Token check offline

• US 11,250,391 B2
• Filed: 01/29/2016
• Issued: 02/15/2022
• 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
• Primary Examiner(s): Nilforoush, Mohammad A.
• Application Number:
  US15/011,366
• Publication Number:
  US 20160224977A1
• Time in Patent Office: 2,209 Days
• 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 mobile device, a first token of a digital wallet stored on a secure element of the first mobile device, the first token associated with an amount of funds and a funds availability starting date;

storing, by the first mobile device, the first token associated with the amount of funds and the funds availability starting date;

receiving, by the first mobile device, a request to generate a second token for a second mobile device;

sending, by the first mobile device to an authorizing computer, a request to generate the second token that is associated with a second amount of funds that is within the amount of funds and a second funds availability starting date;

receiving, by the first mobile device from the authorizing computer, authorization to generate the second token in response to the first mobile device having permission to generate the second token, wherein the generation of the second token is authorized when the first token has a sufficient amount of funds for generating the second token;

disconnecting, by the first mobile device, an internet connection of the first mobile device;

generating, by the first mobile device while the internet connection of the first mobile device is disconnected, the second token and second token generation data based on the received authorization, and linking the second token to the first token;

connecting, by the first mobile device, to the second mobile device via a short range wireless connection;

provisioning, by the first mobile device via the short range wireless connection while the internet connection of the first mobile device is disconnected, the second token and the second token generation data to a second digital wallet stored on a second secure element of the second mobile device;

connecting, by the first mobile device, the internet connection of the first mobile device;

obtaining, by the first mobile device, transaction history information from a blockchain containing transaction data associated with the first token and containing transaction data associated with the second token; and

determining, by the first mobile device, that the second token and second token generation data has been provisioned to the second mobile device based on the obtained transaction history information.

2. The method of claim 1, wherein the second mobile device is 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 the second mobile 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 mobile device has provisioned the second token to the second mobile device according to transaction information in the blockchain.

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

7. The method of claim 5, wherein the blockchain 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 mobile device to the second mobile device.

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

10. The method of claim 5, wherein the blockchain is a private ledger that is accessible to the 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 blockchain.

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.

21. The method according to claim 1, wherein the confirmation of the provisioning of the second token and second token generation data to the second mobile device is determined in response to the first token having sufficient funds to fund the second token.

22. The method according to claim 1, wherein the second token is configured to generate a third token, and wherein the third token is linked to the second token.

23. The method according to claim 1, wherein the first mobile device is offline when it is not connected to a network, and wherein the first mobile device is online when it is connected to the network.

24. The method according to claim 1, wherein the blockchain associated with the first token is publicly available, the method further comprising validating, by a third mobile device, the second token when the first mobile device and the second mobile device are offline.

14. A first mobile device comprising:

one or more processors;

a secure element; and

a memory coupled to the one or more processors, the memory comprising code that when executed by the one or more processors causes the one or more processors to implement a method comprising;

obtaining a first token of a digital wallet stored on the secure element of the first mobile device, the first token associated with an amount of funds and a funds availability starting date;

storing the first token associated with the amount of funds and the funds availability starting date;

receiving a request to generate a second token for a second mobile device;

sending, to an authorizing computer, a request to generate the second token that is associated with a second amount of funds that is within the amount of funds and a second funds availability starting date;

receiving, from the authorizing computer, authorization to generate the second token in response to the first mobile device having permission to generate the second token, wherein the generation of the second token is authorized when the first token has a sufficient amount of funds for generating the second token;

disconnecting an internet connection of the first mobile device;

generating while the internet connection of the first mobile device is disconnected, the second token and second token generation data based on the received authorization, and linking the second token to the first token;

connecting to the second mobile device via a short range wireless connection;

provisioning via the short range wireless connection the second token and the second token generation data to a second digital wallet stored on a second secure element located on the second mobile device while the internet connection of the first mobile device is disconnected;

connecting the internet connection of the first mobile device;

obtaining transaction history information from a blockchain containing transaction data associated with the first token and containing transaction data associated with the second token; and

determining confirmation of the provisioning of the second token and second token generation data to the second mobile device based on the obtained transaction history information.

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

verifying that the first mobile device has provisioned the second token to the second mobile device according to information in the blockchain.

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

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

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

generating record for the first token and the second token.

18. The first mobile device of claim 14, further comprising a blockchain database storing the blockchain.

19. The first mobile device of claim 18, further comprising a blockchain ledger storing the blockchain.

20. A non-transitory computer-readable storage medium storing a plurality of instructions that when executed by one or more processors causes the one or more processors to perform operations comprising;

obtaining a first token of a digital wallet stored on a secure element of a first mobile device, the first token associated with an amount of funds and a funds availability starting date;

storing the first token associated with the amount of funds and the funds availability starting date;

receiving a request to generate a second token for a second mobile device;

sending, to an authorizing computer, a request to generate the second token that is associated with a second amount of funds that is within the amount of funds and a second funds availability starting date;

receiving, from the authorizing computer, authorization to generate the second token in response to the first mobile device having permission to generate the second token, wherein the generation of the second token is authorized when the first token has a sufficient amount of funds for gene rating the second token;

disconnecting an internet connection of the first mobile device;

generating, by the first mobile device while the internet connection of the first mobile device is disconnected, the second token and second token generation data based on the received authorization and linking the second token to the first token;

connecting to the second mobile device via a short range wireless connection;

provisioning, via the short range wireless connection while the first mobile device is disconnected, the second token and the second token generation data to a second digital wallet stored on a second secure element located on the second mobile device;

connecting the internet connection of the first mobile device;

obtaining transaction history information from a blockchain containing transaction data associated with the first token and containing transaction data associated with the second token; and

determining confirmation of the provisioning of the second token and second token generation data to the second mobile device based on the obtained transaction history information.