Systems and methods for processing dormant virtual access devices

• US 10,568,016 B2
• Filed: 05/10/2018
• Issued: 02/18/2020
• Est. Priority Date: 04/16/2015
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Youdale, Robert, Mayor, Shalini
• Primary Examiner(s): Bui, Jonathan A
• Application Number:
  US15/976,429
• Publication Number:
  US 20180262970A1
• Time in Patent Office: 649 Days
• CPC Class Codes: H04L 63/108 when the policy decisions are valid for a limited amount of time
• CPC Class Codes: H04L 67/34 involving the movement of software or configuration parameters network booting or remote initial program loading [RIPL] G06F9/4416
• CPC Class Codes: H04W 4/50 Service provisioning or reconfiguring
• CPC Class Codes: H04W 48/02 Access restriction performed under specific conditions

Abstract

Embodiments of the invention are directed to ceasing the renewal of a virtual access device that is dormant. Some embodiments may receive a dormancy request from an authorization server, where the dormancy request includes information identifying a virtual access device. Embodiments may determine that the virtual access device is dormant based at least on previous transactions involving the virtual access device and at least one dormancy rule. Certain embodiments may send a dormancy response to the authorization server indicating that the virtual access device is dormant. An authorization server may determine not to renew a virtual access device based at least upon the dormancy response. As such, the authorization server need not provision a mobile device with an updated virtual access device.

Claims

1. A computing system comprising:

at least one processor and at least one memory coupled to the at least one processor, the at least one memory storing instructions, which when executed by the at least one processor cause the at least one processor to;

send a dormancy request to a transaction processing computer, the dormancy request including information identifying a virtual access device, wherein the transaction processing computer determines that the virtual access device is dormant based at least on previous transactions involving the virtual access device and at least one dormancy rule; and

receive a dormancy response from the transaction processing computer indicating that the virtual access device is dormant,

wherein the instructions, which when executed by the at least one processor further cause the at least one processor to;

determine whether to renew the virtual access device based on the dormancy response, and wherein renewing the virtual access device comprises provisioning an updated virtual access device to a mobile device with the virtual access device.

2. The computing system of claim 1, wherein the instructions, which when executed by the at least one processor further cause the at least one processor to:

cease a renewal of the virtual access device based on the dormancy response.

3. The computing system of claim 1, wherein a dormancy rule in the at least one dormancy rule specifies that the virtual access device is determined to be dormant when a previous transaction occurred more than a threshold time period ago.

6. The computing system of claim 1, wherein the transaction processing computer sends a message to a user associated with the virtual access device inquiring whether to keep the virtual access device active, wherein the transaction processing computer receives a response indicating that the user does not want to keep the virtual access device active, wherein the transaction processing computer sends the response from the user to the computing system, and wherein the instructions, which when executed by the at least one processor further cause the at least one processor to:

receive, from the transaction processing computer, the response from the user; and

determine whether to renew the virtual access device based on the dormancy response and the response from the user.

7. The computing system of claim 1, wherein a physical access device corresponds to the virtual access device, and wherein both the physical access device and the virtual access device enable a user to obtain access to a building.

8. The computing system of claim 1, wherein the instructions, which when executed by the at least one processor further cause the at least one processor to:

determine not to renew the virtual access device based at least on the dormancy response, and wherein the transaction processing computer thereby need not generate a new token for a renewal of the virtual access device.

4. A computing system comprising:

at least one processor and at least one memory coupled to the at least one processor, the at least one memory storing instructions, which when executed by the at least one processor cause the at least one processor to;

send a dormancy request to a transaction processing computer, the dormancy request including information identifying a virtual access device, wherein the transaction processing computer determines that the virtual access device is dormant based at least on previous transactions involving the virtual access device and at least one dormancy rule; and

receive a dormancy response from the transaction processing computer indicating that the virtual access device is dormant,

wherein the virtual access device is associated with a mobile application running on a mobile device, wherein the transaction processing computer determines a dormancy of at least one of the mobile application or one or more other virtual access devices being hosted by the mobile application, and wherein the instructions, which when executed by the at least one processor further cause the at least one processor to;

cease a renewal of the virtual access device based on the dormancy response and the dormancy of at least one of the mobile application, or one or more of the other virtual access devices.

5. A computing system comprising:

at least one processor and at least one memory coupled to the at least one processor, the at least one memory storing instructions, which when executed by the at least one processor cause the at least one processor to;

send a dormancy request to a transaction processing computer, the dormancy request including information identifying a virtual access device, wherein the transaction processing computer determines that the virtual access device is dormant based at least on previous transactions involving the virtual access device and at least one dormancy rule; and

receive a dormancy response from the transaction processing computer indicating that the virtual access device is dormant,

wherein the virtual access device is associated with a user, wherein the transaction processing computer determines a dormancy of one or more virtual access devices associated with the user by sending a request to an electronic wallet provider, wherein the transaction processing computer receives a response from the electronic wallet provider, the response indicating an activity level associated with the one or more virtual access devices associated with the user, and wherein the instructions, which when executed by the at least one processor further cause the at least one processor to;

determine whether to renew the virtual access device based on the dormancy response and the response from the electronic wallet provider.

9. A computing system comprising:

at least one processor and at least one memory coupled to the at least one processor, the at least one memory storing instructions, which when executed by the at least one processor cause the at least one processor to;

send a dormancy request to a transaction processing computer, the dormancy request including information identifying a virtual access device, wherein the transaction processing computer determines that the virtual access device is dormant based at least on previous transactions involving the virtual access device and at least one dormancy rule; and

receive a dormancy response from the transaction processing computer indicating that the virtual access device is dormant,

wherein the virtual access device is associated with a mobile application running on a mobile device, wherein the transaction processing computer determines that at least one of the mobile application or one or more other virtual access devices being hosted by the mobile application is not dormant, and wherein the instructions, which when executed by the at least one processor further cause the at least one processor to;

receive the determination that at least one of the mobile application or other virtual access devices is not dormant from the transaction processing computer; and

provision a new virtual access device onto the mobile device, the new virtual access device replacing the virtual access device.

10. A method comprising:

sending, by a server computer, a dormancy request to a transaction processing computer, the dormancy request including information identifying a virtual access device, wherein the transaction processing computer determines that the virtual access device is dormant based at least on previous transactions involving the virtual access device and at least one dormancy rule;

receiving, by the server computer, a dormancy response from the transaction processing computer indicating that the virtual access device is dormant; and

determining whether to renew the virtual access device based on the dormancy response, and wherein renewing the virtual access device comprises provisioning an updated virtual access device to a mobile device with the virtual access device.

11. The method of claim 10, further comprising:

determining whether to renew the virtual access device based on the dormancy response.

12. The method of claim 10, further comprising:

ceasing a renewal of the virtual access device based on the dormancy response.

13. The method of claim 10, wherein a dormancy rule in the at least one dormancy rule specifies that the virtual access device is determined to be dormant when a previous transaction occurred more than a threshold time period ago.

16. The method of claim 10, wherein the transaction processing computer sends a message to a user associated with the virtual access device inquiring whether to keep the virtual access device active, wherein the transaction processing computer receives a response indicating that the user does not want to keep the virtual access device active, wherein the transaction processing computer sends the response from the user to the server computer, and wherein the method further comprises:

receiving, from the transaction processing computer, the response from the user; and

determining whether to renew the virtual access device based on the dormancy response and the response from the user.

17. The method of claim 10, wherein a physical access device corresponds to the virtual access device, and wherein both the physical access device and the virtual access device enable a user to obtain access to a building.

18. The method of claim 10, further comprising:

determining not to renew the virtual access device based at least on the dormancy response, and wherein the transaction processing computer thereby need not generate a new token for a renewal of the virtual access device.

14. A method comprising:

sending, by a server computer, a dormancy request to a transaction processing computer, the dormancy request including information identifying a virtual access device, wherein the transaction processing computer determines that the virtual access device is dormant based at least on previous transactions involving the virtual access device and at least one dormancy rule; and

receiving, by the server computer, a dormancy response from the transaction processing computer indicating that the virtual access device is dormant,

wherein the virtual access device is associated with a mobile application running on a mobile device, wherein the transaction processing computer determines a dormancy of at least one of the mobile application or one or more other virtual access devices being hosted by the mobile application, and wherein the method further comprises;

ceasing a renewal of the virtual access device based on the dormancy response and the dormancy of at least one of the mobile application or one or more of the other virtual access devices.

15. A method comprising:

sending, by a server computer, a dormancy request to a transaction processing computer, the dormancy request including information identifying a virtual access device, wherein the transaction processing computer determines that the virtual access device is dormant based at least on previous transactions involving the virtual access device and at least one dormancy rule; and

receiving, by the server computer, a dormancy response from the transaction processing computer indicating that the virtual access device is dormant,

wherein the virtual access device is associated with a user, wherein the transaction processing computer determines a dormancy of one or more virtual access devices associated with the user by sending a request to an electronic wallet provider, wherein the transaction processing computer receives a response from the electronic wallet provider, the response indicating an activity level associated with the one or more virtual access devices associated with the user, and wherein the method further comprises;

determining whether to renew the virtual access device based on the dormancy response and the response from the electronic wallet provider.

19. A method comprising:

sending, by a server computer, a dormancy request to a transaction processing computer, the dormancy request including information identifying a virtual access device, wherein the transaction processing computer determines that the virtual access device is dormant based at least on previous transactions involving the virtual access device and at least one dormancy rule; and

receiving, by the server computer, a dormancy response from the transaction processing computer indicating that the virtual access device is dormant,

wherein the virtual access device is associated with a mobile application running on a mobile device, wherein the transaction processing computer determines that at least one of the mobile application or one or more other virtual access devices being hosted by the mobile application is not dormant, and wherein the method further comprises;

receiving the determination that at least one of the mobile application or other virtual access devices is not dormant from the transaction processing computer; and

provisioning a new virtual access device onto the mobile device, the new virtual access device replacing the virtual access device.