Systems and methods for token and transaction management

Patent metadata

Field	Value
Publication number	US-10878406-B2
Application number	US-201816220924-A
Country	US
Kind code	B2
Filing date	Dec 14, 2018
Priority date	Dec 14, 2018
Publication date	Dec 29, 2020
Grant date	Dec 29, 2020

Abstract

Systems and methods for token and transaction management are disclosed. According to one embodiment, in an issuer wallet server comprising at least one computer processor, a method for token and transaction management may include: (1) receiving a update for an attribute for a Device WalletID or an issuer wallet application executed by an electronic device; (2) providing the update to the issuer wallet application; (3) providing the update to a third party wallet server associated with a third party wallet application executed by the electronic device, wherein the third party wallet server communicates the update to the third party wallet application; and (4) updating the attribute in the Device WalletID.

First claim

What is claimed is:

1. A method for token and transaction management, comprising:
in an issuer wallet server comprising at least one computer processor, the issuer wallet server storing a DeviceWalletID, the DeviceWalletID having a plurality of attributes:
receiving an update for one of the attributes of the Device WalletID;
providing the update to an issuer wallet application executed by a mobile electronic device;
providing the update to a third party wallet server associated with a third party wallet application executed by the mobile electronic device, wherein the third party wallet server communicates the update to the third party wallet application; and
updating the attribute in the Device WalletID stored at the issuer wallet server.

2. The method of claim 1 , wherein the attribute specifies a suppression state for a feature of the issuer wallet application or the third party wallet application.

3. The method of claim 2 , wherein the suppression state specifies suppression of NFC communication.

4. The method of claim 1 , wherein the attribute comprises a partner attribute, a device-level wallet attribute, or a token level attribute.

5. The method of claim 4 , wherein the partner attribute identifies the third party wallet application.

6. The method of claim 4 , wherein the device-level wallet attribute identifies a wallet binding state.

7. The method of claim 4 , wherein the device-level wallet attribute specifies a user preference for a feature of the issuer wallet application or the third party wallet application.

8. The method of claim 7 , wherein the user preference comprises a show preference for the feature.

9. The method of claim 4 , wherein the token level attribute comprises a token wallet characteristic that identifies a linkage between the issuer wallet application and the third party wallet application.

10. The method of claim 1 , wherein the update is received from an issuer backend.

11. The method of claim 1 , wherein the update is received from the issuer wallet application.

12. The method of claim 1 , wherein the issuer wallet server pushes the update to the issuer wallet application.

13. The method of claim 1 , wherein the issuer wallet server provides the update to the third party wallet server using an API.

14. The method of claim 1 , wherein the issuer wallet application communicates the update to the third party wallet application using application-to-application communication.

15. A system for token and transaction management, comprising:
an issuer wallet application executed by a mobile electronic device; and
an issuer wallet server comprising at least one computer processor, wherein the issuer wallet server stores a Device WalletID for an issuer wallet, the Device WalletID comprising a plurality of attributes;
wherein:
the issuer wallet server receives an update for one of the attributes in the Device WalletID;
the issuer wallet server provides the update to the issuer wallet application;
the issuer wallet server provides the update to a third party wallet server associated with a third party wallet application executed by the mobile electronic device, wherein the third party wallet server communicates the update to the third party wallet application; and
the issuer wallet server updates the attribute in the Device WalletID stored at the issuer wallet server.

16. The system of claim 15 , wherein the attribute specifies a suppression state for a feature of the issuer wallet application or the third party wallet application.

17. The system of claim 15 , wherein the attribute comprises a partner attribute, a device-level wallet attribute, or a token level attribute.

18. The system of claim 17 , wherein the device-level wallet attribute identifies a wallet binding state.

19. The system of claim 17 , wherein the token level attribute comprises a token wallet characteristic that identifies a linkage between the issuer wallet application and the third party wallet application.

20. The system of claim 15 , wherein the issuer wallet server provides the update to the third party wallet server using an API.

Assignees

• Jpmorgan Chase Bank Na

Inventors

• Dao Tuan
• Spector Howard
• Vudathu Raghuram
• Jeon Yunchul Bryan
• Dissanayake Rajitha
• Mathur Sunil

Classifications

• G06Q20/0855

  involving a third party · CPC title

• G06Q20/36 Primary

  using electronic wallets or electronic money safes · CPC title

• G06Q10/067 Primary

  Enterprise or organisation modelling · CPC title