Royal Bank of Canada

Arnold Badal-Badalian

Edison U Ortiz

Seung Bong Baek

Ravi Khandavilli

Terry W Lee

Marko Pavlovic

Iustina-Miruna Vintila

Ambica Pawan Khandavilli

Nikhil Singh Shekhawat

Rasha Khayat

Justin Simonelis

David Ian Mckay

Adel Al Nabulsi

Christoph Knoess

Syed Ahmar Imam

Benoit Germain

William Kwok Hung Cheung

Ming Li Liu

A computer system and method for populating electronic payment credentials is provided. The system comprises at least one processor and a memory storing instructions which when executed by the processor configure the processor to perform the method. The method comprises receiving a browser extension activation input, sending a payment details request message to a financial institution system, receiving payment details from the financial institution system following authentication at a mobile device, and populating a payment form on the browser using the payment details. Dynamic credentials are provided by the financial institution system and combined with pre-populated tokenized credentials during automatic entry into the payment form.

System and method for secure web service access control

A computer system and method for populating electronic payment credentials is provided. The system comprises at least one processor and a memory storing instructions which when executed by the processor configure the processor to perform the method. The method comprises receiving a browser extension activation input, sending a payment details request message to a financial institution system, receiving payment details from the financial institution system following authentication at a mobile device, and populating a payment form on the browser using the payment details.

Systems and methods for secure communication of data packets are described using a communications gateway and protocol. One or more payment generator devices utilize trusted execution environments to store identity attestation parameters which are then utilized during registration and/or validation of device identity at the gateway for secure transmission of secure data, including, for example, payment data.

Protocol and gateway for communicating secure transaction data

A system for secure data communications for streamlined electronic transaction processing is described in some embodiments that is adapted to adaptively handle a new transaction request from a user from a portable device through a web interface, which may be accessed, for example, through a web browser or through a mobile application residing on the user's portable device. The adaptation can include a dynamically set device binding and/or fingerprint data payload, which can be automatically updated in certain situations to account for feature drift, avoiding issues associated with stale bindings.

Systems and methods for secure data communications for streamlined electronic transaction processing

Systems, devices, methods, and non-transient machine-interpretable programming and/or other instruction products for the generation, transfer, storage, and other processing of secure data sets used in electronic payment transactions, including particularly the secure creation, administration, manipulation, processing, and storage of electronic data useful in processing of pre-funded, pre-paid, and/or otherwise pre-authorized payment transactions. Devices and methods in accordance with the disclosure can be used to create pre-funded payment token data sets, the token data sets comprising secure data items or records representing negotiable monetary or other economic value, and to share them between network communication devices such as smart phones, home or business desktop computers, etc., for use in purchases and other transactions.

Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments

Systems, methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions. Aspects of such methods, systems, and data structures include providing at an electronic device, an output indicating that a dynamically-configured electronic token is in a transaction-ready state, where the dynamically-configured electronic token is associated with a plurality of loyalty accounts; in response to one or more signals providing information regarding a location of the electronic device, obtaining token data associated with a loyalty account of the plurality of loyalty accounts corresponding to the location of the electronic device; and via a data communication interface, route a token, generated from the token data, for processing at a transaction processing system.

System and method for location-based token transaction processing

Systems, methods, and computer readable media are directed in various embodiments for providing multiuser sessions for coordinated electronic transactions. A technical solution is directed to coordinating the electronic transactions across a plurality of instances, where the underlying users of the instances can include at least two users. Access to sensitive information can be restricted using a trusted execution environment and access can be given in accordance with the coordinated electronic transactions.

System and method for multi-user session for coordinated electronic transactions

A system for secure identity data tokenization and processing, the system adapted to receive a loan provisioning request from a merchant computing device associated with an individual and to receive, from a secure identity verification computing device, a secure identity token data object attesting to an identity of the individual. A secure identity token data object is processed to verify the identity of the individual and to initiate a loan origination process. A request for an electronic transaction to be paid or partially paid using funds represented in the dynamic card token data object associated with the unique loan identifier data value and a a payment package data object is generated to encapsulate a tokenized representation of a dynamic card data object associated with the dynamic card token data object, an electronic representation of the funds to be provided from the dynamic card token data object.

Secure identity data tokenization and processing

A computational approach is proposed herein for controlling a user interface for rendering of interactive graphical control elements representing offers and coupons that are inserted into a computational payment process. In particular, the offers and coupons can interact with stored payment information resident (or tokens thereof) on a digital wallet data structure. The approach can be implemented as a computing system, a computing method operable on a computing system, or a computer program product affixed in the form of a non-transitory computer readable medium storing machine-interpretable instructions.

System and method for loading secure data in multiparty secure computing environment

Systems, devices, methods, and non-transient machine-interpretable programming and/or other instruction products for the generation, transfer, storage, and other processing of secure data setsused in electronic payment transactions, including particularly the secure creation, administration, manipulation, processing, and storage of electronic data useful in processing of pre-funded, pre-paid, and/or otherwise pre-authorized payment transactions. Devicesand methods in accordance with the disclosure can be used to create pre-funded payment token data sets, the token data sets comprising secure data items or records representing negotiable monetary or other economic value, and to share them between network communication devicessuch as smart phones, home or business desktop computers, etc., for use in purchases and other transactions.

Growing community of inventors

Toronto, Canada

Arnold Badal-Badalian