Back to results
US 2014/0207684 A1Published application
Method and system for payment authorization and card presentation using pre-issued identities
AssigneeVisa International Service Association
InventorsKiushan Pirzadeh, Simon 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.
Claims21
1-25. (canceled)
A computer-implemented method comprising:
- receiving, by a computer, authentication data for a transaction from a network access device of a presenter, wherein the presenter is associated with one or more virtual cards, and wherein the authentication data relates to a virtual card selected by the presenter;
- verifying, by the computer, the authentication data;
- receiving, by the computer, a transaction request message from a relying party device of a relying party, wherein the transaction request message is routed to the computer through the network access device of the presenter;
- and
- transmitting, by the computer, a transaction response message to the relying party device, wherein the transaction response message is routed to the relying party device through the network access device of the presenter, and wherein the transaction response message includes transaction data relating to the selected virtual card.
2 more elements
A computer comprising:
- a processor;
- and
- a computer readable medium coupled to the processor, wherein the computer readable medium includes code executable by the processor for implementing a method comprising:
- receiving authentication data for a transaction from a network access device of a presenter, wherein the presenter is associated with one or more virtual cards, and wherein the authentication data relates to a virtual card selected by the presenter;
- verifying the authentication data;
- receiving a transaction request message from a relying party device of a relying party, wherein the transaction request message is routed through the network access device of the presenter;
- and
- transmitting a transaction response message to the relying party device, wherein the transaction response message is routed to the relying party device through the network access device of the presenter, and wherein the transaction response message includes transaction data relating to the selected virtual card.
5 more elements
A computer-implemented method comprising:
- transmitting, by a network access device of a presenter, authentication data for a transaction to an issuer computer of an issuer, wherein the presenter is associated with one or more virtual cards, wherein the authentication data relates to a virtual card selected by the presenter, and wherein the issuer computer verifies the authentication data;
- receiving, by the network access device, a transaction request message from a relying party device of a relying party;
- transmitting, by the network access device, the transaction request message to the issuer computer;
- receiving, by the network access device, a transaction response message from the issuer computer, wherein the transaction response message includes transaction data relating to the selected virtual card;
- and
- transmitting, by the network access device, the transaction response message to the relying party device.
3 more elements
Dependencies are inferred from the claim text.