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:
Apr. 04, 2023

Filed:

Jan. 14, 2020
Applicant:

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

Inventor:

Patrick Ryan Flanagan, Pleasanton, CA (US);

Assignee:

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

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G10L 15/22 (2006.01); G06Q 20/30 (2012.01); H04W 12/06 (2021.01); G06Q 20/38 (2012.01); G10L 15/18 (2013.01); G10L 15/30 (2013.01); H04W 12/04 (2021.01); H04M 1/725 (2021.01);
U.S. Cl.
CPC ...
H04W 12/06 (2013.01); G06Q 20/3821 (2013.01); G10L 15/1822 (2013.01); G10L 15/22 (2013.01); G10L 15/30 (2013.01); H04W 12/04 (2013.01); G10L 2015/223 (2013.01); H04M 1/725 (2013.01);
Abstract

Provided is a system, method, and computer program product for conducting secure transactions with at least two appliances. The method includes monitoring audio data with a first appliance including a processor, a speaker, and a microphone; detecting, with the first appliance, an audible request to initiate a transaction from a user from the audio data; communicating, with the first appliance, a transaction request to at least one remote server in response to detecting the audible request to initiate the transaction; detecting, with the first appliance, a credential message received by the first appliance directly from a second appliance via an audio transmission, the credential message corresponding to the transaction request and including a limited use key provided to the second appliance from the at least one remote server or another remote server; and in response to detecting the credential message, initiating, with the first appliance, the transaction based on the limited use key.


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