Patents Assigned to Visa International Service Association
  • Patent number: 10298552
    Abstract: Methods and apparatuses are presented for securely providing digital streaming data to subscriber devices using encrypted wavelet meshes. A recorded image may be subdivided into three sources of data: light sources, camera angles, and the objects themselves. Each of these sources of data may be considered unique from each other, and the totality of the three sources of data may comprise a complete image. Without one of the sources of data, the image may not be complete. Each of the three sources of data may therefore be characterized as key spaces, wherein encrypting part of or the entirety of even one of these key spaces prevents the complete image from being viewed. Methods and apparatuses are provided for utilizing the concept of encrypting at least a portion of at least one of the three key spaces in order to securely and/or privately transmit image data to subscribers.
    Type: Grant
    Filed: January 4, 2017
    Date of Patent: May 21, 2019
    Assignee: Visa International Service Association
    Inventors: Patrick Faith, Theodore D. Harris, Scott Edington
  • Patent number: 10296904
    Abstract: Embodiments of the present invention are directed to methods, systems, and apparatuses for matching e-commerce and physical point-of-sale transaction data. In one embodiment, a method includes receiving, by a computer, first transaction data comprising a payment token or second transaction data comprising a primary account identifier, wherein the payment token is derived from the primary account identifier, and providing, by the computer, a universal account identifier after receiving the payment token or the account identifier, wherein the universal account identifier is a substitute for the payment token and the primary account identifier.
    Type: Grant
    Filed: November 17, 2016
    Date of Patent: May 21, 2019
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Lance Weber
  • Patent number: 10291610
    Abstract: Techniques described herein include systems and methods for biometric authentication utilizing a dynamically updated biometric template derived from social media content of a user. In some embodiments, a service provider computer receives an authentication request that comprises biometric data provided by the user utilizing a user device. Social media content associated with the user may be received by the service provider computer from a social network service computer. In embodiments, the service provider computer may generate a biometric template for the user based on the received social media content where the biometric template is continually updated based on new social media content shared by the user. The service provider computer may determine a confidence score based on a comparison of the biometric data and the biometric template. The service provider computer may verify the authentication request for the user based at least in part on the confidence score.
    Type: Grant
    Filed: December 15, 2015
    Date of Patent: May 14, 2019
    Assignee: Visa International Service Association
    Inventors: Michael Chang, Luba Goldberg, Neil Mumm, Stephanie Tsimis
  • Patent number: 10290018
    Abstract: In one aspect, a computing apparatus is configured with a configurable, generic, data-driven model, in which properties of social networking sites/applications are stored and used in communicating offer-related messages via social networking sites.
    Type: Grant
    Filed: November 9, 2012
    Date of Patent: May 14, 2019
    Assignee: Visa International Service Association
    Inventors: Joseph Spears, Mark Carlson, Patrick Stan
  • Patent number: 10291710
    Abstract: A system and method configured to establish a communication connection between a vehicle and a remote computing device for data transmission. A beacon device is configured at a location to detect the presence of the vehicle, transmit an identity of the location to the vehicle, and communicate with the vehicle to determine an identity of the vehicle. The vehicle is configured to communicate with mobile devices of occupants of the vehicle. The remote computing device is connected to the beacon device via a data communication network and configured to determine, via the beacon device communicating with the vehicle, identification information of at least one mobile device of at least one occupant of the vehicle, and establish the communication connection between the computing device and the vehicle based at least in part on the identification information and the identity of the vehicle.
    Type: Grant
    Filed: November 1, 2017
    Date of Patent: May 14, 2019
    Assignee: Visa International Service Association
    Inventors: Yaasha Sabbaghian, Jordan Merrick Scheinfield, Cesar M. Otero, Martin Enriquez, Kathryn Michele Brownstone
  • Publication number: 20190141024
    Abstract: Embodiments of the invention are directed assessing reliability between two computing devices. A distributed database may maintain reliability associations between pairs of computing devices. Each reliability association may indicate a particular device has determined (e.g., locally) that another device is reliable. In order to determine an amount of reliability between a first computing device and a second computing device, an ordered combination of the reliability associations may be determined utilizing the distributed database. The ordered combination of reliability associations may identify a reliability path between the first computing device and the second computing device. An amount of reliability may be determined based on the reliability path. An interaction between the devices may be allowed or restricted based at least in part on the amount of reliability between the computing devices.
    Type: Application
    Filed: November 7, 2017
    Publication date: May 9, 2019
    Applicant: Visa International Service Association
    Inventors: Quan Wang, Kelvan Howard, Jerry Wald
  • Patent number: 10282726
    Abstract: A process for combining domain restriction and remote authentication may include receiving a token from a plug-in application to conduct a transaction associated with a user of a communicating device. The process may include sending an authentication request to a remote access control sever to authenticate the user, and receiving, from the remote access control server, an authentication tracking value that the remote access control server used in generation of an authentication cryptogram. The process may also include generating, using the authentication tracking value, a domain restriction cryptogram that is used for domain restriction of the token, and sending, to the plug-in application, the domain restriction cryptogram.
    Type: Grant
    Filed: March 3, 2016
    Date of Patent: May 7, 2019
    Assignee: Visa International Service Association
    Inventors: Christian Aabye, Christopher Jones
  • Patent number: 10282709
    Abstract: Embodiments of the invention are directed to systems and methods for stand-in processing using data driven capabilities. Transaction activity of an issuer may be monitored to detect a major incident and to automatically invoke stand-in processing. By modeling each individual account holder's behavior, improved authorization outcomes may be provided by a payment processing network during stand-in processing.
    Type: Grant
    Filed: April 7, 2014
    Date of Patent: May 7, 2019
    Assignee: Visa International Service Association
    Inventors: Gourab Basu, Steven Cracknell, Michael Mori
  • Patent number: 10282724
    Abstract: In some embodiments, a first server computer may be provided. The first server computer may comprise a processor and a computer readable medium coupled to the processor. The computer readable medium may include code executable by the processor for implementing a method. The method may include the step of electronically receiving an authorization request message that includes a first device verification value from a merchant for a first transaction, where the first device verification value may have been received by the merchant from a mobile device based on an interaction between the mobile device and an access device. In some embodiments, the mobile device may have received the first verification value based on a first request. The method may further include the step of determining by a data processor if the first device verification value corresponds to a stored device verification value.
    Type: Grant
    Filed: March 6, 2012
    Date of Patent: May 7, 2019
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Ayman Hammad
  • Patent number: 10282723
    Abstract: A mobile device having: a position determination device configured to determine a location of the mobile device; a transceiver configured to communicate with a transaction terminal via near field communication; a communication device configured to communicate with at least one server over internet; a memory storing a plurality of data items and a set of instructions of a mobile application; and at least one microprocessor coupled with the memory to execution the instructions of the mobile application. The mobile application is configured to: communicate the location of the mobile device, using the communication device, to the at least one server over internet; determine, via communications with the at least one server based on the location of the mobile device, an order of data items; and communicate, using the transceiver via near field communication, with the transaction terminal in accordance with the order of the data items.
    Type: Grant
    Filed: May 4, 2017
    Date of Patent: May 7, 2019
    Assignee: Visa International Service Association
    Inventor: Kwang Hyun Lim
  • Patent number: 10282710
    Abstract: Embodiments of the invention generally relate to mobile payments. For example, an application running on a phone can verify a passcode of a consumer. An indication of whether the passcode was verified and a time associated with when the passcode was verified is then sent to a mobile gateway. Later, when a user conducts one or more transactions, a payment processing network can use the indication sent to the mobile gateway to determine whether a the one or more transactions were conducted within a time window, which can be used to authorize the one or more transactions.
    Type: Grant
    Filed: June 13, 2012
    Date of Patent: May 7, 2019
    Assignee: Visa International Service Association
    Inventor: Erick Wong
  • Patent number: 10285008
    Abstract: Selection of offers, locations or merchants based on their distances from a portion of a user's route and their affinity for the user is disclosed. A route employed by a user for travelling to a destination is obtained and segmented at identified vertices. Locations that are proximate to the route segments are determined. The proximate locations are further analyzed to obtain their specific distances from a selected portion such as the user's origin or destination or any route segment. Location based services are associated with those proximate locations that are closest to the selected portion on the user's route or those with the better utility.
    Type: Grant
    Filed: June 30, 2017
    Date of Patent: May 7, 2019
    Assignee: Visa International Service Association
    Inventors: Joseph Spears, Mark Carlson, Patrick Stan
  • Patent number: 10275342
    Abstract: Embodiments of the invention are directed to techniques for redirecting data streams from a production environment to validate non-production software code. In some embodiments, a front-end computer executing a first version of software can receive a request message from a requesting computer, generate a request payload using the request message, transmit the request payload to a processor computer, receive a response payload from the processor computer, generate a reply message using the response payload, and provide, to a validation computer that is executing a second version of the software, the request message, the request payload, and the response payload. The validation computer can generate a modified request payload using the request message and a modified reply message using the response payload. To detect potential errors in the second version, the modified request payload is compared with the request payload and the modified reply message is compare with the reply message.
    Type: Grant
    Filed: March 21, 2018
    Date of Patent: April 30, 2019
    Assignee: Visa International Service Association
    Inventors: Surjeet Kumar, Aloysius John, Biju Abraham, Soorej Nair, Priya Nanduri
  • Patent number: 10275582
    Abstract: Systems and methods for controlling access to an online account are described. An access control message including an action to be performed on an online account can be sent from a mobile device to a server. The server may identify the mobile device based on identifying information in the access control message. Upon identifying the mobile device, the server may determine whether the user has authority to initiate the action to be performed on the online account. Upon determining that a user of the mobile device does have authority to initiate the indicated action, the action indicated in the access control message may be taken with respect to the online account.
    Type: Grant
    Filed: March 2, 2016
    Date of Patent: April 30, 2019
    Assignee: Visa International Service Association
    Inventor: Mark Carlson
  • Patent number: 10275769
    Abstract: A method to display an illustration to conduct an expedited electronic transaction is provided. Consumer identification information identifying a consumer is received. The consumer identification information is stored in association with a web browser of a consumer's device. A customized illustration is displayed based on the received consumer identification information on the consumer's device. A request is received for the expedited electronic transaction by swiping the customized illustration across a portion of the display of the consumer's device. Transaction data sufficient to complete the electronic transaction is sent to the merchant based on the swipe of the customized illustration across display of the consumer's device.
    Type: Grant
    Filed: October 23, 2015
    Date of Patent: April 30, 2019
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Chunxi Jiang, Clint Florez, Peng Zhao, Kevin Carvalho, Sang Wook Lee
  • Patent number: 10275770
    Abstract: Systems and methods implementing a communication protocol for the authorization of transfer of resources in a computer system having a plurality of computers, including a centralized router connecting to source account controllers and destination account controllers that are connected to readers. A reader communicates a first authorization request having a source identifier to a portal coupled with a data storage storing data linking the source identifier to a linked identifier. The portal communicates with a respective linked account controller to obtain a response identifying an available resource. Based on the response, the reader generates a further authorization request for a requested resource from a source account identified by the source identifier to a destination account associated with the reader.
    Type: Grant
    Filed: May 22, 2017
    Date of Patent: April 30, 2019
    Assignee: Visa International Service Association
    Inventors: Sayeed Mohammed, Joseph Bjorn Ovick, Diane C. Salmon, Nancy L. Kim
  • Patent number: 10269018
    Abstract: A method for utilizing a non-transactable account identifier with a payment token is disclosed. The non-transactable account identifier can have the same format as a primary account number (PAN) and the payment token, but is not used to conduct a payment transaction.
    Type: Grant
    Filed: August 1, 2018
    Date of Patent: April 23, 2019
    Assignee: Visa International Service Association
    Inventors: Phillip Kumnick, Joseph Bjorn OVick, Chandra Srivastava
  • Patent number: 10269014
    Abstract: A method is disclosed. The method includes receiving transaction data in an authorization request message from an access device, where the transaction data is associated with a merchant and a transaction location. The method also includes analyzing the transaction data to determine if a location database comprises location data corresponding to the merchant associated with the transaction data, and adding the transaction location and information regarding the access device to the location database.
    Type: Grant
    Filed: July 27, 2015
    Date of Patent: April 23, 2019
    Assignee: Visa International Service Association
    Inventors: George Perry, Penny Jurss
  • Patent number: 10269077
    Abstract: A system and method to detect changes in transaction parameters for the identification of a store of the merchant in a payment processing network. The system is configured to monitor input data, such as acquirer's merchant master file (AMMF), transaction records, to detect transaction parameters of a processing entity that partially match with the transaction parameters associated with an external, persistent identifier of the merchant and/or the store of the merchant, determine a change or difference introduced in the detect transaction parameters, and update the set of transaction parameters associated with the persistent identifier of the store of the merchant that can be used to identify the set of transaction parameters of the store in a communication external to the communication system of the payment processing network.
    Type: Grant
    Filed: June 9, 2015
    Date of Patent: April 23, 2019
    Assignee: Visa International Service Association
    Inventors: Ilker Celikyilmaz, Raman Chinnappan, Basudeb Ghosh, Muhammad Bassam Adil Khan, Mahesh Govind Joshi, Shashideep Chanda, Kalpana Jogi
  • Patent number: 10262148
    Abstract: The SECURE DYNAMIC PAGE CONTENT AND LAYOUTS APPARATUSES, METHODS AND SYSTEMS (“DPCL”) transform dynamic layout template requests, device, user, and surroundings security profiles, and layout usage monitor packages using DPCL components into customized secure dynamic layouts. In some implementations, the disclosure provides a processor-implemented method of transforming the content of an electronically generated user facing page for displaying on a user display.
    Type: Grant
    Filed: May 19, 2013
    Date of Patent: April 16, 2019
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Stephen W. Cote