Patents Assigned to Visa International Service Association
  • Patent number: 11960480
    Abstract: Provided is a system that includes at least one processor programmed or configured to receive an XML data file, wherein the XML data file includes data associated with one or more input parameters of a machine learning model, generate a code generation template based on the data associated with one or more input parameters of the machine learning model included in the XML file, where the code generation template includes one or more keys associated with one or more parameters of a transaction aggregate for an account of a user, and generate a file of executable code based on the code generation template, wherein the file of executable code includes instructions that, when executed by at least one processor, causes at least one processor to retrieve transaction aggregate data associated with the transaction aggregate for the account of the user. A method and computer program product are also provided.
    Type: Grant
    Filed: September 5, 2019
    Date of Patent: April 16, 2024
    Assignee: Visa International Service Association
    Inventors: Hongqin Song, Yu Gu, Roger Cheng-Chung Huang, Ran Xu, Shawn Johnson
  • Patent number: 11961072
    Abstract: Embodiments of the invention are directed to systems and methods for conducting a transaction utilizing a cryptocurrency. The user may fund a cryptocurrency account with his pre-existing cryptocurrency. An issuer may purchase cryptocurrency within a cryptocurrency exchange. The user may then utilize a payment device (e.g., a Crypto Debit Card) that is associated with a cryptocurrency balance to conduct a transaction with a merchant for goods and/or services. An authorization request message may be transmitted to the authorizing entity computer. The authorizing entity computer may determine a cryptocurrency amount corresponding to the fiat currency transaction amount of the authorization request message. A sell request message may be transmitted to an exchange that facilitates the sale of the cryptocurrency amount.
    Type: Grant
    Filed: September 30, 2021
    Date of Patent: April 16, 2024
    Assignee: Visa International Service Association
    Inventors: Xi Li, Wen Zhao Cheng, Jun Ryan Menorca Tagama, Satrajit Ray, Gabriel Jin Juan Ang, Lavanya Rengarajan
  • Patent number: 11960581
    Abstract: A method is disclosed. The method includes transmitting, by a user device to an access device, a digital certificate and a seed. The access device encrypts the seed and a first access device key with a public key from the digital certificate to form encrypted data. The method also includes receiving from the access device, the encrypted data, decrypting the encrypted data using a private key corresponding to the public key to obtain the seed and the first access device key, verifying that the seed received from the access device matches the seed sent to the access device, encrypting a secret or derivative thereof with the first access device key to form an encrypted secret or derivative thereof, and transmitting to the access device, the encrypted secret or derivative thereof.
    Type: Grant
    Filed: February 5, 2021
    Date of Patent: April 16, 2024
    Assignee: Visa International Service Association
    Inventors: Yuexi Chen, Marc Kekicheff
  • Publication number: 20240119454
    Abstract: An event driven system and method for traveler thematic destination segmentation are disclosed. The event driven system includes a processor and a memory coupled to the processor to store machine instructions executable by the processor. When executed by the processor the machine instructions cause the processor to extract clearance and settlement transaction data from a database, prepare the clearance and settlement transaction data, clean geo-data associated with the clearance and settlement transaction data, enrich and standardize the geo-data, scrape theme data associated with a trip from a public network, verify the relevant theme data associated with the trip, enrich and standardize geo-data associated with the relevant theme data associated with the trip, and map the enriched and standardized geo-data associated with the clearance and settlement transaction data to the enriched and standardized geo-data associated with the relevant theme data associated with the trip.
    Type: Application
    Filed: October 6, 2023
    Publication date: April 11, 2024
    Applicant: Visa International Service Association
    Inventors: Naryman el-Sayed Mohamed Ahmed DARWISH, Manoj NAIR, Asli Nur TOPCU, Ghanashyama MAHANTY
  • Patent number: 11954677
    Abstract: Provided herein is a computer-implemented method for provisioning a token to an appliance. The method includes registering an original account identifier to an appliance, wherein the original account identifier is not associated with any user, associating a device token to the original account identifier, wherein the device token is stored by the appliance, associating a user account identifier for a user to at least one of the device token and the original account identifier, receiving, from the appliance, a transaction request for a transaction, the transaction request including the device token, identifying the user account identifier based on the device token, determining that the transaction is authorized based at least partially on the user account identifier and the original account identifier registered to the at least one appliance, and in response to determining that the transaction is authorized, processing the transaction. A system and appliance are also disclosed.
    Type: Grant
    Filed: March 27, 2018
    Date of Patent: April 9, 2024
    Assignee: Visa International Service Association
    Inventors: Surendra Vyas, Vaibhav Shukla, Sindhu Shankar Rao, Satya Prakash Tripathi
  • Patent number: 11956359
    Abstract: A method is disclosed. The method includes receiving, by a processing network computer from a relying party computer associated with a relying party, a request for data associated with a user operating a user device. The processing network computer may retrieve first encrypted data of the user having a user-layer of encryption. The processing computer can then generate a second symmetric key to add a relying party-layer of encryption to the first encrypted data using a stream cipher. The doubly encrypted data may be transmitted to a user device that removes the user-layer of encryption on the first doubly encrypted data, and then adds a second relying party-layer of encryption to form second doubly encrypted data. The second doubly encrypted data may be transmitted to the relying party computer, which can remove both relying party-layers of encryption to gain access to the data associated with the user.
    Type: Grant
    Filed: February 10, 2022
    Date of Patent: April 9, 2024
    Assignee: Visa International Service Association
    Inventors: Sunpreet Singh Arora, Saikrishna Badrinarayanan, Srinivasan Raghuraman, Kim Wagner, Gaven Watson
  • Patent number: 11954197
    Abstract: A user may conduct a plurality of access requests with a plurality of resource provider computers. A processor server computer may determine whether resource provider computers store access data associated with the user in various ways, including detecting patterns in sets of a plurality of access requests conducted between the user and each of the plurality of resource provider computers. Upon detecting that access data has changed, the processor server computer may automatically send the updated access data to each of the identified resource provider computer.
    Type: Grant
    Filed: May 1, 2023
    Date of Patent: April 9, 2024
    Assignee: Visa International Service Association
    Inventors: Meredith Altenhofen, Amy Alterman, Robert Yost
  • Patent number: 11954701
    Abstract: The disclosure relates to a real-time merchandising system for the communication of offers and the acceptance or rejection of the communicated offers. The offers communicated may be based on the location of the merchandising system, the time of day and the user device that is in proximity of the system. The merchandising system may require no, or a minimum of, user interaction for an offer to be accepted or rejected or for the offer to expire. It may also be configured to track and analyze offer campaign effectiveness.
    Type: Grant
    Filed: March 23, 2020
    Date of Patent: April 9, 2024
    Assignee: Visa International Service Association
    Inventor: Jerry Wald
  • Patent number: 11954679
    Abstract: In some embodiments, a method includes receiving, from a user of a user device, a request for an authorization-by-proxy payment on delivery (POD); requesting, at the user device, the user identify an authorized proxy for the authorization-by-proxy POD; generating an authorization-by-proxy code based upon buyer-controlled payment control parameters; and using the buyer-controlled payment parameters to control processing of a payment for the authorization-by-proxy POD. In some embodiments, the method further includes pre-authorizing, at shipment time of merchandise associated with the authorization-by-proxy POD, a hold on a monetary amount associated with an order of the merchandise associated with the authorization-by-proxy POD.
    Type: Grant
    Filed: June 28, 2022
    Date of Patent: April 9, 2024
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Sam Hamilton, Akon Samir Dey, Vaibhav Prakash Gajre, Veerabhadraiah Lingadhalli Matadha
  • Patent number: 11956349
    Abstract: A method is disclosed. The method comprises transmitting, by an access device to a communication device, a resource provider certificate and an access device certificate. Then, establishing a secure channel between the access device and the communication device using data from the resource provider certificate and the access device certificate. Then, transmitting to or receiving data from the communication device using the secure channel.
    Type: Grant
    Filed: October 29, 2018
    Date of Patent: April 9, 2024
    Assignee: Visa International Service Association
    Inventors: Brian Sullivan, Dinah Sloan, Christian Aabye, Hao Ngo, Yuexi Chen, Fahimeh Rezaei
  • Patent number: 11954517
    Abstract: The present disclosure relates to Application Programming Interface (API) framework that discloses a computer implemented method, polling service system, and non-transitory computer readable medium for providing dynamic endpoints for performing data transactions with a corresponding candidate application server. The method has two phases: a polling phase and a transaction phase. In the polling phase, the polling service system receives a first API request from one or more source devices and provides a dynamic endpoint for the one or more source devices to interact with the corresponding candidate application server of their requirement. In the transaction phase, the corresponding candidate application server receives a second API request from the one or more source devices through the dynamic endpoint generated during the polling phase, and performs data transactions.
    Type: Grant
    Filed: May 4, 2021
    Date of Patent: April 9, 2024
    Assignee: Visa International Service Association
    Inventor: Sai Nikhil Chennoor
  • Patent number: 11954218
    Abstract: Embodiments of the present disclosure provide systems, methods, and apparatuses for addressing the above problems through the use of access rules that involve analyzing historical access request result data for various data elements individually and in combination over a predefined time interval. An automated determination can be made for whether a transaction can be authenticated based upon the historical access request result data (e.g., ultimately, deciding whether the data element or set of data elements are associated with a valid access request).
    Type: Grant
    Filed: February 8, 2021
    Date of Patent: April 9, 2024
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Hung-Tzaw Hu, Haochuan Zhou, Ge Wen, Benjamin Scott Boding
  • Publication number: 20240112160
    Abstract: A method is disclosed. The method comprises generating, by sender device or a sender computer associated with a sender, a base token in a token space associated with parameters. The base token can comprise one or more token attributes within the parameters, and an amount. The base token can then be signed, by the sender device or the sender computer, to form a minted token. The method may then include transmitting, by the sender device to a receiver device, a transfer request comprising the minted token.
    Type: Application
    Filed: February 17, 2022
    Publication date: April 4, 2024
    Applicant: Visa International Service Association
    Inventors: Minghua Xu, Shan Jin
  • Publication number: 20240112163
    Abstract: The W-CONNECTOR (“W-CONNECTOR”) facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The W-CONNECTOR may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet.
    Type: Application
    Filed: September 30, 2023
    Publication date: April 4, 2024
    Applicant: Visa International Service Association
    Inventors: Thomas Purves, Shilpak Mahadkar, Tenni Theurer, Ayman Hammad
  • Patent number: 11948142
    Abstract: The disclosed system and method provides a display on the representation of the electronic transaction account and the display may display information about the electronic transaction account or other data desired to be displayed by the consumer.
    Type: Grant
    Filed: November 7, 2019
    Date of Patent: April 2, 2024
    Assignee: Visa International Service Association
    Inventor: Binit Pokhrel
  • Patent number: 11948033
    Abstract: Embodiments of the invention are directed to a user device. A fingerprint sensor can be located adjacent to electrical contacts. As a result, both the fingerprint sensor and the electrical contacts can be directly connected to an underlying memory within the user device. The direct connection allows the user device to be free of wires.
    Type: Grant
    Filed: August 24, 2021
    Date of Patent: April 2, 2024
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Yuexi Chen, Thomas Rapkoch
  • Patent number: 11947650
    Abstract: Embodiments of the invention are directed to a method. The method may include transmitting, by a first device, an encrypted first biometric template generated from a first biometric sample of a user of the first device to a second device, wherein the second device inputs the encrypted first biometric template and a second biometric template generated from a second biometric sample of the user into a function to generate an encoded output. The first device may receive the encoded output from the second device, and may decode the encoded output to recover the encrypted first biometric template and the second biometric template of the user. Upon determining a match result between first and second biometric templates, the first device may transmit unique data to the second device.
    Type: Grant
    Filed: September 29, 2022
    Date of Patent: April 2, 2024
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Quan Wang
  • Patent number: 11947526
    Abstract: Provided is a system, method, and apparatus for generating analytics with structured query files. The method includes the steps of generating at least one graphical user interface configured to receive query parameters from a user for querying transaction data, generating a request file based on the query parameters, the request file including a request definition object and a segment object, processing the request file to query at least one transactional database based at least partially on the request file, and generating a response file including transaction data based on a return from the query of the at least one database, the response file structured based on the request definition object from the request file.
    Type: Grant
    Filed: April 5, 2022
    Date of Patent: April 2, 2024
    Assignee: Visa International Service Association
    Inventors: Kevin Isao Mori, Lace Cheung
  • Patent number: 11948064
    Abstract: Methods, systems, and computer program products are provided for cleaning noisy data from unlabeled datasets using autoencoders. A method includes receiving training data including noisy samples and other samples. An autoencoder network is trained based on the training data to increase a first metric based on the noisy samples and to reduce a second metric based on the other samples. Unlabeled data including unlabeled samples is received. A plurality of third outputs is generated by the autoencoder network based on the plurality of unlabeled samples. For each respective unlabeled sample, a respective third metric is determined based on the respective unlabeled sample and a respective third output, and whether to label the respective unlabeled sample as noisy or clean is determined based on the respective third metric and a threshold. Each respective unlabeled sample determined to be labeled as noisy is cleaned.
    Type: Grant
    Filed: September 2, 2022
    Date of Patent: April 2, 2024
    Assignee: Visa International Service Association
    Inventors: Qingguo Chen, Yiwei Cai, Dan Wang, Peng Wu
  • Patent number: 11948146
    Abstract: Provided is a computer-implemented method for securely receiving data via a third-party webpage, including: generating configuration data in response to a request from a first system, the configuration data including a public key of a first key pair; digitally signing the configuration data based on a private key of a second key pair; transmitting the configuration data to the first system, the configuration data including code configured to facilitate the first system to embed a plurality of frames in a webpage, wherein the plurality of frames loads content from a domain that is independent from a domain that hosts the webpage; and verifying the configuration data based on a public key of the second key pair. The computer-implemented method may also include receiving, from a master frame of the plurality of frames, encrypted data. Systems and computer program products are also provided.
    Type: Grant
    Filed: September 13, 2022
    Date of Patent: April 2, 2024
    Assignee: Visa International Service Association
    Inventors: Bartlomiej Piotr Prokop, James Donaldson, Ryan Gillan, Matthew Neill