Patent · US Active

Instant digital issuance

US12223502B2 · kind B2 · utility

0Cited by

5References

21Claims

0Family size

Assignee

FIRST DATA CORPORATION · US

Inventors

Vijay K. Royyuru · Norristown, US
Benjamin Rewis · Oakland, US
Lanny Byers · Ridgefield, US
Renee Goodheart · Midland Park, US
Cindy White · Hockessin, US
Kelly Urban · Omaha, US
Skyler Fox · Park Ridge, US

Key dates

Filing date	Jun 17, 2019
Grant date	Feb 11, 2025
Priority date	—
Expiry date	Jun 17, 2039

Classification

Technology area (CPC H)Electricity
CPC primaryH04W12/043
WIPO fieldDigital communication
WIPO sectorElectrical engineering

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.

Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.