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公开(公告)号：US20240265087A1
公开(公告)日：2024-08-08
申请号：US18569094
申请日：2022-06-22
发明人： Jalpesh Chitalia , Manoj Kannembath , Amit Kumar Gupta , Charmaine Han Wen Chan , Manjush Gopinatha Menon
IPC分类号： G06F21/44
CPC分类号： G06F21/44
摘要： A method includes a computer receiving a request to conduct an interaction from a mobile device. The computer obtains a computer address and provides the computer address to the mobile device. The mobile device provides an access request to the computer address, and the access request is thereafter routed to an identity provider computer. The identity provider computer identifies identity data associated with the mobile device or a user of the mobile device. The computer obtains the identity data or a derivative of the identity data from the identity provider computer. The computer determines if the identity data or the derivative of the identity data matches previously stored identity data or a previously stored derivative of identity data. If a match is determined, the computer provides a list of user device identifiers to the mobile device.
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公开(公告)号：US11720893B2
公开(公告)日：2023-08-08
申请号：US17349708
申请日：2021-06-16
IPC分类号： G06Q20/38 , G06K7/14 , G06Q20/32 , G06Q20/40 , G06Q30/0251
CPC分类号： G06Q20/385 , G06K7/1417 , G06Q20/3276 , G06Q20/4018 , G06Q20/382 , G06Q20/3821 , G06Q20/401 , G06Q30/0253
摘要： Embodiments of the present invention relate to systems and methods that allow users to use their communication devices to perform transactions (e.g., payment transactions, access transactions, etc.). To complete a transaction, a resource provider electronically generates a code representing transaction data and displays it on an access device. The user scans the code with his or her communication device using a camera associated with the communication device, for example. The code is interpreted by an application on the communication device. The user may request and receive a token at the communication device corresponding to sensitive information selected to perform the transaction (e.g., a primary account number). The user may then provide the token and the transaction data via the communication device to a server computer, which may facilitate completion of the transaction between the user and the resource provider using the transaction data and the token.
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公开(公告)号：US11049101B2
公开(公告)日：2021-06-29
申请号：US15927754
申请日：2018-03-21
发明人： Ansar Ansari , Marco Huerta , Thomas Purves , Kevin Carvalho , Jalpesh Chitalia , Amit Gupta , Sang Wook Lee , Barbara Patterson , Manoj Kannembath , Samuel Blake Shrauger
摘要： Embodiments of the invention are directed to systems and methods of providing secure remote transaction (SRT) transactions. In some embodiments, upon selection of a checkout element, a user may be identified with respect to a transaction to be completed. A number of accounts may then be identified in relation to that user. Upon selection of a particular account, the user may be authenticated using a facilitator application installed on a mobile computing device that supports authentication for the selected account. In some embodiments, the system may involve the use of a transaction-specific token generated upon receiving an authentication indicator from the facilitator application.
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公开(公告)号：US10243958B2
公开(公告)日：2019-03-26
申请号：US15402095
申请日：2017-01-09
发明人： Madhuri Chandoor , Jalpesh Chitalia , Gueorgui Petkov , Mohamed Nosseir , Parveen Bansal , Thomas Bellenger , Simon Law
摘要： Techniques for provisioning access data may include receiving, by a first application installed on a communication device, user input selecting an account to provision to a second application installed on the communication device. The first application may invoke the second application and send a session identifier (ID) to the second application. The second application may send a user ID associated with the second application, a device ID, and the session ID to the first application. The first application may then generate encrypted provisioning request data and send the encrypted provisioning request data to the second application. The second application may send the encrypted provisioning request data to a remote server computer to request access data that can be used to access a resource. The second application may receive the access data provided by the remote server computer based on validation of the encrypted provisioning request data.
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公开(公告)号：US12126614B2
公开(公告)日：2024-10-22
申请号：US17764123
申请日：2020-11-12
发明人： Jalpesh Chitalia , Gavin Shenker , Manoj Kannembath , Amit Gupta
CPC分类号： H04L63/083 , H04L63/08 , H04L63/0861 , H04L9/08 , H04L9/32 , H04L9/40
摘要： A method includes receiving, by a universal authentication application from a resource provider computer, a user credential verification request message comprising a user identifier, server computer data, and interaction data for an interaction. The universal authentication application transmits the user credential verification request message to a browser that invokes the authenticator to verify biometric information of a user. The universal authentication application receives a user credential verification response message from the authenticator. The user credential verification response message includes signed interaction data. The universal authentication application sends the user credential verification response message to the resource provider computer. The resource provider computer provides at least the signed interaction data to a plurality of server computers to retrieve a plurality of portable device credentials respectively associated with the plurality of server computers.
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公开(公告)号：US11080696B2
公开(公告)日：2021-08-03
申请号：US15421891
申请日：2017-02-01
摘要： Embodiments of the present invention relate to systems and methods that allow users to use their communication devices to perform transactions (e.g., payment transactions, access transactions, etc.). To complete a transaction, a resource provider electronically generates a code representing transaction data and displays it on an access device. The user scans the code with his or her communication device using a camera associated with the communication device, for example. The code is interpreted by an application on the communication device. The user may request and receive a token at the communication device corresponding to sensitive information selected to perform the transaction (e.g., a primary account number). The user may then provide the token and the transaction data via the communication device to a server computer, which may facilitate completion of the transaction between the user and the resource provider using the transaction data and the token.
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公开(公告)号：US10922672B2
公开(公告)日：2021-02-16
申请号：US15431235
申请日：2017-02-13
发明人： Jalpesh Chitalia , Ansar Ansari
摘要： According to some embodiments of the invention, an authentication method is provided. Transaction data for a transaction is received at a communication device from an access device or a resource provider. The transaction data comprises a location of the access device. A location of the communication device is determined by the communication device. It is determined whether a distance between the location of the access device and the location of the communication device is within a predetermined threshold. The transaction is not authorized if the distance between the location of the access device and the location of the communication device is not within a predetermined threshold.
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公开(公告)号：US10911456B2
公开(公告)日：2021-02-02
申请号：US16268377
申请日：2019-02-05
发明人： Madhuri Chandoor , Jalpesh Chitalia , Gueorgui Petkov , Mohamed Nosseir , Parveen Bansal , Thomas Bellenger , Simon Law
摘要： Techniques for provisioning access data may include receiving, by a first application installed on a communication device, user input selecting an account to provision to a second application installed on the communication device. The first application may invoke the second application and send a session identifier (ID) to the second application. The second application may send a user ID associated with the second application, a device ID, and the session ID to the first application. The first application may then generate encrypted provisioning request data and send the encrypted provisioning request data to the second application. The second application may send the encrypted provisioning request data to a remote server computer to request access data that can be used to access a resource. The second application may receive the access data provided by the remote server computer based on validation of the encrypted provisioning request data.
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公开(公告)号：US10255456B2
公开(公告)日：2019-04-09
申请号：US14867947
申请日：2015-09-28
发明人： Abhishek Guglani , Sanjeev Sharma , Jalpesh Chitalia , Gerald Destremps , Upendra Mardikar , Minghua Xu , Jose Luis Rios Trevino , Brijendra Singh
摘要： Embodiments of the invention are directed to methods, systems and devices for providing sensitive user data to a mobile device using an encryption key. For example, a mobile application on a mobile device may receive encrypted sensitive user data from a mobile application server, where the user sensitive data is encrypted with a key from a token server computer. The mobile application may then request that the encrypted payment information be sent to the token server. The mobile device may then receive a payment token associated with the payment information from the token server.
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公开(公告)号：US11989719B2
公开(公告)日：2024-05-21
申请号：US17707751
申请日：2022-03-29
发明人： Jalpesh Chitalia , Thomas Purves , Ansar Ansari , Vishwanath Shastry , Otto Williams , Kevin Carvalho , Madhuri Chandoor , Amit Gupta , Manoj Kannembath , Samuel Blake Shrauger
CPC分类号： G06Q20/36 , G06Q20/20 , G06Q20/3674 , G06Q20/40145
摘要： Embodiments of the invention are directed to systems and methods that enable authentication of a user via an authentication application that is different than a wallet application that is being used to process a transaction. The wallet application may contain payment devices and/additional wallet applications.
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