# US 12,120,505 B2 · Automated access device interaction processing > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,120,505 B2 - Document ID: US12120505B2 - Status: Granted - Kind: B2 - Application number: 17/432,012 - Filed: 2019-05-01 - Published: 2022-05-12 - Granted: 2024-10-15 - Earliest claimed: 2019-05-01 - Assignees: Visa International Service Association - Applicants: Visa International Service Association - Inventors: Christopher O'Kane; Samuel Wallace; Peter Lennon; Kevin White - Web page: https://patentgrep.com/patent/US12120505B2 ## CPC - H04L 9/3213: {using tickets or tokens, e.g. Kerberos (network architectures or network communication protocols for entities authentication using tickets in a packet data network H04L63/0807)} - H04W 12/033: of the user plane, e.g. user's traffic - G06F 9/547: {Remote procedure calls [RPC]; Web services} - G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]} - G06Q 20/3272: {using an audio code} - G06Q 20/3821: {Electronic credentials} - G06Q 20/401: {Transaction verification} - G06Q 20/40145: {Biometric identity checks} - H04L 9/0825: {using asymmetric-key encryption or public key infrastructure [PKI], e.g. key signature or public key certificates} - H04L 9/14: using a plurality of keys or algorithms - H04L 67/125: involving control of end-device applications over a network - H04W 12/08: Access security - H04W 12/50: Secure pairing of devices - H04L 63/0442: {wherein the sending and receiving network entities apply asymmetric encryption, i.e. different keys for encryption and decryption (cryptographic mechanisms or cryptographic arrangements for public-key encryption H04L9/30)} - H04L 63/0861: {using biometrical features, e.g. fingerprint, retina-scan (cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231)} - H04W 12/03: Protecting confidentiality, e.g. by encryption - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) - H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72) - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract A method is disclosed. The method includes forming a local data connection between a mobile communication device comprising a voice assistant module, and an access device in an interaction. The method also includes receiving, by the mobile communication device, a voice command with a request for the access device to automatically provide a resource to a user of the mobile communication device. ## Claims ### Claim 1 A method comprising: receiving, by a mobile communication device, a token; saving, by the mobile communication device, the token to a voice assistant module of the mobile communication device, wherein the voice assistant module is associated with a payment application; forming a local data connection between the mobile communication device and an access device for conducting an interaction for a resource at the access device, wherein the access device is a device for which a user cannot physically input data; and receiving, by the mobile communication device, a voice command with a request for the access device to automatically provide a resource requested by the user of the mobile communication device using the saved token obtained from the voice assistant module, wherein the saved token is the token saved to the voice assistant module. ### Claim 2 (depends on 1) The method of claim 1, further comprising: after forming, and before receiving the voice command, receiving, by the mobile communication device from the access device, an address for an API associated with the access device; and after receiving the voice command, transmitting, by the mobile communication device, data representing the voice command and a credential or a token to the API using the address, thereafter causing the access device to automatically provide the resource to the user. ### Claim 3 (depends on 1) The method of claim 1, further comprising: after receiving the voice command, transmitting, by the mobile communication device, a credential or a token to a processing computer, wherein the processing computer processes the interaction using the credential or the token, and encrypts an authorization response message using a first cryptographic key to form an encrypted authorization response message; receiving, by the mobile communication device, the encrypted authorization response message; and transmitting, by the mobile communication device, the encrypted authorization response message to the access device, wherein the access device decrypts the authorization response message using a second cryptographic key, and automatically provides the resource to the user. ### Claim 4 (depends on 3) The method of claim 3, wherein the first cryptographic key is a public key and the second cryptographic key is a private key. ### Claim 5 (depends on 3) The method of claim 3, wherein the token is transmitted to the processing computer. ### Claim 6 (depends on 1) The method of claim 1, wherein the access device comprises a resource storage area that stores a plurality of resources. ### Claim 7 (depends on 1) The method of claim 1, wherein the access device operates in an offline mode. ### Claim 8 (depends on 1) The method of claim 1, further comprising: after receiving the voice command, transmitting, by the mobile communication device, a credential or token to a processing computer, wherein the processing computer processes the interaction using the credential or the token, and encrypts data in an authorization response message using a first cryptographic key to form an authorization response message with encrypted data; receiving, by the mobile communication device, the authorization response message; and transmitting, by the mobile communication device, the authorization response message to the access device, wherein the access device decrypts the encrypted data in the authorization response message using a second cryptographic key, and then automatically provides the resource to the user. ### Claim 9 (depends on 1) The method according to claim 1, wherein the voice assistant module is a component of the payment application. ### Claim 10 A mobile communication device comprising: a processor; and a computer readable medium coupled to the processor and containing instructions for causing the processor to perform a method comprising: receiving, by the mobile communication device, a token; saving, by the mobile communication device, the token to a voice assistant module of the mobile communication device, wherein the voice assistant module is associated with a payment application; forming a local data connection between the mobile communication device, and an access device for conducting an interaction for a resource at the access device, wherein the access device is a device for which a user cannot physically input data; and receiving, by the mobile communication device, a voice command with a request for the access device to automatically provide a resource requested by the user of the mobile communication device using the saved token obtained from the voice assistant module, wherein the saved token is the token saved to the voice assistant module. ### Claim 11 (depends on 10) The mobile communication device of claim 10, wherein the method further comprises: after receiving the voice command, transmitting, by the mobile communication device, a credential or a token to a processing computer, wherein the processing computer processes the interaction using the credential or the token, and encrypts an authorization response message using a first cryptographic key to form an encrypted authorization response message; receiving, by the mobile communication device, the encrypted authorization response message; and transmitting, by the mobile communication device, the encrypted authorization response message to the access device, wherein the access device decrypts the authorization response message using a second cryptographic key, and automatically provides the resource to the user. ### Claim 12 (depends on 10) The mobile communication device of claim 10, wherein the method comprises: after receiving the voice command, transmitting, by the mobile communication device, a credential or a token to a processing computer, wherein the processing computer processes the interaction using the credential or the token, and encrypts an authorization response using a first cryptographic key to form an encrypted authorization response; receiving, by the mobile communication device, the encrypted authorization response; and transmitting, by the mobile communication device, the encrypted authorization response to the access device, wherein the access device decrypts the authorization response using a second cryptographic key, and automatically provides the resource to the user. ### Claim 13 (depends on 12) The mobile communication device of claim 12, wherein the token is an access token. ### Claim 14 (depends on 10) The mobile communication device of claim 10, further comprising short range antenna and a long range antenna coupled to the processor. ### Claim 15 (depends on 10) The mobile communication device of claim 10, wherein the method comprises: after receiving the voice command, transmitting, by the mobile communication device, a credential or a token to a processing computer, wherein the processing computer processes the interaction using the credential or the token, and encrypts data in an authorization response message using a first cryptographic key to form an authorization response message with encrypted data; receiving, by the mobile communication device, the authorization response message; and transmitting, by the mobile communication device, the authorization response message to the access device, wherein the access device decrypts the encrypted data in the authorization response message using a second cryptographic key, and then automatically provides the resource to the user. ### Claim 16 A method comprising: forming a local data connection between a mobile communication device and an access device for conducting an interaction for a resource at the access device, wherein the access device is a device for which a user cannot physically input data, wherein a token is saved to a voice assistant module of the mobile communication device, wherein the voice assistant module is associated with a payment application; and automatically providing, by the access device, a resource to the user of the mobile communication device after the mobile communication device receives a voice command with a request for the access device to automatically provide the resource to the user of the mobile communication device using the saved token obtained from the voice assistant module, wherein the saved token is the token saved to the voice assistant module. ### Claim 17 (depends on 16) The method of claim 16, further comprising: transmitting, by the access device to the mobile communication device, an address of an API associated with the access device; and receiving, by the access device via the API, a command message to dispense a resource. ### Claim 18 (depends on 16) The method of claim 16, further comprising: receiving, by the access device, an encrypted authorization response message from the mobile communication device, wherein the authorization response message was encrypted using a first key by a processing computer; and decrypting, by the access device, the encrypted authorization response message using a second key, wherein decrypting the encrypted authorization response message causes the access device to dispense the resource. ### Claim 19 (depends on 16) The method of claim 16, wherein the access device operates in an offline mode when dispensing the resource. ### Claim 20 (depends on 16) The method of claim 16, further comprising: receiving, by the access device, an authorization response message comprising encrypted data from the mobile communication device, wherein the data was encrypted using a first key by a processing computer; and decrypting, by the access device, the data using a second key, wherein decrypting the encrypted data causes the access device to dispense the resource.