Seamless transaction minimizing user input

A user and transaction technology, applied in data processing applications, payments involving neutral parties, agreement authorization, etc., can solve problems such as process inefficiency

Active Publication Date: 2018-03-27
VISA INT SERVICE ASSOC
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

For example, the traditional process is inefficient because it requires multiple input instances of user credentials across services

Method used

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  • Seamless transaction minimizing user input
  • Seamless transaction minimizing user input
  • Seamless transaction minimizing user input

Examples

Experimental program
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Embodiment Construction

[0024] Embodiments of the invention relate to systems, methods, devices, and computer-readable media for conducting transactions that minimize user input. In some embodiments, a user may conduct a transaction utilizing a first mobile application on a mobile device, which may request access to a service associated with a second mobile application. The second mobile application may be associated with an authorized computer hosting one or more accounts associated with the user. The intermediary server computer may store the account data received from the authorizing computer in association with the registration data received from the user during the registration process. During the transaction, the intermediary server computer may provide at least a portion of the account data to the first mobile application.

[0025] Registration data stored in the intermediate server computer may identify a user across multiple entities. For example, enrollment data may include a user's alias...

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PUM

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Abstract

A user can utilize a first application to register their accounts with an alias identifier at an intermediary server computer. At a later time, the user may request access to information stored at theintermediary server computer to conduct a transaction with a certain resource providing entity for the first time. The resource providing entity may retrieve stored user data associated with the userand may send the user data to the intermediary server computer, which can determine accounts of the user based on the received user data and provide account options to the user for the transaction. This eliminates the need for the user to enter any account information into a device during the transaction.

Description

Background technique [0001] Traditionally, online transactions have involved one or more instances in which a user enters account information. For example, when a user is using an application that provides services associated with multiple entities, each entity may require its own authorization process before allowing the user to access their services. This would result in the user entering multiple sets of credentials (eg, username and password) during each transaction. This can be troublesome since it is difficult for a user to keep track of multiple credentials. In addition, transactions can take an unnecessarily long time. [0002] As an illustration, a user using an application associated with a first party may wish to access a service associated with a second party. If the user attempts to access the service through their application, the user may have to enter their credentials associated with the second party before proceeding. If the credentials are approved by th...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/38G06Q20/02G06Q20/32G06Q20/40
CPCG06Q20/02G06Q20/20G06Q20/325G06Q20/3278G06Q20/36G06Q20/40145G06Q20/322
Inventor T·珀弗斯
Owner VISA INT SERVICE ASSOC
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