CERTIFICATE-AUTHENTICATED, TAG-INITIATED DORMANT TRANSACTION APPLICATION APPARATUSES, METHODS AND SYSTEMS

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United States of America Patent

APP PUB NO 20150032603A1
SERIAL NO

14204599

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Abstract

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The CERTIFICATE-AUTHENTICATED, TAG-INITIATED DORMANT TRANSACTION APPLICATION APPARATUSES, METHODS AND SYSTEMS (“DPA”) transforms NFC, virtual wallet, and authentication inputs into application launch instructions and transaction information outputs. In some implementations, this may be achieved via obtaining an indication that a user device is in proximity to an NFC tag, where the NFC tag is associated with a merchant. Based on the indication, contents of the NFC tag are obtained. The contents include an authentication certificate for the merchant. The NFC tag is authenticated using the authentication certificate, where the authenticating of the NFC tag generates an authentication result indicating a validity of the NFC tag. An application launch instruction is provided to the user device based on the authentication result. The application launch instruction is processed at the user device to open an application associated with the merchant on the user device.

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Patent Owner(s)

Patent OwnerAddress
VISA INTERNATIONAL SERVICE ASSOCIATIONPO BOX 8999 SAN FRANCISCO CA 94128

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Rutherford, Robert Foster City, US 17 1049

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