US 12,190,313 B2
Systems and methods for card replacement
Shruti Dubey, New York, NY (US); Shruti K. Patel, New York, NY (US); June M. Leonardi, Glen Mills, PA (US); and Navneet Kang, Garnet Valley, PA (US)
Assigned to JPMORGAN CHASE BANK, N.A., New York, NY (US)
Filed by JPMORGAN CHASE BANK, N.A., New York, NY (US)
Filed on Sep. 19, 2019, as Appl. No. 16/576,519.
Prior Publication US 2021/0090071 A1, Mar. 25, 2021
Int. Cl. G06Q 20/36 (2012.01)
CPC G06Q 20/3672 (2013.01) 6 Claims
OG exemplary drawing
 
1. A method for card replacement, comprising:
providing, by a card issuer, a card issuer application, wherein the card issuer application is configured to execute on a mobile electronic device, and wherein the card issuer application is further configured to display a list of cards and receive a selection from a cardholder of a lost or not received card from the list of cards;
receiving, by a card issuer backend computer processor, a request to replace the lost or not received card, wherein the request to replace the lost or not received card is received from the card issuer application as a result of the cardholder selecting the lost or not received card;
determining, by the card issuer backend computer processor, that the lost or not received card is eligible for provisioning to an electronic wallet;
in response to determining that the lost or not received card is eligible for provisioning to the electronic wallet, determining, by the card issuer backend computer processor, that the lost or not received card has not been provisioned to the electronic wallet associated with the cardholder;
retrieving, by the card issuer backend computer processor, card information from a customer record, the card information comprising a card number and an expiration date wherein the customer record is associated with a customer profile stored at the card issuer backend computer processor;
programmatically mimicking, by the card issuer backend computer processor, entry of the card information retrieved from the customer record by the cardholder, wherein the entry mimics entry of the card information as if the card information were entered by the cardholder;
generating, by the card issuer backend computer processor and in response to the mimicking of the entry of the card information into the electronic wallet, a token for the lost or not received card;
provisioning, by the card issuer backend computer processor, the token for the lost or not received card to the electronic wallet;
generating, by the card issuer backend computer processor, a replacement card number for the lost or not received card;
requesting, by the card issuer backend computer processor, that a token service provider assign the token for the lost or not received card to the replacement card number; and
updating, by the card issuer backend computer processor, the customer profile with the replacement card number;
wherein the token service provider changes an association of a token from being associated with the lost or not received card to being associated with the replacement card number, and provides the electronic wallet with replacement card information via an electronic wallet provider.