公开(公告)号：US12008548B2

公开(公告)日：2024-06-11

申请号：US16432623

申请日：2019-06-05

申请人： JPMORGAN CHASE BANK, N.A.

发明人： Howard Spector ,  Eric L. Connolly ,  David Christopher Carey ,  Gayathri Sundar ,  Raghuram Vudathu ,  Ankur Kulshreshtha ,  Ishank Paharia ,  Pavan Mummareddi ,  Benjamin Brandt ,  Mervin Majella Felix ,  Ajith Chandran Karuvathil ,  Arun Neelan ,  Rajeeva Chandra Nagarakanti ,  Venkata Kunam

IPC分类号： G06Q20/36 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/40 ,  H04L9/08 ,  H04L9/32

CPC分类号： G06Q20/3674 ,  G06Q20/322 ,  G06Q20/385 ,  G06Q20/4097 ,  H04L9/0891 ,  H04L9/3247 ,  H04L9/3263

摘要： Systems and methods for using a cryptogram lockbox are disclosed. In one embodiment, in a merchant-specific cryptogram lockbox comprising at least one computer processor, a method for generating a cryptogram locally using a cryptogram lockbox may include: (1) receiving, from merchant backend, a request for a cryptogram comprising an account identifier received from a customer in a transaction; (2) generating a cryptogram for the account identifier using a limited use key for the account identifier; and (3) returning the cryptogram to the merchant backend. The merchant may conduct the transaction using the cryptogram.