Method and apparatus for streamlined digital wallet transactions
US10902423B2 · kind B2 · utility
5Cited by
3References
13Claims
0Family size
Assignee
Inventors
Key dates
| Filing date | Feb 12, 2015 |
| Grant date | Jan 26, 2021 |
| Priority date | — |
| Expiry date | May 25, 2036 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/4012
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A method includes maintaining a digital wallet in a computer, and receiving a request for a transaction. The computer may receive and verify user authentication data, and then allow the user to access any payment card account in the digital wallet without requiring additional user authentication, regardless of the account selected for the transaction by the user. In some embodiments, cryptogram generation may be performed with an EMV server in association with the digital wallet, to enhance the level of security assurance for merchants, issuers and users.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.