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.

公开(公告)号：US12125025B2

公开(公告)日：2024-10-22

申请号：US18323810

申请日：2023-05-25

申请人： JPMORGAN CHASE BANK, N.A.

发明人： Raghu Vudathu ,  Tuan Dao ,  Mervin Majella Felix

IPC分类号： G06Q20/36 ,  H04L9/06 ,  H04L9/08 ,  H04L9/32

CPC分类号： G06Q20/3672 ,  H04L9/0643 ,  H04L9/0866 ,  H04L9/3297

摘要： Systems and methods for using a device wallet identifier are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for generating a device wallet identifier may include: (1) receiving a wallet identifier for an electronic wallet or payment application executed by an electronic device; (2) retrieving an issuer identifier for a customer associated with the electronic wallet or payment application; (3) generating a device wallet identifier; and (4) storing a mapping of the device wallet identifier to the issuer identifier for the customer.

公开(公告)号：US11861595B2

公开(公告)日：2024-01-02

申请号：US16225547

申请日：2018-12-19

申请人： JPMorgan Chase Bank, N.A.

发明人： Raghuram Vudathu ,  Tuan Dao ,  Mervin Majella Felix

IPC分类号： G06Q20/36 ,  H04L9/06 ,  H04L9/08 ,  H04L9/32

CPC分类号： G06Q20/3672

摘要： Systems and methods for using a device wallet identifier are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for generating a device wallet identifier may include: (1) receiving a wallet identifier for an electronic wallet or payment application executed by an electronic device; (2) retrieving an issuer identifier for a customer associated with the electronic wallet or payment application; (3) generating a device wallet identifier; and (4) storing a mapping of the device wallet identifier to the issuer identifier for the customer.