Visa International Service Association

Visa U.s.a. Inc.

Other

Emv Co. LLC

Jagdeep Singh Sahota

Christian Aabye

Trudy Hill

Carole Oppenlander

Kim R Wagner

William Chi Yuen Chan

Anita Ochieano

Craig Allen Glendenning

Ayman A Hammad

Patrick L Faith

Simon Hurry

Gavin Shenker

Thanigaivel Ashwin Raj

Forough Kashef

Patrik Smets

Eddy Lodewijk Hortensia Van De Velde

Lance Weber

Shiv Bhatt

Weiyi Zhou

Veni Singh

Kiran Zaveri

Systems and techniques for increasing the efficiency of a process of providing a resource by a resource provider are disclosed. In one example, a method detects a presence of a vehicle at a fuel dispenser, transmits an authorization request message automatically in response to detecting the presence of the vehicle, and automatically allows the fuel dispenser to dispense fuel to the vehicle.

Efficient resource provider system

Methods and systems for dynamically generating a verification value for a transaction and for utilizing such value to verify the authenticity of the payment service application. The dynamically created verification value may be generated on a payment device, such as an integrated circuit credit card or smart card, embedded into the payment data, and transmitted to a point of sale terminal. Alternatively, payment data is sent by a payment device to a point of sale terminal, which generates a verification value and embeds it into the payment data. The embedded verification value is used by a service provider to verify the authenticity of the transaction. The methods and systems may be used in a contactless (wireless) environment or a non-wireless environment.

Payment service authentication for a transaction using a generated dynamic verification value

Described are systems and methods for generating and displaying ratings for points of interest in a region. A method for generating ratings includes receiving transaction data from a plurality of points of interest, the transaction data representing financial transactions between a plurality of individuals and each point of interest of the plurality of points of interest. A method also includes automatically generating, for each point of interest of the plurality of points of interest, at least one point of interest rating based at least partially on the transaction data for the point of interest. A method further includes, in response to a selection of a chosen point of interest of the plurality of points of interest, providing to at least one user the at least one point of interest rating associated with the chosen point of interest.

System and method for generating and displaying ratings for points of interest

Methods, devices, and systems are described for sending and receiving messages between a terminal reader and a payment device, such as a credit card. A dynamic signature is calculated on the payment device from an application transaction counter, a terminal unpredictable number, and a transaction amount, and it is sent with an application the locator (AFL) to the reader. The reader then sends a read record command to the payment device to get records associated with the AFL, among other normal processing. While the normal processing is occurring for the transaction, the dynamic signature can be recalculated and compared with that from the payment device in order to assure that nothing has surreptitiously changed the values in the messages.

Device, system and method for reducing an interaction time for a contactless transaction

Methods, devices, and systems are described for sending and receiving messages between a terminal reader and a payment device, such as a credit card. A dynamic signature is calculated on the payment device from an application transaction counter, a terminal unpredictable number, and a transaction amount, and it is sent with an application file locator (AFL) to the reader. The reader then sends a read record command to the payment device to get records associated with the AFL, among other normal processing. While the normal processing is occurring for the transaction, the dynamic signature can be recalculated and compared with that from the payment device in order to assure that nothing has surreptitiously changed the values in the messages.

A method comprising, at a reader, performing at least one transaction-based risk management process prior to energizing a contactless interface, initiating communication with a card utilized for a contactless transaction, receiving information associated with the card, terminating communication with the card, and authorizing the contactless transaction.

A method. The method comprises, at a reader, performing at least one transaction-based risk management process prior to energizing a contactless interface, initiating communication with a card utilized for the contactless transaction, receiving information associated with the card, and terminating communication with the card to authorizing the contactless transaction.

A method is disclosed. The method includes generating a verification value in response to a transaction involving a portable consumer device, where the verification value is generated using a first dynamic data element and a second dynamic data element. The verification value is sent to a service provider associated with the portable consumer device so that the service provider can verify the transaction.

Method and system for generating a dynamic verification value

A system and method for managing one or more applications deployed on a mobile electronic device, such as a cellular phone, are disclosed. The system and method enable the user of a mobile electronic device to select one of a plurality of applications deployed on the mobile electronic device for use in a transaction and to authenticate himself or herself prior to initiating the transaction. The transaction may occur via a wireless interface and/or a contact-based interface. In addition, the system and method allow the user to manage applications deployed on a mobile electronic device, including adding new applications, designating nicknames for the applications and setting security codes for each application.

System and method for managing electronic data transfer applications

A method of performing a transaction over a contactless interface placing a first device in wireless communication with a second device, selecting the interface over which the first and second device will communicate, selecting the application to be used to approve or disapprove the transaction, communicating to the second device the data necessary for the application to approve of disapprove the transaction.

Growing community of inventors

Rodeo, CA, United States of America

Jagdeep Singh Sahota