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11. 发明授权

US11144902B2 Dynamic account selection 有权
公开(公告)号：US11144902B2
公开(公告)日：2021-10-12
申请号：US16421182
申请日：2019-05-23
申请人： Visa International Service Association
发明人： Ajit Gaddam , Gyan Prakash , Selim Aissi
IPC分类号： G06Q20/22 , G06Q20/34 , G06Q20/36 , G06Q20/32
摘要： Embodiments automatically select one of the multiple pre-generated payment cards provisioned on a mobile device. The multiple pre-generated payment cards (real or virtual) may each have a different credit limit. The mobile device may automatically select one of the multiple payment cards based on a transaction value of a transaction that is being conducted. An available credit limit of the selected payment card may be equal to or slightly greater than the transaction value. In some embodiments, the available credit limit of the selected payment card may be closer to the transaction value than the available credit limits of the remaining payment cards. In some embodiments, the different payment cards may be provisioned in a chip-and-pin based smart credit card or mobile wallet.

12. 发明授权

US10861019B2 Location verification during dynamic data transactions 有权
公开(公告)号：US10861019B2
公开(公告)日：2020-12-08
申请号：US15074941
申请日：2016-03-18
申请人： Visa International Service Association
发明人： Gyan Prakash , Ajit Gaddam , Glenn Powell , Taeho Kgil , Christian Aabye
IPC分类号： G06Q20/40 , G06Q20/32
摘要： Described herein is a platform and method for determining a confidence level associated with a transaction that utilizes dynamic data. In some embodiments, the confidence level is determined based on location data received in relation to the transaction. For example, some embodiments are directed to storing first location information collected from a mobile device provided in a request for the dynamic data, receiving second location information related to a transaction conducted using the dynamic data, and comparing the two with respect to the amount of time that has elapsed between collection of each to determine a confidence level associated with a likelihood that the transaction is authentic.

13. 发明授权

US10515358B2 Contextual transaction token methods and systems 有权
公开(公告)号：US10515358B2
公开(公告)日：2019-12-24
申请号：US14518983
申请日：2014-10-20
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： Sekhar Nagasundaram , Ajit Gaddam , Selim Aissi
IPC分类号： G06Q20/38 , G06Q20/40
摘要： Embodiments of the present invention are directed to methods, systems, apparatuses, and computer-readable mediums for generating and providing a transaction token that may provide contextual information associated with the token. Accordingly, the transaction token may provide any entities within a transaction processing system immediate information about the context in which the token was generated, how the token may be used, and any other information that may be pertinent to processing the token.

14. 发明授权

US10417542B2 Mobile device with scannable image including dynamic data 有权
公开(公告)号：US10417542B2
公开(公告)日：2019-09-17
申请号：US15687846
申请日：2017-08-28
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： Ajit Gaddam , Gyan Prakash , Selim Aissi
IPC分类号： G06K19/06 , H04N1/32
摘要： A mobile phone is disclosed. The mobile phone may receive a first request to generate an initial scannable image, and a second request to generate modified scannable image. The modified scannable image can include a static portion that corresponds to a static portion of the initial scannable image. The modified scannable image may also include another portion that has a different appearance than a corresponding portion of the initial scannable image.

15. 发明授权

US10250593B2 Image based key deprivation function 有权
公开(公告)号：US10250593B2
公开(公告)日：2019-04-02
申请号：US15677377
申请日：2017-08-15
申请人： Visa International Service Association
发明人： Selim Aissi , Taeho Kgil , Ajit Gaddam
IPC分类号： H04L9/00 , H04L29/06 , G06F21/36 , G09C5/00 , H04L9/08
摘要： Embodiments of the invention relate to methods of generating and using an image-based derived key. In various embodiments, the image-based derived key may be used to facilitate user authentication and data encryption. For some embodiments, a method is disclosed comprising determining an image-based derived key, wherein the image-based derived key is generated from a selection of authentication images chosen by a user, encrypting data using the image-based derived key, and transmitting the encrypted data.

16. 发明申请

US20190089774A1 SECURE BINDING OF SOFTWARE APPLICATION TO A COMMUNICATION DEVICE 审中-公开
公开(公告)号：US20190089774A1
公开(公告)日：2019-03-21
申请号：US16192694
申请日：2018-11-15
申请人： Visa International Service Association
发明人： Gyan Prakash , Selim Aissi , Rasta Mansour , Ajit Gaddam
IPC分类号： H04L29/08 , H04L29/06 , G06F21/73 , G06F21/62 , G06F21/44
摘要： Techniques for securely binding a software application to a communication device may include sending a set of device identifiers associated with the computing device to a server, receiving a server-generated dynamic device identifier that is generated based on the set of device identifiers; and storing the server-generated dynamic device identifier during initialization of the application. During runtime execution of the application, the application may receive a request to execute an application specific task. In response to receiving the request, the application may generate a runtime dynamic device identifier, determine whether the runtime dynamic device identifier matches the server-generated dynamic device identifier, execute the application specific task when the runtime dynamic device identifier matches the server-generated dynamic device identifier; and prevent the application specific task from being executed when the runtime dynamic device identifier does not match the server-generated dynamic device identifier.

17. 发明授权

US10164996B2 Methods and systems for providing a low value token buffer 有权
公开(公告)号：US10164996B2
公开(公告)日：2018-12-25
申请号：US15066359
申请日：2016-03-10
申请人： Visa International Service Association
发明人： Ajit Gaddam , Selim Aissi
IPC分类号： H04L29/00 , H04L29/06
摘要： Embodiments of the present invention are directed at methods and systems for providing a low value token buffer using only low value tokens (i.e., tokens that cannot be used to conduct transactions) within an organization to reduce access to high value tokens (i.e., tokens that are directly tied to real credentials and can be used to conduct transactions) within the organization. Accordingly, whenever a high value token is received by the organization, the high value token is changed to a low value token while being used within the organization. The low value token may be transformed to high value token upon (or before) delivery outside the organization.

18. 发明授权

US09978094B2 Tokenization revocation list 有权
公开(公告)号：US09978094B2
公开(公告)日：2018-05-22
申请号：US14512231
申请日：2014-10-10
申请人： Visa International Service Association
发明人： Ajit Gaddam , Selim Aissi , Sekhar Nagasundaram
IPC分类号： G06Q30/00 , G06F17/00 , G06Q30/06 , G06F17/30 , G06Q20/08 , G06Q20/40
CPC分类号： G06Q30/0637 , G06F17/30864 , G06Q20/08 , G06Q20/40
摘要： A method for providing a token revocation list is disclosed. The method includes maintaining a status for each of a plurality of tokens in a token revocation database. Token validation requests are received, and the statuses of payment tokens can be determined. Response messages with the statuses of the payment tokens are then sent to token status requesters so that they may make decisions on whether or not to use them to process transactions.

19. 发明授权

US09537847B2 Image based key derivation function 有权
标题翻译：基于图像的键推导函数
公开(公告)号：US09537847B2
公开(公告)日：2017-01-03
申请号：US14304488
申请日：2014-06-13
申请人： Visa International Service Association
发明人： Selim Aissi , Taeho Kgil , Ajit Gaddam
IPC分类号： G06F7/04 , H04L29/06 , G06F21/36 , G09C5/00 , H04L9/08
CPC分类号： H04L63/083 , G06F21/36 , G06F2221/2107 , G09C5/00 , H04L9/0861 , H04L63/0428 , H04L63/06 , H04L63/08 , H04L2463/061 , H04L2463/062
摘要： Embodiments of the invention relate to methods of generating and using an image-based derived key. In various embodiments, the image-based derived key may be used to facilitate user authentication and data encryption. For some embodiments, a method is disclosed comprising determining an image-based derived key, wherein the image-based derived key is generated from a selection of authentication images chosen by a user, encrypting data using the image-based derived key, and transmitting the encrypted data.
摘要翻译：本发明的实施例涉及生成和使用基于图像的导出密钥的方法。在各种实施例中，基于图像的导出密钥可以用于促进用户认证和数据加密。对于一些实施例，公开了一种方法，其包括确定基于图像的派生密钥，其中基于图像的导出密钥是从用户选择的认证图像的选择生成的，使用基于图像的派生密钥对数据进行加密，以及发送加密数据。

20. 发明申请

US20150006390A1 USING STEGANOGRAPHY TO PERFORM PAYMENT TRANSACTIONS THROUGH INSECURE CHANNELS 审中-公开
标题翻译：使用STEGANOGRAPHY通过渠道进行付款交易
公开(公告)号：US20150006390A1
公开(公告)日：2015-01-01
申请号：US14312258
申请日：2014-06-23
申请人： Visa International Service Association
发明人： Selim Aissi , Taeho Kgil , Ajit Gaddam , Robert Rutherford
IPC分类号： G06Q20/40 , H04N19/80 , H04N19/46
摘要： Steganographic techniques are used to embed financial information or authentication information within an image, audio, or video file using a quantization table and/or other filter. The file is then transmitted over an insecure network, such as a GSM cell phone network, and a server extracts the information from the image, audio, or video using the same quantization table and/or filter. Multiple sets of information, such as telephone numbers and/or payment account numbers, are extracted from the same image by those entities possessing the appropriate keys. The filters and tables used to embed financial information can be updated periodically or according to events. A video of images, some with embedded information, some with ‘dummy’ data, can be used to hide information over insecure networks for payment transactions.
摘要翻译：隐写技术用于使用量化表和/或其他过滤器将财务信息或认证信息嵌入到图像，音频或视频文件中。该文件然后通过诸如GSM蜂窝电话网络的不安全网络传输，并且服务器使用相同的量化表和/或过滤器从图像，音频或视频中提取信息。通过拥有适当键的实体，从相同的图像中提取多组信息，如电话号码和/或支付帐号。用于嵌入财务信息的过滤器和表可以定期更新或根据事件更新。图像的视频，一些具有嵌入信息，一些具有“虚拟”数据的视频可以用于隐藏不安全网络上的用于支付交易的信息。

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