Multi-device transaction verification

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 10210521
APP PUB NO 20160277380A1
SERIAL NO

15072636

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Importance

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Abstract

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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.

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Patent Owner(s)

  • VISA INTERNATIONAL SERVICER ASSOCIATION

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Jin, Jing Burlingame, US 150 1559
Nelsen, Mark Oakland, US 16 477
Sheets, John F San Francisco, US 67 2782
Wagner, Kim Sunnyvale, US 44 1150

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