Authenticating remote transactions using a mobile device
US11978051B2 · kind B2 · utility
0Cited by
17References
17Claims
0Family size
Assignee
Inventor
Key dates
| Filing date | Nov 20, 2019 |
| Grant date | May 7, 2024 |
| Priority date | — |
| Expiry date | Dec 30, 2040 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/4012
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Embodiments of the invention can combine card not present transaction processing with PIN verification. A merchant or a consumer can initiate transactions using any suitable transaction initiation channel. One aspect of the invention helps facilitate payment card authentication across multiple wallet providers/merchants using an encrypted card PIN and a digital certificate. One aspect of the invention can incorporate the use of different transaction networks to perform authentication and authorization processing.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.