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:
Nov. 01, 2022
Filed:
Aug. 30, 2018
Applicant:
Visa U.s.a. Inc., San Francisco, CA (US);
Inventors:
Ayman Hammad, Pleasanton, CA (US);
Patrick Faith, Pleasanton, CA (US);
Mark Carlson, Half Moon Bay, CA (US);
Assignee:
VISA U.S.A. INC., San Francisco, CA (US);
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/38 (2012.01); G06Q 20/08 (2012.01); G06Q 20/40 (2012.01); G06Q 20/20 (2012.01); G06Q 20/36 (2012.01); G06Q 30/06 (2012.01); G06Q 20/10 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/382 (2013.01); G06Q 20/085 (2013.01); G06Q 20/20 (2013.01); G06Q 20/3674 (2013.01); G06Q 20/385 (2013.01); G06Q 20/3821 (2013.01); G06Q 20/3829 (2013.01); G06Q 20/40 (2013.01); G06Q 20/401 (2013.01); G06Q 30/06 (2013.01); G06Q 20/105 (2013.01); G06Q 20/204 (2013.01); G06Q 2220/00 (2013.01); H04L 2209/56 (2013.01);
Abstract
A method for authenticating a consumer. The method includes receiving an authorization request message associated with a consumer conducting a transaction with a portable consumer device. A challenge message is sent to the consumer, where the challenge message is dynamic or semi-dynamic. A challenge response message is received from the consumer, and an authorization response message is sent to the consumer. The authorization response message indicates whether or not the transaction is authorized.