Patent SG-11201909589S-A (SG)
Title: System, method, and apparatus for conducting a secure transaction using a remote point-of-sale system
Inventor: WANG QUAN
IPC: G06Q20/00
Filed: 2017-04-19
Abstract: Issuerinstitution )k Transaction processing server 102 remote POS 104 Merchant server 1 1 8 Merchant store 120 1000 FIG. 1 00 00 O O (12) INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property Organization International Bureau (43) International Publication Date 25 October 2018 (25.10.2018) W I PO I PCT 0111111010 0111 °nolo Oil mo IH VIII oimIE (10) International Publication Number WO 2018/194581 Al (51) International Patent Classification: G06Q 20/00 (2012.01) G06Q 20/36 (2012.01) (21) International Application Number: PCT/US2017/028330 (22) International Filing Date: 19 April 2017 (19.04.2017) (25) Filing Language: English (26) Publication Language: English (71) Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION [US/US]; P.O. Box 8999, San Francisco, California 94128 (US). (72) Inventors: WANG, Quan; 1110 Decatur Street, Foster City, California 94404 (US). CHEN, Yuexi; 505 Cutwa- ter Ln, Foster City, California 94404 (US). BHATT, Shiv; 1 Market Plaza, Ste 600, San Francisco, California 94105 (US). (74) Agent: PREPELKA, Nathan, J. et al.; The Webb Law Firm, One Gateway Center, 420 Ft. Duquesne Blvd., Suite 1200, Pittsburgh, Pennsylvania 15222 (US). (81) Designated States (unless otherwise indicated, for every kind of national protection available): AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW. (54) Title: SYSTEM, METHOD, AND APPARATUS FOR CONDUCTING A SECURE TRANSACTION USING A REMOTE POINT-OF-SALE SYSTEM (57) : Provided is a computer-implemented method for conducting a secure payment transaction for a purchase at a merchant using a client device and a remote point-of-sale (POS) system associated with the merchant. The method includes receiving, with a client device, at least one identifier for at least one product to be purchased, the at least one product associated with a transaction value, and detecting a checkout action with the client device. In response to detecting the checkout action, the method includes generating at least one transaction message based on the transaction value of the at least one item to be purchased and at least one account identifier, generating a cryptogram based at least partially on the at least one transaction message and the at least one issuer key, and transmitting the cryptogram to the remote POS system associated with the merchant. A system and computer program product are also disclosed. [Continued on next page] WO 2018/194581 Al O II (84) Designated States (unless otherwise indicated, for every kind of regional protection available): ARIPO (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG). Published: — with international search report (Art. 21(3))