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:
Dec. 03, 2024
Filed:
May. 12, 2021
Wells Fargo Bank, N.a., San Francisco, CA (US);
Peter Ho, Walnut Creek, CA (US);
Wells Fargo Bank, N.A., San Francisco, CA (US);
Abstract
A method of authenticating a card for use with a mobile pay function of a mobile device is provided. The method includes: receiving a payment transaction from the mobile device; identifying the payment transaction from the mobile device as an authentication request by determining that the payment transaction includes a payment amount less than or equal to a predefined amount, wherein the authentication request includes a cryptogram; decrypting the cryptogram; verifying and approving the authentication request that was generated by the card and wirelessly transmitted to the mobile device from the card based on the decrypted cryptogram; transmitting an authentication decision to the mobile device based on the approval; and, enabling the mobile pay function for the card for the mobile device to complete mobile pay transactions utilizing the card.