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:
Jul. 03, 2019
Visa International Service Association, San Francisco, CA (US);
Sandeep Tharoor, Anjumoorthy, IN;
Malayamkumarath Sreedharan Manikandan, Cox Town, IN;
Visa International Service Association, San Francisco, CA (US);
Abstract
Embodiments of the present disclosure relate to methods and systems for authenticating and authorizing mobile-One Time Password (m-OTP) based transactions. A cardholder () can generate the m-OTP in an issuer mobile application () and enter in a checkout page for completing the transaction. Once the m-OTP is entered, a merchant system () generates a transaction message comprising the m-OTP and a unique identifier indicating that the transaction message comprises the m-OTP. Is submitted to a directory server () which sends the transaction message to an issuer system () for authentication and authorization. The issuer system () generates a response message comprising a result of authentication and authorization of the transaction message. The directory server () routes the response message to the merchant system () via the acquirer system ().
Data source: USPTO (United States Patent and Trademark Office) public patent records. Weekly synchronization. How IDiyas builds this profile