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US 10,949,841 B2Granted
Provisioning of access credentials using device codes
AssigneeVisa International Service Association
InventorsKim R. Wagner, John F. Sheets, Glenn Powell
Life of this patent
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Abstract
Systems and methods are described for provisioning access credentials to a mobile device using device and authorization codes. Once provisioned, a mobile device can be used to conduct a transaction.
Claims17
A method comprising:
- providing, by a second application on a mobile device or on a communication device, a device code to an authorization computer, wherein the authorization computer thereafter generates an authorization code using at least the device code and a primary account number, wherein the device code is derived from a device identifier that specifically identifies the mobile device;
- receiving, by the second application on the mobile device or on the communication device, the authorization code;
- providing, by a first application on the mobile device, the authorization code to an access credential provisioning server computer;
- and
- receiving, by the first application on the mobile device from the access credential provisioning server computer, an access credential associated with the primary account number,
- wherein the mobile device is capable of providing the access credential to an access device to conduct a payment transaction, and wherein the method further comprises:
- receiving, by the mobile device, the device code from the access credential provisioning server computer, after a user attempts to obtain the access credential by communicating with the access credential provisioning server computer.
4 more elements
A mobile device comprising:
- a processor;
- an antenna coupled to the processor;
- and
- a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor to implement a method comprising
- providing, by a second application, a device code to an authorization computer, wherein the authorization computer thereafter generates an authorization code using at least the device code and a primary account number, wherein the device code is derived from a device identifier that specifically identifies the mobile device,
- receiving, by the second application, the authorization code,
- providing, by a first application, the authorization code to an access credential provisioning server computer, and
- receiving, by the first application, an access credential associated with the primary account number,
- wherein the mobile device is capable of providing the access credential to an access device to conduct a payment transaction, and wherein the method further comprises:
- receiving, by the mobile device, the device code from the access credential provisioning server computer, after a user attempts to obtain the access credential by communicating with the access credential provisioning server computer.
7 more elements
A method comprising:
- receiving, by a server computer, a device code from a second application on a mobile device or on a communication device operated by a user, wherein the device code is derived from a device identifier that specifically identifies the mobile device;
- generating, by the server computer, an authorization code using the device code and a primary account number;
- and
- transmitting, by the server computer, the authorization code to the second application on the mobile device or on the communication device, wherein the authorization code is provided by the user to a provisioning server computer, which verifies the authorization code and provisions the mobile device with one or more access credentials to a first application on the mobile device, wherein the mobile device is capable of providing the one or more access credentials to an access device to conduct a payment transaction,
- wherein the mobile device received the device code from the provisioning server computer, after a user attempts to obtain the access credential by communicating with the provisioning server computer.
2 more elements
Dependencies are inferred from the claim text.