Connected payment card systems and methods
Methods and systems of managing payment cards are disclosed. A financial institution computing system includes a token database storing a plurality of tokens and token information, a network interface circuit enabling the financial institution computing system to exchange information over a network; and a token management circuit. The token management circuit enables a graphical user interface on a customer device over the network that can be used to generate new token requests, re-provision token requests, and management requests. The management requests enable and disable tokens, such that transactions against a payment card account using an enabled token are completed, and transactions against the payment card account using a disabled token are denied.
1. A computing system for managing customer tokens, the system comprising:
a token database retrievably storing a plurality of tokens and token information associated with each of the plurality of tokens;
a network interface circuit enabling the computing system to exchange information over a network; and
a token management circuit connected to a graphical user interface on a customer device,
the system performing the steps of:
displaying, on the graphical user interface, a list of merchants and one or more tokens associated with each of said merchants, wherein each token indicates whether the token is enabled or disabled;
receiving, by the graphical user interface, first instructions to either enable or disable a first token of the one or more tokens associated with said corresponding merchant;
receiving, by the graphical user interface, second instructions to delete a second token of the one or more tokens associated with said corresponding merchant; and
updating the token database according to the first and second instructions; and
a customer database retrievably storing customer account information, wherein the system further performs the steps of:
displaying, on the graphical user interface, customer account information comprising personal information of a customer associated with a payment card account corresponding to the one or more tokens associated with said corresponding merchant;
displaying, on the graphical user interface, a representation of a payment card image;
receiving, by the graphical user interface, third instructions to change the customer account information;
modifying, on the graphical user interface, the payment card image in response to receiving the third instructions;
receiving, by the graphical user interface, information associated with a point of sale from a remote device, and
modifying, by the graphical user interface, the payment card image to reflect characteristics associated with the point of sale.
2. The computing system of claim 1 , wherein the first instructions are in response to selection of a first button of the graphical user interface, and the second instructions are in response to selection of a second button of the graphical user interface.
3. The computing system of claim 1 , wherein the system further performs the step of receiving, by the graphical user interface, third instructions to re-provision a primary account number (PAN) of a third token of the one or more tokens associated with said corresponding merchant.
4. The computing system of claim 3 , wherein updating the token database comprises reissuing a new payment card and a new PAN in response to receiving the third instructions.
5. The computing system of claim 4 , wherein updating the token database further comprises generating a replacement payment token for the new payment card and distributing the replacement token to one or more merchant systems in response to receiving the third instructions.
6. The computing system of claim 1 , wherein the list of merchants is a first list of merchants, and wherein the system further performs the step of:
displaying, on the graphical user interface, a second list of merchants and one or more tokens associated with each of said merchants in the second list of merchants, wherein each token indicates whether the token is enabled or disabled and presents a selectable button for deleting said token;
wherein the first list of merchants is associated with a first payment card account and the second list of merchants is associated with a second payment card account that is different from the first payment card account.
7. The computing system of claim 1 , wherein the system further performs the steps of displaying, on the graphical user interface, one or more editable fields configured to receive updates to the customer account information, and transmitting the updates to the customer account information to one or more remote merchant computing systems.
8. A method of enabling customer information management, the method comprising:
storing, at a token database, information regarding a plurality of tokens;
displaying, on a graphical user interface, a list of merchants and one or more tokens associated with each of said merchants, wherein each token indicates whether the token is enabled or disabled;
receiving, by the graphical user interface, first instructions to either enable or disable a first token of the one or more tokens associated with said corresponding merchant;
receiving, by the graphical user interface, second instructions to delete a second token of the one or more tokens associated with said corresponding merchant;
updating the token database according to the first and second instructions;
displaying, on the graphical user interface, customer account information that includes personal information of a customer associated with a payment card account corresponding to the one or more tokens associated with said corresponding merchant;
displaying, on the graphical user interface, a representation of a payment card image;
receiving, by the graphical user interface, third instructions to change the customer account information;
modifying, on the graphical user interface, the payment card image in response to receiving the third instructions;
receiving, by the graphical user interface, information associated with a point of sale from a remote device; and
modifying, by the graphical user interface, the payment card image to reflect characteristics associated with the point of sale.
9. The method of claim 8 , further comprising receiving, by the graphical user interface, third instructions to re-provision a primary account number (PAN) of a third token of the one or more tokens associated with said corresponding merchant.
10. The method of claim 9 , wherein updating the token database further comprises generating replacement payment tokens for the new payment card and distributing the replacement tokens to one or more merchant systems in response to receiving the third instructions.
11. The method of claim 8 , further comprising displaying, by the graphical user interface, one or more editable fields configured to receive updates to the customer account information, and transmitting the updates to the customer account information from the data exchange circuit to remote merchant computing systems.
12. A non-transitory computer readable media having computer-executable instructions embodied therein that, when executed by a processor of a computing system, cause the computing system to perform the steps of:
storing, at a token database, information regarding a plurality of tokens;
displaying, on a graphical user interface, a list of merchants and one or more tokens associated with each of said merchants, wherein each token indicates whether the token is enabled or disabled;
receiving, by the graphical user interface, first instructions to either enable or disable a first token of the one or more tokens associated with said corresponding merchant;
receiving, by the graphical user interface, second instructions to delete a second token of the one or more tokens associated with said corresponding merchant;
updating the token database according to the first and second instructions;
displaying, on the graphical user interface, customer account information that includes personal information of a customer associated with a payment card account corresponding to the one or more tokens associated with said corresponding merchant;
displaying, on the graphical user interface, a representation of a payment card image;
receiving, by the graphical user interface, third instructions to change the customer account information;
modifying, on the graphical user interface, the payment card image in response to receiving the third instructions;
receiving, by the graphical user interface, information associated with a point of sale from a remote device; and
modifying, by the graphical user interface, the payment card image to reflect characteristics associated with the point of sale.
13. The non-transitory computer-readable media of claim 12 , wherein
the instructions further cause the computing system to perform the step of receiving, by the graphical user interface, third instructions to re-provision a primary account number (PAN) of a third token of the one or more tokens associated with said corresponding merchant, and wherein updating the token database comprises:
reissuing a new payment card and a new PAN in response to receiving the third instructions to re-provision the PAN of the third token;
generating a replacement payment token for the new payment card; and
distributing the replacement payment token to one or more merchant systems in response to receiving the third instructions.
14. The non-transitory computer-readable media of claim 12 , wherein the instructions further cause the computing system to perform the steps of storing customer account information at a customer database, and displaying, on the graphical user interface, customer account information of a customer associated with a payment card account corresponding to the one or more tokens associated with said corresponding merchant.