Systems and methods for ephemeral vcn provisioning
AssigneeCapital One Services, LLC
InventorsJeffrey RULE, Bob Uni KOSHY, Cory CHASE, Derek SHI
Life of this patent
Estimating the term…
Abstract
Example embodiments disclose systems and methods for provisioning a virtual card number (VCN) directly to the merchant processor responsible for a consumer transaction. The VCN can be restricted according to one or more restrictions and in some embodiments, a predictive model can generate the one or more restrictions.
Claims20
A system for generating a virtual card number (VCN), the system comprising:
- a server comprising a banking application, wherein the banking application is configured to:
- receive, from a user device application, one or more user identification data;
- match the one or more user identification data to a user profile;
- transmit, to the user device application, an authentication request;
- receive, from the user device application an authentication credential;
- retrieve, one or more primary account numbers (PANs) associated with the user profile;
- transmit, to the user device application, a prompt to choose one or more of the PANs with which to complete a transaction;
- receive, from the user device application, a choice of one or more PANs;
- generate a virtual card number (VCN) associated with the chosen one or more PANs;
- and
- transmit the VCN to a merchant processor.
A method for generating a virtual card number (VCN), the method comprising the steps of:
- receiving, by a banking application associated with a server, one or more user identification data;
- matching, by the banking application, the one or more user identification data to a user profile;
- transmitting, by the banking application to a user device application, an authentication request;
- receiving, by the banking application from the user device application, an authentication credential;
- retrieving, one or more primary account numbers (PANs) associated with the user profile;
- transmitting, to the user device application, a prompt to choose one or more of the PANs with which to complete a transaction;
- receiving, from the user device application, a choice of one or more PANs;
- generating, by the banking application, a virtual card number (VCN) associated with the chosen one or more PANs;
- and
- transmitting, by the banking application, the VCN to a merchant processor.
A computer readable non-transitory medium comprising computer executable instructions that, when executed by a computer hardware arrangement comprising a processor, causes the computer hardware arrangement to perform procedures comprising:
- receiving one or more user identification data;
- matching the one or more user identification data to a user profile;
- transmitting to a user device application, an authentication request;
- receiving, from the user device application, an authentication credential;
- retrieving, one or more primary account numbers (PANs) associated with the user profile;
- transmitting, to the user device application, a prompt to choose one or more of the PANs with which to complete a transaction;
- receiving, from the user device application, a choice of one or more PANs;
- generating, a virtual card number (VCN) associated with the chosen one or more PANs;
- and
- transmitting the VCN to a merchant processor.
Dependencies are inferred from the claim text.