Systems and methods for processing dormant virtual access devices

Patent metadata

Field	Value
Publication number	US-9998978-B2
Application number	US-201615130854-A
Country	US
Kind code	B2
Filing date	Apr 15, 2016
Priority date	Apr 16, 2015
Publication date	Jun 12, 2018
Grant date	Jun 12, 2018

Abstract

Embodiments of the invention are directed to ceasing the renewal of a virtual access device that is dormant. Some embodiments may receive a dormancy request from an authorization server, where the dormancy request includes information identifying a virtual access device. Embodiments may determine that the virtual access device is dormant based at least on previous transactions involving the virtual access device and at least one dormancy rule. Certain embodiments may send a dormancy response to the authorization server indicating that the virtual access device is dormant. An authorization server may determine not to renew a virtual access device based at least upon the dormancy response. As such, the authorization server need not provision a mobile device with an updated virtual access device.

First claim

What is claimed is:

1. A computing system comprising:
at least one processor and at least one memory coupled to the at least one processor, the at least one memory storing instructions, which when executed by the at least one processor cause the at least one processor to:
receive a dormancy request from an authorization server, wherein the dormancy request includes information identifying a virtual access device;
determine that the virtual access device is dormant based at least on previous transactions involving the virtual access device and at least one dormancy rule; and
send a dormancy response to the authorization server indicating that the virtual access device is dormant, wherein the authorization server determines whether to renew the virtual access device based on the dormancy response, and wherein renewing the virtual access device comprises provisioning an updated virtual access device to a mobile device with the virtual access device.

2. A computing system comprising:
at least one processor and at least one memory coupled to the at least one processor, the at least one memory storing instructions, which when executed by the at least one processor cause the at least one processor to:
receive a dormancy request from an authorization server, wherein the dormancy request includes information identifying a virtual access device;
determine that the virtual access device is dormant based at least on previous transactions involving the virtual access device and at least one dormancy rule;
send a dormancy response to the authorization server indicating that the virtual access device is dormant; and
cause the authorization server to cease a renewal of the virtual access device based on the dormancy response.

3. The computing system of claim 1 , wherein the at least one dormancy rule specifies that the virtual access device is determined to be dormant when a previous transaction occurred more than a threshold time period ago.

4. The computing system of claim 1 , wherein the virtual access device is associated with a mobile application running on a mobile device, and wherein the instructions, which when executed by the at least one processor further cause the at least one processor to:
determine a dormancy of at least one of the mobile application or one or more other virtual access devices being hosted by the mobile application; and
cause the authorization server to cease the renewal of the virtual access device based on the dormancy response and the dormancy of at least one of the mobile application or one or more of the other virtual access devices.

5. A computing system comprising:
at least one processor and at least one memory coupled to the at least one processor, the at least one memory storing instructions, which when executed by the at least one processor cause the at least one processor to:
receive a dormancy request from an authorization server, wherein the dormancy request includes information identifying a virtual access device associated with a user;
determine that the virtual access device is dormant based at least on previous transactions involving the virtual access device and at least one dormancy rule;
send a dormancy response to the authorization server indicating that the virtual access device is dormant;
determine a dormancy of one or more virtual access devices associated with the user by sending a request to an electronic wallet provider;
receive a response from the electronic wallet provider, the response indicating an activity level associated with the one or more virtual access devices associated with the user; and
enable the authorization server to determine whether to renew the virtual access device based on the dormancy response and the response from the electronic wallet provider.

6. A computing system comprising:
at least one processor and at least one memory coupled to the at least one processor, the at least one memory storing instructions, which when executed by the at least one processor cause the at least one processor to:
receive a dormancy request from an authorization server, wherein the dormancy request includes information identifying a virtual access device;
determine that the virtual access device is dormant based at least on previous transactions involving the virtual access device and at least one dormancy rule;
send a dormancy response to the authorization server indicating that the virtual access device is dormant;
in response to receiving the dormancy request from the authorization server, send a message to a user associated with the virtual access device inquiring whether to keep the virtual access device active;
receive a response indicating that the user does not want to keep the virtual access device active; and
send the response to the authorization server and enabling the authorization server to determine whether to renew the virtual access device based on the dormancy response and the response from the user.

7. The computing system of claim 1 , wherein a physical access device corresponds to the virtual access device, and wherein both the physical access device and the virtual access device enable a user to obtain access to a building.

8. The computing system of claim 1 , wherein the authorization server determines not to renew the virtual access device based at least on the dormancy response, and wherein the computing system thereby need not generate a new token for the renewal of the virtual access device.

9. The computing system of claim 1 , wherein the virtual access device is associated with a mobile application running on the mobile device, and wherein the instructions, which when executed by the at least one processor further cause the at least one processor to:
determine that at least one of the mobile application or one or more other virtual access devices being hosted by the mobile application is not dormant; and
send the determination that at least one of the mobile application or other virtual access devices is not dormant to the authorization server, and thereby causing the authorization server to provision the updated virtual access device onto the mobile device, the updated virtual access device being a new virtual access device replacing the virtual access device.

10. A method comprising:
receiving, by a server computer, a dormancy request from an authorization server, wherein the dormancy request includes information identifying a virtual access device;
determining, by the server computer, that the virtual access device is dormant based at least on previous transactions involving the virtual access device and at least one dormancy rule; and
sending, by the server computer, a dormancy response to the authorization server indicating that the virtual access device is dormant, wherein the authorization server determines whether to renew the virtual access device based on the dormancy response.

11. A method comprising:
receiving, by a server computer, a dormancy request from an authorization server, wherein the dormancy request includes information identifying a virtual access device;
determining, by the server computer, that the virtual access device is dormant based at least on previous transactions involving the virtual access device and at least one dormancy rule;
sending, by the server computer, a dormancy response to the authorization server indicating that the virtual access device is dormant; and
causing the authorization server to cease a renewal of the virtual access device based on the dormancy response.

12. The method of claim 10 , wherein the at least one dormancy rule specifies that the virtual access device is determined to be dormant when a previous tr

Assignees

• Visa Int Service Ass

Inventors

• Youdale Robert
• Mayor Shalini

Classifications

• H04W48/02 Primary

  Access restriction performed under specific conditions · CPC title

• H04W4/50 Primary

  Service provisioning or reconfiguring · CPC title

• H04L67/34

  involving the movement of software or configuration parameters  (network booting or remote initial program loading [RIPL] G06F9/4416) · CPC title

• H04L63/108

  when the policy decisions are valid for a limited amount of time · CPC title

• H04W4/001

  Electricity · mapped topic