Visa International Service Association

Matthew Ward-Steinman

Avinash Kalgi

Qian Wang

Keith Bailey

Methods and systems for verifying whether a submission of a request is likely from a human user or an automated program are described. A request may be received from a user device. A human challenge-response test adapted for displaying on the user device is displayed on the user device. Upon viewing the human challenge-response test, the user enters the user's solution to the human challenge-response test on the user device. A response hash value is created based on the user's solution. The response hash value is sent to a computing device for verification.

Mobile human challenge-response test

Embodiments of the invention are directed to systems and methods for allowing a single representation of a trigger for payment across different environments using machine readable codes. A machine readable code may be encoded with a URL and information about a product to which the machine readable code is attached. A first electronic device may be able to scan and decode the machine readable code into first recognizable product information using a complaint application. The compliant application may populate a first form on the first electronic device for a first transaction with the recognizable product information without having to access a server. A non-compliant application on a second electronic device will launch a browser using the URL and provide the unrecognizable product information to the server for decoding. The server will decode the unrecognizable product information into a second recognizable product information that may be used to populate a second form for a second transaction.

Dual encoding of machine readable code for automatic scan-initiated purchase or uniform resource locator checkout

Methods and systems for verifying whether a user requesting an online account is likely a human or an automated program are described. A request for an online account may be received from a mobile device. A human challenge-response test adapted for displaying on a mobile device is displayed on the mobile device. Upon viewing the human challenge-response test, the user enters the user's solution to the human challenge-response test on the mobile device. A response hash value is created based on the user's solution. The response hash value is sent to an account request server for verification.

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Seattle, WA, United States of America

Matthew Ward-Steinman