Invention Grant
- Patent Title: Portable device loading mechanism for account access
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Application No.: US17049214Application Date: 2018-04-20
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Publication No.: US11748738B2Publication Date: 2023-09-05
- Inventor: Yuexi Chen , Simon Hurry
- Applicant: Visa International Service Association
- Applicant Address: US CA San Francisco
- Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
- Current Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
- Current Assignee Address: US CA San Francisco
- Agency: Kilpatrick Townsend & Stockton LLP
- International Application: PCT/US2018/028677 2018.04.20
- International Announcement: WO2019/203853A 2019.10.24
- Date entered country: 2020-10-20
- Main IPC: G06Q20/32
- IPC: G06Q20/32 ; G06Q20/38 ; G06Q20/02 ; H04L9/08 ; H04L9/32

Abstract:
Described herein are a system and techniques for updating balance information for a disbursement module on a portable device using a transaction module on that same portable device. In some embodiments, each of the transaction module and the disbursement module may be associated with a different transaction processing system. A client device may be used to interact with the transaction module of the portable device via a communication element. In some embodiments, the client device may be configured to receive an account identifier from the transaction module, generate and transmit an authorization request message to an authorization entity, and upon receiving authorization from the authorization entity, cause the transaction module on the portable device to update a balance associated with the disbursement module.
Public/Granted literature
- US20210256495A1 PORTABLE DEVICE LOADING MECHANISM FOR ACCOUNT ACCESS Public/Granted day:2021-08-19
Information query