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:
Aug. 06, 2024
Filed:
Jan. 06, 2023
Visa International Service Association, San Francisco, CA (US);
Quan Wang, Foster City, CA (US);
Yuexi Chen, San Francisco, CA (US);
Visa International Service Association, San Francisco, CA (US);
Abstract
A system and method are provided for generating access tokens on a user device rather than via a remote server computer. An access token can be generated on a second user device by combining and encrypting, with format preservation, a primary access identifier, variable value, and salt. The resulting value can be provided to a first user device that subsequently can provide the access token to an access device as a part of an interaction. The access device can generate an authorization request message that includes the access token and transmit the authorization request message to a remote server computer for processing. The remote server computer can process the access token to determine the primary access identifier despite not being involved in the generation of the access token, providing an improvement over conventional tokenization methods.