US 12,321,941 B2
Electronic transaction system
Onkar S. Bahia, London (GB); Jacques Antoine-Godet, London (GB); Edward Cummins, London (GB); and Klaus Kroger, London (GB)
Assigned to VISA EUROPE LIMITED, London (GB)
Filed by Visa Europe Limited, London (GB)
Filed on Aug. 3, 2023, as Appl. No. 18/365,175.
Application 18/365,175 is a continuation of application No. 17/046,628, granted, now 11,763,307, previously published as PCT/GB2019/051011, filed on Apr. 5, 2019.
Prior Publication US 2023/0376958 A1, Nov. 23, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/10 (2012.01); G06Q 20/32 (2012.01); G06Q 40/02 (2023.01); G06V 40/12 (2022.01)
CPC G06Q 20/40145 (2013.01) [G06Q 20/108 (2013.01); G06Q 20/3221 (2013.01); G06Q 40/02 (2013.01); G06V 40/1365 (2022.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
receiving, by a validation server from a payment service provider server, transaction details for an electronic transaction initiated by a participant, a non-financial identifier for a user, and a verification code generated using time data provided by the user and seed data;
determining a generated verification code using the time data and stored seed data associated with the user;
comparing the verification code to the generated verification code that is generated using the time data and stored seed data associated with the user;
verifying the verification code upon determining that the verification code matches the generated verification code;
sending, to a validation application executing on a mobile communications device of the user and using the non-financial identifier, the transaction details via a push notification presented on the mobile communications device;
receiving, from the validation application on the mobile communications device, authorization data and authentication data of the user that is captured by the validation application and an associated biometric sensor;
comparing, the authentication data to stored authentication data previously received from the validation application to confirm an identity of the user;
confirming the identity of the user upon finding a match between the authentication data and the stored authentication data;
retrieving, from a database storing a mapping between a financial identifier of the user and the authentication data, the financial identifier identifying an account associated with the user in response to confirming the identity of the user; and
transmitting, by the validation server to the payment service provider server, the financial identifier, wherein an authorization request message comprising the financial identifier instead of a telephone number of the user is transmitted to an issuing bank, wherein the issuing bank authorizes or declines the authorization request message.