Visa International Service Association

Parveen Bansal

Aparna Krishnan Girish

Erick Wong

Jalpesh Chitalia

Simon Law

William Alexander Thaw

Ansar Ansari

Thomas Bellenger

Mohamed Nosseir

Madhuri Chandoor

Gueorgui Petkov

Expedited E-Commerce Tokenization alleviates the above mentioned concerns associated with cards for merchants as well as PSPs using tokens by establishing E-Commerce browser standards around tokenization for merchants and PSPs through a standard manner of requesting customer data in an encrypted manner following a standard.

Expedited E-Commerce tokenization

A direct payment token generation method provides executable codes to a client device. The executable codes invokes functionalities in a browser application. The set of executable codes further provides login prompts to the user for logging to a virtual wallet account. The method provides a list of products for purchase from merchants in response to a successful login to the virtual wallet account. A graphical element is provided for purchasing one provided product from one of the merchants. In response to receiving a selection of the provided graphical element confirming the purchase, a payment token is generated for the virtual wallet account. The received selection includes confirming detailed information of the purchase. The payment token is transmitted to the client device and is embedded in a payment payload with the detailed information of the purchase. The payment load is transmitted to the one of the merchants to complete the purchase.

Browser extension for client-side tokenized authentication

Expedited E-Commerce Tokenization alleviates concerns associated with cards for merchants as well as payment service providers (PSPs) using tokens by establishing E-Commerce browser standards around tokenization for merchants and PSPs through a standard manner of requesting customer data in an encrypted manner following a standard.

Expedited E-commerce tokenization

Systems and methods of the invention are directed to provisioning a token by a secure authentication system. A user may initiate a transaction that causes a resource provider computer to transmit an authentication request message to a directory server computer. The directory server computer may transmit the authentication request message to an access control server computer for authentication. Subsequent to receiving the authentication request message, the directory server computer may request a token for the transaction from a token provider computer. If authentication is successful, the token may be included in an authentication response message transmitted by the directory server computer to the resource provider computer. The token may then be utilized by the resource provider computer in lieu of sensitive user information for any suitable purpose. In some embodiments, user-specific-data provided by the access control server computer may be included in the authentication response message.

Token provisioning utilizing a secure authentication system

Techniques for provisioning access data may include receiving, by a first application installed on a communication device, user input selecting an account to provision to a second application installed on the communication device. The first application may invoke the second application and send a session identifier (ID) to the second application. The second application may send a user ID associated with the second application, a device ID, and the session ID to the first application. The first application may then generate encrypted provisioning request data and send the encrypted provisioning request data to the second application. The second application may send the encrypted provisioning request data to a remote server computer to request access data that can be used to access a resource. The second application may receive the access data provided by the remote server computer based on validation of the encrypted provisioning request data.

Systems and methods for device push provisioning

A method is disclosed. The method includes transmitting by a computing device, an account creation request to a remote server computer. The method further includes automatically provisioning the computing device with an access token in response to receiving a request to create the account.

Automated access data provisioning

Systems and methods for device push provisoning

A user utilizing a first user device can request to be authenticated to a web site. The first user device may send an authentication request to the server operating the web site. The server may then send a first signal to a second user device associated with the user. A second signal can be generated based on reading the first signal. The second user device may send the second signal to the server. The server can compare the first signal and second signal and may authenticate the user if the signals match.

Growing community of inventors

San Ramon, CA, United States of America

Parveen Bansal