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

Claim 5:
6. An apparatus, comprising:
one or more servers;
a network connection connected to the one or more servers enabling communication to the internet;
the one or more servers comprising one or more electronic processing units, the one or more electronic processing units connected to at least one computer readable storage medium, the at least one computer readable storage medium storing instructions that when executed, cause the one or more servers to:
receive a request to open a virtual chip card for a user;
approve the request for the virtual chip card;
generate a card number for the virtual chip card which is associated with an account of the user;
transmit the card number for the virtual chip card to a personal computing device operated by the user and cause the virtual chip card to be installed on the personal computing device;
cause a 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;
enable the user to make a purchase using the virtual chip card, wherein the processor is configured to run software installed on the personal computing device which configures the virtual chip card installed on the personal computing device to perform an authentication process;
generate data used to generate a physical card that corresponds to the virtual card and which is also associated with the account of the user, 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;
issue the physical card and enable the user to make a purchase using the physical card;
generate a statement for the account and indicating whether a charge was incurred using the virtual chip card or the physical card.