Systems and methods to manage and control use of a virtual card

• US 10,068,287 B2
• Filed: 06/10/2011
• Issued: 09/04/2018
• Est. Priority Date: 06/11/2010
• Status: Active Grant

• Current Assignee: e2Interactive Incorporated
• Original Assignee: e2Interactive Incorporated
• Inventors: Nelsen, David A., Fletcher, Michael J.
• Primary Examiner(s): Apple, Kirsten Sachwitz
• Application Number:
  US13/158,349
• Publication Number:
  US 20110307377A1
• Time in Patent Office: 2,643 Days
• Field of Search: 705 35
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/229 Hierarchy of users of accounts
• CPC Class Codes: G06Q 20/348 Single-use cards, i.e. without possibility of recharging
• CPC Class Codes: G06Q 20/351 Virtual cards
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Systems and methods are provided for creating and using versions of a shared virtual card. In one example, a system for sharing stored value is provided. The system may include a virtual card manager configured to manage one or more shared virtual cards and a first computing device including a virtual card engine executable by a processor to manage the shared virtual card. The first computing device may be communicatively coupled to the virtual card manager via a network. In the example, stored value of the shared virtual card may be split between a first version and a second version. The first version may receive a first portion of the stored value and the second version may receive a second portion of the stored value; the first version available for use on the first computing device and the second version available for use on a second computing device.

Claims

1. A method for sharing a virtual card facilitated by a virtual card manager operating on a central processing computer in selective communication with a plurality of card service providers, the method comprising:

receiving an electronic communication at the virtual card manager from a first computing device comprising a request for sharing a virtual card provided by a specific card service provider, the specific card service provider being one of the plurality of card service providers;

creating at the virtual card manager a first version and a second version of the virtual card, wherein;

each of the first version and the second version have a different identification number and each is recognized as independent virtual cards;

the first version is associated with a first set of privileges, and the second version is associated with a second set of privileges; and

the first version and the second version are saved in a database communicatively connected to the virtual card manager, and wherein the specific card service provider is unaware of the first version and second version;

applying by the virtual card manager selected shared settings received from the first computing device and saved in the database to the first version and the second version;

delivering in a first electronic communication the first version from the virtual card manager to the first computing device;

delivering in a second electronic communication the second version from the virtual card manager to a second computing device; and

wherein use of the first and second versions are managed by the virtual card manager and not by the specific card service providers.

2. The method of claim 1, further comprising:

receiving the first version at a virtual card engine of the first computing device; and

receiving the second version at a virtual card engine of the second computing device.

3. The method of claim 1, further comprising:

after creating, modifying card data in an associative card profile at the virtual card manager.

4. The method of claim 1, further comprising:

maintaining card data and stored value account for the shared virtual card at the card service provider.