公开(公告)号：WO2023064104A1

公开(公告)日：2023-04-20

申请号：PCT/US2022/045040

申请日：2022-09-28

Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION

Inventor： GHOSH, Pamela ,  GU, Wanyun ,  ZAMANI, Mahdi ,  CHRISTODORESCU, Mihai ,  SHEFFIELD, Cuy

IPC: G06F21/33 ,  G06F21/64 ,  H04L9/32 ,  G06Q20/36 ,  H04L9/00

Abstract: A method is disclosed. The method includes determining, by a delegated certificate authority computer, a tier from a plurality of tiers for a digital wallet provider based on a list of qualifying criteria. The method also includes generating a digital certificate based on the tier, where the digital certificate is used by a digital wallet application computer associated with the digital wallet provider to complete interactions using a digital currency maintained by a blockchain network. The method further includes transmitting, by the delegated certificate authority computer to a digital wallet application computer, the digital certificate.

公开(公告)号：WO2022020523A1

公开(公告)日：2022-01-27

申请号：PCT/US2021/042645

申请日：2021-07-21

Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION

Inventor： ZAMANI, Mahdi ,  KUMARESAN, Ranjit ,  CHRISTODORESCU, Mihai ,  SHEFFIELD, Cuy ,  PRICE, Benjamin ,  GU, Wanyun ,  XU, Minghua ,  RAGHURAMAN, Srinivasan ,  SAAD, Muhammad ,  OZDAYI, Mustafa ,  MINAEI BIDGOLI, Mohammad Mohsen ,  DAS, Sourav

IPC: H04L9/32 ,  H04L9/08

Abstract: A method includes a first device receiving, from a second device, an interaction request message comprising an amount and a second device certificate. The first device can verify the second device certificate using a server computer public key corresponding to a server computer private key. A trusted application in a secure element of the first device can determine whether or not the amount is less than an offline amount stored in the secure element. If the amount is less than the offline amount, the trusted application can determine an updated offline amount based on the amount. The trusted application can generate an interaction response message comprising the amount and a trusted application certificate. The first device can then provide the interaction response message to the second device.