Card issuing with restricted virtual numbers
Various embodiments are directed to applying, via contactless card authentication, one or more restrictions to a virtual card number and generating the card number for use by a recipient. The one or more restrictions may be specifically personalized to the recipient and may include, for example, a merchant restriction, an amount restriction, a time period restriction, or a location restriction. The generated virtual card number along with the applied one or more restrictions may be consumed in various ways, such as writing the number to a blank card, transmitting the number directly to the recipient's computing device, etc., all via near-field communication.
1. An apparatus, comprising:
a display device;
near field communication (NFC) circuitry;
memory configured to store instructions;
processing circuitry coupled with the memory and the NFC circuitry to:
detect an indication to generate a virtual card number for a second device based on a first contactless card;
display a prompt on the display device, prompting a user to tap the first contactless card to the apparatus to communicate via NFC;
establish an NFC exchange with the first contactless card via NFC circuitry based on the first contactless card being tapped to the apparatus; and
after establishing the NFC exchange, receive encrypted data from the first contactless card, the encrypted data comprising identifying information to authenticate the user;
send the encrypted data to a remote device for authentication;
receive an indication from the remote device that authentication is successful;
determine, in response to the successful authentication, the virtual card number; and
establish, via the NFC circuitry, a second NFC exchange with the second device; and
perform, via the NFC circuitry, an NFC operation to send the virtual card number to the second device as part of the second NFC exchange.
2. The apparatus of claim 1 , the processing circuitry further to:
determine one or more restrictions associated with the virtual card number; and
send, to the remote device, the one or more restrictions to apply to the virtual card number.
3. The apparatus of claim 2 , the processing circuitry further to receive the one or more restrictions via a user input on a graphical user interface (GUI) presented on the display device.
4. The apparatus of claim 2 , wherein the one or more restrictions include a merchant restriction, an amount restriction, a time period restriction, and/or a location restriction.
5. The apparatus of claim 1 , wherein the processing circuitry of the apparatus is further caused to securely transmit, via the NFC circuitry, expiration date and card verification value (CVV) information to the second device.
6. The apparatus of claim 2 , the processing circuitry further to:
receive, via a user input, a modification of the one or more restrictions; and
send, to the remote device, the modification of the one or more restrictions to apply to the virtual card number.
7. The apparatus of claim 1 , wherein the virtual card number is associated with a user account wherein the user account is a money account, a checking account, a credit card account, a debit card account, a digital wallet account, or a cryptocurrency account.
8. The apparatus of claim 1 , wherein the virtual card number is associated with a personal identification number (PIN), wherein the PIN is required to use the virtual card number.
9. The apparatus of claim 1 , the processing circuitry further to send and provision the virtual card number to a third-party digital wallet of the apparatus.
10. The apparatus of claim 1 , further comprising a display coupled with the processing circuitry to display a prompt to place the second device on a surface of the display in a graphical user interface (GUI).
11. A computer-implemented method, comprising:
detecting an indication to generate a virtual card number for a second device based on a first contactless card;
displaying a prompt on a display device, prompting a user to tap the first contactless card to an apparatus to communicate via near field communication (NFC);
establishing a NFC exchange with the first contactless card via NFC circuitry based on the first contactless card being tapped to the apparatus; and
after establishing the NFC exchange, receiving encrypted data from the first contactless card, the encrypted data comprising information to authenticate the user;
sending the encrypted data to at least one remote device to authenticate the user;
receiving an indication that the user is successfully authenticated;
generating, after receipt of the successful authentication, the virtual card number; and
establishing, via the NFC circuitry, a second NFC exchange with the second device; and
performing, via the NFC circuitry, an NFC operation to send the virtual card number to the second device.
12. The computer-implemented method of claim 11 , comprising:
determining one or more restrictions associated with the virtual card number; and
sending, to the remote device, the one or more restrictions to apply to the virtual card number.
13. The computer-implemented method of claim 12 , comprising receiving the one or more restrictions via a user input on a graphical user interface (GUI) presented on a display device of the apparatus.
14. The computer-implemented method of claim 12 , wherein the one or more restrictions include a merchant restriction, an amount restriction, a time period restriction, and/or a location restriction.
15. The computer-implemented method of claim 11 , further comprising causing to securely transmit, via the NFC circuitry, expiration date and card verification value (CVV) information to the second device.
16. The computer-implemented method of claim 12 , comprising:
receiving, via a user input, a modification of the one or more restrictions; and
sending, to the remote device, the modification of the one or more restrictions to apply to the virtual card number.
17. A non-transitory computer-readable storage medium storing computer readable program code executable by a processor, wherein execution of the computer-readable program code causes the processor to:
detect an indication to generate a virtual card number for a second device based on a first contactless card;
display a prompt on a display device, prompting a user to tap the first contactless card to an apparatus to communicate via NFC;
establish an NFC exchange with the first contactless card via NFC circuitry based on the first contactless card being tapped to the apparatus; and
after establishing the NFC exchange, receive encrypted data from the first contactless card, the encrypted data comprising information to authenticate the user;
send the encrypted data to a remote device to authenticate the user;
receive an indication from the remote device of a successful authentication;
determine, in response to the successful authentication, a virtual card number;
establish, via the NFC circuitry, a second NFC exchange with the second device; and
perform, via the NFC circuitry, an NFC operation to send the virtual card number to the second device.
18. The computer-readable storage medium of claim 17 , wherein the virtual card number is associated with a personal identification number (PIN), wherein the PIN is required for use of the virtual card number.
19. The computer-readable storage medium of claim 17 , wherein execution of the code further causes the processor to send and provision the virtual card number to a third-party digital wallet of the apparatus.
20. The computer-readable storage medium of claim 17 , wherein execution of the code further causes the processor to present a prompt on the display device to prompt the user to provide the first contactless card on a surface of the apparatus or within a distance of the apparatus to communicate the encrypted data.