Systems and methods for processing dormant virtual access devices

• US 9,998,978 B2
• Filed: 04/15/2016
• Issued: 06/12/2018
• 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:
  US15/130,854
• Publication Number:
  US 20160308995A1
• Time in Patent Office: 788 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;

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.

3. The computing system of claim 1, wherein 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.

4. The computing system of claim 1, wherein the virtual access device is associated with a mobile application running on a mobile device, and wherein the instructions, which when executed by the at least one processor further cause the at least one processor to:

determine 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

cause the authorization server to cease the 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.

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 authorization server determines not to renew the virtual access device based at least on the dormancy response, and wherein the computing system thereby need not generate a new token for the renewal of the virtual access device.

9. The computing system of claim 1, wherein the virtual access device is associated with a mobile application running on the mobile device, and wherein the instructions, which when executed by the at least one processor further cause the at least one processor to:

determine 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

send the determination that at least one of the mobile application or other virtual access devices is not dormant to the authorization server, and thereby causing the authorization server to provision the updated virtual access device onto the mobile device, the updated virtual access device being a new virtual access device replacing the virtual access device.

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.

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.

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.

10. A method comprising:

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.

12. The method of claim 10, wherein 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.

13. The method of claim 10, wherein the virtual access device is associated with a mobile application running on a mobile device, and wherein the method further comprises:

determining 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

causing the authorization server to cease the 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.

14. The method of claim 10, wherein the virtual access device is associated with a user, and wherein the method further comprises:

determining a dormancy of one or more virtual access devices associated with the user by sending a request to an electronic wallet provider;

receiving 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

enabling 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.

15. The method of claim 10, further comprising:

in response to receiving the dormancy request from the authorization server, sending a message to a user associated with the virtual access device inquiring whether to keep the virtual access device active;

receiving a response indicating that the user does not want to keep the virtual access device active; and

sending 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.

16. 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.

17. The method of claim 10, wherein the authorization server determines not to renew the virtual access device based at least on the dormancy response, and wherein the server computer thereby need not generate a new token for the renewal of the virtual access device.

18. The method of claim 10, wherein the virtual access device is associated with a mobile application running on a mobile device, and wherein the method further comprises:

determining 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

sending the determination that at least one of the mobile application or other virtual access devices is not dormant to the authorization server, and thereby causing the authorization server to provision a new virtual access device onto the mobile device, the new virtual access device replacing the virtual access device.

11. A method comprising:

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.