Patent ID: 11900362
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A financial institution computing system, comprising:
a token database storing one or more merchant-specific tokens that are mapped to corresponding payment card accounts; and
a token management circuit of the financial institution computing system, in communication with a graphical user interface on a user device, the token management circuit:
detecting a first user selection, by a user via the graphical user interface, of a make-payment button which, when selected by the user, triggers a first electronic payment from a payment card account to a first merchant;
responsive to detecting the first user selection of the make-payment button by the user, generating a first one-time merchant-specific token for a first transaction with the first merchant and updating the token database to map the first one-time merchant-specific token to the payment card account;
displaying, in the graphical user interface, a list of merchants showing the one or more merchant-specific tokens that are each associated with a respective merchant of the list of merchants, wherein each merchant-specific token of the one or more merchant-specific tokens indicates a respective status of the merchant-specific token and comprises a respective button to change the respective status to enable or disable the merchant-specific token;
detecting, a second electronic payment to a second merchant included in the list of merchants, the second electronic payment performed using a second merchant-specific token of the one or more merchant-specific tokens that corresponds to the second merchant, the second merchant-specific token having a status that is one of enabled or disabled;
approving the second electronic payment responsive to determining that the status of the second merchant-specific token is enabled;
determining that a data breach occurred at a computing device of the second merchant;
in response to determining that the data breach occurred at the computing device of the second merchant, disabling the second merchant-specific token of the one or more merchant-specific tokens corresponding to the second merchant;
generating, in response to disabling the second merchant-specific token, a third merchant-specific token that corresponds to the second merchant and to the payment card account, wherein the third merchant-specific token is displayed in the graphical user interface in association with the second merchant as part of the list of merchants, and can only be used to conduct transactions with the second merchant;
updating personal information of the user in a customer database based on an update generated by the graphical user interface;
detecting a third electronic payment to the second merchant using the third merchant-specific token;
determining, upon detecting the third electronic payment, that the second merchant was involved in a previous payment transaction using at least one of the one or more merchant-specific tokens;
responsive to determining that the second merchant was involved in the previous payment transaction and that the status of the third merchant-specific token corresponding to the second merchant is enabled:
(i) transmitting the personal information to the computing device of the second merchant; and
(ii) approving the third electronic payment.