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1. 发明申请

US20220201064A1 Method And System For Transferring Data 有权
公开(公告)号：US20220201064A1
公开(公告)日：2022-06-23
申请号：US17690686
申请日：2022-03-09
申请人： Visa Europe Limited
发明人： Boris Taratine
IPC分类号： H04L67/06 , G06Q20/38 , G06Q20/42 , H04L69/08
摘要： Systems, methods and computer programs for transferring data in a communication system are described. The communication system has a first node arranged to send data to a plurality of second nodes using a first protocol. The first protocol allows the transfer of data of a first type. At least one of the second nodes additionally requires data of a second type, which is not included in the data sent according to the first protocol. First data, of the first type, is transferred to a plurality of the second nodes using the first protocol. Second data, of the second type, is stored in a memory. Subsequently, in response to a request, access to the second data is provided to the second node.

2. 发明申请

US20210398111A1 Method And System For Transmitting Credentials 有权
公开(公告)号：US20210398111A1
公开(公告)日：2021-12-23
申请号：US17466640
申请日：2021-09-03
申请人： Visa Europe Limited
发明人： Paul Michael Carpenter , Jonathan Paul Sumpster , Andrew Paul Thompson , Christopher Ian Abrathat , Jonathan Rusca , Jean-Christophe Gilbert Lacour , Michael Ronald Philpotts
IPC分类号： G06Q20/38 , G06Q20/40 , H04L29/06
摘要： Method and apparatus for transmitting credentials to a transaction processing system, the credentials arranged in sets and a set including a unique identifier and verification data elements. Credentials are activated and are then available for use in at least one subsequent transaction. In the transaction, in response to receiving authorization from a user, the unique identifier and verification data elements from a set are transmitted to the transaction processing system for the user. The credentials are activated using an activation mode selected from at least a first activation mode and a second activation mode. In the first activation mode, additional user input for the verification data elements associated with the unique identifier is received from the user. In the second activation mode, the user is authenticated, and verification data elements are received via a data communications network are received from a trusted data processing system remote from the user.

3. 发明授权

US11080692B2 System for performing a validity check of a user device 有权
公开(公告)号：US11080692B2
公开(公告)日：2021-08-03
申请号：US16090939
申请日：2017-04-07
申请人： Visa Europe Limited
发明人： Nicolas David Mackie
IPC分类号： G06Q20/38 , G06Q20/40 , G06Q50/30 , G06Q20/36 , G06Q20/04 , G07B15/02 , G06Q20/32 , G06Q20/34
摘要： There is disclosed a system for performing a validity check of a user device having an application stored thereon. The apparatus comprises a coupling device operable to communicate with the user device via near field communication, a processor, and memory storing program code for execution by the processor and validity check data. The program code comprises executable instructions to receive a determinate user device identifier from the user device via the coupling device and to receive application data from the user device via the coupling device, the application data being characteristic of the application stored on the user device. The program code processes the user device identifier and the application data to generate a test token, and determines whether the test token is a valid token using the validity check data.

4. 发明授权

US10257178B2 Method and system for creating a unique identifier 有权
公开(公告)号：US10257178B2
公开(公告)日：2019-04-09
申请号：US14884153
申请日：2015-10-15
申请人： Visa Europe Limited
发明人： Paul Michael Carpenter , Jonathan Paul Sumpster , Andrew Paul Thompson , Christopher Ian Abrathat , Jonathan Rusca , Jean-Christophe Gilbert Lacour , Michael Ronald Philpotts
IPC分类号： H04L29/06 , G06F21/31 , G06Q20/40
摘要： Method and apparatus for creating a second unique identifier for a user in a second system based on a first unique identifier for a user in a first system. A first authentication process is initiated based on a first unique identifier associated with the user in the first system. Responsive to the user successfully authenticating during the first authentication process, the second unique identifier for a user in the second system is generated. The second unique identifier is based on user data associated with the first unique identifier in the first system, and the second unique identifier is different from the first unique identifier.

5. 发明授权

US08898799B2 Method and system for establishing trust between a service provider and a client of the service provider 有权
标题翻译：用于在服务提供商和服务提供商的客户端之间建立信任的方法和系统
公开(公告)号：US08898799B2
公开(公告)日：2014-11-25
申请号：US13750780
申请日：2013-01-25
申请人： Visa Europe Limited
发明人： Matthew Johnson , Malcolm Lewis , Boris Taratine
IPC分类号： G06F21/00 , H04L9/32
CPC分类号： H04L9/3202 , H04L9/321 , H04L9/3215 , H04L2209/56
摘要： Trust is established between a service provider (20) and a client (10) of the service provider (20). The client (10) is associated with a party that is known by an identity provider (50), and the identity provider (50) is trusted by the service provider (20). The identity provider (50) contacts (70) the party (80) via a predetermined medium, and requests the party to identify itself. The identity provider (50) determines whether the identity of the identifying party (80) corresponds to an identity held by the identity provider (50) for the party and shares a secret (100) with the identifying party (80) in the event that the identity provider (50) has determined that the identity of the identifying party (80) is the same as said identity held by the identity provider (50).
摘要翻译：在服务提供商（20）和服务提供商（20）的客户端（10）之间建立信任。客户端（10）与身份提供商（50）已知的一方相关联，并且身份提供商（50）被服务提供商（20）信任。身份提供者（50）经由预定介质与派对（80）联系（70），并请求方识别自身。身份提供者（50）确定识别方（80）的身份是否对应于身份提供者（50）为该方所持有的身份，并在与该识别方（80）身份提供者（50）已经确定识别方（80）的身份与身份提供者（50）所持有的所述身份相同。

6. 发明申请

US20100174620A1 PAYMENT SYSTEM 有权
标题翻译：支付系统
公开(公告)号：US20100174620A1
公开(公告)日：2010-07-08
申请号：US12416902
申请日：2009-04-01
申请人： Westley Stringfellow , Peter Winfield-Chislett , Itamar Lesuisse , Raymond Tamblyn , Veronica Casabonne
发明人： Westley Stringfellow , Peter Winfield-Chislett , Itamar Lesuisse , Raymond Tamblyn , Veronica Casabonne
IPC分类号： G06Q20/00 , G06Q30/00
CPC分类号： G06Q20/12 , G06F21/31 , G06Q20/02 , G06Q20/227 , G06Q20/40 , G06Q30/0601
摘要： Disclosed embodiments provide systems and methods of processing payment authorisation requests for payment transactions to be conducted via a data communications network. The method allows identification of an issuing bank from a plurality of issuing banks as one which is to be utilised in a given transaction and facilitate a user specifying, in real time in relation to the given transaction, a particular bank account that is to be used to deduct funds for that transaction.
摘要翻译：公开的实施例提供了处理要经由数据通信网络进行的支付交易的支付授权请求的系统和方法。该方法允许将来自多个发行银行的发行银行识别为在给定交易中使用的开证行，并且便于用户与给定交易相关地实时指定要使用的特定银行账户扣除该笔交易的资金。

7. 发明授权

US11381632B2 Method and system for transferring data 有权
公开(公告)号：US11381632B2
公开(公告)日：2022-07-05
申请号：US16418542
申请日：2019-05-21
申请人： Visa Europe Limited
发明人： Boris Taratine
IPC分类号： G06Q20/42 , G06Q20/38 , H04L67/06 , H04L69/08 , H04L29/08 , H04L29/06
摘要： Systems, methods and computer programs for transferring data in a communication system are described. The communication system has a first node arranged to send data to a plurality of second nodes using a first protocol. The first protocol allows the transfer of data of a first type. At least one of the second nodes additionally requires data of a second type, which is not included in the data sent according to the first protocol. First data, of the first type, is transferred to a plurality of the second nodes using the first protocol. Second data, of the second type, is stored in a memory. Subsequently, in response to a request, access to the second data is provided to the second node.

8. 发明申请

US20220155127A1 Enabling Access To Data 有权
公开(公告)号：US20220155127A1
公开(公告)日：2022-05-19
申请号：US17592239
申请日：2022-02-03
申请人： Visa Europe Limited
发明人： Boris Taratine
IPC分类号： G01F23/18
摘要： Systems, methods and apparatus for enabling access to secure data. A first module is arranged to generate a limited use passcode and make the passcode available to a user. A second module and a third module are arranged to communicate whereby to enable detection of the third module being in proximity to the second module. A fourth module is arranged to receive a passcode via user input. The apparatus is arranged to enable access to secure data in dependence on the fourth module receiving a valid passcode generated by the first module and the third module being in proximity to the second module.

9. 发明授权

US11138596B2 Method and system for transmitting credentials 有权
公开(公告)号：US11138596B2
公开(公告)日：2021-10-05
申请号：US14883508
申请日：2015-10-14
申请人： Visa Europe Limited
发明人： Paul Michael Carpenter , Jonathan Paul Sumpster , Andrew Paul Thompson , Christopher Ian Abrathat , Jonathan Rusca , Jean-Christophe Gilbert Lacour , Michael Ronald Philpotts
IPC分类号： G06Q20/38 , G06Q20/40 , H04L29/06
摘要： Method and apparatus for transmitting credentials to a transaction processing system, the credentials arranged in sets and a set including a unique identifier and verification data elements. Credentials are activated and are then available for use in at least one subsequent transaction. In the transaction, in response to receiving authorization from a user, the unique identifier and verification data elements from a set are transmitted to the transaction processing system for the user. The credentials are activated using an activation mode selected from at least a first activation mode and a second activation mode. In the first activation mode, additional user input for the verification data elements associated with the unique identifier is received from the user. In the second activation mode, the user is authenticated, and verification data elements are received via a data communications network are received from a trusted data processing system remote from the user.

10. 发明授权

US10764269B2 Method and system for creating a unique identifier 有权
公开(公告)号：US10764269B2
公开(公告)日：2020-09-01
申请号：US16283459
申请日：2019-02-22
申请人： Visa Europe Limited
发明人： Paul Michael Carpenter , Jonathan Paul Sumpster , Andrew Paul Thompson , Christopher Ian Abrathat , Jonathan Rusca , Jean-Christophe Gilbert Lacour , Michael Ronald Philpotts
IPC分类号： H04L29/06 , G06F21/31 , G06Q20/40
摘要： Method and apparatus for creating a second unique identifier for a user in a second system based on a first unique identifier for a user in a first system. A first authentication process is initiated based on a first unique identifier associated with the user in the first system. Responsive to the user successfully authenticating during the first authentication process, the second unique identifier for a user in the second system is generated. The second unique identifier is based on user data associated with the first unique identifier in the first system, and the second unique identifier is different from the first unique identifier.

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