Transaction authorization

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 11775959
APP PUB NO 20170278094A1
SERIAL NO

15621577

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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Methods, apparatus and computer programs for authorizing transactions are described. A server system receives, from a first computing device, verification information relating to a verification process for verifying a user associated with the first computing device. A verification status associated with the user is set in a memory of the server system, based on the verification information. The server system receives an authorization request for a payment transaction from a payment terminal, the request including an identifier associated with the user, and having been provided to the payment terminal by a payment device different from the first computing device. Responsive to receipt of the authorization request, the verification status associated with the user is identified, and a determination as to whether to authorize the payment transaction is made at least partly on the basis of the identified verification status.

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Patent Owner(s)

  • VISA EUROPE LIMITED

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Mackie, Nicolas David London, GB 5 0

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Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
3.5 Year Payment $1600.00 $800.00 $400.00 Apr 3, 2027
7.5 Year Payment $3600.00 $1800.00 $900.00 Apr 3, 2031
11.5 Year Payment $7400.00 $3700.00 $1850.00 Apr 3, 2035
Fee Large entity fee small entity fee micro entity fee
Surcharge - 3.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00