SYSTEMS AND METHODS FOR AUTHENTICATION OF A VIRTUAL STORED VALUE CARD

• US 20100063906A1
• Filed: 09/04/2009
• Published: 03/11/2010
• Est. Priority Date: 09/05/2008
• Status: Abandoned Application

• Current Assignee: e2Interactive Incorporated
• Original Assignee: Giftango Corp. (Millennium Prime, Inc.)
• Inventors: Arifin, Leslie, Nelsen, David A.
• Application Number:
  US12/554,792
• Publication Number:
  US 20100063906A1
• Time in Patent Office: Days
• US Class Current: 705/30
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/351 Virtual cards
• CPC Class Codes: G06Q 20/354 Card activation or deactivation
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 40/12 Accounting

Abstract

A virtual card management system including one or more servers having memory executable via a processor is provided. The virtual card management system including a virtual card manager executable on the one or more servers having an integration connector engine configured to communicatively link at least one card service provider and the virtual card manager. The virtual card management system may further include a virtual card management platform configured to communicatively link the virtual card manager with at least one virtual card engine, each virtual card engine including one or more virtual cards, the virtual card management platform including an enablement module configured to selectively enable a virtual card transaction between at least one virtual card and a corresponding card service provider based on a set of predetermined authentication rules.

Claims

1. A virtual card management system including one or more servers having memory executable via a processor, comprising:

a virtual card manager executable on the one or more servers including;

an integration connector engine configured to communicatively link at least one card service provider and the virtual card manager; and

a virtual card management platform configured to communicatively link the virtual card manager with at least one virtual card engine, each virtual card engine including one or more virtual cards, the virtual card management platform including;

an enablement module configured to selectively enable a virtual card transaction between at least one virtual card and a corresponding card service provider based on a set of predetermined authentication rules.

2. The virtual card management system of claim 1, wherein the enablement module is further configured to selectively enable at least a second virtual card based on a second set of predetermined authentication rules, the first and second sets of predetermined authentication having different characteristics.

3. The virtual card management system of claim 1, wherein the enablement module is configured to select an enabled or disabled state of a virtual card, an enabled state including a state in which a virtual card transaction between a virtual card and a corresponding card service provider is permitted and a disabled state including a state in which a virtual card transaction between a virtual card and a corresponding card service provider is inhibited.

4. The virtual card management system of claim 3, wherein a virtual card transaction includes at least one of correlation of a virtual card with a corresponding provider-side associative card profile included in a corresponding card service provider and adjustment of one or more characteristics of the virtual card and the provider-side associative card profile in response to implementation of the virtual card transaction.

5. The virtual card management system of claim 3, wherein the virtual card management platform further includes an associative profile module configured to manage a plurality of manager-side associative card profiles corresponding to a plurality of virtual cards implemented via one or more virtual card engines and wherein periodic authentication is implemented while the virtual card is in the enabled state, periodic authentication includes verification of correspondence between identification data of the virtual card and profile identification data in a manager-side associative card profile.

6. The virtual card management system of claim 3, wherein the authentication rules include a configuration rule in which an enabled state is triggered based on a configuration of the virtual card engine, the configuration of the virtual card engine includes a configuration in which the virtual card has been accessed and is open for use.

7. The virtual card management system of claim 3, wherein the authentication rules include a cessation rule in which the virtual card is set in a disabled state in response to cessation of a virtual card transaction.

8. The virtual card management system of claim 3, wherein the card service provider is configured to trigger adjustment of the selectively enabled state of the virtual card within the virtual card manager.

9. The virtual card management system of claim 3, wherein one or more of virtual card engines are configured to trigger adjustment of the selectively enabled state of at least one virtual card within the virtual card manager.

10. The virtual card management system of claim 1, wherein the authentication rules include a card fulfillment rule in which selective enablement is adjusted based on a system utilized to perform an initial configuration of the virtual card, the systems including an Internet-based configuration system, a goods and services system, and a mobile configuration application executed on a mobile computing device.

11. The virtual card management system of claim 1, wherein the authentication rules include a card type rule in which selective enablement is adjusted based on a type of card in use, where types of cards including one or more of a gift card, a membership card, and a rewards card.

12. A method for managing a virtual card, the method comprising:

communicatively linking at least one card service provider and a virtual card manager, each card service provider including at least one provider-side associative card profile;

communicatively linking at least one virtual card engine and the virtual card manager, the virtual card engine including at least one virtual card and the virtual card manager including at least one manager-side associative card profile corresponding to the at least one virtual card; and

periodically authenticating the at least one virtual card by selectively enabling a virtual card transaction between the at least one virtual card and a corresponding card service provider based on a set of predetermined authentication rules.

13. The method of claim 12, further comprising selectively enabling a second virtual card transaction between a second virtual card and a corresponding card service provider based on a second set of predetermined authentication rules, the first and second set of predetermined authentication having different characteristics.

14. The method of claim 12, wherein selectively enabling a virtual card transaction includes setting the at least one virtual card in an enabled state or a disabled state, the disabled state including a state in which a virtual card transaction between the virtual card and the card service provider is inhibited, and the enabled state including a state in which a virtual card transaction is permitted.

15. The method of claim 14, wherein a virtual card transaction includes a value transaction in which a virtual card value within the provider-side associative card profile and the at least one virtual card is adjusted or a privilege transaction in which privileges data within the provider-side associative card profile is accessed and adjusted.

16. The method of claim 14, wherein setting the at least one virtual card in an enabled state triggers periodic authentication of the at least one virtual card, periodic authentication including correlating one or more unique card identifiers included in at least one of the virtual card and a provider-side associative card profile with unique card identifiers included in the manager-side associative card profile.

17. The method of claim 14, further comprising, if the at least one virtual card is in the enabled state and a transaction request has been received by the virtual card manager, permitting the transaction request.

18. The method of claim 12, wherein selectively enabling includes modifying one or more characteristics of the manager-side associative card profile to enable or disable a transaction between at least one virtual card service provider and at least one virtual card, the characteristics including at least one of a virtual card state indicator and a unique card identifier associated with a virtual card.

19. The method of claim 12, further comprising adjusting the authentication rules in response to at least one authentication failure between the virtual card engine and the virtual card manager.

20. The method of claim 12, wherein at least a portion of the virtual card engines are executed on a mobile or stationary computing device and where the at least one virtual card includes at least one of a gift card, a membership card, and a rewards card.

21. A virtual card management system including one or more servers having memory executable via a processor, comprising:

a virtual card manager executable on the one or more servers including;

an integration connector engine configured to communicatively link one or more card service providers and the virtual card manager; and

a virtual card management platform configured to communicatively link the virtual card manager with one or more virtual card engines, each virtual card engine including one or more virtual cards, the virtual card management platform including;

an enablement module configured to periodically enable or disable a virtual card based on a set of predetermined authentication rules such that the virtual card is periodically toggled between an enabled state and a disabled state.

22. The virtual card management system of claim 21, wherein the virtual card management platform further includes an associative profile module configured to manage a manager-side associative card profile corresponding to a virtual card implemented via a virtual card engine and wherein periodic authentication is implemented while the virtual card is in the enabled state, periodic authentication includes verification of correspondence between identification data of the virtual card included in the virtual card and profile identification data included in the corresponding manager-side associative card profile.

23. The virtual card management system of claim 21, wherein the enablement module is further configured to selectively enable at least a second virtual card based on a second set of predetermined authentication rules, the first and second sets of predetermined authentication having different characteristics.