Jpmorgan Chase Bank, N.a.

Arun Neelan

Howard Spector

Gayathri Sundar

David Christopher Carey

Raghuram Vudathu

Pavan Mummareddi

Benjamin Brandt

Mervin Majella Felix

Ishank Paharia

Eric L Connolly

Ankur Kulshreshtha

Ajith Chandran Karuvathil

Rajeeva Chandra Nagarakanti

Venkata Kunam

Systems and methods for using a cryptogram lockbox are disclosed. In one embodiment, in a merchant-specific cryptogram lockbox comprising at least one computer processor, a method for generating a cryptogram locally using a cryptogram lockbox may include: (1) receiving, from merchant backend, a request for a cryptogram comprising an account identifier received from a customer in a transaction; (2) generating a cryptogram for the account identifier using a limited use key for the account identifier; and (3) returning the cryptogram to the merchant backend. The merchant may conduct the transaction using the cryptogram.

Systems and methods for using a cryptogram lockbox

Growing community of inventors

Chadds Ford, PA, United States of America

Arun Neelan