US 11,756,043 B1
Payment card expiration identification and information update
Robert Andrew Massie, San Antonio, TX (US); Brian Francisco Shipley, Plano, TX (US); Priyadarshini Badugu, Frisco, TX (US); Timothy Chalmers, San Antonio, TX (US); Robert Lee Black, San Antonio, TX (US); David Joaquin Harris, San Antonio, TX (US); and Christopher Flores, San Antonio, TX (US)
Assigned to United Services Automobile Association (USAA), San Antonio, TX (US)
Filed by UIPCO, LLC, San Antonio, TX (US)
Filed on Feb. 25, 2021, as Appl. No. 17/184,957.
Claims priority of provisional application 62/982,479, filed on Feb. 27, 2020.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/32 (2012.01); G06Q 20/38 (2012.01)
CPC G06Q 20/409 (2013.01) [G06Q 20/326 (2020.05); G06Q 20/3821 (2013.01); G06Q 20/4018 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system for managing payment cards, comprising:
a first computer, which is a financial institution computer at a financial institution entity, the financial institution computer comprising a processor, configured to:
receive, from a second computer, which is a merchant payment computer at a merchant payment entity that is other than the financial institution entity, a request to authorize a transaction, wherein the request includes one or more unique identifiers of a first payment card associated with a user and used to perform the transaction;
determine, based on the one or more unique identifiers of the first payment card, that the first payment card is expired and that the transaction is denied;
send, to the second computer, a notification message that indicates that the first payment card is expired and that the transaction is denied;
a third computer, which is an update computer at an update entity that is other than each of the financial institution entity and the merchant payment entity, the update computer comprising a processor and an update database for storing update payment card information, and wherein the third computer is configured to:
receive, from the second computer, an update request that includes the one or more unique identifiers of the first payment card and a unique token associated with the second computer, wherein the second computer sends the update request after the notification message is received by the second computer;
determine that the second computer is authenticated or authorized based on the unique token;
determine, based on the information stored in the update database, whether the update database includes information of an updated second payment card associated with the first payment card;
send, to a mobile device, an alert message of the denied transaction associated with the user;
in response to sending the alert message of the denied transaction,
receive, from the mobile device one or more updated unique identifiers of a second payment card;
send, to the second computer, the one or more updated unique identifiers of the second payment card associated with the user after determining that the second computer is authenticated or authorized;
the first computer being further configured to:
receive, from the second computer, a re-authorization request to re-authorize the transaction, wherein the re-authorization request includes the one or more updated unique identifiers associated with the second payment card sent from the third computer; and
determine, based on the received one or more updated unique identifiers, that the transaction is authorized.