INSTANT TOKEN ISSUANCE SYSTEM

• US 20170109745A1
• Filed: 10/17/2016
• Published: 04/20/2017
• Est. Priority Date: 10/15/2015
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Al-Bedaiwi, Mohammad, Altenhofen, Meredith, Blackhurst, Jason
• Granted Patent: US 11,068,889 B2
• Time in Patent Office: Days
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: H04L 63/102 Entity profiles
• CPC Class Codes: H04L 67/01 Protocols
• CPC Class Codes: H04L 67/10 in which an application is distributed across nodes in the network software deployment G06F8/60; multiprogramming arrangements G06F9/46
• CPC Class Codes: H04L 67/306 User profiles
• CPC Class Codes: H04L 67/53 using third party service providers
• CPC Class Codes: H04W 12/08 Access security
• CPC Class Codes: H04W 4/80 Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Abstract

A user can request provisioning of account information for an account to a plurality of resource providing entities. The account may be a new or existing account issued by an authorization computer. The authorization computer may prompt the user to select one or more resource providing entities to which to provision a token associated with the account. Processor server computer may then tokenize the account information associated with the account by determining a token for each resource providing entity selected by the user. In some cases, a token may be provisioned to an already existing account or profile (e.g., account on file) associated with a resource providing entity. In other cases, an account or profile associated with a resource providing entity may not yet exist and thus may be created before a token may be provisioned. Subsequently, the user may utilize provisioned tokens to conduct transactions.

Claims

1. A method, comprising performing, by a server computer:

sending, to an authorization computer, a list of participating resource providing entities, wherein the authorization computer prompts a user operating a user device to make a selection from the list of participating resource providing entities;

receiving a selection of one or more resource providing entities from the participating resource providing entities;

receiving a request to issue tokens associated with an account of the user for the one or more resource providing entities; and

for each of the one or more resource providing entities;

determining a token associated with the account of the user; and

sending the token to a resource providing entity computer associated with the resource providing entity, wherein the user conducts a transaction with the resource providing entity using the token.

2. The method of claim 1, further comprising:

determining an authentication method supported by the authorization computer;

for each of the list of participating resource providing entities;

determining an authentication method supported by the participating resource providing entity;

comparing the authentication method supported by the participating resource providing entity and the authentication method supported by the authorization computer;

upon determining that the compared authentication methods match, including the participating resource providing entity in the list of participating resource providing entities.

3. The method of claim 2, further comprising:

determining that at least one of the participating resource providing entities has an account on file for the user; and

sending, to the authorization computer, information indicating the at least one participating resource providing entity with which the user has the account on file.

4. The method of claim 3, wherein the selection of the one or more resource providing entities by the user includes a participating resource providing entity that has an account on file for the user, and wherein the user conducts the transaction using the account on file.

5. The method of claim 1, further comprising:

generating a link routed to the server computer; and

sending the link to the authorization computer, wherein the user activates the link using the user device after the authorization computer prompts the user.

6. The method of claim 5, further comprising:

for each of the plurality of participating resource providing entities selected by the user;

prompting the user for authentication information for the participating resource providing entity; and

sending the authentication information to the participating resource providing entity.

7. The method of claim 6, wherein the authentication information is utilized to generate a new account for the user associated with the participating resource providing entity.

8. The method of claim 1, further comprising:

generating a plurality of links routed to the plurality of resource providing entities; and

sending the plurality of links to the authorization computer, wherein the user activates the plurality of links using the user device after the authorization computer prompts the user.

9. The method of claim 1, wherein the account is a new account, further comprising:

receiving, from the authorization computer, account information associated with the account.

10. The method of claim 1, wherein the account is an existing account, further comprising:

retrieving account information associated with the account.

11. A server computer comprising:

a processor; and

a computer readable medium coupled to the processor, the computer readable medium comprising code executable to perform a method comprising;

sending, to an authorization computer, a list of participating resource providing entities, wherein the authorization computer prompts a user operating a user device to make a selection from the list of participating resource providing entities;

receiving a selection of one or more resource providing entities from the participating resource providing entities;

receiving a request to issue tokens associated with an account of the user for the one or more resource providing entities; and

for each of the one or more resource providing entities;

determining a token associated with the account of the user; and

sending the token to a resource providing entity computer associated with the resource providing entity, wherein the user conducts a transaction with the resource providing entity using the token.

12. The server computer of claim 11, the method further comprising:

determining an authentication method supported by the authorization computer;

for each of the list of participating resource providing entities;

determining an authentication method supported by the participating resource providing entity;

comparing the authentication method supported by the participating resource providing entity and the authentication method supported by the authorization computer;

upon determining that the compared authentication methods match, including the participating resource providing entity in the list of participating resource providing entities.

13. The server computer of claim 12, the method further comprising:

determining that at least one of the participating resource providing entities has an account on file for the user; and

sending, to the authorization computer, information indicating the at least one participating resource providing entity with which the user has the account on file.

14. The server computer of claim 13, wherein the selection of the one or more resource providing entities by the user includes a participating resource providing entity that has an account on file for the user, and wherein the user conducts the transaction using the account on file.

15. The server computer of claim 11, the method further comprising:

generating a link routed to the server computer; and

sending the link to the authorization computer, wherein the user activates the link using the user device after the authorization computer prompts the user.

16. The server computer of claim 15, the method further comprising:

for each of the plurality of participating resource providing entities selected by the user;

prompting the user for authentication information for the participating resource providing entity; and

sending the authentication information to the participating resource providing entity.

17. The server computer of claim 16, wherein the authentication information is utilized to generate a new account for the user associated with the participating resource providing entity.

18. The server computer of claim 11, the method further comprising:

generating a plurality of links routed to the plurality of resource providing entities; and

sending the plurality of links to the authorization computer, wherein the user activates the plurality of links using the user device after the authorization computer prompts the user.

19. The server computer of claim 11, wherein the account is a new account, the method further comprising:

receiving, from the authorization computer, account information associated with the account.

20. The server computer of claim 11, wherein the account is an existing account, the method further comprising:

retrieving account information associated with the account.