Granted Patent B2

US 12,355,899 · App. 17/046,721 · Granted Jul 8, 2025

Inventor: Feng Chi Wang (Austin, TX)

Assignee: Visa International Service Association

H04L9/3271G06F21/31G06F40/134H04L63/0838H04L63/0853H04L67/02G06Q20/3821G06Q20/401

Abstract

Claims (54)

1. A method comprising:

generating, by a remote server computer, a one-time passcode;

storing, by the remote server computer, the one-time passcode or a derivative of the one-time passcode as a stored one-time passcode;

generating, by the remote server computer, a link having the one-time passcode or the derivative embedded therein, the link being generated in response to receiving a credential from a communication device, wherein the link is generated based on characteristic information of the communication device;

transmitting, by the remote server computer, the link to a communications application executing on the communication device, wherein the communication device determines the one-time passcode by activating the link, wherein activating the link causes the communications application to: (i) determine, based on information included in the link, a host application of a plurality of host applications that is to be executed on the communication device, and (ii) change a display of the communication device by rendering a graphical user interface associated with the host application, the host application extracting the one-time passcode from the link;

receiving, by the remote server computer, the one-time passcode from the communication device;

verifying, by the remote server computer, that the one-time passcode received from the communication device or the derivative of the one-time passcode received from the communication device matches the stored one-time passcode or the derivative of the stored one-time passcode;

transmitting an authentication message to the communication device; and

providing, to the communication device, access to a resource based on authenticating the communication device, wherein the authentication message comprises an authentication cookie enabling the communication device to access the resource associated with the remote server computer.

2. The method of claim 1 , further comprising:

verifying, by the remote server computer, that the credential matches a corresponding credential in a credential database;

transmitting, by the remote server computer, a link confirmation message to the communication device; and

receiving a link confirmation response from the communication device, wherein the link confirmation response comprises an electronic address associated with the communication device, wherein the electronic address is an email address or telephone number.

3. The method of claim 2 , wherein the one-time passcode or the derivative of the one-time passcode is stored in association with the credential.

4. The method of claim 2 , wherein the link confirmation response additionally comprises a link format, wherein the link is generated based on the link format and the one-time passcode.

5. The method of claim 4 , wherein the link format corresponds to one or more communication device characteristics.

6. The method of claim 1 ,

wherein the credential comprises a username and password.

7. A remote server computer comprising:

a processor; and

a non-transitory computer readable medium coupled to the processor, the non-transitory computer readable medium comprising code executable by the processor for performing a method comprising:

generating a one-time passcode;

storing the one-time passcode or a derivative of the one-time passcode as a stored one-time passcode;

generating a link having the one-time passcode or the derivative embedded therein, the link being generated in response to receiving a credential from a communication device, wherein the link is generated based on characteristic information of the communication device;

transmitting the link to a communications application executing on the communication device, wherein the communication device determines the one-time passcode by activating the link, wherein activating the link causes the communications application to: (i) determine, based on information included in the link, a host application of a plurality of host applications that is to be executed on the communication device, and (ii) change a display of the communication device by rendering a graphical user interface associated with the host application, the host application extracting the one-time passcode from the link;

receiving the one-time passcode from the communication device;

verifying that the one-time passcode received from the communication device or the derivative of the one-time passcode received from the communication device matches the stored one-time passcode or the derivative of the stored one-time passcode;

transmitting an authentication message to the communication device; and

providing to the communication device, access to a resource based on authenticating the communication device, wherein the authentication message comprises an authentication cookie enabling the communication device to access the re source associated with the remote server computer.

8. A remote server computer of claim 7 , further comprising:

verifying, by the remote server computer, that the credential matches a corresponding credential in a credential database;

transmitting, by the remote server computer, a link confirmation message to the communication device; and

receiving a link confirmation response from the communication device, wherein the link confirmation response comprises an electronic address associated with the communication device, wherein the electronic address is an email address or telephone number.

9. The remote server computer of claim 8 ,

the one-time passcode or the derivative of the one-time passcode is stored in association with the credential.

10. The remote server computer of claim 8 ,

wherein the link confirmation response additionally comprises a link format, wherein the link is generated based on the link format and the one-time passcode.

11. The remote server computer of claim 10 ,

wherein the link format corresponds to one or more communication device characteristics.

12. One or more computer readable non-transitory media storing computer-executable instructions that, when executed by one or more processors, cause:

generating, by a remote server computer, a one-time passcode;

storing, by the remote server computer, the one-time passcode or a derivative of the one-time passcode as a stored one-time passcode;

generating, by the remote server computer, a link having the one-time passcode or the derivative embedded therein, the link being generated in response to receiving a credential from a communication device, wherein the link is generated based on characteristic information of the communication device;

transmitting, by the remote server computer, the link to a communications application executing on the communication device, wherein the communication device determines the one-time passcode by activating the link, wherein activating the link causes the communications application to: (i) determine, based on information included in the link, a host application of a plurality of host applications that is to be executed on the communication device, and (ii) change a display of the communication device by rendering a graphical user interface associated with the host application, the host application extracting the one-time passcode from the link;

receiving, by the remote server computer, the one-time passcode from the communication device;

verifying, by the remote server computer, that the one-time passcode received from the communication device or the derivative of the one-time passcode received from the communication device matches the stored one-time passcode or the derivative of the stored one-time passcode;

transmitting an authentication message to the communication device; and

providing, to the communication device, access to a resource based on authenticating the communication device, wherein the authentication message comprises an authentication cookie enabling the communication device to access the resource associated with the remote server computer.

13. The one or more computer readable non-transitory media storing computer-executable instructions of claim 12 ,

wherein a link confirmation response comprises a link format, the link format corresponding to one or more communication device characteristics.

14. The one or more computer readable non-transitory media storing computer-executable instructions of claim 12 ,

wherein the one-time passcode or the derivative of the one-time passcode is stored in association with the credential.

15. The one or more computer readable non-transitory media storing computer-executable instructions of claim 13 ,

wherein the link confirmation response additionally comprises a link format, wherein the link is generated based on the link format and the one-time passcode.

Assignments (1)

Continuity (1)

References Cited (70)