Enhanced consumer device validation

US12105789B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Sanjeev Sharma · Herndon, US
• Manjush Menon · San Ramon, US
• Dmitri Bannikov · Mountain View, US

Key dates

• Filing date: Mar 23, 2020
• Grant date: Oct 1, 2024
• Expiry date: Mar 10, 2041

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q2220/00
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Unknown devices may be bound to an identity using a four step process that involves trusted relationships only between known partner entities and a known user attribute. The identity may be an account, such as a personal account number (PAN). The PAN may be abstracted using a token for use with the device. The unknown device may first be enrolled at a service to establish a cryptographically verifiable identity. A binding request for the enrolled device may be sent to an issuer of the PAN resulting in the issuer generating a challenge. After a successful authentication of the challenge at the token service provider, the binding of the token to the device is complete.