公开(公告)号：US11748744B2

公开(公告)日：2023-09-05

申请号：US16837718

申请日：2020-04-01

Applicant: First Data Corporation

Inventor： Vijay Royyuru ,  Renee Goodheart ,  Lanny Byers ,  Timothy Horton ,  Kathryn Whalen ,  Lixia Zhu

IPC: G06Q20/36 ,  G06Q20/38

CPC classification number: G06Q20/3674 ,  G06Q20/3672 ,  G06Q20/388

Abstract: A gateway encryption service is used to ensure consistent, source independent tokenization for payment accounts and synchronizing payment account information with merchants. A consistent, evergreen merchant-facing token is generated and used for each payment account for the merchant, ensuring that regardless of the payment method used by the customer (e.g., plastic card point-of-sale, pay wallet, saved card information) for the same underlying account, the merchant has a single token. Further, if the account number for the underlying payment account changes (e.g., the card expires or is stolen) the merchant-facing token remains consistent. The evergreen token ensures that the system functions more efficiently, saving resources in processing and storage and ensuring less network traffic for failed transactions. The system further implements encryption and security despite the consistent tokenization, further saving resources.

公开(公告)号：US20190385164A1

公开(公告)日：2019-12-19

申请号：US16443169

申请日：2019-06-17

Applicant: First Data Corporation

Inventor： Vijay Royyuru ,  Benjamin Rewis, SR. ,  Lanny Byers ,  Renee Goodheart ,  Cindy White ,  Kelly Urban ,  Skyler Fox

IPC: G06Q20/40 ,  H04L9/30

Abstract: Described herein are techniques for facilitating push provisioning of a user payment source into a user's digital wallet without the user having a physical card. The techniques allow an issuer to provide a button in an issuer's mobile application for the user to simply push the button to request that the payment source be imported into the user's digital pay wallet. In this way, the payment source information is “pushed” into the pay wallet. Using push provisioning, the user need not enter any physical card information. The described techniques generate a chain of trust that can be used to ensure that a user, through an issuer and using an encryption gateway, authorizes a token service provider to provision the payment source into the user's digital wallet.

公开(公告)号：US12223502B2

公开(公告)日：2025-02-11

申请号：US16443169

申请日：2019-06-17

Applicant: First Data Corporation

Inventor： Vijay Royyuru ,  Benjamin Rewis, Sr. ,  Lanny Byers ,  Renee Goodheart ,  Cindy White ,  Kelly Urban ,  Skyler Fox

IPC: G06Q20/40

Abstract: Described herein are techniques for facilitating push provisioning of a user payment source into a user's digital wallet without the user having a physical card. The techniques allow an issuer to provide a button in an issuer's mobile application for the user to simply push the button to request that the payment source be imported into the user's digital pay wallet. In this way, the payment source information is “pushed” into the pay wallet. Using push provisioning, the user need not enter any physical card information. The described techniques generate a chain of trust that can be used to ensure that a user, through an issuer and using an encryption gateway, authorizes a token service provider to provision the payment source into the user's digital wallet.

公开(公告)号：US20230351372A1

公开(公告)日：2023-11-02

申请号：US18348822

申请日：2023-07-07

Applicant: First Data Corporation

Inventor： Vijay Royyuru ,  Renee Goodheart ,  Lanny Byers ,  Timothy Horton ,  Kathryn Whalen ,  Lixia Zhu

IPC: G06Q20/36 ,  G06Q20/38

CPC classification number: G06Q20/3674 ,  G06Q20/388 ,  G06Q20/3672

Abstract: A gateway encryption service is used to ensure consistent, source independent tokenization for payment accounts and synchronizing payment account information with merchants. A consistent, evergreen merchant-facing token is generated and used for each payment account for the merchant, ensuring that regardless of the payment method used by the customer (e.g., plastic card point-of-sale, pay wallet, saved card information) for the same underlying account, the merchant has a single token. Further, if the account number for the underlying payment account changes (e.g., the card expires or is stolen) the merchant-facing token remains consistent. The evergreen token ensures that the system functions more efficiently, saving resources in processing and storage and ensuring less network traffic for failed transactions. The system further implements encryption and security despite the consistent tokenization, further saving resources.

公开(公告)号：US20200320516A1

公开(公告)日：2020-10-08

申请号：US16837718

申请日：2020-04-01

Applicant: First Data Corporation

Inventor： Vijay Royyuru ,  Renee Goodheart ,  Lanny Byers ,  Timothy Horton ,  Kathryn Whalen ,  Lixia Zhu

IPC: G06Q20/36 ,  G06Q20/38

Abstract: A gateway encryption service is used to ensure consistent, source independent tokenization for payment accounts and synchronizing payment account information with merchants. A consistent, evergreen merchant-facing token is generated and used for each payment account for the merchant, ensuring that regardless of the payment method used by the customer (e.g., plastic card point-of-sale, pay wallet, saved card information) for the same underlying account, the merchant has a single token. Further, if the account number for the underlying payment account changes (e.g., the card expires or is stolen) the merchant-facing token remains consistent. The evergreen token ensures that the system functions more efficiently, saving resources in processing and storage and ensuring less network traffic for failed transactions. The system further implements encryption and security despite the consistent tokenization, further saving resources.