| CPC G06Q 20/3263 (2020.05) [G06Q 20/326 (2020.05); G06Q 20/34 (2013.01); G06Q 20/24 (2013.01); G06Q 20/4018 (2013.01)] | 16 Claims |
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1. A method comprising:
programming, by a campaign director (CD) system at a financial institution, a token generation engine of a campaign manager (CM) unit executed on one or more processors of a mobile device to generate tokens for payment transactions based on a financial behavior history associated with a credit card account at the financial institution;
establishing, by the CM unit of the mobile device, communication with the CD system at the financial institution;
receiving, by the CM unit of the mobile device from a credit card, a static identifier for the credit card account of the credit card and preemptive information for a payment transaction with a merchant;
issuing, by the CM unit of the mobile device, a random identifier for the payment transaction;
generating, by the CM unit of the mobile device, a token for the payment transaction according to the token generation engine that is based on the financial behavior history associated with the credit card account, the token including a combination of the static identifier for the credit card account, the random identifier issued for the payment transaction, and the preemptive information received for the payment transaction;
sending, by the CM unit of the mobile device to the CD system at the financial institution, the token generated for the payment transaction;
receiving, by the CD system at the financial institution, the token generated for the payment transaction from the CM unit of the mobile device and merchant data that includes actual payment transaction information for the payment transaction from the merchant;
comparing, by the CD system, the preemptive information of the token generated for the payment transaction and the actual payment transaction information included in the merchant data for the payment transaction;
activating, by the CD system, the payment transaction based on a match between the preemptive information of the token and the actual payment transaction information included in the merchant data for the payment transaction;
sending, by the CD system to at least one of the CM unit of the mobile device or the merchant, a message indicating the activation of the payment transaction;
determining, by the CD system, whether to shut down the CM unit based on one of the activation of the payment transaction or occurrence of an error or an exception at the CM unit; and
based on a determination to shut down the CM unit, sending, by the CD system to the CM unit of the mobile device, instructions to shut down the CM unit.
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