Patent application number | Description | Published |
20150254635 | LIMITING THE USE OF A TOKEN BASED ON A USER LOCATION - Systems, methods, and computer program products for limiting the use of a token based on a user location are provided. Embodiments of the invention involve a memory device; and a processing device operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to: receive a payment authorization request associated with a transaction from a merchant, wherein the payment authorization request comprises a transaction information, wherein the transaction is conducted using a token between a user and a merchant; determine a response associated with the payment authorization request based on one or more limits, wherein the one or more limits are based on at least a user location; and transmit the response associated with the payment authorization request to the merchant. | 09-10-2015 |
20150254638 | ONLINE BANKING DIGITAL WALLET MANAGEMENT - Embodiments are directed to digital wallet management. Embodiments initiate presentation of a digital wallet management interface, comprising initiating presentation of at least one digital wallet; and initiating presentation of at least one representation of at least one payment credential and at least one indication of which of the at least one digital wallets are associated with each of the at least one payment credentials. | 09-10-2015 |
20150254641 | MOBILE DEVICE CREDENTIAL EXPOSURE REDUCTION - Embodiments are directed to reducing digital wallet exposure. Embodiments determine that a potential exposure associated with the apparatus has been detected; determine that the apparatus has at least one associated payment credential; and, in response to determining the potential exposure has been detected and determining that the apparatus has at least one associated payment credential, deactivating the at least one payment credential. | 09-10-2015 |
20150254642 | DIGITAL WALLET EXPOSURE REDUCTION - Embodiments are directed to reducing digital wallet exposure. Embodiments determine that a potential exposure associated with a first payment credential associated with a digital wallet has been detected; determine that the digital wallet has at least one additional associated payment credential; and, in response to determining the potential exposure has been detected and determining that the digital wallet has at least one additional associated payment credential, initiate at least one exposure reduction measure intended to reduce potential exposure to the at least one additional associated payment credential. | 09-10-2015 |
20150254643 | CUSTOMER TOKEN PREFERENCES INTERFACE - Embodiments are directed to token management. Embodiments initiate presentation of a digital wallet management interface including initiating presentation of a digital wallet; initiating presentation of an original token associated with the digital wallet; initiating presentation of a toggle switch comprising a first position and a second position and associated with the original token and configured for graphical manipulation by the user between the first position and the second position, wherein the first position corresponds to the original token being available for use as a payment credential; and where the second position corresponds to the original token being unavailable for use as a payment credential. | 09-10-2015 |
20150254644 | CREDENTIAL PAYMENT OBLIGATION VISIBILITY - Embodiments are directed to payment credential management. Embodiments determine one or more payment obligations associated with a payment credential; initiate presentation of a payment credential management interface, including initiating presentation of a representation of the payment credential; and initiating presentation of the one or more payment obligations associated with the payment credential. | 09-10-2015 |
20150254645 | PROVIDING SUPPLEMENTAL ACCOUNT INFORMATION IN DIGITAL WALLETS - Embodiments of the invention are directed to systems, methods and computer program products for providing supplemental account information in digital wallets. An exemplary apparatus is configured to: receive a request to receive supplemental account information related to an account payment credential associated with a digital wallet; authenticate the user's identity based at least partially on one or more authentication credentials by verifying the user is an account holder associated with the account; in response to authenticating the user's identity, receive access to an application programming interface configured to push supplemental account information to digital wallets associated with the payment credential; receive, via the application programming interface from the at least one database, supplemental information related to the payment credential; and present, on a display of the mobile device, the supplemental information related to the payment credential. | 09-10-2015 |
20150254647 | FLEXIBLE FUNDING ACCOUNT TOKEN ASSOCIATIONS - Embodiments for flexible funding of tokens include systems and methods for generating tokens and associating the tokens with an account. The systems allow the user to select the token for a transaction. The systems further receive transaction data associated with the transaction and compare the transaction data with token parameters. | 09-10-2015 |
20150254650 | CONTROLLING TOKEN ISSUANCE BASED ON EXPOSURE - Embodiments described herein relate to an invention for providing a new token to a consumer for use in a pending transaction based on a determined level of exposure is provided. The systems, methods, and computer program products are configured to: (a) receive information associated with a purchase transaction involving a payment vehicle; (b) determine a potential exposure to loss based at least partially on the information associated with the purchase transaction; (c) in response to determining the potential exposure to loss, generate a token mitigating the potential exposure to loss prior to completing the purchase transaction; and (d) complete the purchase transaction based on the generated token. | 09-10-2015 |
20150254652 | FOREIGN EXCHANGE TOKEN - Embodiments disclosed herein relate to systems, methods, and computer program products for a system for providing a virtual value token. The system, method, and computer program product are configured to receive a request for a token associated with a virtual value; generate the token associated with the virtual value, wherein the virtual value is funded via a known currency; determine that a user is initiating a transaction using the token; determine a local currency for the transaction; convert, using a computing device processor, at least a portion of the virtual value into a converted amount in the local currency; and complete the transaction using the converted amount of the token. The virtual value may be based on a defined value, such as a known amount on a specific day, or a relative value, such as the current value of an underlying asset. | 09-10-2015 |
20150254653 | FORMATION AND FUNDING OF A SHARED TOKEN - Embodiments of the present invention disclose utilizing a token associated with a payment device. Particularly, embodiments of the present invention may create a single token for use by a plurality of users on one or more of the payment devices of each user. The token may be made available for use by various users that can be added and removed as the group of users associated with the token changes. The token may be associated with various types of accounts, such as but not limited to a business account from a business client, a retail account from a retail client, or other like clients. In some embodiments the token may be associated with a specific account that already has funds in the account, or the token may be associated with a specific account that is unfunded or a new account that the users associated with the token may fund. | 09-10-2015 |
20150254655 | ATM TOKEN CASH WITHDRAWAL - Embodiments of the invention are directed to systems, methods and computer program products for managing financial tokens associated with a financial account, whereby the systems, methods, and computer program products are directed towards generating and authenticating tokens associated with the financial account in order to grant access to a user to conduct financial transactions on the financial account using an Automated Teller Machine (ATM). The system, methods, and computer program products are configured to generate a server token, wherein the server token is associated with at least one financial account; communicate, to a first mobile device, a server packet, wherein the server packet comprises at least the server token; receive, from an ATM, a security packet communicated from a second mobile device to the ATM, wherein the security packet comprises at least a device token; authenticate the device token, the authentication comprising comparing the device token with the server token, thereby resulting in a successful authentication of the device token; and communicate the successful authentication to the ATM. | 09-10-2015 |
20150254656 | ACCOUNT TOKEN ASSOCIATIONS BASED ON SPENDING THRESHOLDS - Embodiments for providing token-account associations based on spending thresholds include systems and methods for generating tokens and associating the tokens with an account. The systems set parameters for the token, where the token parameters include at least a transaction amount maximum. The systems further receive transaction data associated with the transaction and compare the transaction data with the token parameters. | 09-10-2015 |
20150254657 | LIMITING TOKEN COLLABORATION NETWORK USAGE BY USER - The present invention includes an apparatus, method, and computer program product for use in a token based financial transaction system, whereby the apparatus applies transaction sensitive limits to a proposed financial transaction for purposes of approving, denying, or partially funding a token based financial transaction. The present invention is configured to: determine one or more limits associated with the token, wherein the one or more limits define which financial transactions will be authorized; process a request to execute a transaction, wherein processing the request includes determining if the one or more limits associated with the user are met based on transaction information; allow the transaction in response to determining when the one or more limits are met; and deny the transaction in response to determining when the one or more limits fail to be met. | 09-10-2015 |
20150254658 | LIMITING TOKEN COLLABORATION NETWORK USAGE BY TOKEN - The present invention includes an apparatus, method, and computer program product for use in a token based financial transaction system, whereby the apparatus applies transaction sensitive limits to a proposed financial transaction for purposes of approving, denying, or partially funding a token based financial transaction. The present invention is configured to: determine one or more limits associated with the token, wherein the one or more limits define which financial transactions will be authorized; process a request to execute a transaction, wherein processing the request includes determining if the one or more limits associated with the user are met based on transaction information; allow the transaction in response to determining when the one or more limits are met; and deny the transaction in response to determining when the one or more limits fail to be met. | 09-10-2015 |
20150254663 | TOKEN USAGE SCALING BASED ON DETERMINED LEVEL OF EXPOSURE - The present invention includes an apparatus and method configured to: receive a request to complete a financial transaction, wherein the request includes a token that is associated with a financial account from which funds are provided to pay for the financial transaction. The system and method determines transaction information associated with the financial transaction and then determines both: a limit associated with the token and/or the financial account associated with the token; and one or more exceptions to the limit. In some embodiments, the system and method determine that the financial transaction triggers the limit and then determines whether the financial transaction qualifies for an exception to the limit based on a comparison of the transaction information to the one or more exceptions. In an embodiment, the financial transaction is authorized when the financial transaction triggers the limit but qualifies for the exception to the limit. | 09-10-2015 |
20150254664 | TOKEN COLLABORATION NETWORK - Embodiments of the present invention disclose utilizing a token associated with a payment device. Particularly, embodiments of the present invention may create a single token for use by a plurality of users on one or more of the payment devices of each user. The token may be made available for use by various users that can be added and removed as the group of users associated with the token changes. The token may be associated with various types of accounts, such as but not limited to a business account from a business client, a retail account from a retail client, or other like clients. In some embodiments the token may be associated with a specific account that already has funds in the account, or the token may be associated with a specific account that is unfunded or a new account that the users associated with the token may fund. | 09-10-2015 |
20150254665 | AUTHORIZING A TEMPORARY TOKEN FOR A USER - Systems, methods, and computer program products for authorizing a temporary token for a user are provided. Embodiments of the invention involve a memory device; and a processing device operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to: associate a token with a financial institution account that is associated with a user; receive one or more limits from an administrator associated with the financial institution account, wherein the one or more limits comprise at least a time period limit; apply the one or more limits to the token to limit the use of the financial institution account associated with the token to within the confines of the one or more limits; and transmit the token or token information associated with the token to the user for use in one or more transactions. | 09-10-2015 |
20150254698 | PROVIDING OFFERS ASSOCIATED WITH PAYMENT CREDENTIALS AUTHENTICATED IN A SPECIFIC DIGITAL WALLET - Embodiments of the invention are directed to systems, methods and computer program products for providing supplemental account information in digital wallets. An exemplary apparatus is configured to: receive a request to provide a digital wallet on a user's mobile device, authenticate at least one payment credential for use within the digital wallet; receive access to an application programming interface configured to push offers to digital wallets, wherein the application programming interface is associated with at least one database maintained by the digital wallet provider; receive, via the application programming interface one or more offers from the at least one database, wherein the offers include at least one incentive for processing payments using the at least one payment credential associated with the digital wallet; and present, to the user on a display of the mobile device, the one or more offers. | 09-10-2015 |
20150254699 | PROVIDING OFFERS ASSOCIATED WITH PAYMENT CREDENTIALS IN DIGITAL WALLETS - Embodiments of the invention are directed to systems, methods and computer program products for providing supplemental account information in digital wallets. An exemplary apparatus is configured to: receive a request to provide a digital wallet maintained by a digital wallet provider; authenticate at least one payment credential for use within the digital wallet; receive access to an application programming interface configured to push offers to digital wallets, wherein the application programming interface is associated with at least one database maintained by the digital wallet provider; receive, via the application programming interface one or more offers from the at least one database, wherein the offers include incentives for processing payments using the at least one payment credential associated with the digital wallet; and present, to the user on a display of the mobile device, the one or more offers. | 09-10-2015 |
20150254770 | FOREIGN CROSS-ISSUED TOKEN - Embodiments disclosed herein relate to systems, methods, and computer program products for a system for providing a multi-currency token. The system, method, and computer program product are configured to receive a request for a multi-currency token, wherein the multi-currency token is associated with at least two financial institution partners; determine a value of the multi-currency token; establish currency conversion parameters for the multi-currency token based on at least one of the value of the multi-currency token and a conversion rate between currencies associated with the at least two financial institution partners; determine that a transaction is being performed with the multi-currency token, the transaction associated with a local currency; and complete the transaction with the multi-currency token in the local currency when the local currency is a currency associated with at least one of the financial institution partners. | 09-10-2015 |