Patents Assigned to Visa International Service Association
  • Patent number: 11194865
    Abstract: Systems, apparatuses, and methods are provided for identifying a corresponding string stored in memory based on an incomplete input string. A system can analyze and produce phonetic and distance metrics for a plurality of strings stored in memory by comparing the plurality of strings to an incomplete input string. These similarity metrics can be used as the input to a machine learning model, which can quickly and accurately provide a classification. This classification can be used to identify a string stored in memory that corresponds to the incomplete input string.
    Type: Grant
    Filed: April 21, 2017
    Date of Patent: December 7, 2021
    Assignee: Visa International Service Association
    Inventors: Pranjal Singh, Soumyajyoti Banerjee
  • Patent number: 11195176
    Abstract: Provided is a computer-implemented method, system, and computer program product for stand-in processing. The method includes receiving a transaction request message corresponding to a transaction, the transaction request message including a transaction value and an account identifier, determining whether to process the transaction request message as a stand-in transaction based at least partially on the transaction request message, in response to determining to process the transaction request message as a stand-in transaction, determining an account capacity corresponding to the account identifier, determining whether to authorize the stand-in transaction based at least partially on the transaction value and the account capacity, and in response to determining to authorize the stand-in transaction, completing the stand-in transaction. A system and computer program product are also disclosed.
    Type: Grant
    Filed: August 8, 2018
    Date of Patent: December 7, 2021
    Assignee: Visa International Service Association
    Inventors: Michele Lauren Banks Larsen, David Stephen Richey
  • Patent number: 11190496
    Abstract: Systems, methods, and computing device readable media for implementing fast oblivious transfer between two computing devices may improve data security and computational efficiency. The various aspects may use random oracles with or without key agreements to improve the security of oblivious transfer key exchanges. Some techniques may include public/private key strategies for oblivious transfer, while other techniques may use key agreements to achieve simultaneous and efficient cryptographic key exchange.
    Type: Grant
    Filed: June 7, 2019
    Date of Patent: November 30, 2021
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Daniel Siegfried Werner Masny, Peter Byerley Rindal
  • Patent number: 11190355
    Abstract: Embodiments of the invention are directed to a method. The method may comprise receiving a second biometric template of a user, and providing an authentication request message comprising an electronic identity and a derivative of the second biometric template of the user to a resource provider computer to conduct an interaction. The authentication request may be forwarded to a processing server computer by the resource provider computer, and the user device may receive an authentication response message comprising an authentication result from the processing server computer. The authentication result may be determined by the processing server computer based on a comparison of the derivative of the second biometric template to a derivative of a first biometric template accessible to the processing server computer. The authentication result may also be based on the validity of the electronic identity.
    Type: Grant
    Filed: June 2, 2017
    Date of Patent: November 30, 2021
    Assignee: Visa International Service Association
    Inventor: Quan Wang
  • Patent number: 11188901
    Abstract: Embodiments of the present invention are directed to methods, apparatuses, computer readable media and systems for securely processing remote transactions. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a mobile device. The method comprises receiving, by a mobile payment application on a secure memory of the mobile device, transaction data from a transaction processor application on the mobile device. The method further comprises validating that the transaction processor application is authentic and in response to validating the transaction processor application, providing encrypted payment credentials to the transaction processor application. The transaction processor application further initiates a payment transaction with a transaction processor server computer using the encrypted payment credentials.
    Type: Grant
    Filed: March 28, 2017
    Date of Patent: November 30, 2021
    Assignee: Visa International Service Association
    Inventors: Igor Karpenko, Oleg Makhotin, Kiushan Pirzadeh, Glenn Powell, John Sheets, Erick Wong
  • Patent number: 11182384
    Abstract: Described herein are systems and methods in which key values associated with events are aggregated as those events are processed by an event processing engine. In some embodiments, the system maintains a number of key-value mappings associated with a plurality of key values to be updated. Each key value may be associated with a key log that can be accessed to quickly generate useful information while minimizing the number of operations needed to generate that information. The key log may be updated each time that the associated key value is updated in order to maintain a running history of key-value updates.
    Type: Grant
    Filed: July 25, 2016
    Date of Patent: November 23, 2021
    Assignee: Visa International Service Association
    Inventor: Minghua Xu
  • Patent number: 11182778
    Abstract: Techniques described herein include a platform and process enabling an electronic appliance to locally store payment credentials, loyalty point information, receive price comparison information for an item, redeem rewards or loyalty points to determine a best offer for the item, and enable delivery of said item to a user with minimal user interaction. In some embodiments, an electronic appliance can receive a query for offers for an item, receive order information from a plurality of merchants about the item, and apply loyalty points to determine an offer for the item. Upon receiving confirmation the electronic appliance may transmit access credentials for ordering the item for delivery and updating the loyalty point information for the account utilized to purchase the item from the determined offer.
    Type: Grant
    Filed: May 26, 2016
    Date of Patent: November 23, 2021
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Nancy Kim, Sharon L. Gibson, Kelvan Howard, Ann Wang Reed, Rajive Gupta
  • Patent number: 11184389
    Abstract: Embodiments include apparatuses, methods, and systems for managing security of a communication network. A message, formatted based on a stateless communication protocol for a communication network, may be received from a first computing device and by a second computing device. The second computing device generates and further stores, based on a hash function stored in a storage device associated with the second computing device, a fingerprint of the message. The fingerprint is generated using the hash function based on at least a portion of a header of the message or a portion of a body of the message. In addition, the second computing device detects whether the generated fingerprint of the message has a duplicated fingerprint already stored in the storage device, where the message is a retried message or replayed message of a message having the duplicated fingerprint. Other embodiments may also be described and claimed.
    Type: Grant
    Filed: October 31, 2019
    Date of Patent: November 23, 2021
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Ryan Valdeur McCarter
  • Patent number: 11176536
    Abstract: The invention provides a method and system for providing financial details from a mobile device of a user for use in a transaction. The method is performed on a mobile device of the user and includes the steps of generating, on a token generating component, a session-specific token by applying an algorithm requiring a dynamic key; providing financial details for use in a transaction; incorporating the session-specific token and the financial details into a modified form the financial details; and transferring the modified form of the financial details from the mobile device to initiate the transaction. A corresponding method and system for validating financial details received, at a server of an issuing authority, is also provided.
    Type: Grant
    Filed: April 9, 2019
    Date of Patent: November 16, 2021
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Horatio Nelson Huxham, Alan Joseph O'Regan, Hough Arie Van Wyk, Tara Anne Moss
  • Patent number: 11176556
    Abstract: Embodiments of the invention are directed to systems and methods for utilizing a cache to store historical transaction data. A predictive model may be trained to identify particular identifiers associated with historical data that is likely to be utilized on a particular date and/or within a particular time period. The historical data corresponding to these identifiers may be stored in a cache of the processing computer. Subsequently, an authorization request message may be received that includes an identifier. The processing computer may utilize the identifier to retrieve historical transaction data from the cache. The retrieved data may be utilized to perform any suitable operation. By predicting the data that will be needed to perform these operations, and preemptively store such data in a cache, the latency associated with subsequent processing may be reduced and the performance of the system as a whole improved.
    Type: Grant
    Filed: November 13, 2018
    Date of Patent: November 16, 2021
    Assignee: Visa International Service Association
    Inventors: Hongqin Song, Yu Gu, Dan Wang, Peter Walker
  • Patent number: 11177962
    Abstract: The method comprises a client device receiving a verification request comprising an interaction identifier. The client device can compare samplings of block headers received from two or more full nodes. The client device can then, based on the comparing, verify at least one block header of the samplings of block headers. The client device can determine that a blockchain maintained by at least one of the two or more full nodes is valid in response to verifying the at least one block header of the samplings of block headers.
    Type: Grant
    Filed: November 25, 2019
    Date of Patent: November 16, 2021
    Assignee: Visa International Service Association
    Inventors: Mahdi Zamani, Lucianna Kiffer, Karl Benedikt Bunz
  • Patent number: 11176554
    Abstract: A user initiates a transaction by providing identification data at an access device. Certain elements of a validation identity token, such validation keys, may be distributed among several remote server computers. After the elements are retrieved during the transaction, the validation identity token may be generated using the retrieved elements. The validation identity token may indicate whether the user is authenticated. No single entity can possess all elements utilized to generate the validation identity token, which mitigates risk of the validation identity token being compromised. In some embodiments, the validation identity token may be a chromatic identity token, which may indicate validity by color.
    Type: Grant
    Filed: February 2, 2016
    Date of Patent: November 16, 2021
    Assignee: Visa International Service Association
    Inventor: Duane Cash
  • Patent number: 11170379
    Abstract: Embodiments may enable a user to forward authorize a specific amount to a member of their payment pool by distributing a subtoken generated from a token issued to the user. The member of the payment pool may receive the subtoken through a delivery channel (e.g., by e-mail) and may utilize the subtoken during a purchase by providing a corresponding delivery channel identifier (e.g., e-mail address) as an authentication credential. In some embodiments, the subtoken may be time-sensitive and may be valid during a time period designated by the user.
    Type: Grant
    Filed: February 11, 2016
    Date of Patent: November 9, 2021
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Duane Cash, Kelvan Howard
  • Patent number: 11170365
    Abstract: Embodiments of the invention are directed to systems and methods for securely and efficiently updating account information across resource providers. Embodiments of the invention provide a method for managing account data that is an improvement in both speed and security over prior methods used by account data management systems. According to embodiments of the invention, account data is linked to resource provider specific tokens stored and managed by a digital wallet provider. Resource provider specific tokens may be stored by resource providers to conduct future transactions, also including recurring or automatic transactions. To manage the resource provider specific tokens, a user may simply send requests to the digital wallet provider using a single interface displayed on a user device rather than by logging into accounts for numerous resource providers and continuously entering updated account data.
    Type: Grant
    Filed: October 19, 2016
    Date of Patent: November 9, 2021
    Assignee: Visa International Service Association
    Inventor: Robert Chumbley
  • Patent number: 11170361
    Abstract: The present disclosure is related to a field of payment transactions using a card that discloses a computer-implemented method and a system for restricting a transaction while using a payment card. A card processing server may receive card details, a transaction amount, a flag, and signature data of the payment card from a remote terminal upon initiating a transaction using the payment card. Further, the card processing server validates the payment card based on the card details and the signature data of the payment card and thereafter determines a value associated with the flag upon successful validation. The value associated with the flag indicates one of two conditions, e.g., a true condition and a false condition. Based on the condition indicated by the flag, the card processing server performs one of a first action and a second action related to either processing or declining the transaction.
    Type: Grant
    Filed: January 8, 2020
    Date of Patent: November 9, 2021
    Assignee: Visa International Service Association
    Inventor: Ved Prakash Sajjan K Agarwal
  • Patent number: 11163985
    Abstract: Embodiments of the invention are directed to systems, methods, and devices for testing the security of a facial recognition system (FRS). A target image depicting a target person enrolled in the FRS and a tester image depicting a tester may be obtained. A plurality of transformed images may be generated from an image of the target person or the tester image. A processed tester image (e.g., one that is likely to cause the FRS to misclassify) may be identified using the plurality of transformed images, the tester image, and the target image. Data representing a light pattern can be generated using the processed tester image and the light pattern can be projected onto a second person. Another image may be captured of the second person with the light pattern as projected. This image may be provided to the FRS and a remedial action may be performed based on the corresponding output.
    Type: Grant
    Filed: January 24, 2020
    Date of Patent: November 2, 2021
    Assignee: Visa International Service Association
    Inventors: Luan Nguyen, Sunpreet Singh Arora, Yuhang Wu, Hao Yang
  • Patent number: 11164176
    Abstract: Techniques for enhancing the security of a communication device when conducting a transaction using the communication device may include encrypting account information with a first encryption key to generate a second encryption key, and encrypting key index information using the second key to generate a limited-use key (LUK). The key index information may include a key index having information pertaining to generation of the LUK. The LUK and the key index can be provided to the communication device to facilitate generation of a transaction cryptogram for a transaction conducted using the communication device, and the transaction can be authorized based on the transaction cryptogram generated from the LUK.
    Type: Grant
    Filed: December 19, 2014
    Date of Patent: November 2, 2021
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Hao Ngo, Christian Aabye, John Sheets, Oleg Makhotin
  • Patent number: 11164181
    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: January 12, 2018
    Date of Patent: November 2, 2021
    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: D936738
    Type: Grant
    Filed: January 21, 2020
    Date of Patent: November 23, 2021
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Anshul Agarwal
  • Patent number: D937929
    Type: Grant
    Filed: August 19, 2019
    Date of Patent: December 7, 2021
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Sandeep Doddipalli, Amit Kumar Mishra, Rakesh Ramamurthy, Alkondan Chockalinga Mooppanar