Patent ID: 11941636
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 10:
11. A method, comprising:
executing, on a processor, instructions that cause the processor to perform operations that provision a virtual payment card to a web browser, the operations comprising:
requesting information about an individual from a primary cardholder in response to a request to add an individual as an authorized user to an account of the primary cardholder;
computing a risk score based on provided information;
determining that the risk score satisfies a predetermined threshold for further processing;
generating a virtual payment card linked to an account of the primary cardholder, wherein the virtual payment card is an electronic payment mechanism for online shopping purchases; and
initiating addition of the virtual payment card as a payment method to a browser profile of the individual, wherein the browser profile is stored on a network-accessible computing resource and employed to personalize a web browser.