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US 12,223,476 B2Granted
Instant digital issuance
AssigneeFirst Data Corporation
InventorsVijay Royyuru, Sridher Swaminathan
Life of this patent
Estimating the term…
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 application for the user to simply push the button to request that the payment source be imported into a pay wallet or a merchant. 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 a gateway, authorizes a token service provider to provision the payment source into the pay wallet or merchant.
Claims20
A non-transitory computer-readable medium comprising computer-readable instructions stored thereon that when executed by at least one first processor associated with a gateway and at least one second processor associated with a software development kit for provisioning a payment source cause the at least one first processor and the at least one second processor to:
- receive, by the gateway, a first request from an issuer application on behalf of a cardholder for a list of entities comprising merchants or pay wallets that are eligible to receive the payment source;
- send, by the gateway, the list of entities to the issuer application for display to the cardholder for selection of an entity from the list of entities;
- receive, by the software development kit and from the issuer application, the selected entity;
- prepare, by the software development kit, pass-through data for sending to the issuer application to request provisioning of the payment source to the selected entity;
- receive, by the gateway, a second request from the issuer application in response to sending the list of entities to the issuer application, wherein the second request comprises the pass-through data, an asset identifier associated with the selected entity, and user data associated with the cardholder;
- prepare and transmit, by the gateway, a response to the issuer application upon receiving the second request, wherein depending upon a type of a token service provider or the selected entity, the response comprises (a) an encrypted payload obtained by encrypting, by the gateway, at least the entity identifier and the user data;
- or (b) a receipt identifier;
- receive, by the software development kit, the response from the issuer application;
- send, by the software development kit, the response to an entity application associated with the selected entity;
- and
- send, by the software development kit, a message to the issuer application for display to the cardholder indicating whether the provisioning of the payment source was successful, the message based on a reply to the response.
8 more elements
A system comprising:
- at least one memory comprising computer-readable instructions stored thereon;
- and
- at least one first processor associated with a gateway and at least one second processor associated with a software development kit to provision a payment source, wherein the at least one first processor and the at least one second processor executes the computer-readable instructions to:
- receive, by the gateway, a first request from an issuer application on behalf of a cardholder for a list of entities comprising merchants or pay wallets that are eligible to receive the payment source;
- send, by the gateway, the list of entities to the issuer application for display to the cardholder for selection of an entity from the list of entities;
- receive, by the software development kit and from the issuer application, the selected entity;
- prepare, by the software development kit, pass-through data for sending to the issuer application to request provisioning of the payment source to the selected entity;
- receive, by the gateway, a second request from the issuer application in response to sending the list of entities to the issuer application, wherein the second request comprises the pass-through data, an asset identifier associated with the selected entity, and user data associated with the cardholder;
- prepare and transmit, by the gateway, a response to the issuer application upon receiving the second request, wherein depending upon a type of a token service provider or the selected entity, the response comprises (a) an encrypted payload obtained by encrypting, by the gateway, at least the entity identifier and the user data;
- or (b) a receipt identifier;
- receive, by the software development kit, the response from the issuer application;
- send, by the software development kit, the response to an entity application associated with the selected entity;
- and
- send, by the software development kit, a message to the issuer application for display to the cardholder indicating whether the provisioning of the payment source was successful, the message based on a reply to the response.
11 more elements
A method comprising:
- receiving, by at least one first processor associated with a gateway and at least one second processor associated with a software development kit for provisioning a payment source and executing computer-readable instructions stored on at least one memory, a first request from an issuer application on behalf of a cardholder for a list of entities comprising merchants or pay wallets that are eligible for receiving the payment source;
- sending, by the gateway, the list of entities to the issuer application for display to the cardholder for selection of an entity from the list of entities;
- receiving, by the software development kit and from the issuer application, the selected entity;
- preparing, by the software development kit, pass-through data for sending to the issuer application to request provisioning of the payment source to the selected entity;
- receiving, by the gateway, a second request from the issuer application in response to sending the list of entities to the issuer application, wherein the second request comprises the pass-through data, an asset identifier associated with the selected entity, and user data associated with the cardholder;
- preparing and transmitting, by the gateway, a response to the issuer application upon receiving the second request, wherein depending upon a type of a token service provider or the selected entity, the response comprises (a) an encrypted payload obtained by encrypting, by the gateway, at least the entity identifier and the user data;
- or (b) a receipt identifier;
- receiving, by the software development kit, the response from the issuer application;
- sending, by the software development kit, the response to an entity application associated with the selected entity;
- and
- sending, by the software development kit, a message to the issuer application for display to the cardholder indicating whether the provisioning of the payment source was successful, the message based on a reply to the response.
8 more elements
Dependencies are inferred from the claim text.