| 主权项 |
1. A method comprising:
receiving, at a virtual card system comprising a data processing apparatus, data from a user device describing a computer-generated image captured by the user device as presented to the user device using a display device of a terminal device at a location of a transaction involving the user device and the terminal device; determining, at the virtual card system, that the user device and the terminal device are engaged in the transaction and that the user device is used to pay for the transaction based at least in part on the data; and virtualizing, at the virtual card system, local interactions of a payment device with the terminal device based on authenticating the transaction, wherein virtualizing the interactions comprises the virtual card system exchanging messages with the terminal device over a network according to a protocol corresponding to the payment device and the terminal device. |
