Connected device transaction code system

• US 10,366,389 B2
• Filed: 07/28/2016
• Issued: 07/30/2019
• Est. Priority Date: 07/28/2016
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Koganti, Krishna Prasad, McGee, Mark Douglas, Tseselsky, David, Louis, Brendan Xavier
• Primary Examiner(s): Poinvil, Frantzy
• Application Number:
  US15/222,767
• Publication Number:
  US 20180033003A1
• Time in Patent Office: 1,097 Days
• Field of Search: 705 3- 44
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/38215 Use of certificates or encrypted proofs of transaction rights
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes

Abstract

Described herein are systems and methods in which more secure methods are provided for a connected device to conduct transactions. In accordance with embodiments of the disclosure, a transaction code is generated and provided to the connected device. The transaction code may be stored in association with the information for the transaction such that when the transaction code is received at a transaction processing server, the transaction processing server is configured to generate an authorization request that includes the transaction information. The authorization request may then be routed to an authorization server associated with an account maintained by the transaction processing server.

Claims

1. A method comprising:

receiving, from a mobile device at a transaction processor, information related to a transaction to be conducted by a connected device, the information related to the transaction including at least an identifier for a resource provider of the transaction;

generating a transaction code to be stored in association with the information related to the transaction;

providing the generated transaction code to the mobile device, wherein the generated transaction code is provided to the connected device by the mobile device;

retrieving the information related to the transaction upon receiving the generated transaction code in a transaction request originating from the connected device; and

receiving an authorization request message that includes the information related to the transaction, wherein the information related to the transaction includes a maximum cost and the authorization request message is generated to include a resource cost included in the transaction request message upon determining that the resource cost is less than or equal to the maximum cost.

2. The method of claim 1, wherein the transaction request includes only the transaction code.

3. The method of claim 1, wherein the information related to the transaction to be conducted by the connected device also includes at least one of an indication of a resource, an indication of an amount of currency to be conveyed, or a device identifier associated with the connected device.

4. The method of claim 1, further comprising:

identifying, upon generating the transaction code, an access credential associated with the mobile device; and

storing the access credential in association with the information related to the transaction, wherein the authorization request message is generated to include the access credential.

5. The method of claim 4, further comprising routing the authorization request message to an authorization computer associated with the access credential.

6. The method of claim 4, wherein the access credential associated with the mobile device is identified by a user of the mobile device.

7. The method of claim 4, wherein the information related to the transaction includes the access credential.

8. The method of claim 7, wherein the access credential information is a token.

9. The method of claim 1, further comprising providing, to the mobile device, a notification directed toward a user of the mobile device, wherein the transaction code is generated upon receiving a response to the notification from the mobile device.

10. The method of claim 1, wherein the transaction code is provided to the mobile device via a push notification.

11. The method of claim 1, wherein generating the transaction code comprises creating an entry in a transaction database that includes the received information related to the transaction and the transaction code.

12. The method of claim 11, wherein retrieving the information related to the transaction comprises querying the transaction database based on the received transaction code.

13. The method of claim 1, wherein the transaction code is configured to be useable only by the connected device.

14. The method of claim 1, wherein the information related to the transaction includes a device identifier associated with the connected device and the method further comprises confirming that the transaction request includes the device identifier prior to generating the authorization request message.

15. The method of claim 1, wherein the transaction request includes an indication of the resource and the transaction code.