Inter-entity Virtual Credential Generation Patent

ChangeBridge: Patent Grants - Business Methods (G06Q)

Published March 31st, 2026

Detected March 31st, 2026

Summary

USPTO granted Patent US12591658B2 to Capital One Services LLC on March 31, 2026. The patent covers methods and systems for generating virtual credentials mapped to physical card primary credentials in credential manager applications. The 20-claim patent names Xian Chen as inventor and was filed as Application No. 18508650.

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What changed

USPTO granted Patent US12591658B2 to Capital One Services LLC for inter-entity virtual credential generation technology. The patent describes methods where a device transmits a request for credential information to an interface system, receives primary credential data associated with a physical card, generates a virtual credential mapped to that primary credential, and causes activation of the virtual credential in the user's credential manager. The invention covers CPC classifications G06Q 20/204, G06Q 20/351, G06Q 20/355, G06Q 20/3552, and G06Q 20/36 related to financial transaction systems.

Patent grants are informational records and create no compliance obligations, deadlines, or penalties for regulated entities. Organizations developing payment or credential technologies may review this patent for prior art considerations or competitive intelligence purposes. No immediate regulatory action is required.

Source document (simplified)

← USPTO Patent Grants

Inter-entity virtual credential generation

Grant US12591658B2 Kind: B2 Mar 31, 2026

Assignee

Capital One Services, LLC

Inventors

Xian Chen

Abstract

In some implementations, a device, may transmit, to an interface system, a request for credential information associated with a user. The device may receive, responsive to the request, the credential information associated with the user, where the credential information indicates a primary credential associated with a physical card. The device may generate a virtual credential for the physical card, where the virtual credential is mapped to the primary credential associated with the physical card. The device may cause activation of the virtual credential in a credential manager associated with the user.