Visa International Service Association

Vahini Mohan

Navendu Misra

Praveen Kumar Suresh Guggarigoudar

Pratik Jayant Sanghvi

Provided are computer-implemented methods for authenticating a mobile device based on a real-time mobile device application profile which may include generating, with a mobile device application on a mobile device, a real-time mobile device application profile associated with the mobile device, receiving the mobile device application profile by the mobile device; and determining whether there is an anomaly between the real-time mobile device application profile and a historical mobile device application profile associated with the mobile device. The methods may also include performing a remedial action associated with a transaction based on determining that there is an anomaly between the real-time mobile device application profile and the historical mobile device application profile. Systems and computer program products are also provided.

System, method, and computer program product for authenticating a device based on an application profile

Systems, methods, and computer program products for a contactless automated teller machine (ATM) experience receive, from a telephone number, a first short message service (SMS) message including a unique identifier associated with an ATM terminal; in response to receiving the first SMS message, communicate, to the ATM terminal, a first password associated with the telephone number and the unique identifier; receive, from the telephone number, a second SMS message including the first password; verify the first password; in response to verifying the first password, transmit, to the telephone number, a third SMS message including an option to withdraw cash from the ATM terminal; receive, from the telephone number, a fourth SMS message including a selection of the option to withdraw the cash from the ATM terminal; and communicate, to the ATM terminal, a cash dispense command that causes the ATM terminal to dispense the cash.

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Austin, TX, United States of America

Vahini Mohan