Visa International Service Association

Keith Bailey

Avinash Kalgi

Lance Weber

Matthew Ward-Steinman

Embodiments of the invention are directed to systems, apparatus, and methods for providing location-specific authentication at a mobile access device. In some embodiments, a mobile access device (e.g., a mobile POS terminal such as a smart phone) can receive a request to initiate a transaction. The mobile access device can determine a current location of the mobile access device, and can select an authentication process based upon the determined location. The selected authentication process can then be performed by the mobile access device. In some embodiments, when the current location is a first location, the selected authentication process can include requesting authentication data before authorization of the transaction and, when the current location is the second location, the selected authentication process can include requesting the authentication data after authorization of the transaction.

Location-based mobile access device configuration system and method

Embodiments of the invention are directed to systems and methods for allowing a single representation of a trigger for payment across different environments using machine readable codes. A machine readable code may be encoded with a URL and information about a product to which the machine readable code is attached. A first electronic device may be able to scan and decode the machine readable code into first recognizable product information using a complaint application. The compliant application may populate a first form on the first electronic device for a first transaction with the recognizable product information without having to access a server. A non-compliant application on a second electronic device will launch a browser using the URL and provide the unrecognizable product information to the server for decoding. The server will decode the unrecognizable product information into a second recognizable product information that may be used to populate a second form for a second transaction.

Dual encoding of machine readable code for automatic scan-initiated purchase or uniform resource locator checkout

Embodiments of the present invention are directed to methods, systems, and apparatuses for enabling payment information received via a reader device coupled to a mobile point-of-sale (POS) terminal to be communicated in a secure manner to a third party service provider for payment processing of a transaction between a merchant and a consumer. Some embodiments are directed to communication of the payment information received from a reader device using a payment processing mechanism (e.g., a hosted order page) of the merchant to process payment information via the third party service provider in a secure manner. The reader device can encrypt payment information using a third party encryption mechanism, such as derived unique key per transaction (DUKPT). The third party encryption mechanism can be used or accessed by the third party service provider to enable end-to-end security for payment processing.

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Orem, UT, United States of America

Keith Bailey