Patents Assigned to Visa International
  • Patent number: 11909727
    Abstract: An Internet-connected device, such as a car, refrigerator, or even a laptop can use a second device, such as a cell phone, to support cryptographic operations and communication with token service providers or other processing services requiring pre-provisioned capabilities that may include cryptographic secrets. By removing the need to store personally sensitive data in “Internet of Things” (IoT) devices, a user's personal information and other sensitive financial information may be contained to a relatively small number of devices. This may help prevent theft of goods or services by IoT devices that are not always under the close control of the user.
    Type: Grant
    Filed: August 31, 2022
    Date of Patent: February 20, 2024
    Assignee: Visa International Service Association
    Inventors: Hari Krishna Annam, Mohit Gupta, Soumendra Bhattacharya
  • Patent number: 11907274
    Abstract: A method is disclosed. The method includes receiving a text phrase from a user and parsing the text phrase using a natural language parser to generate distinct words. A vector of values relating to the distinct words is generated and compared to vectors in a graph database which relate to learned communities of language. Based on the comparing, a most similar community in the learned communities of language is determined and an action set associated with the most similar community is queried. A response to the text phrase from the user is then generated based on the action set and provided to the user.
    Type: Grant
    Filed: December 21, 2022
    Date of Patent: February 20, 2024
    Assignee: Visa International Service Association
    Inventors: Theodore D. Harris, Tatiana Korolevskaya, Yue Li
  • Patent number: 11907950
    Abstract: A method for validating user credentials in a transaction initiated with a portable payment device associated with a biometric verification process including establishing a communication protocol between the portable payment device and the point-of-sale system, determining at least one result corresponding to a verification requirement of the biometric verification process, in response to determining an absence result or a failure result of the verification requirement of the biometric verification process, determining an alternate verification process associated with the portable payment device, determining a verification requirement of the alternate verification process, and transmitting the verification requirement of the alternate verification process to the point-of-sale system. A system and computer program product for validating user credentials in a transaction are also disclosed.
    Type: Grant
    Filed: February 9, 2023
    Date of Patent: February 20, 2024
    Assignee: Visa International Service Association
    Inventor: Yuexi Chen
  • Patent number: 11909887
    Abstract: A method and system corresponding to a secure architecture for executing Internet of Things (IoT) device actions using blockchains is described. A network of IoT devices can manage two blockchains. The first blockchain can store operational data, collected from the IoT devices and written to the first blockchain. A second blockchain can be used to store action data.
    Type: Grant
    Filed: July 7, 2022
    Date of Patent: February 20, 2024
    Assignee: Visa International Service Association
    Inventors: Ajit Vilasrao Patil, Balkrishna Pangam, Yew Kuann Cheng
  • Patent number: 11907520
    Abstract: Provided is a method for configuring at least one rule, e.g., using a graphical user interface. The method may include displaying a graphical user interface including a polygon having at least three edges and an icon at a first position within the polygon. Each edge of the polygon may be associated with a potential outcome of at least one rule. An input to move the icon to a second position within the polygon may be received. The graphical user interface may be displayed with the icon at the second position within the polygon. A distance from the second position of the icon to each edge of the polygon may be determined. The rule(s) may be adjusted based on the distance from the second position of the icon to each edge of the polygon. A system and computer program product are also disclosed.
    Type: Grant
    Filed: March 10, 2023
    Date of Patent: February 20, 2024
    Assignee: Visa International Service Association
    Inventors: Nathan Ryan Wood, Carl David Tucker, Jr., Benjamin Scott Boding, Cory Howard Siddens, Andrew John Bruno Naumann zu Koenigsbrueck
  • Patent number: 11907984
    Abstract: A method for processing a chargeback request associated with at least one online transaction associated with a user includes: receiving a chargeback message associated with the at least one online transaction; based at least partially on the unfamiliar merchant name in the chargeback message, determining at least one potential familiar merchant name associated with the at least one unfamiliar merchant name; scanning a browser history of the user including browser data; determining whether the user visited a website associated with the at least one potential familiar merchant name; and generating and communicating a recommendation message including the at least one potential familiar merchant name. A system for processing a chargeback request associated with at least one online transaction associated with a user is also disclosed.
    Type: Grant
    Filed: August 29, 2022
    Date of Patent: February 20, 2024
    Assignee: Visa International Service Association
    Inventors: Rohit Sukhija, Aditya Ashok Kale
  • Publication number: 20240054809
    Abstract: A verification application executing at a user's mobile phone directs the user to take a photo of an identification document (e.g., driver's license or other form of government issued identification) or of their face. After the verification application sends the image to a backend service, the service may then dispatch a drone to the user's location and take a photograph of the user. The service may then validate the previously-imaged document or photo of the user's face against the photograph of the user and the geolocation sent with the first image. The service may then verify the new account and provision a token to the verification application to complete a secured account generation.
    Type: Application
    Filed: October 23, 2023
    Publication date: February 15, 2024
    Applicant: Visa International Service Association
    Inventor: William LEDDY
  • Patent number: 11900183
    Abstract: A method includes a deployment computer receiving a client request message comprising a plurality of established parameters and established values for the established parameters, and inquiry parameters and inquiry values for the inquiry parameters from a client computer. For each model of a plurality of models stored in a database, the deployment computer can determine if a model in the plurality of models is a suitable model based on a likelihood value. The deployment computer can then generate one or more client response messages comprising one or more assets created by one or more suitable models. The deployment computer can then transmit the one or more client response messages comprising the one or more assets to the client computer.
    Type: Grant
    Filed: September 28, 2022
    Date of Patent: February 13, 2024
    Assignee: Visa International Service Association
    Inventors: Sabu Peter, Karthikeyan Kandasamy, Hong Zhu
  • Patent number: 11900383
    Abstract: Methods for generating fraud detection rules based on transaction data may include receiving historical transaction data, associating tags with each transaction, generating decision trees having root nodes and child nodes operably connected to the respective root nodes, determining at least one primary rule and at least one set of secondary rules associated with the at least one primary rule based on relationships between features of the transactions, assigning primary rules and sets of secondary rules to the at least one decision tree to populate the tree, extracting a plurality of rule sets including at least one primary rule and one or more secondary rules, determining an ordering of the plurality of rule sets; and determining a subset of rule sets from the ordered plurality of rule sets against which subsequently received transactions are compared against to determine if the subsequent transactions are fraudulent.
    Type: Grant
    Filed: March 4, 2022
    Date of Patent: February 13, 2024
    Assignees: Visa International Service Association, Board of Regents, The University of Texas System
    Inventors: Youxing Qu, Yiwei Cai, Dan Wang, Harishkumar Sundarji Majithiya, Roshni Ann Samuel, Susan Finnegan, Claudia Barcenas, Himanshu Chauhan
  • Patent number: 11900361
    Abstract: Embodiments are directed to issuing tokens for identifiers associated with a resource provider account specific to the resource provider issuing the account. A resource provider processor system interfaces with a resource provider computer to validate account eligibility upon receiving a token request message. If the account is eligible for token generation, the resource provider processor system generates a universal identifier corresponding to the identifier associated with the resource provider account and returns the universal identifier to the token requestor. The token requestor may send a token request message to a token issuer for obtaining a token using the universal identifier. Accordingly, the universal account identifier can be used to provision a token into a digital wallet. Transactions using the token may be processed with the resource provider processor system acting as an account issuer.
    Type: Grant
    Filed: September 26, 2022
    Date of Patent: February 13, 2024
    Assignee: Visa International Service Association
    Inventors: Mary Taylor, Laura A. Long, Michael Mori, Rajat Das
  • Patent number: 11900230
    Abstract: A method for identifying subpopulations may include receiving interaction data associated with interactions from a population of individuals. The interaction data may include a plurality of features. A first subpopulation may be identified based on at least one feature of interaction data of each individual. A second subpopulation may include all individuals other than the first subpopulation. The first subpopulation may be clustered into a first plurality of clusters based on the features. A first subset of features may be determined based on the first clusters. The first subpopulation may be clustered into a second plurality of clusters based on the first subset of features. A range for each feature of a second subset of features may be determined based on the second clusters. A subset of the second subpopulation may be determined based on interaction data for each individual and the range for each feature of the second subset of features.
    Type: Grant
    Filed: July 17, 2019
    Date of Patent: February 13, 2024
    Assignee: Visa International Service Association
    Inventors: Yuran Zhou, Melissa Lawu Tran, Lawson Lau
  • Patent number: 11900380
    Abstract: Described herein is a system in which an electronic record is stored within a distributed environment. In this system, a validation node may receive a transaction record from an acceptance node. The validation node may verify that the acceptance node is authorized 5 to participate in a blockchain network, identify a user associated with the transaction record, and append the transaction record to an electronic record. The transaction record may be associated with a digital signature formed by hashing multiple data elements, and then encrypting the hashed data elements using a private encryption key.
    Type: Grant
    Filed: August 7, 2017
    Date of Patent: February 13, 2024
    Assignee: Visa International Service Association
    Inventors: Andrew Sierra, Chackan Lai
  • Patent number: 11900343
    Abstract: A payment device for conducting a transaction is provided. The payment device includes a device substrate, a payment device identifier visibly located on the device substrate, and a data storage region contained on or within the payment device. The payment device identifier does not include information identifying an issuer for the payment device. The data storage region comprises a first data storage sub region containing data corresponding to the payment device identifier, and a second data storage sub region electronically isolated from the first data storage sub region and containing data identifying the issuer of the payment device.
    Type: Grant
    Filed: June 27, 2019
    Date of Patent: February 13, 2024
    Assignee: Visa International Service Association
    Inventor: Shantnu Singh
  • Patent number: 11900359
    Abstract: The ELECTRONIC WALLET CHECKOUT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“EWCP”) transform customer purchase requests triggering electronic wallet applications via EWCP components into electronic purchase confirmation and receipts. In one implementation, the EWCP receives a merchant payment request, and determines a payment protocol handler associated with the merchant payment request. The EWCP instantiates a wallet application via the payment protocol handler. The EWCP obtains a payment method selection via the wallet application, wherein the selected payment method is one of a credit card, a debit card, a gift card selected from an electronic wallet, and sends a transaction execution request for a transaction associated with the merchant payment request. Also, the EWCP receives a purchase response to the transaction execution request, and outputs purchase response information derived from the received purchase response.
    Type: Grant
    Filed: May 17, 2021
    Date of Patent: February 13, 2024
    Assignee: Visa International Service Association
    Inventor: Avinash Kalgi
  • Patent number: 11900250
    Abstract: A system and method for using a deep learning model to learn program semantics is disclosed. The method includes receiving a plurality of execution traces of a program, each execution trace comprising a plurality of variable values. The plurality of variable values are encoded by a first recurrent neural network to generate a plurality of program states for each execution trace. A bi-directional recurrent neural network can then determine a reduced set of program states for each execution trace from the plurality of program states. The reduced set of program states are then encoded by a second recurrent neural network to generate a plurality of executions for the program. The method then includes pooling the plurality of executions to generate a program embedding and predicting semantics of the program using the program embedding.
    Type: Grant
    Filed: October 1, 2019
    Date of Patent: February 13, 2024
    Assignee: Visa International Service Association
    Inventor: Ke Wang
  • Patent number: 11900371
    Abstract: Embodiments of the invention are directed to methods, systems, and devices for replacing a token on a user device, such as a transaction card. The transaction card includes tokens representing an actual account identifier which is not visible on the transaction card. The transaction card may store a first token on a and include a digital display that displays a second token. When the first token or the second token is compromised, the compromised token is replaced without replacing the transaction card. When the second token is compromised, the compromised token is replaced with a new replacement second token using an electronic device. The replacement second token replaces the old second token on the digital display. After the second token is compromised and before the replacement second token is provisioned on the transaction card, the transaction card may still be used for transactions using other tokens provisioned on the card.
    Type: Grant
    Filed: January 7, 2021
    Date of Patent: February 13, 2024
    Assignee: Visa International Service Association
    Inventors: Eduardo Lopez, Robert Michael Yost
  • Patent number: 11902456
    Abstract: A method includes broadcasting, by a node computer, a propose message comprising a new block for a blockchain to a plurality of node computers in a network shard. The node computer can receive at least one vote message from the plurality of node computers, the at least one vote message indicating verification of the new block. The node computer can, after a predetermined amount of time, receive a plurality of pre-commit messages comprising at least the new block and a block certificate created based on the at least one vote message. If the number of received pre-commit messages of the plurality of pre-commit messages is greater than a quorum value associated with the network shard, the node computer can commit the new block to the blockchain.
    Type: Grant
    Filed: September 11, 2020
    Date of Patent: February 13, 2024
    Assignee: Visa International Service Association
    Inventors: Mahdi Zamani, Mustafa Ozdayi
  • Patent number: 11900449
    Abstract: A portal to provide user interfaces to users to access and/or purchase account features in connection with websites of issuers. The user interfaces have white label configurability that allows the issuers to customize the labeling of the user interfaces such that the user interfaces can be perceived as part of the websites of the issuers of the consumer accounts of the respective users. The user interfaces are configured to present, in a user friendly way, the account features currently in the consumer accounts, as well as optional account features that can be purchased at additional costs.
    Type: Grant
    Filed: August 31, 2021
    Date of Patent: February 13, 2024
    Assignee: Visa International Service Association
    Inventors: Anne Marie Louie, Shipra Jha
  • Patent number: 11902252
    Abstract: Techniques managing access rules are provided. Access rules and their associated profiles are determined for evaluation. A triggering rate or a triggering percentage can be used to indicate efficacy of the rule. Recommendations can be provided based on a triggering percentage difference of the rule during a predetermined period of time. The recommendations can be provided in an interactive user interface.
    Type: Grant
    Filed: July 22, 2022
    Date of Patent: February 13, 2024
    Assignee: Visa International Service Association
    Inventors: Benjamin Scott Boding, Christopher Holmes, Cory Siddens, Henry Wong
  • Patent number: 11899820
    Abstract: A system for storing and managing secure information is disclosed that includes a secure identity and profiling system, which serves as a middleman between a user and an entity requesting personally identifiable information (PII) from the user. The system collects the PII from the user and stores it securely, such as in an alternate blockchain in an encrypted form. The location of the that PII within the alternate blockchain may be indexed using smart contracts in a main blockchain that can only be read with an access token generated and supplied by the user's mobile device. When an entity requests PII from the user that has already been collected and securely stored, the user can provide permission to release that PII by providing the access token. The system will use the access token to locate where the PII is stored and release the PII to the requesting entity.
    Type: Grant
    Filed: September 7, 2022
    Date of Patent: February 13, 2024
    Assignee: Visa International Service Association
    Inventor: Sumit Amar