Systems and methods for providing a code to a user device

Patent metadata

Field	Value
Publication number	US-12099995-B2
Application number	US-202318135631-A
Country	US
Kind code	B2
Filing date	Apr 17, 2023
Priority date	Apr 22, 2016
Publication date	Sep 24, 2024
Grant date	Sep 24, 2024

Abstract

A method includes receiving, by a provider computing system from an initiating device, an encrypted network return address of an user device that identifies a network address of the user device; receiving, by the provider computing system and from the user device, an encryption key configured to decrypt the encrypted network return address; decrypting, by the provider computing system, the encrypted network return address using the encryption key; and providing, by the provider computing system, a code to the user device based on the decrypted network return address by transmitting the code to the user device without going through the initiating device.

First claim

What is claimed is:

1. A method comprising:
receiving, by a provider computing system from an initiating device, an encrypted network return address of an user device that identifies a network address of the user device;
receiving, by the provider computing system and from the user device, an encryption key configured to decrypt the encrypted network return address;
decrypting, by the provider computing system, the encrypted network return address using the encryption key; and
providing, by the provider computing system, a code to the user device based on the decrypted network return address by transmitting the code to the user device without going through the initiating device.

2. The method of claim 1 , wherein the code comprises at least one of a digital token associated with sensitive information configured for interpretation by an authorized computing system or a digital code configured for utilization as a payment credential.

3. The method of claim 1 , wherein the code is associated with a primary account number of a payment account associated with a user of the user device.

4. The method of claim 3 , wherein the payment account comprises a credit card or debit card account, and wherein the code comprises a sixteen digit number configured for utilization in place of an original sixteen digit number of the credit card or the debit card.

5. The method of claim 1 , further comprising authorizing the code for use in a mobile wallet transaction.

6. The method of claim 1 , wherein the code is sent directly to the user device without going through the initiating device.

7. The method of claim 1 , wherein the encrypted network return address of the user device is received by the provider computing system based on a short-range communication of the encrypted network return address from the user device associated with the user device to the initiating device so that the encrypted network return address is encrypted prior to being received by the initiating device.

8. The method of claim 1 , wherein the initiating device and the user device are separate and distinct from each other.

9. A provider computing system, comprising:
a network interface circuit enabling the provider computing system to exchange information over a network; and
a circuit coupled to the network interface circuit and configured to:
receive, from an initiating device, an encrypted network return address of an user device that identifies a network address of the user device;
receive, from the user device, an encryption key configured to decrypt the encrypted network return address;
decrypt the encrypted network return address using the encryption key; and
provide a code to the user device based on the decrypted network return address by transmitting the code to the user device without going through the initiating device.

10. The provider computing system of claim 9 , wherein the code comprises at least one of a digital token associated with sensitive information configured for interpretation by an authorized computing system or a digital code configured for utilization as a payment credential.

11. The provider computing system of claim 9 , wherein the code is associated with a primary account number of a payment account associated with a user of the user device.

12. The provider computing system of claim 11 , wherein the payment account comprises a credit card or debit card account, and wherein the code comprises a sixteen digit number configured for utilization in place of an original sixteen digit number of the credit card or the debit card.

13. The provider computing system of claim 9 , wherein the circuit is further configured to authorize the code for use in a mobile wallet transaction.

14. The provider computing system of claim 9 , wherein the code is sent directly to the user device without going through the initiating device.

15. The provider computing system of claim 9 , wherein the encrypted network return address of the user device is received by the provider computing system based on a short-range communication of the encrypted network return address from the user device associated with the user device to the initiating device so that the encrypted network return address is encrypted prior to being received by the initiating device.

16. The provider computing system of claim 9 , wherein the initiating device and the user device are separate and distinct from each other.

17. A non-transitory computer-readable medium storing instructions that, when executed by one or more processors cause operations comprising:
receiving, from an initiating device, an encrypted network return address of an user device that identifies a network address of the user device;
receiving, from the user device, an encryption key configured to decrypt the encrypted network return address;
decrypting the encrypted network return address using the encryption key; and
providing a code to the user device based on the decrypted network return address by transmitting the code to the user device without going through the initiating device.

18. The non-transitory computer-readable medium of claim 17 , wherein the code comprises at least one of a digital token associated with sensitive information configured for interpretation by an authorized computing system or a digital code configured for utilization as a payment credential.

19. The non-transitory computer-readable medium of claim 17 , wherein the code is associated with a primary account number of a payment account associated with a user of the user device.

20. The non-transitory computer-readable medium of claim 19 , wherein the payment account comprises a credit card or debit card account, and wherein the code comprises a sixteen digit number configured for utilization in place of an original sixteen digit number of the credit card or the debit card.

Assignees

• Wells Fargo Bank Na

Inventors

• Ho Peter
• Kurani Ashish B
• Pearce Brian M
• Puffer Steven E

Classifications

• G06Q20/4014

  Identity check for transactions · CPC title

• G06Q20/3674

  involving authentication · CPC title

• G06Q20/3223

  Realising banking transactions through M-devices · CPC title

• G06Q20/227

  characterised in that multiple accounts are available, e.g. to the payer · CPC title

• G06Q20/108

  Remote banking, e.g. home banking · CPC title