Method and system for payment authorization and card presentation using pre-issued identities
AssigneeVisa U.S.A. Inc.
InventorsKiushan Pirzadeh, Simon John Hurry, Thomas Manessis
Life of this patent
Estimating the term…
Abstract
Systems and methods for authenticating a party are disclosed. A transaction may be initiated between a relying party and a presenter. The relying party can send the presenter a message with transaction information and requirements for authentication. The presenter can forward the message to a third party, which can authenticate the presenter to the relying party.
Claims25
A method involving a presenter for completing a transaction, comprising:
- providing one or more virtual cards to a presenter, wherein each virtual card relates to an identity;
- receiving authentication data relating to a selected virtual card;
- verifying said authentication data;
- receiving a message routed by the presenter from a relying party, wherein the message includes an identifier for the relying party and a transaction amount;
- and
- sending a message through the presenter to the relying party, wherein the message contains transaction information and data related to the identity associated with the virtual card.
A method for completing a transaction comprising:
- receiving one or more virtual cards, by one or more issuers, wherein each said virtual card relates to an identity;
- receiving from a relying party a policy, wherein said policy relates to one or more requirements;
- receiving from the relying party data representing underlying transaction details;
- selecting an eligible virtual card;
- sending authentication data to an issuer corresponding to said virtual card;
- forwarding the underlying transaction details to the issuer;
- receiving, from the issuer, a message containing data related to the identity associated with the virtual card to the relying party;
- and
- forwarding the message to the relying party.
A method involving a presenter, an issuer, and a relying party for completing a transaction, comprising:
- receiving a request for a transaction;
- sending transaction details to the presenter, wherein the transaction details include a merchant identifier, a transaction identifier, and a transaction amount;
- receiving a message from the presenter, wherein the message has been sent to the presenter by the issuer;
- and
- verifying the signature of the message.
A computer readable medium comprising:
- code for providing one or more virtual cards to the presenter, wherein each virtual card relates to an identity;
- code for receiving authentication data relating to a selected virtual card;
- code for receiving a message from a relying party relating to the transaction;
- code for verifying said authentication data;
- and
- code for sending a message containing data related to the identity associated with the virtual card to the relying party, wherein the message further contains transaction information.
A computer readable medium comprising:
- code for receiving and storing one or more virtual cards, by one or more issuers, wherein each said virtual card relates to an identity;
- code for receiving from a relying party a policy, wherein said policy relates to one or more requirements;
- code for receiving from the relying party data representing underlying transaction details;
- code for selecting an eligible virtual card;
- code for sending authentication data relating to said selected virtual card to the issuer corresponding to said virtual card;
- code for forwarding the underlying transaction details to the issuer;
- code for receiving, from the issuer, a message containing data related to the identity associated with the virtual card to the relying party;
- and
- code for forwarding the message to the relying party.
Dependencies are inferred from the claim text.