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Payment information technologies

  • US 9,947,007 B2
  • Filed: 01/27/2014
  • Issued: 04/17/2018
  • Est. Priority Date: 01/27/2013
  • Status: Active Grant
First Claim
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1. A method of selectively updating cardholder payment information for card not present transactions, the method comprising:

  • sending, by a credit card issuer server, a set of processor-executable instructions to a merchant server hosting a first operating system and a first application, wherein the first application runs on the first operating system, wherein the set of processor-executable instructions configures the first application to receive a first credit card number after the merchant server executes the set of processor-executable instructions, wherein the credit card issuer server is remote from the merchant server;

    processing, by the credit card issuer server, a plurality of card not present transaction messages comprising a plurality of merchant identifiers, wherein the merchant identifiers are distinct from each other, wherein the card not present transaction messages involve a second credit card number stored in a cardholder account record stored in a database accessible to the credit card issuer server;

    deactivating, by the credit card issuer server, the second credit card number in the cardholder account record such that the second credit card number is transactionally unusable;

    activating, by the credit card issuer server, based at least in part on the deactivating, a third credit card number stored in the cardholder account record such that the third credit card number is transactionally usable, wherein the third credit card number has same format as the first credit card number;

    after the merchant server executes the set of processor-executable instructions;

    accessing, by the credit card issuer server, a plurality of transaction records in the database, wherein the transaction records reference the merchant identifiers;

    identifying, by the credit card issuer server, based at least in part on the accessing, a merchant identifier from the merchant identifiers based at least in part on a frequency of the card not present transaction messages associated with the merchant identifier, wherein the merchant identifier is associated with the merchant server;

    serving, by the credit card issuer server, based at least in part on the identifying, a display of the merchant identifier in a graphical user interface of a second application running on a second operating system of a cardholder client associated with the cardholder account record, wherein the credit card issuer server is remote from the cardholder client, wherein the cardholder client includes a user input device, wherein the first application is distinct from the second application, wherein the first operating system is distinct from the second operating system;

    receiving, by the credit card issuer server, an input from the cardholder client based at least in part on the display, wherein the input is indicative of the merchant identifier, wherein the input is via the user input device while the merchant identifier is displayed in the graphical user interface;

    accessing, by the credit issuer server, based at least in part on the receiving, the third credit card number in the cardholder account record;

    sending, by the credit card issuer server, the third credit card number to the merchant server based at least in part on the accessing the third credit card number;

    processing, by the credit card issuer server, a card not present transaction message involving the third credit card number based at least in part on the sending the third credit card number such that the transaction records can be updated to reference the card not present transaction message, wherein the card not present transaction message is associated with the merchant identifier.

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