IP Library Granted Patent US 11,037,212
Granted Patent B2
US 11,037,212 · App. 14/556,915 · Granted Jun 15, 2021

Pre-populating a credit card number field

Inventors: James Walz (Blacklick, OH); Karen Lowe (Nashport, OH); David Nack (Bexley, OH)
Assignee: Comenity LLC
G06Q30/0601G06Q20/12G06Q20/24G06Q20/322G06Q20/346G06Q20/3552G06Q20/409H04W12/06H04W12/068H04W88/02
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Quick Facts
Patent No.
US 11,037,212
App. No.
14/556,915
Granted
Jun 15, 2021
Kind
B2
Abstract

In a computer-implemented method for pre-populating a credit card number field a credit card number is stored at a remote location by a credit card issuer, and a credit card number field is pre-populated with the stored credit card number for an online payment, wherein the pre-populating is provided by the credit card issuer.

Claims (32)

1. A computer-implemented method for pre-populating a credit card number field, comprising:

storing, at a remote computing device associated with a credit card issuer, a particular credit card number;

receiving, at the remote computing device and from a local computing device, a request for the remote computing device to automatically provide the particular credit card number to the credit card number field of an online website of an ecommerce only retailer hosted by a third computing device,

the remote computing device, the local computing device and the third computing device hosting the online website are each distinct,

the request indicating that a user of the local computing device does not manually provide the particular credit card number to the credit card number field of the online website hosted by the third computing device;

providing, from the remote computing device and to the local computing device, a request for an authentication of the user;

receiving, at the remote computing device and from the local computing device, an authentication information for the user,

the authentication information for the user comprising: a biometric information about the user, wherein said biometric information is information obtained based on a heart rate of the user,

the biometric information used in place of a user identifier and password authentication; and

pre-populating, by the remote computing device and after the authentication of the user, the credit card number field of the online website hosted by the third computing device with said stored particular credit card number without providing access to the stored particular credit card number at the local computing device.

2. The computer-implemented method of claim 1 , wherein said particular credit card number is of a private label credit card.

3. The computer-implemented method of claim 1 , wherein said particular credit card number is of a digital credit card.

4. The computer-implemented method of claim 1 , wherein said biometric information is information obtained based on a thumb print scan of the user.

5. The computer-implemented method of claim 1 , wherein said biometric information is information obtained based on a voice detection of the user.

6. The computer-implemented method of claim 1 , wherein said request for the authentication of the user further comprises: a request for a username and a password for the user.

7. A computer-implemented method for pre-populating a credit card number field, comprising:

issuing a credit card by a credit card issuer to a user;

storing, at a remote computing device associated with the credit card issuer, a particular credit card number of said credit card;

receiving an indication, at a local computing device, that the user does not manually provide the particular credit card number to the credit card number field of an online website of an ecommerce only retailer hosted by a third computing device,

the remote computing device, the local computing device and the third computing device hosting the online website are each distinct;

providing, from the local computing device to the remote computing device, a request for the remote computing device to automatically provide the particular credit card number to the credit card number field of the online website hosted by the third computing device,

receiving, at the local computing device and from the remote computing device, a request for an authentication of the user;

providing, from the local computing device and to the remote computing device, an authentication information for the user,

the authentication information for the user comprising: a biometric information about the user, wherein said biometric information is information obtained based on a heart rate of the user,

the biometric information used in place of a user identifier and password authentication;

authenticating, at the remote computing device, the user based on the authentication information; and

pre-populating, by the remote computing device and after the authentication of the user, the credit card number field of the online website hosted by the third computing device with said particular credit card number without providing the stored particular credit card number to the local computing device.

8. The computer-implemented method of claim 7 , wherein said particular credit card number is of a private label credit card.

9. The computer-implemented method of claim 7 , wherein said particular credit card number is of a digital credit card.

10. The computer-implemented method of claim 7 , wherein said request for the authentication of the user further comprises: a request for a username and a password for the user.

11. The computer-implemented method of claim 7 , wherein said biometric information is information obtained based on a thumb print scan of the user.

12. The computer-implemented method of claim 7 , wherein said biometric information is information obtained based on a voice detection of the user.

Assignments (2)
MERGER AND CHANGE OF NAME Recorded Mar 21, 2023
From: COMENITY LLC; BREAD FINANCIAL PAYMENTS, INC
To: BREAD FINANCIAL PAYMENTS, INC.
Reel/Frame 063125/0756 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Dec 1, 2014
From: WALZ, JAMES; LOWE, KAREN; NACK, DAVID
To: COMENITY LLC
Reel/Frame 034290/0419 →
Continuity (1)
Related Publication 20160155160A1 · Jun 2, 2016
Cited By (1)
US 12,332,916