Visa International Service Association

Other

Visa U.s.a. Inc.

David William Wilson

Christian Aabye

Hao Ngo

Kiushan Pirzadeh

Gustavo Mariath Zeiden

Chris Pitchford

Guido Mangiagalli

Sayeed Mohammed

Olivier Brand

Joseph J Mirizzi

Lauren White

Omar Rifaat

Michael Lindelsee

Glenn Leon Powell

Mark Allen Nelsen

Alan Johnson

Anjana Surin

Ramesh Shankar

Phillip Lavender

Neil Hilton

Andrew Whitcombe

David Petch

Mike Lindelsee

Steven Anthony Raw

John Francis Benedict Bourdillon

Katharina Fuhrmann

William Robertson Cunningham Erskine

Kristian Terah Gough

Andy Terah Gough

Stephanie Zachariae

Nathan Erskine

Cindy Finnie

David Harbige

Brian Sullivan

An authentication request message from a user conducting an interaction at a resource provider computer is received. It is determined that data representing an indication that the resource provider is trusted by the user and including a trusted marker is present in a database. Authentication to the user is provided, and information indicating that the user has been authenticated and the trusted marker are sent so that authorization request message for the interaction that includes the trusted marker is generated. The trusted marker is validated, and the authorization request message including information related to the interaction and the validated trusted marker is sent to an authorizing entity computer.

Efficient and secure authentication system

A method and system for provisioning credentials is disclosed. The method includes receiving, by a token provider computer, a token request message from a token requestor computer that comprises an initial access identifier. The token provider computer transmits the initial access identifier to a first authorization computer, and then the token provider computer receives an intermediate access identifier. The token provider computer then transmits a token activation request message to a second authorization computer based at least in part on the intermediate access identifier. The token provider computer then receives a token activation response message from the second authorization computer. The token provider computer then provides the token to the token requestor computer.

Method and system for token provisioning and processing

A system, apparatus, and method for processing payment transactions that are conducted using a mobile payment device that includes a contactless element, such as an integrated circuit chip. The invention enables one or more of the operations of activation of a payment application, transfer of transaction data, updating of account records, setting or re-setting of a payment application counter or register, or transfer or processing of a script, command, or instruction, with these functions being performed with minimal impact on a consumer. This is accomplished by introducing a pre-tap and/or two-tap operation prior to, or as part of, the transaction flow.

Method of performing transactions with contactless payment devices using pre-tap and two-tap operations

A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. The invention enables the updating, correction or synchronization of transaction data maintained by an Issuer with that stored on the device. This is accomplished by using a wireless (cellular) network as a data communication channel for data provided by an Issuer to the mobile device, and is particularly advantageous in circumstances in which the contactless element is not presently capable of communication with a device reader or point of sale terminal that uses a near field communications mechanism. Data transferred between the mobile device and Issuer may be encrypted and decrypted to provide additional security and protect the data from being accessed by other users or applications. If encryption keys are used for the encryption and decryption processes, they may be distributed by a key distribution server or other suitable entity to a mobile gateway which participates in the data encryption and decryption operations.

Over the air update of payment transaction data stored in secure memory

A system and method of establishing a resource provider as a trusted listing are disclosed. The method includes receiving, by a directory server computer, an indication from a user that a resource provider is trusted. The directory server computer is programmed to provide a first level of authentication. The method then includes storing, in a database, data representing the indication from the user that the resource provider is trusted. The method then includes receiving an authentication request message from the user conducting an interaction at the resource provider computer and determining that the data representing the indication from the user that the resource provider is trusted is present. In response to determining, the method includes providing a second level of authentication to the user before the user is allowed to complete the interaction. The second level of authentication is lower than the first level.

Systems, apparatuses, and methods for performing transactions through mobile communication devices using either telecommunications networks or proximity near-field communications systems are disclosed. A mobile communication device may display an application authentication element. The application authentication element may include a pre-selected authentication element and transaction data associated with a transaction conducted by a mobile communication device. The mobile communication device may obtain the pre-selected authentication element by either transmitting a request to a server computer or retrieving the pre-selected authentication element from a secure memory in the mobile communication device. A user authentication token may be received by the mobile communication device from the user. The mobile communication device may generate a secret token that is derived from the user authentication token. If the secret token is correlated to a secret reference token, then a transaction may be conducted.

Authentication using application authentication element

A portable consumer device may have money stored therein, which can be calculated using an accumulator record and an exception record. The accumulator record can be incremented by the amount of any initiated transaction using the portable consumer device. The exception record can be incremented by the amount of any completed transaction using the portable consumer device. The portable consumer device may also have a limit amount, to record the amount of money added. The records allow for a later reconstruction of the device history, and can account for any errors or problems during transactions.

Prepaid chip card exception processing

Devices, systems, and methods for controlling a contactless interface on a dual interface portable device are provided. The methods allow for contactless enablement and disablement on both a temporary and semi-permanent basis, dependent on commands sent to the device by an issuer of the portable device. The commands are received through a terminal device and are transferred to the portable device during a contact transaction. Configuration data on the portable device is modified according to the received commands. An application on the portable device controls the transmission of data through the contactless interface dependent on the configuration data.

Contactless enablement and disablement

Systems, apparatus, and methods for managing an application installed on a mobile device, such as a mobile phone are provided, so as to prevent or limit unauthorized use of the application, for example, when the mobile device is lost, stolen, or otherwise subject to unauthorized use. A request to enable or disable user access to a function of the application can be received by a server computer. A command message responsive to the request can be generated by the server computer, the command message comprising control data for enabling or disabling user access to the function of the application. The generated command message can be transmitted to the mobile device over a wireless network.

Over the air management of payment application installed in mobile device

A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. An account holder is enabled to generate transaction related data and append that data to a transaction record or transaction identifier. The appended data and transaction record or identifier may be stored in the mobile payment device and/or provided to an Issuer. If provided to an Issuer, the transaction related data generated by the account holder may be used to supplement an account statement. The additional information generated by the account holder may be used to assist the account holder in determining if a transaction is valid by providing information that helps the account holder to recall the location or other aspect of the transaction.

Recordation of electronic payment transaction information

A microwave guide suitable for carrying microwaves between an object that is vibrating that is connected to a first end of the guide and an object connected to the other end of the guide that is to be protected from transmitted vibrations, the guide providing a restricted path for the transmission of vibrations. In one embodiment, the guide has a flexible mesh part having an inner surface which has high electric conductivity and is provided with a plurality openings. The openings may be sufficiently small such that microwave radiation is unable to pass through the opening. The guide may also include a support structure which extends along the length of the guide. The support structure may have a low dielectric loss tangent and may be sufficiently rigid to provide support to the mesh part.

Microwave guide

Growing community of inventors

Camberley, United Kingdom

David William Wilson