Invention Grant
- Patent Title: Conducting secure transactions by detecting credential message with audio between first appliance and second appliance
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Application No.: US16741997Application Date: 2020-01-14
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Publication No.: US11622267B2Publication Date: 2023-04-04
- Inventor: Patrick Ryan Flanagan
- 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: The Webb Law Firm
- Main IPC: G10L15/22
- IPC: G10L15/22 ; G06Q20/30 ; H04W12/06 ; G06Q20/38 ; G10L15/18 ; G10L15/30 ; H04W12/04 ; H04M1/725

Abstract:
Provided is a system, method, and computer program product for conducting secure transactions with at least two appliances. The method includes monitoring audio data with a first appliance including a processor, a speaker, and a microphone; detecting, with the first appliance, an audible request to initiate a transaction from a user from the audio data; communicating, with the first appliance, a transaction request to at least one remote server in response to detecting the audible request to initiate the transaction; detecting, with the first appliance, a credential message received by the first appliance directly from a second appliance via an audio transmission, the credential message corresponding to the transaction request and including a limited use key provided to the second appliance from the at least one remote server or another remote server; and in response to detecting the credential message, initiating, with the first appliance, the transaction based on the limited use key.
Public/Granted literature
- US20200236547A1 System, Method, and Computer Program Product for Conducting Secure Transactions With Audio Public/Granted day:2020-07-23
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