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:
Apr. 26, 2016
Filed:
Nov. 17, 2014
Applicant:
Visa International Service Association, San Francisco, CA (US);
Inventors:
William Chi Yuen Chan, Singapore, SG;
Kong Boon Ng, Shah Alam, MY;
Assignee:
VISA INTERNATIONAL SERVICE ASSOCIATION, San Francisco, CA (US);
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/00 (2012.01); G06Q 20/32 (2012.01); G06Q 20/20 (2012.01); G06Q 20/22 (2012.01); G06Q 20/34 (2012.01); G06Q 20/40 (2012.01); G07B 15/00 (2011.01); G06Q 50/30 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/327 (2013.01); G06Q 20/20 (2013.01); G06Q 20/22 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/352 (2013.01); G06Q 20/40 (2013.01); G06Q 20/4016 (2013.01); G06Q 50/30 (2013.01); G07B 15/00 (2013.01);
Abstract
An apparatus and method for enabling effective use of a contactless payment device in a transit system. The invention may be implemented in a manner that separates the authentication process from the pre-authorization process, thereby permitting a transit system patron to access and begin use of the transit system prior to authorization of the transaction by the issuer of the device.