公开(公告)号：US12045821B1

公开(公告)日：2024-07-23

申请号：US17657289

申请日：2022-03-30

Applicant: AMAZON TECHNOLOGIES, INC.

Inventor： Aneeta Bhattacharyya ,  Venkatraman Srinivasan ,  Smita Joshi

IPC: G06Q20/40 ,  G06Q20/06 ,  G06Q30/0601

CPC classification number: G06Q20/40145 ,  G06Q20/065 ,  G06Q20/40155 ,  G06Q30/0601

Abstract: A point-of-sale (POS) system may use biometric or other contactless techniques to determine tokenization data that attributes a transaction with a particular payment account for settlement. A first payment method specified by a user for use at the POS may be issued by a first bank that does not participate in tokenization. A second payment account associated with a different entity and issued by a second bank that does support tokenization is associated with the first payment method. The POS transaction completes, using a token associated with the second payment account. Another transaction then takes place in which the second bank charges the first bank for the amount of the completed transaction.

公开(公告)号：US11625725B1

公开(公告)日：2023-04-11

申请号：US16181160

申请日：2018-11-05

Applicant: AMAZON TECHNOLOGIES, INC.

Inventor： Jordan Tyler Williams ,  Sarath Geethakumar ,  Aneeta Bhattacharyya ,  Tamer Avci ,  Venkatraman Srinivasan ,  Sanjay Kumar Dash

IPC: G06Q20/40 ,  H04L29/06 ,  H04L9/40 ,  H04L9/32 ,  G06Q20/34 ,  G06Q20/38

Abstract: A biometric input device is used to obtain biometric data from a user. The biometric data is used to determine host card emulation (HCE) parameters that are associated with the user and are used to access a payment account. An interface device that is associated with the biometric input device receives the HCE parameters. The interface device includes a secure execution environment (SEE). A processor in the SEE decrypts and stores the HCE parameters in the memory of the SEE and executes an HCE instance. The HCE instance uses a communication interface to interact with a payment terminal using a contactless communication protocol. The interaction provides payment data to the payment terminal, which is then sent along a payment channel for processing. The HCE instance is then erased, and the SEE is then available for use by another user for another transaction using a different payment account.