Visa International Service Association

Visa U.s.a. Inc.

Tapcentive, Inc.

Gavin Shenker

David C Wentker

Erick Wong

Brian Sullivan

Doug Deibert

Mike Lindelsee

Gabriel Wachob

Douglas Deibert

Sayeed Mohammed

Ramesh Shankar

Dave Wentker

Richard S Nassar

Clyde Valdez

Jonathan Hill

Christian Aabye

Christopher C Jones

Hao Ngo

Simon Hurry

Jagdeep Singh Sahota

Eduardo Lopez

Thanigaivel Ashwin Raj

Raul Leyva

Phillip Lavender

Gayathri Venkat

Pinesh Roy

Forough Kashef

Kyle Joseph Drechsler

Leila Movahedian

Janardana Sarma

Kenneth Earl Irwin, Jr

Amit Gupta

Jalpesh Chitalia

Carl P Smith

Manoj Kannembath

Doug Diebert

Scott H Shin

Christopher Jones

Systems and methods are provided to enable a user to conduct a transaction using their credentials stored on a secure server computer (e.g., a computer associated with a partner such as another merchant) by merely presenting their authentication data at a physical location via an auxiliary device. An auxiliary device may be provided for interfacing with a partner's backend server (e.g., the secure server computer). In some embodiments, biometric authentication may provide a mechanism for a true seamless and potentially frictionless (in the case of modalities that do not require physical contact) interaction. Payment can occur without any need for a card, phone, wearable, or any other user device as long as the auxiliary device is able to recognize the user and retrieve a credential that can be linked to that user.

Techniques for token proximity transactions

Techniques for managing an application token may include providing, by a first service provider application on a communication device to a first service provider computer, a first request for a first application token, receiving, by an account management application on the communication device from a token service computer in communication with the first service provider computer, the first application token, and storing the first application token in a token container in the account management application.

Token state synchronization

A method includes receiving, by a universal authentication application from a resource provider computer, a user credential verification request message comprising a user identifier, server computer data, and interaction data for an interaction. The universal authentication application transmits the user credential verification request message to a browser that invokes the authenticator to verify biometric information of a user. The universal authentication application receives a user credential verification response message from the authenticator. The user credential verification response message includes signed interaction data. The universal authentication application sends the user credential verification response message to the resource provider computer. The resource provider computer provides at least the signed interaction data to a plurality of server computers to retrieve a plurality of portable device credentials respectively associated with the plurality of server computers.

Use of web authentication to enhance security of secure remote platform systems

Systems and methods are provided to enable a user to conduct a transaction using their credentials stored on a secure server computer (e.g., a computer associated with a partner such as another merchant) by merely presenting their authentication data at a physical location via an auxiliary device. An auxiliary device may be provided for interfacing with a partners backend server (e.g., the secure server computer). In some embodiments, biometric authentication may provide a mechanism for a true seamless and potentially frictionless (in the case of modalities that do not require physical contact) interaction. Payment can occur without any need for a card, phone, wearable, or any other user device as long as the auxiliary device is able to recognize the user and retrieve a credential that can be linked to that user.

A method is disclosed. The method includes receiving, by a user device from an access device, an available applications request message. The available applications request message includes an access device type identifier. The method also includes determining whether an association exists between the access device type identifier and one or more application identifiers of a plurality of application identifiers stored on the user device. The plurality of application identifiers respectively correspond to different applications on the user device. The method also includes transmitting, by the user device, to the access device, based in part on whether the association exists, an available applications response. The available applications response includes the one or more application identifiers of the plurality of application identifiers associated with the access device type identifier.

Terminal type identification in interaction processing

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

A mobile device with a disabling feature is disclosed. The method includes activating a mobile device having a timeout feature to disable a function of the mobile device after a set period of time. The period of time may be chosen by a user of the mobile device.

Mobile device with disabling feature

A plurality of virtual instant tickets are loaded onto a memory of a microprocessor that is physically provided to the consumer. The consumer is physically given a small object, such as a bank card or hotel room key card that has the microprocessor embedded therein. The memory of the microprocessor includes a validation number of each virtual instant ticket, and the winning or losing outcome of each virtual instant ticket and the value of any winning outcome. A purchase is made to unlock a portion of the virtual instant tickets, thereby allowing that portion of tickets to be played. The consumer uses a computing device that interacts with the microprocessor to play the tickets and informs the consumer of the outcome. Additional virtual instant tickets may be unlocked with subsequent purchases. The memory of the microprocessor is updated to indicate the one or more virtual instant tickets that were successfully played.

System and method for allowing a consumer to play a plurality of virtual instant tickets that are loaded into a microprocessor and that is physically provided to the consumer

Coupons are electronically delivered by a coupon generating subsystem to a plurality of mobile devices via gaming sessions experienced on the mobile devices. A memory of the coupon generating subsystem stores a set of rules associated with delivery of the coupons from the coupon generating subsystem to the mobile devices, wherein the set of rules include a payout table that determines the value of coupons that are delivered. A gaming session is initiated on one of the mobile devices when the mobile device is within a broadcast range of the coupon generating subsystem. The gaming session uses a random number generator and a central processing unit of the coupon generating subsystem to generate a result for the game of chance using the payout table in the memory. The result determines the value of a coupon to be electronically delivered via the coupon generating subsystem to the mobile device.

Distributed generation of a coupon using a game of chance, a random number generator and a payout table to determine the value of the coupon

A method associated with a contactless phone. The method includes sending a balance inquiry response message to a mobile phone. The mobile phone includes a contactless element that is configured to communicate with a contactless reader in a point of sale terminal. The account balance inquiry response message provides an account balance for an account associated with the mobile phone. The mobile phone is operated by a consumer. The method also includes sending a transaction alert message to the mobile phone, where the transaction alert message informs the consumer that a transaction has occurred using the account. The method also includes sending an offer message to the mobile phone, where the offer message provides a benefit to the consumer if the consumer uses the mobile phone to conduct a predetermined transaction.

Contactless transaction

A method and system for payments for mobile phone payments with a disabling feature is disclosed. The method includes activating a mobile phone containing contactless payment systems, and having a timeout feature disable the contactless payment systems after a set period of time.

Growing community of inventors

Los Angeles, CA, United States of America

Gavin Shenker