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21 条记录 (耗时 0.097 秒)

    USE OF WEB AUTHENTICATION TO ENHANCE SECURITY OF SECURE REMOTE PLATFORM SYSTEMS
    12.
    发明申请
    USE OF WEB AUTHENTICATION TO ENHANCE SECURITY OF SECURE REMOTE PLATFORM SYSTEMS 有权

    公开(公告)号：US20230022797A1

    公开(公告)日：2023-01-26

    申请号：US17764123

    申请日：2020-11-12

    申请人： Visa International Service Association

    发明人： Jalpesh Chitalia ,  Gavin Shenker ,  Manoj Kannembath ,  Amit Gupta

    IPC分类号： H04L9/40

    摘要： A method includes receiving, by a universal authentication application from a resource provider computer, a user credential verification request message comprising a user identifier, server computer data, and interaction data for an interaction. The universal authentication application transmits the user credential verification request message to a browser that invokes the authenticator to verify biometric information of a user. The universal authentication application receives a user credential verification response message from the authenticator. The user credential verification response message includes signed interaction data. The universal authentication application sends the user credential verification response message to the resource provider computer. The resource provider computer provides at least the signed interaction data to a plurality of server computers to retrieve a plurality of portable device credentials respectively associated with the plurality of server computers.

    PROCESSING REMOTE INTERACTIONS USING CONTEXT-SPECIFIC IDENTIFIERS
    13.
    发明申请
    PROCESSING REMOTE INTERACTIONS USING CONTEXT-SPECIFIC IDENTIFIERS 有权

    公开(公告)号：US20220012765A1

    公开(公告)日：2022-01-13

    申请号：US17370848

    申请日：2021-07-08

    申请人： Visa International Service Association

    发明人： Manoj Kannembath ,  Aaron Stark ,  Jalpesh Chitalia

    IPC分类号： G06Q30/02 ,  G06Q20/32

    摘要： During a transaction, a user may wish to determine if there are benefits available to the user, which may be applicable to the transaction with a resource provider. An application on the user device receives and transmits a resource provider identifier of the resource provider to a server computer. The server computer may identify a remote processor associated with the resource provider, and communicate with the remote processor to identify one or more benefits applicable to the transaction. The server computer may send the applicable benefit(s) to the application on the user device. The user may select one or more of the applicable benefits, and transmit the selection to the server computer, which may initiate processing of the transaction in view of the selected benefits.

    SYSTEMS AND METHODS FOR CODE DISPLAY AND USE
    19.
    发明申请
    SYSTEMS AND METHODS FOR CODE DISPLAY AND USE 有权

    公开(公告)号：US20210312433A1

    公开(公告)日：2021-10-07

    申请号：US17349708

    申请日：2021-06-16

    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

    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.

    TOKEN KEYS TO GENERATE CRYPTOGRAMS FOR TOKEN INTERACTIONS
    20.
    发明申请
    TOKEN KEYS TO GENERATE CRYPTOGRAMS FOR TOKEN INTERACTIONS 有权

    公开(公告)号：US20210176062A1

    公开(公告)日：2021-06-10

    申请号：US17267688

    申请日：2019-08-13

    申请人： Visa International Service Association

    发明人： Jalpesh Chitalia ,  Eduardo Lopez ,  Christian Flurscheim ,  Sayeed Mohammed ,  Christian Aabye ,  Christoffel Jacobs ,  Phillip Lavender

    IPC分类号： H04L9/32 ,  H04L9/14 ,  H04L9/08

    摘要： Techniques are described for managing master keys for token requestors to use in generating cryptograms such as TAVVs. A processor computer generates a first master key for a token requestor, the first master key being generated based on (a) a second master key managed by the processor computer and (b) an identifier of the token requestor. The processor computer transmits, to a token requestor computer corresponding to the token requestor, the first master key. The processor computer receives, from the token requestor computer, a request for a token. Responsive to receiving the request for the token, the processor computer transmits the token to the token requestor computer; and receives, from the token requestor computer, an authorization request message comprising the token and a cryptogram generated by the token requestor computer using the first master key and the token.