Systems and methods for card information management
AssigneeCapital One Services, LLC
InventorJeffrey RULE
Life of this patent
Estimating the term…
Abstract
Example embodiments of systems and methods for replacing card information. In an embodiment, a system comprises an authentication server in data communication with a network and a database in data communication with the authentication server. The authentication server is configured to receive an authentication signal from a user device via the network, retrieve a list of merchants having transaction history with an account associated with the account card, and transmit an access token to at least one merchant server selected using the list of merchants.
Claims20
A system for replacing stored card information comprising:
- an authentication server in data communication with a network;
- and
- a database in data communication with the authentication server;
- wherein the authentication server is configured to:
- receive an authentication signal from a user device via the network, the authentication signal being based on detection of an account card and at least one authentication factor;
- retrieve a list of merchants having transaction history with an account associated with the account card;
- and
- transmit an access token to at least one merchant server selected using the list of merchants;
- wherein the access token allows the at least one merchant server to open an encrypted communication channel with the user device suitable for transmitting account card information indicative of the account card from the user device to the merchant server.
A method of replacing stored card information comprising the steps of:
- detecting, by a user device, an account card when the account card enters a communication field of the user device;
- transmitting an authentication signal via the network to an authentication server, the authentication signal being based on detection of the account card and at least one authentication factor;
- in response to receiving the authentication signal, retrieving, by the authentication server, a list of merchants having transaction history with an account associated with the account card;
- transmitting, by the authentication server, an access token to at least one merchant server selected based on the list of merchants;
- initiating, by the merchant server, an encrypted communication channel with the user device using the access token;
- transmitting, by the user device via the encrypted communication channel, account card information indicative of the account card to the merchant server;
- and
- storing, by the merchant server, the account card information in a merchant server memory.
A system for replacing stored card information comprising:
- a user device having a processor and a memory;
- wherein the user device is configured to:
- detect an account card when the account card enters a communication field of the user device;
- transmit an authentication signal via the network to an authentication server, the authentication signal being based on detection of the account card and at least one authentication factor;
- connect to a merchant server through an encrypted communication channel, wherein the merchant server is identified by the authentication server and the encrypted communication channel is established based on an access token transmitted by the authentication server to the merchant server;
- and
- transmit account card information indicative of the account card to the merchant server via the encrypted communication channel.
Dependencies are inferred from the claim text.