Customer token preferences interface

• US 10,134,030 B2
• Filed: 06/01/2016
• Issued: 11/20/2018
• Est. Priority Date: 03/04/2014
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Bondesen, Laura Corinne, Blackhurst, Jason P., Harkey, Scott Lee, Belchee, William Blakely, Brunswig, Tammy L.
• Primary Examiner(s): Poinvil, Frantzy
• Application Number:
  US15/170,655
• Publication Number:
  US 20160275489A1
• Time in Patent Office: 902 Days
• Field of Search: 705 3- 44
• CPC Class Codes: G06F 3/0481 based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
• CPC Class Codes: G06Q 20/0855 involving a third party
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• 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 20/3674 involving authentication
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes

Abstract

Embodiments are directed to token management. Embodiments initiate presentation of a digital wallet management interface including initiating presentation of a digital wallet; initiating presentation of an original token associated with the digital wallet; initiating presentation of a toggle switch comprising a first position and a second position and associated with the original token and configured for graphical manipulation by the user between the first position and the second position, wherein the first position corresponds to the original token being available for use as a payment credential; and where the second position corresponds to the original token being unavailable for use as a payment credential.

Claims

1. An apparatus for token management, the apparatus comprising:

a memory;

a graphical user interface;

a processor; and

a module stored in the memory, executable by the processor, and configured to;

initiate presentation of a digital wallet management interface, comprising;

initiating presentation of a digital wallet;

initiating presentation of an original multi-use token on the graphical user interface, wherein initiating the presentation of the original multi-use token further comprises presenting at least one indication of association between the original multi-use token and the digital wallet;

initiating presentation of a travel toggle switch comprising a first position and a second position and associated with the original multi-use token and configured for graphical manipulation by a user between the first position and the second position,

wherein the first position corresponds to the user not traveling and the original multi-use token being available for use as a payment credential; and

wherein the second position corresponds to the user traveling and the original multi-use token being unavailable for use as a payment credential;

determine that the user is not traveling;

in response to determining that the user is not traveling, automatically deactivate the travel toggle switch so the user cannot manipulate the travel toggle switch;

determine that the uses is traveling;

in response to determining that the user is traveling, automatically activate the travel toggle switch so the user can manipulate the travel toggle switch between the first position and the second position;

determine that the user has moved the travel toggle switch from the first position to the second position;

in response to determining that the user has moved the travel toggle switch from the first position to the second position, deactivate the original multi-use token and issue a new multi-use token to the digital wallet; and

when the travel toggle switch is moved from the second position to the first position, deactivate the new multi-use token and issue a second new multi-use token to the digital wallet.

2. The apparatus of claim 1, wherein the original multi-use token is not associated for use with the digital wallet.

3. The apparatus of claim 2, wherein initiating presentation of the digital wallet management interface comprises:

receiving, from the user through the digital wallet management interface, user authentication credentials configured for authenticating the original multi-use token for use with the digital wallet;

authenticating the original multi-use token for use with the digital wallet based on successful validation of the user authentication credentials;

receiving, a request from the user to associate the original multi-use token with the digital wallet; and

associating the original multi-use token with the digital wallet based on at least determining that the original multi-use token is authenticated for use.

4. The apparatus of claim 1, wherein the module is further configured to:

destroy the original multi-use token and the new multi-use token.

5. The apparatus of claim 1, wherein the apparatus is a mobile device.

6. The apparatus of claim 1, wherein the apparatus is a smartphone.