Secure remote transaction framework

US11049101B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Ansar Ansari · Santa Clara, US
• Marco Huerta · New York, US
• Thomas Purves · San Francisco, US
• Kevin Carvalho · San Francisco, US
• Jalpesh Chitalia · Sunnyvale, US
• Amit Gupta · Foster City, US
• Sang Wook Lee · Seojong-myeon, KR
• Barbara Patterson · South San Francisco, US
• Manoj Kannembath · San Francisco, US
• Samuel Shrauger · Lafayette, US

Key dates

• Filing date: Mar 21, 2018
• Grant date: Jun 29, 2021
• Expiry date: Mar 21, 2038

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/401
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Embodiments of the invention are directed to systems and methods of providing secure remote transaction (SRT) transactions. In some embodiments, upon selection of a checkout element, a user may be identified with respect to a transaction to be completed. A number of accounts may then be identified in relation to that user. Upon selection of a particular account, the user may be authenticated using a facilitator application installed on a mobile computing device that supports authentication for the selected account. In some embodiments, the system may involve the use of a transaction-specific token generated upon receiving an authentication indicator from the facilitator application.