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公开(公告)号：US12131323B2
公开(公告)日：2024-10-29
申请号：US17277970
申请日：2019-09-20
CPC分类号： G06Q20/401 , G06Q20/045 , G06Q20/38
摘要： Disclosed are methods and systems for enabling an assertion to be provided to a relying entity that is associated with a discount or digital coupon for an item in a transaction. The assertion may indicate an interaction by a user device with a digital indicator associated with the item and/or a resource provider offering the item. The assertion may be associated with a user and redeemed at a later time to apply a discount for an item involved in a transaction. The assertion may indicate an interaction with a digital indicator at one location for an item and redeemed at another location, including an online transaction, for the same item.
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公开(公告)号：US12126614B2
公开(公告)日：2024-10-22
申请号：US17764123
申请日：2020-11-12
发明人： Jalpesh Chitalia , Gavin Shenker , Manoj Kannembath , Amit Gupta
CPC分类号： H04L63/083 , H04L63/08 , H04L63/0861 , H04L9/08 , H04L9/32 , H04L9/40
摘要： A method includes receiving, by a universal authentication application from a resource provider computer, a user credential verification request message comprising a user identifier, server computer data, and interaction data for an interaction. The universal authentication application transmits the user credential verification request message to a browser that invokes the authenticator to verify biometric information of a user. The universal authentication application receives a user credential verification response message from the authenticator. The user credential verification response message includes signed interaction data. The universal authentication application sends the user credential verification response message to the resource provider computer. The resource provider computer provides at least the signed interaction data to a plurality of server computers to retrieve a plurality of portable device credentials respectively associated with the plurality of server computers.
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公开(公告)号：US12125017B2
公开(公告)日：2024-10-22
申请号：US18115225
申请日：2023-02-28
IPC分类号： G06Q20/22 , G06F3/01 , G06F3/04815 , G06F3/0482 , G06F3/04845 , G06Q20/30
CPC分类号： G06Q20/227 , G06F3/012 , G06F3/04815 , G06F3/0482 , G06F3/04845 , G06Q20/30
摘要： A computer-implemented method includes: receiving user identifying data; launching a virtual environment including an interactive graphical user interface configured to receive user selection inputs; in the virtual environment: receiving a first user selection input selecting an avatar corresponding to a payment device reward; associating the avatar and the payment device reward with the user; displaying payment device design components; receiving a second user selection input selecting a payment device design component; and associating the payment device design component with the user; and redirecting the user to an issuer system by communicating a payment device issuance request to generate and issue a payment device to the user, where the payment device issuance request contains at least one of the following: the user data, the first user selection input, the second user selection input, and/or any combination thereof.
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公开(公告)号：US12125012B2
公开(公告)日：2024-10-22
申请号：US17991516
申请日：2022-11-21
发明人： Naman Bansal , Pankaj Taneja
IPC分类号： G06Q30/00 , G06Q20/02 , G06Q20/20 , G06Q40/02 , H04L69/325
CPC分类号： G06Q20/202 , G06Q20/027 , G06Q20/204 , G06Q40/02 , H04L69/325
摘要： A computer-implemented method includes: installing a first message protocol on a transaction terminal based on a provider thereof; installing an adapter layer on the terminal, the adapter layer including a mapping from the first message protocol to a standard message protocol; reading payment data from a payment device, the payment data associated with a transaction; generating a message including the payment data according to the first message protocol; translating the message from the first message protocol to the standard message protocol with the adapter layer to form a transaction message; and communicating the transaction message to a transaction processing system.
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公开(公告)号：US12124843B2
公开(公告)日：2024-10-22
申请号：US17798817
申请日：2021-02-10
发明人： Yuexi Chen , Jennifer Astrein , Alexandre Pierre
CPC分类号： G06F8/70 , G06F9/44536
摘要： A method conducted using a mobile device is disclosed. The method includes maintaining a plurality of software modules, wherein each software module of the plurality of software modules is built and executed independently of other software modules. The mobile device receives first interaction initiation data corresponding to a first transaction. In response to receiving the first interaction initiation data, a first subset of the plurality of software modules is selected via an application interface to execute the first transaction. The mobile device receives second interaction initiation data corresponding to a second transaction. In response to receiving the second interaction initiation data, a second subset of the plurality of software modules to execute the second transaction is selected via the application interface. The first subset of the plurality of software modules is different than the second subset of the plurality of software modules.
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公开(公告)号：US20240348609A1
公开(公告)日：2024-10-17
申请号：US18675799
申请日：2024-05-28
IPC分类号： H04L9/40 , H04L45/00 , H04L61/50 , H04L67/01 , H04L67/303 , H04L67/50 , H04L101/35
CPC分类号： H04L63/0884 , H04L45/72 , H04L61/50 , H04L63/083 , H04L67/01 , H04L67/303 , H04L67/535 , H04L2101/35
摘要： A technique for embedding and utilizing credentials in a network address may include requesting a network address for a client device by providing an account identifier to a server computer associated with a service provider. A network address that is mapped to the account identifier can be assigned to the client device. The network address may include a routing prefix field and a network interface identifier field. The routing prefix field may include an issuer identifier of an issuer of the account, and the network interface identifier field may include an interface identifier that maps to the account identifier. By embedding credentials such as an account identifier in the network address, the actual account identifier need not be transmitted to perform actions on the account.
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公开(公告)号：US12120245B2
公开(公告)日：2024-10-15
申请号：US18241396
申请日：2023-09-01
发明人： Daniel Masny , Yilei Chen , Rouzbeh Behnia
CPC分类号： H04L9/3247 , H04L9/0825 , H04L9/3093
摘要： Improvements to post-quantum lattice-based digital signature schemes are disclosed. By sampling cryptographic material, including cryptographic key matrices and masking vectors from a uniform distribution, embodiments eliminate the need for a security check during generation of a digital signature vector. As a result, digital signatures can be generated faster and at a lower failure rate. A generating device can generate a verification matrix A and a secret matrix S from a uniform distribution, and an error matrix E from a special distribution (such as a Gaussian). The generating device can combine the three matrices to generate a public matrix Y. The first and the fourth matrices (A, Y) can be used as a public key used to verify digital signatures. The second and the third matrices (S, E) can be used as a private key used to generate digital signatures.
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公开(公告)号：US12120117B2
公开(公告)日：2024-10-15
申请号：US18457829
申请日：2023-08-29
发明人： Katharina Fuhrmann , Stephanie Zachariae , David Petch , Andrew Whitcombe , David William Wilson , Neil Hilton , Ramesh Shankar , Sayeed Mohammed
IPC分类号： H04L9/40
CPC分类号： H04L63/0884
摘要： A method and system for provisioning credentials is disclosed. The method includes receiving, by a token provider computer, a token request message from a token requestor computer that comprises an initial access identifier. The token provider computer transmits the initial access identifier to a first authorization computer, and then the token provider computer receives an intermediate access identifier. The token provider computer then transmits a token activation request message to a second authorization computer based at least in part on the intermediate access identifier. The token provider computer then receives a token activation response message from the second authorization computer. The token provider computer then provides the token to the token requestor computer.
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公开(公告)号：US12118555B2
公开(公告)日：2024-10-15
申请号：US17527260
申请日：2021-11-16
发明人： Okeoghene Duke Onovae , Rajat Das
CPC分类号： G06Q20/4015 , G06Q20/20 , G06Q20/407
摘要： Systems, methods, and computer program products may receive, from a merchant system, an authorization request associated with a transaction; communicate the authorization request to an issuer system and initiate a response timer associated with the transaction; in response to the response timer satisfying a predetermined response time amount without receiving, from the issuer system, an authorization response associated with the authorization request, determine an extended response time; and in response to receiving the authorization response from the issuer system before the response timer satisfies a sum of the extended response time amount and the predetermined response time amount, communicate, to the merchant system, the authorization response.
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公开(公告)号：US12112312B2
公开(公告)日：2024-10-08
申请号：US17885827
申请日：2022-08-11
CPC分类号： G06Q20/3226 , G06Q20/3223 , G06Q20/3263 , G06Q20/3265 , G06Q20/354
摘要： Provided herein are systems and methods for rapid activation of electronic payment devices with a mobile device. The method includes generating, with at least one processor, activation data corresponding to a non-activated electronic payment device issued to a user, storing, on an activation element associated with the electronic payment device, a unique identifier corresponding to the electronic payment device, receiving, with at least one processor, an activation request from a mobile device in response to the user scanning the activation element with the mobile device, the activation request comprising identification data associated with the user and the unique identifier, determining, with at least one processor, that the activation data matches the identification data, and, in response to determining that the activation data matches the identification data, activating the electronic payment device.
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