SYSTEMS AND METHODS FOR LOCALLY DERIVED TOKENS
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United States of America Patent
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Issued Date -
Sep 24, 2015
app pub date -
Mar 18, 2015
filing date -
Mar 18, 2014
priority date (Note) -
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status (Latency Note)
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Abstract
Systems and methods for generating a token are provided. An access device may receive, from a token vault computer, an encryption key and a credential identifier. The access device may generate a token using the encryption key and a current time. The access device may then transmit the token, the current time, and the credential identifier to the token vault computer. The token vault computer may receive the token, a current time, and a credential identifier. The token vault computer may retrieve an encryption key associated with the received credential identifier. The token vault computer may then validate the token based at least in part on the received current time and the retrieved encryption key.
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