Patents by Inventor Francois Hribovsek
Francois Hribovsek 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).
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Publication number: 20240007471Abstract: Methods and systems for performing on demand access transactions are disclosed. In one example, the method includes receiving, by a directory service computer from an authorizing computer, a file including a primary access identifiers and virtual access identifiers, the virtual access identifiers not being capable of being used at resource providers to conduct transactions. The method also includes receiving a request to provide an access token that is associated with an account, the request comprising information that identifies the account. The method further includes retrieving a virtual access identifier based on the identifying information; and requesting, by the directory service computer to a token service computer, that the access token be provisioned on the user device or an application computer associated with an application on the user device.Type: ApplicationFiled: September 15, 2023Publication date: January 4, 2024Applicant: Visa International Service AssociationInventors: Dong Soon Denis Kang, Francois Hribovsek, Swapnil Vasant Mhasde, Guan Heng Christophe Yeo
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Patent number: 11799862Abstract: Methods and systems for performing on demand access transactions are disclosed. In one example, the method includes receiving, by a directory service computer from an authorizing computer, a file including a primary access identifiers and virtual access identifiers, the virtual access identifiers not being capable of being used at resource providers to conduct transactions. The method also includes receiving a request to provide an access token that is associated with an account, the request comprising information that identifies the account. The method further includes retrieving a virtual access identifier based on the identifying information; and requesting, by the directory service computer to a token service computer, that the access token be provisioned on the user device or an application computer associated with an application on the user device.Type: GrantFiled: March 30, 2022Date of Patent: October 24, 2023Assignee: Visa International Service AssociationInventors: Dong Soon Denis Kang, Francois Hribovsek, Swapnil Vasant Mhasde, Guan Heng Christophe Yeo
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Publication number: 20220224690Abstract: Methods and systems for performing on demand access transactions are disclosed. In one example, the method includes receiving, by a directory service computer from an authorizing computer, a file including a primary access identifiers and virtual access identifiers, the virtual access identifiers not being capable of being used at resource providers to conduct transactions. The method also includes receiving a request to provide an access token that is associated with an account, the request comprising information that identifies the account. The method further includes retrieving a virtual access identifier based on the identifying information; and requesting, by the directory service computer to a token service computer, that the access token be provisioned on the user device or an application computer associated with an application on the user device.Type: ApplicationFiled: March 30, 2022Publication date: July 14, 2022Inventors: Dong Soon Denis Kang, Francois Hribovsek, Swapnil Vasant Mhasde, Guan Heng Christophe Yeo
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Publication number: 20220172216Abstract: Information for a payment account of a user of a transit system may be received. A risk analysis may be performed using the information for the payment account based on one or more parameters to determine a risk score for the user. The risk score for the user may be provided to a transit payment system. Whether the user is a high risk based on the risk score may be determined. If the user is a high risk, payment or payment authorization from the user via the transit payment system may be required before the user exits the transit system.Type: ApplicationFiled: February 15, 2022Publication date: June 2, 2022Inventors: Syam Sasidharan Nair, Francois Hribovsek
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Patent number: 11343238Abstract: Provided is a computer-implemented method for verifying a user identity, including: receiving, from a user device, authentication data for a user, the authentication data including an account identifier corresponding to an account with a first issuer institution; generating, with at least one processor and based at least partially on the authentication data, a passcode; communicating the passcode to the user device or a second device associated with the user; receiving, with at least one processor, a verification request comprising the passcode; and verifying, with at least one processor, an identity of the user based on validating the passcode.Type: GrantFiled: October 9, 2018Date of Patent: May 24, 2022Assignee: Visa International Service AssociationInventors: Abhishek Ravi, Wei Ying Yap, Francois Hribovsek, Kok Seng Chew
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Patent number: 11323443Abstract: Methods and systems for performing on demand access transactions are disclosed. In one example, the method includes receiving, by a directory service computer from an authorizing computer, a file including a primary access identifiers and virtual access identifiers, the virtual access identifiers not being capable of being used at resource providers to conduct transactions. The method also includes receiving a request to provide an access token that is associated with an account, the request comprising information that identifies the account. The method further includes retrieving a virtual access identifier based on the identifying information; and requesting, by the directory service computer to a token service computer, that the access token be provisioned on the user device or an application computer associated with an application on the user device.Type: GrantFiled: November 28, 2017Date of Patent: May 3, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Dong Soon Denis Kang, Francois Hribovsek, Swapnil Vasant Mhasde, Guan Heng Christophe Yeo
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Patent number: 11308498Abstract: Information for a payment account of a user of a transit system may be received. A risk analysis may be performed using the information for the payment account based on one or more parameters to determine a risk score for the user. The risk score for the user may be provided to a transit payment system. Whether the user is a high risk based on the risk score may be determined. If the user is a high risk, payment or payment authorization from the user via the transit payment system may be required before the user exits the transit system.Type: GrantFiled: July 15, 2019Date of Patent: April 19, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Syam Sasidharan Nair, Francois Hribovsek
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Publication number: 20210217081Abstract: A system and method are disclosed. The system and method can receive user data for a plurality of users from a plurality of data sources. The system can generate a plurality of scores for the plurality of users based on the user data. The system can further receive criteria and scoring parameters from a plurality of requesting entities. The system can determine a subset of users with scores that satisfy the criteria and scoring parameters. Further, the system can perform additional processing involving the subset of users.Type: ApplicationFiled: May 29, 2018Publication date: July 15, 2021Inventors: Abhishek Ravi, Francois Hribovsek, Wei Ying Yap
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Publication number: 20210019752Abstract: Information for a payment account of a user of a transit system may be received. A risk analysis may be performed using the information for the payment account based on one or more parameters to determine a risk score for the user. The risk score for the user may be provided to a transit payment system. Whether the user is a high risk based on the risk score may be determined. If the user is a high risk, payment or payment authorization from the user via the transit payment system may be required before the user exits the transit system.Type: ApplicationFiled: July 15, 2019Publication date: January 21, 2021Inventors: Syam Sasidharan Nair, Francois Hribovsek
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Publication number: 20200280557Abstract: Provided is a computer-implemented method for verifying a user identity, including: receiving, from a user device, authentication data for a user, the authentication data including an account identifier corresponding to an account with a first issuer institution; generating, with at least one processor and based at least partially on the authentication data, a passcode; communicating the passcode to the user device or a second device associated with the user; receiving, with at least one processor, a verification request comprising the passcode; and verifying, with at least one processor, an identity of the user based on validating the passcode.Type: ApplicationFiled: October 9, 2018Publication date: September 3, 2020Inventors: Abhishek Ravi, Wei Ying Yap, Francois Hribovsek, Kok Seng Chew
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Publication number: 20200267153Abstract: Methods and systems for performing on demand access transactions are disclosed. In one example, the method includes receiving, by a directory service computer from an authorizing computer, a file including a primary access identifiers and virtual access identifiers, the virtual access identifiers not being capable of being used at resource providers to conduct transactions. The method also includes receiving a request to provide an access token that is associated with an account, the request comprising information that identifies the account. The method further includes retrieving a virtual access identifier based on the identifying information; and requesting, by the directory service computer to a token service computer, that the access token be provisioned on the user device or an application computer associated with an application on the user device.Type: ApplicationFiled: November 28, 2017Publication date: August 20, 2020Inventors: Dong Soon Denis Kang, Francois Hribovsek, Swapnil Vasant Mhasde, Guan Heng Christophe Yeo
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Publication number: 20180316687Abstract: A method is disclosed. The method includes receiving, by a resource provider computer operated by a resource provider, a request from a communication device operated by a user to obtain a restricted access credential to access a resource, and then generating, by the resource provider computer, interaction history data relating to past interactions between the resource provider computer and the communication device. The method also includes transmitting, by the resource provider computer, the interaction history data relating to the past interactions, to an authorizing entity computer, the authorizing entity computer determining a restricted access credential in response to receipt of the interaction history data. The method also includes receiving, by the resource provider computer, the restricted access credential from the authorizing entity computer. The restricted access credential allows a user of the communication device to obtain the resource.Type: ApplicationFiled: April 27, 2017Publication date: November 1, 2018Inventors: Francois Hribovsek, Ardi Octorio, Kok Seng Chew, Abhishek Ravi