# US 12,182,774 B2 · System for facilitating payments

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- Number: US 12,182,774 B2
- Document ID: US12182774B2
- Status: Granted
- Kind: B2
- Application number: 17/082,306
- Filed: 2020-10-28
- Published: 2021-04-29
- Granted: 2024-12-31
- Earliest claimed: 2019-10-28
- Assignees: Zilch Technology Limited
- Applicants: Zilch Technology Limited
- Inventors: Philip Belamant
- Web page: https://patentgrep.com/patent/US12182774B2

## CPC

- G06Q 20/027: {involving a payment switch or gateway}
- H04L 9/321: {involving a third party or a trusted authority}
- G06Q 20/12: specially adapted for electronic shopping systems
- G06Q 20/202: {Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR}
- G06Q 20/351: {Virtual cards}
- G06Q 20/385: {using an alias or single-use codes}
- G06Q 20/4018: {using the card verification value [CVV] associated with the card}
- G06Q 20/405: {Establishing or using transaction specific rules}
- G06Q 20/42: Confirmation, e.g. check or permission by the legal debtor of payment
- G06Q 20/3829: {involving key management}
- G06Q 30/0185: {Product, service or business identity fraud}
- G06Q 2220/00: Business processing using cryptography
- H04L 9/3213: {using tickets or tokens, e.g. Kerberos (network architectures or network communication protocols for entities authentication using tickets in a packet data network H04L63/0807)}
- H04L 2209/56: Financial cryptography, e.g. electronic payment or e-cash
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)

## Abstract

The combination of virtual payment cards (tokens) and 3D Secure to transparently transport information to an issuing authority between mutually independent transactions. Furthermore, the virtual payment card standard digital information is transformed by embedding the mandated URL/SESSION ID without the need for the card schemes, acquirers, or payment gateways to make any modifications to their system or message formats.

## Claims

### Claim 1

A system for facilitating an online transaction initiated by a client at an online address, the system comprising one or more processors and memory storing instructions executable by the one or more processors to cause the system to:
generate a payment token, originating at a client terminal, having a unique identification factor wherein said unique identification factor is a generated 16 digit cryptogram and comprises at least an account number and an expiry date and embedded further authentication information comprising a portal URL and a session ID;
transmit, by an authorisation gateway to a data processing unit associated with an authorizing institution system, the 16 digit cryptogram, wherein transmitting the 16 digit cryptogram embedding the portal URL and the session ID complies with standard ISO 8583 messaging formats;
receive, by the data processing unit, the online address and the unique identification factor; and
determine, by the data processing unit, whether to:
allow the transaction;
deny the transaction; or
require a further confirmation step;
wherein the determination by the data processing unit is based on the online address, the unique identification factor and a set of rules.

### Claim 2 (depends on 1)

A system according to claim 1, wherein said further confirmation step comprises a notification to the client of predetermined information.

### Claim 3 (depends on 1)

A system according to claim 1, wherein a link between a transaction approval and the online address is created.

### Claim 4

A method for facilitating an online transaction at an online address, comprising the steps of:
at check-out, entering 16 digit card number (PAN-primary account number), expiry date and the card verification value (CVV) to generate a 16 digit cryptogram, the 16 digit cryptogram comprising at least an account number and the expiry date and embedded further authentication information of a portal URL or a session ID;
transmitting, by an authorization gateway, to a data processing unit associated with an authorizing institution system, the 16 digit cryptogram, wherein transmitting the 16 digit cryptogram embedding the portal URL and the session ID complies with standard ISO 8583 messaging formats; and
determine, by the data processing unit, whether to:
allow the transaction;
deny the transaction; or
require a further confirmation step;
wherein the determination by the data processing unit is based on the online address, the unique identification factor and a set of rules.