Patents by Inventor Hao Ngo
Hao Ngo 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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Patent number: 11062298Abstract: Devices, systems, and methods for controlling a contactless interface on a dual interface portable device are provided. The methods allow for contactless enablement and disablement on both a temporary and semi-permanent basis, dependent on commands sent to the device by an issuer of the portable device. The commands are received through a terminal device and are transferred to the portable device during a contact transaction. Configuration data on the portable device is modified according to the received commands. An application on the portable device controls the transmission of data through the contactless interface dependent on the configuration data.Type: GrantFiled: November 30, 2018Date of Patent: July 13, 2021Assignee: Visa International Service AssociationInventors: David William Wilson, Omar Rifaat, Hao Ngo
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Patent number: 11037128Abstract: Systems, apparatus, and methods for managing an application installed on a mobile device, such as a mobile phone are provided, so as to prevent or limit unauthorized use of the application, for example, when the mobile device is lost, stolen, or otherwise subject to unauthorized use. A request to enable or disable user access to a function of the application can be received by a server computer. A command message responsive to the request can be generated by the server computer, the command message comprising control data for enabling or disabling user access to the function of the application. The generated command message can be transmitted to the mobile device over a wireless network.Type: GrantFiled: September 28, 2018Date of Patent: June 15, 2021Assignee: Visa International Service AssociationInventors: Christian Aabye, Olivier Brand, Michael Lindelsee, Joseph J. Mirizzi, Hao Ngo, Lauren White, David William Wilson
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Patent number: 11030608Abstract: 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. An account holder is enabled to generate transaction related data and append that data to a transaction record or transaction identifier. The appended data and transaction record or identifier may be stored in the mobile payment device and/or provided to an Issuer. If provided to an Issuer, the transaction related data generated by the account holder may be used to supplement an account statement. The additional information generated by the account holder may be used to assist the account holder in determining if a transaction is valid by providing information that helps the account holder to recall the location or other aspect of the transaction.Type: GrantFiled: May 30, 2019Date of Patent: June 8, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Christian Aabye, Hao Ngo, David William Wilson, Guido Mangiagalli
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Patent number: 10909522Abstract: Systems and methods provide for communication of transaction data that is formatted according to a transaction type that is support by an access device. First transaction data may be formatted according to a first type of transaction supported by a first access device and second transaction data may be formatted according to a second type of transaction supported by a second access device. The first transaction data may be transmitted over a first communication link to the first access device and the second transaction data may be transmitted to the second access over a second communication link.Type: GrantFiled: June 11, 2019Date of Patent: February 2, 2021Assignee: Visa International Service AssociationInventors: Erick Wong, Christian Flurscheim, Oleg Makhotin, Eduardo Lopez, Sanjeev Sharma, Christopher Jones, Abhishek Guglani, Jarkko Oskari Sevanto, Bharatkumar Patel, Tai Lung Burnnet Or, Christian Aabye, Hao Ngo, John F. Sheets
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Publication number: 20200382955Abstract: A method is disclosed. The method includes receiving, by a user device from an access device, an available applications request message. The available applications request message includes an access device type identifier. The method also includes determining whether an association exists between the access device type identifier and one or more application identifiers of a plurality of application identifiers stored on the user device. The plurality of application identifiers respectively correspond to different applications on the user device. The method also includes transmitting, by the user device, to the access device, based in part on whether the association exists, an available applications response. The available applications response includes the one or more application identifiers of the plurality of application identifiers associated with the access device type identifier.Type: ApplicationFiled: August 18, 2020Publication date: December 3, 2020Inventors: Gavin Shenker, Brian Sullivan, Christian Aabye, Hao Ngo
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Publication number: 20200356975Abstract: 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: ApplicationFiled: July 24, 2020Publication date: November 12, 2020Inventors: Christian Aabye, Hao Ngo, David William Wilson, Gustavo Mariath Zeiden, Chris Pitchford, Kiushan Pirzadeh
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Patent number: 10791460Abstract: A method is disclosed. The method includes receiving, by a user device from an access device, an available applications request message. The available applications request message includes an access device type identifier. The method also includes determining whether an association exists between the access device type identifier and one or more application identifiers of a plurality of application identifiers stored on the user device. The plurality of application identifiers respectively correspond to different applications on the user device. The method also includes transmitting, by the user device, to the access device, based in part on whether the association exists, an available applications response. The available applications response includes the one or more application identifiers of the plurality of application identifiers associated with the access device type identifier.Type: GrantFiled: January 30, 2019Date of Patent: September 29, 2020Assignee: Visa International Service AssociationInventors: Gavin Shenker, Brian Sullivan, Christian Aabye, Hao Ngo
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Patent number: 10769614Abstract: 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: GrantFiled: July 9, 2018Date of Patent: September 8, 2020Assignee: Visa International Service AssociationInventors: Christian Aabye, Hao Ngo, David William Wilson, Gustavo Mariath Zeiden, Chris Pitchford, Kiushan Pirzadeh
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Publication number: 20200245138Abstract: A method is disclosed. The method includes receiving, by a user device from an access device, an available applications request message. The available applications request message includes an access device type identifier. The method also includes determining whether an association exists between the access device type identifier and one or more application identifiers of a plurality of application identifiers stored on the user device. The plurality of application identifiers respectively correspond to different applications on the user device. The method also includes transmitting, by the user device, to the access device, based in part on whether the association exists, an available applications response. The available applications response includes the one or more application identifiers of the plurality of application identifiers associated with the access device type identifier.Type: ApplicationFiled: January 30, 2019Publication date: July 30, 2020Inventors: Gavin Shenker, Brian Sullivan, Christian Aabye, Hao Ngo
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Patent number: 10706402Abstract: 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: GrantFiled: September 21, 2009Date of Patent: July 7, 2020Assignee: Visa International Service AssociationInventors: Christian Aabye, Hao Ngo, David William Wilson, Gustavo Mariath Zeiden, Chris Pitchford, Kiushan Pirzadeh
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Publication number: 20200204372Abstract: Systems and methods are disclosed for securely communicating sensitive data (e.g., interaction data) during a process for offline authentication. A data packet may be received by an access device from a user device in a one-way communication. The data packet may be converted to obtain interaction data comprising a digital certificate certified by the certificate authority and a digital signature value generated by the user device. A second public key associated with the user device may be obtained utilizing the digital certificate and the first public key associated with the certificate authority. The validity of the interaction data may be determined based at least in part on the digital signature value and the second public key associated with the user device. When the interaction data is determined to be valid, an identifier of the interaction data may be authorized and access may be provided based on this authorization.Type: ApplicationFiled: December 19, 2018Publication date: June 25, 2020Inventors: Hao NGO, Yuexi CHEN, Thomas BELLENGER
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Patent number: 10685343Abstract: An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.Type: GrantFiled: November 13, 2017Date of Patent: June 16, 2020Assignee: Visa International Service AssociationInventors: Oleg Makhotin, Trudy Hill, Erick Wong, Oleg Makarenko, Hao Ngo, Christian Aabye, William Alexander Thaw
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Patent number: 10664824Abstract: Techniques for enhancing the security of a communication device when conducting a transaction using the communication device may include receiving a cryptogram generation key replenishment request that includes transaction log information derived from transaction data stored in a transaction log on a communication device, verifying that the transaction log information in the replenishment request is consistent with the previously received transaction information, and providing a new cryptogram generation key to the communication device in response to verifying the transaction log information in the replenishment request.Type: GrantFiled: April 10, 2018Date of Patent: May 26, 2020Assignee: Visa International Service AssociationInventors: Erick Wong, Christian Flurscheim, Oleg Makhotin, Eduardo Lopez, Sanjeev Sharma, Christopher Jones, Abhishek Guglani, Jarkko Oskari Sevanto, Bharatkumar Patel, Tai Lung Burnnet Or, Christian Aabye, Hao Ngo, John F. Sheets
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Publication number: 20190362341Abstract: A method is disclosed. The method includes generating, by a communication device during an interaction with an access device, a cryptogram using transaction level data and interoperability level data; transmitting the transaction level data and interoperability level data to the access device; and transmitting the cryptogram the access device, wherein the access device or a remote server computer in communication with the access device validates the received cryptogram before allowing the transaction to proceed.Type: ApplicationFiled: January 17, 2018Publication date: November 28, 2019Inventors: Yuexi Chen, Marc Kekicheff, Mustafa Top, Hao Ngo
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Publication number: 20190295063Abstract: Systems and methods provide for communication of transaction data that is formatted according to a transaction type that is support by an access device. First transaction data may be formatted according to a first type of transaction supported by a first access device and second transaction data may be formatted according to a second type of transaction supported by a second access device. The first transaction data may be transmitted over a first communication link to the first access device and the second transaction data may be transmitted to the second access over a second communication link.Type: ApplicationFiled: June 11, 2019Publication date: September 26, 2019Inventors: Erick Wong, Christian Flurscheim, Oleg Makhotin, Eduardo Lopez, Sanjeev Sharma, Christopher Jones, Abhishek Guglani, Jarkko Oskari Sevanto, Bharatkumar Patel, Tai Lung Burnnet Or, Christian Aabye, Hao Ngo, John F. Sheets
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Publication number: 20190279188Abstract: 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. An account holder is enabled to generate transaction related data and append that data to a transaction record or transaction identifier. The appended data and transaction record or identifier may be stored in the mobile payment device and/or provided to an Issuer. If provided to an Issuer, the transaction related data generated by the account holder may be used to supplement an account statement. The additional information generated by the account holder may be used to assist the account holder in determining if a transaction is valid by providing information that helps the account holder to recall the location or other aspect of the transaction.Type: ApplicationFiled: May 30, 2019Publication date: September 12, 2019Inventors: Christian Aabye, Hao Ngo, David William Wilson, Guido Mangiagalli
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Patent number: 10402814Abstract: Systems and methods provide for communication of transaction data that is formatted according to a transaction type that is support by an access device. First transaction data may be formatted according to a first type of transaction supported by a first access device and second transaction data may be formatted according to a second type of transaction supported by a second access device. The first transaction data may be transmitted over a first wireless communication link to the first access device and the second transaction data may be transmitted to the second access over a second wireless communication link.Type: GrantFiled: April 5, 2016Date of Patent: September 3, 2019Assignee: Visa International Service AssociationInventors: Erick Wong, Christian Flurscheim, Oleg Makhotin, Eduardo Lopez, Sanjeev Sharma, Christopher Jones, Abhishek Guglani, Jarkko Oskari Sevanto, Bharatkumar Patel, Tai Lung Burnnet Or, Christian Aabye, Hao Ngo, John F. Sheets
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Patent number: 10332094Abstract: 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. An account holder is enabled to generate transaction related data and append that data to a transaction record or transaction identifier. The appended data and transaction record or identifier may be stored in the mobile payment device and/or provided to an Issuer. If provided to an Issuer, the transaction related data generated by the account holder may be used to supplement an account statement. The additional information generated by the account holder may be used to assist the account holder in determining if a transaction is valid by providing information that helps the account holder to recall the location or other aspect of the transaction.Type: GrantFiled: January 29, 2015Date of Patent: June 25, 2019Assignee: Visa International Service AssociationInventors: Christian Aabye, Hao Ngo, David William Wilson, Guido Mangiagalli
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Publication number: 20190122210Abstract: Embodiments of the present invention are directed to systems and methods for providing a central entity that can provision mobile payment applications on mobile communication devices and personalize the mobile payment applications with consumer and account information. The personalization of the mobile payment application on the mobile communication device may include provisioning a payment account on the mobile payment application. The central entity may provision the account on the mobile payment application without interacting with the issuer during the provisioning of the account. The central entity may provision the account on the mobile communication device by decrypting, using a secure element key, encrypted payment account information received from the mobile communication device. The payment account information may be encrypted by a secure element of the mobile communication device using the same secure element key.Type: ApplicationFiled: December 13, 2018Publication date: April 25, 2019Inventors: Oleg Makhotin, Hao Ngo, Christian Aabye, Kiushan Pirzadeh
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Publication number: 20190095904Abstract: Devices, systems, and methods for controlling a contactless interface on a dual interface portable device are provided. The methods allow for contactless enablement and disablement on both a temporary and semi-permanent basis, dependent on commands sent to the device by an issuer of the portable device. The commands are received through a terminal device and are transferred to the portable device during a contact transaction. Configuration data on the portable device is modified according to the received commands. An application on the portable device controls the transmission of data through the contactless interface dependent on the configuration data.Type: ApplicationFiled: November 30, 2018Publication date: March 28, 2019Inventors: David William Wilson, Omar Rifaat, Hao Ngo