Granted Patent B2

US 12,301,718 · App. 18/061,863 · Granted May 13, 2025

Inventor: Anandan Ethirkottai Sundararajan (Karnataka, IN)

Assignee: Visa International Service Association

H04L9/3213H04L9/30H04L2209/60

Abstract

Claims (44)

1. A method comprising:

generating, by a server computer, an NFT request message comprising a first address associated with a user of a user device and a second address associated with an entity;

providing, by the server computer, the NFT request message for a non-fungible token (NFT) to a service provider computer associated with a blockchain network that manages NFTs, wherein the service provider computer and the blockchain network records ownership of the NFT to the first address and the second address;

receiving, by the server computer from the service provider computer, NFT identifying data comprising a contract address and a token identifier that identifies the NFT;

providing, by the server computer, the NFT identifying data comprising the contract address and the token identifier to the user device;

receiving, by the server computer, an authorization request message comprising a transaction amount, the contract address and the token identifier during an interaction between the user device and a resource provider computer;

verifying, by the server computer, that the NFT referenced by the contract address and the token identifier, is assigned to the first address and the second address;

responsive to verifying that the NFT is referenced by the contract address and the token identifier, is assigned to the first address and the second address, determining, by the server computer, a credential stored in association with the contract address and the token identifier using a conversion table, the credential being a primary account number;

modifying, by the server computer, the authorization request message to include the credential; and

providing, by the server computer, the authorization request message to an authorizing entity computer for authorization of the transaction amount for the interaction.

2. The method of claim 1 , wherein the authorization request message is from the resource provider computer associated with a resource provider.

3. The method of claim 1 further comprising:

storing, by the server computer, an expiry date in association with the contract address, the token identifier, and the credential.

4. The method of claim 3 further comprising:

determining, by the server computer, whether or not the contract address and the token identifier are expired based on the expiry date.

5. The method of claim 1 , wherein the server computer is a processing network computer, wherein the method further comprises:

storing, by the processing network computer, the contract address, and the token identifier in association with the credential.

6. The method of claim 1 , wherein the resource provider computer is a merchant computer.

7. The method of claim 1 , wherein the interaction is a location access interaction, a data access interaction, a secure webpage access interaction, and/or a payment transaction.

8. The method of claim 1 , wherein the first address is a user public key and the second address is a server computer public key.

9. The method of claim 1 , wherein the interaction is a payment transaction.

10. A 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 implementing a method comprising:

generating an NFT request message comprising a first address associated with a user of a user device and a second address associated with an entity;

providing the NFT request message for a non-fungible token (NFT) to a service provider computer associated with a blockchain network that manages NFTs, wherein the service provider computer and the blockchain network records ownership of the NFT to the first address and the second address;

receiving, from the service provider computer, NFT identifying data comprising contract address and a token identifier that identifies the NFT;

providing the NFT identifying data comprising the contract address and the token identifier to the user device;

receiving an authorization request message comprising a transaction amount, the contract address and the token identifier during an interaction between the user device and a resource provider computer;

verifying that an NFT, referenced by the contract address and the token identifier, is assigned to the first address and the second address;

if verified, determining a credential stored in association with the contract address and the token identifier using a conversion table, the credential being a primary account number;

modifying the authorization request message to include the credential; and

providing the authorization request message to an authorizing entity computer for authorization of the transaction amount for the interaction.

11. The method of claim 1 , wherein the second address is a public key of the server computer.

12. The method of claim 1 , wherein the first address is a user public key.

13. The method of claim 1 , wherein the contract address identifies a smart contract.

14. The server computer of claim 10 , wherein the contract address identifies a smart contract.

15. The server computer of claim 10 , wherein the interaction is a payment transaction.

16. The server computer of claim 10 , wherein the resource provider computer is a merchant computer.

17. The server computer of claim 10 , wherein the server computer is a network processing computer.

18. The server computer of claim 10 , wherein the entity validates whether or not the NFT, identified by the NFT identifying data, is associated with the user device in a smart contract identified by the contract address.

19. The server computer of claim 10 , wherein the entity is the server computer, wherein the method further comprises:

validating the NFT and the NFT identifying data during the interaction.

20. The server computer of claim 10 , wherein the NFT is stored on an NFT blockchain.

Assignments (1)

Continuity (1)

References Cited (24)