The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jun. 14, 2022
Filed:
Mar. 02, 2020
Wells Fargo Bank, N.a., San Francisco, CA (US);
Stephen M. Ellis, Tahoe City, CA (US);
Michael J. Kennedy, San Francisco, CA (US);
Ashish Bhoopen Kurani, Hillsborough, CA (US);
Melissa Lowry, San Francisco, CA (US);
Uma Meyyappan, Fremont, CA (US);
Bipin Sahni, Pleasanton, CA (US);
Nikolai Stroke, Gilbert, AZ (US);
Wells Fargo Bank, N.A., San Francisco, CA (US);
Abstract
A computer-implemented method includes receiving, by a recipient bank computer system, a previously used token from a point of sale (POS) device, the previously used token identifying a previous transaction as transferring funds to a merchant from a payor associated with the recipient bank computer system. The method also includes transmitting, by the recipient bank computer system, the previously used token to a messaging hub computer system. The method also includes receiving, by the recipient bank computer system, at least one of a card number or a payment credential, from the messaging hub computer system, the at least one of the card number or the payment credential associated with the previous transaction. The method also includes processing, by the recipient bank computer system, a refund using the at least one of the card number or the payment credential.