US 12,118,536 B2
Systems and methods for card tokenization via API
Navneet K. Kang, Garnet Valley, PA (US); and John D. Moore, Dublin, OH (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 Mar. 4, 2020, as Appl. No. 16/809,103.
Prior Publication US 2021/0279718 A1, Sep. 9, 2021
Int. Cl. G06Q 10/10 (2023.01); G06Q 20/32 (2012.01); G06Q 20/34 (2012.01); G06Q 20/36 (2012.01); G06Q 20/40 (2012.01); G06Q 40/02 (2023.01)
CPC G06Q 20/354 (2013.01) [G06Q 10/10 (2013.01); G06Q 20/3223 (2013.01); G06Q 20/3672 (2013.01); G06Q 20/403 (2013.01); G06Q 40/02 (2013.01)] 5 Claims
OG exemplary drawing
 
1. A method for card provisioning using a digital enablement service via API, comprising:
receiving, at a financial institution backend and from a digital enablement service for a card association via an Application Programming Interface (API), a provisioning request to tokenize an account to a digital wallet executed by an electronic device, the provisioning request comprising an identification of the account, the digital enablement service interfacing with both a third-party wallet provider backend for the digital wallet and the financial institution backend;
approving, by the financial institution backend, the provisioning request;
communicating, by the financial institution backend and to the digital enablement service, the approval;
generating, by the digital enablement service, a payment token for the account in response to receiving the approval;
communicating, by the digital enablement service, the payment token to the third-party wallet provider, wherein the third-party wallet provider provides the payment token to the digital wallet;
presenting, by the financial institution backend and via the digital enablement service to the digital wallet, terms and conditions;
generating, by the digital enablement service, a token activation notice in response to acceptance of the terms and conditions;
sending, by the digital enablement service, the token activation notice to the financial institution backend; and
updating, by the financial institution backend, a cardholder card status for the account with a token provisioned status.