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公开(公告)号：US20190108514A1
公开(公告)日：2019-04-11
申请号：US15725630
申请日：2017-10-05
摘要： Provided are a system and method for distributing the digitization of a payment credential to an entity that does not have access to issuer master keys. In one example, the method includes receiving a personalization script for a payment credential, the personalization script generated by an issuer of the payment credential, generating tokenized payment information for the payment credential based on the received personalization script, wherein the tokenized payment information is generated by the digitization entity without having access to issuer master keys (IMKs) of the issuer of the payment credential, and transmitting the tokenized payment information for the payment credential to a digital wallet executing on a user device.
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公开(公告)号：US20180276657A1
公开(公告)日：2018-09-27
申请号：US15928605
申请日：2018-03-22
发明人： Jeehoon Joshua Cho , Sowmya Reddy Lakka , Gerardo Cardone , Matthew James Miller , Maurice David Liscia
CPC分类号： G06Q20/3674 , G06Q20/227 , G06Q20/3223 , G06Q20/3227 , G06Q20/327 , G06Q20/3578 , G06Q20/3672 , G06Q20/405
摘要： Disclosed are methods and systems for associating payment card credentials with a companion application. In an embodiment, a consumer's mobile device processor receives an instruction to launch a companion application, displays a companion application user interface, and receives selection of an option to obtain payment card credentials from at least one wallet application. The process also includes displaying a list of payment card accounts associated with the selected wallet application for association with the companion application, receiving a selection of at least one payment card account, transmitting payment account credentials of the selected payment account to a wallet server computer, receiving a companion token representing a digitization of the selected payment card account from the wallet server computer, and associating the companion token with the companion application.
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公开(公告)号：US11790351B2
公开(公告)日：2023-10-17
申请号：US18080465
申请日：2022-12-13
发明人： Jeehoon Joshua Cho , Sowmya Reddy Lakka , Gerardo Cardone , Matthew James Miller , Maurice David Liscia
CPC分类号： G06Q20/3674 , G06Q20/227 , G06Q20/229 , G06Q20/327 , G06Q20/3223 , G06Q20/3227 , G06Q20/3672 , G06Q20/405
摘要： Disclosed are methods and systems for provisioning payment card credentials to an Internet of Things (IoT) device that is associated with a companion application. In an embodiment, a mobile device processor displays a companion application user interface (UI) on a display screen, receives a user selection of an option to obtain payment card credentials from the companion application UI, displays a prompt for the user to provide user authentication data to the companion application, receives the user authentication data from a biometric sensor, and authenticates the user. The process next includes displaying a selection screen comprising one of an icon identifying the IoT device or an icon identifying the companion application and a list of payment card accounts, receiving a selection of a payment card account, transmitting payment account credentials of the selection to a wallet server computer, receiving a companion token from the wallet server computer, associating the companion token with the companion application, and transmitting the companion token to the IoT device associated with the companion application.
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公开(公告)号：US20230113739A1
公开(公告)日：2023-04-13
申请号：US18080465
申请日：2022-12-13
发明人： Jeehoon Joshua Cho , Sowmya Reddy Lakka , Gerardo Cardone , Matthew James Miller , Maurice David Liscia
摘要： Disclosed are methods and systems for provisioning payment card credentials to an Internet of Things (IoT) device that is associated with a companion application. In an embodiment, a mobile device processor displays a companion application user interface (UI) on a display screen, receives a user selection of an option to obtain payment card credentials from the companion application UI, displays a prompt for the user to provide user authentication data to the companion application, receives the user authentication data from a biometric sensor, and authenticates the user. The process next includes displaying a selection screen comprising one of an icon identifying the IoT device or an icon identifying the companion application and a list of payment card accounts, receiving a selection of a payment card account, transmitting payment account credentials of the selection to a wallet server computer, receiving a companion token from the wallet server computer, associating the companion token with the companion application, and transmitting the companion token to the IoT device associated with the companion application.
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5.发明申请公开(公告)号：US20170200155A1
公开(公告)日：2017-07-13
申请号：US15403796
申请日：2017-01-11
发明人： Pablo Fourez , Matthew James Miller
CPC分类号： G06Q20/3829 , G06Q20/223 , G06Q20/24 , G06Q20/3223 , G06Q20/34 , G06Q20/367 , G06Q20/3823 , G06Q20/385
摘要： Encrypted payment data messages are sent via a communication network. A payment data message is generated including a primary account number of the account associated with the sender device and a transaction amount. The payment data message is encrypted with a public key of the receiver device. The payment data message is transmitted to the receiving server via the communication network. The receiving server has a private key of the receiver device corresponding to the public key and a receiving account number for the account associated with the receiver device. A payment authorization is generated by the receiving server for processing by the transaction card payment network based on the primary account number of the account associated with the sender device, the transaction amount, and the receiving account number.
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公开(公告)号：US12008562B2
公开(公告)日：2024-06-11
申请号：US15725630
申请日：2017-10-05
CPC分类号： G06Q20/385 , G06Q20/36 , G06Q20/3672 , G06Q20/3674 , G06Q20/3829 , G06Q2220/00
摘要： Provided are a system and method for distributing the digitization of a payment credential to an entity that does not have access to issuer master keys. In one example, the method includes receiving a personalization script for a payment credential, the personalization script generated by an issuer of the payment credential, generating tokenized payment information for the payment credential based on the received personalization script, wherein the tokenized payment information is generated by the digitization entity without having access to issuer master keys (IMKs) of the issuer of the payment credential, and transmitting the tokenized payment information for the payment credential to a digital wallet executing on a user device.
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公开(公告)号：US10540550B2
公开(公告)日：2020-01-21
申请号：US15925218
申请日：2018-03-19
摘要： An augmented reality (AR) computing device for displaying computer-generated elements in augmented reality supported service activities is provided. The AR computing device is configured to scan a first location, using an AR display device, to capture location data including consumer data corresponding to one or more consumers and facial data associated with the one or more consumers. The AR computing device is also configured to select, using the AR display device, a first consumer of the one or more consumers, store the consumer data corresponding to the first consumer in a database, and receive AR data associated with the location data. The AR computing device is further configured to automatically display, using the AR display device, the AR data, receive an update for the AR data, automatically update the AR data in response to the received update, and display, using the AR display device, the updated AR data.
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公开(公告)号：US20180268219A1
公开(公告)日：2018-09-20
申请号：US15925218
申请日：2018-03-19
CPC分类号： G06K9/00671 , G06K9/00255 , G06Q30/0201 , G06T19/006
摘要： An augmented reality (AR) computing device for displaying computer-generated elements in augmented reality supported service activities is provided. The AR computing device is configured to scan a first location, using an AR display device, to capture location data including consumer data corresponding to one or more consumers and facial data associated with the one or more consumers. The AR computing device is also configured to select, using the AR display device, a first consumer of the one or more consumers, store the consumer data corresponding to the first consumer in a database, and receive AR data associated with the location data. The AR computing device is further configured to automatically display, using the AR display device, the AR data, receive an update for the AR data, automatically update the AR data in response to the received update, and display, using the AR display device, the updated AR data.
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公开(公告)号：US20230419305A1
公开(公告)日：2023-12-28
申请号：US18463541
申请日：2023-09-08
发明人： Jeehoon Joshua Cho , Sowmya Reddy Lakka , Gerardo Cardone , Matthew James Miller , Maurice David Liscia
CPC分类号： G06Q20/3674 , G06Q20/3227 , G06Q20/3223 , G06Q20/327 , G06Q20/3672 , G06Q20/227 , G06Q20/405 , G06Q20/229
摘要： Methods and systems for managing payment card credentials provisioned to an Internet of Things (IoT) device via a companion application. A mobile device processor of a consumer mobile device launches a wallet application, displays a wallet application user interface on a touch screen that includes a card management option, receives selection of the card management option, and displays a device list that includes a plurality of icons representing IoT devices. The mobile device processor receives selection of an icon and then displays a payment card representation, payment card information, and card management options including a suspend card option and a delete card option. After receiving a selection of a card management option the mobile device processor transmits instructions to the IoT device to one of delete or suspend the payment card credentials.
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公开(公告)号：US11544703B2
公开(公告)日：2023-01-03
申请号：US15928605
申请日：2018-03-22
发明人： Jeehoon Joshua Cho , Sowmya Reddy Lakka , Gerardo Cardone , Matthew James Miller , Maurice David Liscia
摘要： Disclosed are methods and systems for associating payment card credentials with a companion application. In an embodiment, a consumer's mobile device processor receives an instruction to launch a companion application, displays a companion application user interface, and receives selection of an option to obtain payment card credentials from at least one wallet application. The process also includes displaying a list of payment card accounts associated with the selected wallet application for association with the companion application, receiving a selection of at least one payment card account, transmitting payment account credentials of the selected payment account to a wallet server computer, receiving a companion token representing a digitization of the selected payment card account from the wallet server computer, and associating the companion token with the companion application.
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