Patent №
US 11,256,789
Granted
2022-02-22
Filed 2019
Owner
VISA INTERNATIONAL SERVICE ASSOCIATION
Lab
—
AI components
1
kr
Assignment
Recorded
Dataset
AIPD
2023_r1 edition
Application
16444339
A method is disclosed. The method includes receiving a communication comprising a real credential from a communication device and providing the real credential to a token computer. The token computer generates a token and a cryptogram, and the cryptogram is formed using a resource provider initiated transaction indicator. The method includes receiving, from the token computer, the token and the cryptogram, and transmitting, to a processing computer, an authorization request message comprising the token, the cryptogram, a resource provider identifier, and a transaction amount for a first transaction. The processing computer validates the cryptogram, exchanges the token for the real credential, stores the resource provider identifier, and forwards the authorization request message including the real credential, and the transaction amount to an authorizing entity computer. The method also includes receiving an authorization response message from the authorizing entity computer.
AI classification
Ownership
VISA INTERNATIONAL SERVICE ASSOCIATION
assignment · 501390071
Assignors
JONES, CHRISTOPHER
On an employer assignment, the assignors are typically the inventors.