Shield-up system and method for payment transactions
AssigneeVisa International Service Association
InventorsMRUDUL UCHIL, SHAKTI NILESH
Life of this patent
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Abstract
In some embodiments, a computer-implemented method, includes determining, at a communication device, whether a user of a payment application on the communication device desires additional security underlying the payment application; when the user of the communication device desires the additional security, ascertaining user-specific information from the payment application; generating a frontend security framework specific to the user of the payment application; mapping the frontend security framework to the user-specific information; and utilizing the frontend security framework to secure a payment transaction conducted using the payment application.
Claims20
A computer-implemented method, comprising:
- determining, at a communication device, whether a user of a payment application on the communication device desires additional security underlying the payment application;
- when the user of the communication device desires the additional security, generating a payment transaction shield underlying the payment application;
- ascertaining user-specific information from the payment application;
- generating, as part of the payment transaction shield, a frontend security framework specific to the user of the payment application;
- mapping the frontend security framework to the user-specific information;
- and
- utilizing the frontend security framework to authorize a payment transaction conducted using the payment application.
A system, comprising:
- a processor;
- and
- a non-transitory computer readable medium coupled to the processor, the non-transitory computer readable medium including code that:
- determines whether a user of a payment application on the communication device desires additional security underlying the payment application;
- when the user of the communication device desires the additional security, ascertains user-specific information from the payment application;
- generates a frontend security framework specific to the user of the payment application;
- maps the frontend security framework to the user-specific information;
- and
- utilizes the frontend security framework to secure a payment transaction conducted using the payment application.
A computer-implemented method, comprising:
- attaining user-specific information from a user of Unified Payments Interface (UPI)-based payment application;
- generating a user-specific frontend security framework based upon the user-specific information;
- overlaying the user-specific security framework over the UPI-based payment application;
- and
- utilizing the user-specific security framework to secure a payment transaction utilizing the UPI-based payment application, the user-specific security framework being configured to self-correct the payment transaction based upon user conduct.
Dependencies are inferred from the claim text.