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:
Nov. 03, 2026
Filed:
Mar. 28, 2023
Applicant:
Visa Europe Limited, London, GB;
Inventor:
Lewis Graham, London, GB;
Assignee:
Visa Europe Limited, London, GB;
Attorney:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06Q 20/40 (2012.01); G06Q 20/32 (2012.01); G06Q 20/36 (2012.01); G06Q 20/38 (2012.01); H04L 9/08 (2006.01);
U.S. Cl.
CPC ...
G06Q 20/4014 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/3672 (2013.01); G06Q 20/3827 (2013.01); G06Q 20/401 (2013.01); H04L 9/0816 (2013.01);
Abstract
There is discussed a method of authorising an electronic transaction in which a user device receives a shared secret and a shared secret identifier. Subsequently, on receipt of transaction data from a transaction terminal, the user device calculates a one-way hash of data comprising the shared secret to generate a hash value, generates authentication data comprising the hash value and the shared secret identifier, and transmits the authentication data to the transaction terminal.
Quick Actions:
Graham, Lewis. (2026). Transaction authorisation (U.S. Patent No. 12784046). U.S. Patent and Trademark Office. https://idiyas.com/patent/badge/12784046
Data source: USPTO (United States Patent and Trademark Office) public patent records. Weekly synchronization. How IDiyas builds this profile