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 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.