Visa International Service Association

Saloni Vijaykumar Mahajan

Sumit Amar

John F Sheets

Kim R Wagner

Sunpreet Singh Arora

Lacey Best-Rowden

Sunit Lohtia

Dennis Franklin Olson

Jiayun He

Elianna Starr

Amisha Sisodiya

Jorge Andre Torres Perez Palacios

Binoy Parag Parikh

Sowmya Vuddaraju

Amy Dawson

Sneha Sri Tadepalli

Andres Jimenez

An application data exchange technique may include a communication device establishing a communication channel with an access device, receiving an access device profile of the access device, and emulating a virtual access device on the communication device based on the access device profile. The virtual access device executing on the communication device may issue a set of application commands to a transaction applet executing on the communication device, and receive a set of application data responses from the transaction applet in response to the set of application commands. The communication device, may then generate a data packet by concatenating application data contained in the set of application data responses, and transmitting the data packet to the access device via the communication channel.

Communication device using virtual access device and transaction applet

Provided is a computer-implemented method for authenticating a customer during payment transactions based on biometric identification parameters of the customer that includes receiving image data associated with an image template for identification of a customer, receiving image data associated with an image of a biometric identification parameter of the customer during a payment transaction between the customer and a merchant, establishing a short-range communication connection with a user device associated with the customer during the payment transaction between the customer and the merchant, authenticating an identity of the customer for the payment transaction via the short-range communication connection, determining an account identifier of an account of the customer based on authenticating the identity of the customer for the payment transaction, and processing the payment transaction using the account identifier of the account of the customer. A system and computer program product are also disclosed.

Authentication based on biometric identification parameter of an individual for payment transaction

A technique for establishing a device network using a wireless communication protocol is described. The technique may include determining peer devices within a communication range of a communication device, and determining whether any of the peer devices is part of a device cluster having less than a maximum number of device members. When a peer device within the communication range is determined to be part of an existing device cluster having less than the maximum number of device members, that existing device cluster can be updated to include the communication device. When each peer device within the communication range of the communication device is determined to be part of a full device cluster having the maximum number of device members, a new device cluster can be created to include the communication device and a plurality of peer devices meeting a signal strength criteria.

Proximity device network

Secured extended range application data exchange

Growing community of inventors

Fremont, CA, United States of America

Saloni Vijaykumar Mahajan