US-20260127575-A1 - CONNECTED PAYMENT CARD SYSTEMS AND METHODS

US20260127575A1US 20260127575 A1US20260127575 A1US 20260127575A1US-20260127575-A1

Abstract

Methods and systems of managing payment cards are disclosed. A computing system can receive, via a graphical user interface presented on a computing device, instructions to enable or disable a first token of one or more tokens associated with a corresponding merchant. The computing system can receive, from the computing device, data corresponding to a point of sale device that is proximate to the computing device. Based on the data corresponding to the point of sale device, the computing system can cause display, on the graphical user interface of the computing device, of an image selected according to the data.

Inventors

Michelle B. Techel
Stephanie S. Hellman
Brian M. Pearce
James D. Crowell
Peter Ho
Timothy R. Edge
Dorothy M. Scocci
Brenda L. Yost
Kathy Barris Dideum
Cheryl Lynn Wong
Khyati Soparkar
Steven E. Puffer

Assignees

WELLS FARGO BANK, N.A.

Dates

Publication Date: 20260507
Application Date: 20251230

Claims (20)

1 . A computing system comprising: one or more processors in communication with a computing device presenting a graphical user interface, the one or more processors configured to: receive, via the graphical user interface, instructions to enable or disable a first token of one or more tokens associated with a corresponding merchant; receive, from the computing device, data corresponding to a point of sale device that is proximate to the computing device; and cause display, on the graphical user interface of the computing device, of an image selected based on the data corresponding to the point of sale device.
2 . The computing system of claim 1 , wherein the image is a first image, and wherein the one or more processors are further configured to: cause display of a second image associated with a payment account associated with the graphical user interface.
3 . The computing system of claim 1 , wherein the one or more processors are further configured to: determine, based on the data received from the computing device, one or more characteristics of the point of sale device.
4 . The computing system of claim 1 , wherein the image comprises a notification indicating at least one of an exceeded spending limit, a due date, or a selectable button.
5 . The computing system of claim 1 , wherein the data corresponding to the point of sale device comprises global positioning system (GPS) information of the computing device.
6 . The computing system of claim 1 , wherein the one or more processors are further configured to: update a token database according to the instructions to enable or disable the first token.
7 . The computing system of claim 1 , wherein the data corresponding to the point of sale device indicates access to a local wireless network associated with the point of sale device.
8 . The computing system of claim 1 , wherein the one or more processors are further configured to: receive, via the graphical user interface, second instructions to change customer account information; and modify, on the graphical user interface, the image in response to receiving the second instructions to change the customer account information.
9 . The computing system of claim 1 , wherein the one or more processors are further configured to: select the image further based on customer information associated with a user of the computing device.
10 . A method, comprising: receiving, by one or more processors in communication with a computing device presenting a graphical user interface, via the graphical user interface, instructions to enable or disable a first token of one or more tokens associated with a corresponding merchant; receiving, by the one or more processors, from the computing device, data corresponding to a point of sale device that is proximate to the computing device; and causing, by the one or more processors, display on the graphical user interface of the computing device of an image selected based on the data corresponding to the point of sale device.
11 . The method of claim 10 , wherein the image is a first image, and further comprising causing, by the one or more processors, display of a second image associated with a payment account associated with the graphical user interface.
12 . The method of claim 10 , further comprising determining, by the one or more processors, based on the data received from the computing device, one or more characteristics of the point of sale device.
13 . The method of claim 10 , wherein the image comprises, by the one or more processors, a notification indicating at least one of an exceeded spending limit, a due date, or a selectable button.
14 . The method of claim 10 , wherein the data corresponding to the point of sale device comprises, by the one or more processors, global positioning system (GPS) information of the computing device.
15 . The method of claim 10 , further comprising updating, by the one or more processors, a token database according to the instructions to enable or disable the first token.
16 . The method of claim 10 , wherein the data corresponding to the point of sale device indicates, by the one or more processors, access to a local wireless network associated with the point of sale device.
17 . The method of claim 10 , further comprising: receiving, by the one or more processors, via the graphical user interface, second instructions to change customer account information; and modifying, by the one or more processors, on the graphical user interface, the image in response to receiving the second instructions to change the customer account information.
18 . The method of claim 10 , further comprising selecting, by the one or more processors, the image further based on customer information associated with a user of the computing device.
19 . A non-transitory computer-readable medium storing instructions that, when executed, cause the one or more processors to perform operations comprising: receiving, via a graphical user interface presented on a computing device, instructions to enable or disable a first token of one or more tokens associated with a corresponding merchant; receiving, from the computing device, data corresponding to a point of sale device that is proximate to the computing device; and causing display, on the graphical user interface of the computing device, of an image selected based on the data corresponding to the point of sale device.
20 . The non-transitory computer-readable medium of claim 19 , wherein the image is a first image, and the instructions further cause the one or more processors to perform operations comprising causing display of a second image associated with a payment account associated with the graphical user interface.

Description

CROSS-REFERENCE TO RELATED APPLICATIONS This application is a continuation of U.S. patent application Ser. No. 18/907,423, filed Oct. 4, 2024, which is a continuation of U.S. patent application Ser. No. 18/121,717, filed Mar. 15, 2023, which is a continuation of U.S. patent application Ser. No. 17/217,002, filed Mar. 30, 2021, which is a continuation of U.S. patent application Ser. No. 15/360,343, filed Nov. 23, 2016, now U.S. Pat. No. 10,970,707, which is a continuation U.S. patent application Ser. No. 15/054,633, filed Feb. 26, 2016, now U.S. Pat. No. 11,170,364, which claims the benefit of priority to U.S. Patent Application No. 62/199,783, filed Jul. 31, 2015, all of which are hereby incorporated by reference in their respective entireties. BACKGROUND Payment cards can be provided in many forms beyond a plastic card with a magstripe. Payment cards can be provided with on-board integrated circuits and can be provisioned to mobile devices for mobile wallet transactions. Such arrangements can be used for both in-person and on-line transactions. However, while payment cards reduce the need to carry physical currency, payment card transactions can entail security risks. Further, many existing systems manage security issues on an account-by-account basis. As such, a customer may have to freeze or close an entire payment card account as a result of a security breach at a single merchant. Resorting to an account-wide freeze can be significantly disruptive, particularly where the customer has a limited number of available payment source accounts. SUMMARY One example embodiment relates to a financial institution computing system. The system includes a token database, a network interface circuit, and a token management circuit. The token database retrievably stores a plurality of tokens and token information associated with each of the plurality of tokens. The network interface circuit enables the financial institution computing system to exchange information over a network. The token management circuit is configured to enable a graphical user interface on a customer device over the network. The token management circuit is further configured to cause a new token to be provisioned in response to a new token command generated by the graphical user interface. The token management circuit is configured to cause a token to be re-provisioned in response to a re-provision token command generated by the graphical user interface. The token management circuit is further configured to enable and disable tokens in the token database in response to management commands generated by the graphical user interface. Transactions against a customer payment card account using an enabled token are completed, and transactions against the customer payment card account using a disabled token are denied. Another example embodiment relates to a method of enabling real time payment card account management for customers of a financial institution, including management of physical payment cards, as performed by one or more circuits at a financial institution computing system. The method includes retrievably storing, by a token database, a plurality of tokens and token information associated with each of the plurality of tokens. The method further includes enabling, by a network interface circuit, the financial institution computing system to exchange information over a network. The method includes enabling, by a token management circuit, a graphical user interface on a customer device over the network. The method further includes responding, by the token management circuit, to requests provided by the graphical user interface, including causing a new token to be provisioned in response to a new token request, causing a token to be re-provisioned in response to a re-provision token request, and enabling and disabling tokens in the token database in response to management requests. A transaction against a customer payment card account using an enabled token is completed, and wherein a transaction against the customer payment card account using a disabled token is denied. Yet another arrangement relates to a non-transitory computer readable media having computer-executable instructions embodied therein that, when executed by a processor of a financial institution computing system, cause the financial institution computing system to perform operations to enable real time payment card account management for customers of a financial institution, including management of physical payment cards. The operations include retrievably storing, by a token database, a plurality of tokens and token information associated with each of the plurality of tokens. The operations further include enabling, by a network interface circuit, the financial institution computing system to exchange information over a network. The operations include enabling, by a token management circuit, a graphical user interface on a customer device over the network. The operations furthe