US 12,254,473 B2
Systems, methods, and devices for integrating a first party service into a second party computer application
Scott H. Ouellette, Kingston, NH (US); Nasir Khan, San Ramon, CA (US); Robert M. Soulchin, King of Prussia, PA (US); Michael K. O'Leary, Garden City Park, NY (US); and Michael Naggar, Orinda, CA (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 Jul. 27, 2022, as Appl. No. 17/815,455.
Application 17/815,455 is a division of application No. 15/612,167, filed on Jun. 2, 2017, granted, now 11,429,971.
Claims priority of provisional application 62/345,390, filed on Jun. 3, 2016.
Prior Publication US 2022/0374900 A1, Nov. 24, 2022
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/38 (2012.01); G06Q 20/36 (2012.01)
CPC G06Q 20/4014 (2013.01) [G06Q 20/382 (2013.01); G06Q 20/36 (2013.01); G06Q 2220/123 (2013.01)] 8 Claims
OG exemplary drawing
 
1. A method for conducting a transaction using an authentication value, comprising:
provisioning, by a backend for a financial institution, a transaction account for a financial institution customer to an electronic wallet executed by a customer electronic device;
downloading, by the customer electronic device, a merchant computer application;
receiving, by a point of transaction device of a merchant, a transaction request to pay for a transaction for a good or service using the transaction account, the transaction request comprising an authentication value that links the financial institution customer, customer electronic device information for the customer electronic device, and a merchant computer application identifier for the merchant computer application together;
authenticating, by the backend for the financial institution, the financial institution customer with the authentication value;
generating, by the point of transaction device for the merchant, a machine-readable code comprising an identifier for the good or service and displaying the machine-readable code on a display of the point of transaction device for the merchant;
receiving, by a merchant computer application executed by the customer electronic device, the identifier by reading the machine-readable code from the display;
receiving, by a payment host executed by an electronic device of the merchant, the identifier from the merchant computer application;
retrieving, by the payment host, transaction account information for the transaction associated with the identifier;
transmitting, by the payment host, an authorization request for the transaction comprising the transaction account information to the backend for the financial institution; and
receiving, by the payment host, authorization from the backend for the financial institution.