US 12,450,614 B2
Virtual card number as a login credential
Jeffrey Carlyle Wieker, Falls Church, VA (US); Kevan Emmott, Arlington, VA (US); and Clayton Johnson, Edgewood, MD (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Jun. 15, 2022, as Appl. No. 17/840,752.
Prior Publication US 2023/0410120 A1, Dec. 21, 2023
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/34 (2012.01)
CPC G06Q 20/4097 (2013.01) [G06Q 20/351 (2013.01); G06Q 20/4016 (2013.01); G06Q 20/407 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A user authentication system, comprising:
a processor coupled to a memory that includes instructions that, when executed by the processor, cause the processor to:
request a virtual card number as a login credential for a user to gain access to a third-party website, the virtual card number associated with an issued primary credit card from a financial institution;
receive, from the user, the virtual card number as the login credential for access to the third-party website;
transmit the virtual card number with a zero charge amount through a credit card payment network to the financial institution that issued the primary credit card and the virtual card number for payment authorization; and
authenticate the user to gain access to the third-party website in response to approved payment authorization by the financial institution or return an authentication error in response to a declined payment authorization.