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US 10,853,797 B2Granted
Cloud-based virtual wallet NFC apparatuses, methods and systems
AssigneeVisa International Service Association
InventorAyman Hammad
Life of this patent
Estimating the term…
Abstract
The CLOUD-BASED VIRTUAL WALLET NFC APPARATUSES, METHODS AND SYSTEMS (“EAE”) transform user enhanced security transaction initiation requests using EAE components into time-limited, session-specific transaction bounding tokens. In some implementations, the disclosure provides a processor-implemented method of transforming a transaction bounding token request into transaction bounded tokens and purchase authorizations.
Claims20
A method comprising:
- receiving, by a server computer from a merchant server, a token request comprising a transaction security token generation certificate;
- extracting, by the server computer, the transaction security token generation certificate from the token request;
- determining, by the server computer, that the transaction security token generation certificate is valid;
- in response to determining that the transaction security token generation certificate is valid, generating, by the server computer, a payment token;
- transmitting, by the server computer, a transaction bounding token response comprising the payment token to the merchant server;
- receiving, by the server computer and from the merchant server, a transaction authorization request comprising the payment token for a transaction;
- and
- transmitting, by the server computer, a transaction authorization response message to the merchant server.
5 more elements
A server computer comprising:
- a processor;
- and
- a computer readable medium, the computer readable medium comprising code, executable by the processor, for performing a method comprising:
- receiving, by the server computer from a merchant server, a token request comprising a transaction security token generation certificate,
- extracting, by the server computer, the transaction security token generation certificate from the token request,
- determining, by the server computer, that the transaction security token generation certificate is valid,
- in response to determining that the transaction security token generation certificate is valid, generating, by the server computer, a payment token,
- transmitting, by the server computer, a transaction bounding token response comprising the payment token to the merchant server,
- receiving, by the server computer and from the merchant server, a transaction authorization request comprising the payment token for a transaction, and
- transmitting, by the server computer, a transaction authorization response message to the merchant server.
7 more elements
Dependencies are inferred from the claim text.