Ca, Inc.

Tarun Agrawal

Rajendra Arcot Gopalakrishna

Roshini Thyagaraj

Methods for enabling secure online transactions using a mobile device are described. A mobile device may capture an image associated with a banking card in order to generate checkout information and to automatically populate checkout fields with the checkout information prior to completing an online transaction. In some cases, the mobile device may be used to select items to be purchased from an online merchant, access a checkout page of the online merchant for purchasing the selected items, acquire an image that encodes checkout information, acquire a personal code associated with an end user of the mobile device, generate the checkout information using the acquired image and the personal code, automatically populate one or more fields associated with the checkout page with the checkout information, delete the checkout information from the mobile device, and submit the checkout information to complete the purchase of the selected items.

Methods for enabling mobile payments

A method includes receiving, from a payment intermediary, a request for approval of a card-not-present payment transaction between a customer and a merchant. The request for approval includes transaction details indicative of a credit account of the customer. The credit account established at an issuing institution. The method also includes transmitting the request for approval to the issuing institution. The method further includes receiving an authorization response from the issuing institution, the authorization response indicative of whether the card-not-present payment transaction is approved. The method additionally includes transmitting the authorization response to a terminal of the merchant, the request for approval not originating from the terminal.

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Bengaluru, India

Tarun Agrawal