US Patent:
20200273031, Aug 27, 2020
Inventors:
Prasanna L. Narayan - San Ramon CA, US
Madhu Vasu - Foster City CA, US
Amarinder Bansal - Fremont CA, US
International Classification:
G06Q 20/40
G06Q 30/00
G06Q 20/38
G06Q 40/02
H04L 9/32
H04L 9/14
H04L 9/06
G06F 16/27
Abstract:
Disclosed are systems and methods for providing secure end-to-end transactions between consumers, merchants, and banks. A unique identifier is generated based on information specific to the device and information specific to the user and stored in a secure area of a device. A programming module executing on the device may initiate a transaction and interact with a merchant system to complete the transaction. Information provided by the programming module may enable the merchant system to negotiate with a banking system to complete the transaction. Profile information of a user may be collected by a programming module according to user selected preferences. An interface system may provide visual content to a merchant system and a banking system to verify consumer identity.