Is a
Patent attributes
Patent Jurisdiction
Patent Number
Patent Inventor Names
James Dene Dimmick0
Date of Patent
May 7, 2024
0Patent Application Number
166899940
Date Filed
November 20, 2019
0Patent Citations
...
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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