Systems and methods for ghost card creation via a browser extension
Embodiments described herein disclose methods and systems for identifying that a user is accessing a retailer or service provider website and automatically enabling an interactive window that includes personalized user information. The system can detect that the user is accessing a payment webpage associated with the website, and, in response, generate a selectable list of payment instruments associated with the user. When the user selects a payment instrument, the system can create an electronic ghost card linked to the payment instrument and the electronic ghost card information can be input into the payment webpage.
1 . A method comprising:
receiving a selection for generating merchant-specific virtual credit cards associated with at least one payment card associated with a user;
generating a first reusable merchant-specific virtual card associated with a first merchant and a second reusable merchant-specific virtual card associated with a second merchant, wherein the first reusable merchant-specific virtual card and the second reusable merchant-specific virtual card are linked to the at least one payment card and have merchant-specific virtual card numbers that are different than a card number of the at least one payment card;
storing, in at least one virtual card manager database, the first reuseable merchant-specific virtual card and the second reusable merchant-specific virtual card, wherein the at least one virtual card manager database is configured to provide reusable virtual cards for reuse with respective merchants;
in response to the user accessing a payment webpage of a website associated with the first merchant, selecting, from the at least one virtual card manager database, the first reusable merchant-specific virtual car generated for the first merchant;
automatically entering, via a web browser extension, information associated with the first reusable merchant-specific virtual card into a payment section of the payment webpage; and
submitting the information associated with the first reusable merchant-specific virtual card as a transaction request for a purchase of one or more items.
2 . The method of claim 1 , further comprising:
displaying, via the web browser extension, a list of reusable merchant-specific virtual cards associated with a user account.
3 . The method of claim 1 , further comprising:
displaying, via the web browser extension, a request for authentication credentials identifying the user; and
receiving, via the web browser extension, the authentication credentials identifying the user.
4 . The method of claim 1 , further comprising:
in response to the user accessing the website, automatically enabling an interactive window, wherein the interactive window includes personalized information associated with the user.
5 . The method of claim 1 , further comprising:
displaying an interactive window that includes the information associated with the first reusable merchant-specific virtual card.
6 . The method of claim 1 , further comprising:
displaying, via the web browser extension, the first reusable merchant-specific virtual card and at least one indication that it is linked to the at least one payment card.
7 . The method of claim 1 , further comprising:
receiving a request to complete a transaction from the first merchant using the first reusable merchant-specific virtual card; and
charging the at least one payment card linked to the first reusable merchant-specific virtual card for the transaction.
8 . A system comprising:
one or more processors; and
one or more memories storing instructions that, when executed by the one or more processors, cause the system to perform a process comprising:
receiving a selection for generating merchant-specific virtual credit cards associated with at least one payment card associated with a user;
generating a first reusable merchant-specific virtual card associated with a first merchant and a second reusable merchant-specific card associated with a second merchant, wherein the first reusable merchant-specific virtual card and the second reusable merchant-specific virtual card are linked to the at least one payment card and have merchant-specific virtual card numbers that are different than a card number of the at least one payment card;
storing, in at least one virtual card manager database, the first reusable merchant-specific virtual card and the second reusable merchant-specific virtual card, wherein the at least one virtual card manager database is configured to provide reusable virtual cards for reuse with respective merchants;
in response to the user accessing a payment webpage of a website associated with the first merchant, selecting, from the at least one virtual card manager database, the first reusable merchant-specific virtual card generated for the first merchant;
automatically entering, via a web browser extension, information associated with the first reusable merchant-specific virtual card into a payment section of the payment webpage; and
submitting the information associated with the first reusable merchant-specific virtual card as a transaction request for a purchase of one or more items.
9 . The system of claim 8 , wherein the process further comprises:
displaying, via the web browser extension, a list of reusable merchant-specific virtual cards associated with a user account.
10 . The system of claim 8 , wherein the process further comprises:
displaying, via the web browser extension, a request for authentication credentials identifying the user; and
receiving, via the web browser extension, the authentication credentials identifying the user.
11 . The system of claim 8 , wherein the process further comprises:
in response to the user accessing the website, automatically enabling an interactive window, wherein the interactive window includes personalized information associated with the user.
12 . The system of claim 8 , wherein the process further comprises:
displaying an interactive window that includes the information associated with the first reusable merchant-specific virtual card.
13 . The system of claim 8 , wherein the process further comprises:
displaying, via the web browser extension, the first reusable merchant-specific virtual card and at least one indication that it is linked to the at least one payment card.
14 . The system of claim 8 , wherein the process further comprises:
receiving a request to complete a transaction from the first merchant using the first reusable merchant-specific virtual card; and
charging the at least one payment card linked to the first reusable merchant-specific virtual card for the transaction.
15 . A non-transitory computer-readable medium storing instructions that, when executed by a computing system, cause the computing system to perform operations comprising:
receiving a selection for generating merchant-specific virtual credit cards associated with at least one payment card associated with a user;
generating a first reusable merchant-specific virtual card associated with a first merchant and a second reusable, merchant-specific virtual card associated with a second merchant, wherein the first reusable merchant-specific virtual card and the second reusable merchant-specific virtual card are linked to the at least one payment card and have merchant-specific virtual card numbers that are different than a card number of the at least one payment card;
storing, in at least one virtual card manager database, the first useable merchant-specific virtual card and the second reusable merchant-specific virtual card, wherein the at least one virtual card manager database is configured to provide reusable virtual cards for reuse with respective merchants;
in response to the user accessing a payment webpage of a website associated with the first merchant, selecting, from the at least one virtual card manager database, the first reusable merchant-specific virtual card generated for the first merchant;
automatically entering, via a web browser extension, information associated with the first reusable merchant-specific virtual card into a payment section of the payment webpage; and
submitting the information associated with the first reusable merchant-specific virtual card as a transaction request for a purchase of one or more items.
16 . The non-transitory computer-readable medium of claim 15 , wherein the operations further comprise:
displaying, via the web browser extension, a list of reusable merchant-specific virtual cards associated with a user account.
17 . The non-transitory computer-readable medium of claim 15 , wherein the operations further comprise:
displaying, via the web browser extension, a request for authentication credentials identifying the user; and
receiving, via the web browser extension, the authentication credentials identifying the user.
18 . The non-transitory computer-readable medium of claim 15 , wherein the operations further comprise:
in response to the user accessing the website, automatically enabling an interactive window, wherein the interactive window includes personalized information associated with the user.
19 . The non-transitory computer-readable medium of claim 15 , wherein the operations further comprise:
displaying an interactive window that includes the information associated with the first reusable merchant-specific virtual card.
20 . The non-transitory computer-readable medium of claim 15 , wherein the operations further comprise:
displaying, via the web browser extension, the first reusable merchant-specific virtual card and at least one indication that it is linked to the at least one payment card.