SYSTEMS AND METHODS FOR MANAGING A VIRTUAL CARD BASED ON GEOGRAPHICAL INFORMATION

• US 20100082487A1
• Filed: 09/23/2009
• Published: 04/01/2010
• Est. Priority Date: 09/26/2008
• Status: Abandoned Application

• Current Assignee: e2Interactive Incorporated
• Original Assignee: Giftango Corp. (Millennium Prime, Inc.)
• Inventors: Nelsen, David A.
• Application Number:
  US12/565,694
• Publication Number:
  US 20100082487A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/351 Virtual cards
• 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 30/02 Marketing; Price estimation or determination; Fundraising

Abstract

A method for using a virtual card is provided. In one example, the method includes identifying a geographic identifier for a mobile computing device and matching the geographic identifier with at least one virtual card associated with the mobile computing device. The method further includes triggering at least one virtual card feature based on a matched geographic identifier. In some examples, the at least one virtual card feature includes presenting the at least one virtual card with the matched geographic identifier. In other examples, the at least one virtual card feature includes a security feature including selectively enabling a virtual card transaction based on the at least one virtual card with the matched geographic identifier.

Claims

1. A method for using a virtual card, the method comprising:

identifying a geographic identifier for a mobile computing device;

matching the geographic identifier with at least one virtual card associated with the mobile computing device; and

triggering at least one virtual card feature based on a matched geographic identifier.

2. The method of claim 1, wherein the at least one virtual card feature includes presenting the at least one virtual card with the matched geographic identifier.

3. The method of claim 1, wherein the at least one virtual card feature includes a security feature including selectively enabling a virtual card transaction based on the at least one virtual card with the matched geographic identifier.

4. The method of claim 1, wherein the at least one virtual card feature includes sending an authentication request to a virtual card manager for a virtual card transaction based on the at least one virtual card with the matched geographic identifier.

5. The method of claim 1, wherein triggering at least one virtual card feature based on a matched geographic identifier upon user request.

6. The method of claim 1, wherein matching the geographic identifier with at least one virtual card associated with the mobile computing device includes determining that the geographic identifier is less than a first threshold value for the at least one virtual card.

7. The method of claim 1, wherein matching the geographic identifier with at least one virtual card associated with the mobile computing device includes comparing geographical location data of the at least one virtual card.

8. The method of claim 1, wherein the at least one virtual card feature includes one or more of merchant core information and merchant promotion, and where triggering the at least one virtual card feature includes displaying one or more of the merchant core information and the merchant promotion.

9. A method for management of one or more virtual cards included in a virtual card engine communicatively linked to a virtual card manager, the method comprising:

determining a distance between a mobile computing device location and at least one merchant-outlet location, the at least one merchant-outlet location associated with a card service provider and at least one virtual card, the card service provider configured to process a virtual card transaction; and

selectively presenting at least one virtual card associated with the merchant-outlet location on a display of the mobile computing device based on the distance between the mobile computing device location and the at least one merchant-outlet location.

10. The method of claim 9, further comprising:

accessing the at least one virtual card presented on the display;

sending a selective enablement request to the virtual card manager in response to accessing the at least one virtual card; and

receiving a selective enablement verification, the selective enablement activated by the virtual card manager based on the distance between the mobile computing device location and the at least one merchant-outlet location from the virtual card manager.

11. The method of claim 10, wherein selective enablement includes permitting authentication requests.

12. The method of claim 9, wherein selectively presenting at least one virtual card includes presenting a set of virtual cards having a corresponding distance between the mobile computing device and the at least one merchant-outlet location less than a threshold value.

13. The method of claim 12, wherein the threshold value is established by the mobile computing device.

14. The method of claim 9, wherein selectively presenting at least one virtual card includes presenting a plurality of virtual cards in a consecutive arrangement according to the distance between the mobile computing device and the at least one merchant-outlet location.

15. The method of claim 9, wherein the virtual card engine is executed on the mobile computing device.

16. A method for management of one or more virtual cards included in a virtual card engine communicatively linked to a virtual card manager, the method comprising:

determining a distance between a mobile computing device location and at least one merchant-outlet location, the at least one merchant-outlet location associated with a card service provider and at least one virtual card, the card service provider configured to process a virtual card transaction;

selectively presenting at least one virtual card associated with the at least one merchant-outlet location on a display of the mobile computing device based the distance between the mobile computing device location and the at least one merchant-outlet location; and

selectively enabling a virtual card transaction between at least one virtual card and the card service provider based on the distance between the mobile computing device location and the at least one merchant-outlet location.

17. The method of claim 16, further comprising:

accessing the at least one virtual card presented on the display;

sending an authentication request to the virtual card manager in response to accessing the at least one virtual card from the virtual card engine; and

receiving an authentication verification at the virtual card engine.

18. The method of claim 16, wherein selectively presenting at least one virtual card includes presenting a set of virtual cards on the display having a corresponding distance between the mobile computing device and the at least one merchant-outlet location less than a threshold value.

19. The method of claim 16, further comprising adjusting an appearance of the at least one virtual card presented on the display based on the distance between the mobile computing device and the at least one merchant-outlet location.

20. The method of claim 16 wherein selectively enabling includes toggling the virtual card for use in a virtual card transaction via the virtual card manager.

21. The method of claim 16, wherein the virtual card is one of a gift card, a membership card, and a rewards card.