Visa International Service Association

Authorize.net LLC

Avinash Kalgi

Qian Wang

John Medlong

Paul Lisagor

Matthew Ward-Steinman

Jim Collins

Adam Conway

Keith Bailey

Galina Skoptsova

Mark Cordell

Systems, apparatuses, and methods are provided for conducting encrypted payment transactions. In some embodiments, a payment device may send account credentials for a digital wallet to a wallet provider computer, and receive encrypted payment data from the wallet provider computer in response. The payment device may then send a request to initiate a transaction to a transaction processor computer (e.g., a merchant computer or a merchant processor computer), the request to initiate the transaction including the encrypted payment data. The transaction processor computer can then decrypt the encrypted payment data and conduct the transaction.

Encrypted payment transactions

The ELECTRONIC WALLET CHECKOUT PLATFORM APPARATUSES, METHODS AND SYSTEMS ('EWCP') transform customer purchase requests triggering electronic wallet applications via EWCP components into electronic purchase confirmation and receipts. In one implementation, the EWCP receives a merchant payment request, and determines a payment protocol handler associated with the merchant payment request. The EWCP instantiates a wallet application via the payment protocol handler. The EWCP obtains a payment method selection via the wallet application, wherein the selected payment method is one of a credit card, a debit card, a gift card selected from an electronic wallet, and sends a transaction execution request for a transaction associated with the merchant payment request. Also, the EWCP receives a purchase response to the transaction execution request, and outputs purchase response information derived from the received purchase response.

Electronic wallet checkout platform apparatuses, methods and systems

Systems and methods are provided for merchant mobile acceptance of user device data. For example, a method comprises receiving encrypted user device data and reader metadata from a merchant mobile device, determining a device reader API and device reader encryption scheme using the device reader metadata, parsing the encrypted user device data using the device reader API to determine encrypted personal information, and decrypting the encrypted personal information using the reader encryption scheme.

Systems and methods for merchant mobile acceptance

The solution herein describes a software module that works in combination with certain hardware (e.g., a particular chipset) to obtain the level of security provided by an HSM. The software module can be implemented on a commodity server. The software module can utilize an HSM or key custodian to obtain cryptographic keys. The cryptographic keys may be stored on the commodity server within a secure memory space managed by the commodity server's chip set. While stored, access to the cryptographic keys may be managed by the chip set. The chip set can ensure that only protected applications associated with the cryptographic keys may access said keys.

Cryptographic services utilizing commodity hardware

The HYBRID APPLICATIONS UTILIZING DISTRIBUTED MODELS AND VIEWS APPARATUSES, METHODS AND SYSTEMS ('HAP') transform hybrid application user inputs using HAP components into web-view secured data populated application views. In some implementations, the disclosure provides a processor-implemented method of providing distributed model views utilizing a hybrid application environment.

Hybrid applications utilizing distributed models and views apparatuses, methods and systems

Methods and systems for verifying whether a submission of a request is likely from a human user or an automated program are described. A request may be received from a user device. A human challenge-response test adapted for displaying on the user device is displayed on the user device. Upon viewing the human challenge-response test, the user enters the user's solution to the human challenge-response test on the user device. A response hash value is created based on the user's solution. The response hash value is sent to a computing device for verification.

Mobile human challenge-response test

Embodiments of the invention are directed to systems and methods for allowing a single representation of a trigger for payment across different environments using machine readable codes. A machine readable code may be encoded with a URL and information about a product to which the machine readable code is attached. A first electronic device may be able to scan and decode the machine readable code into first recognizable product information using a complaint application. The compliant application may populate a first form on the first electronic device for a first transaction with the recognizable product information without having to access a server. A non-compliant application on a second electronic device will launch a browser using the URL and provide the unrecognizable product information to the server for decoding. The server will decode the unrecognizable product information into a second recognizable product information that may be used to populate a second form for a second transaction.

Dual encoding of machine readable code for automatic scan-initiated purchase or uniform resource locator checkout

The Hybrid Applications Utilizing Distributed Models And Views Apparatuses, Methods And Systems ('HAP') transform hybrid application user inputs using HAP components into web-view secured data populated application views. In some implementations, the disclosure provides a processor-implemented method of providing distributed model views utilizing a hybrid application environment.

Systems, apparatuses and methods for preventing requests to access a system's resources from having a negative impact on higher priority data processing operations being performed by the system. The invention is directed to preventing the number of calls made by a merchant's applications through an application programming interface (API) for access to the lower priority services of a merchant service provider from having a negative impact on the ability of the service provider to perform the processing necessary to support higher priority services. The invention provides a user interface that may be used by a merchant or the service provider to configure the operation of a 'throttle' that is designed to generate an alert when the number of calls by a merchant application for access to a specific service provider function or application exceeds a value or limit, where exceeding the value or limit may indicate a malfunction of the merchant's application or an attack by a malicious agent.

Growing community of inventors

Kirkland, WA, United States of America

Avinash Kalgi