US 12,033,148 B2
Systems and methods for providing real-time warnings to merchants for data breaches
Philip Spiegel, Midlothian, VA (US); Noble Ozoka, Glen Allen, VA (US); Varun Gupta, Brooklyn, NY (US); Michael Snyder, Redwood City, CA (US); Matthew Reedy, Midlothian, VA (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 Mar. 23, 2023, as Appl. No. 18/189,159.
Application 18/189,159 is a continuation of application No. 16/669,658, filed on Oct. 31, 2019, granted, now 11,640,606.
Prior Publication US 2023/0230082 A1, Jul. 20, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/00 (2023.01); G06Q 20/04 (2012.01); G06Q 20/10 (2012.01); G06Q 20/12 (2012.01); G06Q 20/20 (2012.01); G06Q 20/40 (2012.01); G06Q 30/06 (2023.01)
CPC G06Q 20/40 (2013.01) [G06Q 20/047 (2020.05); G06Q 20/10 (2013.01); G06Q 20/12 (2013.01); G06Q 20/20 (2013.01); G06Q 30/06 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system for providing real-time warnings of data breaches, comprising:
one or more processors; and
a non-transitory, computer-readable medium storing instructions that, when executed by the one or more processors, cause operations comprising:
in response to detecting a user interaction of a user with a first website associated with a merchant, generating a token associated with the user such that the token is bound to the merchant associated with the first website;
subsequent to generating the token, receiving an authorization request associated with a transacting merchant, wherein the authorization request comprises the token;
determining a mismatch between the transacting merchant and the bound merchant associated with the first website; and
in response to determining the mismatch, generating a dedicated communication link, and using the dedicated communication link to provide a website identifier associated with a second website to the bound merchant, wherein the dedicated communication link establishes communication with the bound merchant via a communication interface of a computing device associated with the bound merchant, and wherein the second website enables the bound merchant to monitor activity and execute a remedial action to address an event relating to the user interaction.