TOKEN CHECK OFFLINE

• US 20160224977A1
• Filed: 01/29/2016
• Published: 08/04/2016
• Est. Priority Date: 01/30/2015
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Sabba, Yaasha, Scheinfield, Jordan
• Granted Patent: US 11,250,391 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/0457 the tickets being sent electronically
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/4018 using the card verification value [CVV] associated with the card
• CPC Class Codes: G06Q 2220/00 Business processing using cryptography postage metering system using cryptography G06Q2250/05

Abstract

Embodiments are directed to a method comprising, obtaining, by a first device, a first token, the first token associated with an amount of funds and a funds availability starting date. After the first token is obtained by the first device, the first device generates a second token linked to the first token and second token generation data. The second token generation data may include evidence that the second token was generated by the first device, and not another device. The second token generation data could be a first device identifier and the second token generation details, or could be a hashed value of the first device identifier and the second token generation details. The method also includes provisioning, by the first device, the second token and the second token generation data to the second device.

Claims

1. A method comprising:

obtaining, by a first device, a first token, the first token associated with an amount of funds and a funds availability starting date;

generating, by the first device, a second token linked to the first token and second token generation data; and

provisioning, by the first device, the second token and the second token generation data to a second device,

wherein the second token generation data is utilized to verify the origin of the generation of the second token.

2. The method of claim 1, wherein the first device and the second device are offline during the generating of the second token linked to the first token and the second token generation data, and during the provisioning of the second token and the second token generation data to a second device.

3. The method of claim 1, wherein the second token generation data comprises a hash of at least one of the first token and a first device identifier.

4. The method of claim 1, wherein the second token generation data identifies that the second token is a derivative of the first token.

5. The method of claim 1, further comprising verifying that the first device has provisioned the second token to the second device according to transaction information in a block chain.

6. The method of claim 5, wherein in response to verifying that the first device has provisioned the second token to the second device, validating the second token.

7. The method of claim 5, wherein the block chain comprises a plurality of blocks, and each of the plurality of blocks corresponds to a plurality of token transactions.

8. The method of claim 7, wherein one of the plurality of token transactions comprises transmission of the second token from the first device to the second device.

9. The method of claim 5, wherein the block chain is a decentralized ledger that is stored in the first device and the second device.

10. The method of claim 5, wherein the block chain is a private ledger that is accessible to an authorizing computer.

11. The method of claim 5, wherein the transaction information comprises account information, device information, and token information of a plurality of blocks in the block chain.

12. The method of claim 1, wherein the second token comprises derivative identifying data.

13. The method of claim 12, wherein the derivative identifying data comprises metadata associated with the second token.

14. A device comprising:

one or more processors; and

a memory coupled to the one or more processors, the memory comprising code for causing the one or more processors to implement a method comprising;

obtaining a first token, the first token;

generating a second token linked to the first token and second token generation data; and

provisioning the second token and the second token generation data to a second device,

wherein the second token generation data is utilized to verify the origin of the generation of the second token.

15. The device of claim 14, wherein the method further comprises:

verifying that the first device has provisioned the second token to the second device according to information in a block chain.

16. The device of claim 14, wherein the method further comprises:

in response to verifying that the first device has provisioned the second token to the second device, validating the second token.

17. The device of claim 14, wherein the method further comprises:

generating record for the first token and the second token.

18. The device of claim 14, further comprising a block chain database storing a block chain.

19. The device of claim 18, further comprising a block chain ledger storing the block chain.

20. A non-transitory computer-readable storage medium storing a plurality of instructions executable by one or more processors to cause the one or more processors to perform operations comprising:

obtaining, by a first device, a first token, the first token associated with an amount of funds and a funds availability starting date;

generating, by the first device, a second token linked to the first token and second token generation data; and

provisioning, by the first device, the second token and the second token generation data to a second device,

wherein the second token generation data is utilized to verify the origin of the generation of the second token.