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. 11, 2024
Filed:
Jun. 05, 2019
Jpmorgan Chase Bank, N.a., New York, NY (US);
Howard Spector, Woolwich, NJ (US);
Eric L. Connolly, Avondale, PA (US);
David Christopher Carey, Middletown, DE (US);
Gayathri Sundar, Irving, TX (US);
Raghuram Vudathu, Downington, PA (US);
Ankur Kulshreshtha, Newark, DE (US);
Ishank Paharia, Newark, DE (US);
Pavan Mummareddi, Newark, DE (US);
Benjamin Brandt, Philadelphia, PA (US);
Mervin Majella Felix, Newark, DE (US);
Ajith Chandran Karuvathil, West Chester, PA (US);
Arun Neelan, Chadds Ford, PA (US);
Rajeeva Chandra Nagarakanti, Chadds Ford, PA (US);
Venkata Kunam, Newark, DE (US);
JPMORGAN CHASE BANK , N.A., New York, NY (US);
Abstract
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.