-
公开(公告)号：US12223476B2
公开(公告)日：2025-02-11
申请号：US18536954
申请日：2023-12-12
Applicant: First Data Corporation
Inventor： Vijay Royyuru , Sridher Swaminathan
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 application for the user to simply push the button to request that the payment source be imported into a pay wallet or a merchant. 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 a gateway, authorizes a token service provider to provision the payment source into the pay wallet or merchant.
-
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
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
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.
-
Patent Agency Ranking
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
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
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：US20180053167A1
公开(公告)日：2018-02-22
申请号：US15803103
申请日：2017-11-03
Applicant: First Data Corporation
Inventor： Vijay Royyuru
CPC classification number: G06Q20/20 , G06Q20/00 , G06Q20/3674 , G06Q20/382 , G06Q20/4012 , G06Q30/06
Abstract: Methods and systems are disclosed for executing financial transactions between customers and merchants. An identifier of a financial account is received from the customer at a merchant system. A one-time password is also received from the customer at the merchant system, with the customer having been provided with the one-time password by a mobile electronic device or contactless presentation instrument. A cryptogram is generated to include the identifier of the financial account encrypted using the one-time password. An authorization request is formulated at the merchant system. The authorization request includes the cryptogram and transaction information describing at least a portion of the financial transaction. The authorization request is transmitted from the merchant system to an authorization processor for authorization of the financial transaction.
-
公开(公告)号：US11887080B2
公开(公告)日：2024-01-30
申请号：US17324541
申请日：2021-05-19
Applicant: First Data Corporation
Inventor： Vijay Royyuru , Sridher Swaminathan
CPC classification number: G06Q20/102 , G06Q20/027 , G06Q20/363
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 application for the user to simply push the button to request that the payment source be imported into a pay wallet or a merchant. 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 a gateway, authorizes a token service provider to provision the payment source into the pay wallet or merchant.
-
-
-
-
-
-
-
Search Results
8
records
(took 0.014 seconds)
