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    System, Method, and Apparatus for Conducting a Secure Transaction Using a Remote Point-of-Sale System
    1.
    发明申请
    System, Method, and Apparatus for Conducting a Secure Transaction Using a Remote Point-of-Sale System 有权

    公开(公告)号：US20220012710A1

    公开(公告)日：2022-01-13

    申请号：US17487122

    申请日：2021-09-28

    申请人： Visa International Service Association

    发明人： Quan Wang ,  Yuexi Chen ,  Shiv Bhatt

    IPC分类号： G06Q20/32 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/36 ,  G06Q20/38

    摘要： Provided is a computer-implemented method for conducting a secure payment transaction for a purchase at a merchant using a client device and a remote point-of-sale (POS) system associated with the merchant. The method includes receiving, with a client device, at least one identifier for at least one product to be purchased, the at least one product associated with a transaction value, and detecting a checkout action with the client device. In response to detecting the checkout action, the method includes generating at least one transaction message based on the transaction value of the at least one item to be purchased and at least one account identifier, generating a cryptogram based at least partially on the at least one transaction message and the at least one issuer key, and transmitting the cryptogram to the remote POS system associated with the merchant. A system and computer program product are also disclosed.

    System, method, and apparatus for conducting a secure transaction using a remote point-of-sale system
    3.
    发明授权
    System, method, and apparatus for conducting a secure transaction using a remote point-of-sale system 有权

    公开(公告)号：US11244300B2

    公开(公告)日：2022-02-08

    申请号：US16606014

    申请日：2017-04-19

    申请人： Visa International Service Association

    发明人： Quan Wang ,  Yuexi Chen ,  Shiv Bhatt

    IPC分类号： G06Q20/32 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/36 ,  G06Q20/38

    摘要： Provided is a computer-implemented method for conducting a secure payment transaction for a purchase at a merchant using a client device and a remote point-of-sale (POS) system associated with the merchant. The method includes receiving, with a client device, at least one identifier for at least one product to be purchased, the at least one product associated with a transaction value, and detecting a checkout action with the client device. In response to detecting the checkout action, the method includes generating at least one transaction message based on the transaction value of the at least one item to be purchased and at least one account identifier, generating a cryptogram based at least partially on the at least one transaction message and the at least one issuer key, and transmitting the cryptogram to the remote POS system associated with the merchant. A system and computer program product are also disclosed.

    System, Method, and Apparatus for Conducting a Secure Transaction Using a Remote Point-of-Sale System
    4.
    发明申请
    System, Method, and Apparatus for Conducting a Secure Transaction Using a Remote Point-of-Sale System 审中-公开

    公开(公告)号：US20200042972A1

    公开(公告)日：2020-02-06

    申请号：US16606014

    申请日：2017-04-19

    申请人： Visa International Service Association

    发明人： Quan Wang ,  Yuexi Chen ,  Shiv Bhatt

    IPC分类号： G06Q20/32 ,  G06Q20/36 ,  G06Q20/20 ,  G06Q20/12 ,  G06Q20/38

    摘要： Provided is a computer-implemented method for conducting a secure payment transaction for a purchase at a merchant in using a client device and a remote point-of-sale (POS) system associated with the merchant. The method includes receiving, with a client device, at least one identifier for at least one product to be purchased, the at least one product associated with a transaction value, and detecting a checkout action with the client device. In response to detecting the checkout action, the method includes generating at least one transaction message based on the transaction value of the at least one item to be purchased and at least one account identifier, generating a cryptogram based at least partially on the at least one transaction message and the at least one issuer key, and transmitting the cryptogram to the remote POS system associated with the merchant. A system and computer program product are also disclosed.

    Distributed electronic record and transaction history
    6.
    发明授权
    Distributed electronic record and transaction history 有权

    公开(公告)号：US11423475B2

    公开(公告)日：2022-08-23

    申请号：US16316958

    申请日：2016-09-27

    申请人： Visa International Service Association

    发明人： Quan Wang ,  Shiv Bhatt

    IPC分类号： G06Q20/40 ,  G06Q30/02 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/38 ,  G06Q40/02 ,  H04L9/30 ,  H04L9/32 ,  H04L9/08

    摘要： Described herein is a system in which an electronic record is stored on a distributed environment. In this system, a computing entity that receives an action request with respect to an account may receive or generate an electronic identifier for that account. The computing entity may then identify an electronic record comprising a number of interaction records related to the electronic identifier within the distributed environment. The computing entity is then able to request account-specific information directly from an originating entity for each of the interaction records. In some embodiments, the computing entity may separately determine a level of trust to be associated with each originating entity. In some embodiments, the computing entity may determine a risk level to be associated with an action indicated in the action request based on the received account-specific information.