Visa U.s.a. Inc.

Visa International Service Association

Philippe Levy

Ayman A Hammad

Jerry F Sloan

Mary L Gorden

Virginia I Simcox

James Donald Reno

Benedicto Dominguez

Thomas Manessis

Liane Redford

Kevin D Weller

James L Mazour

Bryan Shimko

Michael D Salters

Trudy Hill

Marc R Black

Paul Spaeth

Tony D Lewis

Stephen W Ryan

Peter R Hill

Peter Bray

Liz Toibero

Benjamin Garton

A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.

Account authentication service with chip card

Techniques for changing a participation status in a loyalty program for a portable device are provided. The techniques include receiving an indication to change the participation status in the loyalty program from a first status to a second status. A parameter is modified in the portable device where the modification of the parameter corresponds to a change in the participation status in the loyalty program from the first status to the second status.

Opt-in/opt-out in loyalty system

A system for facilitating memory and application management on a smartcard the system includes a client having a number of applications and a smartcard having specification logic allowing file structures and security and access conditions to be defined using a set of common commands. Each application has a corresponding group of data on the smartcard. An applet instance is created for each application and corresponding group of application data. At the time of instantiation, the specification logic allows an application to specify the file structure and/or to specify security and access conditions for its group of data. An application can utilize passcode and credential management so that a single passcode is used to access the smartcard regardless of whether the application utilizes the common commands to specify a file structure.

Method and system for facilitating memory and application management on a secured token

A system including a secured token having a plurality of applets. Each applet supports a plurality of commands and is capable of being instantiated to create one or more applet instances. Each applet instance is capable of supporting the same plurality of commands that is supported by the applet that creates that applet instance. The applet instances can provide different file structures or different access conditions for data on the secured token.

Growing community of inventors

Belmont, CA, United States of America

Philippe Levy