US 11,836,710 B2
Systems and methods for facilitating payment application provisioning and transacting
Howard Spector, Woolwich, NJ (US); Scott H. Ouellette, Kingston, NH (US); Brian J. Smyth, West Chester, PA (US); Christina Sheppard, Mamaroneck, NY (US); Gavin C. Michael, New York, NY (US); Sih Lee, Northvale, NJ (US); Kelly Dempski, Berkeley, CA (US); Tim J. Parsey, Los Altos, CA (US); Andrew Sloper, Surbiton (GB); Ken Wimberely, San Rafael, CA (US); Laura X. Wang, New York, NY (US); and Shadman Zafar, Plano, TX (US)
Assigned to JPMORGAN CHASE BANK, N.A., New York, NY (US)
Filed by JPMORGAN CHASE BANK, N.A., New York, NY (US)
Filed on Dec. 2, 2020, as Appl. No. 17/110,242.
Application 17/110,242 is a continuation of application No. 15/131,979, filed on Apr. 18, 2016, granted, now 10,878,407.
Claims priority of provisional application 62/312,204, filed on Mar. 23, 2016.
Claims priority of provisional application 62/149,304, filed on Apr. 17, 2015.
Prior Publication US 2021/0081929 A1, Mar. 18, 2021
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/00 (2023.01); G06Q 20/36 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/367 (2013.01) [G06Q 20/405 (2013.01)] 12 Claims
OG exemplary drawing
 
1. A method for provisioning a token for a financial account of a user to a payment application executing on a mobile device of the user, comprising:
an issuer computer server receiving a request from an issuer computer application installed on a mobile electronic device of the user to provision the token for the financial account, wherein the request is in response to a prompting message from the payment application, wherein the request comprises an identification of the payment application, and a device identifier for the mobile electronic device, and an identifier of the financial account, wherein the prompting message is in response to the payment application:
detecting the installation of the issuer computer application on the mobile electronic device; and
if the installation is detected, causing the issuer computer application to launch; or
if the installation is not detected, prompting the user of the mobile electronic device to download and install the issuer computer application;
the issuer computer server receiving, from the issuer computer application installed on the mobile electronic device of the user, authentication information of the user provided by the user to the issuer computer application, wherein the user is a customer of the issuer;
the issuer computer server authenticating the user based on the authentication information of the user;
the issuer computer server provisioning the token for the payment application;
the issuer computer server providing the token for the payment application to the issuer computer application; and
the issuer computer application providing the token for the payment application to the payment application by secure application-to-application communication.