The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
May. 26, 2020
Filed:
Mar. 28, 2017
Applicant:
Visa International Service Association, San Francisco, CA (US);
Inventors:
Prasanna L. Narayan, San Ramon, CA (US);
Phillip Kumnick, Phoenix, AZ (US);
Madhu Vasu, Foster City, CA (US);
Assignee:
Visa International Service Association, San Francisco, CA (US);
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/40 (2012.01); H04L 29/06 (2006.01); G06Q 20/02 (2012.01); G06Q 20/12 (2012.01); G06Q 20/38 (2012.01); G07C 9/30 (2020.01); H04L 9/32 (2006.01); G07C 9/00 (2020.01);
U.S. Cl.
CPC ...
G06Q 20/4018 (2013.01); G06Q 20/02 (2013.01); G06Q 20/12 (2013.01); G06Q 20/385 (2013.01); G06Q 20/3821 (2013.01); G06Q 20/405 (2013.01); G06Q 20/4014 (2013.01); G07C 9/00174 (2013.01); G07C 9/30 (2020.01); H04L 9/3297 (2013.01); H04L 63/062 (2013.01); H04L 63/0807 (2013.01); H04L 63/0838 (2013.01); H04L 63/0846 (2013.01); H04L 63/0892 (2013.01); H04L 63/10 (2013.01); H04L 63/107 (2013.01); H04L 2209/56 (2013.01); H04L 2463/121 (2013.01);
Abstract
A method for tokenizing credentials is disclosed. In addition to a token, a verification value can be provided for each interaction. The verification value can be generated based at least in part on a dynamic data element. The dynamic data element may be kept secret, while the verification value can be distributed for use during an interaction. When the verification value is used, it can be validated by re-creating the verification value based at least on the stored dynamic data element.