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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Patent number: 11151533Abstract: 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: March 31, 2016Date of Patent: October 19, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Christopher Jones, Sanjeev Sharma, Christian Flurscheim, Chandra Srivastava, Vishwanath Shastry, Kiushan Pirzadeh, Christian Aabye
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Publication number: 20210295305Abstract: 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 comprising a server computer receiving a payment request including encrypted payment information. The encrypted payment information being generated by a mobile payment application of the mobile device and being encrypted using a third party key. The method further comprises decrypting the encrypted payment information using the third party key, determining a transaction processor public key associated with the payment information, and re-encrypting the payment information using the transaction processor public key. The method further comprises sending a payment response including the re-encrypted payment information to a transaction processor.Type: ApplicationFiled: June 1, 2021Publication date: September 23, 2021Inventors: John Sheets, Kim Wagner, Christian Aabye, Frederick Liu, Igor Karpenko, Glenn Powell, Kiushan Pirzadeh
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Patent number: 11062306Abstract: 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: April 18, 2017Date of Patent: July 13, 2021Assignee: Visa International Service AssociationInventors: Igor Karpenko, Oleg Makhotin, Kiushan Pirzadeh, Glenn Powell, John Sheets, Erick Wong
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Patent number: 11055694Abstract: 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 comprising a server computer receiving a payment request including encrypted payment information. The encrypted payment information being generated by a mobile payment application of the mobile device and being encrypted using a third party key. The method further comprises decrypting the encrypted payment information using the third party key, determining a transaction processor public key associated with the payment information, and re-encrypting the payment information using the transaction processor public key. The method further comprises sending a payment response including the re-encrypted payment information to a transaction processor.Type: GrantFiled: November 27, 2019Date of Patent: July 6, 2021Assignee: Visa International Service AssociationInventors: John Sheets, Kim Wagner, Christian Aabye, Frederick Liu, Igor Karpenko, Glenn Powell, Kiushan Pirzadeh
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Patent number: 11057229Abstract: A system, apparatus, and method for conducting payment transactions using a mobile device. Embodiments of the invention are directed to an architecture or system design for the functional elements residing in a mobile device that may be used to conduct a payment transaction. The inventive architecture may be implemented as a set of functional modules resident in a secure element that is embedded or otherwise incorporated into the mobile device.Type: GrantFiled: September 6, 2019Date of Patent: July 6, 2021Assignee: Visa International Service AssociationInventors: Kiushan Pirzadeh, Marc B. Kekicheff
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Patent number: 11025613Abstract: A method of binding a device to an authority comprising reading pre-determined data corresponding to characteristics of the device. The method includes obtaining a pseudo-random number and combining it with the pre-determined data to generate a base number. The method includes downloading an application that performs a cryptographic function on the base number to generates a secure identifier of the device, and storing the secure identifier in a memory of the device. The method includes providing the secure identifier of the device to the authority to bind the device to the authority.Type: GrantFiled: July 11, 2019Date of Patent: June 1, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Marc Kekicheff, Kiushan Pirzadeh, Yuexi Chen
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Publication number: 20210103915Abstract: 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: October 4, 2019Publication date: April 8, 2021Inventors: Mustafa Top, Kiushan Pirzadeh
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Publication number: 20210072972Abstract: Embodiments of the present invention are directed at methods and systems for providing a partial personalization process that allows for more efficient and effective personalization of a application on a communication device. 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: ApplicationFiled: October 27, 2020Publication date: March 11, 2021Inventors: Christian Aabye, Kiushan Pirzadeh, Glenn Powell, Igor Karpenko
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Publication number: 20210004797Abstract: 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: ApplicationFiled: September 21, 2020Publication date: January 7, 2021Inventors: Oleg Makhotin, Kiushan Pirzadeh
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Patent number: 10853050Abstract: Embodiments of the present invention are directed at methods and systems for providing a partial personalization process that allows for more efficient and effective personalization of a application on a communication device. 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: January 30, 2019Date of Patent: December 1, 2020Assignee: Visa International Service AssociationInventors: Christian Aabye, Kiushan Pirzadeh, Glenn Powell, Igor Karpenko
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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: 10817875Abstract: 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 22, 2014Date of Patent: October 27, 2020Assignee: Visa International Service AssociationInventors: Oleg Makhotin, Kiushan Pirzadeh
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Patent number: 10776101Abstract: Embodiments of the invention relate to a technique for updating a device comprising a first and second applets implementing application code. The technique may include determining that the application code needs to be updated, generating a verification value, and sending the verification value and updated code for a function in the first applet. The updated code for the function can be stored in the second applet instead of the first applet, and the function maps of the applets can be updated to reflect the address of the updated function. The updated code can then be executed using the updated function maps to perform a process.Type: GrantFiled: May 7, 2019Date of Patent: September 15, 2020Assignee: Visa International Service AssociationInventors: Kiushan Pirzadeh, Hendy Wong, Marc Kekicheff, Kuen Summers
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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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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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Patent number: 10613849Abstract: A device updating system may store data from an application to be updated, especially personalization data that is to be persisted beyond the version update. After the data is stored, the application may be deleted and a migration application is installed. The migration application may use a matrix or the like characterizing differences between prior editions of the application and the one being installed. The migration application may determine the previous edition and updates the personalization data according to the matrix. After the data is updated, the migration application may be deleted and the new application installed. The new application may retrieve the updated data and may be ready to operate without concern about what the previous edition may have been. Memory space may be conserved by not requiring the new application to carry the version matrix and all possible changes between the current edition and all possible previous editions.Type: GrantFiled: September 23, 2016Date of Patent: April 7, 2020Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Kiushan Pirzadeh, Philippe Martin, Michael Lindbeck, Yuexi Chen, Marc Kekicheff
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Patent number: 10607212Abstract: 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 comprising a server computer receiving a payment request including encrypted payment information. The encrypted payment information being generated by a mobile payment application of the mobile device and being encrypted using a third party key. The method further comprises decrypting the encrypted payment information using the third party key, determining a transaction processor public key associated with the payment information, and re-encrypting the payment information using the transaction processor public key. The method further comprises sending a payment response including the re-encrypted payment information to a transaction processor.Type: GrantFiled: July 15, 2014Date of Patent: March 31, 2020Assignee: Visa International Services AssociationInventors: John Sheets, Kim Wagner, Christian Aabye, Frederick Liu, Igor Karpenko, Glenn Powell, Kiushan Pirzadeh
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Publication number: 20200097960Abstract: 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: November 12, 2019Publication date: March 26, 2020Inventors: Erick Wong, Kiushan Pirzadeh, Oleg Makhotin, Glenn Powell, Igor Karpenko, John Sheets, Frederick Liu
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Publication number: 20200097948Abstract: 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 comprising a server computer receiving a payment request including encrypted payment information. The encrypted payment information being generated by a mobile payment application of the mobile device and being encrypted using a third party key. The method further comprises decrypting the encrypted payment information using the third party key, determining a transaction processor public key associated with the payment information, and re-encrypting the payment information using the transaction processor public key. The method further comprises sending a payment response including the re-encrypted payment information to a transaction processor.Type: ApplicationFiled: November 27, 2019Publication date: March 26, 2020Inventors: John Sheets, Kim Wagner, Christian Aabye, Frederick Liu, Igor Karpenko, Glenn Powell, Kiushan Pirzadeh
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Publication number: 20200004707Abstract: 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: June 28, 2019Publication date: January 2, 2020Inventor: Kiushan Pirzadeh