Patent ID: 11943231
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: Digital communication (Electrical engineering)
Classification: CPC H  G | IPC G  H

Claim 10:
11. A system comprising:
a mobile communication device comprising a processor and a memory including instruction that when executed by the processor performs operation comprising:
receiving, from an access device, access device data for conducting a transaction;
transmitting, to the access device, a token and a cryptogram;

a server computer including a processor; and
a memory, the memory comprising code, executable by the processor of the server computer, for implementing a method comprising:
receiving, from the mobile communication device for conducting the transaction, a token request, the token request including the access device data associated with the access device and communication device data associated with the mobile communication device, wherein the access device data and the communication device data are specific to the transaction;
determining the token and generating the cryptogram, the cryptogram generated using the access device data and the communication device data;
transmitting, to the mobile communication device, the token and the cryptogram;

receiving, from the access device, the token and the cryptogram;
decrypting the cryptogram;
determining a token assurance level based on the access device data and the communication device data in the decrypted cryptogram; and
based on the token assurance level, transmitting an authorization response message indicating whether the transaction is approved or rejected.