- 专利标题: Multi-device transaction verification
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申请号: US16681692申请日: 2019-11-12
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公开(公告)号: US11238457B2公开(公告)日: 2022-02-01
- 发明人: Kim Wagner , John F. Sheets , Mark Nelsen , Jing Jin
- 申请人: Visa International Service Association
- 申请人地址: US CA San Francisco
- 专利权人: Visa International Service Association
- 当前专利权人: Visa International Service Association
- 当前专利权人地址: US CA San Francisco
- 代理机构: Kilpatrick Townsend & Stockton LLP
- 主分类号: G06Q20/40
- IPC分类号: G06Q20/40 ; G06Q20/32 ; H04L29/06 ; H04W12/08 ; H04W12/06 ; H04W12/069 ; H04W12/084
摘要:
When a user enters a resource provider location with a portable communication device, the portable communication device provides an indication to a transaction processing system that the portable communication device is currently at the resource provider location. At a later time when the user conducts a transaction with a portable transaction device, the fact that the user's portable communication device had been detected at the resource provider a short time ago is taken into account as a positive indicator that the transaction is not fraudulent. By verifying that both the portable communication device and the portable transaction device are present at the resource provider, the risk of approving a fraudulent transaction from a stolen portable transaction device can be reduced.
公开/授权文献
- US20200082408A1 MULTI-DEVICE TRANSACTION VERIFICATION 公开/授权日:2020-03-12
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