Visa International Service Association

États‑Unis d’Amérique

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Type PI
        Brevet 3 882
        Marque 323
Juridiction
        États-Unis 2 666
        International 1 299
        Canada 157
        Europe 83
Date
Nouveautés (dernières 4 semaines) 28
2024 mai (MACJ) 15
2024 avril 30
2024 mars 21
2024 février 28
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Classe IPC
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives 1 106
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails 733
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil 636
H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système 581
H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole 541
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Classe NICE
36 - Services financiers, assurances et affaires immobilières 239
35 - Publicité; Affaires commerciales 70
09 - Appareils et instruments scientifiques et électriques 59
42 - Services scientifiques, technologiques et industriels, recherche et conception 44
41 - Éducation, divertissements, activités sportives et culturelles 31
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Statut
En Instance 551
Enregistré / En vigueur 3 654
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1.

SYSTEMS AND METHODS FOR COMMUNICATING TOKEN ATTRIBUTES ASSOCIATED WITH A TOKEN VAULT

      
Numéro d'application 18416767
Statut En instance
Date de dépôt 2024-01-18
Date de la première publication 2024-05-16
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Dill, Matthew
  • Narayan, Prasanna L
  • Powell, Glenn
  • Sheets, John
  • Carpenter, Andrew

Abrégé

Systems and methods for interoperable network token processing are provided. A network token system provides a platform that can be leveraged by external entities (e.g., third party wallets, e-commerce merchants, payment enablers/payment service providers, etc.) or internal payment processing network systems that have the need to use the tokens to facilitate payment transactions. A token registry vault can provide interfaces for various token requestors (e.g., mobile device, issuers, merchants, mobile wallet providers, etc.), merchants, acquirers, issuers, and payment processing network systems to request generation, use and management of tokens. The network token system further provides services such as card registration, token generation, token issuance, token authentication and activation, token exchange, and token life-cycle management.

Classes IPC  ?

  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
  • H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

2.

CONFIGURATION OF NODE PORT FOR MAINTENANCE WITHOUT LOAD BALANCER COORDINATION

      
Numéro d'application US2022079621
Numéro de publication 2024/102160
Statut Délivré - en vigueur
Date de dépôt 2022-11-10
Date de publication 2024-05-16
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s) Li, Weigang

Abrégé

A computer implemented method providing a network policy configured to prevent transaction data processing from being interrupted during maintenance performed on nodes in a cluster network. The network policy reduces maintenance period times and the amount of personnel needed to perform node maintenance by simulating node failure. The simulated node failure prevents new transaction data from being sent the node that is undergoing maintenance.

Classes IPC  ?

  • H04L 41/0894 - Gestion de la configuration du réseau basée sur des règles
  • H04L 41/0695 - Gestion des fautes, des événements, des alarmes ou des notifications le dispositif défectueux étant le système de maintenance, d'administration ou de gestion
  • H04L 43/10 - Surveillance active, p.ex. battement de cœur, utilitaire Ping ou trace-route
  • H04L 43/0852 - Retards
  • H04L 41/082 - Réglages de configuration caractérisés par les conditions déclenchant un changement de paramètres la condition étant des mises à jour ou des mises à niveau des fonctionnalités réseau

3.

DELIVERING USER DATA USING RESOURCE ADDRESS

      
Numéro d'application US2023078958
Numéro de publication 2024/102740
Statut Délivré - en vigueur
Date de dépôt 2023-11-07
Date de publication 2024-05-16
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Annam, Hari Krishna
  • Kalakrishnan, Suresh
  • Jurss, Penny

Abrégé

Methods and systems for provisioning a token on a mobile device without the installation of an application thereon are provided. A server computer can: receive credentials associated with a user account; encrypt the credentials; generate a payload in form of a remote resource address; generate an application associated with the remote resource address; transmit the application to a mobile device in response to the mobile device navigating to the remote resource address; receive the payload from the application when the application is executed on the mobile device; and provision a token associated with the user account on a digital wallet of the mobile device when the application is executed on the mobile device without being installed thereon.

Classes IPC  ?

  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
  • H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

4.

System, Method, and Computer Program Product for Debiasing Embedding Vectors of Machine Learning Models

      
Numéro d'application 18280792
Statut En instance
Date de dépôt 2022-03-30
Date de la première publication 2024-05-16
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Dev, Sunipa
  • Zheng, Yan
  • Yeh, Michael
  • Wang, Junpeng
  • Zhang, Wei
  • Rathore, Archit

Abrégé

Described are a system, method, and computer program product for debiasing embedding vectors of machine learning models. The method includes receiving embedding vectors and generating two clusters thereof. The method includes determining a first mean vector of the first cluster and a second mean vector of the second cluster. The method includes determining a bias associated with each of a plurality of first candidate vectors and replacing the first mean vector with a first candidate vector based on the bias. The method includes determining a bias associated with each of a plurality of second candidate vectors and replacing the second mean vector with a second candidate vector based on the bias. The method includes repeatedly replacing the first and second mean vectors until an extremum of the bias score is reached, and debiasing the embedding vectors by linear projection using a direction defined by the first and second mean vectors.

Classes IPC  ?

  • G06F 40/40 - Traitement ou traduction du langage naturel

5.

AUTHENTICATION SYSTEM AND METHOD

      
Numéro d'application 17983938
Statut En instance
Date de dépôt 2022-11-09
Date de la première publication 2024-05-09
Propriétaire Visa International Service Association (USA)
Inventeur(s) Andral, Vladimir

Abrégé

A method includes a server computer receiving a request from a user to obtain a resource in a transaction using a cryptocurrency. The server computer determines that the transaction is to be made using the cryptocurrency. The server computer initiates an authentication request message to an access control server via a directory server. The access control server authenticates the user and generates an authentication indicator. The server computer receives an authentication response comprising the authentication indicator from the access control server. The server computer evaluates the authentication indicator. Responsive to evaluating the authentication indicator, the server computer can process the transaction using the cryptocurrency.

Classes IPC  ?

  • G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
  • G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
  • G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

6.

PRE-AUTHORIZATION ACCESS REQUEST SCREENING

      
Numéro d'application 18411018
Statut En instance
Date de dépôt 2024-01-11
Date de la première publication 2024-05-09
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Naumann Zu Koenigsbrueck, Andrew John Bruno
  • Chamseddine, Ali
  • Siddens, Cory Howard
  • Boding, Benjamin Scott

Abrégé

Systems and methods are described for pre-authentication access request screening. A server computer may receive a request for access to a resource comprising access data. The server computer may transmit, to an authentication computer, an authentication request message comprising at least a subset of the access data and receive an authentication response message comprising authentication data. The server computer may determine an access score based on the authentication data. Alternatively, the server computer may determine the access score based on the access data without using/receiving authorization data. The server computer may generate an access indicator based on the access score. The server computer may prepare and transmit an authorization request message comprising the access indicator to an authorization computer. The authorization computer may approve or decline the access to the resource based on the access indicator.

Classes IPC  ?

  • H04L 9/40 - Protocoles réseaux de sécurité
  • G06F 21/10 - Protection de programmes ou contenus distribués, p.ex. vente ou concession de licence de matériel soumis à droit de reproduction

7.

System, Method, and Computer Program Product for Feature Analysis Using an Embedding Tree

      
Numéro d'application 18280828
Statut En instance
Date de dépôt 2022-06-09
Date de la première publication 2024-05-09
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Zheng, Yan
  • Zhang, Wei
  • Yeh, Michael
  • Wang, Liang
  • Wang, Junpeng
  • Jain, Shubham
  • Zhuang, Zhongfang

Abrégé

Provided is a system for analyzing features associated with entities using an embedding tree, the system including at least one processor programmed or configured to receive a dataset associated with a plurality of entities, wherein the dataset comprises a plurality of data instances for a plurality of entities. The processor may be programmed or configured to generate at least two embeddings based on the dataset and determine split criteria for partitioning an embedding space of at least one embedding tree associated with the dataset based on feature data associated with an entity and embedding data associated with the at least two embeddings. The processor may be programmed or configured to generate at least one embedding tree having a plurality of nodes based on the split criteria. Methods and computer program products are also provided.

Classes IPC  ?

  • G06F 16/22 - Indexation; Structures de données à cet effet; Structures de stockage

8.

System, Method, and Computer Program Product for Anomaly Detection in Multivariate Time Series

      
Numéro d'application 18280727
Statut En instance
Date de dépôt 2022-06-10
Date de la première publication 2024-05-09
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Wang, Lan
  • Lin, Yu-San
  • Wu, Yuhang
  • Chen, Huiyuan
  • Wang, Fei
  • Yang, Hao

Abrégé

Provided is a system for detecting an anomaly in a multivariate time series that includes at least one processor programmed or configured to receive a dataset of a plurality of data instances, wherein each data instance comprises a time series of data points, determine a set of target data instances based on the dataset, determine a set of historical data instances based on the dataset, generate, based on the set of target data instances, a true value matrix, a true frequency matrix, and a true correlation matrix, generate a forecast value matrix, a forecast frequency matrix, and a forecast correlation matrix based on the set of target data instances and the set of historical data instances, determine an amount of forecasting error, and determine whether the amount of forecasting error corresponds to an anomalous event associated with the dataset of data instances. Methods and computer program products are also provided.

Classes IPC  ?

9.

UNIVERSAL PAYMENT CHANNEL

      
Numéro d'application 18549430
Statut En instance
Date de dépôt 2022-03-11
Date de la première publication 2024-05-09
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Minaei Bidgoli, Mohammad Mohsen
  • Kumaresan, Ranjit
  • Raghuraman, Srinivasan
  • Zamani, Mahdi
  • Wijeyekoon, Arjuna

Abrégé

A method for facilitating cryptocurrency transactions is disclosed. The method includes receiving, by a hub computer, a first user account identifier from a first service provider computer in communication with a first user device and a first blockchain network. The first service provider computer transfers an amount of digital currency to a first smart contract on the first blockchain network. The hub computer also receives a second user account identifier from a second service provider computer in communication with a second user device and a second blockchain network containing a second smart contract. The hub computer receives a first amount of a first digital currency from the first service provider computer, and then transfers a second amount of a second digital currency to the second service provider computer.

Classes IPC  ?

  • G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
  • G06Q 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

10.

MODULAR SECURITY EVALUATION OF SOFTWARE ON DEVICES

      
Numéro d'application 18547039
Statut En instance
Date de dépôt 2022-02-24
Date de la première publication 2024-05-02
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Chen, Yuexi
  • Aabye, Christian
  • Cookson, Janet
  • Javkin, Ian
  • Mitchley, Geraldine
  • Lai, Chackan
  • Kekicheff, Marc
  • Chrobok, Pawel

Abrégé

A method includes receiving, by a network processing computer, software information from a development computer. The network processing computer can determine one or more logical modules of a plurality of logical modules based on the software information. The network processing computer can provide the one or more logical modules to a testing computer. The testing computer evaluates one or more software modules corresponding to the software information using the one or more logical modules. The network processing computer receives a security evaluation report from the testing computer based on the evaluation of the one or more software modules using the one or more logical modules. The network processing computer creates a security evaluation summary based on the security evaluation report.

Classes IPC  ?

  • G06F 21/57 - Certification ou préservation de plates-formes informatiques fiables, p.ex. démarrages ou arrêts sécurisés, suivis de version, contrôles de logiciel système, mises à jour sécurisées ou évaluation de vulnérabilité
  • G06F 21/55 - Détection d’intrusion locale ou mise en œuvre de contre-mesures

11.

Method, System, and Computer Program Product for Processing a Non-Fungible Token Having a Dynamic Value

      
Numéro d'application 17974935
Statut En instance
Date de dépôt 2022-10-27
Date de la première publication 2024-05-02
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Zhang, Bingquan
  • Xiang, Gabriel Teo Yu

Abrégé

A method includes generating a media object; associating the media object with a trigger action; monitoring user activity of a user to detect an occurrence of the trigger action by the user; in response to detection of the occurrence of the trigger action by the user, modifying the media object to generate a modified media object; minting the modified media object as a non-fungible token (NFT) on a blockchain network; associating a dynamic value with the NFT, the dynamic value configured to change as a function of at least time according to an algorithm; providing the NFT to the user; in response to the user initiating redemption of the NFT in connection with an electronic payment transaction having a transaction amount, determining the dynamic value of the NFT based on the algorithm; and processing the electronic payment transaction by applying the dynamic value to the transaction amount.

Classes IPC  ?

  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
  • G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds

12.

System, Method, and Computer Program Product for Secure Client Device and Consumer Authentication

      
Numéro d'application 18280486
Statut En instance
Date de dépôt 2022-03-11
Date de la première publication 2024-05-02
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Bohatka, Christopher James
  • Simone, Nicholas Mark
  • Heiss, Andrew Thomas
  • Somani, Suyash Umesh
  • Chikatamalla, Siddhartha

Abrégé

Described are a system, method, and computer program product for secure client device and consumer authentication. The method includes receiving a primary account number (PAN) of an account of a consumer from a merchant system and determining whether the PAN has been registered with a public key of a public-private key pair of a client device of the consumer. The method also includes, in response to determining that the PAN has been registered, transmitting a login request to a transaction processing system including a device identifier of the client device based on the PAN. The method further includes receiving a login response from the transaction processing system associated with successful authentication of the client device and, in response to receiving the login response, processing a transaction by generating a transaction authorization request message including the PAN to the transaction processing system.

Classes IPC  ?

  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

13.

SYSTEM AND METHOD FOR PERFORMING A FAST LIMITED CHARACTER SEARCH

      
Numéro d'application US2022047950
Numéro de publication 2024/091234
Statut Délivré - en vigueur
Date de dépôt 2022-10-26
Date de publication 2024-05-02
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s) Ratica, Adam

Abrégé

In some embodiments, a system includes a processor and a non-transitory computer readable medium coupled to the processor. In some embodiments, the non-transitory computer readable medium includes code that performs a first character assessment of a first character located at a first position in a character string, and during a search for a character subset in the character string, determines whether to bypass a character assessment of each character located in a search length span of the character string based upon the first character assessment of the first character located at the first position in the character string. In some embodiments, the non-transitory computer readable medium includes code that bypasses the character assessment of each character in the search length span when the first character is of a second type (e.g., not of a first type).

Classes IPC  ?

  • G06F 16/903 - Requêtes
  • G06F 16/33 - Requêtes
  • G06F 7/00 - Procédés ou dispositions pour le traitement de données en agissant sur l'ordre ou le contenu des données maniées

14.

BLOCKCHAIN ARCHITECTURE WITH RECORD SECURITY

      
Numéro d'application 18406026
Statut En instance
Date de dépôt 2024-01-05
Date de la première publication 2024-05-02
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Sierra, Andrew
  • Lai, Chackan

Abrégé

Described herein is a system in which an electronic record is stored within a distributed environment. In this system, a validation node may receive a transaction record from an acceptance node. The validation node may verify that the acceptance node is authorized to participate in a blockchain network, identify a user associated with the transaction record, and append the transaction record to an electronic record. The transaction record may be associated with a digital signature formed by hashing multiple data elements, and then encrypting the hashed data elements using a private encryption key.

Classes IPC  ?

  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • H04L 9/06 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité l'appareil de chiffrement utilisant des registres à décalage ou des mémoires pour le codage par blocs, p.ex. système DES
  • H04L 9/08 - Répartition de clés
  • H04L 9/30 - Clé publique, c. à d. l'algorithme de chiffrement étant impossible à inverser par ordinateur et les clés de chiffrement des utilisateurs n'exigeant pas le secret
  • H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

15.

System, Method, and Computer Program Product for State Compression in Stateful Machine Learning Models

      
Numéro d'application 18280493
Statut En instance
Date de dépôt 2022-05-18
Date de la première publication 2024-05-02
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Chen, Qingguo
  • Wang, Dan
  • Cheng, Yinhe
  • Gu, Yu
  • Cai, Yiwei

Abrégé

Described are a system, method, and computer program product for state compression in stateful machine learning models. The method includes receiving a transaction authorization request for a transaction and loading at least one encoded state of a recurrent neural network (RNN) model from a memory. The method further includes decoding the at least one encoded state by passing each encoded state through a decoder network to provide at least one decoded state. The method further includes generating at least one updated state and an output for the transaction by inputting at least a portion of the transaction authorization request and the at least one decoded state into the RNN model. The method further includes encoding the at least one updated state by passing each updated state through an encoder network to provide at least one encoded updated state, and storing the at least one encoded updated state in the memory.

Classes IPC  ?

  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
  • G06N 3/0442 - Réseaux récurrents, p.ex. réseaux de Hopfield caractérisés par la présence de mémoire ou de portes, p.ex. mémoire longue à court terme [LSTM] ou unités récurrentes à porte [GRU]

16.

SYSTEM AND METHOD WITH REAL TIME MESSAGING

      
Numéro d'application 18489673
Statut En instance
Date de dépôt 2023-10-17
Date de la première publication 2024-04-25
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Ponomarov, Ivan
  • Brindley, Keith Stephen
  • Jain, Ranveer Raj
  • Bilous, Volodymyr Ivanovich
  • Mestha, Hema
  • Yablunivskyy, Oleksandr Nikolayevich
  • Nayak, Koni Uttam
  • Sathyanarayana Naga, Harsha

Abrégé

A method is disclosed. The method includes receiving, from a receiver institution computer, an interaction request message for an interaction with a sender identifier associated with a sender and interaction details. The method also includes transmitting a plurality of notifications comprising the sender identifier to a plurality of sender institution computers. The method also includes receiving a plurality of responses from the plurality of sender institution computers, one or more responses indicating that the sender identifier is stored at the sender institution computers, and then providing the interaction details and/or additional interaction details to one or more of the sender institution computers that store the sender identifier.

Classes IPC  ?

  • H04L 51/48 - Adressage des messages, p.ex. format des adresses ou messages anonymes, alias
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
  • H04L 9/40 - Protocoles réseaux de sécurité
  • H04L 51/046 - Interopérabilité avec d'autres applications ou services réseau

17.

MANAGING AND DEPLOYING CUSTOM INTRUSION DETECTION SYSTEM SIGNATURE POLICIES

      
Numéro d'application 18491106
Statut En instance
Date de dépôt 2023-10-19
Date de la première publication 2024-04-25
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Leung, Christophe
  • Rabago-Banjo, Kyle
  • Blankenship, Grant

Abrégé

Methods and systems for deploying intrusion detection system (IDS) policies to IDS programs are disclosed. Each IDS instance can monitor a data feed (e.g., comprising computer network traffic) in accordance with a set of “signatures” or “rules” associated with its policy, and can issue alerts if any elements of that network traffic match those signatures or rules. An intrusion signature management module can receive IDS signatures from one or more signature sources and store those signatures in a filesystem. The intrusion signature management module can produce rule files based on these IDS signatures, e.g., containing subsets of the received IDS signatures. These rule files can be provided to a version control server, and can later be accessed by an orchestration module. The orchestration module can deploy these rule files to their respective IDS programs, enabling those IDS programs to monitor their respective data feeds in accordance with the rule files.

Classes IPC  ?

  • H04L 9/40 - Protocoles réseaux de sécurité

18.

Method, System, and Computer Program Product for Normalizing Embeddings for Cross-Embedding Alignment

      
Numéro d'application 18530710
Statut En instance
Date de dépôt 2023-12-06
Date de la première publication 2024-04-25
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Zheng, Yan
  • Yeh, Michael
  • Wang, Junpeng
  • Zhang, Wei
  • Wang, Liang
  • Yang, Hao
  • Aboagye, Prince Osei

Abrégé

Provided is a method for normalizing embeddings for cross-embedding alignment. The method may include applying mean centering to the at least one embedding set, applying spectral normalization to the at least one embedding set, and/or applying length normalization to the at least one embedding set. Spectral normalization may include decomposing the at least one embedding set, determining an average singular value of the at least one embedding set, determining a respective substitute singular value for each respective singular value of a diagonal matrix, and/or replacing the at least one embedding set with a product of the at least one embedding set, a right singular vector, and an inverse of the substitute diagonal matrix. The mean centering, spectral normalization, and/or length normalization may be iteratively repeated for a configurable number of iterations. A system and computer program product are also disclosed.

Classes IPC  ?

  • G06F 5/01 - Procédés ou dispositions pour la conversion de données, sans modification de l'ordre ou du contenu des données maniées pour le décalage, p.ex. la justification, le changement d'échelle, la normalisation
  • G06F 17/16 - Calcul de matrice ou de vecteur
  • G06F 40/40 - Traitement ou traduction du langage naturel

19.

DIGITAL TAG INCLUDING REQUEST FOR INTERACTION

      
Numéro d'application 18548056
Statut En instance
Date de dépôt 2021-09-01
Date de la première publication 2024-04-25
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Verma, Sonal
  • Sevanto, Jarkko Oskari
  • Modi, Vikram
  • Gomes, Micael De Torres

Abrégé

A method is disclosed. The method comprises receiving, by a digital tag computer from a receiver user device a transfer request comprising a digital tag associated with the receiver, a digital tag associated with a sender, and a transfer amount. The method then generates an identifier to be associated with the received transfer request. The digital tag computer then transmits the transfer request to a sender user device associated with the second user, where the transfer request includes the identifier associated with the request. After transmitting the transfer request, the digital tag computer receives a transfer message relating to the transfer request. Then, after receiving the transfer message, the digital tag computer transmits the transfer message.

Classes IPC  ?

20.

DEVICES, SYSTEMS, AND METHODS FOR AUTHENTICATING AN ACCOUNT FOR TRANSACTING ON CRYPTOCURRENCY EXCHANGES

      
Numéro d'application 18048063
Statut En instance
Date de dépôt 2022-10-19
Date de la première publication 2024-04-25
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Kundu, Shibabrata Sanjib
  • Das, Sandipa
  • Seshadri, Varadharajan
  • Govindan, Bhuvaneswari

Abrégé

A method of rapidly onboarding a user for access to trade on a cryptocurrency exchange via a payment network is disclosed herein. The method can include receiving an application program interface (“API”) call including a request to authenticate the user for access to trade on the cryptocurrency exchange, wherein the request includes information associated with an account of the user, transmitting the request to an issuer system associated with the account, receiving a verification result from the issuer system, wherein the verification result is based on user identifying information previously authenticated by the issuer system in association with the account, wherein the verification result is indicative of an authenticity status of the user, and responding to the request by transmitting an indication of the verification result to the cryptocurrency exchange.

Classes IPC  ?

  • G06Q 40/04 - Transactions; Opérations boursières, p.ex. actions, marchandises, produits dérivés ou change de devises
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
  • G06Q 20/42 - Confirmation, p.ex. contrôle ou autorisation de paiement par le débiteur légal

21.

PREDICTIVE MACHINE LEARNING ARCHITECTURE FOR IDENTIFYING GAPS IN NETWORK ACTIVITY

      
Numéro d'application 18194213
Statut En instance
Date de dépôt 2023-03-30
Date de la première publication 2024-04-25
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Cacicedo, Tomas
  • Eskamani, Arya
  • Kumar, Debesh

Abrégé

Systems and methods for classifying gaps in network activity as normal or anomalous are disclosed. A computer system can identify time gaps between successive network events, which can comprise communications or interactions between entities or devices on a network. The computer system can identify network event data records corresponding to network events that occurred both before and after the identified time gaps. The computer system can use data contained in network event data records corresponding to these network events to derive data features that can be used to train a machine learning to classify time gaps based on those features. After training the machine learning model, the computer system can then extract data features corresponding to unlabeled time gaps, and input those data features into the trained machine learning model in order to classify those time gaps as normal or anomalous.

Classes IPC  ?

  • G06N 5/022 - Ingénierie de la connaissance; Acquisition de la connaissance
  • G06N 3/08 - Méthodes d'apprentissage

22.

DIGITAL INSTANT ISSUANCE WITH INSTANT PROCESSING

      
Numéro d'application 18538896
Statut En instance
Date de dépôt 2023-12-13
Date de la première publication 2024-04-18
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Wong, Shoon Ping
  • Monk, Justin

Abrégé

An entity may generate digital account credentials when a new account is approved for generation by an authorizing entity that controls or issues new accounts. A user may contact an authorizing entity to open a new account with the authorizing entity. The authorizing entity may authenticate the user and may approve a new account to be generated for the user. The user may wish to conduct transactions immediately upon approval. However, the authorizing entity may not immediately generate a physical identification device along with an actual account identifier associated with the new account. An intermediary entity may generate digital account credentials for the new account immediately after the authorizing entity approves generation of the new account, provide the digital account credentials to the account holder, and process transactions using the digital account credentials.

Classes IPC  ?

  • G06F 21/45 - Structures ou outils d’administration de l’authentification
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
  • H04L 9/40 - Protocoles réseaux de sécurité

23.

TIME SERIES PREDICTIVE MODEL FOR ESTIMATING METRIC FOR A GIVEN ENTITY

      
Numéro d'application 18275598
Statut En instance
Date de dépôt 2022-02-01
Date de la première publication 2024-04-18
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Yeh, Michael
  • Zhuang, Zhongfang
  • Wang, Junpeng
  • Zheng, Yan
  • Ebrahimi, Javid
  • Wang, Liang
  • Zhang, Wei

Abrégé

A method performed by a computer is disclosed. The method comprises receiving interaction data between electronic devices of a plurality of entities. The interaction data is used to form an entity interaction vector containing a number of interactions between the electronic devices of a chosen entity and an entity time series containing a plurality of metrics per unit time of the interactions. An interaction encoder of the computer can generate an interaction hidden representation of the entity interaction vector using embeddings of the plurality of entities. A temporal encoder of the computer can generate a temporal hidden representation of the entity time series. The interaction hidden representation and the temporal hidden representation can be used to generate a predicted scale and a shape estimation of a target interaction metric. The computer can then generate an estimated interaction metric of a time period using the predicted scale and the shape estimation.

Classes IPC  ?

  • G06N 3/0455 - Réseaux auto-encodeurs; Réseaux encodeurs-décodeurs

24.

SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR ANALYZING AND/OR IMPROVING TRANSFORMER MODELS

      
Numéro d'application US2023035109
Numéro de publication 2024/081405
Statut Délivré - en vigueur
Date de dépôt 2023-10-13
Date de publication 2024-04-18
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Li, Yiran
  • Wang, Junpeng
  • Dai, Xin
  • Wang, Liang
  • Yeh, Michael
  • Zheng, Yan
  • Zhang, Wei

Abrégé

Methods, systems, and computer program products are provided for analyzing and/or improving transformer models. A method may include receiving a trained transformer model. The trained transformer model may include at least one multi-head self-attention layer including a plurality of attention heads. At least one sample may be received. The sample(s) may be inputted to the trained transformer model to generate at least one layer output of the multi-head self-attention layer(s) and at least one model output of the trained transformer model. Each respective attention head may be pruned, and the sample(s) may be inputted to the trained transformer model with the respective attention head pruned to generate at least one respective pruned layer output and at least one respective pruned model output. At least one importance metric may be determined for each respective attention head based on at least two of the aforementioned outputs.

Classes IPC  ?

  • G06F 18/241 - Techniques de classification relatives au modèle de classification, p.ex. approches paramétriques ou non paramétriques
  • G06N 3/04 - Architecture, p.ex. topologie d'interconnexion
  • G06N 3/08 - Méthodes d'apprentissage
  • G06V 10/764 - Dispositions pour la reconnaissance ou la compréhension d’images ou de vidéos utilisant la reconnaissance de formes ou l’apprentissage automatique utilisant la classification, p.ex. des objets vidéo
  • G06V 10/94 - Architectures logicielles ou matérielles spécialement adaptées à la compréhension d’images ou de vidéos
  • G06N 20/00 - Apprentissage automatique

25.

METHOD, SYSTEM, AND COMPUTER PROGRAM PRODUCT FOR IDENTIFYING SUB-MERCHANTS WITHIN A GLOBAL MERCHANT REPOSITORY

      
Numéro d'application US2023035189
Numéro de publication 2024/081439
Statut Délivré - en vigueur
Date de dépôt 2023-10-16
Date de publication 2024-04-18
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Kumar, Yogesh
  • Natani, Aditya
  • Pandey, Ratan, Kumar
  • Kumar, Vishal
  • Vasudevan, Lakshmi, Narayanan Nadathur

Abrégé

Provided are methods for identifying sub-merchants within a Global Merchant Repository (GMR) that include receiving sub-merchant data associated with one or more sub-merchants, from one or more payment facilitators associated with a plurality of sub-merchants, where the sub-merchant data comprises a Card Acceptor Identifier (CAID) associated with each of the one or more payment facilitators, assigning a plurality of pseudo acquirer identifiers to the sub-merchant data received from each of the one or more payment facilitators, and identifying the one or more sub-merchants in the GMR by mapping the sub-merchant data with transaction data associated with a plurality of merchants in the GMR, based on the plurality of pseudo acquirer identifiers and the CAID associated with the respective payment facilitators. Systems and computer program products are also disclosed.

Classes IPC  ?

26.

DEVICES, SYSTEMS, AND METHODS FOR ENABLING PERSONAL AUTHORIZATION OF FINANCIAL TRANSACTIONS

      
Numéro d'application US2022078001
Numéro de publication 2024/081023
Statut Délivré - en vigueur
Date de dépôt 2022-10-13
Date de publication 2024-04-18
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s) Joshi, Ganesh

Abrégé

A computer-implemented method of dispositioning a transaction associated with a payment account is disclosed herein. The method can include receiving a registration request for a computing device to host transactions associated with the payment account, generating a unique identifier for the computing device, correlating the payment account to the generated unique identifier for the computing device, receiving a transaction authorization request associated with the payment account, and routing the received transaction authorization request associated with the payment account to the computing device for dispositioning based on the correlation. The computing device can host funds associated with the payment account and wherein computing device can be configured to disposition the transaction authorization request in accordance with a predetermined rule.

Classes IPC  ?

  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
  • G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique

27.

METHOD, SYSTEM, AND COMPUTER PROGRAM PRODUCT FOR PROVIDING A FRAMEWORK TO IMPROVE DISCRIMINATION OF GRAPH FEATURES BY A GRAPH NEURAL NETWORK

      
Numéro d'application US2023034715
Numéro de publication 2024/081177
Statut Délivré - en vigueur
Date de dépôt 2023-10-09
Date de publication 2024-04-18
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Chen, Huiyuan
  • Das, Mahashweta
  • Yeh, Michael
  • Zheng, Yan
  • Lai, Vivian, Wan Yin
  • Yang, Hao

Abrégé

Provided are methods for enhancing a distribution of graph feature embeddings in an embedding space to improve discrimination of graph features by a graph neural network (GNN) that may include receiving a dataset comprising graph data associated with a graph, calculating a distance between a first set of node embeddings and a second set of node embeddings, determining a measure of uniformity for the dataset, determining a plurality of groups of node embeddings, determining a measure of alignment for the plurality of groups of node embeddings, generating a set of graph features based on the measure of uniformity, the measure of alignment, and the distance, and training the GNN based on the set of graph features to provide a trained GNN. Systems and computer program products are also disclosed.

Classes IPC  ?

  • G06N 3/045 - Combinaisons de réseaux
  • G06N 3/02 - Réseaux neuronaux
  • G06N 3/042 - Réseaux neuronaux fondés sur la connaissance; Représentations logiques de réseaux neuronaux

28.

SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR GENERATING A MACHINE LEARNING MODEL BASED ON ANOMALY NODES OF A GRAPH

      
Numéro d'application US2023035007
Numéro de publication 2024/081350
Statut Délivré - en vigueur
Date de dépôt 2023-10-12
Date de publication 2024-04-18
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Chen, Yuzhong
  • Wu, Yuhang
  • Pan, Menghai
  • Das, Mahashweta
  • Yang, Hao

Abrégé

Provided are systems that include at least one processor to receive a dataset comprising a set of labeled anomaly nodes, a set of unlabeled anomaly nodes, and a set of normal nodes, randomly sample a node to provide a set of randomly sampled nodes, generate a plurality of new nodes based on the set of labeled anomaly nodes and the set of randomly sampled nodes, combine the plurality of new nodes with the set of labeled anomaly nodes to provide a combined set of labeled anomaly nodes, and train a machine learning model based on an embedding of each labeled anomaly node in the combined set of labeled anomaly nodes, a center of the combined set of labeled anomaly nodes in an embedding space, and a center of the set of normal nodes in the embedding space. Methods and computer program products are also disclosed.

Classes IPC  ?

  • G06N 3/08 - Méthodes d'apprentissage
  • G06N 3/02 - Réseaux neuronaux
  • G06N 5/04 - Modèles d’inférence ou de raisonnement
  • G06N 20/00 - Apprentissage automatique
  • G06F 18/2323 - Techniques non hiérarchiques basées sur la théorie des graphes, p.ex. les arbres couvrants de poids minimal [MST] ou les coupes de graphes
  • G06N 3/04 - Architecture, p.ex. topologie d'interconnexion

29.

TRAVELER THEMATIC DESTINATION SEGMENTATION

      
Numéro d'application 18482578
Statut En instance
Date de dépôt 2023-10-06
Date de la première publication 2024-04-11
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Darwish, Naryman El-Sayed Mohamed Ahmed
  • Nair, Manoj
  • Topcu, Asli Nur
  • Mahanty, Ghanashyama

Abrégé

An event driven system and method for traveler thematic destination segmentation are disclosed. The event driven system includes a processor and a memory coupled to the processor to store machine instructions executable by the processor. When executed by the processor the machine instructions cause the processor to extract clearance and settlement transaction data from a database, prepare the clearance and settlement transaction data, clean geo-data associated with the clearance and settlement transaction data, enrich and standardize the geo-data, scrape theme data associated with a trip from a public network, verify the relevant theme data associated with the trip, enrich and standardize geo-data associated with the relevant theme data associated with the trip, and map the enriched and standardized geo-data associated with the clearance and settlement transaction data to the enriched and standardized geo-data associated with the relevant theme data associated with the trip.

Classes IPC  ?

  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

30.

System, Method, and Computer Program Product for Real-Time Account Level Rule Exclusion for Real-Time Payments

      
Numéro d'application 18390758
Statut En instance
Date de dépôt 2023-12-20
Date de la première publication 2024-04-11
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Misra, Navendu
  • Agarwal, Kavish
  • Agarwal, Nipun
  • Shaik, Juharasha
  • Guggarigoudar, Praveen Kumar Suresh
  • Alagiya, Ravi Rameshbhai
  • Ranjan, Rajiv
  • Kala, Durga S.
  • Masharov, Andrey
  • Li, Xuepeng
  • Pushpak, Anuvind
  • Corbalan Vila, Marc
  • Williams, Stuart Mark

Abrégé

Systems, methods, and computer program products may store, in a distributed cache, a rule associated with a plurality of accounts in a Real-Time Payments (RTP) network, the rule being stored in association with account data associated with the plurality of accounts; receive an account level exclusion directive associated with the account; store, in the distributed cache, the account level exclusion directive in association with the account; receive transaction data associated with a transaction in the RTP network between the account and another account; retrieve, from the distributed cache, the rule, the account level exclusion directive, and the account data associated with the account; exclude, based on the account level exclusion directive, use of the rule for processing the transaction; and process, without applying the rule, the transaction in the RTP network.

Classes IPC  ?

  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
  • G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile

31.

USER VERIFICATION SYSTEM AND METHOD

      
Numéro d'application US2023075941
Numéro de publication 2024/077060
Statut Délivré - en vigueur
Date de dépôt 2023-10-04
Date de publication 2024-04-11
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Chitalia, Jalpesh
  • Shenker, Gavin

Abrégé

A method is disclosed. The method includes receiving, from a client device, a checkout request for a transaction between a user operating the client device and a resource provider operating the resource provider computer. The resource provider computer and the client device communicate via a first communication channel. The method includes obtaining a first one-time code, displaying, the first one-time code to the user on the client device, and determining an indication that the first one-time code matches a second one-time code that was provided by the user through a second communication channel that is different than the first communication channel. The method includes allowing the transaction to continue based on the determination that the first one-time code matches the second one-time code.

Classes IPC  ?

  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
  • G06Q 20/16 - Paiements effectués par le biais de systèmes de télécommunication
  • H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

32.

METHOD, SYSTEM, AND COMPUTER PROGRAM PRODUCT FOR MULTITASK LEARNING ON TIME SERIES DATA

      
Numéro d'application US2023034504
Numéro de publication 2024/076656
Statut Délivré - en vigueur
Date de dépôt 2023-10-05
Date de publication 2024-04-11
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Yeh, Michael
  • Dai, Xin
  • Zheng, Yan
  • Wang, Junpeng
  • Fan, Yujie
  • Chen, Huiyuan
  • Zhuang, Zhongfang
  • Wang, Liang
  • Zhang, Wei

Abrégé

Provided are methods for generating a multitask machine learning model based on time series data, that may include receiving input time series data associated with an input time series of data points, calculating a pairwise distance between the input time series and a plurality of time series templates, providing the pairwise distance as a first input to a building block of a residual neural network, where the residual neural network has a plurality of multi-dimensional convolutional layers; generating a first output of the first building block of the residual neural network based on the first input, generating a final output of the residual neural network based on the first output, and generating a first output of a multitask machine learning model using a first output layer and a second output of the multitask machine learning model using a second output layer. Systems and computer program products are also disclosed.

Classes IPC  ?

  • G06N 3/045 - Combinaisons de réseaux
  • G06N 20/00 - Apprentissage automatique
  • G06N 3/04 - Architecture, p.ex. topologie d'interconnexion
  • G06N 3/08 - Méthodes d'apprentissage
  • H04L 67/50 - Services réseau
  • G06N 5/00 - Agencements informatiques utilisant des modèles fondés sur la connaissance
  • G06N 99/00 - Matière non prévue dans les autres groupes de la présente sous-classe

33.

CARD WITH MAGNET ARRAY

      
Numéro d'application US2022077790
Numéro de publication 2024/076373
Statut Délivré - en vigueur
Date de dépôt 2022-10-07
Date de publication 2024-04-11
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s) Chen, Yuexi

Abrégé

e.g.e.g., payment cards, identification cards, driver's license cards) that are removably attachable to a portable electronic device. In some aspects, the portable electronic device may include a charging coil, a ferromagnetic component disposed about the charging coil, and a ferromagnetic alignment component. The card can include a substrate and a magnet embedded the substrate. The magnet can magnetically couple to the ferromagnetic component disposed about the charging coil.

Classes IPC  ?

  • G06K 19/07 - Supports d'enregistrement avec des marques conductrices, des circuits imprimés ou des éléments de circuit à semi-conducteurs, p.ex. cartes d'identité ou cartes de crédit avec des puces à circuit intégré
  • G06K 19/077 - Supports d'enregistrement avec des marques conductrices, des circuits imprimés ou des éléments de circuit à semi-conducteurs, p.ex. cartes d'identité ou cartes de crédit avec des puces à circuit intégré - Détails de structure, p.ex. montage de circuits dans le support

34.

System, Method, and Computer Program Product for Testing a Machine Learning Model Based on Simulations in an Offline Environment

      
Numéro d'application 17959398
Statut En instance
Date de dépôt 2022-10-04
Date de la première publication 2024-04-04
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Rahman, Md Sharifur
  • Cheng, Yinhe
  • Chen, Feng
  • Gu, Yu

Abrégé

Provided is a system for testing a machine learning (ML) model based on simulations in an offline environment that includes at least one processor programmed or configured to receive historical transaction data, generate online simulation data, wherein generating the online simulation data includes modifying the historical timestamp of each data record to provide online simulation data. The processor is further programmed or configured to determine a timeline for a plurality of data insertion actions and a plurality of data request actions based on the online simulation data, perform a simulation of online activities involving a stateful ML model using the timeline for the plurality of data insertion actions and the plurality of data request actions, and validate the stateful ML model based on the simulation of online activities. Methods and computer program products are also provided.

Classes IPC  ?

  • G06N 5/02 - Représentation de la connaissance; Représentation symbolique

35.

SEMI-SUPERVISED SYSTEM FOR DOMAIN SPECIFIC SENTIMENT LEARNING

      
Numéro d'application US2023074988
Numéro de publication 2024/073327
Statut Délivré - en vigueur
Date de dépôt 2023-09-25
Date de publication 2024-04-04
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Wang, Sheng
  • Wu, Peng
  • Wang, Xutong
  • Wang, Dan
  • Yuan, Jie

Abrégé

Automated computer systems and methods to determine a sentiment of information in digital information or content are disclosed. One aspect includes deriving, by a processor, the digital information from a source; generating, by the processor, a domain-specific machine learning sentiment score, based on the digital information, by one model of at least two machine learning models; autonomously mapping, by the processor, a non-domain specific knowledge graph of associations between elements in a set of digital contextual information; receiving, by the processor, sentiment graphs, each sentiment graph defining a sentiment; generating, by the processor, a graph sentiment score based on the non-domain specific knowledge graph and the sentiment graphs; generating, by the processor, a final sentiment score based on the graph sentiment score and the domain-specific machine learning sentiment score; and determining the sentiment of the information in the digital information or content via the final sentiment score.

Classes IPC  ?

  • G06F 40/30 - Analyse sémantique
  • G06F 40/279 - Reconnaissance d’entités textuelles
  • G06F 16/901 - Indexation; Structures de données à cet effet; Structures de stockage
  • G06F 16/36 - Création d’outils sémantiques, p.ex. ontologie ou thésaurus
  • G06F 16/35 - Groupement; Classement
  • G06F 16/31 - Indexation; Structures de données à cet effet; Structures de stockage
  • G06N 20/00 - Apprentissage automatique

36.

ENTITY LINKING USING SUBGRAPH MATCHING

      
Numéro d'application US2023075006
Numéro de publication 2024/073338
Statut Délivré - en vigueur
Date de dépôt 2023-09-25
Date de publication 2024-04-04
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Wang, Sheng
  • Wang, Xutong
  • Yuan, Jie
  • Wu, Peng
  • Wang, Dan

Abrégé

Systems and methods for entity linking using a graph neural network are disclosed. In one aspect, a method for entity linking can include extracting a first attribute set of an unknown entity from an information source and retrieving second attribute sets of known entities from a database, wherein each of the second attribute sets corresponds to one of the known entities. The method can further include generating an unknown entity graph based on the first attribute set, generating known entity graphs based on the second attribute sets, generating an unknown entity graph embedding by applying the unknown entity graph to a graph neural network, and generating known entity graph embeddings by applying the known entity graphs to the graph neural network. The method can further include assigning the information source to one of the known entities based on the unknown entity graph embedding and the known entity graph embeddings.

Classes IPC  ?

  • G06F 16/901 - Indexation; Structures de données à cet effet; Structures de stockage
  • G06F 16/904 - Navigation; Visualisation à cet effet
  • G06F 16/907 - Recherche caractérisée par l’utilisation de métadonnées, p.ex. de métadonnées ne provenant pas du contenu ou de métadonnées générées manuellement
  • G06N 3/0464 - Réseaux convolutifs [CNN, ConvNet]
  • G06N 7/01 - Modèles graphiques probabilistes, p.ex. réseaux probabilistes

37.

DEVICES, SYSTEMS, AND METHODS FOR ENHANCING TRANSACTIONS VIA A BLOCKCHAIN NETWORK

      
Numéro d'application US2023075423
Numéro de publication 2024/073602
Statut Délivré - en vigueur
Date de dépôt 2023-09-28
Date de publication 2024-04-04
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Rubin, David
  • Oliver, Samuel
  • Verry, Sarah

Abrégé

A method for personalizing a transaction via a blockchain network via payment network is disclosed herein. The method can include receiving an application programming interface ("API") call from a computing device of a user, wherein the API call includes a private key, a public key, and a unique identifier, detecting, a non-fungible token ("NFT") on the blockchain network based on the public key, authenticating the NFT asset on the blockchain network based on the private key, storing an NFT asset associated with the NFT, the private key, the public key, and the unique identifier upon authenticating the NFT, associating the unique identifier with the NFT upon authenticating the NFT, and transmitting the NFT asset to the computing device of the user, wherein the NFT asset is configured for use in association with a transaction associated with the unique identifier.

Classes IPC  ?

  • H04L 9/00 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité
  • H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

38.

EFFICIENT DATA PROCESSING USING DATA AGGREGATOR

      
Numéro d'application RU2022000294
Numéro de publication 2024/072252
Statut Délivré - en vigueur
Date de dépôt 2022-09-27
Date de publication 2024-04-04
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Nayak, Koni Uttam
  • Sathyanarayana Naga, Harsha

Abrégé

A method is disclosed. The method includes receiving, by a processing computer, a payout validate message for a transaction from an aggregator computer, which receives a payout inquiry message from an originator computer of a plurality of originator computers. The aggregator computer is in communication with the plurality of originator computers. The payout inquiry message and the payout validate message can comprise a transaction amount for the transaction. The processing computer validates the payout validate message, and then transmits a payout validate response message to the aggregator computer. The payout validate response message comprises data regarding validation of the payout validate message. After transmitting the payout validate response message to the aggregator computer, the method includes receiving, by the processing computer, from the aggregator computer, a payout message. The method also includes transmitting, by the processing computer, a payout response message to the aggregator computer.

Classes IPC  ?

  • G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile

39.

METHOD, SYSTEM, AND COMPUTER PROGRAM PRODUCT FOR UNIVERSAL DEPTH GRAPH NEURAL NETWORKS

      
Numéro d'application US2023033814
Numéro de publication 2024/072856
Statut Délivré - en vigueur
Date de dépôt 2023-09-27
Date de publication 2024-04-04
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Yan, Yuchen
  • Chen, Yuzhong
  • Das, Mahashweta
  • Yang, Hao

Abrégé

dddd is a trainable depth parameter.

Classes IPC  ?

  • G06F 16/901 - Indexation; Structures de données à cet effet; Structures de stockage
  • G06N 3/02 - Réseaux neuronaux
  • G06N 3/04 - Architecture, p.ex. topologie d'interconnexion
  • G06N 20/00 - Apprentissage automatique
  • G06N 3/00 - Agencements informatiques fondés sur des modèles biologiques

40.

MULTI-DIRECTIONAL WALLET CONNECTOR APPARATUSES, METHODS AND SYSTEMS

      
Numéro d'application 18479018
Statut En instance
Date de dépôt 2023-09-30
Date de la première publication 2024-04-04
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Purves, Thomas
  • Mahadkar, Shilpak
  • Theurer, Tenni
  • Hammad, Ayman

Abrégé

The W-CONNECTOR (“W-CONNECTOR”) facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The W-CONNECTOR may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet.

Classes IPC  ?

  • G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
  • G06Q 20/28 - Schémas de prépaiement, c. à d. de "paiement préalable"
  • G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques

41.

System, Method, and Computer Program Product for Maintaining User Privacy in Group Transactions

      
Numéro d'application 18530838
Statut En instance
Date de dépôt 2023-12-06
Date de la première publication 2024-04-04
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Eskandarian, Saba
  • Mohassel, Payman
  • Christodorescu, Mihai

Abrégé

Methods are provided for maintaining user privacy, and may include establishing a secret key for communication between a plurality of user devices, the plurality of user devices including a first user device associated with a requesting user and a second user device associated with a second user, wherein at least one server computer does not have access to the secret key; receiving from the first user device, a split-payment request message comprising encrypted data, the encrypted data included in the split-payment request message encrypted based on the secret key; generating an encrypted balance for the requesting user and the second user based on the encrypted data of the split-payment request message; and transmitting to the second user device, a split-payment confirmation message including the encrypted balance for the requesting user and/or the second user. Systems and computer program products are also provided.

Classes IPC  ?

  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
  • G06Q 20/22 - Schémas ou modèles de paiement
  • H04L 9/00 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité
  • H04L 9/08 - Répartition de clés

42.

TOKEN BASED SYSTEM FOR VALUE TRANSFERS

      
Numéro d'application 18264900
Statut En instance
Date de dépôt 2022-02-17
Date de la première publication 2024-04-04
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Xu, Minghua
  • Jin, Shan

Abrégé

A method is disclosed. The method comprises generating, by sender device or a sender computer associated with a sender, a base token in a token space associated with parameters. The base token can comprise one or more token attributes within the parameters, and an amount. The base token can then be signed, by the sender device or the sender computer, to form a minted token. The method may then include transmitting, by the sender device to a receiver device, a transfer request comprising the minted token.

Classes IPC  ?

  • G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
  • G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

43.

ENTITY LINKING USING A GRAPH NEURAL NETWORK

      
Numéro d'application US2022077290
Numéro de publication 2024/072453
Statut Délivré - en vigueur
Date de dépôt 2022-09-29
Date de publication 2024-04-04
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Wang, Sheng
  • Wang, Xutong
  • Yuan, Jie
  • Wang, Dan

Abrégé

Entity linking using a graph neural network is disclosed. Entity linking can include tokenizing an unknown name, tokenizing a known name from a set of known names, identifying a candidate from the set of known names, and generating a tripartite graph. The tripartite graph can include a first layer node corresponding to the unknown name, second layer nodes corresponding to words of the known name and the candidate, and a third layer node corresponding to the candidate. The method can further include assigning the unknown name to one of the known names by applying the tripartite graph to a graph neural network model.

Classes IPC  ?

  • G06N 3/08 - Méthodes d'apprentissage
  • G06N 3/04 - Architecture, p.ex. topologie d'interconnexion
  • G06F 40/284 - Analyse lexicale, p.ex. segmentation en unités ou cooccurrence
  • G06F 16/901 - Indexation; Structures de données à cet effet; Structures de stockage

44.

SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR DETERMINING INFLUENCE OF A NODE OF A GRAPH ON A GRAPH NEURAL NETWORK

      
Numéro d'application US2023033802
Numéro de publication 2024/072848
Statut Délivré - en vigueur
Date de dépôt 2023-09-27
Date de publication 2024-04-04
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Jiang, Zhimeng
  • Chen, Huiyuan
  • Xu, Han
  • Pan, Menghai
  • Li, Xiaoting
  • Das, Mahashweta
  • Yang, Hao

Abrégé

Systems, methods, and computer program products are provided for determining influence of a node of a graph on a graph neural network (GNN). The method includes receiving a dataset including graph data associated with a graph. The method may further include selecting a target node of a plurality of nodes based on the graph data and determining target node data associated with the target node and target edge data associated with the target node. The method may further include removing the target node data and the target edge data from the dataset to provide a target graph dataset; determining a measure of influence of the target node on a GNN based on the target graph dataset, wherein the GNN was trained using the dataset; and performing an action based on the measure of influence of the target node on the GNN.

Classes IPC  ?

  • G06N 3/08 - Méthodes d'apprentissage
  • G06N 3/042 - Réseaux neuronaux fondés sur la connaissance; Représentations logiques de réseaux neuronaux
  • G06N 3/045 - Combinaisons de réseaux
  • G06N 3/10 - Interfaces, langages de programmation ou boîtes à outils de développement logiciel, p.ex. pour la simulation de réseaux neuronaux
  • G06N 20/20 - Techniques d’ensemble en apprentissage automatique

45.

CONTACTLESS TRANSACTION RECTIFICATION SYSTEM AND METHOD

      
Numéro d'application US2023074498
Numéro de publication 2024/073266
Statut Délivré - en vigueur
Date de dépôt 2023-09-18
Date de publication 2024-04-04
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Dutta, Esha
  • Mitchley, Geraldine

Abrégé

A method is disclosed. It includes prompting, by a second user device operated by a second user, a first user to interact a portable device of the first user with the second user device in a transaction and then receiving interaction data comprising a credential or token, from the portable device in a contactless communication. The method also includes determining that the transaction cannot be completed without further interaction by the first user, and responsive to determining that the transaction cannot be completed, providing at least one alternate transaction option for the first user. The method also includes receiving, from the first user, a selection of an alternate transaction option from the at least one alternate transaction option, and processing the transaction according to the selected alternate transaction option.

Classes IPC  ?

  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
  • G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance

46.

WEB SITE COMPROMISE DETECTION

      
Numéro d'application 18527901
Statut En instance
Date de dépôt 2023-12-04
Date de la première publication 2024-03-28
Propriétaire Visa International Service Association (USA)
Inventeur(s) Cleveland, Sam

Abrégé

A Web site comprise detection method and system are disclosed. The method includes obtaining a resource identifier associated with a remote computer, and then receiving source code associated with the resource identifier. The method also includes parsing the source code, analyzing the source code to determine an indicator of compromise is present in the source code, determining that the indicator of compromise is associated with malware meta-data, and storing the resource identifier associated with the source code associated with the malware meta-data in a database.

Classes IPC  ?

  • H04L 9/40 - Protocoles réseaux de sécurité

47.

System, Method, and Computer Program Product for Learning Continuous Embedding Space of Real Time Payment Transactions

      
Numéro d'application 18533815
Statut En instance
Date de dépôt 2023-12-08
Date de la première publication 2024-03-28
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Cao, Shi
  • Tian, Xiao
  • Chetia, Chiranjeet

Abrégé

Methods, systems, and computer program products for learning continuous embedding space of real time payment (RTP) transactions are provided. A method may include receiving RTP data including a plurality of attributes, including a sender and a receiver. One attribute is selected as a target attribute. The remaining attributes are input into a first machine learning model (e.g., NLP model), comprising at least one embedding layer and one hidden layer, which is trained to predict the target attribute. After the model is trained, each of the remaining attributes are converted to a first vector using the at least one embedding layer of the machine learning model to form a first set of vectors. The first set of vectors are stored and subsequently input into a second machine learning model to perform at least one second task different than the first task.

Classes IPC  ?

  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
  • G06N 5/022 - Ingénierie de la connaissance; Acquisition de la connaissance
  • G06N 5/04 - Modèles d’inférence ou de raisonnement

48.

SYSTEMS AND METHODS FOR IMPROVED FRAUD DETECTION

      
Numéro d'application 18534178
Statut En instance
Date de dépôt 2023-12-08
Date de la première publication 2024-03-28
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Kala, Durga S.
  • Tsai, Kenny
  • Shaik, Juharasha
  • Khare, Aditi

Abrégé

A computer-implemented method comprising providing a graphical user interface for user selection of fraud rules that comprises fraud transaction parameters determined based on transaction parameters included in a plurality of known fraudulent transactions. The GUI also comprises high risk merchants with a fraud rate that exceeds a threshold fraud rate. The method includes receiving a user selection of fraud rules relating to at least the fraud transaction parameters, the high risk merchants, and the high frequency merchants. The method includes receiving test transaction data including at least one transaction parameter and at least one merchant associated with the test transaction, applying the fraud rules to the received transaction data to identify probable fraudulent transactions.

Classes IPC  ?

  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
  • G06N 20/20 - Techniques d’ensemble en apprentissage automatique
  • G06Q 20/42 - Confirmation, p.ex. contrôle ou autorisation de paiement par le débiteur légal

49.

DATA PROCESSING UTILIZING A DIGITAL TAG

      
Numéro d'application 18533061
Statut En instance
Date de dépôt 2023-12-07
Date de la première publication 2024-03-28
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s) Singhal, Ankush

Abrégé

A method is disclosed and includes receiving a push transfer message with a first transaction amount, and a digital tag, a credential or a token from an application server computer, in a transaction. In the transaction, a first user using a first user device interacts with a second user using the digital tag. The digital tag associated with the credential or the token, and the first user device has a transfer application that receives the digital tag and is in communication with the application server computer. The push transfer message is transmitted to an authorizing entity computer where a second amount is credited to the second user's account.

Classes IPC  ?

  • G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
  • H04L 67/55 - Services réseau par poussée

50.

Method and System for Enabling Speaker De-Identification in Public Audio Data by Leveraging Adversarial Perturbation

      
Numéro d'application 18276696
Statut En instance
Date de dépôt 2022-02-10
Date de la première publication 2024-03-28
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Zhang, Yangyong
  • Shirvanian, Maliheh
  • Arora, Sunpreet Singh

Abrégé

Provided is a method for enabling speaker de-identification in public audio data by leveraging adversarial perturbation. The method may include receiving audio data associated with at least one voice sample. One or more of the voice sample(s) may be perturbed toward an edge of a decision boundary of at least one classifier model. One pitch of each voice sample may be perturbed to shift each voice sample across the decision boundary of the at least one classifier model to provide at least one de-identified voice sample. A media file with the at least one de-identified voice sample may be encoded. A system and computer program product are also disclosed.

Classes IPC  ?

  • G10L 21/013 - Adaptation à la hauteur tonale ciblée
  • G10L 25/18 - Techniques d'analyses de la parole ou de la voix qui ne se limitent pas à un seul des groupes caractérisées par le type de paramètres extraits les paramètres extraits étant l’information spectrale de chaque sous-bande
  • G10L 25/90 - Détermination de la hauteur tonale des signaux de parole

51.

BLOCKCHAIN SYSTEM FOR CONFIDENTIAL AND ANONYMOUS SMART CONTRACTS

      
Numéro d'application 18515159
Statut En instance
Date de dépôt 2023-11-20
Date de la première publication 2024-03-21
Propriétaire
  • VISA INTERNATIONAL SERVICE ASSOCIATIN (USA)
  • The Board of Trustees of the Leland Stanford Junior University (USA)
Inventeur(s)
  • Agrawal, Shashank
  • Bünz, Karl Benedikt
  • Zamani, Mahdi
  • Boneh, Dan

Abrégé

Blockchain-based, smart contract platforms have great promise to remove trust and add transparency to distributed applications. However, this benefit often comes at the cost of greatly reduced privacy. Techniques for implementing a privacy-preserving smart contract is described. The system can keep accounts private while not losing functionality and with only a limited performance overhead. This is achieved by building a confidential and anonymous token on top of a cryptocurrency. Multiple complex applications can also be built using the smart contract system.

Classes IPC  ?

  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • G06Q 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
  • G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
  • H04L 9/00 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité
  • H04L 9/06 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité l'appareil de chiffrement utilisant des registres à décalage ou des mémoires pour le codage par blocs, p.ex. système DES
  • H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

52.

ANONYMIZING TIME-SERIES DATA USING MATRIX PROFILE

      
Numéro d'application US2023073933
Numéro de publication 2024/059538
Statut Délivré - en vigueur
Date de dépôt 2023-09-12
Date de publication 2024-03-21
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Der, Audrey
  • Yeh, Michael
  • Zheng, Yan
  • Wang, Junpeng
  • Chen, Huiyuan
  • Zhuang, Zhongfang
  • Wang, Liang
  • Zhang, Wei

Abrégé

Methods and systems for anonymizing time-series data are disclosed. An anonymizing computer can generate an anonymized sequence of time-series data that can share many useful properties, patterns, or characteristics with a private sequence of time-series data, without revealing sensitive or private information about the private sequence of time-series data. This may enable data researchers and scientists to study the anonymized sequence of time-series data in lieu of the private sequence of time-series data, thereby preserving the privacy of data subjects (e.g., people) corresponding to the private sequence of time-series data. The anonymized sequence of time-series data can be generated using an iterative optimization process that can involve updating the anonymized sequence of time-series data to minimize a loss value. The loss value can correspond to both the utility and privacy of the anonymized sequence of time-series data.

Classes IPC  ?

  • G06F 21/62 - Protection de l’accès à des données via une plate-forme, p.ex. par clés ou règles de contrôle de l’accès

53.

REMOTE TRANSACTION VERIFICATION

      
Numéro d'application 17945852
Statut En instance
Date de dépôt 2022-09-15
Date de la première publication 2024-03-21
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Rao, Sindhu Shankar
  • Shukla, Vaibhav

Abrégé

A method includes a host computer creating a log file containing data used to determine if the host computer is being controlled by a viewer computer. The host computer transmits an interaction request message comprising the log file to an authentication server computer. The authentication server computer determines if an interaction associated with the interaction request message is authentic or not authentic.

Classes IPC  ?

  • H04L 9/40 - Protocoles réseaux de sécurité

54.

CONTINUOUS TESTING FOR DISTRIBUTED SYSTEM TO CONTROL BREAKING CHANGE

      
Numéro d'application 17947683
Statut En instance
Date de dépôt 2022-09-19
Date de la première publication 2024-03-21
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Hegadi, Vivek Gangadhar
  • Nandan, Sudipto
  • Achazhiyathkalathil, Sreejith
  • Arumugam, Arullroja

Abrégé

A method is configured to perform a continuous software testing. A processor receives, from a code developer computer, a request to commit a code portion for a microservice to a code repository including a source code for a plurality of microservices. The processor executes, using the source code into which the code portion is incorporated, a test transaction routine including tests respectively associated with the plurality of microservices. The processor determines if one or more errors occurred in response to the executing the test transaction routine. If no errors occurred, the code portion is committed to the code repository, and, if one or more errors occurred, a notification is sent to the code developer computer regarding the one or more errors without committing the code portion to the code repository.

Classes IPC  ?

  • G06F 11/36 - Prévention d'erreurs en effectuant des tests ou par débogage de logiciel

55.

Method, System, and Computer Program Product for Generating Robust Graph Neural Networks Using Universal Adversarial Training

      
Numéro d'application 18286799
Statut En instance
Date de dépôt 2023-02-17
Date de la première publication 2024-03-21
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Chen, Huiyuan
  • Wang, Fei
  • Yang, Hao

Abrégé

Described are a method, system, and computer program product for generating robust graph neural networks using universal adversarial training. The method includes receiving a graph neural network (GNN) model and a bipartite graph including an adjacency matrix, initializing model parameters of the GNN model, initializing perturbation parameters, and sampling a subgraph of a complementary graph based on the bipartite graph. The method further includes repeating until convergence of the model parameters: drawing a random variable from a uniform distribution; generating a universal perturbation matrix based on the subgraph, the random variable, and the perturbation parameters; determining Bayesian Personalized Ranking (BPR) loss by inputting the bipartite graph and the universal perturbation matrix to the GNN model; updating the perturbation parameters based on stochastic gradient ascent; and updating the model parameters based on stochastic gradient descent. The method further includes, in response to convergence of the model parameters, outputting the model parameters.

Classes IPC  ?

56.

System, Method, and Computer Program Product for Generating Synthetic Graphs That Simulate Real-Time Transactions

      
Numéro d'application 18272810
Statut En instance
Date de dépôt 2022-01-19
Date de la première publication 2024-03-14
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Tian, Xiao
  • Das, Mahashweta
  • Chetia, Chiranjeet

Abrégé

Provided is a computer-implemented method for generating synthetic graphs that simulate real-time payment transactions that includes generating a base payment graph includes a plurality of nodes and a plurality of edges connecting the plurality of nodes, wherein each node represents an entity and each edge represents a probability that a real-time-payment transaction may be conducted involving two entities that are connected by the edge, wherein the real-time payment transaction is artificially created, generating a plurality of dynamic payment graphs based on the base payment graph, inserting patterns representing adversarial activity into the plurality of dynamic payment graphs, and performing an action associated with a machine learning technique using the plurality of dynamic payment graphs. Systems and computer program products are also provided.

Classes IPC  ?

  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

57.

System, Method, and Computer Program Product for Analyzing a Relational Database Using Embedding Learning

      
Numéro d'application 18509465
Statut En instance
Date de dépôt 2023-11-15
Date de la première publication 2024-03-14
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Yeh, Michael
  • Gou, Liang
  • Zhang, Wei
  • Gelda, Dhruv
  • Zhuang, Zhongfang
  • Zheng, Yan

Abrégé

Provided are systems for analyzing a relational database using embedding learning that may include at least one processor programmed or configured to generate one or more entity-relation matrices from a relational database and perform, for each entity-relation matrix of the one or more entity-relation matrices, an embedding learning process on an embedding associated with an entity. When performing the embedding learning process on the embedding associated with the entity, the at least one processor is programmed or configured to generate an updated embedding associated with the entity. Computer-implemented methods and computer program products are also provided.

Classes IPC  ?

  • G06F 16/28 - Bases de données caractérisées par leurs modèles, p.ex. des modèles relationnels ou objet
  • G06F 16/23 - Mise à jour
  • G06N 3/08 - Méthodes d'apprentissage

58.

WIRELESS BIOMETRIC AUTHENTICATION SYSTEM AND METHOD

      
Numéro d'application 18513136
Statut En instance
Date de dépôt 2023-11-17
Date de la première publication 2024-03-14
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Wagner, Kim R.
  • Sheets, John F.
  • Nelsen, Mark Allen

Abrégé

Embodiments of the invention involve using biometric templates to wirelessly authenticate individuals. In one embodiment, a mobile device may generate a first biometric template and a first public value from a first biometric sample of a user and generate a first cryptographic key by passing the first biometric template to a fuzzy extractor's generate function. An access device may generate a second biometric template from a second biometric sample of the user, generate a second secret cryptographic key by passing the second biometric template and the first public value to the fuzzy extractor's reproduce function, encrypt the second biometric template with the second secret cryptographic key, and broadcast the encrypted template to a plurality of nearby mobile devices including the mobile device. If the mobile device is able to decrypt the encrypted template with the first cryptographic key, the access device can associate the user with the mobile device.

Classes IPC  ?

  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
  • G06F 18/22 - Critères d'appariement, p.ex. mesures de proximité
  • G06F 21/32 - Authentification de l’utilisateur par données biométriques, p.ex. empreintes digitales, balayages de l’iris ou empreintes vocales
  • G06F 21/45 - Structures ou outils d’administration de l’authentification
  • G06N 7/02 - Agencements informatiques fondés sur des modèles mathématiques spécifiques utilisant la logique floue
  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • G06V 10/75 - Appariement de motifs d’image ou de vidéo; Mesures de proximité dans les espaces de caractéristiques utilisant l’analyse de contexte; Sélection des dictionnaires
  • G06V 40/50 - Traitement de données biométriques ou leur maintenance
  • H04L 9/08 - Répartition de clés
  • H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
  • H04W 12/06 - Authentification

59.

NEIGHBORHOOD-SPECIFIC LOSS FOR CORRECTING SCORE DISTRIBUTION DISTORTION

      
Numéro d'application 17944984
Statut En instance
Date de dépôt 2022-09-14
Date de la première publication 2024-03-14
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s) Yang, Pei

Abrégé

A method is disclosed. The method includes receiving a training dataset including a set of training samples. The method then includes obtaining a first parameter value and a second parameter value. After the parameters are determined, the training dataset can be fed into a machine learning model to train the machine learning model using a neighborhood-specific loss function. The method can then include receiving a second dataset including a set of second samples. Each second sample can then be input into the trained machine learning model to determine a prediction score for each second sample, and the prediction scores can form a bimodal distribution centered around the first parameter and the second parameter.

Classes IPC  ?

60.

SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR SEGMENTING A NON-FUNGIBLE TOKEN

      
Numéro d'application US2022042825
Numéro de publication 2024/054206
Statut Délivré - en vigueur
Date de dépôt 2022-09-08
Date de publication 2024-03-14
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Vyas, Surendra
  • Bhattacharya, Som Madhab

Abrégé

Provided are systems, methods, and computer program products for segmenting a master non-fungible token (NFT). The method includes minting an NFT on a blockchain network, segmenting the master NFT into a plurality of segments, each segment of the plurality of segments corresponding to at least one asset of a plurality of assets on the blockchain network, issuing assets of the plurality of assets to a plurality of users based on the plurality of users conducting eligible transactions, validating a request from a user of the plurality of users based on determining that the user has possession of a set of assets of the plurality of assets corresponding to the plurality of segments, and in response to validating the request, transferring the master NFT to the user via the blockchain network.

Classes IPC  ?

  • G06Q 30/0226 - Systèmes d’incitation à un usage fréquent, p.ex. programmes de miles pour voyageurs fréquents ou systèmes de points
  • G06Q 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement

61.

System, method, and computer program product for consent management

      
Numéro d'application 18029701
Numéro de brevet 11928241
Statut Délivré - en vigueur
Date de dépôt 2023-03-31
Date de la première publication 2024-03-12
Date d'octroi 2024-03-12
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Bella, Kimberly E.
  • Baid, Nirmal Kumar
  • Hedges, Jr., Robert B.
  • Henstock, David Alan
  • Velur, Shashi Kumar
  • Gupta, Sonia
  • Hong, Cindy
  • Twichell, Jonathan

Abrégé

A system, method, and computer program product are provided for consent management. A method may include receiving a first data request for user data associated with a user, the user data stored in a user data database; communicating a consent request to the requester system; receiving a consent response from the requester system; storing consent data associated with the consent response for the user data requested in the first data request in an immutable ledger; receiving a consent verification request from the user data database, the consent verification request based on a second data request for the user data from the requester system to the user data database; verifying the consent verification request based on the consent data; and communicating a consent verification response to the user data database, the consent verification response indicating consent from the user to share the user data with the requester system.

Classes IPC  ?

  • G06F 21/62 - Protection de l’accès à des données via une plate-forme, p.ex. par clés ou règles de contrôle de l’accès
  • G06F 16/23 - Mise à jour

62.

TOKEN STATE SYNCHRONIZATION

      
Numéro d'application 18506280
Statut En instance
Date de dépôt 2023-11-10
Date de la première publication 2024-03-07
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Shankar, Ramesh
  • Sullivan, Brian
  • Mohammed, Sayeed
  • Shenker, Gavin
  • Nassar, Richard
  • Valdez, Clyde
  • Hill, Jonathan

Abrégé

Techniques for managing an application token may include providing, by a first service provider application on a communication device to a first service provider computer, a first request for a first application token, receiving, by an account management application on the communication device from a token service computer in communication with the first service provider computer, the first application token, and storing the first application token in a token container in the account management application.

Classes IPC  ?

  • G06F 21/60 - Protection de données
  • G06F 21/33 - Authentification de l’utilisateur par certificats
  • G06F 21/44 - Authentification de programme ou de dispositif
  • G06F 21/62 - Protection de l’accès à des données via une plate-forme, p.ex. par clés ou règles de contrôle de l’accès
  • H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

63.

MOBILE USER AUTHENTICATION SYSTEM AND METHOD

      
Numéro d'application 18261569
Statut En instance
Date de dépôt 2022-01-14
Date de la première publication 2024-03-07
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Chen, Yuexi
  • Nazir, Sirajuddin

Abrégé

Methods and systems for mobile cardholder authentication are provided. An access device can obtain interaction data produced during an interaction between a user and the resource provider computer in which the user attempts to obtain a resource from a resource provider and user device data comprising a cryptogram and supplemental data from the user device or another user device operated by the user. The cryptogram of the user device can be validated and the interaction data and user device data can be compared to determine that the user interacting with the access device is the same user as the user that interacted with the resource provider computer. The access device can provide an indication that the resource will be provided to the user responsive to determining that the user interacting with the access device is the same user as the user that interacted with the resource provider computer.

Classes IPC  ?

  • G06F 21/35 - Authentification de l’utilisateur impliquant l’utilisation de dispositifs externes supplémentaires, p.ex. clés électroniques ou cartes à puce intelligentes communiquant sans fils
  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
  • H04W 12/069 - Authentification utilisant des certificats ou des clés pré-partagées
  • H04W 12/47 - Dispositions de sécurité utilisant des modules d’identité utilisant la communication en champ proche [NFC] ou des modules d’identification par radiofréquence [RFID]

64.

INTERACTION CHANNEL BALANCING

      
Numéro d'application 18261630
Statut En instance
Date de dépôt 2021-01-22
Date de la première publication 2024-03-07
Propriétaire Visa International Service Association (USA)
Inventeur(s) Price, Benjamin

Abrégé

A method includes establishing, with a second computer, a first interaction channel with a first initial value associated with the first computer and a second initial value associated with the second computer, and recording them on a blockchain. The method includes conducting with the second computer, a plurality of interactions without recording the interactions on the blockchain. After that, the method includes determining a first current value associated with the first computer, which is than the first initial value. The method also includes initiating a transfer of transfer value from the first computer to a third computer. The method also includes conducting, with the second computer, an update interaction to update of the first current value by the transfer value to obtain a second current value, the second current value used by the first computer in the first interaction channel.

Classes IPC  ?

  • G06Q 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
  • H04L 9/00 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité

65.

System, Method, and Computer Program Product for Dynamic Node Classification in Temporal-Based Machine Learning Classification Models

      
Numéro d'application 18271301
Statut En instance
Date de dépôt 2023-01-30
Date de la première publication 2024-03-07
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Sun, Jiarui
  • Gu, Mengting
  • Yeh, Michael
  • Wang, Liang
  • Zhang, Wei

Abrégé

Described are a system, method, and computer program product for dynamic node classification in temporal-based machine learning classification models. The method includes receiving graph data of a discrete time dynamic graph including graph snapshots, and node classifications associated with all nodes in the discrete time dynamic graph. The method includes converting the discrete time dynamic graph to a time-augmented spatio-temporal graph and generating an adjacency matrix based on a temporal walk of the time-augmented spatio-temporal graph. The method includes generating an adaptive information transition matrix based on the adjacency matrix and determining feature vectors based on the nodes and the node attribute matrix of each graph snapshot. The method includes generating and propagating initial node representations across information propagation layers using the adaptive information transition matrix and classifying a node of the discrete time dynamic graph subsequent to the first time period based on final node representations.

Classes IPC  ?

  • G06N 3/049 - Réseaux neuronaux temporels, p.ex. éléments à retard, neurones oscillants ou entrées impulsionnelles
  • G06F 17/16 - Calcul de matrice ou de vecteur

66.

TRANSACTION CODE ACCOUNT BASED PAYMENT SYSTEM

      
Numéro d'application US2022075714
Numéro de publication 2024/049469
Statut Délivré - en vigueur
Date de dépôt 2022-08-31
Date de publication 2024-03-07
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Arachchige, Chathura Pradbuddha Ganegoda
  • Ahmed, Fahim

Abrégé

Various systems and methods of anonymously conducting a secured payment transaction between a consumer and a merchant are disclosed. The methods can be carried out at a transaction code computer in communication with an alias directory. According to the method a transaction code computer receives a request for a dynamic transaction code from a merchant computer. The request includes a merchant alias identifier. The transaction code computer queries an alias directory storing merchant information details. The transaction code computer validates the merchant with the alias directory based on the merchant alias identifier. The transaction code computer generates the dynamic transaction code and transmits a response to the request for the dynamic transaction code to the merchant computer.

Classes IPC  ?

  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
  • G06F 16/955 - Recherche dans le Web utilisant des identifiants d’information, p.ex. des localisateurs uniformisés de ressources [uniform resource locators - URL]
  • G06K 19/06 - Supports d'enregistrement pour utilisation avec des machines et avec au moins une partie prévue pour supporter des marques numériques caractérisés par le genre de marque numérique, p.ex. forme, nature, code

67.

VIRTUAL ACCESS CREDENTIAL INTERACTION SYSTEM AND METHOD

      
Numéro d'application 18504079
Statut En instance
Date de dépôt 2023-11-07
Date de la première publication 2024-02-29
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATON (USA)
Inventeur(s)
  • Verstraeten, Gilles
  • Sousa, Pedro
  • Pettit, Mark
  • Mitra, Prarthana

Abrégé

A method includes an authorizing entity computer receiving a request for a virtual access credential from a communication device operated by a user. The authorizing entity computer can then transmit the virtual access credential to the communication device operated by the user. The authorizing entity computer can then receive an authorization request message comprising the virtual access credential from an access device associated with a resource provider for an interaction between the user and the resource provider. The authorizing entity computer can then determine an account identifier linked to the virtual access credential. The account identifier being associated with an account maintained by an external entity computer that is external to the authorizing entity computer. The authorizing entity computer can then determine that the interaction is authorized based upon determining the account identifier associated with the virtual access credential.

Classes IPC  ?

  • H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

68.

SYSTEM AND METHOD FOR PERFORMING DEVICE ISOLATION IN AN AUTHENTICATION NETWORK

      
Numéro d'application US2023030398
Numéro de publication 2024/044081
Statut Délivré - en vigueur
Date de dépôt 2023-08-16
Date de publication 2024-02-29
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • G S, Nithyaraj
  • Wickes, David

Abrégé

In some embodiments, a method includes monitoring behavior patterns of a plurality of devices associated with a user in an authentication network; generating a behavioral accuracy score for each device of the plurality of devices in the authentication network based on the behavior patterns of each device of the plurality of devices; generating a deviation score for each device of the plurality of devices based on a deviation in behavior of each device of the plurality of devices from conventional device behavior; and using the behavioral accuracy score and the deviation score to determine whether to isolate a device of the plurality of devices from the authentication network. In some embodiments, the method further includes determining whether the behavioral accuracy score of a first device of the plurality of devices is within a first behavioral accuracy score category, a second behavioral accuracy score category, or a third behavioral accuracy score category.

Classes IPC  ?

  • G06F 21/71 - Protection de composants spécifiques internes ou périphériques, où la protection d'un composant mène à la protection de tout le calculateur pour assurer la sécurité du calcul ou du traitement de l’information
  • G06N 5/04 - Modèles d’inférence ou de raisonnement

69.

AUTOMATED DATA CAPTURE PROCESSING

      
Numéro d'application 17898347
Statut En instance
Date de dépôt 2022-08-29
Date de la première publication 2024-02-29
Propriétaire Visa International Service Association (USA)
Inventeur(s) Shenker, Gavin

Abrégé

A method is disclosed. The method includes presenting, by a user device, a completion page for a transaction to a user; capturing, by the user device, an image of the completion page; storing, by the user device, completion page image data for the image of the completion page; and presenting, by the user device, transaction data for the transaction along with the image of completion page to the user, the image of the completion page generated using the stored completion page image data.

Classes IPC  ?

  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil

70.

VERIFICATION OF INTERACTIONS SYSTEM AND METHOD

      
Numéro d'application 18499800
Statut En instance
Date de dépôt 2023-11-01
Date de la première publication 2024-02-29
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Zamani, Mahdi
  • Kiffer, Lucianna
  • Luu, Loi
  • Bunz, Karl Benedikt

Abrégé

A system and method is disclosed. The method comprises a client device receiving a verification request comprising an interaction identifier. The client device can then query a full node for a random sampling of block headers from the full node. The client device can receive the random sampling of block headers from the full node, and verify the random sampling of block headers. The client device can then determine that the blockchain maintained by the full node is valid after verifying the random sampling of block headers.

Classes IPC  ?

  • H05B 3/56 - Câbles chauffants
  • H01B 1/02 - Conducteurs ou corps conducteurs caractérisés par les matériaux conducteurs utilisés; Emploi de matériaux spécifiés comme conducteurs composés principalement de métaux ou d'alliages
  • H01B 7/02 - Disposition de l'isolement
  • H01B 7/28 - Protection contre les dommages provoqués par des facteurs extérieurs, p.ex. gaines ou armatures par l'humidité, la corrosion, les attaques chimiques ou les conditions atmosphériques
  • H01B 7/295 - Protection contre les dommages provoqués par des facteurs extérieurs, p.ex. gaines ou armatures par des températures extrêmes ou par les flammes en utilisant un matériau résistant aux flammes
  • H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
  • H05B 1/02 - Dispositions de commutation automatique spécialement adaptées aux appareils de chauffage
  • H05B 3/04 - Joints étanches à l'eau ou à l'air pour appareils de chauffage
  • H05B 3/14 - Eléments chauffants caractérisés par la composition ou la nature des matériaux ou par la disposition du conducteur caractérisés par la composition ou la nature du matériau conducteur le matériau étant non métallique

71.

VISA ECONOAVANTAGE

      
Numéro d'application 231269500
Statut En instance
Date de dépôt 2024-02-28
Propriétaire Visa International Service Association (USA)
Classes de Nice  ?
  • 35 - Publicité; Affaires commerciales
  • 36 - Services financiers, assurances et affaires immobilières

Produits et services

(1) Advertising services, namely promoting the sale of payment card accounts through the administration of incentive award programs; awarding purchase points, discounts, sweepstakes, rebates, value added offers and coupons for payment card use (2) Loyalty program services namely the operation of a credit card program involving discounts, incentives or points for the purchase of selected goods or services; operation of consumer loyalty program; operation of customer incentive, award and loyalty programs; organisation and management of customer loyalty programs; organization and management of customer loyalty programs; promoting the sale of goods and services through a consumer loyalty program; providing information on the administration of a customer loyalty program via a website (3) Data processing in the field of payment and credit card services, data collection and report preparation for financial

72.

Method and System for Routing Payment Transactions of a Payment Account

      
Numéro d'application 18500412
Statut En instance
Date de dépôt 2023-11-02
Date de la première publication 2024-02-22
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Harish, Venkatesan
  • Vadivel, Dinesh

Abrégé

Disclosed herein is a method and system for routing payment transactions of a payment account. After the payment transaction is initiated, a payment server identifies flag information from the payment request indicating a payment account to be multi-configurable. When the payment server identifies that the payment request is from the POS device, the payment server retrieves primary configuration details corresponding to the payment account from a routing service and routes the payment transaction for the payment request to an issuer corresponding to the primary configuration details. Further, when the payment server identifies that the payment request is from a payment gateway, the payment server retrieves a list of names of configuration details corresponding to the payment account from the routing service for selection. Upon selection, the payment server retrieves configuration details corresponding to the selected issuer and routes the payment transaction to the issuer for completing the payment transaction.

Classes IPC  ?

  • G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
  • G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
  • G06Q 20/08 - Architectures de paiement

73.

Systems and Methods for Communicating Transaction Data Between Mobile Devices

      
Numéro d'application 18497267
Statut En instance
Date de dépôt 2023-10-30
Date de la première publication 2024-02-22
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Godet, Jacques-Antoine
  • Bahia, Onkar Singh

Abrégé

Provided is a computer-implemented method for communicating transaction data between mobile devices, including: registering account data associated with a merchant account corresponding to short message service (SMS) device data associated with a point-of-sale (POS) device, and account data associated with a user account as corresponding to SMS device data associated with a user device; receiving, via an SMS communication connection, transaction data associated with a transaction from the POS device, verifying the POS device and the user device are registered; in response to determining that an account balance of the user account is greater than the transaction authorization limit, transmitting a first confirmation message associated with the transaction, via an SMS communication connection, to the user device to confirm the transaction; and in response to receiving a first confirmation response associated with the transaction, via an SMS communication connection, processing the transaction data.

Classes IPC  ?

  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
  • G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
  • G06Q 20/42 - Confirmation, p.ex. contrôle ou autorisation de paiement par le débiteur légal

74.

System, Method, and Computer Program Product for Multi-Domain Ensemble Learning Based on Multivariate Time Sequence Data

      
Numéro d'application 18268465
Statut En instance
Date de dépôt 2022-10-20
Date de la première publication 2024-02-22
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • He, Linyun
  • Agrawal, Shubham
  • Lin, Yu-San
  • Wu, Yuhang
  • Bindlish, Ishita
  • Chetia, Chiranjeet
  • Wang, Fei

Abrégé

Systems, methods, and computer program products for multi-domain ensemble learning based on multivariate time sequence data are provided. A method may include receiving multivariate sequence data. At least a portion of the multivariate sequence data may be inputted into a plurality of anomaly detection models to generate a plurality of scores. The multivariate sequence data may be combined with the plurality of scores to generate combined intermediate data. The combined intermediate data may be inputted into a combined ensemble model to generate an output score. In response to determining that the output score satisfies a threshold, at least one of an alert may be communicated to a user device, the multivariate sequence data may be inputted into the feature-domain ensemble model to generate a feature importance vector, or at least one of a model-domain, a time-domain, a feature-domain, or the combined ensemble model may be updated.

Classes IPC  ?

  • G06N 20/20 - Techniques d’ensemble en apprentissage automatique

75.

ISOLATING APPLICATION AND SOFTWARE DEVELOPMENT KIT SANDBOXES FOR SECURITY PROTECTION

      
Numéro d'application US2022074756
Numéro de publication 2024/035430
Statut Délivré - en vigueur
Date de dépôt 2022-08-10
Date de publication 2024-02-15
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s) Chen, Yuexi

Abrégé

Systems and methods are disclosed for application run-time architectures that provide continuous and autonomous security protection from unauthorized access to sensitive data. Several aspects comprise running, on a client device, a software development kit (SDK) in a first application sandbox with a first unique identifier (UID); and running, on the client device, an application comprising an SDK interface in a second application sandbox with a second UID, the application communicating with the SDK via the SDK interface on a runtime service. The first UID and the second UID are each associated with their own resources. The resources may include files, keys, and registries. The first application sandbox may prevent access to resources associated with the first UID by applications without the first UID. The second application sandbox may prevent access to resources associated to the second UID by applications without the second UID.

Classes IPC  ?

  • G06F 21/53 - Contrôle des usagers, programmes ou dispositifs de préservation de l’intégrité des plates-formes, p.ex. des processeurs, des micrologiciels ou des systèmes d’exploitation au stade de l’exécution du programme, p.ex. intégrité de la pile, débordement de tampon ou prévention d'effacement involontaire de données par exécution dans un environnement restreint, p.ex. "boîte à sable" ou machine virtuelle sécurisée
  • G06F 21/60 - Protection de données
  • G06F 21/62 - Protection de l’accès à des données via une plate-forme, p.ex. par clés ou règles de contrôle de l’accès

76.

SYSTEM AND METHOD FOR ACCOUNT VERIFICATION BY AERIAL DRONE

      
Numéro d'application 18492048
Statut En instance
Date de dépôt 2023-10-23
Date de la première publication 2024-02-15
Propriétaire Visa International Service Association (USA)
Inventeur(s) Leddy, William

Abrégé

A verification application executing at a user's mobile phone directs the user to take a photo of an identification document (e.g., driver's license or other form of government issued identification) or of their face. After the verification application sends the image to a backend service, the service may then dispatch a drone to the user's location and take a photograph of the user. The service may then validate the previously-imaged document or photo of the user's face against the photograph of the user and the geolocation sent with the first image. The service may then verify the new account and provision a token to the verification application to complete a secured account generation.

Classes IPC  ?

  • G06V 40/16 - Visages humains, p.ex. parties du visage, croquis ou expressions
  • H04W 4/80 - Services utilisant la communication de courte portée, p.ex. la communication en champ proche, l'identification par radiofréquence ou la communication à faible consommation d’énergie
  • G06V 20/13 - Images satellite
  • B64C 39/02 - Aéronefs non prévus ailleurs caractérisés par un emploi spécial

77.

METHOD, SYSTEM, AND COMPUTER PROGRAM PRODUCT FOR SYNTHETIC OVERSAMPLING FOR BOOSTING SUPERVISED ANOMALY DETECTION

      
Numéro d'application IB2023057912
Numéro de publication 2024/033771
Statut Délivré - en vigueur
Date de dépôt 2023-08-04
Date de publication 2024-02-15
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Lai, Kwei-Herng
  • Wang, Lan
  • Chen, Huiyuan
  • Bendre, Mangesh
  • Das, Mahashweta
  • Yang, Hao

Abrégé

Methods, systems, and computer program products may formulate an iterative data mix up problem into a Markov decision process (MDP) with a tailored reward signal to guide a learning process. To solve the MDP, a deep deterministic actor-critic framework may be modified to adapt a discrete-continuous decision space for training a data augmentation policy.

Classes IPC  ?

  • G06N 3/08 - Méthodes d'apprentissage
  • G06F 11/07 - Réaction à l'apparition d'un défaut, p.ex. tolérance de certains défauts
  • G06F 11/30 - Surveillance du fonctionnement
  • G06F 7/00 - Procédés ou dispositions pour le traitement de données en agissant sur l'ordre ou le contenu des données maniées
  • G06N 20/00 - Apprentissage automatique
  • G06N 3/00 - Agencements informatiques fondés sur des modèles biologiques

78.

MONIKER

      
Numéro d'application 018985382
Statut En instance
Date de dépôt 2024-02-12
Propriétaire Visa International Service Association (USA)
Classes de Nice  ? 36 - Services financiers, assurances et affaires immobilières

Produits et services

Financial services; banking services; credit card services; debit card services; charge card services; pre-paid card services; smart card services; electronic credit and debit transactions; electronic funds transfer; payment processing services; transaction authentication and verification services; cash replacement rendered by credit cards and debit cards; currency exchange services; online banking services; bill payment services; deposit access and automated teller machine services; check cashing and cash disbursement services; dissemination of financial information and electronic payment data including via a global computer network; financial sponsorship of sports competitions, events, activities, and games.

79.

MONIKER

      
Numéro de série 98401597
Statut En instance
Date de dépôt 2024-02-12
Propriétaire Visa International Service Association ()
Classes de Nice  ? 36 - Services financiers, assurances et affaires immobilières

Produits et services

Financial services, namely, banking services; credit card services in the nature of authorization services, payment processing services, transaction processing services, transaction settlement services and issuance of credit cards by others; debit card services in the nature of authorization services, verification services, payment processing services, transaction processing services, and transaction settlement services; charge card payment processing services; pre-paid purchase card services, namely, processing electronic payments through pre-paid cards; electronic credit card and debit card transaction processing services; electronic funds transfer; payment processing services in the field of credit card payments, debit card payments, and prepaid card payments; cash replacement rendered by credit cards and debit cards; currency exchange services; online banking services, bill payment services; deposit access and automated teller machine (ATM) banking services; check cashing and cash disbursement services; providing financial information and electronic payment data including via a global computer network; financial sponsorship of sports competitions, events, activities, and games

80.

VISA DEBIT/FLEX

      
Numéro d'application 231004800
Statut En instance
Date de dépôt 2024-02-12
Propriétaire Visa International Service Association (USA)
Classes de Nice  ? 36 - Services financiers, assurances et affaires immobilières

Produits et services

(1) Financial services namely credit card services, debit card services, charge card services, pre-paid card services, smart card services, electronic credit and debit transactions, electronic funds transfer, payment processing services, transaction authentication and verification services, cash replacement rendered by credit cards and debit cards, currency exchange services, bill payment services, deposit access and automated teller machine services, check cashing and cash disbursement services, dissemination of financial information and electronic payment data including via a global computer network, financial sponsorship of sports competitions, events, activities, and games

81.

VERIFICATION OF BIOMETRIC TEMPLATES FOR PRIVACY PRESERVING AUTHENTICATION

      
Numéro d'application 18482509
Statut En instance
Date de dépôt 2023-10-06
Date de la première publication 2024-02-08
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Badrinarayanan, Saikrishna
  • Rindal, Peter
  • Mukherjee, Pratyay

Abrégé

Secure protocols for external-facing authentication are provided for both user templates stored on their devices and the biometric measurement captured by external sensors of an access device. The protocols provide different levels of security, ranging from passive security with some leakage to active security with no leakage. A packing technique is also provided. Zero-knowledge techniques are used during enrollment to validate a norm of user templates and knowledge of the plaintext biometric template. Once enrolled, the verifier can sign the encrypted template for use in a later matching phase with an access device.

Classes IPC  ?

  • H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
  • H04L 9/08 - Répartition de clés
  • H04L 9/30 - Clé publique, c. à d. l'algorithme de chiffrement étant impossible à inverser par ordinateur et les clés de chiffrement des utilisateurs n'exigeant pas le secret

82.

METHOD AND SYSTEM FOR AUTHENTICATION CREDENTIAL

      
Numéro d'application 18485958
Statut En instance
Date de dépôt 2023-10-12
Date de la première publication 2024-02-08
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Aabye, Andreas
  • Mcmillan, Christopher
  • Clark, Adam
  • Aabye, Christian
  • Hurry, Simon

Abrégé

An issuing authority (IA) may validate the identity of a user and issue a digital license to the user. IA may generate IA public-private key pair, and provide IA public key to the certification authority (CA). IA may sign the digital license with IA private key, and provision the signed digital license on the user device. IA may request CA to certify the digital license. CA may use IA public key to validate the digital license, and sign IA public key with CA private key, thereby generating a digital certificate associated with the issuing authority that is linked to the digital license. A relying party may use CA public key to validate the digital license. The relying party can retrieve the information from the digital license and trust that the retrieved information is legitimate.

Classes IPC  ?

  • H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
  • G06F 21/10 - Protection de programmes ou contenus distribués, p.ex. vente ou concession de licence de matériel soumis à droit de reproduction
  • G06F 21/33 - Authentification de l’utilisateur par certificats

83.

System, Method, and Computer Program Product for Diagnosing Faulty Components in Networked Computer Systems

      
Numéro d'application 18490112
Statut En instance
Date de dépôt 2023-10-19
Date de la première publication 2024-02-08
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Shen, Yi
  • Pattanaik, Sangram
  • Anaparthi, Trinath B.

Abrégé

Described are a system, method, and computer program product for diagnosing faulty components in networked computer systems. The method includes generating a graph of a network topology of a networked computer system and determining a set of nodes of the graph affected by a fault in the networked computer system based on an alert associated with the set of nodes. The method also includes determining a faulty component of the networked computer system based on a common node having a plurality of edges connected to nodes in the set of nodes affected by the fault. The method further includes retrieving a set of records of operational changes to the networked computer system and determining an operational change that caused the fault. The method further includes resetting the networked computer system to a prior state before the operational change.

Classes IPC  ?

  • H04L 41/0631 - Gestion des fautes, des événements, des alarmes ou des notifications en utilisant l’analyse de la corrélation entre les notifications, les alarmes ou les événements en fonction de critères de décision, p.ex. la hiérarchie ou l’analyse temporelle ou arborescente
  • H04L 41/0659 - Gestion des fautes, des événements, des alarmes ou des notifications en utilisant la reprise sur incident de réseau en isolant ou en reconfigurant les entités défectueuses
  • H04L 41/12 - Découverte ou gestion des topologies de réseau

84.

Method, System, and Computer Program Product for Flexible Settlement Decisions

      
Numéro d'application 18377864
Statut En instance
Date de dépôt 2023-10-09
Date de la première publication 2024-02-08
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Cervenka, Karen L.
  • Louis, Brendan Xavier
  • Tseselsky, David
  • Shetty, Sushma Bhoja

Abrégé

Provided is a computer-implemented method for dynamically designating a settlement window for a transaction within a settlement cycle between an acquirer and an issuer. The method includes receiving a plurality of transaction records associated with a plurality of transactions, determining a first settlement window of a plurality of settlement windows to assign a transaction record of the plurality of transaction records, assigning the transaction record of the plurality of transaction records to the first settlement window based on determining the first settlement window of the plurality of settlement windows to assign the transaction record, and performing a settlement function for a transaction associated with the transaction record assigned to the first settlement window based on assigning the transaction record of the plurality of transaction records to the first settlement window. A system and computer program product are also disclosed.

Classes IPC  ?

  • G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
  • G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

85.

RAPID TRANSACTION SETTLEMENT USING VIRTUAL ACCOUNT

      
Numéro d'application 18484391
Statut En instance
Date de dépôt 2023-10-10
Date de la première publication 2024-02-08
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Truelson, Chris
  • Radtke, Leigh

Abrégé

An automation computer can receive a set of instructions pertaining to a transaction. The automation computer can generate a request to generate and activate a virtual account, where the virtual account is associated with a transaction value and a transaction amount. The virtual account can be managed by an authorization computer that can load a transaction value onto the virtual account in an amount equal to the transaction amount. The authorization computer managing both issuer and acquirer functionality in a transaction settlement can settle the transaction rapidly using the loaded virtual account by depositing the transaction value associated with the virtual account directly into an account of a resource provider.

Classes IPC  ?

  • G06Q 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
  • G06Q 20/28 - Schémas de prépaiement, c. à d. de "paiement préalable"
  • G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
  • G06Q 20/08 - Architectures de paiement

86.

Mobile device secret protection system and method

      
Numéro d'application 18263976
Numéro de brevet 11960581
Statut Délivré - en vigueur
Date de dépôt 2021-02-05
Date de la première publication 2024-02-08
Date d'octroi 2024-04-16
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Chen, Yuexi
  • Kekicheff, Marc

Abrégé

A method is disclosed. The method includes transmitting, by a user device to an access device, a digital certificate and a seed. The access device encrypts the seed and a first access device key with a public key from the digital certificate to form encrypted data. The method also includes receiving from the access device, the encrypted data, decrypting the encrypted data using a private key corresponding to the public key to obtain the seed and the first access device key, verifying that the seed received from the access device matches the seed sent to the access device, encrypting a secret or derivative thereof with the first access device key to form an encrypted secret or derivative thereof, and transmitting to the access device, the encrypted secret or derivative thereof.

Classes IPC  ?

  • G06F 21/31 - Authentification de l’utilisateur
  • H04L 9/30 - Clé publique, c. à d. l'algorithme de chiffrement étant impossible à inverser par ordinateur et les clés de chiffrement des utilisateurs n'exigeant pas le secret
  • H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

87.

Structured graph convolutional networks with stochastic masks for network embeddings

      
Numéro d'application 18264052
Numéro de brevet 11966832
Statut Délivré - en vigueur
Date de dépôt 2021-07-02
Date de la première publication 2024-02-08
Date d'octroi 2024-04-23
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Chen, Huiyuan
  • Lin, Yu-San
  • Wang, Lan
  • Yeh, Michael
  • Wang, Fei
  • Yang, Hao

Abrégé

A method includes receiving a first data set comprising embeddings of first and second types, generating a fixed adjacency matrix from the first dataset, and applying a first stochastic binary mask to the fixed adjacency matrix to obtain a first subgraph of the fixed adjacency matrix. The method also includes processing the first subgraph through a first layer of a graph convolutional network (GCN) to obtain a first embedding matrix, and applying a second stochastic binary mask to the fixed adjacency matrix to obtain a second subgraph of the fixed adjacency matrix. The method includes processing the first embedding matrix and the second subgraph through a second layer of the GCN to obtain a second embedding matrix, and then determining a plurality of gradients of a loss function, and modifying the first stochastic binary mask and the second stochastic binary mask using at least one of the plurality of gradients.

Classes IPC  ?

  • G06N 3/0464 - Réseaux convolutifs [CNN, ConvNet]
  • G06N 3/047 - Réseaux probabilistes ou stochastiques
  • G06Q 30/0282 - Notation ou évaluation d’opérateurs commerciaux ou de produits
  • G06Q 30/0601 - Commerce électronique [e-commerce]

88.

Transaction card

      
Numéro d'application 29836393
Numéro de brevet D1013777
Statut Délivré - en vigueur
Date de dépôt 2022-04-26
Date de la première publication 2024-02-06
Date d'octroi 2024-02-06
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Reed, Sonia
  • Sippola, Kenneth
  • Schmidt, Julian

89.

REAL TIME CROSS-MATCHING DATA

      
Numéro d'application 18477085
Statut En instance
Date de dépôt 2023-09-28
Date de la première publication 2024-02-01
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Chinnappan, Raman
  • Veeramani, Raja
  • Krug, Guyon

Abrégé

When a merchant fails to provide payment service details, a system matches in real time information from a data processor with data from the payment service to allow matching a request from the payment system to a particular transaction. The matching system may use high speed buffers and hardware logic to rapidly match related data from different sources at speeds of thousands a second or more. This allows characterization of the transaction for recognition of current offers applicable to the transaction as well as generation of future offers.

Classes IPC  ?

  • G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
  • G06F 16/9035 - Filtrage basé sur des données supplémentaires, p.ex. sur des profils d'utilisateurs ou de groupes
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • G06Q 30/0234 - Rabais après un achat effectué

90.

Method, System, and Computer Program Product for Matching Card Transaction Data to Mobile Application Usage

      
Numéro d'application 18485734
Statut En instance
Date de dépôt 2023-10-12
Date de la première publication 2024-02-01
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Purswani Ramchandani, Nuri Vinod
  • Narang, Anubhav
  • Maly, Olivia
  • Patil, Ajit Vilasrao

Abrégé

Provided is a method for matching card transaction data to mobile application data. The method may include generating a plurality of regions within a geographic area, each region of the plurality of regions associated with a region identifier. Transaction data associated with an account identifier and mobile application data associated a user identifier may be received. A region for each transaction and for each interaction may be determined based on the transaction and interaction locations. A transaction signature may be generated for each account and an interaction signature may be generated for each user identifier. At least one transaction may be matched to at least one interaction signature. At least one account identifier may be linked to at least one user identifier based on matching the at least one transaction signature to the at least one interaction signature. A system and computer program product are also disclosed.

Classes IPC  ?

91.

STATELESS TOKEN REPLAY PROTECTION

      
Numéro d'application US2022038913
Numéro de publication 2024/025562
Statut Délivré - en vigueur
Date de dépôt 2022-07-29
Date de publication 2024-02-01
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s) Le Saint, Eric

Abrégé

An authorization data can be captured and reused for an unauthorized purpose or context during the validity period by an adversity. Current anti-replay solutions are complex and unpractical. For example, conditional access anti-replay solution requires supplementary context or behavior control services to protect against replay. However, any authorization data can be issued with an authentication timecode, which is valid during a period of short time and is non-predictable, i.e., it can be stolen but not replayed. Therefore, a timecode can be issued with the authorization data to protect against a replay attack.

Classes IPC  ?

  • H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
  • H04L 9/08 - Répartition de clés

92.

PROCESSING FINANCIAL TRANSACTIONS

      
Numéro d'application 18481922
Statut En instance
Date de dépôt 2023-10-05
Date de la première publication 2024-02-01
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Nayak, Koni Uttam
  • Kulpati, Ashish
  • Rajurkar, Pankaj
  • Powell, Glenn Leon

Abrégé

Systems and methods for processing a financial transaction are provided. In a method conducted at an issuing server computer associated with a first entity, a transaction request message is transmitted to an acquiring server computer associated with a second entity. The transaction request message is in respect of a push transaction in which funds from the first entity are transferred to the second entity and includes a first set of data elements. In response to transmitting the transaction request message, a transaction response message and a second set of data elements are received. The second set of data elements are associated with the first set of data elements and the financial transaction is processed using information contained in the first set of data elements and the second set of data elements.

Classes IPC  ?

  • G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
  • G06F 16/22 - Indexation; Structures de données à cet effet; Structures de stockage
  • G06F 16/23 - Mise à jour
  • G06F 16/2455 - Exécution des requêtes
  • G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte
  • H04W 4/12 - Messagerie; Boîtes aux lettres; Annonces
  • G06Q 20/22 - Schémas ou modèles de paiement
  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil

93.

Privacy preserving identity data exchange based on hybrid encryption

      
Numéro d'application 18264684
Numéro de brevet 11956359
Statut Délivré - en vigueur
Date de dépôt 2022-02-10
Date de la première publication 2024-02-01
Date d'octroi 2024-04-09
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Arora, Sunpreet Singh
  • Badrinarayanan, Saikrishna
  • Raghuraman, Srinivasan
  • Wagner, Kim
  • Watson, Gaven

Abrégé

A method is disclosed. The method includes receiving, by a processing network computer from a relying party computer associated with a relying party, a request for data associated with a user operating a user device. The processing network computer may retrieve first encrypted data of the user having a user-layer of encryption. The processing computer can then generate a second symmetric key to add a relying party-layer of encryption to the first encrypted data using a stream cipher. The doubly encrypted data may be transmitted to a user device that removes the user-layer of encryption on the first doubly encrypted data, and then adds a second relying party-layer of encryption to form second doubly encrypted data. The second doubly encrypted data may be transmitted to the relying party computer, which can remove both relying party-layers of encryption to gain access to the data associated with the user.

Classes IPC  ?

  • H04L 9/14 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité utilisant plusieurs clés ou algorithmes
  • H04L 9/06 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité l'appareil de chiffrement utilisant des registres à décalage ou des mémoires pour le codage par blocs, p.ex. système DES

94.

SYSTEM AND METHOD FOR LOCATION-BASED NODE MANAGEMENT IN A WIRELESS CHARGING NETWORK

      
Numéro d'application 17681404
Statut En instance
Date de dépôt 2019-09-10
Date de la première publication 2024-02-01
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s) Gu, Yu

Abrégé

A plurality of wireless charging systems may be employed within a network at a venue or other physical area to precisely locate a battery-operated node of the network. The location of the node may then be used to manage a transaction between that node and another node within the network when the transaction is associated with that precise location.

Classes IPC  ?

  • H02J 50/40 - Circuits ou systèmes pour l'alimentation ou la distribution sans fil d'énergie électrique utilisant plusieurs dispositifs de transmission ou de réception
  • H02J 50/80 - Circuits ou systèmes pour l'alimentation ou la distribution sans fil d'énergie électrique mettant en œuvre l’échange de données, concernant l’alimentation ou la distribution d’énergie électrique, entre les dispositifs de transmission et les dispositifs de réception
  • H02J 50/12 - Circuits ou systèmes pour l'alimentation ou la distribution sans fil d'énergie électrique utilisant un couplage inductif du type couplage à résonance
  • H02J 50/20 - Circuits ou systèmes pour l'alimentation ou la distribution sans fil d'énergie électrique utilisant des micro-ondes ou des ondes radio fréquence

95.

SYSTEM AND METHOD FOR SCHEDULING DATABASE APPLICATIONS

      
Numéro d'application 17878823
Statut En instance
Date de dépôt 2022-08-01
Date de la première publication 2024-02-01
Propriétaire Visa International Service Association (USA)
Inventeur(s) Raghavendran, Varadharajan

Abrégé

In some embodiments, a method includes receiving zonal topology information related to a zonal topology of a plurality of zones; utilizing the zonal topology information to perform a level strength assessment of each level of a plurality of levels associated with the zonal topology of the plurality of zones; and based on the level strength assessment of each level of the plurality of levels, scaling a target number of resources to at least a first level of the plurality of levels of the zonal topology. In some embodiments of the method, the level strength assessment includes performing a level-by-level breadth analysis of each level of the plurality of levels of the zonal topology.

Classes IPC  ?

  • G06F 9/48 - Lancement de programmes; Commutation de programmes, p.ex. par interruption
  • G06F 16/901 - Indexation; Structures de données à cet effet; Structures de stockage
  • G06F 9/50 - Allocation de ressources, p.ex. de l'unité centrale de traitement [UCT]

96.

SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR COMMUNICATION LAYER FOR MANAGEMENT OF ONLINE SERVICES

      
Numéro d'application US2023028538
Numéro de publication 2024/025859
Statut Délivré - en vigueur
Date de dépôt 2023-07-25
Date de publication 2024-02-01
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Van Wensveen, Ronald, Peter
  • Verstraeten, Gilles, Nicolas
  • Royle, Iain, Christopher
  • Butler, Jake, Jordan
  • Altwegg, Mathieu André Guy
  • Prasad, Ranjiva, Kant
  • Steibli, Rouven, Arun

Abrégé

Provided is a system for implementing a communication interface layer for managing online services, the system including at least one processor programmed or configured to receive a request for an authentication token for access to an online service, where the request includes a user identifier, generate an authentication token associated with the user identifier, transmit the authentication token to a user device, receive a request to access the online service to perform an action associated with the account via a first function of a communication interface layer, determine that the user device is authenticated for access to the online service, and perform an action involving the online service via a second function of the communication interface layer. Methods and computer program products are also provided.

Classes IPC  ?

  • G06F 21/31 - Authentification de l’utilisateur
  • G06F 21/62 - Protection de l’accès à des données via une plate-forme, p.ex. par clés ou règles de contrôle de l’accès
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
  • G06F 21/44 - Authentification de programme ou de dispositif
  • G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
  • G06Q 20/42 - Confirmation, p.ex. contrôle ou autorisation de paiement par le débiteur légal
  • G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte
  • H04W 12/069 - Authentification utilisant des certificats ou des clés pré-partagées
  • H04W 12/082 - Sécurité d'accès utilisant la révocation d’autorisation
  • H04W 12/37 - Gestion des politiques de sécurité pour des dispositifs mobiles ou pour le contrôle d’applications mobiles

97.

METHOD, SYSTEM, AND COMPUTER PROGRAM PRODUCT FOR CRYPTOGRAM-BASED TRANSACTIONS

      
Numéro d'application US2023029058
Numéro de publication 2024/026135
Statut Délivré - en vigueur
Date de dépôt 2023-07-31
Date de publication 2024-02-01
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Williams, Otto
  • Jain, Ranveer, Raj
  • Naga, Harsha, Sathyanarayana
  • Menon, Prasad, Vasudevan
  • Thomas, Amal, Jose
  • Michaelides, Stylianos, Panagiotis
  • Vedaraman, Koushik

Abrégé

A computer-implemented method may include: transmitting a public key to a merchant system, the public key of a payment device provider system; receiving a request for a prepaid amount from a user device of a user; in response to receiving the request, generating a cryptogram based on a payment device of the user, the prepaid amount, and a private key corresponding to the public key of the payment device provider system, the public key and the private key forming a public-private key pair associated with the payment device provider system; and transmitting the cryptogram to the user device, the cryptogram configured to authenticate the user device during an electronic payment transaction initiated by the user device with a merchant system.

Classes IPC  ?

  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
  • H04L 9/14 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité utilisant plusieurs clés ou algorithmes
  • G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique

98.

FAST SYNC BLOCKCHAIN SYSTEM AND METHOD

      
Numéro d'application US2023070968
Numéro de publication 2024/026321
Statut Délivré - en vigueur
Date de dépôt 2023-07-25
Date de publication 2024-02-01
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Bhat, Adithya
  • Minaei Bidgoli, Mohammad Mohsen
  • Zamani, Mahdi

Abrégé

An embodiment includes a node receiving one or more blocks of a blockchain. The node comprising a data storage can store, in the data storage, a plurality of sets of keys and data values associated with keys of the plurality of sets of keys, the data values being data associated with the blockchain. The node can perform a validation process for the one or more blocks. The validation process includes for each of the one or more blocks a) identifying a set of keys associated with the block, b) retrieving data values associated the identified keys from the data storage, c) storing the retrieved data values into volatile memory, and d) validating the block using the data values in the volatile memory. The node can then complete the validation of the one or more blocks.

Classes IPC  ?

  • H04L 9/00 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité
  • H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
  • G06F 12/123 - Commande de remplacement utilisant des algorithmes de remplacement avec listes d’âge, p.ex. file d’attente, liste du type le plus récemment utilisé [MRU] ou liste du type le moins récemment utilisé [LRU]

99.

METHOD AND SYSTEM FOR FEDERATED VIRTUAL CARD

      
Numéro d'application 18473134
Statut En instance
Date de dépôt 2023-09-22
Date de la première publication 2024-01-25
Propriétaire Visa International Service Association (USA)
Inventeur(s)
  • Dey, Akon Samir
  • Iweajunwa, Kingdom Nwachi

Abrégé

Embodiments provide methods and systems for associating a single token with multiple accounts of a user, and enabling the user to define rules for processing transactions using the token. A Federated Virtual Card (FVC) may be provisioned on a digital wallet of a user device through a token associated with the FVC. Transactions conducted using the FVC may be divided among the two or more user accounts based on user-defined rules. An account (e.g. card) may be added to or removed from the FVC without disrupting the card holder's ability to use the card to transact outside the FVC. A mobile application or an online platform may be provided for managing the FVC.

Classes IPC  ?

  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
  • G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques

100.

AUTHENTICATION DATA VALIDATION

      
Numéro d'application US2023070629
Numéro de publication 2024/020508
Statut Délivré - en vigueur
Date de dépôt 2023-07-20
Date de publication 2024-01-25
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Kapur, Henna
  • Walsh, Kevin Martin
  • Portelli, Adrian
  • Patel, Bharatkumar
  • Huynh, Hap
  • Prasad, Ranjiva
  • Hilton, Neil

Abrégé

A server computer may receive an authentication data packet including authentication data from a relying party computer in communication with an authenticator associated with a user device. The server computer may verify the authentication data in the authentication data packet. The server computer may store the authentication data packet in a database. The server computer may transmit to an authorizing entity computer, a data packet including data relating to the verification of the authentication data.

Classes IPC  ?

  • H04L 9/40 - Protocoles réseaux de sécurité
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