Invention Grant
- Patent Title: Multi-device transaction verification
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Application No.: US16681692Application Date: 2019-11-12
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Publication No.: US11238457B2Publication Date: 2022-02-01
- Inventor: Kim Wagner , John F. Sheets , Mark Nelsen , Jing Jin
- Applicant: Visa International Service Association
- Applicant Address: US CA San Francisco
- Assignee: Visa International Service Association
- Current Assignee: Visa International Service Association
- Current Assignee Address: US CA San Francisco
- Agency: Kilpatrick Townsend & Stockton LLP
- Main IPC: G06Q20/40
- IPC: G06Q20/40 ; G06Q20/32 ; H04L29/06 ; H04W12/08 ; H04W12/06 ; H04W12/069 ; H04W12/084

Abstract:
When a user enters a resource provider location with a portable communication device, the portable communication device provides an indication to a transaction processing system that the portable communication device is currently at the resource provider location. At a later time when the user conducts a transaction with a portable transaction device, the fact that the user's portable communication device had been detected at the resource provider a short time ago is taken into account as a positive indicator that the transaction is not fraudulent. By verifying that both the portable communication device and the portable transaction device are present at the resource provider, the risk of approving a fraudulent transaction from a stolen portable transaction device can be reduced.
Public/Granted literature
- US20200082408A1 MULTI-DEVICE TRANSACTION VERIFICATION Public/Granted day:2020-03-12
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