Jpmorgan Chase Bank, N.a.

Eric L Connolly

Howard Spector

Ayman A Hammad

Tuan Q Dao

Michael Naggar

John D Moore

Nancy E Hiebler

Gayathri Sundar

Raghuram Vudathu

David Christopher Carey

Pavan Mummareddi

Benjamin Brandt

Ishank Paharia

Mervin Majella Felix

Ankur Kulshreshtha

Ajith Chandran Karuvathil

Arun Neelan

Rajeeva Chandra Nagarakanti

Venkata Kunam

Venkat Maranani

Venkata Maranani

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

Systems and methods for mobile wallet payments are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for conducting a payment using an electronic wallet may include: (1) a mobile application receiving a selection of an alternate payment currency; the mobile application receiving a payment payload from an issuer; the mobile application providing the selection of the alternate payment currency and an identifier to the issuer; and the mobile application providing the payment payload and the identifier to a merchant host. The merchant host may communicate the identifier to the issuer, and the issuer may identify selection of the alternate payment currency based on the identifier.

Systems and methods for mobile wallet payments

Growing community of inventors

Avondale, PA, United States of America

Eric L Connolly