Providing real-time replacement credit account information to a customer when an existing physical card associated with the credit account is compromised
A system and method for providing real-time replacement credit account information to a customer when existing credit account information is compromised. The method receives a report of the compromised credit account information for a customer's existing credit account. The compromised credit account information for the existing credit account is canceled. Replacement credit account information for the existing credit account is generated. At least a portion of the replacement credit account information is provided to the customer, such that the customer can continue to utilize the existing credit account without interruption.
1 . A non-transitory computer-readable storage medium having instructions embodied therein that when executed cause a credit provider computer system of a credit provider to:
receive, directly from a customer's mobile device, a report of a compromised credit account information for an existing credit account of a customer of said credit provider;
determine said existing credit account identified by said report of said compromised credit account information was issued by said credit provider;
access a database comprising a plurality of existing customer credit accounts;
identify said existing credit account of said customer from said database of said plurality of existing customer credit accounts;
cancel said compromised credit account information from said existing credit account of said customer;
generate a replacement credit account information for said existing credit account of said customer, said replacement credit account information comprising:
a new card number;
a new expiration date; and
a new security code, wherein said replacement credit account information is not temporary;
add said replacement credit account information to said existing credit account of said customer at said database;
initiate a communication directly with said customer's mobile device; and
provide, via an electronic communication directly with said customer's mobile device, said replacement credit account information in a metadata file configured to automatically replace said compromised credit account information stored at said customer's mobile device such that said replacement credit account information provides immediate mobile purchase capability after it is automatically placed.
2 . The non-transitory computer-readable storage medium of claim 1 , further comprising:
utilize, from said report of said compromised credit account information, a customer user ID to confirm an identity of a provider of said report.
3 . The non-transitory computer-readable storage medium of claim 1 , further comprising:
utilize, from said report of said compromised credit account information, a device ID to confirm an identity of a provider of said report.
4 . The non-transitory computer-readable storage medium of claim 1 , further comprising:
confirm, from said existing credit account of said customer at said database, a customer user ID prior to said replacement credit account information being provided to said mobile wallet of said customer's mobile device.
5 . The non-transitory computer-readable storage medium of claim 1 , further comprising:
confirm, from said existing credit account of said customer at said database, a device ID prior to said replacement credit account information being provided to said mobile wallet of said customer's mobile device.
6 . A credit provider computer system of a credit provider comprising:
a memory, said memory comprising a plurality of existing customer credit accounts; and
a processor, said processor configured to:
receive, directly from a customer's mobile device, a report of a compromised credit account information for an existing credit account of a customer of said credit provider;
determine said existing credit account identified by said report of said compromised credit account information was issued by said credit provider;
access said memory;
identify said existing credit account of said customer from said memory comprising said plurality of existing customer credit accounts;
cancel-said compromised credit account information from said existing credit account of said customer;
generate a replacement credit account information for said existing credit account of said customer, said replacement credit account information comprising:
a new card number;
a new expiration date; and
a new security code, wherein said replacement credit account information is not temporary;
add said replacement credit account information to said existing credit account of said customer at said memory; and
provide, via an electronic communication directly with said customer's mobile device, said replacement credit account information in a metadata file configured to automatically replace said compromised credit account information in said mobile wallet such that said replacement credit account information provides immediate mobile purchase capability after it is automatically placed.
7 . The credit provider computer system of claim 6 wherein a customer user ID, obtained from said report of said compromised credit account information, is used to confirm an identity of a provider of said report.
8 . The credit provider computer system of claim 6 wherein a device ID, obtained from said report of said compromised credit account information, is used to confirm an identity of a provider of said report.
9 . The credit provider computer system of claim 6 wherein a customer user ID, obtained from said report of said compromised credit account information, is validated by said processor prior to said replacement credit account information is provided to said mobile wallet of said customer's mobile device.
10 . The credit provider computer system of claim 6 wherein a device ID, obtained from said report of said compromised credit account information, is validated by said processor prior to said replacement credit account information is provided to said mobile wallet of said customer's mobile device.
11 . A computer-implemented method for providing real-time replacement credit account information when an existing credit account information is compromised, said computer-implemented method comprising:
receiving, at a credit provider computer system of a credit provider and directly from a customer's mobile device, a report of a compromised credit account information for an existing credit account of a customer of said credit provider;
determining, at said credit provider computer system, existing credit account identified by said report of said compromised credit account information was issued by said credit provider;
accessing, via said credit provider computer system, a database comprising a plurality of existing customer credit accounts;
identifying, via said credit provider computer system, said existing credit account of said customer from said database of said plurality of existing customer credit accounts;
canceling, from said database accessed via said credit provider computer system, said compromised credit account information from said existing credit account of said customer;
generating, at said credit provider computer system, a replacement credit account information for said existing credit account of said customer, said replacement credit account information comprising:
a new card number;
a new expiration date; and
a new security code, wherein said replacement credit account information is not temporary;
adding, to said database via said credit provider computer system, said replacement credit account information to said existing credit account of said customer; and
providing, via an electronic communication directly between said credit provider computer system and said customer's mobile device, said replacement credit account information in a metadata file configured to automatically replace said compromised credit account information in said mobile wallet such that said replacement credit account information provides immediate mobile purchase capability when it is automatically placed.
12 . The computer-implemented method as recited in claim 11 , further comprising:
utilizing, at said credit provider computer system and from said report of said compromised credit account information, a customer user ID to confirm an identity of a provider of said report.
13 . The computer-implemented method of claim 11 , further comprising:
utilizing, at said credit provider computer system and from said report of said compromised credit account information, a device ID to confirm an identity of a provider of said report.
14 . The computer-implemented method as recited in claim 11 , further comprising:
confirming, via said credit provider computer system and from said existing credit account of said customer at said database, a customer user ID prior to providing said replacement credit account information to said mobile wallet of said customer's mobile device.
15 . The computer-implemented method as recited in claim 11 , further comprising:
confirming, via said credit provider computer system and from said existing credit account of said customer at said database, a device ID prior to providing said replacement credit account information to said mobile wallet of said customer's mobile device.