Visa International Service Association

Samuel Shrauger

Jalpesh Chitalia

Ansar Ansari

Thomas Purves

Amit Gupta

Kevin Carvalho

Manoj Kannembath

Vishwanath Shastry

Madhuri Chandoor

Otto Williams

Barbara Elizabeth Patterson

Sang Wook Lee

Marco Huerta

Embodiments of the invention are directed to systems and methods of securely transmitting account credentials, such as a token. A user device and application can initially select an account, and then obtain a transaction identifier associated with the account. The user device can provide the transaction identifier to a resource provider, which can then directly exchange the transaction identifier for the account credentials.

Systems and methods for using a transaction identifier to protect sensitive credentials

Embodiments of the invention are directed to systems and methods that enable authentication of a user via an authentication application that is different than a wallet application that is being used to process a transaction. The wallet application may contain payment devices and/additional wallet applications.

Adaptable authentication processing

Embodiments of the invention are directed to systems and methods of providing secure remote transaction (SRT) transactions. In some embodiments, upon selection of a checkout element, a user may be identified with respect to a transaction to be completed. A number of accounts may then be identified in relation to that user. Upon selection of a particular account, the user may be authenticated using a facilitator application installed on a mobile computing device that supports authentication for the selected account. In some embodiments, the system may involve the use of a transaction-specific token generated upon receiving an authentication indicator from the facilitator application.

Secure remote transaction framework

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Lafayette, CA, United States of America

Samuel Shrauger