Patents by Inventor Simon Hurry

Simon Hurry 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).

  • Publication number: 20250219833
    Abstract: A method includes transmitting an authorization request message with a credential or a token associated with a first user to an authorizing entity computer, and then receiving, from the authorizing entity computer, an authorization response message; and responsive to receiving the authorization response message. The method also includes transmitting the credential or the token to a vehicle. The first user is able to access the vehicle by presenting a user device that contains the credential or token to the vehicle.
    Type: Application
    Filed: February 9, 2023
    Publication date: July 3, 2025
    Applicant: Visa International Service Association
    Inventors: Simon Hurry, Christian Aabye, Ethan Melnick
  • Patent number: 12316784
    Abstract: An issuing authority (IA) may validate the identity of a user and issue a digital license to the user. IA may generate IA public-private key pair, and provide IA public key to the certification authority (CA). IA may sign the digital license with IA private key, and provision the signed digital license on the user device. IA may request CA to certify the digital license. CA may use IA public key to validate the digital license, and sign IA public key with CA private key, thereby generating a digital certificate associated with the issuing authority that is linked to the digital license. A relying party may use CA public key to validate the digital license. The relying party can retrieve the information from the digital license and trust that the retrieved information is legitimate.
    Type: Grant
    Filed: October 12, 2023
    Date of Patent: May 27, 2025
    Assignee: Visa International Service Association
    Inventors: Andreas Aabye, Christopher McMillan, Adam Clark, Christian Aabye, Simon Hurry
  • Publication number: 20250139610
    Abstract: One or more surface features (e.g., capacitive buttons, fingerprint sensor) may be exposed on a surface of a card (e.g., chi payment card). The card may store multiple applications/accounts of a user. The card receives a selection of one of the accounts by the user placing a finger on or pressing on a surface feature associated with the selected account. The card provides credentials associated with the selected account to a terminal. The multi-application card may disable credentials associated with the remaining accounts thereby appearing as a single-application card to the terminal during a transaction.
    Type: Application
    Filed: September 13, 2022
    Publication date: May 1, 2025
    Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Yuexi Chen, Simon Hurry, Pratap Gautam, Neil Dickson, Philippe Tignol, Jachin Hoban, Andrew Walker, Richard Wagstaff
  • Publication number: 20250013728
    Abstract: Methods and systems for facilitating a transaction are provided. A transaction involving an integrated circuit user device in contact with an access device is processed in less time, such that the user device can be removed at an earlier time. In embodiments, an access device provides an estimated value to a user device such that a cryptogram can be generated without waiting for a final value. Additionally, the access device can store user device data and then complete the transaction with the user device before authorizing the transaction, such that the user device can be removed without waiting for an authorization response.
    Type: Application
    Filed: September 23, 2024
    Publication date: January 9, 2025
    Applicant: VISA INTERATIONAL SERVICE ASSOCIATION
    Inventors: Simon Hurry, Aron Clark, Marc Cleven
  • Patent number: 12135775
    Abstract: Methods and systems for facilitating a transaction are provided. A transaction involving an integrated circuit user device in contact with an access device is processed in less time, such that the user device can be removed at an earlier time. In embodiments, an access device provides an estimated value to a user device such that a cryptogram can be generated without waiting for a final value. Additionally, the access device can store user device data and then complete the transaction with the user device before authorizing the transaction, such that the user device can be removed without waiting for an authorization response.
    Type: Grant
    Filed: July 13, 2022
    Date of Patent: November 5, 2024
    Assignee: Visa International Service Association
    Inventors: Simon Hurry, Aron Clark, Marc Cleven
  • Patent number: 12026712
    Abstract: Systems and methods provide dynamic application selection based on contextual data of a transaction. A portable device may include multiple applications with which a transaction may be processed. These applications may be associated with a variety of priorities. The portable device may provide a list of these applications to an access device from which one application may be selected.
    Type: Grant
    Filed: September 28, 2022
    Date of Patent: July 2, 2024
    Assignee: Visa International Service Association
    Inventors: Yuexi Chen, Simon Hurry
  • Publication number: 20240048395
    Abstract: An issuing authority (IA) may validate the identity of a user and issue a digital license to the user. IA may generate IA public-private key pair, and provide IA public key to the certification authority (CA). IA may sign the digital license with IA private key, and provision the signed digital license on the user device. IA may request CA to certify the digital license. CA may use IA public key to validate the digital license, and sign IA public key with CA private key, thereby generating a digital certificate associated with the issuing authority that is linked to the digital license. A relying party may use CA public key to validate the digital license. The relying party can retrieve the information from the digital license and trust that the retrieved information is legitimate.
    Type: Application
    Filed: October 12, 2023
    Publication date: February 8, 2024
    Applicant: Visa International Service Association
    Inventors: Andreas Aabye, Christopher McMillan, Adam Clark, Christian Aabye, Simon Hurry
  • Publication number: 20240020676
    Abstract: Described herein are a system and techniques for updating balance information for a disbursement module on a portable device using a transaction module on that same portable device. In some embodiments, each of the transaction module and the disbursement module may be associated with a different transaction processing system. A client device may be used to interact with the transaction module of the portable device via a communication element. In some embodiments, the client device may be configured to receive an account identifier from the transaction module, generate and transmit an authorization request message to an authorization entity, and upon receiving authorization from the authorization entity, cause the transaction module on the portable device to update a balance associated with the disbursement module.
    Type: Application
    Filed: July 17, 2023
    Publication date: January 18, 2024
    Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Yuexi Chen, Simon Hurry
  • Patent number: 11870919
    Abstract: An issuing authority (IA) may validate the identity of a user and issue a digital license to the user. IA may generate IA public-private key pair, and provide IA public key to the certification authority (CA). IA may sign the digital license with IA private key, and provision the signed digital license on the user device. IA may request CA to certify the digital license. CA may use IA public key to validate the digital license, and sign IA public key with CA private key, thereby generating a digital certificate associated with the issuing authority that is linked to the digital license. A relying party may use CA public key to validate the digital license. The relying party can retrieve the information from the digital license and trust that the retrieved information is legitimate.
    Type: Grant
    Filed: December 16, 2021
    Date of Patent: January 9, 2024
    Assignee: Visa International Service Association
    Inventors: Andreas Aabye, Christopher McMillan, Adam Clark, Christian Aabye, Simon Hurry
  • Publication number: 20230410108
    Abstract: A smart device is provided between a transaction terminal (e.g. an access device, a point of sale terminal) and a payment card to facilitate a secure transaction. The smart device receives transaction details from the transaction terminal. The transaction terminal suspends the transaction. The smart device is brought in communication with a payment device in control of the user (e.g. the user of the payment device does not hand over the payment device to a merchant, clerk, waitstaff). The smart device receives a cryptogram identifying an account from the payment device and transmits the cryptogram to the transaction terminal. The transaction terminal resumes the transaction, generates a transaction authorization request message including the cryptogram, and transmits the transaction authorization request message to an issuer of the account. The transaction terminal receives an authorization response message from the issuer, and notifies the smart device of the transaction being approved or declined.
    Type: Application
    Filed: September 6, 2023
    Publication date: December 21, 2023
    Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Sivanarayana Gaddam, Hao Yang, Atul Luykx, Andreas Aabye, Simon Hurry, Yuexi Chen
  • Patent number: 11823282
    Abstract: Embodiments of the invention relate to systems and methods for provisioning and using a multi-purpose device. The device contains information regarding a plurality of memberships. The device contains one or more membership certificate chains, comprising multiple certificates, wherein a membership provider certificate is signed by a private key associated with a membership root certificate authority, and wherein a member certificate is signed by a private key associated with the membership provider certificate. The member certificate includes member attributes regarding the user, such as member benefit information. The device also includes a payment certificate chain, comprising multiple certificates, wherein a payment provider certificate is signed by a private key associated with a payment root certificate authority, and wherein a payment certificate is signed by a private key associated with the payment provider certificate.
    Type: Grant
    Filed: May 6, 2022
    Date of Patent: November 21, 2023
    Assignee: Visa International Service Association
    Inventor: Simon Hurry
  • Patent number: 11790361
    Abstract: A smart device is provided between a transaction terminal (e.g. an access device, a point of sale terminal) and a payment card to facilitate a secure transaction. The smart device receives transaction details from the transaction terminal. The transaction terminal suspends the transaction. The smart device is brought in communication with a payment device in control of the user (e.g. the user of the payment device does not hand over the payment device to a merchant, clerk, waitstaff). The smart device receives a cryptogram identifying an account from the payment device and transmits the cryptogram to the transaction terminal. The transaction terminal resumes the transaction, generates a transaction authorization request message including the cryptogram, and transmits the transaction authorization request message to an issuer of the account. The transaction terminal receives an authorization response message from the issuer, and notifies the smart device of the transaction being approved or declined.
    Type: Grant
    Filed: April 5, 2019
    Date of Patent: October 17, 2023
    Assignee: Visa International Service Association
    Inventors: Sivanarayana Gaddam, Hao Yang, Atul Luykx, Andreas Aabye, Simon Hurry, Yuexi Chen
  • Publication number: 20230308295
    Abstract: An issuing authority (IA) may validate the identity of a user and issue a digital license to the user. IA may generate IA public-private key pair, and provide IA public key to the certification authority (CA). IA may sign the digital license with IA private key, and provision the signed digital license on the user device. IA may request CA to certify the digital license. CA may use IA public key to validate the digital license, and sign IA public key with CA private key, thereby generating a digital certificate associated with the issuing authority that is linked to the digital license. A relying party may use CA public key to validate the digital license. The relying party can retrieve the information from the digital license and trust that the retrieved information is legitimate.
    Type: Application
    Filed: December 16, 2021
    Publication date: September 28, 2023
    Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Andreas Aabye, Christopher McMillan, Adam Clark, Christian Aabye, Simon Hurry
  • Patent number: 11748738
    Abstract: Described herein are a system and techniques for updating balance information for a disbursement module on a portable device using a transaction module on that same portable device. In some embodiments, each of the transaction module and the disbursement module may be associated with a different transaction processing system. A client device may be used to interact with the transaction module of the portable device via a communication element. In some embodiments, the client device may be configured to receive an account identifier from the transaction module, generate and transmit an authorization request message to an authorization entity, and upon receiving authorization from the authorization entity, cause the transaction module on the portable device to update a balance associated with the disbursement module.
    Type: Grant
    Filed: April 20, 2018
    Date of Patent: September 5, 2023
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Yuexi Chen, Simon Hurry
  • Publication number: 20230017281
    Abstract: Systems and methods provide dynamic application selection based on contextual data of a transaction. A portable device may include multiple applications with which a transaction may be processed. These applications may be associated with a variety of priorities. The portable device may provide a list of these applications to an access device from which one application may be selected.
    Type: Application
    Filed: September 28, 2022
    Publication date: January 19, 2023
    Applicant: Visa International Service Association
    Inventors: Yuexi Chen, Simon Hurry
  • Patent number: 11488163
    Abstract: Systems and methods are disclosed to provide dynamic application selection based on contextual data of a transaction. A portable device may include multiple applications with which a transaction may be processed. These applications may be associated with a variety of priorities. The portable device may provide a list of these applications to an access device from which one application may be selected.
    Type: Grant
    Filed: July 16, 2020
    Date of Patent: November 1, 2022
    Assignee: Visa International Service Association
    Inventors: Yuexi Chen, Simon Hurry
  • Publication number: 20220342975
    Abstract: Methods and systems for facilitating a transaction are provided. A transaction involving an integrated circuit user device in contact with an access device is processed in less time, such that the user device can be removed at an earlier time. In embodiments, an access device provides an estimated value to a user device such that a cryptogram can be generated without waiting for a final value. Additionally, the access device can store user device data and then complete the transaction with the user device before authorizing the transaction, such that the user device can be removed without waiting for an authorization response.
    Type: Application
    Filed: July 13, 2022
    Publication date: October 27, 2022
    Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Simon Hurry, Aron Clark, Marc Cleven
  • Patent number: 11423134
    Abstract: Methods and systems for facilitating a transaction are provided. A transaction involving an integrated circuit user device in contact with an access device is processed in less time, such that the user device can be removed at an earlier time. In embodiments, an access device provides an estimated value to a user device such that a cryptogram can be generated without waiting for a final value. Additionally, the access device can store user device data and then complete the transaction with the user device before authorizing the transaction, such that the user device can be removed without waiting for an authorization response.
    Type: Grant
    Filed: January 13, 2020
    Date of Patent: August 23, 2022
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Simon Hurry, Aron Clark, Marc Cleven
  • Publication number: 20220261922
    Abstract: Embodiments of the invention relate to systems and methods for provisioning and using a multi-purpose device. The device contains information regarding a plurality of memberships. The device contains one or more membership certificate chains, comprising multiple certificates, wherein a membership provider certificate is signed by a private key associated with a membership root certificate authority, and wherein a member certificate is signed by a private key associated with the membership provider certificate. The member certificate includes member attributes regarding the user, such as member benefit information. The device also includes a payment certificate chain, comprising multiple certificates, wherein a payment provider certificate is signed by a private key associated with a payment root certificate authority, and wherein a payment certificate is signed by a private key associated with the payment provider certificate.
    Type: Application
    Filed: May 6, 2022
    Publication date: August 18, 2022
    Inventor: Simon Hurry
  • Publication number: 20220207530
    Abstract: Systems and methods are disclosed to provide dynamic application selection based on contextual data of a transaction. A portable device may include multiple applications with which a transaction may be processed. These applications may be associated with a variety of priorities. The portable device may provide a list of these applications to an access device from which one application may be selected.
    Type: Application
    Filed: July 16, 2020
    Publication date: June 30, 2022
    Inventors: Yuexi Chen, Simon Hurry