Systems and methods for secure and transparent cardless transactions

US8121942B2 · kind B2 · utility

Assignee

• Visa U.S.A. Inc. · US

Inventors

• Mark Carlson · Rue de l'Église, US
• Surendra Keshan · Cupertino, US
• Patrick Faith · Pleasanton, US

Key dates

• Filing date: Jun 20, 2008
• Grant date: Feb 21, 2012
• Expiry date: Jun 20, 2028

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/03
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Payment information can be sent directly from a consumer to a non-merchant, thereby allowing no new entities to obtain the payment information. Transaction identifiers can be used to facilitate communications among the entities. The payment information can be sent to the non-merchant via a merchant application with a submit payment button directed to the non-merchant so little or no deviations from standard practices are required.