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公开(公告)号：WO2021040784A1
公开(公告)日：2021-03-04
申请号：PCT/US2020/015797
申请日：2020-01-30
Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION
Inventor： GADDAM, Sivanarayana , MUKHERJEE, Pratyay , WATSON, Gaven
Abstract: Methods and systems for gateway agnostic tokenization are disclosed. Gateway agnostic tokenization enables a resource provider to quickly, safely, and efficiently route a token for authorization via any appropriate gateway computer. As part of an interaction with a user, a resource provider can transmit a token to an edge computer. The edge computer can then forward the token to a gateway computer. The gateway computer can identify a data item comprising two ciphertexts associated with the token. The edge computer and gateway computer can collectively decrypt the two ciphertexts to obtain a credential. The gateway computer can then forward the credential to an authorizing entity computer. The authorizing entity computer can then determine whether or not to authorize the interaction.
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公开(公告)号：WO2020112104A1
公开(公告)日：2020-06-04
申请号：PCT/US2018/062847
申请日：2018-11-28
Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION
Inventor： SINHA, Rohit , GADDAM, Sivanarayana , LUYKX, Atul , YANG, Hao
Abstract: Described herein are a system and techniques for enabling user control over usage of their information, even when untrusted parties are involved. In embodiments of the disclosure, users are able to modify policy data on a decentralized network. A users information may be collected by a client device and provided to a host server. An encrypted version of the users information may be stored at the host server and when requested by a data consumer, the request may be processed on a private enclave of the host server. This may involve determining, based on a current status of the policy data on the decentralized network, whether the request is an authorized request. If so, then the information is decrypted, processed, and re-encrypted using a different cryptographic key. The requestor of the data may then be given access to the encrypted output.
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公开(公告)号：WO2021034576A1
公开(公告)日：2021-02-25
申请号：PCT/US2020/045997
申请日：2020-08-12
Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION
Inventor： MINAEI BIDGOLI, Mohammad Mohsen , KUMARESAN, Ranjit , ZAMANI, Mahdi , GADDAM, Sivanarayana
Abstract: Systems and methods for transferring value. A method includes posting, by a user device to a blockchain, a deposit transaction comprising a deposit value and conditions and updating, by the user device, a state according to a transaction amount. The method also includes transmitting, by the user device, a state update of the state to a server computer and responsive to transmitting the state update, and receiving, by the user device, a payment complete message comprising a tuple from the server computer. The method also includes verifying, by the user device, the conditions and processing, by the user device, a server deposit transaction on the blockchain in response to verifying.
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公开(公告)号：WO2020112166A1
公开(公告)日：2020-06-04
申请号：PCT/US2019/030415
申请日：2019-05-02
Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION
Inventor： GADDAM, Sivanarayana , KUMARESAN, Ranjit , SINHA, Rohit
Abstract: Described herein are a system and techniques for enabling user control over usage of their information by data consumers, even when untrusted parties are involved, while also preventing collusion between the untrusted party and a data consumer. A user's information may be collected by a client device and provided to a host server. An encrypted version of the user's information may be stored at the host server so that it is processed on a private enclave of the host server. When the data is to be provided to multiple data consumers, the data may be encrypted for each of the data consumers and may be released to each of those data consumers simultaneously once confirmation has been received that the data has been made available to each of the data consumers.
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公开(公告)号：WO2019212829A1
公开(公告)日：2019-11-07
申请号：PCT/US2019/028963
申请日：2019-04-24
Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION
Inventor： GADDAM, Sivanarayana , SINHA, Rohit , LUYKX, Atul , YANG, Hao
Abstract: The system and methods described herein may be utilized to perform operations in a faster and less complex manner than provided by conventional systems. An encrypted record may be stored at a user device. The encrypted record may include entries related to operations that were previously requested by the user device. The encrypted record may have been encrypted using a dynamic value and a key that is associated with an entity associated with the user. A recipient computer of a request by the user device may be configured to utilize the dynamic value provided in the request and the key associated with the entity to derive the encryption key(s) last used to encrypt the record. The recipient computer may decrypt and modify the decrypted record to perform the requested operation while the user device is precluded from doing so.
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Patent Agency Ranking
公开(公告)号：WO2021042034A2
公开(公告)日：2021-03-04
申请号：PCT/US2020/048747
申请日：2020-08-31
Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION
Inventor： GADDAM, Sivanarayana , LOKHANDE, Yogesh
IPC: G06K5/00 , H04L9/14 , H04M1/64 , G06F21/6245 , G06F21/84
Abstract: A method for securely rendering sensitive data is disclosed. A method for securely rendering sensitive data may include receiving account identifier data associated with at least one account identifier. The account identifier data may be converted into at least one non-textual visual element. The at least one non-textual visual element may be communicated to at least one receiver. The at least one receiver may render the at least one non-textual visual element. A system and computer program product are also disclosed.
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公开(公告)号：WO2021016195A1
公开(公告)日：2021-01-28
申请号：PCT/US2020/042797
申请日：2020-07-20
Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION
Inventor： GADDAM, Sivanarayana , LUYKX, Atul , SHEFFIELD, Cuy
Abstract: An enhanced federated custodian system is described. One embodiment is directed to a computer system executing instructions to: receive, from one or more members of a federated blockchain on a network of computing devices, an approval for a transaction associated with an authentication capsule; generate, via a first trusted execution environment, a first machine readable code in response to receiving the approval for the transaction; transmit to a cold interaction system, the first machine readable code; and the cold interaction system comprising one or more processors and one or more memories, the one or more memories comprising instructions executable by the one or more processors to: receive the first machine readable code comprising the encrypted information and the approval; decrypt the encrypted information for the transaction and the approval; and generate a private key that corresponds to a public key for the transaction.
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8.发明申请
公开(公告)号：WO2020146605A1
公开(公告)日：2020-07-16
申请号：PCT/US2020/012896
申请日：2020-01-09
Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION
Inventor： GADDAM, Sivanarayana , WATSON, Gaven James , SINHA, Rohit , LUYKX, Atul
Abstract: A method, system, and computer program product generate, with a payment network, a first value (a) and a second value (ga), the second value (ga) generated based on the first value (a) and a generator value (g); generate, with the payment network, a plurality of random merchant numbers (mi) for a respective plurality of merchant banks; determine, with the payment network, a merchant product (M) based on a product of the plurality of random merchant numbers (mi); generate, with the payment network, a public key (pki) based on the second value (ga), the merchant product (M), and the random merchant number (mi) and a random key (rki) based on the merchant product (M) and the random merchant number (mi) for each respective merchant bank; and communicate, with the payment network, the public key (pki) and the random key (rki) to at least one respective merchant bank.
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9.发明申请
公开(公告)号：WO2020146602A1
公开(公告)日：2020-07-16
申请号：PCT/US2020/012891
申请日：2020-01-09
Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION
Inventor： GADDAM, Sivanarayana , WATSON, Gaven, James , SINHA, Rohit , MUKHERJEE, Pratyay
Abstract: A method, system, and computer program product generate, with a payment network, a first value (a) and a second value (ga), the second value (ga) based on the first value (a) and a generator value (g); generate, with the payment network, a plurality of random merchant numbers (mi) for a respective plurality of merchant banks; determine, with the payment network, a merchant product (M) based on a product of the plurality of random merchant numbers (mi); generate, with the payment network, a public key (pki) based on the second value (ga), the merchant product (M), and the random merchant number (mi) and a random key (rki) based on the merchant product (M) and the random merchant number (mi) for each respective merchant bank; and communicate, with the payment network, the public key (pki) and the random key (rki) to at least one respective merchant bank.
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公开(公告)号：WO2018222811A9
公开(公告)日：2018-12-06
申请号：PCT/US2018/035295
申请日：2018-05-31
Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION
Inventor： YOU, Di , PETERSEN, Zack , PRAKASH, Gyan , GADDAM, Sivanarayana , KUMAR, Vibhor , GALLAND, Dean
Abstract: A method for automatically analyzing a personal service session and completing a transaction therefor includes monitoring a service location with a video camera in communication with a processor, determining that the personal service session has begun based on an identification of at least one start trigger event, analyzing an output from the video camera including a plurality of frames of video data collected during the personal service session to identify a sequence of frames of the video data, automatically matching the sequence of frames to at least one type of service that was provided during the personal service session, determining that the personal service session has ended based on an identification of at least one end trigger event, determining a transaction value associated with the types of service that have been provided during the personal service session, and generating an electronic invoice based on the determined transaction value.
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