Granted Patent B2

US 12,430,635 · App. 14/975,235 · Granted Sep 30, 2025

Inventors: Manish K. Deliwala (Chandler, AZ); Rajesh K. Namboodiri (Phoenix, AZ); Keshav A. Narsipur (Chandler, AZ); Huei Ong (New York, NY); Santhosh R. Rao (Phoenix, AZ)

Assignee: American Express Travel Related Services Company, Inc.

G06Q20/36G06F16/90335G06Q20/385

Abstract

Claims (61)

1. A method comprising:

providing, by an issuer server, a list of available transaction accounts to be added to a digital wallet application;

in response to a user navigating to an add account interface, retrieving, by the issuer server, an alias of a transaction account from a network server;

determining, by an issuer application, that the transaction account is not associated with the digital wallet application based on a comparison of the alias with a list of transaction accounts corresponding to the digital wallet application;

in response to the determining that the transaction account is not associated with the digital wallet application, displaying, by the issuer application, an add interface for an account not in the digital wallet application;

receiving, by the issuer server, a message from the issuer application indicating a selection to add the transaction account to the digital wallet application;

receiving, by the issuer server, a plurality of validation inputs from the user to unlock an add feature, wherein the issuer server receives the plurality of validation inputs from the issuer application;

determining, by the issuer server, that one or more validation inputs of the plurality of validation inputs match respective expected validation values;

in response to the determining that the one or more validation inputs match the respective expected validation values, sending, by the issuer server, issuer signature criteria to the network server, wherein the issuer signature criteria comprises binary information identifying that the one or more validation inputs match the respective expected validation values;

generating, by the network server, an issuer signature using the issuer signature criteria;

verifying, by the network server, the issuer signature criteria;

transmitting, by the network server, the alias of the transaction account and the issuer signature to the issuer application; and

adding, by the issuer application, the transaction account to the digital wallet application.

2. The method of claim 1 , wherein the alias has a structure of a valid transaction account number and comprises a same number of characters for an issuing bank identifier, a check digit, and a same number of characters for a transaction account number corresponding to the transaction account.

3. The method of claim 1 , wherein the alias has a structure of a valid transaction account number and complies with criteria of a structure checking algorithm.

4. The method of claim 1 , wherein the alias comprises an on-file storable token, and the network server converts the alias into the transaction account number and the transaction account number into the alias.

5. The method of claim 1 , wherein the issuer application is provided by an issuer of the transaction account, and wherein the issuer application is different from the digital wallet application.

6. The method of claim 1 , wherein the plurality of validation inputs from the user comprises two or more of: a dynamic password, a movement, a user input, an account security code, a card security code, a social security number, a portion of a social security number, or biometric data.

7. The method of claim 1 , further comprising: providing, by the issuer server, a list of available transaction accounts to the digital wallet application.

8. A computer-based system, comprising:

a computing device;

a network server;

an issuer server comprising a processor; and

a tangible, non-transitory memory configured to communicate with the processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the issuer server to perform operations comprising:

providing, by the issuer server, a list of available transaction accounts to be added to a digital wallet application;

in response to a user navigating to an add account interface, retrieving, by the issuer server, an alias of a-transaction account from a network server;

determining, by the issuer application, that the transaction account is not associated with the digital wallet application based on a comparison of the alias with a list of transaction accounts corresponding to the digital wallet application;

in response to the determining that the transaction account is not associated with the digital wallet application, displaying, by an issuer application, an add interface for an account not in the digital wallet application;

receiving, by the issuer server, a message from the issuer application indicating a selection to add the transaction account to the digital wallet application;

receiving, by the issuer server, a plurality of validation inputs from the user to unlock an add feature, wherein the issuer server receives the plurality of validation inputs from the issuer application;

determining, by the issuer server, that one or more validation inputs of the plurality of validation inputs match respective expected validation values;

in response to the determining that the one or more validation inputs match the respective expected validation values, sending, by the issuer server, issuer signature criteria to the network server, wherein the issuer signature criteria comprises binary information identifying that the one or more validation inputs match the respective expected validation values;

generating, by the network server, an issuer signature using the issuer signature criteria;

verifying, by the network server, the issuer signature criteria;

transmitting, by the network server, the alias of the transaction account and the issuer signature to the issuer application; and

adding, by the issuer application, the transaction account to the digital wallet application.

9. The computer-based system of claim 8 , further comprising:

providing, by the issuer server, transaction account information and user information to the computing device for use in the issuer application.

10. The computer-based system of claim 8 , wherein a plurality of issuer applications maintained by a plurality of transaction account issuers interact with the network server.

11. The computer-based system of claim 8 , wherein the issuer application interacts with the issuer server by calling an application program interface (API) provided by a digital wallet implemented in the computing device.

12. The computer-based system of claim 8 , wherein the issuer application calls an application program interface (API) on the computing device using the issuer signature criteria and the alias.

13. The computer-based system of claim 8 , wherein the alias is converted into the transaction account number that accesses the transaction account.

14. The computer-based system of claim 8 , wherein the plurality of validation inputs from the user comprises two or more of: a dynamic password, a movement, a user input, an account security code, a card security code, a social security number, a portion of a social security number, or biometric data.

15. An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by an issuer server, cause the issuer server to perform operations comprising:

providing, by an issuer server, a list of available transaction accounts to be added to a digital wallet application;

in response to a user navigating to an add account interface, retrieving, by the issuer server, an alias of a transaction account from a network server;

determining, by the issuer application, that the transaction account is not associated with the digital wallet application based on a comparison of the alias with a list of transaction accounts corresponding to the digital wallet application;

in response to the determining that the transaction account is not associated with the digital wallet application, displaying by an issuer application an add interface for an account not in the digital wallet application;

receiving, by the issuer server, a message from the issuer application indicating a selection to add the transaction account to the digital wallet application;

receiving, by the issuer server, a plurality of validation inputs from the user to unlock an add feature, wherein the issuer server receives the plurality of validation inputs from the issuer application;

determining, by the issuer server, that one or more validation inputs of the plurality of validation inputs match respective expected validation values;

in response to the determining that the one or more validation inputs match the respective expected validation values, sending, by the issuer server, issuer signature criteria to the network server, wherein the issuer signature criteria comprises binary information identifying that the one or more validation inputs match the respective expected validation values;

generating, by the network server, an issuer signature using the issuer signature criteria;

verifying, by the network server, the issuer signature criteria;

transmitting, by the network server, the alias of the transaction account and the issuer signature to the issuer application; and

adding, by the issuer application, the transaction account to the digital wallet application.

16. The article of claim 15 , wherein the network server generates an issuer signature using the issuer signature criteria, wherein the issuer signature comprises a time bounded signature that is no longer valid after a predetermined duration.

17. The article of claim 16 , wherein the issuer signature is a unique session key.

18. The article of claim 15 , wherein the issuer application executed by the computing device queries a digital wallet on the computing device for a list of accounts in the digital wallet application.

19. The article of claim 15 , wherein the issuer application is provided by an issuer of a transaction account, and wherein the issuer application is different from the digital wallet application.

20. The article of claim 15 , wherein the plurality of validation inputs from the user comprises two or more of: a dynamic password, a movement, a user input, an account security code, a card security code, a social security number, a portion of a social security number, or biometric data.

Assignments (2)

Continuity (2)

References Cited (21)