Patents by Inventor Kim Wagner
Kim 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).
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Patent number: 11956359Abstract: A method is disclosed. The method includes receiving, by a processing network computer from a relying party computer associated with a relying party, a request for data associated with a user operating a user device. The processing network computer may retrieve first encrypted data of the user having a user-layer of encryption. The processing computer can then generate a second symmetric key to add a relying party-layer of encryption to the first encrypted data using a stream cipher. The doubly encrypted data may be transmitted to a user device that removes the user-layer of encryption on the first doubly encrypted data, and then adds a second relying party-layer of encryption to form second doubly encrypted data. The second doubly encrypted data may be transmitted to the relying party computer, which can remove both relying party-layers of encryption to gain access to the data associated with the user.Type: GrantFiled: February 10, 2022Date of Patent: April 9, 2024Assignee: Visa International Service AssociationInventors: Sunpreet Singh Arora, Saikrishna Badrinarayanan, Srinivasan Raghuraman, Kim Wagner, Gaven Watson
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Publication number: 20240112628Abstract: An electronic device may include a lenticular display. The lenticular display may have a lenticular lens film formed over an array of pixels. A plurality of lenticular lenses may extend across the length of the display. The lenticular lenses may be configured to enable stereoscopic viewing of the display such that a viewer perceives three-dimensional images. The display may have a number of independently controllable viewing zones. The viewer may be particularly susceptible to artifacts caused by crosstalk at the edge viewing zones within the primary field of view of the display. Certain types of content may also be more vulnerable to crosstalk than other types of content. Therefore, to mitigate crosstalk artifacts, the pixel value for each pixel may be adjusted based on the viewing zone of the respective pixel and content information (such as texture information or brightness information) associated with the respective pixel.Type: ApplicationFiled: December 14, 2023Publication date: April 4, 2024Inventors: Yunhui Hou, Yi-Pai Huang, Fu-Chung Huang, Sheng Zhang, Chaohao Wang, Ping-Yen Chou, Yi Huang, Juan He, Alfred B. Huergo Wagner, Seung Wook Kim
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Publication number: 20240103608Abstract: A computer system, while displaying a first object, detects one or more movements that change a viewing angle of a first viewer relative to content that is displayed. In response to detecting the one or more movements, in accordance with a determination that the change in the viewing angle of the first viewer meets first criteria, the computer system changes a value of at least a first display parameter of the first object other than a viewing perspective of the first object.Type: ApplicationFiled: September 20, 2023Publication date: March 28, 2024Inventors: Alfred B. Huergo Wagner, William A. Sorrentino, III, Sueng Wook Kim
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Publication number: 20240039719Abstract: A method is disclosed. The method includes receiving, by a processing network computer from a relying party computer associated with a relying party, a request for data associated with a user operating a user device. The processing network computer may retrieve first encrypted data of the user having a user-layer of encryption. The processing computer can then generate a second symmetric key to add a relying party-layer of encryption to the first encrypted data using a stream cipher. The doubly encrypted data may be transmitted to a user device that removes the user-layer of encryption on the first doubly encrypted data, and then adds a second relying party-layer of encryption to form second doubly encrypted data. The second doubly encrypted data may be transmitted to the relying party computer, which can remove both relying party-layers of encryption to gain access to the data associated with the user.Type: ApplicationFiled: February 10, 2022Publication date: February 1, 2024Applicant: Visa International Service AssociationInventors: Sunpreet Singh Arora, Saikrishna Badrinarayanan, Srinivasan Raghuraman, Kim Wagner, Gaven Watson
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Publication number: 20240020410Abstract: A method is disclosed. The method comprises receiving, by a digital identity computer, a request for personal data associated with a user. The digital identity computer may retrieve encrypted personal data, wherein the personal data is encrypted with a public key associated with the user. The digital identity computer may encrypt the encrypted personal data with a first public key associated with a relying party or derivative thereof to form subsequently encrypted personal data. The method may then proceed to transmit the subsequently encrypted personal data or derivative thereof to a relying party computer, or a user device. If the user device receives the subsequently encrypted personal data, the user device may thereafter transmit the subsequently encrypted personal data or derivative thereof to the relying party computer. Then, the relying party computer obtains the personal data from the subsequently encrypted personal data or derivative thereof.Type: ApplicationFiled: September 28, 2021Publication date: January 18, 2024Applicant: Visa International Service AssociationInventors: Sunpreet Singh Arora, Saikrishna Badrinarayanan, Srinivasan Raghuraman, Kim Wagner, Gaven James Watson, David Henstock, Jason Lightman
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Publication number: 20230403160Abstract: Embodiments are directed to a method for securely performing biometric authentication online. The method described can be used to securely perform biometric authentication on a mobile device. For protecting the privacy of the user's biometric data, a cryptographic comparison protocol can be used to perform matching of encrypted templates. For example, the cryptographic comparison protocol may involve Fuzzy Extractors (FE), Homomorphic Encryption (HE), and/or Secure Multi-Party Computation (SMPC).Type: ApplicationFiled: August 25, 2023Publication date: December 14, 2023Applicant: Visa International Service AssociationInventors: Jason Blackhurst, Kim Wagner, John F. Sheets, Chunxi Jiang, Sunpreet Singh Arora
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Patent number: 11792012Abstract: A method is disclosed. An authentication node may receive a plurality of encrypted match values, wherein the plurality of encrypted match values were formed by a plurality of worker nodes that compare a plurality of encrypted second biometric template parts derived from a second biometric template to a plurality of encrypted first biometric template parts derived from a first biometric template. The authentication node may decrypt the plurality of encrypted match values resulting in a plurality of decrypted match values. The authentication node may then determine if a first biometric template matches the second biometric template using the plurality of decrypted match values. An enrollment node may be capable of enrolling a biometric template and storing encrypted biometric template parts at worker nodes.Type: GrantFiled: March 1, 2022Date of Patent: October 17, 2023Assignee: Visa International Service AssociationInventors: Sunpreet Singh Arora, Lacey Best-Rowden, Kim Wagner
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Patent number: 11783030Abstract: Described herein are a system and techniques for identifying and preventing certain fraud attacks that may be used to defeat facial recognition systems. In embodiments of the system described herein, biometric data may be segregated into regions, which are then processed separately and in parallel. Likeness scores are determined for each of the separate regions. By tracking individual region likeness scores used in access requests in accordance with embodiments of the disclosure, the system is able to identify potential fraud attacks that cannot be detected using conventional systems.Type: GrantFiled: November 11, 2021Date of Patent: October 10, 2023Assignee: Visa International Service AssociationInventors: Sunpreet Arora, Kim Wagner, Saman Sarraf
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Patent number: 11783336Abstract: A method and system of using a vehicle mounted camera device to authenticate a user during an interaction is disclosed. The method includes receiving interaction data regarding an interaction between a user operating a communication device and an access device, the user being near other candidate users. The method then includes determining one or more match indicators, the match indicators generated by comparing different sample biometric templates of the user with different enrolled biometric templates. At least one of the different biometric sample templates may be an image-based biometric template and at least one may be a voice print biometric template. Then the method includes identifying the user based on at least the match indicator associated with the voice print biometric template. The method then includes, if the match indicators are positive match indicators, initiating a process on behalf of the user.Type: GrantFiled: August 5, 2022Date of Patent: October 10, 2023Assignee: Visa International Service AssociationInventors: Sunpreet Arora, Lacey Best-Rowden, Kim Wagner, Saman Sarraf
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Patent number: 11777736Abstract: Embodiments are directed to a method for securely performing biometric authentication online. The method described can be used to securely perform biometric authentication on a mobile device. For protecting the privacy of the users biometric data, a cryptographic comparison protocol can be used to perform matching of encrypted templates. For example, the cryptographic comparison protocol may involve Fuzzy Extractors (FE), Homomorphic Encryption (HE), and/or Secure Multi-Party Computation (SMPC).Type: GrantFiled: July 26, 2018Date of Patent: October 3, 2023Assignee: Visa International Service AssociationInventors: Jason Blackhurst, Kim Wagner, John F. Sheets, Chunxi Jiang, Sunpreet Singh Arora
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Patent number: 11763311Abstract: When a user enters a resource provider location with a portable communication device, the portable communication device provides an indication to a transaction processing system that the portable communication device is currently at the resource provider location. At a later time when the user conducts a transaction with a portable transaction device, the fact that the user's portable communication device had been detected at the resource provider a short time ago is taken into account as a positive indicator that the transaction is not fraudulent. By verifying that both the portable communication device and the portable transaction device are present at the resource provider, the risk of approving a fraudulent transaction from a stolen portable transaction device can be reduced.Type: GrantFiled: December 22, 2021Date of Patent: September 19, 2023Assignee: Visa International Service AssociationInventors: Kim Wagner, John F. Sheets, Mark Nelsen, Jing Jin
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INTEGRATING IDENTITY TOKENS AND PRIVACY-PRESERVING IDENTITY ATTRIBUTE ATTESTATIONS INTO INTERACTIONS
Publication number: 20230275766Abstract: A method is disclosed. The method comprises receiving, by an identity network computer, a query set including a plurality of test identity attributes. After receiving the query set, the identity network computer may retrieve derivatives of identity attributes associated with a user, and an encrypted trapdoor, then compute an obscured query set using the query set, and optionally the derivatives of identity attributes. The identity network computer may transmit the obscured query set (i) and the encrypted trapdoor to a user device associated with the user, which generates and transmits a first modified trapdoor and the obscured query set to a relying party computer, or (ii) and a second modified trapdoor to the relying party computer. The relying party computer may thereafter use the obscured query set, and the first modified trapdoor or the second modified trapdoor, to determine if the identity attributes is a member of the query set.Type: ApplicationFiled: November 17, 2021Publication date: August 31, 2023Applicant: Visa International Service AssociationInventors: Kim Wagner, Brian Sullivan, Dinah Sloan, Hao Ngo, Gaven James Watson, Sunpreet Singh Arora, Saikrishna Badrinarayanan, Srinivasan Raghuraman -
Publication number: 20230274240Abstract: Embodiments relate to systems, apparatuses, and methods for performing transaction signing utilizing asymmetric cryptography and a private ledger. A transaction data is signed by a user device using a private key, and may be utilized in an authorization request message without including a real credential of the user. A transaction verification and accounting module (TVAM) can verify the signed transaction data and can continue processing the transaction.Type: ApplicationFiled: May 9, 2023Publication date: August 31, 2023Applicant: Visa International Service AssociationInventors: Adam Clark, Kim Wagner
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Patent number: 11716328Abstract: A method is disclosed. The method includes constructing a table by encrypting a plurality of unencrypted match values using a public key to produce a plurality of encrypted match values. Each unencrypted match value being an indication of a degree of match between an input biometric template and an enrollment template. The method includes arranging each row so that each row has a match value and a corresponding encrypted match value. The method also includes storing, in a database, the table comprising the plurality of encrypted match values and the plurality of unencrypted match values. The server computer can be programmed to receive an encrypted biometric template and the table is used to determine a match value using the encrypted biometric template, and the match value is used to determine if a person is enrolling a biometric template associated with the encrypted biometric template more than once.Type: GrantFiled: March 5, 2021Date of Patent: August 1, 2023Assignee: Visa International Service AssociationInventors: Kim Wagner, Sunpreet Singh Arora, Lacey Best-Rowden
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Publication number: 20230208643Abstract: A user device generates an initiate interaction request message comprising a state commitment. The user device provides the initiate interaction request message to a first server computer, which creates a verify state request message comprising an interaction index, an interaction index commitment, and a first commitment signature formed from the state commitment and the interaction index commitment. The user device receives the verify state request message, then generates a modified verify state request message comprising a user device public key, the state commitment, the interaction index commitment, and the first commitment signature. The user device provides the modified verify state request message to a second server computer. The second server computer verifies the state commitment, verifies the first commitment signature, and creates a second commitment signature formed from the state commitment and the interaction index commitment.Type: ApplicationFiled: December 23, 2021Publication date: June 29, 2023Inventors: Gaven James Watson, Kim Wagner, Saikrishna Badrinarayanan, Srinivasan Raghuraman
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Patent number: 11687885Abstract: Embodiments relate to systems, apparatuses, and methods for performing transaction signing utilizing asymmetric cryptography and a private ledger. A transaction data is signed by a user device using a private key, and may be utilized in an authorization request message without including a real credential of the user. A transaction verification and accounting module (TVAM) can verify the signed transaction data and can continue processing the transaction.Type: GrantFiled: February 26, 2016Date of Patent: June 27, 2023Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Adam Clark, Kim Wagner
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Publication number: 20220398596Abstract: A method and system of using a vehicle mounted camera device to authenticate a user during an interaction is disclosed. The method includes receiving interaction data regarding an interaction between a user operating a communication device and an access device, the user being near other candidate users. The method then includes determining one or more match indicators, the match indicators generated by comparing different sample biometric templates of the user with different enrolled biometric templates. At least one of the different biometric sample templates may be an image-based biometric template and at least one may be a voice print biometric template. Then the method includes identifying the user based on at least the match indicator associated with the voice print biometric template. The method then includes, if the match indicators are positive match indicators, initiating a process on behalf of the user.Type: ApplicationFiled: August 5, 2022Publication date: December 15, 2022Applicant: Visa International Service AssociationInventors: Sunpreet Arora, Lacey Best-Rowden, Kim Wagner, Saman Sarraf
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Patent number: 11451394Abstract: Methods and systems for performing demographics filtering based on biometric information are disclosed. An access terminal can capture a biometric instance corresponding to a user, such as a fingerprint scan, iris scan, etc. The access terminal can determine demographics information from the biometric instance, such as the age, biological sex, or ethnicity of the user. The access terminal can compare the demographics information to demographics information stored on a group of mobile devices corresponding to a group of users, in order to identify candidate user mobile devices. Once candidate user mobile devices are identified, the access terminal can perform a biometric match between the biometric instance corresponding to the user and biometric instances stored on the candidate user mobile devices. Once a biometric match and the corresponding mobile device are determined, the access terminal can conduct a further interaction with the mobile device.Type: GrantFiled: July 27, 2018Date of Patent: September 20, 2022Assignee: Visa International Service AssociationInventors: Sunpreet Singh Arora, Kim Wagner, John F. Sheets
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Patent number: 11443315Abstract: A method and system of using a vehicle mounted camera device to authenticate a user during an interaction is disclosed. The method includes receiving interaction data regarding an interaction between a user operating a communication device and an access device, the user being near other candidate users. The method then includes determining one or more match indicators, the match indicators generated by comparing different sample biometric templates of the user with different enrolled biometric templates. At least one of the different biometric sample templates may be an image-based biometric template and at least one may be a voice print biometric template. Then the method includes identifying the user based on at least the match indicator associated with the voice print biometric template. The method then includes, if the match indicators are positive match indicators, initiating a process on behalf of the user.Type: GrantFiled: April 8, 2021Date of Patent: September 13, 2022Assignee: Visa International Service AssociationInventors: Sunpreet Arora, Lacey Best-Rowden, Kim Wagner, Saman Sarraf
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Publication number: 20220191032Abstract: A method is disclosed. An authentication node may receive a plurality of encrypted match values, wherein the plurality of encrypted match values were formed by a plurality of worker nodes that compare a plurality of encrypted second biometric template parts derived from a second biometric template to a plurality of encrypted first biometric template parts derived from a first biometric template. The authentication node may decrypt the plurality of encrypted match values resulting in a plurality of decrypted match values. The authentication node may then determine if a first biometric template matches the second biometric template using the plurality of decrypted match values. An enrollment node may be capable of enrolling a biometric template and storing encrypted biometric template parts at worker nodes.Type: ApplicationFiled: March 1, 2022Publication date: June 16, 2022Inventors: Sunpreet Singh Arora, Lacey Best-Rowden, Kim Wagner