The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Apr. 21, 2026

Filed:

Sep. 28, 2021
Applicant:

Visa International Service Association, San Francisco, CA (US);

Inventor:

Yuexi Chen, Foster City, CA (US);

Assignee:

Visa International Service Association, San Francisco, CA (US);

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
H04L 9/32 (2006.01); G06Q 20/32 (2012.01); G06Q 20/38 (2012.01); H04L 9/08 (2006.01); H04L 9/40 (2022.01);
U.S. Cl.
CPC ...
H04L 9/3242 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/3821 (2013.01); H04L 9/0861 (2013.01); H04L 9/3239 (2013.01); H04L 63/0853 (2013.01); H04L 2209/56 (2013.01);
Abstract

A disclosed method includes receiving, by a first device from a server computer, a first hash value along with a plurality of other hash values, and a random value. The first hash value is generated by inputting at least a first credential and the random number into a hash function. The method includes reading a second credential from a second device operated by a second user, and generating a second hash value by inputting at least the second credential and the random value into the hash function. The method includes comparing the first hash value and the second hash value, and determining that the first hash value and the second hash value match. The method also includes validating an action of the second user when the first hash value and the second hash value match.


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