US 12,086,777 B2
Method of performing transactions with contactless payment devices using pre-tap and two-tap operations
Christian Aabye, Morgan Hill, CA (US); Hao Ngo, San Jose, CA (US); and David William Wilson, London (GB)
Assigned to Visa International Service Association, San Francisco, CA (US)
Filed by Visa International Service Association, San Francisco, CA (US)
Filed on Dec. 9, 2021, as Appl. No. 17/546,922.
Application 17/546,922 is a division of application No. 15/695,568, filed on Sep. 5, 2017, granted, now 11,232,427.
Application 15/695,568 is a continuation of application No. 12/563,444, filed on Sep. 21, 2009, granted, now 9,824,355, issued on Nov. 21, 2017.
Claims priority of provisional application 61/099,060, filed on Sep. 22, 2008.
Prior Publication US 2022/0101298 A1, Mar. 31, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/00 (2012.01); G06Q 20/10 (2012.01); G06Q 20/20 (2012.01); G06Q 20/32 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G06Q 40/12 (2023.01)
CPC G06Q 20/20 (2013.01) [G06Q 20/10 (2013.01); G06Q 20/202 (2013.01); G06Q 20/204 (2013.01); G06Q 20/32 (2013.01); G06Q 20/322 (2013.01); G06Q 20/3224 (2013.01); G06Q 20/326 (2020.05); G06Q 20/3278 (2013.01); G06Q 20/382 (2013.01); G06Q 20/3829 (2013.01); G06Q 20/40 (2013.01); G06Q 40/12 (2013.12)] 6 Claims
OG exemplary drawing
 
1. A method of conducting a payment transaction, comprising:
receiving, by an issuer computer of an issuer, an authorization request message in connection with a payment transaction, wherein the authorization request message requests authorization to conduct the payment transaction between a payment device and a merchant, wherein the authorization request message includes data presented to a device reader of the merchant from the payment device, the data identifying a payment account issued by the issuer, wherein the payment device includes a mobile communication device including a contactless element that communicates and transfers data using a wireless communications technology, a circuitry that communicates and transfers data using a cellular network, and a memory that stores a payment application;
processing, by the issuer computer, the payment transaction using the payment account issued by the issuer;
generating an authorization response message including a result of processing the payment transaction;
transmitting the authorization response message to the device reader;
after completion of the payment transaction between the payment device and the merchant, determining, by the issuer computer, that an issuer update is required for the payment device, wherein the issuer update includes one or more of configuring a function of the payment device, enabling a function of the payment device, or disabling a function of the payment device;
receiving, by the issuer computer, an initial cryptogram from payment device;
generating, by the issuer computer based on the initial cryptogram, a cryptogram for confirming an authenticity of the issuer; and
transmitting, by the issuer computer, the cryptogram and an issuer update message to the payment device through the cellular network, wherein the issuer update message includes a script or a command to be executed on the payment device.