Invention Grant
- Patent Title: Replacing token on a multi-token user device
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Application No.: US15462658Application Date: 2017-03-17
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Publication No.: US10915899B2Publication Date: 2021-02-09
- Inventor: Eduardo Lopez , Robert Michael Yost
- Applicant: Visa International Service Association
- Applicant Address: US CA San Francisco
- Assignee: Visa International Service Association
- Current Assignee: Visa International Service Association
- Current Assignee Address: US CA San Francisco
- Agency: Kilpatrick Townsend & Stockton LLP
- Main IPC: G06Q20/40
- IPC: G06Q20/40 ; G06Q30/00 ; G06Q20/22 ; G06Q20/34 ; G06Q20/38 ; G06Q20/20

Abstract:
Embodiments of the invention are directed to methods, systems, and devices for replacing a token on a user device, such as a transaction card. The transaction card includes tokens representing an actual account identifier which is not visible on the transaction card. The transaction card may store a first token on a and include a digital display that displays a second token. When the first token or the second token is compromised, the compromised token is replaced without replacing the transaction card. When the second token is compromised, the compromised token is replaced with a new replacement second token using an electronic device. The replacement second token replaces the old second token on the digital display. After the second token is compromised and before the replacement second token is provisioned on the transaction card, the transaction card may still be used for transactions using other tokens provisioned on the card.
Public/Granted literature
- US20180268405A1 REPLACING TOKEN ON A MULTI-TOKEN USER DEVICE Public/Granted day:2018-09-20
Information query