公开(公告)号：WO2022251035A1

公开(公告)日：2022-12-01

申请号：PCT/US2022/030046

申请日：2022-05-19

Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION

Inventor： MANOHARAN, Hemanth Kumar ,  KULPATI, Ashish ,  MHASDE, Swapnil, Vasant ,  SINGH, Ankur, Kumar ,  BROWN, David, Alan

IPC: G06Q20/02

Abstract: Provided are a system, method, and computer program product for an account-to-account transaction network. The method includes receiving, via a first application programming interface (API), a transaction request for a transaction including a transaction amount, an issuer identifier, and a merchant identifier. The method includes determining an issuer uniform resource locator (URL) based on the issuer identifier, generating an intent identifier associated with the transaction request, and transmitting the issuer URL and the intent identifier via the first API. The method includes transmitting the intent identifier, the transaction amount, and the merchant identifier to an issuer system associated with the issuer identifier via a second API. The method includes, in response to receiving an authenticated consent identifier from the issuer system, determining a merchant account identifier and an issuer account identifier, and transmitting a combined authorization and settlement message to cause settlement for the transaction amount.

公开(公告)号：WO2020150201A1

公开(公告)日：2020-07-23

申请号：PCT/US2020/013455

申请日：2020-01-14

Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION

Inventor： GHOSH, Pamela ,  PRABHAKAR, Rajagopal ,  RAMCHANDANI, Sachin ,  MULANI, Pramod ,  MANOHARAN, Hemanth Kumar

IPC: G06Q20/16 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q20/40

Abstract: A system and computer-implemented method for authenticating digital transactions. The method includes receiving a device registration request and a device attestation response including at least a device integrity status from a device. In response to the device registration request, the method includes providing a device registration response to the device, based on validation of the device integrity status. Further, the method includes receiving a first payment transaction request and an enrolment request from the device via an application to authenticate a second payment transaction request using a first type of authentication technique. Finally, the method includes enrolling the device to the first type of authentication technique and providing a second token to the device based on a result of the first payment transaction request, wherein the second token is used for authenticating the second payment transaction request.

公开(公告)号：WO2020097112A1

公开(公告)日：2020-05-14

申请号：PCT/US2019/059917

申请日：2019-11-05

Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION

Inventor： MANOHARAN, Hemanth Kumar ,  TELLIS, Melroy Benedict

IPC: H04L12/58

Abstract: Methods and computing systems are disclosed for a digital assistant platform that includes a cross-platform bot that can be used to bridge existing chat-bot platforms. The cross-platform bot would have its own single set of protocols and standards, such that a developer of a task-specific bot would only need to integrate with the cross-platform bot to enable its use across all the different chat-bot platforms. The cross-platform bot would enable the task-specific bots to coordinate to combine their functionality, while end users may continue using an existing chat-bot platform of their choice.