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.

Date of Patent:
Aug. 22, 2023

Filed:

Jan. 04, 2022
Applicant:

Visa International Service Association, San Francisco, CA (US);

Inventors:

Gyan Prakash, Foster City, CA (US);

Ajit Gaddam, Foster City, CA (US);

Selim Aissi, Dublin, CA (US);

Christian Aabye, Redwood City, CA (US);

Assignee:

Visa International Service Association, San Francisco, CA (US);

Attorney:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06Q 20/38 (2012.01); G06Q 20/32 (2012.01); G06Q 20/36 (2012.01); G06Q 20/40 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/3829 (2013.01); G06Q 20/322 (2013.01); G06Q 20/3823 (2013.01); G06Q 20/326 (2020.05); G06Q 20/3265 (2020.05); G06Q 20/36 (2013.01); G06Q 20/3825 (2013.01); G06Q 20/401 (2013.01); G06Q 20/4015 (2020.05); G06Q 2220/00 (2013.01);
Abstract

Embodiments of the invention provision multiple payment tokens on a communication device. The communication device may be provisioned with multiple limited use keys (LUK), each LUK being associated with a specific type of transaction. When the communication device is used for a transaction, the communication device automatically determines a type of the transaction and selects an appropriate LUK based on the determined transaction type. The selected LUK may be used to create a cryptogram, which can be used to verify the transaction.


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