Patent ID: 11875313
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A method comprising:
receiving, by a computer system from a mobile communication device, a time window specified by a user during which the user does not have to re-enter a passcode for each transaction after a payment application in the mobile communication device has verified the passcode of the user, the time window including a start time point and an end time point;
receiving, by the computer system from the mobile communication device over a first network, a validation message from the mobile communication device that includes an indication that the payment application has verified the passcode of the user, an account identifier, and a timestamp when the passcode was entered into the mobile communication device;
receiving, by the payment processing network, a first authorization request message comprising the account identifier from a first access device over a second network, after the first access device interacts with the mobile communication device during a first transaction;
determining, by the payment processing network, whether the passcode has been validated for the mobile communication device by querying the computer system;
in response to the query, determining, by the computer system, that the validation message associated with the mobile communication device has been received;
determining, by the computer system, that the validation message includes an indicator indicating that the payment application on the mobile communication device has verified the passcode of the user;
determining, by the computer system, that the first transaction is occurring within the time window after the timestamp;
in response to determining that the first transaction is occurring within the time window after the timestamp, sending, by the computer system to the payment processing network, a response indicating that the passcode has been validated by the mobile communication device;
updating, by the payment processing network, the first authorization request message with an indication that the passcode has been validated by the mobile communication device, based on the response from the computer system;
forwarding by the payment processing network the updated first authorization request message to an issuer;
receiving, by the payment processing network, a second authorization request message from a second access device, after the second access device interacts with the mobile communication device during a second transaction, and wherein the user did not re-enter the passcode into the payment application on the mobile communication device to conduct the second transaction;
sending, by the payment processing network to the computer system, a request to verify that the second transaction occurs within the time window;
determining, by the computer system, that the second transaction occurs within the time window;
sending, by the computer system to payment processing network, a response indicating that the second transaction occurs within the time window;
updating, by the payment processing network, the second authorization request message with an indication that the second transaction occurs within the time window authorized for the mobile communication device, based on the response indicating that the second transaction occurs within the time window from the computer system; and
forwarding by the payment processing network the second authorization request message to the issuer.