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.

Date of Patent:
Feb. 11, 2020

Filed:

Jun. 23, 2015
Applicant:

Visa International Service Association, San Francisco, CA (US);

Inventors:

Gyan Prakash, Foster City, CA (US);

Prakash Kalaiah, Fremont, CA (US);

Assignee:

Visa International Service Association, San Francisco, CA (US);

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 40/00 (2012.01); G06Q 20/32 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/3226 (2013.01);
Abstract

A transaction is conducted by a user. Confirmation element data and a corresponding confirmation element identifier are generated for the transaction. The confirmation element data and an authorization response message for the transaction are then associated by the confirmation element identifier. The confirmation element data and the confirmation element identifier are sent to a mobile device of the user. The user enters a user personal identifier at the mobile device, which generates modified confirmation element data comprising the user personal identifier. The modified confirmation element data is sent with the authorization response message to a processing entity.


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