US 12,437,302 B2
Browser provisioned virtual payment card for an authorized user
Lukiih Cuan, Washington, DC (US); Michael Wolf, Ellicott City, MD (US); Abhay Donthi, Arlington, VA (US); and Phoebe Atkins, Midlothian, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Mar. 18, 2024, as Appl. No. 18/608,227.
Application 18/608,227 is a continuation of application No. 17/863,872, filed on Jul. 13, 2022, granted, now 11,941,636.
Prior Publication US 2024/0220993 A1, Jul. 4, 2024
Int. Cl. G06Q 40/03 (2023.01); G06Q 20/34 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/4016 (2013.01) [G06Q 20/351 (2013.01); G06Q 40/03 (2023.01)] 20 Claims
OG exemplary drawing
 
1. A virtual card provisioning system, comprising:
at least one processor coupled to a memory that includes instructions that, when executed by the at least one processor, cause the at least one processor to:
receive profile information of an individual in response to a request from a primary cardholder to add the individual as an authorized user to an account of the primary cardholder;
compute a risk score associated with adding the individual as an authorized user based on the information, the risk score based on information associated with a browser profile, the browser profile including at least one of a browser version, an internet protocol address, devices used, or browser history;
generate a virtual card linked to an account of the primary cardholder based on the computed risk score; and
add the virtual card as a payment method to the profile information of the individual.