	US 12,437,289 B2
	Token processing for access interactions
Levi Lobato, Miguel Hidalgo Ciudad de Mexico (MX); Diego Norena, Miami, FL (US); Lee Araujo Martinez, Miguel Hidalgo Ciudad de Mexico (MX); and Gabriel Hernandez, Miguel Hidalgo Ciudad de Mexico (MX)
Assigned to Visa International Service Association, San Francisco, CA (US)
Appl. No. 17/798,705
Filed by Visa International Service Association, San Francisco, CA (US)
PCT Filed Feb. 19, 2020, PCT No. PCT/US2020/018773 § 371(c)(1), (2) Date Aug. 10, 2022, PCT Pub. No. WO2021/167600, PCT Pub. Date Aug. 26, 2021.
Prior Publication US 2023/0153800 A1, May 18, 2023
Int. Cl. G06Q 20/38 (2012.01)

CPC G06Q 20/3821 (2013.01) [G06Q 20/3823 (2013.01); G06Q 20/3829 (2013.01); G06Q 20/389 (2013.01); G06Q 2220/00 (2013.01)]

20 Claims

1. A method comprising:

receiving, by an access operator computer from an authorizing computer, notifications that transactions cannot be completed with a plurality of credentials;

cryptographically altering the credentials to form a plurality of tokens, the plurality of tokens forming a blacklist;

transmitting, by the access operator computer to an access device of an access provider, the blacklist;

storing, by the access device, the blacklist;

receiving, by the access device of the access provider from a payment device of a user, a credential during an interaction, wherein the access device is a first transit terminal comprising a first physical barrier adapted to prevent users from unauthorized access to a transit system;

cryptographically altering, by the access device, the credential to form a token;

determining, by the access device, if the token is on the blacklist stored at the access device;

determining, by the access device, that the token is not on the blacklist;

in response to determining that the token is not on the blacklist, moving the first physical barrier;

receiving, by the access operator computer from the access device, a first transaction request for a first transaction, the first transaction request comprising the credential, the first transaction request associated with a first transaction amount;

identifying, by the access operator computer, the token, based upon the credential in the first transaction request;

transmitting, by the access operator computer to the authorizing computer, a pre-authorization request message comprising the credential and a pre-authorization amount;

receiving, by the access operator computer, a pre-authorization response message from the authorizing computer;

receiving, by the access device or another access device, the credential from the payment device in a subsequent interaction,

cryptographically altering, by the access device or the another access device, the credential to form the token in the subsequent interaction, wherein the another access device is a second transit terminal comprising a second physical barrier adapted to prevent users from unauthorized access to the transit system;

determining if the token formed in the subsequent interaction is on the blacklist on the access device or another blacklist stored at the another access device;

receiving, by the access operator computer from the access device or the another access device, a second transaction request for a second transaction, the second transaction request comprising the credential, the second transaction request associated with a second transaction amount;

identifying, by the access operator computer, the token from the credential in the second transaction request;

determining, by the access operator computer, that the token in the second transaction request has been used at the access provider;

forming a total amount by aggregating, by the access operator computer, at least the first transaction amount and the second transaction amount; and

initiating transmitting a clearing message including the total amount.