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1. 发明申请

US20230097712A1 SECURE ON-DEMAND ULTRA-WIDEBAND COMMUNICATION CHANNELS SYSTEMS AND METHODS 有权
公开(公告)号：US20230097712A1
公开(公告)日：2023-03-30
申请号：US17491402
申请日：2021-09-30
申请人： Visa International Service Association
发明人： Brian Sullivan , Aparna Girish , Mark Rigby , Christian Aabye , Mustafa Top , Yuexi Chen , Dinah Sloan , Hao Ngo
IPC分类号： H04W12/03 , H04B1/7163 , H04W76/10 , H04W12/041 , H04L9/30 , H04W12/122 , H04W12/08 , H04L9/08 , H04L9/32 , H04W12/106
摘要： A method includes forming a communication channel between a user device and an access device. The communication channel is then secured using a user device key pair in the user device and an access device ephemeral key pair in the access device. The access device then generates a session key using at least a private cryptographic key in the access device ephemeral key pair, and a public key in the user device key pair. The access device then uses the session key to secure an ultra-wideband communication channel between the user device and the access device.

2. 发明申请

US20200065810A1 GUEST CHECKOUT DECISION ENGINE AND FLOWS 审中-公开
公开(公告)号：US20200065810A1
公开(公告)日：2020-02-27
申请号：US16669118
申请日：2019-10-30
申请人： Visa International Service Association
发明人： Thomas Purves , Aparna Girish
IPC分类号： G06Q20/40 , G06Q20/38 , G06Q30/06
摘要： A computer implemented method including receiving guest data corresponding to a transaction. The method determining a guest transaction total based on the number of prior transactions associated with the guest identifying information. The method includes determining that the guest transaction total is greater than the predetermined threshold number of transactions and responding accordingly.

3. 发明申请

US20190340679A1 BROWSER EXTENSION FOR CLIENT-SIDE TOKENIZED AUTHENTICATION 审中-公开
公开(公告)号：US20190340679A1
公开(公告)日：2019-11-07
申请号：US16481106
申请日：2018-01-26
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： Aparna Girish , Parveen Bansal
IPC分类号： G06Q30/06 , G06Q20/36 , G06Q20/12 , G06F3/16
摘要： A direct payment token generation method provides executable codes to a client device. The executable codes invokes functionalities in a browser application. The set of executable codes further provides login prompts to the user for logging to a virtual wallet account. The method provides a list of products for purchase from merchants in response to a successful login to the virtual wallet account. A graphical element is provided for purchasing one provided product from one of the merchants. In response to receiving a selection of the provided graphical element confirming the purchase, a payment token is generated for the virtual wallet account. The received selection includes confirming detailed information of the purchase. The payment token is transmitted to the client device and is embedded in a payment payload with the detailed information of the purchase. The payment load is transmitted to the one of the merchants to complete the purchase.

4. 发明申请

US20160292682A1 GUEST CHECKOUT DECISION ENGINE AND FLOWS 审中-公开
标题翻译：客户检查决定引擎和流程
公开(公告)号：US20160292682A1
公开(公告)日：2016-10-06
申请号：US15085740
申请日：2016-03-30
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： Thomas Purves , Aparna Girish
IPC分类号： G06Q20/40 , G06Q30/06 , G06Q20/38
CPC分类号： G06Q20/405 , G06Q20/389 , G06Q30/0609
摘要： A computer implemented method of payment. The method includes receiving, via a digital communication network, guest data corresponding to a transaction. The method also includes securely storing guest identifying information in a guest database and determining, via one or more processors, a guest transaction total based on the number of prior transactions associated with the guest identifying information. The method also includes comparing, via the one or more processors, the guest transaction total to a predetermined threshold number of transactions and determining, via the one or more processors, that the guest transaction total is greater than the predetermined threshold number of transactions. Finally, the method includes, in response to the determination that the guest transaction total is greater than the predetermined number threshold number of transactions, removing a guest transaction option.
摘要翻译：计算机实现的付款方式。该方法包括经由数字通信网络接收对应于交易的访客数据。该方法还包括将访客识别信息安全地存储在访客数据库中，并且基于与客人识别信息相关联的先前交易的数量，经由一个或多个处理器确定客人交易总计。该方法还包括经由一个或多个处理器将客户事务总数与预定阈值数量的事务进行比较，并且经由一个或多个处理器确定客户事务总数大于预定阈值数量的事务。最后，该方法响应于客户交易总数大于预定数量的门槛事务数量的确定，去除客人交易选项。

5. 发明申请

US20220230172A1 GUEST CHECKOUT DECISION ENGINE AND FLOWS 有权
公开(公告)号：US20220230172A1
公开(公告)日：2022-07-21
申请号：US17705832
申请日：2022-03-28
申请人： Visa International Service Association
发明人： Thomas Purves , Aparna Girish
IPC分类号： G06Q20/40 , G06Q20/38 , G06Q30/06
摘要： A computer implemented method including receiving guest data corresponding to a transaction. The method determining a guest transaction total based on the number of prior transactions associated with the guest identifying information. The method includes determining that the guest transaction total is greater than the predetermined threshold number of transactions and responding accordingly.

6. 发明授权

US11315121B2 Guest checkout decision engine and flows 有权
公开(公告)号：US11315121B2
公开(公告)日：2022-04-26
申请号：US16669118
申请日：2019-10-30
申请人： Visa International Service Association
发明人： Thomas Purves , Aparna Girish
IPC分类号： G06Q30/00 , G06Q20/40 , G06Q20/38 , G06Q30/06
摘要： A computer implemented method including receiving guest data corresponding to a transaction. The method determining a guest transaction total based on the number of prior transactions associated with the guest identifying information. The method includes determining that the guest transaction total is greater than the predetermined threshold number of transactions and responding accordingly.

7. 发明授权

US10475037B2 Method for configuring guest checkout options 有权
公开(公告)号：US10475037B2
公开(公告)日：2019-11-12
申请号：US15085740
申请日：2016-03-30
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： Thomas Purves , Aparna Girish
IPC分类号： G06Q30/00 , G06Q20/40 , G06Q20/38 , G06Q30/06
摘要： A computer implemented method of payment. The method includes receiving, via a digital communication network, guest data corresponding to a transaction. The method also includes securely storing guest identifying information in a guest database and determining, via one or more processors, a guest transaction total based on the number of prior transactions associated with the guest identifying information. The method also includes comparing, via the one or more processors, the guest transaction total to a predetermined threshold number of transactions and determining, via the one or more processors, that the guest transaction total is greater than the predetermined threshold number of transactions. Finally, the method includes, in response to the determination that the guest transaction total is greater than the predetermined number threshold number of transactions, removing a guest transaction option.

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