Visa International Service Association

Visa U.s.a. Inc.

Samsung Electronics Co., Ltd.

Erick Wong

Oleg Makhotin

Christian Aabye

Christian Flurscheim

John F Sheets

Glenn Leon Powell

Hao Ngo

Gavin Shenker

Igor V Karpenko

Kiushan Pirzadeh

David C Wentker

Eduardo Lopez

William Alexander Thaw

Sanjeev Sharma

Christopher David Jones

Doug Deibert

Trudy Hill

Abhishek Guglani

Bharatkumar Patel

Jarkko Oskari Sevanto

Tai Lung Burnnet Or

Oleg Makarenko

Dinah Sloan

Dave Wentker

Douglas Deibert

Michael Middlemas

Jalpesh Chitalia

Ansar Ansari

Frederick Liu

Parveen Bansal

Christopher C Jones

Thomas Bellenger

Sean O'Brien

Julia Wong

Doug Diebert

Christopher Jones

Embodiments of the present invention are directed to methods, apparatuses, computer readable media and systems for securely processing remote transactions. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a mobile device. The method comprises receiving, by a mobile payment application on a secure memory of the mobile device, transaction data from a transaction processor application on the mobile device. The method further comprises validating that the transaction processor application is authentic and in response to validating the transaction processor application, providing encrypted payment credentials to the transaction processor application. The transaction processor application further initiates a payment transaction with a transaction processor server computer using the encrypted payment credentials.

Secure remote payment transaction processing using a secure element

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 using a signature key to generate a signature. The transaction can be an offline data authentication transaction, and access can be granted based on authentication of the signature prior to verifying the transaction cryptogram.

Offline authentication

Systems and methods for facilitating payment transactions using quick-response (QR) codes are provided. A first machine readable code encoding first data generated by an access device is scanned by a communication device. The communication device generates a cryptogram based on the first data encoded within the first machine readable code. The communication device then obtains financial credentials data from a payment application being executed on the communication device. A second machine readable code encoding second data comprising the financial credentials data and the cryptogram is then generated. The second machine readable code is displayed on a display of the communication device, wherein the second machine readable code is scanned by the access device.

Systems and methods for incorporating QR codes

Embodiments of the present invention relate to systems and methods that allow users to use their communication devices to perform transactions (e.g., payment transactions, access transactions, etc.). To complete a transaction, a resource provider electronically generates a code representing transaction data and displays it on an access device. The user scans the code with his or her communication device using a camera associated with the communication device, for example. The code is interpreted by an application on the communication device. The user may request and receive a token at the communication device corresponding to sensitive information selected to perform the transaction (e.g., a primary account number). The user may then provide the token and the transaction data via the communication device to a server computer, which may facilitate completion of the transaction between the user and the resource provider using the transaction data and the token.

Systems and methods for code display and use

A system and method uses one or more repurposed data fields in a payment transaction message to pass the merchant consumable data from a mobile device to the merchant system using an existing channel. The merchant consumable data relate to loyalty or rewards.

Contactless message transmission

Embodiments of the present invention are directed to a centralized trusted service manager system in the form of a trusted service manager interconnectivity service hub, which facilitates and provides communications between entities involved I mobile contactless payment systems. One embodiment is directed to a method for processing a message related to a mobile payment application on a secure element of a mobile communication device through an interconnectivity services hub including receiving the message from a first entity in a first protocol and determining a trusted service manager associated with the secure element from among a plurality of trusted service managers using a routing table comprising routing information. Then the method continues by determining a second protocol corresponding to the trusted service manager associated with the secure element, translating the message into the second protocol, and sending the translated message to the trusted service manager which communicates with the secure element.

Integrated mobile trusted service manager

Embodiments are described that are directed to optimizing the provisioning of payment account credentials to mobile devices utilizing mobile wallets. In some embodiments, one of multiple provisioning schemes may be selectively chosen for payment account credential provisioning based upon a determined risk involved with a particular provisioning request. A low risk provisioning request leads to an immediate provisioning of a payment credential, whereas a provisioning request of high risk results in the provisioning request being denied. In some embodiments, medium risk provisioning requests will cause an additional user authentication to be performed before the payment account provisioning is finalized. The additional user authentication may occur using a separate communication channel than the channel in which the provisioning request was received.

Methods and systems for provisioning mobile devices with payment credentials

An artificial intelligence (AI) method includes generating a first musical interaction behavioral model. The first musical interaction behavioral model causes an interactive electronic device to perform a first set of musical operations and a first set of motional operations. The AI method further includes receiving user inputs received in response to the performance of the first set of musical operations and the first set of motional operations and determining a user learning progression level based on the user inputs. In response to determining that the user learning progression level is above a threshold, the AI method includes generating a second musical interaction behavioral model. The second musical interaction behavioral model causes the interactive electronic device to perform a second set of musical operations and a second set of motional operations. The AI method further includes performing the second set of musical operations and the second set of motional operations.

Learning progression for intelligence based music generation and creation

According to one embodiment of the invention, a subtoken corresponding to a primary token is generated. The primary token corresponds to a credential. The credential may be, for example, a primary account number (PAN) corresponding to a payment account. The subtoken may be a temporary, one-time use subtoken based on a primary token associated with the credential that allows a user to conduct a transaction from his or her account, while still providing security for the user's sensitive data. The subtoken may contain a header and an obfuscated portion. The header of the subtoken routes the subtoken to the entity issuing the subtoken for translation into the primary token. The obfuscated portion acts as a pointer to the primary token and data associated with the primary token. A same check digit may be included in the subtoken, the primary token, and the credential, in order to ensure that the transaction is not improperly denied.

Systems and methods for creating subtokens using primary tokens

A method for managing mobile payments in a mobile phone. The method includes receiving data associated with a plurality of issuer specific payment services at a mobile phone, selecting one of the issuer specific payment services, and conducting a transaction using the phone.

Mobile payment management

Embodiments of the invention relate to systems and methods for efficiently provisioning mobile devices with personalization data. For some embodiments, a method is disclosed comprising receiving a request for provisioning comprising device information for a mobile device and user authentication information for a user, generating a partial personalization script, an activation script, and a deletion script using the device information, sending the partial personalization script, the activation script, and the deletion script to an application provider computer, wherein the application provider computer initiates execution of the partial personalization script on the mobile device, authenticating the user authentication information, and sending an activation message to the application provider computer, wherein the application provider computer initiates execution of the activation script.

Device provisioning using partial personalization scripts

Embodiments of the invention are directed to a centralized trusted service manager system in the form of a trusted service manager interconnectivity service hub, which facilitates and provides communications between entities involved in mobile contactless provisioning and payment systems. One embodiment of the present invention is directed to a method for processing a wallet request from a wallet provider associated with mobile communication device including a secure element through an interconnectivity hub. The method comprises receiving a wallet request in first protocol, determining an issuer associated with the account identifier, and obtaining application data. The method further comprises determining a trusted service manager associated with the secure element from among a plurality of trusted service manager computers using a routing table. Additionally, the method includes determining a second protocol and obtaining a secure element key for completing a request from a secure element trusted service manager using the second protocol.

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Menlo Park, CA, United States of America

Erick Wong