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:
Mar. 05, 2024
Filed:
Sep. 16, 2021
Visa International Service Association, San Francisco, CA (US);
Shankara Narayanan Ramesh, Singapore, SG;
Lin Htet Aung, Singapore, SG;
Ibrahim Kusumah Kusnanto, Singapore, SG;
Michael Angelo Sarmiento Olimpo, Singapore, SG;
Leo Laksmana, Singapore, SG;
Anup Tripathi, San Mateo, CA (US);
Imo Michael Akpan, Miami, FL (US);
Visa International Service Association, San Francisco, CA (US);
Abstract
Provided are a system, method, and computer program product for secure payment device data storage and access. The method includes storing payment device data associated with a payment device of a user and generating a unique uniform resource locator (URL) associated with the payment device. The method also includes transmitting the unique URL to an application provider system through a first communication channel and receiving a data access request from the client device via the unique URL through a second communication channel separate from the first communication channel. The method further includes, in response to receiving the data access request, verifying an identity of the user by executing a step-up authentication protocol. The method further includes, in response to verifying the identity of the user, transmitting a data access response including the payment device data to the client device through the second communication channel.