Patents Assigned to Visa International Service Association
  • Publication number: 20220374850
    Abstract: A central platform provides proxy dynamic values for any one of a number of a cardholder's portable payment devices, upon a request for such information made during a transaction. The proxy dynamic value can be provided to the merchant, who then can route it into the acceptance network in order to initiate the authentication process. The central platform provides the actual primary account number associated with the proxy dynamic value during the authentication process.
    Type: Application
    Filed: August 5, 2022
    Publication date: November 24, 2022
    Applicant: Visa International Service Association
    Inventors: Thomas Purves, Chris Gardner, Oleg Makhotin
  • Publication number: 20220376894
    Abstract: Systems and methods for adaptive attack resistant distributed symmetric cryptography are disclosed. A client computer may communicate with a number of cryptographic devices in order to encrypt or decrypt data. Each cryptographic device may possess multiple secret shares corresponding to distinct secret values, which may be used in the process of encrypting or decrypting data. The client computer may generate multiple commitments and transmit those commitments to the cryptographic devices. Each cryptographic device may generate a partial computation based on the commitments and their respective secret shares. The partial computations may be transmitted to the client computer. The client computer may use the partial computations to generate a cryptographic key. The client computer may use the cryptographic key to encrypt a message or decrypt ciphertext.
    Type: Application
    Filed: July 25, 2022
    Publication date: November 24, 2022
    Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Pratyay Mukherjee
  • Publication number: 20220374878
    Abstract: A system includes a processor and a non-transitory computer readable medium coupled to the processor. The non-transitory computer readable medium comprises code that when executed by the processor, causes the processor to receive a money transfer amount indicative of an amount of funds to be transferred to a recipient. The processor generates a key code associated with the money transfer amount that is provided to a user of the system and given to the recipient by the user. The key code is programmed by the processor to enable the recipient to use the key code to redeem the amount of funds associated with the money transfer amount.
    Type: Application
    Filed: May 18, 2021
    Publication date: November 24, 2022
    Applicant: Visa International Service Association
    Inventor: Vladimir Andral
  • Patent number: 11507929
    Abstract: Techniques are disclosed which include receiving, by a central entity computer, a request for digital currency. The request includes a serial number and a denomination of a physical currency. The central entity computer generates the digital currency for the denomination and linked to the serial number. The generating includes recording the digital currency on a blockchain. The central entity computer transmits a notification of the generation of the digital currency. The central entity computer causes removal of the physical currency from circulation in a fiat currency system.
    Type: Grant
    Filed: November 8, 2019
    Date of Patent: November 22, 2022
    Assignee: Visa International Service Association
    Inventors: Simon J Hurry, Alexandre Pierre
  • Patent number: 11509481
    Abstract: A method includes providing an initial communication, by an access device to a user device. The access device can receive the user identifier and the access token and receive a secret associated with the user. The access device can determine, using the user identifier and/or the access token, if the transaction is authorized by an authorizing entity computer associated with the access device or by an authorizing entity not associated with the access device. If the transaction is authorized by the authorizing entity computer associated with the access device, the access device can transmit an authorization request message comprising the user identifier, the secret, and the access token to the authorizing entity computer. The authorizing entity computer validates the secret, retrieves a real credential of the user using the user identifier, and authorizes the transaction.
    Type: Grant
    Filed: July 1, 2020
    Date of Patent: November 22, 2022
    Assignee: Visa International Service Association
    Inventor: Barbara Patterson
  • Patent number: 11509478
    Abstract: Embodiments disclosed herein are directed to methods and systems of password-based threshold authentication, which distributes the role of an authentication server among multiple servers. Any t servers can collectively verify passwords and generate authentication tokens, while no t?1 servers can forge a valid token or mount offline dictionary attacks.
    Type: Grant
    Filed: October 15, 2018
    Date of Patent: November 22, 2022
    Assignee: Visa International Service Association
    Inventors: Payman Mohassel, Shashank Agrawal, Pratyay Mukherjee, Peihan Miao
  • Publication number: 20220368674
    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: Application
    Filed: July 22, 2022
    Publication date: November 17, 2022
    Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Benjamin Scott Boding, Christopher Holmes, Cory Siddens, Henry Wong
  • Patent number: 11502837
    Abstract: The system and methods described herein may be utilized to perform operations in a faster and less complex manner than provided by conventional systems. An encrypted record may be stored at a user device. The encrypted record may include entries related to operations that were previously requested by the user device. The encrypted record may have been encrypted using a dynamic value and a key that is associated with an entity associated with the user. A recipient computer of a request by the user device may be configured to utilize the dynamic value provided in the request and the key associated with the entity to derive the encryption key(s) last used to encrypt the record. The recipient computer may decrypt and modify the encrypted record to perform the requested operation while the user device is precluded from doing so.
    Type: Grant
    Filed: April 24, 2019
    Date of Patent: November 15, 2022
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Sivanarayana Gaddam, Rohit Sinha, Atul Luykx, Hao Yang
  • Patent number: 11501288
    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: February 9, 2016
    Date of Patent: November 15, 2022
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Mary Taylor, Laura A. Long, Michael Mori, Rajat Das
  • Patent number: 11501274
    Abstract: A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. The invention enables the updating, correction or synchronization of transaction data maintained by an Issuer with that stored on the device. This is accomplished by using a wireless (cellular) network as a data communication channel for data provided by an Issuer to the mobile device, and is particularly advantageous in circumstances in which the contactless element is not presently capable of communication with a device reader or point of sale terminal that uses a near field communications mechanism. Data transferred between the mobile device and Issuer may be encrypted and decrypted to provide additional security and protect the data from being accessed by other users or applications.
    Type: Grant
    Filed: May 3, 2017
    Date of Patent: November 15, 2022
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Christian Aabye, Hao Ngo, David William Wilson, Gustavo Mariath Zeiden, Chris Pitchford, Kiushan Pirzadeh
  • Patent number: 11500702
    Abstract: A method is disclosed. The method comprising receiving, by a processor computer from a coordination computer, a push transfer instruction message comprising a recipient address associated with a recipient, a data item, and a time period for transferring the data item to a recipient account associated with the recipient address. The method also includes storing, by the processor computer, the push transfer instruction message. After the time period, the push transfer instruction message comprising the data item is transmitted to a recipient authorizing entity computer associated with the recipient address to transfer the data item.
    Type: Grant
    Filed: April 26, 2021
    Date of Patent: November 15, 2022
    Assignee: Visa International Service Association
    Inventors: Gregory Loomis, Shantnu Singh, Manikandan Radhakrishnan
  • Patent number: 11501277
    Abstract: A computerized method for providing an interactive graphical user interface (GUI) to a user on a display of a mobile device. The method interacts with the user to obtain information about a first payment account and a second payment account. The method aggregates parameters of the first payment account and the second payment account on a unified GUI on the mobile device. The method further monitors transactions of the first payment account and the second payment account. When a particular transaction conducted by the first payment account includes parameters associated with the second payment, the method identifies that particular transaction and presents a confirmation GUI screen to the user to confirm using the second payment account instead.
    Type: Grant
    Filed: November 22, 2018
    Date of Patent: November 15, 2022
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Prithviraj Choudhury, Anup Tripathi, Shipra Jha, Claudia Wyatt
  • Publication number: 20220360449
    Abstract: The invention is directed to a system that enables an authentication process that involves secure multi-party computation. The authentication process can be performed between a user device operated by a user and an access device. The user device and the access device may conduct the authentication process such that enrollment information and authentication information input by the user is not transmitted between the devices. Instead, the user device may determine and utilize obfuscated values associated with the authentication information. The user device may also determine an obfuscated authentication function that can be utilized to determine an authentication result without revealing enrollment information and authentication information associated with the user. The user can be authenticated based on the authentication result.
    Type: Application
    Filed: July 25, 2022
    Publication date: November 10, 2022
    Applicant: Visa International Service Association
    Inventors: Kim R. Wagner, John F. Sheets
  • Publication number: 20220358242
    Abstract: Client devices can send access request messages to resource management computers to request access to a resource. A data security hub can provide centralized routing between different client devices, resource management computers, and authentication data processing servers. The data security hub can reduce the risk of sensitive authentication information from leaking (e.g., due to a breach) by limiting the amount or types of authentication information distributed to the data processing servers. The data security hub can limited the authentication information being distributed based on its sensitivity, the trust level of the client device, and the security level of the requested resource. The data security hub can also evaluate the client devices and data processing servers to identify security breaches and can cancel or reroute access requests accordingly. Thus, the data security hub can maintain resource security while better preserving the privacy of the client device's authentication information.
    Type: Application
    Filed: July 29, 2022
    Publication date: November 10, 2022
    Applicant: Visa International Service Association
    Inventors: Theodore Harris, John F. Sheets, Mark Nelsen, Yue Li, Craig O'Connell
  • Patent number: 11494243
    Abstract: Embodiments of the invention are directed to enabling access transaction systems to accept different communication protocols. In some embodiment, an access device receives, from a portable device, an indication that a transaction is to be performed by exchanging transaction information between the portable device and a remote computer, wherein the remote computer is configured to communicate using a first communication protocol. Next, the access device determines that the portable device is configured to communicate using a second communication protocol. The access device then converts communications between the portable device and the remote computer from the second communication protocol to the first communication protocol to assist the portable device and the remote computer in exchanging the transaction information.
    Type: Grant
    Filed: December 19, 2019
    Date of Patent: November 8, 2022
    Assignee: Visa International Service Association
    Inventors: Yuexi Chen, Marc Kekicheff, Philippe Martin
  • Patent number: 11494771
    Abstract: Provided is a computer-implemented method for authenticating a transaction. The method includes associating, in at least one database, a plurality of voice identifiers with a plurality of users, each voice identifier of the plurality of voice identifiers corresponding to a user having at least one account identifier, receiving audio data comprising a spoken voice identifier, determining a detected voice identifier from the plurality of voice identifiers in the at least one database, the detected voice identifier matching the spoken voice identifier, determining a user from the plurality of users based at least partially on the detected voice identifier, in response to determining the user of the plurality of users, communicating a notification to a device associated with the user, the notification comprising transaction data associated with the transaction, and in response to receiving an authentication signal from the device associated with the user, conducting the transaction.
    Type: Grant
    Filed: July 24, 2017
    Date of Patent: November 8, 2022
    Assignee: Visa International Service Association
    Inventors: Venkata Naga Pradeep Kumar Kaja, Vijayaraju Konkathi
  • Patent number: 11496467
    Abstract: A biometric matching process is disclosed. The biometric matching process may be used to obtain access to a resource managed by an access device using only biometric information. In some embodiments, a biometric template is stored in relation to a user device and/or account information, and is obscured. Upon receiving a request for access to a resource from an access device, the system may identify a number of user devices in proximity to the access device. Biometric templates associated with each of those user devices may be compared to a biometric template received from the access device. Upon identifying a match, the system may provide the access device with account information stored in relation to the matched biometric template. The access device may then complete a transaction using the provided account information and grant access to the requested resource.
    Type: Grant
    Filed: July 30, 2018
    Date of Patent: November 8, 2022
    Assignee: Visa International Service Association
    Inventors: Kim R. Wagner, Lacey Best-Rowden, John F. Sheets
  • Patent number: 11496466
    Abstract: A computer-implemented method for improving security of a biometrics-based authentication system comprises receiving, by one or more servers, enrolled biometric samples of an enrolled user during an enrollment stage of the biometrics-based authentication system. Augmented biometric samples are created by adding learned perturbations to the enrolled biometric samples of the enrolled user. During a request for authentication, submitted biometric samples are received from a second user. The submitted biometric samples of the second user are compared to the enrolled biometric samples and to the augmented biometric samples of the enrolled user based on predefined metrics. Based on the comparison it is determined whether the submitted biometric samples of the second user have been modified to impersonate the enrolled user.
    Type: Grant
    Filed: November 15, 2019
    Date of Patent: November 8, 2022
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Yuhang Wu, Sunpreet Singh Arora, Hao Yang
  • Patent number: 11496481
    Abstract: A system and method of establishing a resource provider as a trusted listing are disclosed. The method includes receiving, by a directory server computer, an indication from a user that a resource provider is trusted. The directory server computer is programmed to provide a first level of authentication. The method then includes storing, in a database, data representing the indication from the user that the resource provider is trusted. The method then includes receiving an authentication request message from the user conducting an interaction at the resource provider computer and determining that the data representing the indication from the user that the resource provider is trusted is present. In response to determining, the method includes providing a second level of authentication to the user before the user is allowed to complete the interaction. The second level of authentication is lower than the first level.
    Type: Grant
    Filed: April 24, 2019
    Date of Patent: November 8, 2022
    Assignee: Visa International Service Association
    Inventors: Mark Nelsen, David William Wilson, Guido Mangiagalli, Anjana Neera Surin, Sayeed Mohammed, Alan Johnson, Phillip Lavender, Glenn Powell
  • Patent number: D969208
    Type: Grant
    Filed: January 8, 2021
    Date of Patent: November 8, 2022
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Yuexi Chen, Thomas Rapkoch