US 12,346,903 B2
Identification and verification for provisioning mobile application
Vishwanath Shastry, Mountain View, CA (US); Shalini Mayor, Foster City, CA (US); and Calvin Chen, Fremont, CA (US)
Assigned to Visa International Service Association, San Francisco, CA (US)
Filed by Visa International Service Association, San Francisco, CA (US)
Filed on Jan. 9, 2023, as Appl. No. 18/152,108.
Application 18/152,108 is a continuation of application No. 17/307,861, filed on May 4, 2021, granted, now 11,568,405.
Application 17/307,861 is a continuation of application No. 14/732,458, filed on Jun. 5, 2015, granted, now 11,023,890, issued on Jun. 1, 2021.
Claims priority of provisional application 62/008,399, filed on Jun. 5, 2014.
Prior Publication US 2023/0142487 A1, May 11, 2023
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/38 (2012.01)
CPC G06Q 20/401 (2013.01) [G06Q 20/38215 (2013.01); G06Q 20/405 (2013.01)] 18 Claims
OG exemplary drawing
 
1. A method comprising:
executing, by a mobile application stored on a user device, instructions to generate a device fingerprint associated with the user device, wherein the mobile application includes a software development kit (SDK) associated with a server computer, the SDK retrieving user device information from the user device and generating the device fingerprint based on the retrieved user device information including a unique user device identifier;
transmitting, by the mobile application to the server computer, a request for a token representing an account of a user along with user information and the device fingerprint;
obtaining, by the mobile application, a unique code upon successful performance of an authentication process;
transmitting, by SDK of the mobile application to the server computer, the unique code;
receiving, by the mobile application from the server computer, the token representing the account of the user along with a status associated with the token, wherein the status of the token is based on the device fingerprint, the user information and the unique code, wherein the status of the token determines parameters for the token; and
transmitting, by the mobile application to a terminal of a transacting entity, the token in connection with a transaction, wherein the server computer processes the transaction using the token without performing further validation or authentication based on the status of the token, and the transaction is authorized or declined based on the parameters defined by the status of the token.