Visa International Service Association

Swapneel Mahajan

Shalini Mayor

Vinjith Nagaraja

Raymond Brammer

Vamshi Ramarapu

James Myers

Nagaveera Venkata Su Tavvala

Amit Gupta

Feng Chi Wang

Peng Zhao

Clint Florez

Shashi Velur

Miguel Lunaparra

Jonathan Twichell

Jose Rios Trevino

Clyde Valdez

Joel Trunick

Ireneusz Pazdzierniak

Dhruv Vig

Vincent Hesener

Mimi Le

David Capezza

Raymond Scott Brammer

Embodiments of the invention are directed to an automated account restoration system. In some embodiments, the system determines a state of an account based on a likelihood that the account has been compromised. If the account is determined to be in a low-risk state, then upon an successful login to that account, a verification cookie may be generated which is unique to a user device used to access the account. If the account is determined to be in a high-risk state, then system may prevent access to the account except by user devices that include a valid verification cookie.

Automated account recovery using trusted devices

Techniques for securely generating and using a 'fingerprint' for authentication. A server computer receives a first data set from a user device (including a first fuzzy hash of first user data on the user device). The server computer generates a first fingerprint value based on the first data set. The server computer detects an event corresponding to a user in association with the user device. The server computer identifies a baseline fingerprint value (generated based on a baseline fuzzy hash of user data on the user device). The server computer compares the first fingerprint value to the baseline fingerprint value to generate a similarity score. The server computer may determine that the similarity score exceeds a threshold value but does not represent an exact match, and, based on the similarity score, authenticate the user and update the baseline fingerprint value based on the first fingerprint value.

Dynamic and private security fingerprinting

The claimed system and method allows for an electronic payment system to accept a single card that is both a debit card and a credit card. Further, a user may indicate a default value for the card regarding whether the card should be used as a debit card or a credit card.

Support combination cards for ecommerce

Growing community of inventors

Cupertino, CA, United States of America

Swapneel Mahajan