US 11,704,662 B2
Systems and methods for provisioning funding card numbers to third party wallets
Raghuram Vudathu, Downingtown, PA (US); Sridhar Aravamudhan, Middletown, DE (US); David Christopher Carey, Middletown, DE (US); Shruti K. Patel, New York, NY (US); and Janice Yoke Leng Wong, New York, NY (US)
Assigned to JPMORGAN CHASE BANK, N.A., New York, NY (US)
Filed by JPMORGAN CHASE BANK, N.A., New York, NY (US)
Filed on Feb. 10, 2020, as Appl. No. 16/786,812.
Prior Publication US 2021/0248596 A1, Aug. 12, 2021
Int. Cl. G06Q 20/36 (2012.01); G06Q 40/02 (2023.01); H04L 9/32 (2006.01); G06Q 20/12 (2012.01); G06Q 20/40 (2012.01); H04W 12/084 (2021.01); G06F 21/44 (2013.01); G06Q 20/38 (2012.01); G06Q 50/26 (2012.01); H04L 9/40 (2022.01)
CPC G06Q 20/3674 (2013.01) [G06Q 20/12 (2013.01); G06Q 20/40 (2013.01); G06Q 20/40975 (2013.01); G06Q 40/02 (2013.01); H04L 9/3213 (2013.01); H04W 12/084 (2021.01); G06F 21/445 (2013.01); G06Q 20/3672 (2013.01); G06Q 20/3829 (2013.01); G06Q 20/38215 (2013.01); G06Q 50/265 (2013.01); G06Q 2220/00 (2013.01); H04L 63/0435 (2013.01)] 8 Claims
OG exemplary drawing
 
1. A method for provisioning funding card numbers to merchant wallets, comprising:
in an issuer backend comprising at least one computer processor:
authenticating a customer using an electronic device accessing the issuer backend using a computer program;
receiving, from the customer, a request to provision an FPAN to a merchant wallet;
launching a frame in the computer program with a website for the merchant, wherein the customer logs in to the website for the merchant using the frame and the merchant website generates a session with the computer program and a corresponding session identifier for the session with the computer program;
receiving, from the merchant website, a login initiation;
generating, based on the login initiation, an access token;
generating a symmetric key using the access token;
receiving, from the merchant website, the session identifier;
validating the session identifier;
encrypting the FPAN using the symmetric key; and
communicating the encrypted FPAN to the merchant website.