Visa Europe Limited

Malcolm Lewis

Boris Taratine

Matthew Johnson

Embodiments of the present disclosure comprise methods, apparatus and computer readable instructions for establishing a relationship between user accounts. A first account association request message in relation to a first user account in an account based system is received. A first source account identifier which corresponds to the first user account and a first target account identifier which corresponds to the second user account are identified. A second account association request message in relation to the second user account is received. Based on the second account association request message, a second source account identifier which corresponds to the second user account and a second target account identifier which corresponds to the first user account are identified. Responsive to a determination of whether the source account identifiers and target account identifiers relate to the same user account, a relationship is established between the first user account and the second user account.

Account association systems and methods

Measures, including methods, apparatus and computer software are provided for processing electronic tokens. An authorization request is received in relation to processing of an electronic token. An identifier for a user terminal associated with the electronic token, and an account, are determined on the basis of the authorization request. In some arrangements, a location query for the user terminal is performed on the basis of the determined identifier, whereby to determine a location of the user terminal on the basis of a proximity of the user terminal to one or more base stations in a cellular telecommunications network. In some arrangements, a challenge message is sent to the user terminal, to establish a confidence that the transacting user terminal is the designated user terminal. Processing of the electronic token in relation to the account is selectively authorized on the basis of the result of the location query or challenge response.

Processing electronic tokens

Methods, systems, apparatus and computer programs for enabling access to data by a requesting party. A plurality of sets of data are generated. A one one-way function is then used to generate a plurality of keys each associated with a respective one of the plurality of sets. Information associated with the data in a given set is used as an input to the one-way function when generating the key for that set. The keys are distributed to requesting parties. Subsequently, a requesting party may make a data access request using the received key. Upon receipt of a key, access may be enabled to the data. The requesting party may then generate validation data from information associated with at least a part of the received data and validating the received data by comparing the validation data to data derived from the received key.

Enabling access to data

Embodiments of the present disclosure comprise methods, apparatus and computer readable instructions for establishing a relationship between user accounts. An account association request message in relation in relation to a first user account and a second user account is received. The account identifier for the first user account and the account identifier for the second user account is determined based on the account association request message. A profile information message is transmitted on the basis of the account identifier for the second user account and in response, a profile information response message is received. A relationship between the first user account and the second user account is established least in response to receipt of the profile information response message.

Trust is established between a service provider () and a client () of the service provider (). The client () is associated with a party that is known by an identity provider (), and the identity provider () is trusted by the service provider (). The identity provider () contacts () the party () via a predetermined medium, and requests the party to identify itself. The identity provider () determines whether the identity of the identifying party () corresponds to an identity held by the identity provider () for the party and shares a secret () with the identifying party () in the event that the identity provider () has determined that the identity of the identifying party () is the same as said identity held by the identity provider ().

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London, United Kingdom

Malcolm Lewis