US 12,223,502 B2
Instant digital issuance
Vijay Royyuru, Norristown, PA (US); Benjamin Rewis, Sr., Oakland, CA (US); Lanny Byers, Ridgfield, CT (US); Renee Goodheart, Midland Park, NJ (US); Cindy White, Hockessin, DE (US); Kelly Urban, Omaha, NE (US); and Skyler Fox, Park Ridge, NJ (US)
Assigned to FIRST DATA CORPORATION, Milwaukee, WI (US)
Filed by First Data Corporation, Coral Springs, FL (US)
Filed on Jun. 17, 2019, as Appl. No. 16/443,169.
Claims priority of provisional application 62/686,369, filed on Jun. 18, 2018.
Prior Publication US 2019/0385164 A1, Dec. 19, 2019
Int. Cl. G06Q 20/40 (2012.01)
CPC G06Q 20/401 (2013.01) [G06Q 2220/00 (2013.01); H04L 2209/56 (2013.01)] 21 Claims
OG exemplary drawing
 
1. One or more non-transitory computer-readable media comprising computer-readable instructions stored thereon that when executed by one or more processors causes the one or more processors to perform a process for provisioning instant digital access to a user payment source using a mobile device pay wallet comprising:
receiving, at a gateway encryption service, from an issuer mobile application server, user information for a user and account information for provisioning the user payment source;
transmitting, by the gateway encryption service, the user information and the account information to a gateway lookup service to request primary account number data for the user payment source from an issuing host platform;
receiving, at the gateway lookup service, from the issuing host platform, the primary account number data comprising an account number for the user payment source;
encrypting, by the gateway encryption service, the primary account number data to generate encrypted provision data by:
identifying a first set of encryption requirements associated with a token service provider, wherein the first set of encryption requirements include a type of encryption algorithm and a minimum length of an encryption key;
identifying, by the gateway encryption service, an encryption key from a plurality of encryption keys stored in a database using the primary account number data, the encryption key set with token service provider information;
identifying, by the gateway encryption service, a second set of encryption requirements for the mobile device pay wallet using wallet data from the mobile device pay wallet;
ensuring that the encryption key complies with the combination of the first set of encryption requirements and the second set of encryption requirements; and
applying the encryption key set by the token service provider to the primary account number data based on an encryption algorithm and a minimum length of the encryption key identified from the first set of encryption requirements;
transmitting, by the gateway encryption service, the encrypted provision data to the issuer mobile application server.