公开(公告)号：WO2022154789A1

公开(公告)日：2022-07-21

申请号：PCT/US2021/013316

申请日：2021-01-13

Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION

Inventor： PRICE, Benjamin ,  CHEN, Yuexi ,  ZAMANI, Mahdi ,  KUMARESAN, Ranjit ,  CHRISTODORESCU, Mihai

IPC: G06Q20/40 ,  G06Q20/38 ,  G06Q20/06 ,  G06Q20/36 ,  H04L9/32

Abstract: Methods and systems for token-based off-chain interaction authorization are disclosed, A hub computer can maintain a network of off-chain (or "layer two") channels between itself, cryptocurrency issuer computers, and cryptocurrency custodian computers. These off-chain channels correspond to one or more underlying blockchains. The hub computer can receive an access token, a resource provider identifier, and an interaction value. The hub computer can use the access token to identify a cryptocurrency issuer computer associated with the mobile device, and use the resource provider identifier to identify the cryptocurrency custodian computer associated with the access device. The hub computer can update the state of the off-chain channels corresponding to these two computers based on the interaction value, then transmit an authorization response message.

公开(公告)号：WO2022192658A1

公开(公告)日：2022-09-15

申请号：PCT/US2022/019927

申请日：2022-03-11

Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION

Inventor： MINAEI BIDGOLI, Mohammad Mohsen ,  KUMARESAN, Ranjit ,  RAGHURAMAN, Srinivasan ,  ZAMANI, Mahdi ,  WIJEYEKOON, Arjuna

IPC: G06Q20/06 ,  G06Q20/38

Abstract: A method for facilitating cryptocurrency transactions is disclosed. The method includes receiving, by a hub computer, a first user account identifier from a first service provider computer in communication with a first user device and a first blockchain network. The first service provider computer transfers an amount of digital currency to a first smart contract on the first blockchain network. The hub computer also receives a second user account identifier from a second service provider computer in communication with a second user device and a second blockchain network containing a second smart contract. The hub computer receives a first amount of a first digital currency from the first service provider computer, and then transfers a second amount of a second digital currency to the second service provider computer.

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.

公开(公告)号：WO2022076605A1

公开(公告)日：2022-04-14

申请号：PCT/US2021/053840

申请日：2021-10-06

Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION

Inventor： XU, Minghua ,  CHRISTODORESCU, Mihai ,  SUN, Wei ,  RINDAL, Peter ,  KUMARESAN, Ranjit ,  NAGARAJA, Vinjith ,  PATEL, Karankumar Hiteshbhai

IPC: G06F16/25 ,  G06F16/2455 ,  G06F16/28 ,  G06F16/22 ,  G06F21/62 ,  H04L65/40

Abstract: Embodiments of the present disclosure are directed to methods and systems used to determine private set intersections (PSIs) and execute private database joins (PDJs). Some embodiments are characterized by binning techniques that enables PSI and PDJ methods to be performed by worker nodes in a computing cluster in parallel, thus reducing execution time. A first party computing system and a second party computing system can each tokenize their respective datasets, then assign the datasets to bins. The bins can each be padded with dummy tokens. Then the first party computing system and second party computing system can execute several parallel PSI on pairs of corresponding bins. The results can then be combined to produce a tokenized intersection set, which can then be detokenized to produce the set intersection.

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

IPC: G06Q20/06 ,  G06Q20/14 ,  G06Q20/40

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.

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

IPC: H04L9/08 ,  H04L9/14

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.