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公开(公告)号：US20240202217A1
公开(公告)日：2024-06-20
申请号：US18421764
申请日：2024-01-24
申请人： VISA EUROPE LIMITED
发明人： Malcolm Lewis , Boris Taratine
IPC分类号： G06F16/28 , G06F16/951 , G06Q50/00 , H04L9/40
CPC分类号： G06F16/288 , G06F16/951 , G06Q50/01 , H04L63/123
摘要： Embodiments of the present disclosure comprise methods, apparatus and computer readable instructions for establishing a relationship between user accounts. A first account association request message in relation to a first user account in an account based system is received. A first source account identifier which corresponds to the first user account and a first target account identifier which corresponds to the second user account are identified. A second account association request message in relation to the second user account is received. Based on the second account association request message, a second source account identifier which corresponds to the second user account and a second target account identifier which corresponds to the first user account are identified. Responsive to a determination of whether the source account identifiers and target account identifiers relate to the same user account, a relationship is established between the first user account and the second user account.
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公开(公告)号：US20230306394A1
公开(公告)日：2023-09-28
申请号：US18308347
申请日：2023-04-27
申请人： Visa Europe Limited
发明人： Peter Winfield-Chislett , Westley Stringfellow , Itamar Lesuisse , Veronica Casabonne , Raymond Tamblyn
IPC分类号： G06Q20/12 , G06Q30/0601 , G06Q20/02 , G06Q20/40 , G06Q20/22 , G06F21/31 , H04L67/63 , H04L9/32
CPC分类号： G06Q20/12 , G06F21/31 , G06Q20/02 , G06Q20/227 , G06Q20/40 , G06Q30/0601 , H04L9/321 , H04L67/63
摘要： Embodiments of the invention provide a method of processing payment authorization requests for payment transactions to be conducted via a data communications network; the payment authorization requests are conducted as a result of orders by financial account holders via a plurality of different online merchant systems, and the financial account holders hold accounts with a plurality of different issuing banks. These embodiments of the invention provide a means of identifying an issuing bank from a plurality of issuing banks as one which is to be utilized 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.
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公开(公告)号：US11763307B2
公开(公告)日：2023-09-19
申请号：US17046628
申请日：2019-04-05
申请人： Visa Europe Limited
CPC分类号： G06Q20/40145 , G06Q20/108 , G06Q20/3221 , G06Q40/02 , G06V40/1365
摘要： There is disclosed a method of authorising an electronic transaction, the method involving a server receiving transaction details for the electronic transaction and an identifier for a participant in the electronic transaction. The server sends the transaction details to the participant in the electronic transaction, and in return receives authorisation data from the participant, the authorisation data including authentication data authenticating the identity of the participant. The server then determines an account code identifying an account associated with the participant based on the identifier, and proceeds with the electronic payment transaction using the account code.
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公开(公告)号：US20230237485A1
公开(公告)日：2023-07-27
申请号：US18191759
申请日：2023-03-28
申请人： Visa Europe Limited
发明人： Lewis Graham
CPC分类号： G06Q20/4014 , G06Q20/3278 , G06Q20/3672 , G06Q20/3827 , G06Q20/401
摘要： There is discussed a method of authorising an electronic transaction in which a user device receives a shared secret and a shared secret identifier. Subsequently, on receipt of transaction data from a transaction terminal, the user device calculates a one-way hash of data comprising the shared secret to generate a hash value, generates authentication data comprising the hash value and the shared secret identifier, and transmits the authentication data to the transaction terminal.
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公开(公告)号：US20230134999A1
公开(公告)日：2023-05-04
申请号：US17915420
申请日：2020-06-18
申请人： Visa Europe Limited
发明人： Hyeonmin NA , Paul ROLLINGS
IPC分类号： G06Q30/0201 , G06F17/16
摘要： Disclosed herein is a computer-implemented method for calculating an affinity score for an entity in one or more transactions of a plurality of transactions, each transaction involving the transfer of an asset from an associated sending entity to an associated receiving entity. The method comprises receiving data identifying a seed receiving entity, querying transaction data for the plurality of transactions to identify a set of sending entities based on each sending entity in the set of sending entities having been the sending entity in at least one transaction with the seed receiving entity, querying the transaction data to identify transactions having a ending entity in the set of sending entities, and determining a set of receiving entities based on the transactions having the sending entity in the set of sending entities. In this way, a set of sending entities and a set of receiving entities and associated transactions are identified. The method then proceeds by assigning the set of sending entities and the set of receiving entities as nodes in a network and transactions as links in the network, wherein a link corresponding to a transaction connects the sending entity for the transaction with the receiving entity for the transaction. An eigenvector centrality value calculation can then be performed for a node corresponding to a subject receiving entity of the set of receiving entities, and an affinity score determined for the subject receiving entity using the eigenvector centrality value, whereby the affinity score provides a measure of affinity between the subject receiving entity and the seed receiving entity.
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公开(公告)号：US11275821B2
公开(公告)日：2022-03-15
申请号：US16575795
申请日：2019-09-19
申请人： Visa Europe Limited
发明人： Boris Taratine
IPC分类号： H04L29/06 , G06F21/35 , H04W4/80 , H04W12/04 , H04W12/08 , G06F21/43 , G06F21/72 , H04L9/32 , H04L9/12 , H04W12/63
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.
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公开(公告)号：US20220005010A1
公开(公告)日：2022-01-06
申请号：US17475735
申请日：2021-09-15
申请人： Visa Europe Limited
发明人： Omar Rifaat , David Wilson
摘要： A program for running on a processor of a portable payment device is adapted for carrying out a payment interaction and permitting ticket storage in a memory of the portable payment device. The program is configured to interact with an access point and includes a set of instructions, a first code portion and a second code portion. The set of instructions, when executed by the processor, causes the portable payment device to perform the steps of: responsive to a first message from said access point, executing the first code portion; and responsive to a second message from the access point, executing the second code portion. The first code portion includes first instructions corresponding to the payment interaction. The second code portion includes instructions corresponding to the payment interaction and second instructions corresponding to the ticket interaction.
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公开(公告)号：US10810315B2
公开(公告)日：2020-10-20
申请号：US16163437
申请日：2018-10-17
申请人： Visa Europe Limited
发明人： Boris Taratine , Malcolm Lewis
摘要： Methods, systems, apparatus and computer programs for enabling access to data by a requesting party. A plurality of sets of data are generated. A one one-way function is then used to generate a plurality of keys each associated with a respective one of the plurality of sets. Information associated with the data in a given set is used as an input to the one-way function when generating the key for that set. The keys are distributed to requesting parties. Subsequently, a requesting party may make a data access request using the received key. Upon receipt of a key, access may be enabled to the data. The requesting party may then generate validation data from information associated with at least a part of the received data and validating the received data by comparing the validation data to data derived from the received key.
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公开(公告)号：US20200273020A1
公开(公告)日：2020-08-27
申请号：US16871187
申请日：2020-05-11
申请人： Visa Europe Limited
发明人： Nicolas David Mackie , Stuart Fiske
IPC分类号： G06Q20/34
摘要： Methods and apparatuses are provided for configuring and using a contactless application on a chip within a portable device comprising input/output connections arranged to communicate with other devices via a contact connection and via a contactless connection. One such method comprises a first process and a second process. The first process comprises receiving, at the chip and from a first other device, a set of computer instructions, to be executed by the chip, to create a contactless application in a data store of the chip and initialise at least one file associated with the contactless application. The second process comprises executing, by the chip of the portable device, the contactless application, to transmit data to a second other device.
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公开(公告)号：US20200226564A1
公开(公告)日：2020-07-16
申请号：US16687128
申请日：2019-11-18
申请人： Visa Europe Limited
发明人： Peter Winfield-Chislett , Westley Stringfellow , Itamar Lesuisse , Veronica Casabonne , Raymond Tamblyn
摘要： Embodiments of the invention provide a method of processing payment authorization requests for payment transactions to be conducted via a data communications network; the payment authorization requests are conducted as a result of orders by financial account holders via a plurality of different online merchant systems, and the financial account holders hold accounts with a plurality of different issuing banks. These embodiments of the invention provide a means of identifying an issuing bank from a plurality of issuing banks as one which is to be utilized 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.
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