{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-11481779","patent":{"patent_number":"US-11481779","title":"System and method for authorizing a debit transaction without user authentication","assignee":null,"inventors":[],"filing_date":"2018-09-14T00:00:00.000Z","publication_date":"2022-10-25T00:00:00.000Z","cpc_codes":["G06Q","G06Q","G06Q","G06Q"],"num_claims":13,"abstract":"A method of authorizing a debit transaction involves a server receiving from a debit terminal an authorization request message requesting authorization for a debit transaction initiated from the debit terminal. The authorization request message includes a payment credential, a cryptogram and authorization data. The server authorizes the debit transaction without receiving confirmation of authenticity of an identity of an operator of the debit terminal. The server authorizes the debit transaction by confirming that the cryptogram was generated from the payment credential and the authorization data; determining from a database an account number and a default payment amount that is associated with the payment credential in the database, and debiting a financial account associated with the account number by a debit amount equal to the default payment amount. The server transmits to the terminal an authorization response message that authorizes the terminal to release funds in the debit amount."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"System and method for authorizing a debit transaction without user authentication","description":"A method of authorizing a debit transaction involves a server receiving from a debit terminal an authorization request message requesting authorization for a debit transaction initiated from the debit","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-11481779","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-11481779","citation_suggestion":"Patentable. \"System and method for authorizing a debit transaction without user authentication\" (US-11481779). https://patentable.app/patents/US-11481779","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-11481779","json":"https://patentable.app/api/llm-context/US-11481779","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-30T20:37:10.841Z"}