Patents by Inventor Kiushan Pirzadeh
Kiushan Pirzadeh 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: 20240028532Abstract: Enhanced techniques for communicating with an integrated circuit chip card are disclosed. An integrated circuit chip card may include a processor, a memory storing a plurality applications executable by the processor, an input/output (I/O) interface, and a network interface coupled to the (I/O) interface. The network interface may implement a plurality of logical ports, and the network interface can be configurable to select between multiple communication protocols to communicate with an external device in a socket communication mode. The network interface can be configured to establish a plurality of communication channels between the external device the integrated circuit chip card using the plurality of logical ports, and each of the communication channels may support communication with one of the plurality of applications.Type: ApplicationFiled: October 5, 2023Publication date: January 25, 2024Applicant: Visa International Service AssociationInventor: Kiushan Pirzadeh
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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
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Patent number: 11847643Abstract: Embodiments of the present invention are directed to methods, apparatuses, computer readable media and systems for securely processing remote transactions. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a mobile device. The method comprises receiving, by a mobile payment application on a secure memory of the mobile device, transaction data from a transaction processor application on the mobile device. The method further comprises validating that the transaction processor application is authentic and in response to validating the transaction processor application, providing encrypted payment credentials to the transaction processor application. The transaction processor application further initiates a payment transaction with a transaction processor server computer using the encrypted payment credentials.Type: GrantFiled: November 1, 2021Date of Patent: December 19, 2023Assignee: Visa International Service AssociationInventors: Igor Karpenko, Oleg Makhotin, Kiushan Pirzadeh, Glenn Powell, John Sheets, Erick Wong
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Patent number: 11816048Abstract: Enhanced techniques for communicating with an integrated circuit chip card are disclosed. An integrated circuit chip card may include a processor, a memory storing a plurality applications executable by the processor, an input/output (I/O) interface, and a network interface coupled to the (I/O) interface. The network interface may implement a plurality of logical ports, and the network interface can be configurable to select between multiple communication protocols to communicate with an external device in a socket communication mode. The network interface can be configured to establish a plurality of communication channels between the external device the integrated circuit chip card using the plurality of logical ports, and each of the communication channels may support communication with one of the plurality of applications.Type: GrantFiled: September 27, 2022Date of Patent: November 14, 2023Assignee: Visa International Service AssociationInventor: Kiushan Pirzadeh
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Publication number: 20230334133Abstract: A method performed by at least a user device comprising an interaction application and a biometric application is disclosed. The method comprises receiving from an access device, a message comprising interaction details. The user device may perform a biometric verification of the user operating the user device. The method may then include, if the biometric application has a biometric verification result, the interaction application receives the biometric verification result from the biometric application and continues processing the message. Or if the biometric application does not have the biometric verification result, then the interaction application either waits for the biometric verification result from the biometric application or continues processing the message without the biometric verification result.Type: ApplicationFiled: September 29, 2021Publication date: October 19, 2023Applicant: Visa International Service AssociationInventors: Yuexi Chen, Brian Sullivan, Dinah Sloan, Hao Ngo, Kiushan Pirzadeh
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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
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Patent number: 11720337Abstract: Embodiments of the present invention are directed at methods and systems for providing a partial personalization process. For example, personalization profiles associated with multiple versions of the application may be stored at a provisioning system and the provisioning system may determine the appropriate partial provisioning information to update the application for each migration notification. Partial personalization information that is to be updated for the updated version of the application may be generated and installed to enable new functionality and/or update the information contained within an updated application without requiring re-personalization of all personalized information.Type: GrantFiled: October 27, 2020Date of Patent: August 8, 2023Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Christian Aabye, Kiushan Pirzadeh, Glenn Powell, Igor Karpenko
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Patent number: 11710120Abstract: Embodiments of the invention are directed to methods, apparatuses, computer-readable media, and systems for securely processing remote transactions. One embodiment is directed to a method of processing a remote transaction initiated by a communication device. The method comprising a server computer receiving a payment request including encrypted payment information that is encrypted using a first key. The encrypted payment information including security information. The method further comprises decrypting the encrypted payment information using a second key, obtaining an authentication response value for the remote transaction from an authentication computer associated with an issuer, updating the decrypted payment information to include the authentication response value, re-encrypting the decrypted payment information using a third key, and sending a payment response including the re-encrypted payment information to a transaction processor.Type: GrantFiled: September 21, 2020Date of Patent: July 25, 2023Assignee: Visa International Service AssociationInventors: Oleg Makhotin, Kiushan Pirzadeh
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Publication number: 20230025779Abstract: Enhanced techniques for communicating with an integrated circuit chip card are disclosed. An integrated circuit chip card may include a processor, a memory storing a plurality applications executable by the processor, an input/output (I/O) interface, and a network interface coupled to the (I/O) interface. The network interface may implement a plurality of logical ports, and the network interface can be configurable to select between multiple communication protocols to communicate with an external device in a socket communication mode. The network interface can be configured to establish a plurality of communication channels between the external device the integrated circuit chip card using the plurality of logical ports, and each of the communication channels may support communication with one of the plurality of applications.Type: ApplicationFiled: September 27, 2022Publication date: January 26, 2023Applicant: VISA INTERNATIONAL SERVICE ASSOCIATIONInventor: Kiushan Pirzadeh
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Publication number: 20220398565Abstract: NFC terminal devices and corresponding integrated circuit cards (ICCs) use NFC Type 4 tags as a protocol interface for complex or encrypted communication protocols that are not natively supported by the NFC terminal devices. A smartphone acting as an NFC terminal may block applications and/or protocols other than NFC data exchange formatted (NDEF) messages. An ICC applet supporting an advanced function uses designated memory locations for the transfer of commands normally supported at an application level. Both the terminal side and the ICC applet may check the designated memory locations for updated data in the absence of protocol-level message controls.Type: ApplicationFiled: August 23, 2022Publication date: December 15, 2022Inventors: Mustafa Top, Kiushan Pirzadeh
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Patent number: 11501274Abstract: 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: May 3, 2017Date of Patent: November 15, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Christian Aabye, Hao Ngo, David William Wilson, Gustavo Mariath Zeiden, Chris Pitchford, Kiushan Pirzadeh
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Patent number: 11487681Abstract: Enhanced techniques for communicating with an integrated circuit chip card are disclosed. An integrated circuit chip card may include a processor, a memory storing a plurality applications executable by the processor, an input/output (I/O) interface, and a network interface coupled to the (I/O) interface. The network interface may implement a plurality of logical ports, and the network interface can be configurable to select between multiple communication protocols to communicate with an external device in a socket communication mode. The network interface can be configured to establish a plurality of communication channels between the external device the integrated circuit chip card using the plurality of logical ports, and each of the communication channels may support communication with one of the plurality of applications.Type: GrantFiled: June 28, 2019Date of Patent: November 1, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventor: Kiushan Pirzadeh
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Publication number: 20220327527Abstract: Embodiments are described that are directed to optimizing the provisioning of payment account credentials to mobile devices utilizing mobile wallets. In some embodiments, one of multiple provisioning schemes may be selectively chosen for payment account credential provisioning based upon a determined risk involved with a particular provisioning request. A low risk provisioning request leads to an immediate provisioning of a payment credential, whereas a provisioning request of high risk results in the provisioning request being denied. In some embodiments, medium risk provisioning requests will cause an additional user authentication to be performed before the payment account provisioning is finalized. The additional user authentication may occur using a separate communication channel than the channel in which the provisioning request was received.Type: ApplicationFiled: June 16, 2022Publication date: October 13, 2022Inventors: Erick Wong, Kiushan Pirzadeh, Oleg Makhotin, Glenn Powell, Igor Karpenko, John Sheets, Frederick Liu
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Patent number: 11455617Abstract: NFC terminal devices and corresponding integrated circuit cards (ICCs) use NFC Type 4 tags as a protocol interface for complex or encrypted communication protocols that are not natively supported by the NFC terminal devices. A smartphone acting as an NFC terminal may block applications and/or protocols other than NFC data exchange formatted (NDEF) messages. An ICC applet supporting an advanced function uses designated memory locations for the transfer of commands normally supported at an application level. Both the terminal side and the ICC applet may check the designated memory locations for updated data in the absence of protocol-level message controls.Type: GrantFiled: October 4, 2019Date of Patent: September 27, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Mustafa Top, Kiushan Pirzadeh
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Patent number: 11392939Abstract: Embodiments are described that are directed to optimizing the provisioning of payment account credentials to mobile devices utilizing mobile wallets. In some embodiments, one of multiple provisioning schemes may be selectively chosen for payment account credential provisioning based upon a determined risk involved with a particular provisioning request. A low risk provisioning request leads to an immediate provisioning of a payment credential, whereas a provisioning request of high risk results in the provisioning request being denied. In some embodiments, medium risk provisioning requests will cause an additional user authentication to be performed before the payment account provisioning is finalized. The additional user authentication may occur using a separate communication channel than the channel in which the provisioning request was received.Type: GrantFiled: November 12, 2019Date of Patent: July 19, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Erick Wong, Kiushan Pirzadeh, Oleg Makhotin, Glenn Powell, Igor Karpenko, John Sheets, Frederick Liu
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Patent number: 11315099Abstract: 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 24, 2020Date of Patent: April 26, 2022Assignee: Visa International Service AssociationInventors: Christian Aabye, Hao Ngo, David William Wilson, Gustavo Mariath Zeiden, Chris Pitchford, Kiushan Pirzadeh
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Publication number: 20220051237Abstract: Embodiments of the present invention are directed to methods, apparatuses, computer readable media and systems for securely processing remote transactions. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a mobile device. The method comprises receiving, by a mobile payment application on a secure memory of the mobile device, transaction data from a transaction processor application on the mobile device. The method further comprises validating that the transaction processor application is authentic and in response to validating the transaction processor application, providing encrypted payment credentials to the transaction processor application. The transaction processor application further initiates a payment transaction with a transaction processor server computer using the encrypted payment credentials.Type: ApplicationFiled: November 1, 2021Publication date: February 17, 2022Inventors: Igor Karpenko, Oleg Makhotin, Kiushan Pirzadeh, Glenn Powell, John Sheets, Erick Wong
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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
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Patent number: 11205175Abstract: 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: GrantFiled: December 13, 2018Date of Patent: December 21, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Oleg Makhotin, Hao Ngo, Christian Aabye, Kiushan Pirzadeh
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Patent number: 11188901Abstract: Embodiments of the present invention are directed to methods, apparatuses, computer readable media and systems for securely processing remote transactions. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a mobile device. The method comprises receiving, by a mobile payment application on a secure memory of the mobile device, transaction data from a transaction processor application on the mobile device. The method further comprises validating that the transaction processor application is authentic and in response to validating the transaction processor application, providing encrypted payment credentials to the transaction processor application. The transaction processor application further initiates a payment transaction with a transaction processor server computer using the encrypted payment credentials.Type: GrantFiled: March 28, 2017Date of Patent: November 30, 2021Assignee: Visa International Service AssociationInventors: Igor Karpenko, Oleg Makhotin, Kiushan Pirzadeh, Glenn Powell, John Sheets, Erick Wong