US 12,254,461 B2
Dynamic virtual transaction card management system
Mohak Chadha, San Francisco, CA (US); and Allison Fenichel, Brooklyn, NY (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Nov. 30, 2022, as Appl. No. 18/071,727.
Prior Publication US 2024/0177138 A1, May 30, 2024
Int. Cl. G06Q 20/34 (2012.01); G06Q 20/20 (2012.01); G06Q 20/32 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/351 (2013.01) [G06Q 20/20 (2013.01); G06Q 20/3224 (2013.01); G06Q 20/4015 (2020.05)] 20 Claims
OG exemplary drawing
 
1. A mobile device configured to manage virtual financial cards that are each uniquely generated for a different merchant, the mobile device comprising:
one or more processors;
a global positioning system (GPS) module; and
memory storing instructions that, when executed by one or more processors, cause the mobile device to:
determine, using the GPS module, a geographic location of the mobile device;
capture environment data by one or more of:
capturing, using a camera of the mobile device, one or more images of an environment around the mobile device; or
capturing, using a microphone of the mobile device, audio of the environment around the mobile device;
identify a first merchant by:
determining one or more merchants proximately located to the geographic location of the mobile device;
processing the environment data using a trained machine learning model to identify at least one merchant; and
selecting, based on the processed environment data and from the one or more merchants, the first merchant;
send, to a remote server, a request for a virtual transaction card, wherein the request for the virtual transaction card comprises an indication of the first merchant and first authentication credentials corresponding to a user associated with the mobile device;
receive, from the remote server and in response to the request, virtual transaction card data that comprises a virtual transaction card number corresponding to the first merchant;
cause a digital wallet device different from the mobile device to store the virtual transaction card data in memory;
receive a virtual transaction card unlock command comprising second authentication credentials; and
based on validating the second authentication credentials, cause the digital wallet device to provide the virtual transaction card data via one or more of a magnetic stripe, an EMV chip, or NFC circuitry, wherein the virtual transaction card data is usable with one or more point-of-sale systems associated with the first merchant to conduct one or more transactions with the first merchant.