Visa International Service Association

Abhishek Guglani

Sanjeev Sharma

Christian Aabye

John F Sheets

Erick Wong

Hao Ngo

Oleg Makhotin

Christian Flurscheim

Eduardo Lopez

Christopher David Jones

Bharatkumar Patel

Tai Lung Burnnet Or

Jarkko Oskari Sevanto

Upendra S Mardikar

Jalpesh Chitalia

Minghua Xu

Brijendra Singh

Jose Luis Rios Trevino

Gerald Destremps

Margaret Szeto

Sang Wook Lee

Prerak Diwakar Trivedi

Narasha Patmastana

Helen Jordan

Cynthia Medranda

Michael Ordoyne

Kristopher Sauriol

Christopher Jones

Systems and methods provide for communication of transaction data that is formatted according to a transaction type that is support by an access device. First transaction data may be formatted according to a first type of transaction supported by a first access device and second transaction data may be formatted according to a second type of transaction supported by a second access device. The first transaction data may be transmitted over a first communication link to the first access device and the second transaction data may be transmitted to the second access over a second communication link.

Cloud-based transactions methods and systems

Techniques for enhancing the security of a communication device when conducting a transaction using the communication device may include receiving a cryptogram generation key replenishment request that includes transaction log information derived from transaction data stored in a transaction log on a communication device, verifying that the transaction log information in the replenishment request is consistent with the previously received transaction information, and providing a new cryptogram generation key to the communication device in response to verifying the transaction log information in the replenishment request.

Embodiments of the invention are directed to methods, systems and devices for providing sensitive user data to a mobile device using an encryption key. For example, a mobile application on a mobile device may receive encrypted sensitive user data from a mobile application server, where the user sensitive data is encrypted with a key from a token server computer. The mobile application may then request that the encrypted payment information be sent to the token server. The mobile device may then receive a payment token associated with the payment information from the token server.

Remote server encrypted data provisioning system and methods

Systems and methods provide for communication of transaction data that is formatted according to a transaction type that is support by an access device. First transaction data may be formatted according to a first type of transaction supported by a first access device and second transaction data may be formatted according to a second type of transaction supported by a second access device. The first transaction data may be transmitted over a first wireless communication link to the first access device and the second transaction data may be transmitted to the second access over a second wireless communication link.

Techniques for enhancing the security of a communication device when conducting a transaction using the communication device may include using a limited-use key (LUK) to generate a transaction cryptogram, and sending a token instead of a real account identifier and the transaction cryptogram to an access device to conduct the transaction. The LUK may be associated with a set of one or more limited-use thresholds that limits usage of the LUK, and the transaction can be authorized based on at least whether usage of the LUK has exceeded the set of one or more limited-use thresholds.

Display screen or portion thereof with animated graphical user interface

Growing community of inventors

San Mateo, CA, United States of America

Abhishek Guglani