US 11,711,217 B2
Token processing with selective de-tokenization for proximity based access device interactions
Barbara Patterson, South San Francisco, CA (US)
Assigned to Visa International Service Association, San Francisco, CA (US)
Filed by Visa International Service Association, San Francisco, CA (US)
Filed on Sep. 27, 2022, as Appl. No. 17/954,114.
Application 17/954,114 is a division of application No. 16/918,739, filed on Jul. 1, 2020, granted, now 11,509,481.
Prior Publication US 2023/0033497 A1, Feb. 2, 2023
Int. Cl. H04L 9/32 (2006.01); H04L 9/40 (2022.01); G06Q 20/40 (2012.01)
CPC H04L 9/3234 (2013.01) [G06Q 20/401 (2013.01); G06Q 20/4014 (2013.01); H04L 9/3226 (2013.01); H04L 63/083 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
receiving, by an authorizing entity computer, an authorization request message comprising a user identifier, a secret, and an access token from an access device in communication with a user device associated with a user during a transaction, wherein the transaction was determined by the access device to be authorized by the authorizing entity computer associated with the access device, wherein the authorizing entity computer is associated with the access device;
validating, by the authorizing entity computer, the secret;
retrieving, by the authorizing entity computer, a real credential of the user using the user identifier;
authorizing, by the authorizing entity computer, the transaction based on whether or not the secret is validated and/or whether or not the real credential is retrieved;
generating, by the authorizing entity computer, an authorization response message including an indication of whether or not the transaction is authorized, and the access token; and
providing, by the authorizing entity computer, the authorization response message to the access device.