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:
Jan. 16, 2024
Filed:
Mar. 26, 2019
Applicant:
Visa International Service Association, San Francisco, CA (US);
Inventor:
Erick Wong, Vancouver, CA;
Assignee:
Visa International Service Association, San Francisco, CA (US);
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/02 (2012.01); G06Q 20/32 (2012.01); G06Q 20/40 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/027 (2013.01); G06Q 20/3223 (2013.01); G06Q 20/4012 (2013.01);
Abstract
Embodiments of the invention generally relate to mobile payments. For example, an application running on a phone can verify a passcode of a consumer. An indication of whether the passcode was verified and a time associated with when the passcode was verified is then sent to a mobile gateway. Later, when a user conducts one or more transactions, a payment processing network can use the indication sent to the mobile gateway to determine whether a the one or more transactions were conducted within a time window, which can be used to authorize the one or more transactions.