Patents Assigned to Visa International Service Association
  • Publication number: 20250112901
    Abstract: A method includes a server computer receiving, from a first data provider computer, encrypted data derived from first identity data and a cryptographic key or derivative thereof stored at the first data provider computer. The server computer transmits, to a second data provider computer, the encrypted data and/or the cryptographic key or derivative thereof. The server computer receives, from the second data provider computer, intermediate data derived from second identity data stored at the second data provider computer. The server computer determines if the first identity data and the second identity data are duplicates while the first identity data and the second identity data are encrypted. The server computer removes one of encrypted first identity data, derived from the first identity data, and encrypted second identity data, derived from the second identity data, from a memory in the server computer.
    Type: Application
    Filed: February 24, 2023
    Publication date: April 3, 2025
    Applicant: Visa International Service Association
    Inventors: Sunpreet Singh Arora, Saikrishna Badrinarayanan, Sikhar Patranabis, Srinivasan Raghuraman, Kim Wagner, Gaven James Watson
  • Publication number: 20250112774
    Abstract: A method includes receiving a first encrypted first identity attribute. A first doubly encrypted first identity attribute is formed by encrypting the first encrypted first identity attribute. A second doubly encrypted first identity attribute is formed by encrypting the first encrypted first identity attribute. They are transmitted to a user device, which removes a user layer of encryption on each to form a second encrypted first identity attribute and a third encrypted first identity attribute. Layers of encryption are added to the second encrypted first identity attribute to form a third doubly encrypted first identity attribute and the third encrypted first identity attribute to form a fourth doubly encrypted first identity attribute. The server computer receives them and transmits, to the second identity provider computer, the fourth doubly encrypted first identity attribute. The second identity provider computer obtains a first identity attribute and compares it to a second identity attribute.
    Type: Application
    Filed: June 12, 2023
    Publication date: April 3, 2025
    Applicant: Visa International Service Association
    Inventors: Gaven James Watson, Sunpreet Singh Arora, Srinivasan Raghuraman, Kim R. Wagner, Jason Lightman
  • Publication number: 20250111361
    Abstract: Methods and systems for using a mobile device as a point-of-sale (POS) terminal provisioned by a resource provider are provided. A server computer can transmit, to a resource provider computer, a set of platform-specific scripts to be incorporated into a resource provider application provisioned on a user device. The server computer can register each instance of the resource provider application provisioned on any user device as an access terminal associated with the resource provider computer. The server computer can receive, directly from an instance of the resource provider application on a user device, a processing request message to perform a transaction. The server computer can obtain an authorization decision on behalf of the resource provider computer and transmit the authorization decision to the user device and the resource provider computer.
    Type: Application
    Filed: September 29, 2023
    Publication date: April 3, 2025
    Applicant: Visa International Service Association
    Inventors: Salvador Ricardo, Cristina Villarroel, Ricardo Collada, Jenny Ramirez, Daniel Villar, Manuel Alfredo Ferreiro Caballero, Maikel Zuniga, Liset Iturriaga Chavez
  • Publication number: 20250112902
    Abstract: A method is disclosed. The method includes receiving, by a user device from the access device, a routing path list comprising a first set of network nodes. After receiving the routing path list, the user device determines a routing options list comprising a second set of network nodes based on the first set of network nodes in the routing path list. The method also includes obtaining an encrypted credential or token, and transmitting, by the user device to the access device, the routing options list, and the encrypted credential or token to the access device. The access device transmits an authorization request message comprising the encrypted credential or token, and the routing options list to a server computer via at least some of the network nodes in the second set of network nodes. The server computer may be an authorizing entity computer.
    Type: Application
    Filed: May 23, 2022
    Publication date: April 3, 2025
    Applicant: Visa International Service Association
    Inventor: Yuexi Chen
  • Publication number: 20250111250
    Abstract: A method includes extracting, by an analysis computer, a plurality of first datasets from a plurality of graph snapshots using a structural self-attention module. The analysis computer can then extract at least a second dataset from the plurality of first datasets using a temporal self-attention module across the plurality of graph snapshots. The analysis computer can then perform graph context prediction with at least the second dataset.
    Type: Application
    Filed: December 11, 2024
    Publication date: April 3, 2025
    Applicant: Visa International Service Association
    Inventors: Aravind Sankar, Yanhong Wu, Liang Gou, Wei Zhang, Hao Yang
  • Publication number: 20250111437
    Abstract: A method and system for migrating a payment instrument portfolio. A payment network computer receives a payment instrument portfolio conversion request message from an issuer computer to convert a payment instrument portfolio from a prior payment instrument scheme to a new payment instrument portfolio based on a new payment instrument scheme. The request message includes information about existing payment instrument references from the prior payment instrument scheme. The payment network computer creates enrollments based on the information about the existing payment instrument references and sends a portfolio migration event notification message to a payment instrument requestor partner computer associated with a payment network payment instrument requestor identifier subscribed to a new event type for the payment instrument portfolio migration.
    Type: Application
    Filed: September 28, 2023
    Publication date: April 3, 2025
    Applicant: Visa International Service Association
    Inventors: Kerstin Gleie, Christopher Jones, Ranjit Bhaskar, Liping Dai, Geoffrey Brookman, Brandon Haenlein, Mitchell Lee Wright
  • Publication number: 20250103596
    Abstract: The present disclosure provides various devices, systems, and methods that can improve and/or optimize the computing resource utilization of database servers. For example, according to one aspect, the present disclosure provides a method that includes intercepting queries submitted for execution by a database server and applying a set of object values for each of the queries to a prediction model to predict success or failure of the execution of each of the queries. The method can further include preventing the execution of the queries that are predicted to fail and forwarding the queries that are predicted to succeed to the database server for execution.
    Type: Application
    Filed: September 27, 2023
    Publication date: March 27, 2025
    Applicant: Visa International Service Association
    Inventor: Kireeti Kesavamurthy
  • Publication number: 20250106628
    Abstract: The method includes receiving a broadcast signal from a beacon device, the broadcast signal encoding a first credential associated with a first entity. In response to receipt of the broadcast signal, the mobile communication device transmits the received first credential to an authentication system. The authentication system determines if the first entity associated with the broadcast signal is authentic and generates a confirmation message confirming the authenticity of the first entity. The mobile communication device then receives the confirmation message indicating that the first entity is authentic. The mobile communication thereafter receives and transmits a second credential for the mobile communication device to the beacon device, which transmits the second credential to the authentication system. The authentication system then confirms the authenticity of the mobile communication device. Then, the beacon device can initiate an interaction process with the user of the mobile communication device.
    Type: Application
    Filed: December 10, 2024
    Publication date: March 27, 2025
    Applicant: Visa International Service Association
    Inventors: Quan Wang, Kyle Crouse
  • Publication number: 20250103476
    Abstract: A method is configured to perform a continuous software testing. A processor receives, from a code developer computer, a request to commit a code portion for a microservice to a code repository including a source code for a plurality of microservices. The processor executes, using the source code into which the code portion is incorporated, a test transaction routine including tests respectively associated with the plurality of microservices. The processor determines if an error occurred in response to the executing the test transaction routine. If no error occurred, the code portion is committed to the code repository, and, if an error occurred, the code portion is not committed to the code repository.
    Type: Application
    Filed: December 11, 2024
    Publication date: March 27, 2025
    Applicant: Visa International Service Association
    Inventors: Vivek Gangadhar Hegadi, Sudipto Nandan, Sreejith Achazhiyathkalathil, Arullroja Arumugam
  • Publication number: 20250104027
    Abstract: A pay-per-view system and method are disclosed. A token management server computer receives an account credential from a content creator and sends a content creator token reference to a content delivery network. A content license server computer receives a request for a content license key from a content player. The request includes the content creator token reference and a content player token reference. The content license server computer validates the content creator token reference, validates the content player token reference, receives a token validation response from the token management server computer, creates a time bound license for content created by the content creator, and sends the content license key to the content player.
    Type: Application
    Filed: September 26, 2023
    Publication date: March 27, 2025
    Applicant: Visa International Service Association
    Inventor: Ved Prakash Sajjan Kumar Agarwal
  • Publication number: 20250104075
    Abstract: Systems and methods for automated transaction control and verification for e-commerce platforms, the method comprising receiving, by a control server, data elements of an e-commerce transaction, wherein each data element of the data elements is of a data element-type of a plurality of data element-types; inputting, by the control server, the data elements in a multi-layer identity verification module; generating, by the multi-layer identity verification module, based on the data elements, a verification score for an identity variable of at least one layer of the multi-layer identity verification module, wherein the identity variable is comprised of at least one of the plurality of data element-types; and directing an e-commerce merchant system to apply a transaction outcome action based on implementation of transaction rules set by the e-commerce merchant system that are based on the verification score.
    Type: Application
    Filed: September 26, 2023
    Publication date: March 27, 2025
    Applicant: Visa International Service Association
    Inventors: Rong Zhang, Sean Nathaniel Barding, Haochuan Zhou, Shan Qin, Shivani Shivanand Suryawanshi, Clarence Siu
  • Patent number: 12259961
    Abstract: A method includes an access device determining an interaction value associated with an interaction. The access device prompts a user operating a user device for a secret. The access device receives the secret. The access device receives an initial communication then a user device certificate comprising a public key from the user device. The access device then verifies the certificate. The access device concatenates at least the secret and an unpredictable number to form a concatenated value. The access device encrypts the concatenated value with the public key, then transmits the encrypted concatenated value. The user device decrypts the encrypted concatenated value with a private key, verifies the unpredictable number, verifies the secret, determines whether or not the interaction is approved, produces an interaction authorization result, and then provides the interaction authorization result to the contactless access device. The access device receives the interaction authorization result.
    Type: Grant
    Filed: August 31, 2021
    Date of Patent: March 25, 2025
    Assignee: Visa International Service Association
    Inventors: Yuexi Chen, Marc Kekicheff
  • Patent number: 12261457
    Abstract: A plurality of wireless charging systems may be employed within a network at a venue or other physical area to precisely locate a battery-operated node of the network. The location of the node may then be used to manage a transaction between that node and another node within the network when the transaction is associated with that precise location.
    Type: Grant
    Filed: September 10, 2019
    Date of Patent: March 25, 2025
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Yu Gu
  • Patent number: 12259808
    Abstract: Provided is a computer-implemented method, system, and computer program product for automatic selection of tests for software system regression testing using machine learning including generating a test mapping including at least one test of a plurality of tests corresponding to a source file. The plurality of tests and the at least one source file are associated with a software repository. Further, determining a defective score for the at least one test based on historical test data of the at least one test, receiving a component criticality score and a defect definition corresponding to the source file, generating a key value corresponding to at least one test based on the defective score, component criticality score, and defect definition, determining a subset of tests of the plurality of tests based on the key value corresponding to the at least one test; and executing the subset of tests with the software repository.
    Type: Grant
    Filed: January 13, 2022
    Date of Patent: March 25, 2025
    Assignee: Visa International Service Association
    Inventors: Priyanka, Parthasaradhi Buraga
  • Patent number: 12260380
    Abstract: Systems and methods for processing a financial transaction are provided. In a method conducted at an issuing server computer associated with a first entity, a transaction request message is transmitted to an acquiring server computer associated with a second entity. The transaction request message is in respect of a push transaction in which funds from the first entity are transferred to the second entity and includes a first set of data elements. In response to transmitting the transaction request message, a transaction response message and a second set of data elements are received. The second set of data elements are associated with the first set of data elements and the financial transaction is processed using information contained in the first set of data elements and the second set of data elements.
    Type: Grant
    Filed: October 5, 2023
    Date of Patent: March 25, 2025
    Assignee: Visa International Service Association
    Inventors: Koni Uttam Nayak, Ashish Kulpati, Pankaj Rajurkar, Glenn Leon Powell
  • Patent number: 12260392
    Abstract: Provided are methods, systems, and computer program products for verifying a card image file. A system may include at least one processor programmed or configured to parse a card image file to determine card data represented by the card image file, generate a plurality of simulated payment transactions based on the card data, each simulated payment transaction including simulated transaction data, issue a plurality of commands to the payment device emulator, the plurality of commands based on the simulated transaction data for the plurality of simulated payment transactions, receive a plurality of command responses generated by the payment device emulator based on the plurality of commands, and verify the card image file based on the plurality of command responses and the card data.
    Type: Grant
    Filed: September 15, 2020
    Date of Patent: March 25, 2025
    Assignee: Visa International Service Association
    Inventors: Alexandre Pierre, Carl Smith, Kiat Chun Tan, Baoxiang Kang, Li Huang, Yuexi Chen
  • Patent number: 12261955
    Abstract: Described are a system and computer program product for secure n-party computation. The system includes a computing device programmed or configured to communicate an input to a trusted execution environment (TEE), and receive a first encrypted output. The computing device is also programmed or configured to post the first encrypted output on a blockchain and receive a first proof of publication. The computing device is further programmed or configured to communicate the first proof of publication to the TEE and receive the first function output of the n-party computation. The computing device is further programmed or configured to communicate a witness to the TEE and receive a second encrypted output. The computing device is further programmed or configured to post the second encrypted output on the blockchain, receive a second proof of publication, communicate the second proof of publication to the TEE, and receive the second function output.
    Type: Grant
    Filed: September 26, 2023
    Date of Patent: March 25, 2025
    Assignee: Visa International Service Association
    Inventors: Ranjit Kumar Kumaresan, Srinivasan Raghuraman, Rohit Sinha
  • Publication number: 20250094948
    Abstract: Systems and methods disclosed herein include a mobile solution to enable users to perform financial transaction over a network using a mobile device. These techniques allow users to maintain a single personal account identifier or number (“PAN”) on the user's mobile device and to utilize it to access a plurality of linked financial accounts and sub-accounts. Any one of the accounts can be selected by a user on the mobile device to remotely deposit funds to that account based on an image of a financial payment instrument. The image can be obtained using image capture technology on the user's mobile device. Users can perform a financial transaction using the verified images over a network in order to conduct a remote financial transaction such as applying a deposit, a payment, or cash load to a designated account which is linked to the user's mobile account in real-time or near real-time.
    Type: Application
    Filed: December 6, 2024
    Publication date: March 20, 2025
    Applicant: Visa International Service Association
    Inventor: Penny Diane Jurss
  • Publication number: 20250097040
    Abstract: A user device generates an initiate interaction request message comprising a state commitment. The user device provides the initiate interaction request message to a first server computer, which creates a verify state request message comprising an interaction index, an interaction index commitment, and a first commitment signature formed from the state commitment and the interaction index commitment. The user device receives the verify state request message, then generates a modified verify state request message comprising a user device public key, the state commitment, the interaction index commitment, and the first commitment signature. The user device provides the modified verify state request message to a second server computer. The second server computer verifies the state commitment, verifies the first commitment signature, and creates a second commitment signature formed from the state commitment and the interaction index commitment.
    Type: Application
    Filed: December 4, 2024
    Publication date: March 20, 2025
    Applicant: Visa International Service Association
    Inventors: Gaven James Watson, Kim Wagner, Saikrishna Badrinarayanan, Srinivasan Raghuraman
  • Publication number: 20250097206
    Abstract: Embodiments of the invention are directed to a method for reducing a computational burden of a blockchain provider. A data processing computer may facilitate an exchange of a data transfer message between respective applications of a first and second device. The data processing computer may maintain an electronic record according to the exchange. A net transfer value may be determined for the record and data comprising the net transfer value may be transmitted to a blockchain provider. Receipt of the data by the blockchain provider may cause the blockchain provider to update a ledger with the net transfer value.
    Type: Application
    Filed: December 2, 2024
    Publication date: March 20, 2025
    Applicant: Visa International Service Association
    Inventors: Meredith Altenhofen, Jason Blackhurst, Quan Wang