US 11,948,131 B2
System and method for device transaction authorization
Nithyaraj G S, Erode (IN)
Assigned to VISA INTERNATIONAL SERVICE ASSOCIATION, San Francisco, CA (US)
Filed by Visa International Service Association, San Francisco, CA (US)
Filed on Mar. 2, 2022, as Appl. No. 17/684,512.
Prior Publication US 2023/0281576 A1, Sep. 7, 2023
Int. Cl. G06Q 20/02 (2012.01); G06Q 20/30 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/02 (2013.01) [G06Q 20/308 (2020.05); G06Q 20/401 (2013.01)] 16 Claims
OG exemplary drawing
 
1. A computer-implemented method, comprising:
registering a user device and a first internet-of-things (IOT) device for use in a transaction-by-proxy service;
configuring the user device to control the first IOT device by utilizing the registration of the user device as a control device and the registration of the IOT device as non-control device;
utilizing a device identifier and an application programming interface identifier for each device during the registration of the user device and the first IOT device;
collecting behavior-related data associated with a user of the user device and the first IOT device;
generating an access hub for the user to utilize the transaction-by-proxy service, the access hub being configured to allow the user to access and control the transaction-by-proxy service; and
using the behavior-related data as part of the transaction-by-proxy service to generate a transaction-by-proxy at the first IOT device on behalf of the user of the user device, wherein in order to determine whether to approve a request for the transaction-by-proxy, a transaction-by-proxy accuracy score is compared to a transaction-by-proxy accuracy threshold.