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US 11,637,825 B2Granted
Authentication with offline device
AssigneeVisa International Service Association
InventorWilson Thampi
Life of this patent
Estimating the term…
Abstract
A first user device can transmit an interaction request to a remote computer via a long range communication channel. The first user device can receive an authentication request message from the remote computer and can then transmit the authentication request message to a second user device via a short range communication channel. The first user device can then receive an authentication response message comprising a response value from the second user device via the short range communication channel. The first user device can then transmit the authentication response message to the remote computer causing the remote computer to verify the response value and perform further processing if the response value is verified.
Claims17
A method comprising:
- transmitting, by a first user device, an interaction request to a remote computer via a long range communication channel;
- receiving, by the first user device, an authentication request message from the remote computer, the authentication request message including a payment token generated by the remote computer;
- transmitting, by the first user device, the authentication request message including the payment token to a second user device via a short range communication channel;
- receiving, by the first user device, an authentication response message comprising a response value from the second user device via the short range communication channel, wherein the response value is generated by the second user device based on a first identifier associated with the second user device and the payment token generated by the remote computer, the payment token being generated based on a second identifier associated with a user of the second user device, and the first user device is in direct communication with the remote computer and the second user device is not in direct communication with the remote computer;
- and
- transmitting, by the first user device, the authentication response message to the remote computer causing the remote computer to verify the response value and perform further processing responsive to the response value being verified.
3 more elements
A first user device comprising:
- a processor;
- a memory device;
- and
- a computer-readable medium coupled to the processor, the computer-readable medium comprising code executable by the processor for implementing a method comprising:
- transmitting an interaction request to a remote computer via a long range communication channel;
- receiving an authentication request message from the remote computer, the authentication request message including a payment token generated by the remote computer;
- transmitting the authentication request message including the payment token to a second user device via a short range communication channel;
- receiving an authentication response message comprising a response value from the second user device via the short range communication channel, wherein the response value is generated by the second user device based on a first identifier associated with the second user device and the payment token generated by the remote computer, and wherein the payment token is generated based on a second identifier associated with a user of the second user device, the first user device is in direct communication with the remote computer, and the second user device is not in direct communication with the remote computer;
- and
- transmitting, by the first user device, the authentication response message to the remote computer causing the remote computer to verify the response value and perform further processing responsive to the response value being verified.
7 more elements
A method comprising:
- receiving, by a second user device, an authentication request message from a first user device via a short range communication channel, the authentication request message including a payment token that is generated by a remote computer and transmitted to the first user device over a long range communication channel;
- generating, by the second user device, a response value based on a first identifier associated with the second user device and the payment token generated by the remote computer, wherein the payment token is generated based on a second identifier associated with a user of the second user device;
- and
- transmitting, by the second user device, an authentication response message comprising the response value to the first user device, wherein the first user device transmits the authentication response message to a remote computer causing the remote computer to verify the response value and perform further processing responsive to the response value being verified, wherein the first user device is in direct communication with the remote computer, and the second user device is not in direct communication with the remote computer.
1 more element
Dependencies are inferred from the claim text.