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).
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Publication number: 20250219833Abstract: 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: ApplicationFiled: February 9, 2023Publication date: July 3, 2025Applicant: Visa International Service AssociationInventors: Simon Hurry, Christian Aabye, Ethan Melnick
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Patent number: 12316784Abstract: 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: GrantFiled: October 12, 2023Date of Patent: May 27, 2025Assignee: Visa International Service AssociationInventors: Andreas Aabye, Christopher McMillan, Adam Clark, Christian Aabye, Simon Hurry
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Publication number: 20250139610Abstract: 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: ApplicationFiled: September 13, 2022Publication date: May 1, 2025Applicant: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Yuexi Chen, Simon Hurry, Pratap Gautam, Neil Dickson, Philippe Tignol, Jachin Hoban, Andrew Walker, Richard Wagstaff
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Publication number: 20250013728Abstract: 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: ApplicationFiled: September 23, 2024Publication date: January 9, 2025Applicant: VISA INTERATIONAL SERVICE ASSOCIATIONInventors: Simon Hurry, Aron Clark, Marc Cleven
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Patent number: 12135775Abstract: 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: GrantFiled: July 13, 2022Date of Patent: November 5, 2024Assignee: Visa International Service AssociationInventors: Simon Hurry, Aron Clark, Marc Cleven
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Patent number: 12026712Abstract: 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: GrantFiled: September 28, 2022Date of Patent: July 2, 2024Assignee: Visa International Service AssociationInventors: Yuexi Chen, Simon Hurry
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Publication number: 20240048395Abstract: 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: ApplicationFiled: October 12, 2023Publication date: February 8, 2024Applicant: Visa International Service AssociationInventors: Andreas Aabye, Christopher McMillan, Adam Clark, Christian Aabye, Simon Hurry
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Publication number: 20240020676Abstract: 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: ApplicationFiled: July 17, 2023Publication date: January 18, 2024Applicant: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Yuexi Chen, Simon Hurry
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Patent number: 11870919Abstract: 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: GrantFiled: December 16, 2021Date of Patent: January 9, 2024Assignee: Visa International Service AssociationInventors: Andreas Aabye, Christopher McMillan, Adam Clark, Christian Aabye, Simon Hurry
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Publication number: 20230410108Abstract: 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: ApplicationFiled: September 6, 2023Publication date: December 21, 2023Applicant: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Sivanarayana Gaddam, Hao Yang, Atul Luykx, Andreas Aabye, Simon Hurry, Yuexi Chen
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Patent number: 11823282Abstract: 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: GrantFiled: May 6, 2022Date of Patent: November 21, 2023Assignee: Visa International Service AssociationInventor: Simon Hurry
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Patent number: 11790361Abstract: 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: GrantFiled: April 5, 2019Date of Patent: October 17, 2023Assignee: Visa International Service AssociationInventors: Sivanarayana Gaddam, Hao Yang, Atul Luykx, Andreas Aabye, Simon Hurry, Yuexi Chen
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Publication number: 20230308295Abstract: 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: ApplicationFiled: December 16, 2021Publication date: September 28, 2023Applicant: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Andreas Aabye, Christopher McMillan, Adam Clark, Christian Aabye, Simon Hurry
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Patent number: 11748738Abstract: 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: GrantFiled: April 20, 2018Date of Patent: September 5, 2023Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Yuexi Chen, Simon Hurry
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Publication number: 20230017281Abstract: 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: ApplicationFiled: September 28, 2022Publication date: January 19, 2023Applicant: Visa International Service AssociationInventors: Yuexi Chen, Simon Hurry
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Patent number: 11488163Abstract: 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: GrantFiled: July 16, 2020Date of Patent: November 1, 2022Assignee: Visa International Service AssociationInventors: Yuexi Chen, Simon Hurry
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Publication number: 20220342975Abstract: 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: ApplicationFiled: July 13, 2022Publication date: October 27, 2022Applicant: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Simon Hurry, Aron Clark, Marc Cleven
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Patent number: 11423134Abstract: 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: GrantFiled: January 13, 2020Date of Patent: August 23, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Simon Hurry, Aron Clark, Marc Cleven
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Publication number: 20220261922Abstract: 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: ApplicationFiled: May 6, 2022Publication date: August 18, 2022Inventor: Simon Hurry
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Publication number: 20220207530Abstract: 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: ApplicationFiled: July 16, 2020Publication date: June 30, 2022Inventors: Yuexi Chen, Simon Hurry