CUSTOMER TOKEN PREFERENCES INTERFACE

• US 20160275489A1
• Filed: 06/01/2016
• Published: 09/22/2016
• 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.
• Granted Patent: US 10,134,030 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• 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 token on the graphical user interface, wherein initiating the presentation of the original token further comprises presenting at least one indication of association between the original token and 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 a 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

wherein the second position corresponds to the original token being unavailable for use as a payment credential.

2. The apparatus of claim 1, wherein the original 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 token for use with the digital wallet;

authenticating the original 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 token with the digital wallet; and

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

4. The apparatus of claim 1, wherein the toggle switch comprises a travel indicator such that the first position corresponds to the user not traveling and the second position corresponds to the user traveling.

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

when the travel indicator is moved from the first position to the second position, deactivating the original token and issuing a new token to the digital wallet.

6. The apparatus of claim 5, wherein the module is further configured to:

when the travel indicator is moved from the second position to the first position, deactivating the new token and re-activating the original token.

7. The apparatus of claim 5, wherein the module is further configured to:

when the travel indicator is moved from the second position to the first position, deactivating the new token and issuing a second new token to the digital wallet.

8. The apparatus of claim 6, wherein the module is further configured to:

destroy the new token.

9. The apparatus of claim 7, wherein the module is further configured to:

destroy the original token and the new token.

10. The apparatus of claim 1, wherein the original token is a single-use token.

11. The apparatus of claim 1, wherein the original token is a multi-use token.

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

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