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公开(公告)号：US12069176B2
公开(公告)日：2024-08-20
申请号：US17783610
申请日：2020-12-11
发明人： Raul Leyva , Pinesh Roy
CPC分类号： H04L9/3213 , H04L9/3073
摘要： A method is disclosed. The method includes transmitting, to a token service computer, a request message comprising a token requestor identifier associated with the token requestor and a service provider computer identifier associated with the service provider computer. The method also includes receiving a response message comprising the token and/or a cryptogram, generating an authorization request message comprising the token and the cryptogram, and transmitting the authorization request message to a processing computer in communication with a token service computer.
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公开(公告)号：US20210344672A1
公开(公告)日：2021-11-04
申请号：US17282375
申请日：2019-10-08
发明人： Kyle Joseph Drechsler , Christopher Jones , Gayathri Venkat , Gavin Shenker , Raul Leyva , Janardana Sarma , Phillip Lavender , Leila Movahedian , Pinesh Roy , Eduardo Lopez
摘要： Systems and methods are provided to enable a user to conduct a transaction using their credentials stored on a secure server computer (e.g., a computer associated with a partner such as another merchant) by merely presenting their authentication data at a physical location via an auxiliary device. An auxiliary device may be provided for interfacing with a partners backend server (e.g., the secure server computer). In some embodiments, biometric authentication may provide a mechanism for a true seamless and potentially frictionless (in the case of modalities that do not require physical contact) interaction. Payment can occur without any need for a card, phone, wearable, or any other user device as long as the auxiliary device is able to recognize the user and retrieve a credential that can be linked to that user.
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公开(公告)号：US20210209583A1
公开(公告)日：2021-07-08
申请号：US17207176
申请日：2021-03-19
发明人： Raul Leyva
摘要： One embodiment of the invention is directed to a method comprising, establishing, by a wallet server computer, a single sign-on link between a user bank account and a wallet application. The method further comprises receiving a transaction request message from a user, wherein the transaction request is for a transaction between the user and a merchant associated with the wallet application. The method further comprises sending sign-on data to an issuer computer using a secure authentication protocol and receiving a confirmation message from the issuer computer confirms initiation through the issuer application. The transaction is processed by the wallet server computer based on the confirmation message.
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公开(公告)号：US12028337B2
公开(公告)日：2024-07-02
申请号：US17282375
申请日：2019-10-08
发明人： Kyle Joseph Drechsler , Christopher Jones , Gayathri Venkat , Gavin Shenker , Raul Leyva , Janardana Sarma , Phillip Lavender , Leila Movahedian , Pinesh Roy , Eduardo Lopez
IPC分类号： H04L29/00 , G06Q20/02 , G06Q20/20 , G06Q20/38 , G06Q20/40 , H04L9/32 , H04L9/40 , G06Q20/32 , H04W12/06
CPC分类号： H04L63/0853 , G06Q20/02 , G06Q20/202 , G06Q20/3821 , G06Q20/3829 , G06Q20/385 , G06Q20/401 , G06Q20/40975 , H04L9/3213 , H04L63/0807 , H04L63/0838 , H04L63/0861 , G06Q20/204 , G06Q20/327 , H04W12/06
摘要： Systems and methods are provided to enable a user to conduct a transaction using their credentials stored on a secure server computer (e.g., a computer associated with a partner such as another merchant) by merely presenting their authentication data at a physical location via an auxiliary device. An auxiliary device may be provided for interfacing with a partners backend server (e.g., the secure server computer). In some embodiments, biometric authentication may provide a mechanism for a true seamless and potentially frictionless (in the case of modalities that do not require physical contact) interaction. Payment can occur without any need for a card, phone, wearable, or any other user device as long as the auxiliary device is able to recognize the user and retrieve a credential that can be linked to that user.
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公开(公告)号：US20220129470A1
公开(公告)日：2022-04-28
申请号：US17567852
申请日：2022-01-03
发明人： Thomas Purves , Raul Leyva , Alan Johnson , John C. Wang
IPC分类号： G06F16/2457 , G06Q20/36 , G06Q20/22
摘要： The CONVERGED MERCHANT PROCESSING APPARATUSES, METHODS AND SYSTEMS (“CMP”) facilitates the generation of user accounts with merchants. The user may be logged into an electronic wallet or issuer account, and may initiate an account generation process with a one-click mechanism. The CMP may provide information to the merchant in order to facilitate the generation of the account after receiving data from the electronic wallet or issuer.
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公开(公告)号：US20220376914A1
公开(公告)日：2022-11-24
申请号：US17783610
申请日：2020-12-11
发明人： Raul Leyva , Pinesh Roy
摘要： A method is disclosed. The method includes transmitting, to a token service computer, a request message comprising a token requestor identifier associated with the token requestor and a service provider computer identifier associated with the service provider computer. The method also includes receiving a response message comprising the token and/or a cryptogram, generating an authorization request message comprising the token and the cryptogram, and transmitting the authorization request message to a processing computer in communication with a token service computer.
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公开(公告)号：US10990965B2
公开(公告)日：2021-04-27
申请号：US14979279
申请日：2015-12-22
发明人： Raul Leyva
摘要： One embodiment of the invention is directed to a method comprising, establishing, by a wallet server computer, a single sign-on link between a user bank account and a wallet application. The method further comprises receiving a transaction request message from a user, wherein the transaction request is for a transaction between the user and a merchant associated with the wallet application. The method further comprises sending sign-on data to an issuer computer using a secure authentication protocol and receiving a confirmation message from the issuer computer confirms initiation through the issuer application. The transaction is processed by the wallet server computer based on the confirmation message.
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公开(公告)号：US20160232513A1
公开(公告)日：2016-08-11
申请号：US15017845
申请日：2016-02-08
发明人： Thomas Purves , Raul Leyva , Alan Johnson , John C. Wang
CPC分类号： G06F16/24573 , G06Q20/227 , G06Q20/36
摘要： The CONVERGED MERCHANT PROCESSING APPARATUSES, METHODS AND SYSTEMS (“CMP”) facilitates the generation of user accounts with merchants. The user may be logged into an electronic wallet or issuer account, and may initiate an account generation process with a one-click mechanism. The CMP may provide information to the merchant in order to facilitate the generation of the account after receiving data from the electronic wallet or issuer.
摘要翻译： “商业交易处理设备，方法和系统”（“CMP”）有助于与商家一起生成用户帐户。 用户可以登录到电子钱包或发行者帐户，并且可以利用一键机制来启动账户生成过程。 CMP可以向商家提供信息，以便在从电子钱包或发行者接收数据之后促进帐户的生成。
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公开(公告)号：US20240305628A1
公开(公告)日：2024-09-12
申请号：US18670201
申请日：2024-05-21
发明人： Kyle Joseph Drechsler , Christopher Jones , Gayathri Venkat , Gavin Shenker , Raul Leyva , Janardana Sarma , Phillip Lavender , Leila Movahedian , Pinesh Roy , Eduardo Lopez
CPC分类号： H04L63/0853 , G06Q20/02 , G06Q20/202 , G06Q20/3821 , G06Q20/3829 , G06Q20/385 , G06Q20/401 , G06Q20/40975 , H04L9/3213 , H04L63/0807 , H04L63/0838 , H04L63/0861 , G06Q20/204 , G06Q20/327 , H04W12/06
摘要： Systems and methods are provided to enable a user to conduct a transaction using their credentials stored on a secure server computer (e.g., a computer associated with a partner such as another merchant) by merely presenting their authentication data at a physical location via an auxiliary device. An auxiliary device may be provided for interfacing with a partner's backend server (e.g., the secure server computer). In some embodiments, biometric authentication may provide a mechanism for a true seamless and potentially frictionless (in the case of modalities that do not require physical contact) interaction. Payment can occur without any need for a card, phone, wearable, or any other user device as long as the auxiliary device is able to recognize the user and retrieve a credential that can be linked to that user.
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公开(公告)号：US11941008B2
公开(公告)日：2024-03-26
申请号：US17567852
申请日：2022-01-03
发明人： Thomas Purves , Raul Leyva , Alan Johnson , John C. Wang
IPC分类号： G06Q20/12 , G06F16/2457 , G06Q20/22 , G06Q20/36
CPC分类号： G06F16/24573 , G06Q20/227 , G06Q20/36
摘要： The CONVERGED MERCHANT PROCESSING APPARATUSES, METHODS AND SYSTEMS (“CMP”) facilitates the generation of user accounts with merchants. The user may be logged into an electronic wallet or issuer account, and may initiate an account generation process with a one-click mechanism. The CMP may provide information to the merchant in order to facilitate the generation of the account after receiving data from the electronic wallet or issuer.
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