METHOD AND SYSTEM FOR STATE ASSOCIATED DEVICE IDENTIFICATION FOR DIGITAL PAYMENTS USING BLOCKCHAIN TECHNOLOGY

    公开(公告)号:US20200235911A1

    公开(公告)日:2020-07-23

    申请号:US16253423

    申请日:2019-01-22

    摘要: A method for maintaining state and event information for all of a user's devices associated in a common location using a blockchain where each block includes an event block and a device block within it, where each event and device block refers to an earlier block of the respective type, resulting in a blockchain-in-a-blockchain architecture. The device and event blocks store data regarding each device associated with a user and events related to the devices/user, respectively. Any time a new event occurs, or a device is registered or removed, a new set of blocks is created, where submissions regarding device changes or events can be made by any participant due to the decentralized and public nature of a blockchain. The result is a system where all data regarding a user's registered devices and events is kept in a common location in a manner that is auditable and verifiable.

    SYSTEM AND PROCESS FOR ON-THE-FLY CARDHOLDER VERIFICATION METHOD SELECTION

    公开(公告)号:US20190385160A1

    公开(公告)日:2019-12-19

    申请号:US16012222

    申请日:2018-06-19

    IPC分类号: G06Q20/38 G06Q20/32 G06Q20/40

    摘要: Methods, apparatus and systems for permitting a cardholder to select a cardholder verification method (CVM) during a secure transaction. In an embodiment, a consumer mobile device running a mobile payment application receives, from a cardholder, selection of a payment account and an instruction to pay via one of contactless, barcode, SRC or digital secure remote payment (DSRP). The consumer mobile device then transmits a request for a secure transaction to a merchant device, receives a request for payment account data, displays a plurality of cardholder verification methods (CVMs), receives selection of a CVM, and prompts the cardholder to provide cardholder identification data in accordance with the selected CVM. The process also includes receiving and authenticating, by the consumer mobile device, the cardholder identification data from the cardholder, generating a cryptogram in accordance with the selected CVM, and transmitting transaction data including payment account data and the cryptogram to the merchant device.