Connected payment card systems and methods

US10970707B1 · kind B1 · utility

Assignee

• Wells Fargo Bank, N.A. · US

Inventors

• Michelle B. Techel · Redwood City, US
• Peter Ho · Chicago, US
• Timothy R. Edge · San Francisco, US
• Dorothy M. Scocci · San Ramon, US
• Brenda L. Yost · San Francisco, US
• Kathy Barris Dideum · San Antonio, US
• Cheryl Lynn Wong · Alameda, US
• Khyati Soparkar · San Francisco, US
• Steven E. Puffer · Champlin, US
• Stephanie S. Hellman · Fairfax, US
• Brian M. Pearce · Pleasanton, US
• James D. Crowell · West Des Moines, US

Key dates

• Filing date: Nov 23, 2016
• Grant date: Apr 6, 2021
• Expiry date: May 21, 2038

Classification

• Technology area (CPC G): Physics
• CPC primary: G07F17/3248
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Methods and systems of managing payment cards are disclosed. A financial institution computing system includes a token database storing a plurality of tokens and token information, a network interface circuit enabling the financial institution computing system to exchange information over a network; and a token management circuit. The token management circuit enables a graphical user interface on a customer device over the network that can be used to generate new token requests, re-provision token requests, and management requests. The management requests enable and disable tokens, such that transactions against a payment card account using an enabled token are completed, and transactions against the payment card account using a disabled token are denied.