US 12,282,937 B2
Systems and methods for payment product verification and authorization using a customer identifier
Jonathan Rosner, White Plains, NY (US); and David Christopher Carey, Middletown, DE (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 Oct. 28, 2021, as Appl. No. 17/513,536.
Claims priority of provisional application 63/108,748, filed on Nov. 2, 2020.
Prior Publication US 2022/0138803 A1, May 5, 2022
Int. Cl. G06Q 30/02 (2023.01); G06Q 20/40 (2012.01); G06Q 30/0201 (2023.01); G06Q 30/0207 (2023.01); G06Q 30/0251 (2023.01)
CPC G06Q 30/0269 (2013.01) [G06Q 20/4014 (2013.01); G06Q 30/0201 (2013.01); G06Q 30/0224 (2013.01)] 14 Claims
OG exemplary drawing
 
1. A method comprising:
receiving, by a payment product provider computer including a processor and a memory, a customer identifier, wherein the payment product provider computer exposes an application programming interface, wherein the customer identifier is received as a parameter of a first call to the application programming interface, and wherein the first call to the application programming interface is received from a payment processor network, the application programming interface exposing functions used to exchange data in response to the first call;
querying, in a query made by the payment product provider computer, a datastore of customers of the payment product provider with a parameterized query, wherein the customer identifier is a parameter of the query;
determining, by the payment product provider computer and based on the query, that the customer identifier is associated with customer profile data of the payment product provider;
determining, by the payment product provider computer and based on the query, payment product data associated with the customer profile data, the payment product data comprising merchant information and payment product information;
returning, by the payment product provider computer to the payment processor network and via a response to the first call to the application programming interface, a positive eligibility indication based on the customer profile data and the payment product data;
receiving, by the payment product provider computer, a customer approval indication, wherein the customer approval indication is received as a parameter of a second call to the application programming interface, and wherein the second call to the application programming interface is received from the payment processor network, the application programming interface exposing functions used to exchange data in response to the second call;
determining, by the payment product provider computer, whether a device associated with the customer profile data is a trusted device based on how long a phone number of the device has been registered, a past usage of the phone number, and geolocation;
pushing, by the payment product provider computer, in response to receiving the customer approval indication, and to an application provided by the payment product provider and executing on the trusted device, a notification message;
receiving, by the payment product provider computer and in response to the notification message, an authentication of a customer associated with the customer profile data, wherein the authentication of the customer associated with the customer profile data comprises a biometric authentication of the customer associated with the customer profile data;
sending, by the payment product provider computer, in response to receiving the authentication of the customer, and to the payment processor network, the payment product data; and
receiving, by the payment product provider computer and in response to the notification message, an indication of a payment product identified in the payment product data.