Patent ID: 11875331
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A method for conducting a secure payment transaction using a smart appliance and a remote point-of-sale (POS) system, the smart appliance comprising a merchant application and an electronic wallet application, the smart appliance in communication with the remote POS system through a network environment, comprising:
receiving, with the merchant application executing on the smart appliance, at least one identifier for at least one product to be purchased;
provisioning, on the smart appliance, a virtual card comprising an issuer key;
detecting, on the smart appliance, a checkout action for a transaction to be initiated between the virtual card and a merchant associated with the merchant application;
in response to detecting the checkout action on the smart appliance, transmitting an initial transaction message from the merchant application to the electronic wallet application executing on the smart appliance, the initial transaction message comprising transaction data;
receiving, with the electronic wallet application, the initial transaction message from the merchant application;
in response to the electronic wallet application receiving the initial transaction message, generating, with the electronic wallet application, a transaction message based at least partially on the initial transaction message;
generating, with the electronic wallet application, a cryptogram based at least partially on the transaction message and the issuer key stored on the smart appliance;
inserting, with the smart appliance, the cryptogram into a field of the transaction message; and
transmitting, with the smart appliance, the transaction message to the remote POS system.