Systems and methods for ghost card creation via a browser extension

US10296897B1 · kind B1 · utility

Assignee

• United Services Automobile Association (USAA) · US

Inventors

• Huihui Wu · Grapevine, US
• Alejandra Valles · Plano, US
• Darrius M. Jones · San Antonio, US
• Valmore M. Smith · San Antonio, US
• Lonnie B. Roberts · San Antonio, US

Key dates

• Filing date: Apr 30, 2018
• Grant date: May 21, 2019
• Expiry date: Apr 30, 2038

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/354
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Embodiments of the systems and methods described herein can detect that a user is accessing a payment webpage of a website associated with a merchant. The system can cause a window requesting authentication credentials associated with an account of the user to appear on a display of a computing device associated with the user. After the system has received and verified the authentication credentials, the system can create a merchant-specific virtual card linked to a pre-existing payment instrument associated with the account. The system can enter information associated with the merchant-specific virtual card in a payment section of the payment webpage. After receiving an authorization request for a transaction using the merchant-specific virtual card, the system can authorize the transaction based on a balance of the pre-existing payment instrument.