Patents by Inventor Kim R. Wagner

Kim R. Wagner 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: 11609978
    Abstract: A biometric verification system is disclosed. The system includes a portable device which stores a biometric reference template and authentication preferences, The portable device can be used with an access device. The access device can prompt the user for a biometric sample, The access device may create a biometric sample template from the biometric sample, and the biometric sample template can be compared to the biometric reference template to determine if a user is authentic.
    Type: Grant
    Filed: December 18, 2020
    Date of Patent: March 21, 2023
    Assignee: Visa International Service Association
    Inventors: Kim R. Wagner, Jing Jin, Marcelo G. de Oliveira, Christian Aabye
  • Patent number: 11593809
    Abstract: Provided is a computer-implemented method for authenticating a customer during payment transactions based on biometric identification parameters of the customer that includes receiving image data associated with an image template for identification of a customer, receiving image data associated with an image of a biometric identification parameter of the customer during a payment transaction between the customer and a merchant, establishing a short-range communication connection with a user device associated with the customer during the payment transaction between the customer and the merchant, authenticating an identity of the customer for the payment transaction via the short-range communication connection, determining an account identifier of an account of the customer based on authenticating the identity of the customer for the payment transaction, and processing the payment transaction using the account identifier of the account of the customer. A system and computer program product are also disclosed.
    Type: Grant
    Filed: December 15, 2021
    Date of Patent: February 28, 2023
    Assignee: Visa International Service Association
    Inventors: Elianna Starr, Dennis Franklin Olson, Amy Dawson, Andres Jimenez, Jiayun He, Amisha Sisodiya, Jorge Andre Torres Perez Palacios, Binoy Parag Parikh, Saloni Vijaykumar Mahajan, Sowmya Vuddaraju, Sneha Sri Tadepalli, Lacey Best-Rowden, Kim R. Wagner, Sunpreet Singh Arora, Sunit Lohtia, John F. Sheets
  • Patent number: 11595373
    Abstract: A method for utilizing a registration authority to facilitate a certificate signing request is disclosed. In at least one embodiment, a registration authority computer may receive a certificate signing request associated with a token requestor. The registration authority may authenticate the identity of the token requestor and forward the certificate signing request to a certificate authority computer. A token requestor ID and a signed certificate may be provided by the certificate authority computer and forwarded to the token requestor. The token requestor ID may be utilized by the token requestor to generate digital signatures for subsequent token-based transactions.
    Type: Grant
    Filed: December 28, 2020
    Date of Patent: February 28, 2023
    Assignee: Visa International Service Association
    Inventors: Simon Law, Kim R. Wagner
  • Publication number: 20230016784
    Abstract: A first biometric sample of a user is received by an access device from a user device. First biometric information is generated in an obscured format, based on the first biometric sample. A plurality of biometric information is received in an obscured format. The plurality of biometric information corresponds to a plurality of users, and was obtained from biometric samples of the plurality of users. The first biometric information in the obscured format is compared to the plurality of biometric information in the obscured format, and a match result is generated based on the comparing. The match result is provided to a server computer. Based on the match result, information indicating that one of the plurality of users that is associated with one of the plurality of biometric information is the user associated with the first biometric information is received.
    Type: Application
    Filed: September 22, 2022
    Publication date: January 19, 2023
    Applicant: Visa International Service Association
    Inventors: Kim R. Wagner, Lacey Best-Rowden, John F. Sheets
  • Publication number: 20220417748
    Abstract: A method by an access device comprising obtaining a first biometric sample of a user; generating a first biometric template or a derivative thereof from the first biometric sample; transmitting the first biometric template or the derivative thereof to a mobile device, wherein the mobile device or the user determines if the access device is an authentic access device; receiving a confirmation of a match between the first biometric template and a second biometric template on the mobile device; and conducting a transaction between the access device and the mobile device, after the mobile device or the user determines that the access device is authentic.
    Type: Application
    Filed: September 1, 2022
    Publication date: December 29, 2022
    Applicant: Visa International Service Association
    Inventors: Kim R. Wagner, John F. Sheets, Mark Nelsen
  • Publication number: 20220360449
    Abstract: The invention is directed to a system that enables an authentication process that involves secure multi-party computation. The authentication process can be performed between a user device operated by a user and an access device. The user device and the access device may conduct the authentication process such that enrollment information and authentication information input by the user is not transmitted between the devices. Instead, the user device may determine and utilize obfuscated values associated with the authentication information. The user device may also determine an obfuscated authentication function that can be utilized to determine an authentication result without revealing enrollment information and authentication information associated with the user. The user can be authenticated based on the authentication result.
    Type: Application
    Filed: July 25, 2022
    Publication date: November 10, 2022
    Applicant: Visa International Service Association
    Inventors: Kim R. Wagner, John F. Sheets
  • Patent number: 11496467
    Abstract: A biometric matching process is disclosed. The biometric matching process may be used to obtain access to a resource managed by an access device using only biometric information. In some embodiments, a biometric template is stored in relation to a user device and/or account information, and is obscured. Upon receiving a request for access to a resource from an access device, the system may identify a number of user devices in proximity to the access device. Biometric templates associated with each of those user devices may be compared to a biometric template received from the access device. Upon identifying a match, the system may provide the access device with account information stored in relation to the matched biometric template. The access device may then complete a transaction using the provided account information and grant access to the requested resource.
    Type: Grant
    Filed: July 30, 2018
    Date of Patent: November 8, 2022
    Assignee: Visa International Service Association
    Inventors: Kim R. Wagner, Lacey Best-Rowden, John F. Sheets
  • Patent number: 11470475
    Abstract: A method by an access device comprising obtaining a first biometric sample of a user; generating a first biometric template or a derivative thereof from the first biometric sample; transmitting the first biometric template or the derivative thereof to a mobile device, wherein the mobile device or the user determines if the access device is an authentic access device; receiving a confirmation of a match between the first biometric template and a second biometric template on the mobile device; and conducting a transaction between the access device and the mobile device, after the mobile device or the user determines that the access device is authentic.
    Type: Grant
    Filed: July 25, 2018
    Date of Patent: October 11, 2022
    Assignee: Visa International Service Association
    Inventors: Kim R. Wagner, John F. Sheets, Mark Nelsen
  • Patent number: 11431504
    Abstract: The invention is directed to a system that enables an authentication process that involves secure multi-party computation. The authentication process can be performed between a user device operated by a user and an access device. The user device and the access device may conduct the authentication process such that enrollment information and authentication information input by the user is not transmitted between the devices. Instead, the user device may determine and utilize obfuscated values associated with the authentication information. The user device may also determine an obfuscated authentication function that can be utilized to determine an authentication result without revealing enrollment information and authentication information associated with the user. The user can be authenticated based on the authentication result.
    Type: Grant
    Filed: March 24, 2017
    Date of Patent: August 30, 2022
    Assignee: Visa International Service Association
    Inventors: Kim R. Wagner, John F. Sheets
  • Publication number: 20220217141
    Abstract: Techniques for intelligently deciding the optimal authenticator(s) from amongst those supported by an electronic device are described. The authentication system according to some embodiments may include a dynamic machine learner that incorporates the attributes of: (i) user behavior attributes (e.g., preferred authenticator); (ii) device attributes (e.g., hardware and software specifications, applications, etc.); and (iii) operating environment attributes (e.g., ambient light, noise, etc.), as well as the interplay between the aforementioned attributes over time to make the decision. In some embodiments, the authentication activities and patterns of other users of similar type (e.g., users exhibiting similar behavior across different operating environments) can also be learned and employed to improve the decision making process over time.
    Type: Application
    Filed: January 28, 2022
    Publication date: July 7, 2022
    Inventors: Sunpreet Singh Arora, Kim R. Wagner, John F. Sheets, Lacey Best-Rowden
  • Patent number: 11368457
    Abstract: Techniques for intelligently deciding the optimal authenticator(s) from amongst those supported by an electronic device are described. The authentication system according to some embodiments may include a dynamic machine learner that incorporates the attributes of: (i) user behavior attributes (e.g., preferred authenticator); (ii) device attributes (e.g., hardware and software specifications, applications, etc.); and (iii) operating environment attributes (e.g., ambient light, noise, etc.), as well as the interplay between the aforementioned attributes over time to make the decision. In some embodiments, the authentication activities and patterns of other users of similar type (e.g., users exhibiting similar behavior across different operating environments) can also be learned and employed to improve the decision making process over time.
    Type: Grant
    Filed: July 30, 2018
    Date of Patent: June 21, 2022
    Assignee: Visa International Service Association
    Inventors: Sunpreet Singh Arora, Kim R. Wagner, John F. Sheets, Lacey Best-Rowden
  • Publication number: 20220191014
    Abstract: Embodiments of the invention involve using biometric templates to wirelessly authenticate individuals. In one embodiment, a mobile device may generate a first biometric template and a first public value from a first biometric sample of a user and generate a first cryptographic key by passing the first biometric template to a fuzzy extractors generate function. An access device may generate a second biometric template from a second biometric sample of the user, generate a second secret cryptographic key by passing the second biometric template and the first public value to the fuzzy extractors reproduce function, encrypt the second biometric template with the second secret cryptographic key, and broadcast the encrypted template to a plurality of nearby mobile devices including the mobile device. If the mobile device is able to decrypt the encrypted template with the first cryptographic key, the access device can associate the user with the mobile device.
    Type: Application
    Filed: March 1, 2022
    Publication date: June 16, 2022
    Inventors: Kim R. Wagner, John F. Sheets, Mark Allen Nelsen
  • Patent number: 11314966
    Abstract: Embodiments of the invention are directed to a system and methods for determining a likelihood that an image that includes a user is a spoof or fake. In some embodiments, focus values are determined for various parts of the image during a focus sweep. The focus values may represent a focus point at which a particular part of the image is sharp. In some embodiments, the focus values may be determined only for the sections of the image that correspond to a face within the image. From the focus values, the system may determine a relative depth of various parts of the image. Using the relative depths, the system may generate a rough depth map for the image. The depth map may be analyzed to determine a likelihood that the image is authentic.
    Type: Grant
    Filed: July 12, 2018
    Date of Patent: April 26, 2022
    Assignee: Visa International Service Association
    Inventors: John F. Sheets, Sunpreet Singh Arora, Lacey Best-Rowden, Kim R. Wagner
  • Patent number: 11303435
    Abstract: Embodiments of the invention involve using biometric templates to wirelessly authenticate individuals. In one embodiment, a mobile device may generate a first biometric template and a first public value from a first biometric sample of a user and generate a first cryptographic key by passing the first biometric template to a fuzzy extractors generate function. An access device may generate a second biometric template from a second biometric sample of the user, generate a second secret cryptographic key by passing the second biometric template and the first public value to the fuzzy extractors reproduce function, encrypt the second biometric template with the second secret cryptographic key, and broadcast the encrypted template to a plurality of nearby mobile devices including the mobile device. If the mobile device is able to decrypt the encrypted template with the first cryptographic key, the access device can associate the user with the mobile device.
    Type: Grant
    Filed: October 26, 2016
    Date of Patent: April 12, 2022
    Assignee: Visa International Service Association
    Inventors: Kim R. Wagner, John F. Sheets, Mark Allen Nelsen
  • Publication number: 20220108323
    Abstract: Provided is a computer-implemented method for authenticating a customer during payment transactions based on biometric identification parameters of the customer that includes receiving image data associated with an image template for identification of a customer, receiving image data associated with an image of a biometric identification parameter of the customer during a payment transaction between the customer and a merchant, establishing a short-range communication connection with a user device associated with the customer during the payment transaction between the customer and the merchant, authenticating an identity of the customer for the payment transaction via the short-range communication connection, determining an account identifier of an account of the customer based on authenticating the identity of the customer for the payment transaction, and processing the payment transaction using the account identifier of the account of the customer. A system and computer program product are also disclosed.
    Type: Application
    Filed: December 15, 2021
    Publication date: April 7, 2022
    Inventors: Elianna Starr, Dennis Franklin Olson, Amy Dawson, Andres Jimenez, Jiayun He, Amisha Sisodiya, Jorge Andre Torres Perez Palacios, Binoy Parag Parikh, Saloni Vijaykumar Mahajan, Sowmya Vuddaraju, Sneha Sri Tadepalli, Lacey Best-Rowden, Kim R. Wagner, Sunpreet Singh Arora, Sunit Lohtia, John F. Sheets
  • Publication number: 20220084014
    Abstract: A system, method, and computer program product is provided for secured, encrypted transaction processing. The method includes receiving a transaction request initiated by a first computing device associated with a first user and/or a second computing device associated with a second user. The transaction request includes a first user token including a first token identifier and a first account balance encrypted with a public key of the first user. The transaction request also includes a transaction value and a second user token including a second token identifier and a second account balance encrypted with a public key of the second user. The method includes generating a new first user token including a new first account balance encrypted with the public key of the first user and a new second user token including a new second account balance encrypted with the public key of the second user.
    Type: Application
    Filed: September 14, 2020
    Publication date: March 17, 2022
    Inventor: Kim R. Wagner
  • Patent number: 11232450
    Abstract: Provided is a computer-implemented method for authenticating a customer during payment transactions based on biometric identification parameters of the customer that includes receiving image data associated with an image template for identification of a customer, receiving image data associated with an image of a biometric identification parameter of the customer during a payment transaction between the customer and a merchant, establishing a short-range communication connection with a user device associated with the customer during the payment transaction between the customer and the merchant, authenticating an identity of the customer for the payment transaction via the short-range communication connection, determining an account identifier of an account of the customer based on authenticating the identity of the customer for the payment transaction, and processing the payment transaction using the account identifier of the account of the customer. A system and computer program product are also disclosed.
    Type: Grant
    Filed: January 11, 2019
    Date of Patent: January 25, 2022
    Assignee: Visa International Service Association
    Inventors: Elianna Starr, Dennis Franklin Olson, Amy Dawson, Andres Jimenez, Jiayun He, Amisha Sisodiya, Jorge Andre Torres Perez Palacios, Binoy Parag Parikh, Saloni Vijaykumar Mahajan, Sowmya Vuddaraju, Sneha Sri Tadepalli, Lacey Best-Rowden, Kim R. Wagner, Sunpreet Singh Arora, Sunit Lohtia, John F. Sheets
  • Publication number: 20210409956
    Abstract: Embodiments of the invention relate to determining a mobile communication device's location, even if the mobile communication device does not have an active data connection. Embodiments of the invention also relate to achieving connectivity between a mobile communication device not having an active data connection and to another mobile communication device, server computer, or third-party computer.
    Type: Application
    Filed: September 10, 2021
    Publication date: December 30, 2021
    Inventor: Kim R. Wagner
  • Publication number: 20210367786
    Abstract: Described herein are a system and techniques for enabling biometric authentication without exposing the authorizing entity to sensitive information. In some embodiments, the system receives a biometric template from a user device which is encrypted using a public key associated with the system. The encrypted biometric template is then provided to a second entity along with a biometric identifier. Upon receiving a request to complete a transaction that includes the biometric identifier and a second biometric template, the second entity may encrypt the second biometric template using the same public key associated with the system and perform a comparison between the two encrypted biometric templates. The resulting match result data file is already encrypted and can be provided to the system to determine an extent to which the two biometric templates match.
    Type: Application
    Filed: July 25, 2018
    Publication date: November 25, 2021
    Inventors: John F. Sheets, Kim R. Wagner, Sunpreet Singh Arora, Lacey Best-Rowden, Chunxi Jiang
  • Patent number: 11146963
    Abstract: Embodiments of the invention relate to determining a mobile communication device's location, even if the mobile communication device does not have an active data connection. Embodiments of the invention also relate to achieving connectivity between a mobile communication device not having an active data connection and to another mobile communication device, server computer, or third-party computer.
    Type: Grant
    Filed: August 15, 2016
    Date of Patent: October 12, 2021
    Assignee: Visa International Service Association
    Inventor: Kim R. Wagner