US 12,135,775 B2
System and method employing reduced time device processing
Simon Hurry, San Francisco, CA (US); Aron Clark, San Jose, CA (US); and Marc Cleven, Foster City, CA (US)
Assigned to Visa International Service Association, San Francisco, CA (US)
Filed by VISA INTERNATIONAL SERVICE ASSOCIATION, San Francisco, CA (US)
Filed on Jul. 13, 2022, as Appl. No. 17/863,699.
Application 17/863,699 is a division of application No. 16/741,412, filed on Jan. 13, 2020, granted, now 11,423,134.
Application 16/741,412 is a continuation of application No. 16/030,735, filed on Jul. 9, 2018, granted, now 10,572,646, issued on Feb. 25, 2020.
Application 16/030,735 is a continuation of application No. 15/171,982, filed on Jun. 2, 2016, granted, now 10,073,962, issued on Sep. 11, 2018.
Claims priority of provisional application 62/317,450, filed on Apr. 1, 2016.
Prior Publication US 2022/0342975 A1, Oct. 27, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06F 21/34 (2013.01); G06F 21/35 (2013.01); G06F 21/60 (2013.01); G06Q 20/40 (2012.01); H04L 9/40 (2022.01)
CPC G06F 21/34 (2013.01) [G06F 21/35 (2013.01); G06F 21/602 (2013.01); G06Q 20/409 (2013.01); H04L 63/0853 (2013.01); G06F 2221/2141 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
physically contacting, by an access device, a user device;
receiving, by the access device, credentials from the user device for a transaction;
storing, by the access device, the credentials;
allowing, by the access device, the user device to be removed from the access device before an authorization response message for the transaction is received from an authorizing entity computer, wherein allowing the user device to be removed from the access device comprises completing communications with the user device, and completing the communications with the user device comprises sending a message to the user device:
(a) informing the user device that the transaction is completed, even though the authorization response message has not yet been received at the access device, or
(b) informing the user device that transaction authorization will be deferred or declined because online authorization is not available, wherein online authorization is available in reality;
generating, by the access device, an authorization request message for the transaction while the user device is physically separated from the access device;
transmitting, by the access device, the authorization request message to the authorizing entity computer while the user device is physically separated from the access device; and
receiving, by the access device, the authorization response message for the transaction from the authorizing entity computer while the user device is physically separated from the access device.