{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-11468444","patent":{"patent_number":"US-11468444","title":"Method and system for bypassing merchant systems to increase data security in conveyance of credentials","assignee":null,"inventors":[],"filing_date":"2017-12-18T00:00:00.000Z","publication_date":"2022-10-11T00:00:00.000Z","cpc_codes":["G06Q","G06Q","G06Q","G06Q","H04L","H04L","H04L","H04L"],"num_claims":16,"abstract":"A method for transaction initiation with a bypass of merchant systems includes: storing a consumer public key and a blockchain comprised of a plurality of blocks, each block being comprised of a block header and data values, each block header including a block timestamp, and each data value including a unique transaction identifier; receiving a data message originating from a merchant system including a specific transaction identifier, a transaction timestamp, and transaction data; identifying a specific data value in a specific block that includes the specific transaction identifier; verifying that the block timestamp in the specific block is within a predetermined period of time of the transaction timestamp; identifying payment credentials associated with a user transaction account corresponding to the specific data value; and initiating a payment transaction between the merchant system and the transaction account using the identified payment credentials and transaction data."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Method and system for bypassing merchant systems to increase data security in conveyance of credentials","description":"A method for transaction initiation with a bypass of merchant systems includes: storing a consumer public key and a blockchain comprised of a plurality of blocks, each block being comprised of a block","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-11468444","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-11468444","citation_suggestion":"Patentable. \"Method and system for bypassing merchant systems to increase data security in conveyance of credentials\" (US-11468444). https://patentable.app/patents/US-11468444","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-11468444","json":"https://patentable.app/api/llm-context/US-11468444","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-31T07:44:36.766Z"}