专利快速检索-快速检索全球专利，免费商用专利数据库-IPRDB

1. 发明授权

US11080696B2 Systems and methods for code display and use 有权
公开(公告)号：US11080696B2
公开(公告)日：2021-08-03
申请号：US15421891
申请日：2017-02-01
申请人： Visa International Service Association
发明人： Christian Flurscheim , Glenn Powell , Christian Aabye , Jalpesh Chitalia , Erick Wong
IPC分类号： G06Q20/38 , G06K7/14 , G06Q20/32 , G06Q20/40 , G06Q30/02
摘要： Embodiments of the present invention relate to systems and methods that allow users to use their communication devices to perform transactions (e.g., payment transactions, access transactions, etc.). To complete a transaction, a resource provider electronically generates a code representing transaction data and displays it on an access device. The user scans the code with his or her communication device using a camera associated with the communication device, for example. The code is interpreted by an application on the communication device. The user may request and receive a token at the communication device corresponding to sensitive information selected to perform the transaction (e.g., a primary account number). The user may then provide the token and the transaction data via the communication device to a server computer, which may facilitate completion of the transaction between the user and the resource provider using the transaction data and the token.

2. 发明申请

US20210044974A1 METHOD AND SYSTEM FOR PROVISIONING ACCESS DATA TO MOBILE DEVICE 有权
公开(公告)号：US20210044974A1
公开(公告)日：2021-02-11
申请号：US17006501
申请日：2020-08-28
申请人： Visa International Service Association
发明人： Glenn Powell , John F. Sheets
IPC分类号： H04W12/06 , H04W12/08 , H04L29/06 , H04L29/08 , G06Q20/32 , G06Q20/36 , G06Q20/38 , G06Q20/40 , H04W12/00
摘要： A method and system for provisioning access data in a second application on a mobile device using a first application on the mobile device. Authentication data may be input into the first application, and an authentication code may be requested from a remote server. After the authentication code is received by the first application in the mobile device, it can pass the authentication code to a second application that initiates an access data provisioning process.

3. 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.

4. 发明授权

US10607212B2 Secure remote payment transaction processing 有权
公开(公告)号：US10607212B2
公开(公告)日：2020-03-31
申请号：US14332245
申请日：2014-07-15
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： John Sheets , Kim Wagner , Christian Aabye , Frederick Liu , Igor Karpenko , Glenn Powell , Kiushan Pirzadeh
IPC分类号： G06Q20/32 , G06Q20/38
摘要： Embodiments of the present invention are directed to methods, apparatuses, computer readable media and systems for securely processing remote transactions. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a mobile device comprising a server computer receiving a payment request including encrypted payment information. The encrypted payment information being generated by a mobile payment application of the mobile device and being encrypted using a third party key. The method further comprises decrypting the encrypted payment information using the third party key, determining a transaction processor public key associated with the payment information, and re-encrypting the payment information using the transaction processor public key. The method further comprises sending a payment response including the re-encrypted payment information to a transaction processor. The transaction processor decrypts the re-encrypted payment information using a transaction processor private key and initiates a payment transaction.

5. 发明授权

US10510073B2 Methods and systems for provisioning mobile devices with payment credentials 有权
公开(公告)号：US10510073B2
公开(公告)日：2019-12-17
申请号：US14455600
申请日：2014-08-08
申请人： Visa International Service Association
发明人： Erick Wong , Kiushan Pirzadeh , Oleg Makhotin , Glenn Powell , Igor Karpenko , John Sheets , Frederick Liu
IPC分类号： G06Q20/38 , G06Q20/32 , G06Q20/40
摘要： Embodiments are described that are directed to optimizing the provisioning of payment account credentials to mobile devices utilizing mobile wallets. In some embodiments, one of multiple provisioning schemes may be selectively chosen for payment account credential provisioning based upon a determined risk involved with a particular provisioning request. A low risk provisioning request leads to an immediate provisioning of a payment credential, whereas a provisioning request of high risk results in the provisioning request being denied. In some embodiments, medium risk provisioning requests will cause an additional user authentication to be performed before the payment account provisioning is finalized. The additional user authentication may occur using a separate communication channel than the channel in which the provisioning request was received.

6. 发明授权

US10433128B2 Methods and systems for provisioning multiple devices 有权
公开(公告)号：US10433128B2
公开(公告)日：2019-10-01
申请号：US14591836
申请日：2015-01-07
申请人： Visa International Service Association
发明人： John Sheets , Glenn Powell , Igor Karpenko , Erick Wong
IPC分类号： H04W4/50
摘要： Embodiments of the present invention are directed to methods, systems, and apparatuses for provisioning account information to a mobile device. In one embodiment, following the provisioning of account information to a first mobile device of a user, a second mobile device of the user may be provisioned without requiring the user to provide account information for the provisioned accounts. In another embodiment, provisioned account information may be stored to a remote database, and subsequently restored to a previously provisioned mobile device or provisioned to a new mobile device.

7. 发明授权

US10339553B2 Systems and methods to apply the benefit of offers via a transaction handler 有权
公开(公告)号：US10339553B2
公开(公告)日：2019-07-02
申请号：US15243337
申请日：2016-08-22
申请人： Visa International Service Association
发明人： Joseph Bjorn Ovick , Mark Carlson , Ryan Hagey , Margaret Reid , Patrick Stan , Patrick Wright , Krishna Prasad Koganti , Glenn Powell , Phillip Lyle Kumnick
IPC分类号： G06Q20/10 , G06Q20/12 , G06Q20/32 , G06Q20/38 , G06Q20/40 , G06Q30/02 , G06Q30/00
摘要： A system includes a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing an account holder, into separate transactions with the issuer processor and at least one sponsor processor that is configured to provide the benefit of offers to applicable transactions. A portal is configured to notify the account holder of the award/redemption of the benefit of an offer using a communication channel separate from the transaction terminal that initiates and approves the transaction between the account holder and the merchant.

8. 发明申请

US20180352438A1 METHOD AND SYSTEM FOR PROVISIONING ACCESS DATA TO MOBILE DEVICE 审中-公开
公开(公告)号：US20180352438A1
公开(公告)日：2018-12-06
申请号：US16057361
申请日：2018-08-07
申请人： Visa International Service Association
发明人： Glenn Powell , John F. Sheets
IPC分类号： H04W12/06 , H04L29/06 , H04L29/08 , H04W12/08 , G06Q20/32 , H04W88/02 , H04W12/04
CPC分类号： H04W12/06 , G06Q20/32 , G06Q20/36 , G06Q20/38215 , G06Q20/40 , H04L63/10 , H04L67/04 , H04W12/0023 , H04W12/0027 , H04W12/04 , H04W12/08 , H04W88/02
摘要： A method and system for provisioning access data in a second application on a mobile device using a first application on the mobile device. Authentication data may be input into the first application, and an authentication code may be requested from a remote server. After the authentication code is received by the first application in the mobile device, it can pass the authentication code to a second application that initiates an access data provisioning process.

9. 发明授权

US09460436B2 Systems and methods to apply the benefit of offers via a transaction handler 有权
标题翻译：通过事务处理程序应用优惠的系统和方法
公开(公告)号：US09460436B2
公开(公告)日：2016-10-04
申请号：US13804435
申请日：2013-03-14
申请人： Visa International Service Association
发明人： Joseph Bjorn Ovick , Mark Carlson , Ryan Hagey , Margaret Reid , Patrick Stan , Patrick Wright , Krishna Prasad Koganti , Glenn Powell , Phillip Lyle Kumnick
IPC分类号： G06Q30/00 , G06Q20/40 , G06Q30/02 , G06Q20/10 , G06Q20/12 , G06Q20/32 , G06Q20/38
CPC分类号： G06Q30/0222 , G06Q20/10 , G06Q20/12 , G06Q20/3221 , G06Q20/387 , G06Q20/40 , G06Q20/401 , G06Q20/405 , G06Q30/0225 , G06Q30/0239
摘要： A system includes a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing an account holder, into separate transactions with the issuer processor and at least one sponsor processor that is configured to provide the benefit of offers to applicable transactions. A portal is configured to notify the account holder of the award/redemption of the benefit of an offer using a communication channel separate from the transaction terminal that initiates and approves the transaction between the account holder and the merchant.
摘要翻译：一种系统包括：交易处理器，被配置为将表示商家的获取方处理器和代表账户持有者的发行者处理器之间发起的交易分开到与所述发行者处理器分开的交易中，以及至少一个赞助商处理器，提供适用的交易。门户被配置为使用与交易终端分开的通信信道通知账户持有者对利益的授予/兑换，该交易终端启动并且批准账户持有者与商家之间的交易。

10. 发明申请

US20130282461A1 SYSTEMS AND METHODS TO USE TRANSACTION AUTHORIZATION COMMUNICATIONS TO PROCESS OFFERS 审中-公开
标题翻译：使用交易授权通信进行处理的系统和方法
公开(公告)号：US20130282461A1
公开(公告)日：2013-10-24
申请号：US13865101
申请日：2013-04-17
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： Joseph Bjorn Ovick , Mark Carlson , Ryan Hagey , Margaret Reid , Patrick Stan , Patrick Wright , Krishna Prasad Koganti , Glenn Powell
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0222
摘要： A system includes a transaction handler, a data warehouse storing data associating offers and consumer accounts, a transaction handler coupled with the data warehouse, and a transaction terminal configured to submit authorization requests to the transaction handler via an acquirer processor. After receiving account information identifying a consumer account for a payment transaction, the transaction terminal generates a first authorization request identifying the consumer account. The transaction handler identifies offer information relevant to the payment transaction and provides an authorization response containing the offer information, prior to communication with an issuer processor for the payment transaction. In response to the offer information provided in the authorization response, the transaction terminal modifies the first authorization request to generate a second authorization request, in response to which the transaction handler communicates with the issuer processor for the payment transaction.
摘要翻译：系统包括事务处理程序，存储关联提供和消费者帐户的数据的数据仓库，与数据仓库相结合的事务处理程序，以及经配置以经由获取方处理器向处理程序提交授权请求的交易终端。在接收到识别用于支付交易的消费者帐户的帐户信息之后，交易终端生成标识消费者帐户的第一授权请求。在与支付交易的发行者处理器通信之前，交易处理者识别与支付交易相关的报价信息并提供包含报价信息的授权响应。响应于在授权响应中提供的提供信息，交易终端修改第一授权请求以生成第二授权请求，响应于该事务处理程序与发行方处理器通信用于支付交易。

你已经成功收藏专利！

检索式保存成功!

IPRDB

热门服务

关于我们

友情链接

联系方式