SYSTEMS AND METHODS FOR PROVISIONING TRANSACTION DATA TO MOBILE COMMUNICATIONS DEVICES

• US 20150348024A1
• Filed: 06/02/2014
• Published: 12/03/2015
• Est. Priority Date: 06/02/2014
• Status: Abandoned Application

• Current Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Deliwala, Manish K., Asokan, Sandeep K., Bailey, Michael J., Buselmeier, Joe, Mehta, Chintan, Narsipur, Keshav A., Thulaseedharan Pillai, Manoj K.
• Application Number:
  US14/293,864
• Publication Number:
  US 20150348024A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/3272 using an audio code
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G06Q 2220/00 Business processing using cryptography postage metering system using cryptography G06Q2250/05
• CPC Class Codes: H04L 9/50 using hash chains, e.g. blockchains or hash trees

Abstract

The system comprises approving a credit application during a single http session, transmitting an encoded secure token to a web-client participating in the http session, receiving from the mobile communications device the secure token, and transmitting the transaction account data to the mobile communications device, in response to the receiving the secure token. The system may further comprise the mobile communications device decoding the secure token.

Claims

1. A method comprising:

transmitting, by a transaction account computer-based system, an encoded secure token to a web-client, in response to approving a credit application, wherein the credit application is submitted during an http session;

receiving, by the computer-based system and from a mobile communications device, a secure token, wherein the encoded secure token is decoded to obtain the secure token; and

transmitting, by the computer-based system, the transaction account data to the mobile communications device, in response to the receiving the secure token.

2. The method of claim 1, further comprising receiving, by the computer-based system, the secure token decoded by the mobile communications device.

3. The method of claim 1, further comprising encoding, by the computer-based system, the secure token for transmission to the web-client.

4. The method of claim 1, further comprising validating, by the computer-based system, the secure token received from the mobile communications device.

5. The method of claim 1, further comprising comparing, by the computer-based system, the secure token received from the mobile communications device to the secure token transmitted to the web-client to validate the mobile communications device.

6. The method of claim 4, further comprising transmitting, by the computer-based system, the transaction account data to the mobile communications device, in response to the validating the mobile communications device.

7. The method of claim 1, wherein the mobile communications device is configured to store the transaction account data for presentation to a point of sale terminal during a transaction request.

8. The method of claim 1, wherein the encoded secure token is in a QR code.

9. The method of claim 1, wherein the mobile communications device scans the encoded secure token.

10. The method of claim 1, wherein the mobile communications device decodes the encoded secure token to create the secure token.

11. The method of claim 1, wherein the web-client participates in the http session and submits the credit application.

12. A method comprising:

acquiring, by a mobile communications device, an encoded secure token;

decoding, by the mobile communications device, the encoded secure token to obtain a secure token;

transmitting, by the mobile communications device, the secure token to a transaction account issuer system;

receiving, by the mobile communications device, transaction account information to facilitate conducting a contactless payment transaction, in response to the transmitting.

13. The method of claim 12, wherein the encoded secure token is obtained in response to a credit application approval, wherein the credit application is submitted during an http session.

14. The method of claim 12, wherein the secure token is validated by the transaction account issuer system.

15. A system comprising:

a tangible, non-transitory memory communicating with a transaction account processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations;

a transmission module in communication with the processor and configured to transmit an encoded secure token to a web-client, in response to approving a credit application, wherein the credit application is submitted during an http session;

a receiving module in communication with the processor and configured to receive, from a mobile communications device, a secure token, wherein the encoded secure token is decoded to obtain the secure token; and

the transmission module further configured to transmit the transaction account data to the mobile communications device, in response to the receiving the secure token.

16. The system of claim 15, wherein the receiving module is further configured to receive the secure token decoded by the mobile communications device.

17. The system of claim 15, further comprising an encoding module in communication with the processor and configured to encode the secure token for display by the web-client.

18. The system of claim 15, further comprising a validation module in communication with the processor and configured to validate the secure token received from the mobile communications device.

19. The system of claim 15, further comprising a comparison module in communication with the processor and configured to compare the secure token received from the mobile communications device to the secure token transmitted to the web-client to validate the mobile communications device.

20. The system of claim 15, wherein the mobile communications device is configured to store the transaction account data for presentation to a point of sale terminal during a transaction request.