Invention Grant
- Patent Title: Transaction authorization
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Application No.: US15621577Application Date: 2017-06-13
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Publication No.: US11775959B2Publication Date: 2023-10-03
- Inventor: Nicolas David Mackie
- Applicant: VISA EUROPE LIMITED
- Applicant Address: GB London
- Assignee: Visa Europe Limited
- Current Assignee: Visa Europe Limited
- Current Assignee Address: GB London
- Agency: Kilpatrick Townsend & Stockton LLP
- Priority: GB 22395 2014.12.16
- Main IPC: G06Q20/32
- IPC: G06Q20/32 ; G06Q20/20 ; G06Q20/38 ; G06Q20/34

Abstract:
Methods, apparatus and computer programs for authorizing transactions are described. A server system receives, from a first computing device, verification information relating to a verification process for verifying a user associated with the first computing device. A verification status associated with the user is set in a memory of the server system, based on the verification information. The server system receives an authorization request for a payment transaction from a payment terminal, the request including an identifier associated with the user, and having been provided to the payment terminal by a payment device different from the first computing device. Responsive to receipt of the authorization request, the verification status associated with the user is identified, and a determination as to whether to authorize the payment transaction is made at least partly on the basis of the identified verification status.
Public/Granted literature
- US20170278094A1 TRANSACTION AUTHORISATION Public/Granted day:2017-09-28
Information query