Systems and methods for code display and use

Patent metadata

Field	Value
Publication number	US-11720893-B2
Application number	US-202117349708-A
Country	US
Kind code	B2
Filing date	Jun 16, 2021
Priority date	Feb 1, 2016
Publication date	Aug 8, 2023
Grant date	Aug 8, 2023

Abstract

Embodiments of the present invention relate to systems and methods that allow users to use their communication devices to perform transactions (e.g., payment transactions, access transactions, etc.). To complete a transaction, a resource provider electronically generates a code representing transaction data and displays it on an access device. The user scans the code with his or her communication device using a camera associated with the communication device, for example. The code is interpreted by an application on the communication device. The user may request and receive a token at the communication device corresponding to sensitive information selected to perform the transaction (e.g., a primary account number). The user may then provide the token and the transaction data via the communication device to a server computer, which may facilitate completion of the transaction between the user and the resource provider using the transaction data and the token.

First claim

What is claimed:

1. A method comprising:
receiving, by a token server computer from an application provider computer in connection with a transaction between a user device of a user and an access device of a resource provider, a token request for a token, the token request comprising a token reference identifier;
in response to receiving the token request from the application provider computer:
retrieving, by the token server computer, the token using a stored mapping between the token reference identifier and the token, wherein the token is associated with an account of the user;
providing, by the token server computer to the application provider computer, the token, wherein the application provider computer initiates an authorization request message including the token to authorize the transaction, wherein the authorization request message is received at a transaction processing computer without the token being exchanged between the user device and the access device and without the token being stored on the user device or the access device;

receiving, by the token server computer from the transaction processing computer, the token, wherein the access device had no access to the token during the transaction;
in response to receiving the token from the transaction processing computer:
determining, by the token server computer, an account number representing the account of the user based on the token; and
providing, by the token server computer, the account number to the a transaction processing computer, wherein the transaction processing computer processes the transaction using the account number.

2. The method of claim 1 , wherein the application provider computer received the token reference identifier from the user device, the token reference identifier corresponding to the account of the user selected on the user device.

3. The method of claim 2 wherein prior to providing the token reference identifier to the application provider computer, the user device obtained transaction data from a code displayed by the access device, wherein the code is a QR code and the access device is a point of sale device.

4. The method of claim 1 , wherein the token is derived from the account number by an algorithm.

5. The method of claim 1 , wherein the application provider computer received the token reference identifier from an application on the user device, the application managed by the application provider computer.

6. The method of claim 1 , wherein the token request also includes a request for a verification value.

7. The method of claim 1 , wherein the token request also includes a request for a verification value, the verification value including a card verification number.

8. The method of claim 7 , wherein the application provider computer generates a unique identifier after receiving the token from the token server computer and transmits the unique identifier, and the token, to the user device.

9. The method of claim 8 , wherein the user device is a mobile phone.

10. A token server computer comprising:
a processor; and
a non-transitory computer readable medium coupled to the processor, the non-transitory computer readable medium comprising code executable by the processor, to perform operations including:
receiving, from an application provider computer, a token request for a token in connection with a transaction between a user device of a user and an access device of a resource provider, a token request for a token, the token request comprising a token reference identifier;
in response to receiving the token request from the application provider computer:
retrieving the token using a stored mapping between the token reference identifier and the token, wherein the token is associated with an account of the user;
providing, to the application provider computer, the token, wherein the application provider computer initiates an authorization request message including the token to authorize the transaction, wherein the authorization request message is received at a transaction processing computer without the token being exchanged between the user device and the access device and without the token being stored on the user device or the access device;

receiving, from the transaction processing computer, the token, wherein the access device had no access to the token during the transaction;
in response to receiving the token from the transaction processing computer:
determining an account number representing the account of the user based on the token; and
providing providing, by the token server computer, the account number to the a transaction processing computer, wherein the transaction processing computer processes the transaction using the account number.

11. The token server computer of claim 10 , wherein the token request also includes a request for a verification value.

12. The token server computer of claim 10 , wherein the token is derived from the account number by an algorithm.

13. The token server computer of claim 10 , wherein determining the account number based on the token comprises using a look-up table to determine the account number.

14. A method comprising:
displaying, by an access device to a communication device in a transaction, a scannable code, wherein the scannable code comprises transaction data, wherein the communication device decodes the scannable code, and transmits a token request message comprising a token reference identifier and the transaction data to an application provider computer, which provides the token reference identifier to a token server computer, receives a token from the token server computer in exchange for the token reference identifier, and initiates an authorization request message including the token to authorize the transaction, wherein the authorization request message is received at a transaction processing computer without the token being exchanged between the communication device and the access device and without the token being stored on the communication device or the access device;
receiving, by a resource provider computer in communication with the access device, an authorization response message for the transaction without the token being exchanged between the communication device and one or more of the resource provider computer or the access device, and without being stored on the communication device, the resource provider computer or the access device, wherein the access device had no access to the token during the transaction; and
transmitting, by the resource provider computer to the access device, the authorization response message.

15. The method of claim 14 , wherein the access device is a point of sale terminal and the communication device is a mobile phone.

16. The method of claim 14 , wherein the resource provider computer is a merchant computer.

17. The method of claim 14 , wherein the application provider computer initiates the authorization request message by generating the authorization request message.

18. The method of claim 17 , wherein the authorization request message is transmitted to an authorizing entity computer, which authorizes the transaction.

Assignees

• Visa Int Service Ass

Inventors

• Flurscheim Christian
• Powell Glenn
• Aabye Christian
• Chitalia Jalpesh
• Wong Erick

Classifications

• G06Q20/385 Primary

  using an alias or single-use codes · CPC title

• G06K7/1417

  2D bar codes · CPC title

• G06Q20/3276

  using a pictured code, e.g. barcode or QR-code, being read by the M-device · CPC title

• G06Q20/4018

  using the card verification value [CVV] associated with the card · CPC title

• G06Q20/382

  insuring higher security of transaction · CPC title