Is a
Patent attributes
Patent Jurisdiction
Patent Number
Date of Patent
December 31, 2019
Patent Application Number
14102332
Date Filed
December 10, 2013
Patent Citations Received
Patent Primary Examiner
Patent abstract
Embodiments of the invention can combine card not present transaction processing with PIN verification. A merchant or a consumer can initiate transactions using any suitable transaction initiation channel. One aspect of the invention helps facilitate payment card authentication across multiple wallet providers/merchants using an encrypted card PIN and a digital certificate. One aspect of the invention can incorporate the use of different transaction networks to perform authentication and authorization processing.
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