Techniques for token proximity transactions

US12388816B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Kyle Joseph Drechsler · San Francisco, US
• Christopher Jones · Greenbrae, US
• Gayathri Venkat · Austin, US
• Gavin Shenker · Los Angeles, US
• Raul Leyva · Round Rock, US
• Janardana Sarma · Foster City, US
• Phillip Lavender · Foster City, US
• Leila Movahedian · Foster City, US
• Pinesh Roy · Foster City, US
• Eduardo Lopez · Menlo Park, US

Key dates

• Filing date: May 21, 2024
• Grant date: Aug 12, 2025
• Expiry date: May 21, 2044

Classification

• Technology area (CPC H): Electricity
• CPC primary: H04W12/06
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Systems and methods are provided to enable a user to conduct a transaction using their credentials stored on a secure server computer (e.g., a computer associated with a partner such as another merchant) by merely presenting their authentication data at a physical location via an auxiliary device. An auxiliary device may be provided for interfacing with a partner's backend server (e.g., the secure server computer). In some embodiments, biometric authentication may provide a mechanism for a true seamless and potentially frictionless (in the case of modalities that do not require physical contact) interaction. Payment can occur without any need for a card, phone, wearable, or any other user device as long as the auxiliary device is able to recognize the user and retrieve a credential that can be linked to that user.