Patent ID: 11861592
Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 11:
12. A method comprising:
transmitting a card number to a personal computing device operated by a user;
causing a virtual chip card assigned to the card number to be installed on the personal computing device;
causing display of an image of the virtual chip card on a display screen of the personal computing device wherein the image comprises a name of the user, the card number for the virtual chip card, and an expiration date assigned to the virtual chip card;
enabling the user to make a purchase using the virtual chip card, wherein the enabling comprises running software installed on the personal computing device which configures the virtual chip card installed on the personal computing device to perform an authentication process;
generating data used to generate a physical card that corresponds to the virtual card and is associated with the account, wherein the generating the data used to generate the physical card comprises generating an appearance of the physical card based on an appearance of the virtual chip card displayed on the display screen of the personal computing device;
issuing the physical card and enabling the user to make a purchase using the physical card; and
collecting transactions submitted by the virtual chip card and the physical card over a period of time; and
generating a statement for the user over the period of time which includes information about the transactions and indicator values indicating whether the transactions were submitted from the virtual chip card or the physical card.