Systems and methods for code display and use

A code and user technology, applied in the field of systems and methods for code display and use, to solve problems such as resource providers sharing sensitive information

Active Publication Date: 2018-09-28
VISA INT SERVICE ASSOC
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, users may not want to share their sensitive information with resource providers due to security concerns

Method used

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  • Systems and methods for code display and use
  • Systems and methods for code display and use
  • Systems and methods for code display and use

Examples

Experimental program
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Embodiment Construction

[0023] Embodiments of the invention relate to systems and methods that allow users to perform transactions (eg, payment transactions, access transactions, etc.) using their communication devices. To complete the transaction, the resource provider electronically generates a code representing the transaction data and displays it on the accessing device. For example, the user scans the code with his communication device using a camera associated with the communication device. The code is interpreted by an application on the communication device. A user may request and receive a token at the communication device corresponding to sensitive information selected to perform the transaction (eg, primary account number). Thereafter, the user may provide the token and transaction data to the server computer through the communication device, and the server computer may use the transaction data and token to facilitate the completion of the transaction between the user and the resource pro...

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PUM

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Abstract

Embodiments of the present invention relate to systems and methods that allow users to use their communication devices to perform transactions (e.g., payment transactions, access transactions, etc.).To complete a transaction, a resource provider electronically generates a code representing transaction data and displays it on an access device. The user scans the code with his or her communicationdevice using a camera associated with the communication device, for example. The code is interpreted by an application on the communication device. The user may request and receive a token at the communication device corresponding to sensitive information selected to perform the transaction (e.g., a primary account number). The user may then provide the token and the transaction data via the communication device to a server computer, which may facilitate completion of the transaction between the user and the resource provider using the transaction data and the token.

Description

[0001] Cross References to Related Applications [0002] This application claims the benefit of U.S. Provisional Patent Application No. 62 / 289,695, entitled TRANSACTION SY STEMS ANDMETHODS FOR MERCHANT CODE DISPLAY AND U SE, filed February 1, 2016, which is hereby incorporated by reference in its entirety. Background technique [0003] Transactions are usually authenticated by the user when the resource provider requests the transaction. For example, a cardholder can authenticate a purchase at a point of sale. A user's sensitive information, such as a primary account number (PAN), access number, or PIN number, may be conveyed by the device used to effect the transaction (eg, credit card, mobile device, communication device, security device, etc.). However, users may not want to share their sensitive information with resource providers due to security concerns. [0004] Therefore, there is a need for a secure and efficient way to provide more users with the ability to use th...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): H04L9/32
CPCG06Q20/3276G06Q20/385G06Q30/0253G06Q20/382G06Q20/401G06Q20/3821G06K7/1417G06Q20/4018
Inventor C·弗卢夏姆G·鲍威尔C·阿艾拜J·吉塔丽亚E·王
Owner VISA INT SERVICE ASSOC
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