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公开(公告)号：US11727396B2
公开(公告)日：2023-08-15
申请号：US16920207
申请日：2020-07-02
申请人： Visa Europe Limited
发明人： Boris Taratine , Malcolm Lewis
CPC分类号： G06Q20/3821 , G06Q20/325 , G06Q20/3224 , G06Q20/40 , H04W4/029
摘要： Measures, including methods, apparatus and computer software are provided for processing electronic tokens. An authorization request is received in relation to processing of an electronic token. An identifier for a user terminal associated with the electronic token, and an account, are determined on the basis of the authorization request. In some arrangements, a location query for the user terminal is performed on the basis of the determined identifier, whereby to determine a location of the user terminal on the basis of a proximity of the user terminal to one or more base stations in a cellular telecommunications network. In some arrangements, a challenge message is sent to the user terminal, to establish a confidence that the transacting user terminal is the designated user terminal. Processing of the electronic token in relation to the account is selectively authorized on the basis of the result of the location query or challenge response.
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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：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：US10133872B2
公开(公告)日：2018-11-20
申请号：US15047496
申请日：2016-02-18
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：US11928138B2
公开(公告)日：2024-03-12
申请号：US15079466
申请日：2016-03-24
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：US20200334673A1
公开(公告)日：2020-10-22
申请号：US16920207
申请日：2020-07-02
申请人： Visa Europe Limited
发明人： Boris Taratine , Malcolm Lewis
摘要： Measures, including methods, apparatus and computer software are provided for processing electronic tokens. An authorization request is received in relation to processing of an electronic token. An identifier for a user terminal associated with the electronic token, and an account, are determined on the basis of the authorization request. In some arrangements, a location query for the user terminal is performed on the basis of the determined identifier, whereby to determine a location of the user terminal on the basis of a proximity of the user terminal to one or more base stations in a cellular telecommunications network. In some arrangements, a challenge message is sent to the user terminal, to establish a confidence that the transacting user terminal is the designated user terminal. Processing of the electronic token in relation to the account is selectively authorized on the basis of the result of the location query or challenge response.
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7.发明授权Method and system for establishing trust between a service provider and a client of the service provider 有权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
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。
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公开(公告)号：US10762499B2
公开(公告)日：2020-09-01
申请号：US15004753
申请日：2016-01-22
申请人： VISA EUROPE LIMITED
发明人： Boris Taratine , Malcolm Lewis
摘要： Measures, including methods, apparatus and computer software are provided for processing electronic tokens. An authorization request is received in relation to processing of an electronic token. An identifier for a user terminal associated with the electronic token, and an account, are determined on the basis of the authorization request. In some arrangements, a location query for the user terminal is performed on the basis of the determined identifier, whereby to determine a location of the user terminal on the basis of a proximity of the user terminal to one or more base stations in a cellular telecommunications network. In some arrangements, a challenge message is sent to the user terminal, to establish a confidence that the transacting user terminal is the designated user terminal. Processing of the electronic token in relation to the account is selectively authorized on the basis of the result of the location query or challenge response.
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公开(公告)号：US20190087590A1
公开(公告)日：2019-03-21
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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10.发明申请公开(公告)号：US20130305050A1
公开(公告)日：2013-11-14
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： 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).
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