Invention Grant
- Patent Title: Digital wallet system and method
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Application No.: US16443460Application Date: 2019-06-17
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Publication No.: US11587067B2Publication Date: 2023-02-21
- Inventor: Christian Aabye , Kevin Weller
- 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: G06Q20/36
- IPC: G06Q20/36 ; G06Q20/40 ; G06Q20/32

Abstract:
Embodiments of the present invention provide methods and systems to enable a digital wallet identifier to be present in communications associated with transaction data for transactions that are facilitated by a digital wallet provider. In one embodiment, a communication device of a user receives a request for payment credentials required to conduct a transaction and obtains the payment credentials. The payment credentials include a digital wallet identifier and at least some of the payment credentials are obtained from a trusted execution environment associated with the communication device. The obtained payment credentials are provided to an access device associated with a merchant. The access device is configured to initiate the transaction by generating an authorization request message including the payment credentials for onward transmission to an issuer computer.
Public/Granted literature
- US20190303919A1 DIGITAL WALLET SYSTEM AND METHOD Public/Granted day:2019-10-03
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