Visa International Service Association

Sumit Amar

Saloni Vijaykumar Mahajan

Srinivas Bhagavathula

Sunit Lohtia

Patrick Ryan Flanagan

Dennis Franklin Olson

Miranda Morgan

Cheryl Lynn Wu

Abdulvafa Choudhary

Meryl Lazer

James Cao

Archana Reddy Manchireddy

Mayur Vijay Jain

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

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

A system for storing and managing secure information is disclosed that includes a secure identity and profiling system, which serves as a middleman between a user and an entity requesting personally identifiable information (PII) from the user. The system collects the PII from the user and stores it securely, such as in an alternate blockchain in an encrypted form. The location of the that PII within the alternate blockchain may be indexed using smart contracts in a main blockchain that can only be read with an access token generated and supplied by the user's mobile device. When an entity requests PII from the user that has already been collected and securely stored, the user can provide permission to release that PII by providing the access token. The system will use the access token to locate where the PII is stored and release the PII to the requesting entity.

Secure identity and profiling system

A method is disclosed. A digital assistant device receives a biometric sample from a user and then converts the biometric sample to a biometric template. The digital assistant device can scan for user devices in communication range of the digital assistant device, thereby receiving user device identifiers. The digital assistant device can transmit, to a server computer, an authentication request comprising the biometric template and at least one user device identifier. The digital assistant device can then receive a cryptogram request message comprising the at least one user device identifier, from the server computer. The digital assistant device can transmit, to a user device corresponding to the at least one user device identifier, the cryptogram request message and can then receive a cryptogram. The digital assistant device can then transmit the cryptogram to the server computer. The server computer verifies the cryptogram before further processing of a transaction.

Audible authentication

Secured extended range application data exchange

Provided is a method for implementing an automated chatbot, including generating, with at least one processor of a transaction processing system, at least one graphical user interface including a plurality of selectable options corresponding to a plurality of chatbot options, receiving a plurality of selections from at least a subset of the plurality of chatbot options, associating the plurality of selections with at least one issuer identifier, receiving, from a chatbot system, a request message comprising the at least one issuer identifier, generating a response message comprising transaction data based on the request message and at least one chatbot option corresponding to at least one selection of the plurality of selections associated with the at least one issuer identifier, and communicating the response message to the chatbot system.

System and method for automated chatbots

Growing community of inventors

Foster City, CA, United States of America

Sumit Amar