Systems and methods for processing dormant virtual access devices
First Claim
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;
receive a dormancy request from an authorization server, wherein the dormancy request includes information identifying a virtual access device;
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; and
send a dormancy response to the authorization server indicating that the virtual access device is dormant, wherein the authorization server determines 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 Assignments
0 Petitions
Accused Products
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.
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Citations
18 Claims
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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; receive a dormancy request from an authorization server, wherein the dormancy request includes information identifying a virtual access device; 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; and send a dormancy response to the authorization server indicating that the virtual access device is dormant, wherein the authorization server determines 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. - View Dependent Claims (3, 4, 7, 8, 9)
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2. 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; receive a dormancy request from an authorization server, wherein the dormancy request includes information identifying a virtual access device; 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; send a dormancy response to the authorization server indicating that the virtual access device is dormant; and cause the authorization server to cease a renewal of the virtual access device based on the dormancy response.
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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; receive a dormancy request from an authorization server, wherein the dormancy request includes information identifying a virtual access device associated with a user; 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; send a dormancy response to the authorization server indicating that the virtual access device is dormant; determine a dormancy of one or more virtual access devices associated with the user by sending a request to an electronic wallet provider; receive 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 enable the authorization server to determine whether to renew the virtual access device based on the dormancy response and the response from the electronic wallet provider.
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6. 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; receive a dormancy request from an authorization server, wherein the dormancy request includes information identifying a virtual access device; 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; send a dormancy response to the authorization server indicating that the virtual access device is dormant; in response to receiving the dormancy request from the authorization server, send a message to a user associated with the virtual access device inquiring whether to keep the virtual access device active; receive a response indicating that the user does not want to keep the virtual access device active; and send the response to the authorization server and enabling the authorization server to determine whether to renew the virtual access device based on the dormancy response and the response from the user.
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10. A method comprising:
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receiving, by a server computer, a dormancy request from an authorization server, wherein the dormancy request includes information identifying a virtual access device; determining, by the server computer, 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 sending, by the server computer, a dormancy response to the authorization server indicating that the virtual access device is dormant, wherein the authorization server determines whether to renew the virtual access device based on the dormancy response. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18)
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11. A method comprising:
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receiving, by a server computer, a dormancy request from an authorization server, wherein the dormancy request includes information identifying a virtual access device; determining, by the server computer, that the virtual access device is dormant based at least on previous transactions involving the virtual access device and at least one dormancy rule; sending, by the server computer, a dormancy response to the authorization server indicating that the virtual access device is dormant; and causing the authorization server to cease a renewal of the virtual access device based on the dormancy response.
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Specification