US 12,170,730 B2
Unique token authentication verification value
Michael Cassin, Foster City, CA (US); Christian Flurscheim, Concord, CA (US); and Christopher Jones, Greenbrae, CA (US)
Assigned to Visa International Service Association, San Francisco, CA (US)
Filed by Visa International Service Association, San Francisco, CA (US)
Filed on Apr. 6, 2022, as Appl. No. 17/714,427.
Application 17/714,427 is a continuation of application No. 16/431,532, filed on Jun. 4, 2019, granted, now 11,329,822.
Application 16/431,532 is a continuation of application No. 15/632,223, filed on Jun. 23, 2017, granted, now 10,361,856, issued on Jul. 23, 2019.
Claims priority of provisional application 62/354,340, filed on Jun. 24, 2016.
Prior Publication US 2022/0231851 A1, Jul. 21, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 9/32 (2006.01); G06Q 20/12 (2012.01); G06Q 20/14 (2012.01); G06Q 20/36 (2012.01); G06Q 20/38 (2012.01); H04L 9/40 (2022.01)
CPC H04L 9/3213 (2013.01) [G06Q 20/12 (2013.01); G06Q 20/14 (2013.01); G06Q 20/3672 (2013.01); G06Q 20/3674 (2013.01); G06Q 20/385 (2013.01); H04L 63/062 (2013.01); H04L 63/08 (2013.01); H04L 9/32 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method, comprising:
providing by a resource provider computer to a service provider computer, a token request message for a token authentication cryptogram, wherein the service provider computer generates the token authentication cryptogram by encrypting at least user exclusive data;
receiving, by the resource provider computer from the service provider computer, the token authentication cryptogram; and
transmitting, by the resource provider computer, an authorization request message comprising a token, an amount, and the token authentication cryptogram to a transaction processing computer, wherein the transaction processing computer decrypts the token authentication cryptogram to obtain the user exclusive data and performs an additional analysis using the user exclusive data, wherein the token is a substitute for a credential.