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

Claim 10:
11. A computer program product 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 at least one non-transitory computer-readable medium comprising program instructions that, when executed by a processor of the smart appliance, cause the smart appliance to:
receive, with the merchant application executing on the smart appliance, at least one identifier for at least one product to be purchased;
provision, on the smart appliance, a virtual card comprising an issuer key;
detect, 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, generate an initial transaction message comprising transaction data;
transmit the initial transaction message from the merchant application to the electronic wallet application;
receive, by the electronic wallet application, the initial transaction message from the merchant application;
in response to receiving the initial transaction message, generate a transaction message based at least partially on the initial transaction message;
generate a cryptogram based at least partially on the transaction message and the issuer key stored on the smart appliance;
insert the cryptogram into a field of the transaction message; and
transmit the transaction message to the remote POS system.