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:
Oct. 07, 2025
Filed:
Apr. 23, 2024
Visa International Service Association, San Francisco, CA (US);
Sivanarayana Gaddam, Santa Clara, CA (US);
Visa International Service Association, San Francisco, CA (US);
Abstract
A method includes generating, by a user device, an initial authorization request message for an interaction to obtain a resource from a resource provider. The user device transmits the initial authorization request message to a first node in a proxy network, wherein the first node processes the initial authorization request message and transmits a routing message to a second node in the proxy network based on the processing of the initial authorization request message, the second node being previously associated with the resource provider. The user device then receives from the second node and stores a pre-authorization approval indicator (PAAI). Upon delivery of the resource by an agent of the resource provider, the user device transmits an authorization request message including the pre-authorization approval indicator, wherein the agent device further processes and transmits the authorization request message to the proxy network for authorization by an authorizing entity.