Smart device system and method of use
AssigneeVisa International Service Association
InventorsSivanarayana Gaddam, Hao Yang, Atul Luykx, Andreas Aabye, Simon Hurry, Yuexi Chen
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AssigneeVisa International Service Association
InventorsSivanarayana Gaddam, Hao Yang, Atul Luykx, Andreas Aabye, Simon Hurry, Yuexi Chen
Estimating the term…
A smart device is provided between a transaction terminal (e.g. an access device, a point of sale terminal) and a payment card to facilitate a secure transaction. The smart device receives transaction details from the transaction terminal. The transaction terminal suspends the transaction. The smart device is brought in communication with a payment device in control of the user (e.g. the user of the payment device does not hand over the payment device to a merchant, clerk, waitstaff). The smart device receives a cryptogram identifying an account from the payment device and transmits the cryptogram to the transaction terminal. The transaction terminal resumes the transaction, generates a transaction authorization request message including the cryptogram, and transmits the transaction authorization request message to an issuer of the account. The transaction terminal receives an authorization response message from the issuer, and notifies the smart device of the transaction being approved or declined.
A method comprising:
An access device comprising:
A method comprising:
Dependencies are inferred from the claim text.