US 12,273,346 B2
Access identifier provisioning to application
Dong Soon Denis Kang, Seoul (KR); Francois Hribovsek, Singapore (SG); Swapnil Vasant Mhasde, Singapore (SG); and Guan Heng Christophe Yeo, Singapore (SG)
Assigned to Visa International Service Association, San Francisco, CA (US)
Filed by VISA INTERNATIONAL SERVICE ASSOCIATION, San Francisco, CA (US)
Filed on Sep. 15, 2023, as Appl. No. 18/468,461.
Application 18/468,461 is a continuation of application No. 17/708,718, filed on Mar. 30, 2022, granted, now 11,799,862.
Application 17/708,718 is a continuation of application No. 16/347,175, granted, now 11,323,443, issued on May 3, 2022, previously published as PCT/US2017/063514, filed on Nov. 28, 2017.
Claims priority of provisional application 62/427,046, filed on Nov. 28, 2016.
Prior Publication US 2024/0007471 A1, Jan. 4, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 9/40 (2022.01); G06F 21/62 (2013.01); G06Q 20/38 (2012.01); H04W 12/30 (2021.01)
CPC H04L 63/10 (2013.01) [G06F 21/62 (2013.01); H04W 12/35 (2021.01); G06Q 20/385 (2013.01)] 19 Claims
OG exemplary drawing
 
1. A method comprising:
transmitting, by an application on a user device to a directory service computer, a token request to receive an access token that is associated with an account issued by an issuer computer, wherein the token request comprises identifying information including one or more of user device identification information, a digital wallet identifier, or information identifying a token server computer;
receiving, by the application on the user device from the token server computer, the access token in response to the token request transmitted to the directory service computer, wherein the access token is provisioned on the user device upon receipt by the application, wherein the token server computer is configured to determine the access token based on a virtual access identifier generated by the issuer computer for the account, wherein the directory service computer retrieves the virtual access identifier based on the identifying information and transmits the virtual access identifier to the token server computer;
initiating, by the application on the user device, a transaction by transmitting the access token to a transport computer; and
receiving, by the application on the user device, a notification regarding whether the transaction is approved or declined.