# US 2014/0207684 A1 · Method and system for payment authorization and card presentation using pre-issued identities > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2014/0207684 A1 - Document ID: US20140207684A1 - Status: Published application - Kind: A1 - Application number: 14/225,330 - Filed: 2014-03-25 - Published: 2014-07-24 - Earliest claimed: 2007-05-18 - Assignees: Visa International Service Association - Inventors: Kiushan Pirzadeh; Simon Hurry; Thomas Manessis - Web page: https://patentgrep.com/patent/US20140207684A1 ## CPC - G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists - G06F 21/31: User authentication - G06F 21/34: involving the use of external additional devices, e.g. dongles or smart cards - G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems - G06Q 30/06: Buying, selling or leasing transactions - G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) - G06F 2221/2103: Challenge-response - G06F 2221/2135: Metering - G06F 2221/2141: Access rights, e.g. capability lists, access control lists, access tables, access matrices - 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 - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) ## 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. ## Claims ### Claim at position 1 1-25. (canceled) ### Claim 26 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. ### Claim 27 (depends on 26) The method of claim 26, wherein the network access device is a mobile device. ### Claim 28 (depends on 26) The method of claim 26, wherein the transaction request message from the relying party device includes a form fill request for the transaction data relating to the selected virtual card. ### Claim 29 (depends on 26) The method of claim 26, wherein the transaction response message includes a message signature, and wherein the relying party device proceeds with the transaction after verifying the authenticity of the message signature. ### Claim 30 (depends on 26) The method of claim 26, wherein the transaction data includes track 2 data or chip data relating to the selected virtual card. ### Claim 31 (depends on 26) The method of claim 26, wherein the transaction response message includes an authorization of the transaction. ### Claim 32 (depends on 31) The method of claim 31, further comprising: receiving, by the computer, a settlement request message from the relying party device. ### Claim 33 (depends on 26) The method of claim 26, wherein the transaction data relating to the selected virtual card includes an indication that the authentication data is verified. ### Claim 34 (depends on 26) The method of claim 26, further comprising: transferring, by the computer, funds for the transaction into a deposit account associated with the relying party. ### Claim 35 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. ### Claim 36 (depends on 35) The computer of claim 35, wherein the network access device is a mobile device. ### Claim 37 (depends on 35) The computer of claim 35, wherein the transaction request message from the relying party device includes a form fill request for the transaction data relating to the selected virtual card. ### Claim 38 (depends on 35) The computer of claim 35, wherein the transaction response message includes a message signature, and wherein the relying party device proceeds with the transaction after verifying the authenticity of the message signature. ### Claim 39 (depends on 35) The computer of claim 35, wherein the transaction data includes track 2 data or chip data relating to the selected virtual card. ### Claim 40 (depends on 35) The computer of claim 35, wherein the transaction response message includes an authorization of the transaction. ### Claim 41 (depends on 40) The computer of claim 40, wherein the method further comprises: receiving a settlement request message from the relying party device. ### Claim 42 (depends on 35) The computer of claim 35, wherein the transaction data relating to the selected virtual card includes an indication that the authentication data is verified. ### Claim 43 (depends on 35) The computer of claim 35, wherein the method further comprises: transferring funds for the transaction into a deposit account associated with the relying party. ### Claim 44 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. ### Claim 45 (depends on 44) The method of claim 44, wherein the network access device is a mobile device.