Granted Patent B2

US 12,731,153 · App. 18/738,292 · Granted Sep 8, 2026

Inventor: Sirena Jean Wong (Moraga, CA)

Assignee: Wells Fargo Bank, N.A.

G06Q20/4097G06Q20/351G06Q20/36

Abstract

Claims (74)

1 . A method for custom alert identification performed by a server comprising a processor, communications hardware, and feedback engine, the method comprising:

obtaining, by the communications hardware, first readable software instructions specifying a first virtual payment card, a storage location comprising a virtual wallet application, and a first feedback;

generating, by the feedback engine utilizing the processor, first key-value-pair data comprising a key that specifies an identity of the first virtual payment card and a value that specifies the first feedback with the first virtual payment card and the virtual wallet application;

receiving, by the communications hardware, a first virtual payment card provisioning request specifying the first virtual payment card and the storage location;

generating, by the feedback engine utilizing the processor, executable software instructions to add the first virtual payment card to the virtual wallet application and to associate the first virtual payment card with the first feedback, wherein the virtual wallet application is installed on a computing device; and

transmitting, by the communications hardware to the computing device, the executable software instructions.

2 . The method of claim 1 , further comprising:

generating, by the feedback engine utilizing the processor, a key-value-pairs table associated with the virtual wallet application; and

storing, by the feedback engine utilizing the processor, the first key-value-pair data to the key-value-pairs table.

3 . The method of claim 2 , further comprising:

obtaining, by the communications hardware, second virtual payment card information specifying a second virtual payment card and the virtual wallet application, wherein the second virtual payment card is different from the first virtual payment card;

obtaining, by the communications hardware, second feedback instructions specifying a second feedback to be used to indicate an identity of the second virtual payment card, wherein the second feedback is different from the first feedback, and wherein the second feedback comprises two or more of a haptic pattern, an audio pattern, or a visual pattern;

generating, by the feedback engine utilizing the processor and based on the second virtual payment card and the second feedback, second key-value-pair data indicating the second virtual payment card and the second feedback;

storing, by the feedback engine utilizing the processor, the second key-value-pair data to the key-value-pairs table;

receiving, by the communications hardware, a second virtual payment card provisioning request specifying the second virtual payment card and the virtual wallet application; and

in response to receiving the second virtual payment card provisioning request:

obtaining, by the feedback engine utilizing the processor, the second key-value-pair data from the key-value-pairs table, and

transmitting, by the communications hardware, second virtual payment card provisioning instructions comprising software instructions for outputting the second feedback of the second key-value-pair data via the feedback engine.

4 . The method of claim 3 , wherein the first virtual payment card and the second virtual payment card are to be provisioned as virtual payment cards in the virtual wallet application installed on a device that transmitted the first virtual payment card provisioning request and the second virtual payment card provisioning request.

5 . The method of claim 4 , wherein the first feedback and the second feedback are generated using the device to respectively identify the first virtual payment card and the second virtual payment card during an action involving one of the first virtual payment card or the second virtual payment card.

6 . The method of claim 3 , wherein the first feedback comprises a first haptic pattern and the second feedback comprises a second haptic pattern.

7 . The method of claim 6 , wherein the first feedback further comprises a first audio pattern and the second feedback further comprises a second audio pattern.

8 . The method of claim 3 , wherein the first feedback comprises a first audio pattern and the second feedback comprises a second audio pattern.

9 . The method of claim 3 , wherein the identity of the first virtual payment card comprises at least one of a payment card name, a payment card issuer name, and a payment card co-branded partner name.

10 . The method of claim 9 , wherein the identity of the first virtual payment card further comprises a payment card type.

11 . An apparatus for custom alert identification comprising:

communications hardware configured to:

obtain first readable software instructions specifying a first virtual payment card, a storage location comprising a virtual wallet application, and a first feedback;

a feedback engine configured to:

generate first key-value-pair data comprising a key that specifies an identity of the first virtual payment card and a value that specifies the first feedback with the first virtual payment card and the virtual wallet application;

wherein the communications hardware is further configured to:

receive a first virtual payment card provisioning request specifying the first virtual payment card and the storage location;

wherein the feedback engine is further configured to:

generate executable software instructions to add the first virtual payment card to the virtual wallet application and to associate the first virtual payment card with the first feedback, wherein the virtual wallet application is installed on a computing device; and

wherein the communications hardware is further configured to:

transmit the executable software instructions to the computing device.

12 . The apparatus of claim 11 , wherein the feedback engine is further configured to:

generate a key-value-pairs table associated with the virtual wallet application; and

store the first key-value-pair data to the key-value-pairs table.

13 . The apparatus of claim 12 ,

wherein the communications hardware is further configured to:

obtain second virtual payment card information specifying a second virtual payment card and the virtual wallet application, wherein the second virtual payment card is different from the first virtual payment card;

obtain second feedback instructions specifying a second feedback to be used to indicate an identity of the second virtual payment card, wherein the second feedback is different from the first feedback, and wherein the second feedback comprises two or more of a haptic pattern, an audio pattern, or a visual pattern,

wherein the feedback engine is further configured to:

generate, based on the second virtual payment card and the second feedback, second key-value-pair data indicating the second virtual payment card and the second feedback;

store the second key-value-pair data to the key-value-pairs table,

wherein the communications hardware is further configured to:

receive a second virtual payment card provisioning request specifying the second virtual payment card and the virtual wallet application,

wherein the feedback engine is further configured to, in response to receiving the second virtual payment card provisioning request:

obtain the second key-value-pair data from the key-value-pairs table, and

wherein the communications hardware is further configured to:

transmit second virtual payment card provisioning instructions comprising software instructions for outputting the second feedback of the second key-value-pair data via the feedback engine.

14 . The apparatus of claim 13 , wherein the first virtual payment card and the second virtual payment card are to be provisioned as virtual payment cards in the virtual wallet application installed on a device that transmitted the first virtual payment card provisioning request and the second virtual payment card provisioning request.

15 . The apparatus of claim 14 , wherein the first feedback and the second feedback are generated using the device to respectively identify the first virtual payment card and the second virtual payment card during an action involving one of the first virtual payment card or the second virtual payment card.

16 . The apparatus of claim 13 , wherein the first feedback comprises a first haptic pattern and the second feedback comprises a second haptic pattern.

17 . The apparatus of claim 16 , wherein the first feedback further comprises a first audio pattern and the second feedback further comprises a second audio pattern.

18 . The apparatus of claim 13 , wherein the first feedback comprises a first audio pattern and the second feedback comprises a second audio pattern.

19 . A computer program product for custom alert identification, the computer program product comprising at least one non-transitory computer-readable storage medium storing software instructions that, when executed by a processor of an apparatus, causes the apparatus to:

obtain first readable software instructions specifying a first virtual payment card, a storage location comprising a virtual wallet application, and a first feedback;

generate first key-value-pair data comprising a key that specifies an identity of the first virtual payment card and a value that specifies the first feedback with the first virtual payment card and the virtual wallet application;

receive a first virtual payment card provisioning request specifying the first virtual payment card and the storage location;

generate executable software instructions to add the first virtual payment card to the virtual wallet application and to associate the first virtual payment card with the first feedback, wherein the virtual wallet application is installed on a computing device; and

transmit the executable software instructions to the computing device.

20 . The computer program product of claim 19 , wherein the software instructions are further configured to cause the apparatus to:

generate a key-value-pairs table associated with the virtual wallet application;

store the first key-value-pair data to the key-value-pairs table;

obtain second virtual payment card information specifying a second virtual payment card and the virtual wallet application, wherein the second virtual payment card is different from the first virtual payment card;

obtain second feedback instructions specifying a second feedback to be used to indicate an identity of the second virtual payment card, wherein the second feedback is different from the first feedback, and wherein the second feedback comprises two or more of a haptic pattern, an audio pattern, or a visual pattern;

generate, based on the second virtual payment card and the second feedback, second key-value-pair data indicating the second virtual payment card and the second feedback;

store the second key-value-pair data to the key-value-pairs table;

receive a second virtual payment card provisioning request specifying the second virtual payment card and the virtual wallet application; and

in response to receiving the second virtual payment card provisioning request:

obtain the second key-value-pair data from the key-value-pairs table, and

transmit second virtual payment card provisioning instructions comprising software instructions for outputting the second feedback of the second key-value-pair data via the apparatus.

Assignments (1)

Continuity (2)

References Cited (43)