Visa International Service Association

Erik Christopher Friend

Michael Steven Bankston

Jerry Wald

Victor Zhiltsov

Yuexi Chen

Quan Wang

Jason Blackhurst

Nicholas Vondrak

Described herein are a system and techniques for conducting transactions upon receiving a biometric sample from a user. In some embodiments, a security device obtains a biometric sample from a user. The security device then provides the biometric sample, or a biometric template derived therefrom, to a service provider, which is able to identify and authenticate the user based on the biometric sample. The service provider then obtains access credential and/or supplemental information for the user and provides it to the security device. The security device is then capable of completing a transaction using the received access credential data. In some embodiments, this may involve generating a cryptogram to be used in the transaction.

Tokenized contactless transaction enabled by cloud biometric identification and authentication

A system and method are provided which include receiving, from a first application on a user device, an indication that a user has been authenticated and receiving, from a second application on the user device, an indication that the user is detected. The user device receives the indication that the user is detected from a wearable device on the user. Based on receiving the two indications within a time period, a trust token is generated or maintained for the user.

Trust tokens for resource access

Disclosed are methods and systems for enabling an assertion to be provided to a relying entity that is associated with a discount or digital coupon for an item in a transaction. The assertion may indicate an interaction by a user device with a digital indicator associated with the item and/or a resource provider offering the item. The assertion may be associated with a user and redeemed at a later time to apply a discount for an item involved in a transaction. The assertion may indicate an interaction with a digital indicator at one location for an item and redeemed at another location, including an online transaction, for the same item.

Digital ticket system and method

Methods and systems disclosed herein related to analyzing the risk of an identity-based transaction and offering the identity-based transaction to a risk exchange. An identity-based transaction may be a transaction that is initiated with a digital identity, and an assertions model manager may provide assertions about the digital identity for completing the identity-based transaction. The assertions model manager may use the assertions and information about the identity-based transaction to analyze transaction risk. A risk score for the identity-based transaction can be calculated, and then the identity-based transaction may be offered on a risk exchange.

Identity-based transaction processing

A system and method are provided which include receiving, by a server computer from a trusted entity computer, user data corresponding to a user. Based on the user data, the server computer determines a set of assertions for the user. The server computer receives, from a relying entity, an assertion request for the user. Responsive to the assertion request, the server computer provides, to the relying entity, an assertion, of the set of assertions. The relying entity thereby grants the user a particular type of account based on the assertion.

Graduated accounts using assertions

Methods and systems disclosed herein relate to providing a receiving entity with a package of assertions. A package of assertions may include a group of yes or no statements (e.g., as an answer to a question). Alternatively, or additionally, a package of assertions may comprise a clustered assertion, which is a singular yes or no statement, that is itself based on a set of underlying assertions made using information from one or more sources. A particular type of package of assertions may be selected based on the relying entity requesting the assertions, based on an assertions model. The package of assertions may be cryptographically secured.

Providing assertions regarding entities

Methods and systems for processing interactions with account assertions are disclosed. A method includes receiving, by an assertions model manager, a first request from a resource provider computer for a set of assertions including an account assertion, related to a digital identity of a user. The method then includes responding, by the assertions model manager, to the first request with a response message, comprising a set of assertions, wherein one of the plurality of assertions is an account assertion. Then the method includes receiving, by the assertions model manager, a second request from the resource provider for a value interaction from the user and initiating, by the assertions model manager, the value interaction.

Account assertion

Disclosed are methods and systems for enabling a package of assertions to be provided to a relying entity seeking to interact with an account. A server computer may receive, from a relying entity, a request for assertions, wherein the request for assertions includes an identifier of the relying entity and a hash of an identifier of an account. The server computer may determine an assertions model based on the identifier of the relying entity. The server computer may retrieve a package of assertions associated with the account based on the assertions model and the hash of the identifier of the account. The server computer may transmit the package of assertions to the relying entity.

Privacy-preserving assertion system and method

Described herein are systems and methods in which resource-related content is provided to a number of mobile devices. In some embodiments, as a content provider streams a media presentation or a live real-world event occurs, it may also provide an indication of a resource to a content distribution hub. Upon receiving that indication of the resource, the content distribution hub may identify and/or generate resource-related content relevant to the indicated resource. The resource-related content may then be distributed to a number of subscriber devices according to subscription data maintained by the content distribution hub. In some embodiments, the content hub is also configured to initiate transactions related to the resources.

Growing community of inventors

Mountain View, CA, United States of America

Erik Christopher Friend