US 12,243,050 B2
Systems and methods for provisioning transaction data to mobile communications devices
Sandeep K. Asokan, Phoenix, AZ (US); Michael J. Bailey, Peoria, AZ (US); Joe Buselmeier, Phoenix, AZ (US); Manish K. Deliwala, Chandler, AZ (US); Chintan Mehta, Peoria, AZ (US); Keshav A. Narispur, Chandler, AZ (US); and Manoj K. Thulaseedharanpillai, Phoenix, AZ (US)
Assigned to American Express Travel Related Services Company, Inc., New York, NY (US)
Filed by American Express Travel Related Services Company, Inc., New York, NY (US)
Filed on Feb. 6, 2023, as Appl. No. 18/106,017.
Application 18/106,017 is a continuation of application No. 16/821,183, filed on Mar. 17, 2020, granted, now 11,599,877.
Application 16/821,183 is a continuation of application No. 14/293,864, filed on Jun. 2, 2014, abandoned.
Prior Publication US 2023/0186288 A1, Jun. 15, 2023
Int. Cl. G06Q 20/38 (2012.01); G06Q 20/32 (2012.01); G06Q 20/34 (2012.01); G06Q 20/36 (2012.01); G06Q 20/42 (2012.01)
CPC G06Q 20/3821 (2013.01) [G06Q 20/3272 (2013.01); G06Q 20/3274 (2013.01); G06Q 20/3276 (2013.01); G06Q 20/3552 (2013.01); G06Q 20/36 (2013.01); G06Q 20/425 (2013.01); G06Q 2220/00 (2013.01)] 9 Claims
OG exemplary drawing
 
1. A system, comprising:
a first computing device comprising a processor and a memory; and
at least one application stored in the memory of the first computing device that, when executed by the first computing device, causes the first computing device to:
in response to an application by a user being approved in a Hypertext Transfer Protocol (HTTP) session, generate a secure provisioning token indicating a creation of a transaction account for the user in a same HTTP session,
in the same HTTP session, encode the secure provisioning token as a quick response (QR) code, and
in the same HTTP session, transmit the secure provisioning token, encoded as the QR code, to a second computing device, wherein the QR code is displayed to the user; and
a client device associated with the user, the client device comprising a processor and a memory; and
at least one application stored in the memory of the client device that, when executed by the client device, causes the client device in the same HTTP session to:
capture the QR code,
decode the QR code to obtain the secure provisioning token,
send a request from the client device for transaction account data associated with the transaction account to the first computing device, the request comprising a client-provided token that is based on the QR code that is displayed to the user,
wherein in the same HTTP session, the first computing device is further configured to:
validate the client-provided token based on a determination that the client-provided token matches the secure provisioning token, and
transmit the transaction account data associated with the transaction account to the client device in response to validating the client-provided token, and
wherein the client device is further configured to:
provide the transaction account data to a point of sale terminal via a short-range wireless communication channel.