System and method employing reduced time device processing
AssigneeVisa International Service Association
InventorsSimon Hurry, Aron Clark, Marc Cleven
Life of this patent
Estimating the term…
Abstract
Methods and systems for facilitating a transaction are provided. A transaction involving an integrated circuit user device in contact with an access device is processed in less time, such that the user device can be removed at an earlier time. In embodiments, an access device provides an estimated value to a user device such that a cryptogram can be generated without waiting for a final value. Additionally, the access device can store user device data and then complete the transaction with the user device before authorizing the transaction, such that the user device can be removed without waiting for an authorization response.
Claims20
A method comprising:
- providing, by an access device, to a user device for a transaction, a preset amount, wherein the user device generates a cryptogram based on the preset amount;
- receiving, by the access device, from the user device, payment credentials and the cryptogram;
- after completing communications with the user device, determining, by the access device, an actual amount for the transaction, where the actual amount is different than the preset amount;
- generating, by the access device, an authorization request message for the transaction, the authorization request message including the payment credentials, the cryptogram, the preset amount, and the actual amount;
- and
- transmitting, by the access device, the authorization request message to an authorizing entity computer, wherein the authorizing entity computer uses the preset amount included in the authorization request message to verify the cryptogram included in the authorization request message, and wherein the authorizing entity computer uses the payment credentials included in the authorization request message and the actual amount included in the authorization request message to authorize the transaction.
An access device comprising:
- a processor;
- and
- a non-transitory computer-readable medium, the non-transitory computer-readable medium comprising code, executable by the processor, that implements a method comprising:
- providing, to a user device for a transaction, a preset amount, wherein the user device generates a cryptogram based on the preset amount;
- receiving, from the user device, payment credentials and the cryptogram;
- after completing communications with the user device, determining an actual amount for the transaction, where the actual amount is different than the preset amount;
- generating an authorization request message for the transaction, the authorization request message including the payment credentials, the cryptogram, the preset amount, and the actual amount;
- and
- transmitting the authorization request message to an authorizing entity computer, wherein the authorizing entity computer uses the preset amount included in the authorization request message to verify the cryptogram included in the authorization request message, and wherein the authorizing entity computer uses the payment credentials included in the authorization request message and the actual amount included in the authorization request message to authorize the transaction.
Dependencies are inferred from the claim text.