The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Dec. 31, 2019
Filed:
Dec. 10, 2013
Applicant:
Visa International Service Association, San Francisco, CA (US);
Inventor:
James Dene Dimmick, Foster City, CA (US);
Assignee:
Visa International Service Association, San Francisco, CA (US);
Attorney:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06Q 20/40 (2012.01); G06Q 20/38 (2012.01); G06Q 20/36 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/4014 (2013.01); G06Q 20/36 (2013.01); G06Q 20/3674 (2013.01); G06Q 20/385 (2013.01); G06Q 20/4012 (2013.01);
Abstract
Embodiments of the invention can combine card not present transaction processing with PIN verification. A merchant or a consumer can initiate transactions using any suitable transaction initiation channel. One aspect of the invention helps facilitate payment card authentication across multiple wallet providers/merchants using an encrypted card PIN and a digital certificate. One aspect of the invention can incorporate the use of different transaction networks to perform authentication and authorization processing.