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公开(公告)号：US12045228B2
公开(公告)日：2024-07-23
申请号：US17525770
申请日：2021-11-12
Applicant: First Data Corporation
Inventor： Vijay K. Royyuru , Lanny Byers , Cindy White , Charles R. Williams
CPC classification number: G06F16/2379 , G06F16/256 , G06F16/27
Abstract: Systems and methods are provided for a decentralized distributed ledger that hosts a directory service for customer aliases to facilitate obtaining customer account details. Aspects of the present disclosure may include receiving a request to execute a transaction, wherein the request includes identification information associated with a particular user, transmitting a communication to the database of the existing distributed ledger, wherein the second communication includes a request for an identity of a contributing entity that previously contributed user data associated with the particular user to the database, and wherein the request for the identity of the contributing entity includes an alias associated with the particular user, receiving the identity of the contributing entity, executing a request for account information for the particular user from the contributing entity, wherein the request for account information is transmitted to the contributing entity, receiving account information associated with the particular user, and executing the transaction using the account information.
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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.
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公开(公告)号：US20220067036A1
公开(公告)日：2022-03-03
申请号：US17525770
申请日：2021-11-12
Applicant: First Data Corporation
Inventor： Vijay K. Royyuru , Lanny Byers , Cindy White , Charles R. Williams
Abstract: Systems and methods are provided for a decentralized distributed ledger that hosts a directory service for customer aliases to facilitate obtaining customer account details. Aspects of the present disclosure may include receiving a request to execute a transaction, wherein the request includes identification information associated with a particular user, transmitting a communication to the database of the existing distributed ledger, wherein the second communication includes a request for an identity of a contributing entity that previously contributed user data associated with the particular user to the database, and wherein the request for the identity of the contributing entity includes an alias associated with the particular user, receiving the identity of the contributing entity, executing a request for account information for the particular user from the contributing entity, wherein the request for account information is transmitted to the contributing entity, receiving account information associated with the particular user, and executing the transaction using the account information.
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公开(公告)号：US20200027116A1
公开(公告)日：2020-01-23
申请号：US16517313
申请日：2019-07-19
Applicant: First Data Corporation
Inventor： Vijay K. Royyuru , Lanny Byers , David Farris , Shawn Kretschmer , Cindy White , Skyler Fox , April Ross
IPC: G06Q30/02
Abstract: Embodiments described herein provide methods and systems for making reward point account balances liquid for the customer. In traditional systems, reward points issued to customers in their reward point accounts have limited redemption options. Embodiments discussed herein allow a user to provision their reward point account into a digital wallet. The user can then use the reward points to purchase goods and services using their reward point account as a payment source via the digital wallet. The result is that the reward point account balance becomes a liquid asset for the customer to use to purchase any goods and/or services at any merchant that accepts payments from a digital wallet. Further, due to real-time point conversion at the time of the transaction, the available point balance is always up-to-date for use through any access method available to the user.
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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.
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Patent Agency Ranking
公开(公告)号：US11204914B2
公开(公告)日：2021-12-21
申请号：US16597532
申请日：2019-10-09
Applicant: First Data Corporation
Inventor： Vijay K. Royyuru , Lanny Byers , Cindy White , Charles R. Williams
Abstract: Systems and methods are provided for a decentralized distributed ledger that hosts a directory service for customer aliases to facilitate obtaining customer account details. Aspects of the present disclosure may include receiving a request to execute a transaction, wherein the request includes identification information associated with a particular user, transmitting a communication to the database of the existing distributed ledger, wherein the second communication includes a request for an identity of a contributing entity that previously contributed user data associated with the particular user to the database, and wherein the request for the identity of the contributing entity includes an alias associated with the particular user, receiving the identity of the contributing entity, executing a request for account information for the particular user from the contributing entity, wherein the request for account information is transmitted to the contributing entity, receiving account information associated with the particular user, and executing the transaction using the account information.
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公开(公告)号：US20200027115A1
公开(公告)日：2020-01-23
申请号：US16517191
申请日：2019-07-19
Applicant: First Data Corporation
Inventor： Vijay K. Royyuru , Lanny Byers , David Farris , Shawn Kretschmer , Cindy White , Skyler Fox , April Ross
Abstract: Embodiments described herein provide methods and systems for making reward point account balances liquid for the customer. In traditional systems, reward points issued to customers in their reward point accounts have limited redemption options. Embodiments discussed herein allow a user to provision their reward point account into a digital wallet. The user can then use the reward points to purchase goods and services using their reward point account as a payment source via the digital wallet. The result is that the reward point account balance becomes a liquid asset for the customer to use to purchase any goods and/or services at any merchant that accepts payments from a digital wallet. Further, due to real-time point conversion at the time of the transaction, the available point balance is always up-to-date for use through any access method available to the user.
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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.
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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.
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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.
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