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1. WO2022094351 - COMPUTER-BASED SYSTEMS INVOLVING TEMPORARY CARDS AND ASSOCIATED SERVER AND/OR MOBILE DEVICE FEATURES AND METHODS OF USE THEREOF

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Publication Number WO/2022/094351
Publication Date 05.05.2022
International Application No. PCT/US2021/057462
International Filing Date 29.10.2021
IPC
G06Q 20/38 2012.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
G06Q 20/34 2012.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
34using cards, e.g. integrated circuit cards or magnetic cards
G06Q 20/36 2012.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
36using electronic wallets or electronic money safes
G06Q 20/40 2012.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
CPC
G06F 3/04847
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
3Input arrangements for transferring data to be processed into a form capable of being handled by the computer; Output arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
01Input arrangements or combined input and output arrangements for interaction between user and computer
048Interaction techniques based on graphical user interfaces [GUI]
0484for the control of specific functions or operations, e.g. selecting or manipulating an object or an image, setting a parameter value or selecting a range
04847Interaction techniques to control parameter settings, e.g. interaction with sliders, dials
G06K 19/07733
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
KRECOGNITION OF DATA; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
19Record carriers for use with machines and with at least a part designed to carry digital markings
06characterised by the kind of the digital marking, e.g. shape, nature, code
067Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards ; also with resonating or responding marks without active components
07with integrated circuit chips
077Constructional details, e.g. mounting of circuits in the carrier
0772Physical layout of the record carrier
07733the record carrier containing at least one further contact interface not conform ISO-7816
G06Q 20/351
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices ; or networks
34using cards, e.g. integrated circuit [IC] cards or magnetic cards
351Virtual cards
G06Q 20/354
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices ; or networks
34using cards, e.g. integrated circuit [IC] cards or magnetic cards
354Card activation or deactivation
G06Q 20/405
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
405Establishing or using transaction specific rules
Applicants
  • CAPITAL ONE SERVICES, LLC [US]/[US]
Inventors
  • SNEIDER, Amanda
  • SUN, Kaichao
  • PRAT, Bernard
Agents
  • SCHWAAB, Andrew
Priority Data
17/086,25030.10.2020US
Publication Language English (en)
Filing Language English (EN)
Designated States
Title
(EN) COMPUTER-BASED SYSTEMS INVOLVING TEMPORARY CARDS AND ASSOCIATED SERVER AND/OR MOBILE DEVICE FEATURES AND METHODS OF USE THEREOF
(FR) SYSTÈMES INFORMATIQUES IMPLIQUANT DES CARTES TEMPORAIRES ET DES CARACTÉRISTIQUES DE SERVEUR ET/OU DE DISPOSITIF MOBILE ASSOCIÉS ET LEURS PROCÉDÉS D'UTILISATION
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Abstract
(EN) Systems and methods involving a temporary card as well as features and functionality of an associated server and/or application resident on a computing device are disclosed. In one embodiment, an exemplary system may comprise a temporary card provided to a user to conduct purchase transactions for a period of temporary use as well as a server and/or computing component configured to manage operation of the temporary card and execute instructions causing the server to perform one or more actions such as communicate with an app resident on a computing device associated with the user, instruct the app to generate one or more graphical user interfaces (GUIs) configured to display, for example, first interactive GUI elements with first user-selection(s) and/or second interactive GUI elements with second user-selection(s), and/or control the temporary card based on the first and second user-selections.
(FR) Des systèmes et des procédés impliquant une carte temporaire ainsi que des caractéristiques et la fonctionnalité d'un serveur et/ou d'une application associés résidant sur un dispositif informatique sont divulgués. Dans un mode de réalisation, un système donné à titre d'exemple peut comprendre une carte temporaire fournie à un utilisateur pour effectuer des transactions d'achat pendant une période d'utilisation temporaire ainsi qu'un serveur et/ou un composant informatique configuré pour gérer le fonctionnement de la carte temporaire et pour exécuter des instructions amenant le serveur à effectuer une ou plusieurs actions telles qu'une communication avec une application résidant sur un dispositif informatique associé à l'utilisateur, à donner instruction à l'application de générer une ou plusieurs interfaces utilisateur graphiques (GUI) configurées pour afficher, par exemple, des premiers éléments GUI interactifs à l'aide d'une ou de plusieurs premières sélections utilisateur et/ou des seconds éléments GUI interactifs à l'aide d'une ou de plusieurs secondes sélections utilisateur, et/ou à commander la carte temporaire sur la base des première et seconde sélections utilisateur.
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