US 12,470,391 B2
Multiple interaction processing
Santosh Lachhman Achhra, Singapore (SG); and Anirudh Srinivas Madhavan, Singapore (SG)
Assigned to Visa International Service Association, San Francisco, CA (US)
Appl. No. 18/689,390
Filed by Visa International Service Association, San Francisco, CA (US)
PCT Filed Aug. 23, 2022, PCT No. PCT/US2022/041256
§ 371(c)(1), (2) Date Mar. 5, 2024,
PCT Pub. No. WO2023/043589, PCT Pub. Date Mar. 23, 2023.
Claims priority of provisional application 63/244,446, filed on Sep. 15, 2021.
Prior Publication US 2024/0372728 A1, Nov. 7, 2024
Int. Cl. H04L 9/32 (2006.01); H04L 9/08 (2006.01)
CPC H04L 9/3228 (2013.01) [H04L 9/0863 (2013.01); H04L 9/3213 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
receiving, by a processing computer, a group interaction request message for a group interaction from a user device within a group of user devices;
responsive to receiving the group interaction request message, determining, by the processing computer, a token;
providing, by the processing computer, the token to the user device;
receiving, by the processing computer, an authorization request message comprising the token;
responsive to receiving the authorization request message, generating a one-time password, the one-time password comprising a plurality of password portions;
transmitting, by the processing computer, the plurality of password portions to the group of user devices, respectively;
receiving, by the processing computer, from one of the user devices within the group of user devices, the one-time password; and
initiating, by the processing computer, authorization of the group interaction using credentials associated with user devices in the group of user devices.