Patents by Inventor Christian Flurscheim
Christian Flurscheim has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
-
Patent number: 11936684Abstract: A user device may receive (e.g., when proximate to the first access device), from an intervening device, device identification data for a first access device. A message may be received from a second access device via the intervening device. The message may include a digital signature generated based at least in part on second access device identification data. The user device may validate the message utilizing the digital signature and a public key. If the message is invalid, the user device may discard the message. If the message is valid, (e.g., unaltered), the user device may determine that the user has not confirmed an intent to interact with the second access device and may terminate a[n] further interaction with the second access device accordingly.Type: GrantFiled: March 30, 2023Date of Patent: March 19, 2024Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Brian Sullivan, Quan Wang, Yuexi Chen, Christian Aabye, Christian Flurscheim, Pasan Hapuarachchi
-
Patent number: 11875344Abstract: Techniques for enhancing the security of a communication device when conducting a transaction using the communication device may include using a limited-use key (LUK) to generate a transaction cryptogram, and transmitting a token instead of a real account identifier and the transaction cryptogram to an access device to conduct the transaction. The token and the transaction cryptogram can be transmitted to a magnetic stripe reader by generating an emulated magnetic signal. The LUK may be associated with a set of one or more limited-use thresholds that limits usage of the LUK, and the transaction can be authorized based on at least whether usage of the LUK has exceeded the set of one or more limited-use thresholds.Type: GrantFiled: April 5, 2021Date of Patent: January 16, 2024Assignee: Visa International Service AssociationInventors: Christian Flurscheim, Christian Aabye
-
Patent number: 11861607Abstract: Embodiments of the present invention relate to systems and methods for implementing a mobile tokenization hub with a common tokenization capabilities (CTC) module that may provide tokenization for various entities in various contexts. For example, the CTC module can provide and store tokens for mobile payment transactions, transit transactions, digital wallet applications, merchant point of sale (POS) applications, personalization services, and the like.Type: GrantFiled: May 9, 2022Date of Patent: January 2, 2024Assignee: Visa International Service AssociationInventors: Thanigaivel Ashwin Raj, Christian Flurscheim, Kaushik Subramanian, Bradley Greene, Prasanna L. Narayan
-
Publication number: 20230410075Abstract: A computer-implemented method of communicating with a point of sale terminal. The method includes establishing wireless communication with a point of sale terminal using a first communication channel, and establishing communication with the point of sale terminal using a second communication channel. The method also includes transmitting a first section of communication data via the first communication channel; and transmitting a second section of the communication data using the second communication channel.Type: ApplicationFiled: August 14, 2023Publication date: December 21, 2023Applicant: Visa International Service AssociationInventors: Christopher JONES, Sanjeev SHARMA, Christian FLURSCHEIM, Chandra SRIVASTAVA, Vishwanath SHASTRY, Kiushan PIRZADEH, Christian AABYE
-
Patent number: 11842350Abstract: Techniques for enhancing the security of a communication device when conducting a transaction using the communication device may include using a limited-use key (LUK) to generate a transaction cryptogram, and using a signature key to generate a signature. The transaction can be an offline data authentication transaction, and access can be granted based on authentication of the signature prior to verifying the transaction cryptogram.Type: GrantFiled: October 13, 2020Date of Patent: December 12, 2023Assignee: Visa International Service AssociationInventors: Erick Wong, Christian Aabye, Christian Flurscheim, Christopher Jones
-
Patent number: 11777733Abstract: Techniques are described for managing master keys for token requestors to use in generating cryptograms such as TAVVs. A processor computer generates a first master key for a token requestor, the first master key being generated based on (a) a second master key managed by the processor computer and (b) an identifier of the token requestor. The processor computer transmits, to a token requestor computer corresponding to the token requestor, the first master key. The processor computer receives, from the token requestor computer, a request for a token. Responsive to receiving the request for the token, the processor computer transmits the token to the token requestor computer; and receives, from the token requestor computer, an authorization request message comprising the token and a cryptogram generated by the token requestor computer using the first master key and the token.Type: GrantFiled: August 13, 2019Date of Patent: October 3, 2023Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Jalpesh Chitalia, Eduardo Lopez, Christian Flurscheim, Sayeed Mohammed, Christian Aabye, Christoffel Jacobs, Phillip Lavender
-
Patent number: 11769128Abstract: A computer-implemented method of communicating with a point of sale terminal. The method includes establishing wireless communication with a point of sale terminal using a first communication channel, and establishing communication with the point of sale terminal using a second communication channel. The method also includes transmitting a first section of communication data via the first communication channel; and transmitting a second section of the communication data using the second communication channel.Type: GrantFiled: September 21, 2021Date of Patent: September 26, 2023Assignee: Visa International Service AssociationInventors: Christopher Jones, Sanjeev Sharma, Christian Flurscheim, Chandra Srivastava, Vishwanath Shastry, Kiushan Pirzadeh, Christian Aabye
-
Patent number: 11756026Abstract: Systems and methods for facilitating payment transactions using quick-response (QR) codes are provided. A first machine readable code encoding first data generated by an access device is scanned by a communication device. The communication device generates a cryptogram based on the first data encoded within the first machine readable code. The communication device then obtains financial credentials data from a payment application being executed on the communication device. A second machine readable code encoding second data comprising the financial credentials data and the cryptogram is then generated. The second machine readable code is displayed on a display of the communication device, wherein the second machine readable code is scanned by the access device.Type: GrantFiled: February 4, 2021Date of Patent: September 12, 2023Assignee: Visa International Service AssociationInventors: Christian Flurscheim, Erick Wong, Oleg Makhotin
-
Patent number: 11720893Abstract: Embodiments of the present invention relate to systems and methods that allow users to use their communication devices to perform transactions (e.g., payment transactions, access transactions, etc.). To complete a transaction, a resource provider electronically generates a code representing transaction data and displays it on an access device. The user scans the code with his or her communication device using a camera associated with the communication device, for example. The code is interpreted by an application on the communication device. The user may request and receive a token at the communication device corresponding to sensitive information selected to perform the transaction (e.g., a primary account number). The user may then provide the token and the transaction data via the communication device to a server computer, which may facilitate completion of the transaction between the user and the resource provider using the transaction data and the token.Type: GrantFiled: June 16, 2021Date of Patent: August 8, 2023Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Christian Flurscheim, Glenn Powell, Christian Aabye, Jalpesh Chitalia, Erick Wong
-
Publication number: 20230247047Abstract: Systems, methods, and devices are disclosed for preventing relay attacks. A user device may receive (e.g., when proximate to the first access device), from an intervening device, device identification data for a first access device. A message may be received from a second access device via the intervening device. The message may include a digital signature generated based at least in part on second access device identification data. The user device may validate the message utilizing the digital signature and a public key. If the message is invalid, the user device may discard the message. If the message is valid, (e.g., unaltered), the user device may determine that the user has not confirmed an intent to interact with the second access device and may terminate an further interaction with the second access device accordingly.Type: ApplicationFiled: March 30, 2023Publication date: August 3, 2023Applicant: Visa International Service AssociationInventors: Brian Sullivan, Quan Wang, Yuexi Chen, Christian Aabye, Christian Flurscheim, Pasan Hapuarachchi
-
Patent number: 11647042Abstract: Systems, methods, and devices are disclosed for preventing relay attacks. A user device may receive (e.g., when proximate to the first access device), from an intervening device, device identification data for a first access device. A message may be received from a second access device via the intervening device. The message may include a digital signature generated based at least in part on second access device identification data. The user device may validate the message utilizing the digital signature and a public key. If the message is invalid, the user device may discard the message. If the message is valid, (e.g., unaltered), the user device may determine that the user has not confirmed an intent to interact with the second access device and may terminate an further interaction with the second access device accordingly.Type: GrantFiled: November 28, 2018Date of Patent: May 9, 2023Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Brian Sullivan, Quan Wang, Yuexi Chen, Christian Aabye, Christian Flurscheim, Pasan Hapuarachchi
-
Patent number: 11580508Abstract: A system and method uses one or more repurposed data fields in a payment transaction message to pass the merchant consumable data from a mobile device to the merchant system using an existing channel. The merchant consumable data relate to loyalty or rewards.Type: GrantFiled: January 24, 2020Date of Patent: February 14, 2023Assignee: Visa International Service AssociationInventors: Christian Flurscheim, Erick Wong, Oleg Makhotin
-
Publication number: 20220270086Abstract: Embodiments of the present invention relate to systems and methods for implementing a mobile tokenization hub with a common tokenization capabilities (CTC) module that may provide tokenization for various entities in various contexts. For example, the CTC module can provide and store tokens for mobile payment transactions, transit transactions, digital wallet applications, merchant point of sale (POS) applications, personalization services, and the like.Type: ApplicationFiled: May 9, 2022Publication date: August 25, 2022Inventors: Thanigaivel Ashwin Raj, Christian Flurscheim, Kaushik Subramanian, Bradley Greene, Prasanna L. Narayan
-
Publication number: 20220231851Abstract: Embodiments of the invention are directed to systems and methods for validating transactions using a cryptogram. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a communication device provisioned with a token. The method comprises receiving, by a service provider computer, from an application on the communication device, a request for a token authentication cryptogram, wherein the token authentication cryptogram includes encrypted user exclusive data. The service provider computer may generate the token authentication cryptogram to include the user exclusive data. The service provider computer may send the token authentication cryptogram to the application, where the token authentication cryptogram can be used to validate the transaction, and the user exclusive data is extracted from the token authentication cryptogram during validation.Type: ApplicationFiled: April 6, 2022Publication date: July 21, 2022Inventors: Michael Cassin, Christian Flurscheim, Christopher Jones
-
Patent number: 11341491Abstract: Embodiments of the present invention relate to systems and methods for implementing a mobile tokenization hub with a common tokenization capabilities (CTC) module that may provide tokenization for various entities in various contexts. For example, the CTC module can provide and store tokens for mobile payment transactions, transit transactions, digital wallet applications, merchant point of sale (POS) applications, personalization services, and the like.Type: GrantFiled: April 19, 2018Date of Patent: May 24, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Thanigaivel Ashwin Raj, Christian Flurscheim, Kaushik Subramanian, Bradley Greene, Prasanna L. Narayan
-
Patent number: 11329822Abstract: Embodiments of the invention are directed to systems and methods for validating transactions using a cryptogram. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a communication device provisioned with a token. The method comprises receiving, by a service provider computer, from an application on the communication device, a request for a token authentication cryptogram, wherein the token authentication cryptogram includes encrypted user exclusive data. The service provider computer may generate the token authentication cryptogram to include the user exclusive data. The service provider computer may send the token authentication cryptogram to the application, where the token authentication cryptogram can be used to validate the transaction, and the user exclusive data is extracted from the token authentication cryptogram during validation.Type: GrantFiled: June 4, 2019Date of Patent: May 10, 2022Assignee: Visa International Service AssociationInventors: Michael Cassin, Christian Flurscheim, Christopher Jones
-
Publication number: 20220005013Abstract: A computer-implemented method of communicating with a point of sale terminal. The method includes establishing wireless communication with a point of sale terminal using a first communication channel, and establishing communication with the point of sale terminal using a second communication channel. The method also includes transmitting a first section of communication data via the first communication channel; and transmitting a second section of the communication data using the second communication channel.Type: ApplicationFiled: September 21, 2021Publication date: January 6, 2022Inventors: Christopher Jones, Sanjeev Sharma, Christian Flurscheim, Chandra Srivastava, Vishwanath Shastry, Kiushan Pirzadeh, Christian Aabye
-
Publication number: 20210357925Abstract: Techniques for enhancing the security of a communication device when conducting a transaction using the communication device may include using a limited-use key (LUK) to generate a transaction cryptogram, and transmitting a token instead of a real account identifier and the transaction cryptogram to an access device to conduct the transaction. The token and the transaction cryptogram can be transmitted to a magnetic stripe reader by generating an emulated magnetic signal. The LUK may be associated with a set of one or more limited-use thresholds that limits usage of the LUK, and the transaction can be authorized based on at least whether usage of the LUK has exceeded the set of one or more limited-use thresholds.Type: ApplicationFiled: April 5, 2021Publication date: November 18, 2021Inventors: Christian Flurscheim, Christian Aabye
-
Patent number: 11151533Abstract: A computer-implemented method of communicating with a point of sale terminal. The method includes establishing wireless communication with a point of sale terminal using a first communication channel, and establishing communication with the point of sale terminal using a second communication channel. The method also includes transmitting a first section of communication data via the first communication channel; and transmitting a second section of the communication data using the second communication channel.Type: GrantFiled: March 31, 2016Date of Patent: October 19, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Christopher Jones, Sanjeev Sharma, Christian Flurscheim, Chandra Srivastava, Vishwanath Shastry, Kiushan Pirzadeh, Christian Aabye
-
Publication number: 20210312433Abstract: Embodiments of the present invention relate to systems and methods that allow users to use their communication devices to perform transactions (e.g., payment transactions, access transactions, etc.). To complete a transaction, a resource provider electronically generates a code representing transaction data and displays it on an access device. The user scans the code with his or her communication device using a camera associated with the communication device, for example. The code is interpreted by an application on the communication device. The user may request and receive a token at the communication device corresponding to sensitive information selected to perform the transaction (e.g., a primary account number). The user may then provide the token and the transaction data via the communication device to a server computer, which may facilitate completion of the transaction between the user and the resource provider using the transaction data and the token.Type: ApplicationFiled: June 16, 2021Publication date: October 7, 2021Inventors: Christian Flurscheim, Glenn Powell, Christian Aabye, Jalpesh Chitalia, Erick Wong