Visa International Service Association

Igor V Karpenko

Glenn Leon Powell

Kiushan Pirzadeh

John F Sheets

Christian Aabye

Erick Wong

Oleg Makhotin

Frederick Liu

Ayman A Hammad

Yu Gu

Peter A Walker

Abhinav Shrivastava

Miroslav Gavrilov

Kim R Wagner

Prakash Hariramani

Mark Andrew Carlson

Patrick L Faith

Hao Yang

Theodore David Harris

Thomas Purves

Saurav Chatterjee

Phillip Kumnick

Diane C Salmon

Michael Kenji Mori

Edward Katzin

Stacy Sweeney Pourfallah

Julian Hua

Peter Ciurea

Tenni Theurer

Shipra Jha

Shaw Li

Yinhe Cheng

Jennifer A Schulz

Robert Brian Christensen

Ranglin Lu

Gregory Kenneth Storey

Andrew Beck

Sebastian Badea

Susan French

Vanita Pandey

Subir Roy

Amit Bhargava

Biswajit Das

Ben Pfisterer

Victoria Graham

Glen Powell

Sanjay Dattatreya Sankolli

Uzma Makhdumi

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

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 comprising a server computer receiving a payment request including encrypted payment information. The encrypted payment information being generated by a mobile payment application of the mobile device and being encrypted using a third party key. The method further comprises decrypting the encrypted payment information using the third party key, determining a transaction processor public key associated with the payment information, and re-encrypting the payment information using the transaction processor public key. The method further comprises sending a payment response including the re-encrypted payment information to a transaction processor. The transaction processor decrypts the re-encrypted payment information using a transaction processor private key and initiates a payment transaction.

Secure remote payment transaction processing

A method for dynamically assigning an inference request is disclosed. A method for dynamically assigning an inference request may include determining at least one model to process an inference request on a plurality of computing platforms, the plurality of computing platforms including at least one Central Processing Unit (CPU) and at least one Graphics Processing Unit (GPU), obtaining, with at least one processor, profile information of the at least one model, the profile information including measured characteristics of the at least one model, dynamically determining a selected computing platform from between the at least one CPU and the at least one GPU for responding to the inference request based on an optimized objective associated with a status of the computing platform and the profile information, and routing, with at least one processor, the inference request to the selected computing platform. A system and computer program product are also disclosed.

Method, system, and computer program product for dynamically assigning an inference request to a CPU or GPU

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

A method, system, and computer program product for dynamically scheduling machine learning inference jobs receive or determine a plurality of performance profiles associated with a plurality of system resources, wherein each performance profile is associated with a machine learning model; receive a request for system resources for an inference job associated with the machine learning model; determine a system resource of the plurality of system resources for processing the inference job associated with the machine learning model based on the plurality of performance profiles and a quality of service requirement associated with the inference job; assign the system resource to the inference job for processing the inference job; receive result data associated with processing of the inference job with the system resource; and update based on the result data, a performance profile of the plurality of the performance profiles associated with the system resource and the machine learning model.

Method, system, and computer program product for dynamically scheduling machine learning inference jobs with different quality of services on a shared infrastructure

Embodiments of the present invention are directed at methods and systems for providing a partial personalization process. For example, personalization profiles associated with multiple versions of the application may be stored at a provisioning system and the provisioning system may determine the appropriate partial provisioning information to update the application for each migration notification. Partial personalization information that is to be updated for the updated version of the application may be generated and installed to enable new functionality and/or update the information contained within an updated application without requiring re-personalization of all personalized information.

Methods and systems for partial personalization during application update

The SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS ('SNAP') transform real-time-generated merchant-product Quick Response codes via SNAP components into virtual wallet card-based transaction purchase notifications. In one embodiment, the SNAP obtains a snapshot of a QR code presented on a display screen of a point-of-sale device from a mobile device. The SNAP decodes the QR code to obtain product information included in a checkout request of the user, and merchant information for processing a user purchase transaction with a merchant providing the QR code. The SNAP accesses a user virtual wallet to obtain user account information to process the user purchase transaction with the merchant. Using the product information, merchant information and user account information, the SNAP generates a card authorization request, and which the SNAP provides to a payment network for transaction processing. Also, the SNAP obtains a purchase receipt confirming processing of the user purchase transaction.

Snap mobile payment apparatuses, methods and systems

The UNIVERSAL ELECTRONIC PAYMENT APPARATUSES, METHODS AND SYSTEMS ('UEP') transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.

Universal electronic payment apparatuses, methods and systems

Embodiments of the present invention are directed at methods and systems for providing a partial personalization process that allows for more efficient and effective personalization of a application on a communication device. For example, personalization profiles associated with multiple versions of the application may be stored at a provisioning system and the provisioning system may determine the appropriate partial provisioning information to update the application for each migration notification. Partial personalization information that is to be updated for the updated version of the application may be generated and installed to enable new functionality and/or update the information contained within an updated application without requiring re-personalization of all personalized information.

Growing community of inventors

Mountain View, CA, United States of America

Igor V Karpenko