Smart device system and method of use

US11790361B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Sivanarayana Gaddam · Santa Clara, US
• Hao Yang · San Jose, US
• Atul Luykx · San Francisco, US
• Andreas Aabye · San Mateo, US
• Simon Hurry · Foster City, US
• Yuexi Chen · Foster City, US

Key dates

• Filing date: Apr 5, 2019
• Grant date: Oct 17, 2023
• Expiry date: Mar 10, 2040

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q2220/00
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A smart device is provided between a transaction terminal (e.g. an access device, a point of sale terminal) and a payment card to facilitate a secure transaction. The smart device receives transaction details from the transaction terminal. The transaction terminal suspends the transaction. The smart device is brought in communication with a payment device in control of the user (e.g. the user of the payment device does not hand over the payment device to a merchant, clerk, waitstaff). The smart device receives a cryptogram identifying an account from the payment device and transmits the cryptogram to the transaction terminal. The transaction terminal resumes the transaction, generates a transaction authorization request message including the cryptogram, and transmits the transaction authorization request message to an issuer of the account. The transaction terminal receives an authorization response message from the issuer, and notifies the smart device of the transaction being approved or declined.