Invention Grant
- Patent Title: Techniques for token proximity transactions
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Application No.: US17282375Application Date: 2019-10-08
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Publication No.: US12028337B2Publication Date: 2024-07-02
- Inventor: Kyle Joseph Drechsler , Christopher Jones , Gayathri Venkat , Gavin Shenker , Raul Leyva , Janardana Sarma , Phillip Lavender , Leila Movahedian , Pinesh Roy , Eduardo Lopez
- 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
- International Application: PCT/US2019/055233 2019.10.08
- International Announcement: WO2020/076854A 2020.04.16
- Date entered country: 2021-04-01
- Main IPC: H04L29/00
- IPC: H04L29/00 ; G06Q20/02 ; G06Q20/20 ; G06Q20/38 ; G06Q20/40 ; H04L9/32 ; H04L9/40 ; G06Q20/32 ; H04W12/06

Abstract:
Systems and methods are provided to enable a user to conduct a transaction using their credentials stored on a secure server computer (e.g., a computer associated with a partner such as another merchant) by merely presenting their authentication data at a physical location via an auxiliary device. An auxiliary device may be provided for interfacing with a partners backend server (e.g., the secure server computer). In some embodiments, biometric authentication may provide a mechanism for a true seamless and potentially frictionless (in the case of modalities that do not require physical contact) interaction. Payment can occur without any need for a card, phone, wearable, or any other user device as long as the auxiliary device is able to recognize the user and retrieve a credential that can be linked to that user.
Public/Granted literature
- US20210344672A1 TECHNIQUES FOR TOKEN PROXIMITY TRANSACTIONS Public/Granted day:2021-11-04
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