US 11,687,915 B2
System and method for generation of virtual account-linked card
Joshua Edwards, Philadelphia, PA (US); Michael Mossoba, Arlington, VA (US); and Abdelkader Benkreira, Washington, DC (US)
Assigned to CAPITAL ONE SERVICES, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Oct. 15, 2020, as Appl. No. 17/71,629.
Application 17/071,629 is a continuation of application No. 16/394,141, filed on Apr. 25, 2019, granted, now 10,853,794.
Prior Publication US 2021/0027277 A1, Jan. 28, 2021
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/00 (2023.01); G06Q 20/34 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/351 (2013.01) [G06Q 20/3567 (2013.01); G06Q 20/3572 (2013.01); G06Q 20/4097 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system, comprising:
a server, comprising:
a processor in data communication with a database storing account data, and
a memory; and
a card reader configured to:
determine that a card associated with an account is forgotten, wherein determining that the card is forgotten comprises:
receiving, by the card reader, a signal that the card is in a slot of the card reader, and
identifying, by the card reader, the absence of activity for a predetermined time period,
generate a notification identifying the card forgotten, and
transmit the notification to the server,
wherein, upon receipt of the notification, the server is configured to:
disable the card,
generate a virtual card associated with the account,
generate partner identifying information,
identify a set of authorized transaction partners by applying a machine learning algorithm to the partner identifying information,
identify a set of selected transaction partners comprising at least one transaction partner selected by a user associated with the account, and
limit the use of the virtual card to transactions involving an authorized transaction partner or a selected transaction partner.