Interoperable mobile-initiated transactions with dynamic authentication

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United States of America Patent

PATENT NO 12008554
APP PUB NO 20230117833A1
SERIAL NO

18068401

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Abstract

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A transaction is pre-staged by providing transaction preferences, such as a financial instrument, a transaction type, and a transaction amount, to a user device. The user device captures a visual code at a terminal, such as an ATM. The visual code includes terminal attributes, including a signed hash and call-back URI. The user device authenticates the visual code using the signed hash and requests the transaction through the issuer server. The issuer server creates and sends the card data to the call-back URI. The terminal uses the card data to create a transaction request it routes to through its acquirer server.

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Patent Owner(s)

  • ITS, INC.

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Green, Scott Johnston, US 23 260
Nathwani, Manish Johnston, US 7 25

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