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. 28, 2024
Filed:
Jan. 07, 2022
Visa International Service Association, San Francisco, CA (US);
Erick Wong, Vancouver, CA;
VISA INTERNATIONAL SERVICE ASSOCIATION, San Francisco, CA (US);
Abstract
According to one embodiment of the invention, a subtoken corresponding to a primary token is generated. The primary token corresponds to a credential. The credential may be, for example, a primary account number (PAN) corresponding to a payment account. The subtoken may be a temporary, one-time use subtoken based on a primary token associated with the credential that allows a user to conduct a transaction from his or her account, while still providing security for the user's sensitive data. The subtoken may contain a header and an obfuscated portion. The header of the subtoken routes the subtoken to the entity issuing the subtoken for translation into the primary token. The obfuscated portion acts as a pointer to the primary token and data associated with the primary token. A same check digit may be included in the subtoken, the primary token, and the credential, in order to ensure that the transaction is not improperly denied.