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公开(公告)号：US11520925B1
公开(公告)日：2022-12-06
申请号：US16908246
申请日：2020-06-22
发明人： Daniel S. Sumner , Hemesh Yadav
摘要： Techniques are described that eliminate storage of primary account numbers (PANs) by third-party cloud applications executed in external networks. An example method includes receiving a query from an external network that includes a card reference number (CRN) and converting the CRN into a primary account number (PAN). The method includes modifying the query to include the PAN in place of the CRN and performing a service call to retrieve a record responsive to the query from a master account database using the PAN. The method includes, when the record includes the PAN, converting the PAN into the CRN via the tokenization server. Additionally, the method includes adding the record with the CRN to a query response and transmitting the query response to the external network.
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公开(公告)号：US11087297B1
公开(公告)日：2021-08-10
申请号：US16724053
申请日：2019-12-20
摘要： Methods and systems for completing financial operations via a contactless automated teller machine are disclosed. An ATM includes a network interface circuit enabling the ATM to exchange information over a network, an input/output device configured to exchange data with a input/output device of a mobile device, and an ATM circuit. The ATM circuit receives an ATM transaction request via a short-range wireless communication between the mobile device and the input/output device. The ATM transaction request includes authentication information associated with a user of the mobile device. The ATM circuit transmits the ATM transaction request to the network for approval and receives an approval message from a financial institution computing system indicating that the user is authorized to create financial operation requests. The ATM circuit completes a financial operation request created by the user by dispensing an amount of a currency or displaying requested account information.
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公开(公告)号：US10706400B1
公开(公告)日：2020-07-07
申请号：US15818557
申请日：2017-11-20
IPC分类号： G06Q20/18 , G06Q20/40 , G06Q20/10 , G06Q20/36 , G06Q20/38 , H04L9/08 , G06Q20/32 , G07F19/00
摘要： An automated teller machine (“ATM”) is associated with a financial institution (FI). The ATM includes a network interface circuit (“NFC”) enabling the ATM to exchange information over a network, an input/output device configured to exchange data with a mobile wallet circuit on a mobile device associated with a customer, and a processing circuit communicably engaged to the network interface circuit and the input/output circuit. The processing circuit includes a processor and a memory, the memory structured to store instructions that are executable by the processor. The instructions cause the processing circuit to receive, by the input/output device; a payment token from the mobile wallet circuit; determine whether the payment token is associated with the FI; in response to determining that the payment token is associated with the FI, detokenize the payment token to identify an customer account; and process an ATM transaction using the customer account.
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公开(公告)号：US10535047B1
公开(公告)日：2020-01-14
申请号：US15351767
申请日：2016-11-15
摘要： Methods and systems for completing financial operations via a contactless automated teller machine are disclosed. A financial institution computing system includes a network interface circuit exchanging information over a network, a customer database retrievably storing financial information relating to a plurality of customers, and a data exchange circuit. The data exchange circuit receives a financial operation request. The financial operation request is generated by an automated teller machine in response to a payment token received from a mobile wallet circuit on a mobile device. The data exchange circuit authorizes the financial operation request based on information in the customer database.
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