US 11,880,815 B2
Device enrollment system and method
Ayman Hammad, Pleasanton, CA (US); and 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 Jul. 6, 2022, as Appl. No. 17/858,934.
Application 15/973,410 is a division of application No. 13/237,840, filed on Sep. 20, 2011, abandoned.
Application 17/858,934 is a continuation of application No. 15/973,410, filed on May 7, 2018, granted, now 11,410,142.
Claims priority of provisional application 61/385,124, filed on Sep. 21, 2010.
Prior Publication US 2023/0004947 A1, Jan. 5, 2023
Int. Cl. G06Q 20/12 (2012.01); G06Q 20/32 (2012.01); G06Q 20/36 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G06Q 20/42 (2012.01); H04W 12/069 (2021.01)
CPC G06Q 20/12 (2013.01) [G06Q 20/3223 (2013.01); G06Q 20/3674 (2013.01); G06Q 20/385 (2013.01); G06Q 20/3825 (2013.01); G06Q 20/38215 (2013.01); G06Q 20/4018 (2013.01); G06Q 20/42 (2013.01); H04W 12/069 (2021.01); G06Q 2220/00 (2013.01)] 14 Claims
OG exemplary drawing
 
1. A method comprising:
downloading, by a mobile device, an application;
installing, by the mobile device, the application on the mobile device;
receiving, by the mobile device, payment data;
downloading, by the mobile device, a verification token along with the application, wherein the verification token indicates that payment transactions conducted by the mobile device are to be processed as card present payment transactions by a server computer;
storing, by the mobile device, the verification token and the payment data;
requesting, by the mobile device, a card verification value through the application, the request including the verification token;
receiving, by the mobile device, an encrypted card verification value in response to requesting the card verification value;
decrypting, by the mobile device, the encrypted card verification value using a private key stored on the mobile device to obtain a decrypted card verification value;
transmitting, by the mobile device to an access device, the payment data and the decrypted card verification value during a payment transaction, wherein the payment transaction initiated by the mobile device qualifies as a card present transaction based on presence of the decrypted card verification value obtained in part using the verification token and despite missing data obtained from a chip during card present transactions; and
receiving, by the mobile device, an indicator indicating that the payment transaction is approved by the server computer.