Visa International Service Association

États‑Unis d’Amérique

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International - WIPO
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Date
Nouveautés (dernières 4 semaines) 18
2024 juin (MACJ) 5
2024 mai 14
2024 avril 16
2024 mars 3
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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 238
G06Q 20/00 - Architectures, schémas ou protocoles de paiement 194
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 175
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails 156
H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole 121
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1.

METHOD AND SYSTEM FOR AUTOMATIC PAYMENT METHOD TRANSMISSION TO MERCHANTS

      
Numéro d'application IB2022061765
Numéro de publication 2024/121589
Statut Délivré - en vigueur
Date de dépôt 2022-12-05
Date de publication 2024-06-13
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s) Ram, Jaimini

Abrégé

The present disclosure relates to a payment processing system and a method for automatic payment method transmission to merchants. The method comprises providing a list of plurality of merchants to a user for receiving a user selection on at least one of the plurality of merchants for performing one or more transactions. In response to the user selection, the method comprises authenticating the user, based on user details provided by the user, for authorizing the user to set one or more payment methods for the at least one of the plurality of merchants selected by the user. Subsequently, method comprises transmitting the user details, user authorization and the one or more payment methods set by the user to a payment processor associated with each of the plurality of merchants selected by the user. Finally, the method comprises receiving a merchant confirmation on acceptance of the one or more payment methods set by the user from the at least one of the plurality of merchants selected by the user. In some embodiments, the above process may be also used to delete the one or more payment methods set with the plurality of merchants selected by the user and/or delete a merchant from the list of the plurality of merchants selected by the user.

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
  • G06Q 20/14 - Architectures de paiement spécialement adaptées aux systèmes de facturation
  • G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail

2.

SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR DETECTING ANOMALIES IN COMPUTING SYSTEMS BASED ON CORRELATED SESSION DATA

      
Numéro d'application US2023083103
Numéro de publication 2024/124119
Statut Délivré - en vigueur
Date de dépôt 2023-12-08
Date de publication 2024-06-13
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Chen, Hanlin
  • Fedronic, Dominique, Louis
  • Corpus, Jorge, A.

Abrégé

Systems, methods, and computer program products are provided for detecting anomalies in computing systems using correlated session data from source servers and target servers. The method includes receiving a connection request for a connection to a target server from a source server, the connection request including a login request to a service account on the target server, the connection request initiated on the source server by a user account; generating a communication session for the user account between the source server and the target server based on the connection request; collecting target server session data associated with the target server and source server session data associated with the source server; correlating the target server session data with the source server session data to provide correlated session data; and detecting an anomaly based on the correlated session data.

Classes IPC  ?

  • H04L 9/40 - Protocoles réseaux de sécurité
  • H04L 43/04 - Traitement des données de surveillance capturées, p.ex. pour la génération de fichiers journaux
  • G06F 21/50 - 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
  • H04L 43/00 - Dispositions pour la surveillance ou le test de réseaux de commutation de données
  • G06F 21/00 - Dispositions de sécurité pour protéger les calculateurs, leurs composants, les programmes ou les données contre une activité non autorisée

3.

SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR DETERMINING A PSEUDO-IDENTITY SCORE IN A VIRTUAL ENVIRONMENT BASED ON A BLOCKCHAIN NETWORK

      
Numéro d'application US2022051975
Numéro de publication 2024/123312
Statut Délivré - en vigueur
Date de dépôt 2022-12-06
Date de publication 2024-06-13
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s) Markh, John

Abrégé

Provided is a system, method, and computer program product for determining a pseudo-identity score in a virtual environment based on a blockchain network. The system includes at least one processor programmed or configured to identify a pseudo-identity in a virtual environment based on a blockchain address on a blockchain network, the pseudo-identity corresponding to the blockchain address, determine an age of the pseudo-identity, determine a measure of activity of the pseudo-identity based on transactions conducted by the pseudo-identity in the virtual environment, determine a pseudo-identity score based at least partially on the age of the pseudo-identity and the measure of activity of the pseudo-identity, and process a request generated by the pseudo-identity in the virtual environment based on the pseudo-identity score.

Classes IPC  ?

  • G06F 16/27 - Réplication, distribution ou synchronisation de données entre bases de données ou dans un système de bases de données distribuées; Architectures de systèmes de bases de données distribuées à cet effet
  • 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
  • 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
  • G06F 9/46 - Dispositions pour la multiprogrammation
  • G06F 9/50 - Allocation de ressources, p.ex. de l'unité centrale de traitement [UCT]
  • G06F 9/54 - Communication interprogramme
  • G06F 16/23 - Mise à jour
  • G06F 21/60 - Protection de données
  • 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
  • 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

4.

SECURE NFC CARD ACTIVATION

      
Numéro d'application US2022080872
Numéro de publication 2024/118104
Statut Délivré - en vigueur
Date de dépôt 2022-12-03
Date de publication 2024-06-06
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Chen, Yuexi
  • Lai, Chackan

Abrégé

Systems and methods for securely activating a physical card capable of NFC are disclosed. These may comprise authenticating, by a mobile device capable of NFC communication, a user via an issuer application on the mobile device; determining, by the mobile device, based on user data available to the issuer application, that the user has been issued the physical card, wherein the physical card is inactive and NFC-enabled; prompting, the user, by the mobile device, to place the physical card within a communication distance to the mobile device; detecting, by the mobile device, the physical card within the communication distance to the mobile device; executing, by the mobile device, an NFC-based ODA transaction with the physical card; based on a success of the ODA transaction, authenticating, by the mobile device, a validity of the physical card with the issuer, to allow activation of the card.

Classes IPC  ?

  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
  • G06Q 20/34 - 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
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

5.

RAPID VALUE TRANSFER BETWEEN DIFFERENT VALUE SYSTEMS

      
Numéro d'application US2023081918
Numéro de publication 2024/118972
Statut Délivré - en vigueur
Date de dépôt 2023-11-30
Date de publication 2024-06-06
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Moss, Joshua
  • Javier, Luis Reina
  • Kanaan, Zaid
  • Roche, Robert
  • Crawford, Nolan
  • Jurss, Bryce

Abrégé

In systems and methods for efficient remittance, a server computer receives, from a first issuer computer via an application programming interface (API), a request to transfer an amount of first currency to a receiving party. The server computer obtains an amount of digital currency corresponding to the amount of first currency and records a record of the transfer to a ledger of interactions. The server computer causes the record to be recorded to a blockchain. The server computer transmits, to a second issuer computer, a notification of the transfer and receives, from the second issuer computer via the API, a request for an amount of second currency corresponding to the amount of digital currency. The server computer transmits the amount of the second currency to the second issuer computer, causing the second issuer computer to provide the amount of second currency to the receiving party.

Classes IPC  ?

  • G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
  • 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 20/38 - 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
  • H04L 9/00 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité

6.

SUPERIMPOSED BIOMETRIC AUTHENTICATION

      
Numéro d'application US2022050941
Numéro de publication 2024/112341
Statut Délivré - en vigueur
Date de dépôt 2022-11-23
Date de publication 2024-05-30
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s) Manimaran, Gokul Anand

Abrégé

Embodiments of the present disclosure are directed to methods and systems for biometric authentication using superimposed biometric data. Using such methods and systems, a user can be authenticated for some purpose (e.g., gaining access to a secure facility, accessing a user account, etc.). Superimposed biometric data, unlike conventional biometric data, can comprise a combination of user biometric data and artificial biometric data. This combination can protect the user biometric data. For example, if an identity thief manages to acquire the superimposed biometric data, it may be difficult or impossible for the identity thief to acquire the user biometric data, thereby protecting the user's data privacy. The user can use a user device to capture and combine the user's biometric data with artificial biometric data stored on the user device, thereby determining superimposed biometric data, which can be sent to a biometric authentication server in order to authenticate the user.

Classes IPC  ?

  • 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
  • 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
  • G06V 40/12 - Empreintes digitales ou palmaires
  • 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

7.

SYNTHETIC FINGERPRINTS AND METHOD OF MANUFACTURING SYNTHETIC FINGERPRINTS FOR TESTING BIOMETRIC SENSORS

      
Numéro d'application US2023075472
Numéro de publication 2024/107488
Statut Délivré - en vigueur
Date de dépôt 2023-09-29
Date de publication 2024-05-23
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Chun, Kelvin
  • Tasto-Muller, Sherri
  • Creignou, Jean
  • Becker, Steven
  • Meyer, Julian
  • El Lahyany, Khalid
  • Feldmann, Jens
  • Velhagen, Thomas

Abrégé

Apparatus, system, and method for generating a synthetic finger are disclosed. A three-dimensional (3D) model of a fingerprint is generated based on fingerprint data received from a database. A mold is creating based on the 3D model. A casting material is applied on the mold to create a synthetic finger. The synthetic finger includes a fingerprint formed on the casting material by the mold.

Classes IPC  ?

  • B29C 39/02 - Moulage par coulée, c. à d. en introduisant la matière à mouler dans un moule ou entre des surfaces enveloppantes sans pression significative de moulage; Appareils à cet effet pour la fabrication d'objets de longueur définie, c. à d. d'objets séparés
  • B29C 39/26 - Moules ou noyaux
  • B29C 39/44 - Mesure, commande ou régulation
  • G06V 40/12 - Empreintes digitales ou palmaires
  • G06T 17/20 - Description filaire, p.ex. polygonalisation ou tessellation
  • G06K 7/10 - Méthodes ou dispositions pour la lecture de supports d'enregistrement par radiation corpusculaire

8.

ROBOTIC AUTOMATION TESTING APPARATUS AND METHOD FOR TESTING BIOMETRIC SENSORS WITH SYNTHETIC FINGERPRINTS

      
Numéro d'application US2023075474
Numéro de publication 2024/107489
Statut Délivré - en vigueur
Date de dépôt 2023-09-29
Date de publication 2024-05-23
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Chun, Kelvin
  • Tasto-Muller, Sherri
  • Heckmann, Thomas
  • Stephany, Markus
  • Kalka, Frank
  • Leutzgen, Matthias
  • Creignou, Jean
  • Becker, Steven
  • Velhagen, Thomas

Abrégé

A robotic apparatus, system, and method for testing a biometric sensor using synthetic fingers. The robotic system includes a robot and a biometric scanner. The robot includes a robotic arm having an end effector configured to select a synthetic finger assembly. The synthetic finger assembly includes a near field communication (NFC) circuit. A controller is electrically coupled to the robotic arm. The controller is configured to control movement of the robotic arm, cause the end effector to select the synthetic finger assembly, and identify the synthetic finger assembly. The biometric scanner includes a sensor configured to scan a fingerprint disposed on the synthetic finger.

Classes IPC  ?

  • B25J 11/00 - Manipulateurs non prévus ailleurs
  • B25J 9/00 - Manipulateurs à commande programmée
  • B25J 9/16 - Commandes à programme
  • B25J 13/08 - Commandes pour manipulateurs au moyens de dispositifs sensibles, p.ex. à la vue ou au toucher
  • B25J 15/06 - Têtes de préhension avec moyens de retenue magnétiques ou fonctionnant par succion
  • G06V 40/13 - Capteurs à cet effet
  • G06V 40/40 - Détection d’usurpation, p.ex. détection d’activité
  • G06V 40/12 - Empreintes digitales ou palmaires
  • G06K 7/10 - Méthodes ou dispositions pour la lecture de supports d'enregistrement par radiation corpusculaire
  • G06F 21/32 - Authentification de l’utilisateur par données biométriques, p.ex. empreintes digitales, balayages de l’iris ou empreintes vocales

9.

FRAMEWORK FOR REFINING MACHINE LEARNING MODEL FROM PRE-TRAINED BASE MODEL

      
Numéro d'application US2023079228
Numéro de publication 2024/107587
Statut Délivré - en vigueur
Date de dépôt 2023-11-09
Date de publication 2024-05-23
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Wang, Sheng
  • Wang, Dan
  • Bárcenas Cardenas, Claudia Carolina

Abrégé

Using historical access requests for resources received from requestors, base training data is generated as text and arranged as requestor books, each corresponding to a set of historical access requests associated with account of respective requestor and including paragraphs, each corresponding to respective historical access request from the set and including access context and access outcomes for access states associated with respective historical access request. Untrained model is trained using base training data to generate base model that predicts part of paragraph based on other parts of paragraph. Labels for group books are obtained, each group book including paragraphs from requestor books associated with same entity. Labels indicate security state of access requests included in group books. Classification training data is generated using labels and group books. Refinement training on base model is performed using classification training data, to generate refined model that classifies security states of group books.

Classes IPC  ?

  • G06N 20/00 - Apprentissage automatique
  • G06F 18/214 - Génération de motifs d'entraînement; Procédés de Bootstrapping, p.ex. ”bagging” ou ”boosting”
  • G06F 18/241 - Techniques de classification relatives au modèle de classification, p.ex. approches paramétriques ou non paramétriques

10.

NON-CUSTODIAL CRYPTOCURRENCY WALLET

      
Numéro d'application US2022079994
Numéro de publication 2024/107223
Statut Délivré - en vigueur
Date de dépôt 2022-11-17
Date de publication 2024-05-23
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Jurss, Bryce
  • Kalakrishnan, Suresh

Abrégé

The present disclosure describes a non-custodial cryptocurrency wallet application, software development kit, method, and system that blend the advantages of custodial and non-custodial schemes. The system leverages existing user credentials and networks of users to generate seed phrases and encryption keeps for the end-users. The non-custodial cryptocurrency wallet application simulates the user interface of a custodial crypto wallet with the advantages and security of a non-custodial crypto wallet.

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 20/06 - 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
  • H04L 9/08 - Répartition de clés

11.

METHOD AND SYSTEM FOR PROVIDING ENERGY TO VEHICLES USING SECURE CREDENTIAL TRANSFER

      
Numéro d'application US2022049839
Numéro de publication 2024/107170
Statut Délivré - en vigueur
Date de dépôt 2022-11-14
Date de publication 2024-05-23
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Sullivan, Brian
  • Miller, Gregory

Abrégé

A method is disclosed. The method includes receiving, by a user device from an energy supply terminal, transaction data comprising an energy provider identifier for a transaction to provide energy from the energy supply terminal to a vehicle. The user device then determines a credential, and then transmits the energy provider identifier and a selection of the credential to a secure remote transaction server. The secure remote transaction server initiates transmission of an authorization request message comprising the energy provider identifier, the credential or a token corresponding to the credential, and an amount to an authorizing entity computer. The secure remote transaction server then receives an authorization response message for the transaction from the authorizing entity computer. The secure remote transaction server can also provide an indication of the authorization for the transaction the user device.

Classes IPC  ?

  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • G06Q 50/30 - Transport; Communications
  • 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

12.

SYSTEM, METHOD, COMPUTER PROGRAM PRODUCT FOR USE OF MACHINE LEARNING FRAMEWORK IN ADVERSARIAL ATTACK DETECTION

      
Numéro d'application US2022050043
Numéro de publication 2024/107183
Statut Délivré - en vigueur
Date de dépôt 2022-11-16
Date de publication 2024-05-23
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • He, Runxin
  • Roy, Subir
  • Gu, Yu

Abrégé

Provided is a system that includes a processor to provide a first input to an autoencoder machine learning model; generate a first output of the autoencoder machine learning model based on the first input; provide the first input to a production machine learning model; provide the first output of the autoencoder machine learning model as a second input to the production machine learning model; generate a first output of the production machine learning model based on the first input; generate a second output of the production machine learning model based on the second input; determine a metric of divergence between the first output and the second output of the production machine learning model, wherein the metric of divergence comprises an indication of whether the first input is associated with an adversarial attack; and perform an action. Methods and computer program products are also provided.

Classes IPC  ?

13.

SYSTEM AND METHOD FOR PERFORMING AN MPH-BASED LOOKUP OF RECORDS IN A DATABASE

      
Numéro d'application US2022050410
Numéro de publication 2024/107203
Statut Délivré - en vigueur
Date de dépôt 2022-11-18
Date de publication 2024-05-23
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s) Yang, Zhengrong

Abrégé

In some embodiments, a system includes a processor and a non-transitory computer readable medium coupled to the processor, the non-transitory computer readable medium comprising code that constructs a minimum perfect hash (MPH)-based database file for use in an MPH database; generates, based upon MPH-based parameters, an MPH-based record for the MPH database file; generates, based on an MPH function and a first parameter of the MPH-based parameters and a second parameter of the MPH-based parameters, an MPH-based position index that maps to the MPH-based record; and utilizes the MPH-based position index to access the MPH-based record in the MPH database.

Classes IPC  ?

  • G06F 16/30 - Recherche d’informations; Structures de bases de données à cet effet; Structures de systèmes de fichiers à cet effet de données textuelles non structurées
  • G06F 16/13 - Structures d’accès aux fichiers, p.ex. indices distribués

14.

DEVICES, SYSTEMS, AND METHODS FOR WIRELESSLY RECONFIGURING A PAYMENT CARD

      
Numéro d'application US2022079831
Numéro de publication 2024/107220
Statut Délivré - en vigueur
Date de dépôt 2022-11-14
Date de publication 2024-05-23
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s) Chen, Yuexi

Abrégé

A payment card configured to be wirelessly reconfigured is disclosed herein. The payment card can include a charging coil configured to generate electrical energy in response to a magnetic field generated by a corresponding charging coil of a computing device, and a wireless communication component electrically coupled to the charging coil, wherein the charging coil is configured to power the wireless communication circuit to communicate with the computing device via a wireless communication protocol.

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

15.

METHOD, SYSTEM, AND COMPUTER PROGRAM PRODUCT FOR SPATIAL-TEMPORAL GRAPH SANDWICH TRANSFORMER FOR TRAFFIC FLOW FORECASTING

      
Numéro d'application US2023080201
Numéro de publication 2024/108079
Statut Délivré - en vigueur
Date de dépôt 2023-11-17
Date de publication 2024-05-23
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Fan, Yujie
  • Yeh, Michael
  • Chen, Huiyuan
  • Wang, Liang
  • Zhuang, Zhongfang
  • Wang, Junpeng
  • Dai, Xin
  • Zheng, Yan
  • Zhang, Wei

Abrégé

Methods, systems, and computer program products for traffic flow forecasting: obtain a graph representing a traffic network; obtain historical time-series traffic data associated with historical traffic conditions at a number of historical time steps in the traffic network; process, with each spatial-temporal graph sandwich transformer of at least one spatial-temporal graph sandwich transformer, the graph and the historical time-series traffic data to generate a sandwich transformer output, wherein each spatial-temporal graph sandwich transformer includes a top temporal transformer, a spatial transformer that receives, as an input, an output of the top temporal transformer and the graph, and a bottom temporal transformer that receives, as an input, an output of the spatial transformer; and generate, based on the sandwich transformer output from each spatial-temporal graph sandwich transformer, predicted time-series traffic data associated with predicted traffic conditions at a number of next time steps in the traffic network.

Classes IPC  ?

  • H04L 45/02 - Mise à jour ou découverte de topologie
  • H04L 43/00 - Dispositions pour la surveillance ou le test de réseaux de commutation de données
  • H04L 41/00 - Dispositions pour la maintenance, l’administration ou la gestion des réseaux de commutation de données, p.ex. des réseaux de commutation de paquets
  • H04L 69/16 - Implémentation ou adaptation du protocole Internet [IP], du protocole de contrôle de transmission [TCP] ou du protocole datagramme utilisateur [UDP]
  • H04L 45/00 - Routage ou recherche de routes de paquets dans les réseaux de commutation de données
  • H04L 69/00 - Dispositions, protocoles ou services de réseau indépendants de la charge utile de l'application et non couverts dans un des autres groupes de la présente sous-classe

16.

SYSTEMS AND METHODS FOR PROCESSING CRYPTOCURRENCY TRANSACTIONS

      
Numéro d'application US2023080286
Numéro de publication 2024/108122
Statut Délivré - en vigueur
Date de dépôt 2023-11-17
Date de publication 2024-05-23
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Banerjee, Sananda
  • Cooling, Peter
  • Lopez, Eduardo
  • Sheffield, Cuy

Abrégé

Embodiments of the invention are directed to systems and methods for conducting a transaction using a cryptocurrency. A server computer may receive a transaction request for a cryptocurrency transaction from a user associated a resource provider. The server computer may provide the transaction details to a user device for confirmation. Upon receiving confirmation from the user device, the server computer can provide an authorization message to the resource provider computer indicating authorization of the cryptocurrency transaction. The server computer may receive an acceptance message from the resource provider computer. The server computer can provide, to the cryptocurrency exchange computer, the acceptance message, such that a transfer of cryptocurrency funds in the transaction amount from the funding source to an account of the resource provider associated with the resource provider computer.

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 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
  • G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
  • G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
  • 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 9/00 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité

17.

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

18.

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

19.

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

20.

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

21.

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  ?

22.

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

23.

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

24.

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

25.

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

26.

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

27.

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

28.

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

29.

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

30.

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

31.

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

32.

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

33.

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

34.

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

35.

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

36.

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

37.

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

38.

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

39.

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

40.

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

41.

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

42.

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

43.

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

44.

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

45.

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]

46.

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

47.

METHOD, SYSTEM, AND COMPUTER PROGRAM PRODUCT FOR PROCESSING TRANSACTIONS USING ELECTRONIC WALLETS

      
Numéro d'application US2023028198
Numéro de publication 2024/020120
Statut Délivré - en vigueur
Date de dépôt 2023-07-20
Date de publication 2024-01-25
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Hribovsek, Francois
  • Wood, Matthew, James
  • Pillay, Previn
  • Mariappan, Preethi
  • Mason, Samuel Andrew
  • Palanisamy, Karthikeyan
  • Posumah, Nathanael Eduard
  • Lele, Pallavi Amit

Abrégé

A computer-implemented method includes: storing, by a payment application, payment device data including: first and second payment device identifiers and first and second wallet identifiers corresponding to first and second electronic wallets in which first and second payment device credentials of first and second payment devices are respectively stored; initiating a payment transaction with a merchant system; displaying the first and second payment device identifiers; receiving a user input from the user of the user device, the user input comprising a selection of the first payment device identifier; determining that the first electronic wallet includes the first payment device credentials of the first payment device; and facilitating a transfer of payment data between the merchant system and the first electronic wallet to initiate processing of the payment transaction.

Classes IPC  ?

  • G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
  • 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 30/06 - Transactions d’achat, de vente ou de crédit-bail
  • 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
  • G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
  • 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

48.

ENHANCED RECIPIENT NOTIFICATION

      
Numéro d'application US2023070379
Numéro de publication 2024/020367
Statut Délivré - en vigueur
Date de dépôt 2023-07-18
Date de publication 2024-01-25
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Sevanto, Jarkko Oskari
  • Tickoo, Shivam
  • Ma, Gwen
  • Haenlein, Brandon
  • Bannikov, Dmitri

Abrégé

Embodiments allow for a first transfer application executing on a first user device to send funds to a second transfer application executing on a second user device along with supplemental data. The supplemental data includes one or more of a text message, an audio content, a video content, a drawing, a photograph, a multimedia file, and the like. The application provider server of the first transfer application and/or the application provider server of the second transfer application does not support transfer of the supplemental data. A processing computer positioned between the two transfer applications facilitates the transfer of supplemental data. When the funds transfer is processed by an authorizing entity, the processing computer generates an enhanced notification including the supplemental data, and transmits the enhanced notification directly to the second transfer application.

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 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
  • G06Q 20/40 - 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 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • G06Q 50/10 - Services

49.

GESTURE-CONTROLLED PAYMENT INSTRUMENT

      
Numéro d'application US2022036788
Numéro de publication 2024/015048
Statut Délivré - en vigueur
Date de dépôt 2022-07-12
Date de publication 2024-01-18
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Khadar, Habeeb, Shaik
  • Pinniboyina, Vinod, Kumar
  • Nellore, Mohan, Babu

Abrégé

A payment instrument may include a memory, a contactless chip, a sensor, a visual output component, and/or a processor. The memory may store gesture data associated with one or more predefined gestures. The contactless chip may detect an operating field of an access device and establish a communication with the access device through a near-field communication protocol. The sensor may capture further gesture data associated with a gesture made by a user with the payment instrument in the operating field of the access device. The visual output component may provide a visual output to the user. The processor may compare the further gesture data to the gesture data to determine whether a captured gesture matches a predefined gesture, and in response to the captured gesture not matching a predefined gesture, increment a counter. The processor may control, based on a current count of the counter, the visual output component.

Classes IPC  ?

  • G06F 3/01 - Dispositions d'entrée ou dispositions d'entrée et de sortie combinées pour l'interaction entre l'utilisateur et le calculateur
  • 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 20/22 - Schémas ou modèles de paiement

50.

TOKEN SERVICES FOR NON-FUNGIBLE TOKENS

      
Numéro d'application US2023069336
Numéro de publication 2024/011057
Statut Délivré - en vigueur
Date de dépôt 2023-06-29
Date de publication 2024-01-11
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Shankar, Smitha
  • Waszczuk, Marta

Abrégé

A token processing server computer to process tokens for non-fungible tokens is disclosed. The token processing server computer includes a processor and a memory coupled to the processor. The memory stores machine executable instructions that when executed by the processor cause the processor to issue a token identification (ID) based on a non-fungible token (NFT) and authenticate ownership of the NFT using payment rails.

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 9/00 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité

51.

SCALABLE WINDOW AGGREGATOR

      
Numéro d'application US2023015963
Numéro de publication 2024/005883
Statut Délivré - en vigueur
Date de dépôt 2023-03-22
Date de publication 2024-01-04
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Bendre, Mangesh
  • Wang, Fei
  • Yang, Hao

Abrégé

A method performed by a computer is disclosed. The method includes receiving a dataset including one or more data fields. The computer can then receive instructions to compute an aggregate feature of the dataset. The computer can then determine an operator and a window based on the aggregate feature to be computed. The method may then include the computer processing the dataset. The compute may then apply the operator with the window to the processed dataset to compute the aggregate feature of the dataset.

Classes IPC  ?

  • G06F 16/2458 - Types spéciaux de requêtes, p.ex. requêtes statistiques, requêtes floues ou requêtes distribuées
  • G06F 16/2455 - Exécution des requêtes
  • G06F 16/23 - Mise à jour

52.

INTERPRETABLE DEBIASING OF VECTORIZED LANGUAGE REPRESENTATIONS WITH ITERATIVE ORTHOGONALIZATION

      
Numéro d'application US2023068872
Numéro de publication 2023/250413
Statut Délivré - en vigueur
Date de dépôt 2023-06-22
Date de publication 2023-12-28
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Aboagye, Prince Osei
  • Zheng, Yan
  • Yeh, Michael
  • Wang, Junpeng
  • Chen, Huiyuan
  • Zhuang, Zhongfang
  • Wang, Liang
  • Zhang, Wei

Abrégé

A computer-implemented method for debiasing vectorized language representations can include identifying two (or more) pairs of concepts for which debiasing is desired, computing a mean vector for each concept, determining a center point for a rotation operation to orthogonalize based on the mean vectors, and shifting the vectors to the center point before performing a rectification operation (which can be a graded rotation), after which the vectors can be shifted back from the center point. If desired, the process can be performed iteratively.

Classes IPC  ?

  • G06F 18/2132 - Extraction de caractéristiques, p.ex. en transformant l'espace des caractéristiques; Synthétisations; Mappages, p.ex. procédés de sous-espace basée sur des critères de discrimination, p.ex. l'analyse discriminante
  • G06F 18/2131 - Extraction de caractéristiques, p.ex. en transformant l'espace des caractéristiques; Synthétisations; Mappages, p.ex. procédés de sous-espace basée sur un traitement dans le domaine de transformation, p.ex. transformée en ondelettes
  • G06F 18/21 - Conception ou mise en place de systèmes ou de techniques; Extraction de caractéristiques dans l'espace des caractéristiques; Séparation aveugle de sources
  • G06F 18/214 - Génération de motifs d'entraînement; Procédés de Bootstrapping, p.ex. ”bagging” ou ”boosting”
  • G06F 18/22 - Critères d'appariement, p.ex. mesures de proximité
  • G06F 18/241 - Techniques de classification relatives au modèle de classification, p.ex. approches paramétriques ou non paramétriques
  • G06F 40/279 - Reconnaissance d’entités textuelles
  • G06N 20/00 - Apprentissage automatique

53.

SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR PREVENTING MINER EXTRACTABLE VALUE (MEV) ATTACKS IN A BLOCKCHAIN NETWORK

      
Numéro d'application US2023025957
Numéro de publication 2023/250073
Statut Délivré - en vigueur
Date de dépôt 2023-06-22
Date de publication 2023-12-28
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Bidgoli, Mohammad, Mohsen Minaei
  • Kumaresan, Ranjit
  • Yang, Yibin
  • Das, Sourav
  • Raghuraman, Srinivasan
  • Zamani, Mahdi
  • Christodorescu, Mihai
  • Gu, Wanyun

Abrégé

Provided is a system, method, and computer program product for preventing MEV attacks in a blockchain network. The system includes at least one processor programmed or configured to communicate a plurality of digests to each mining node of a plurality of mining nodes in a blockchain network, each digest of the plurality of digests generated based on a transaction request including transaction data without including the transaction data in each digest, receive, from at least one mining node of the plurality of mining nodes, block data generated based on a proof- of-work protocol and at least a portion of digests of the plurality of digests, request the transaction data for each transaction request of a plurality of transaction requests corresponding to the at least a portion of digests, and publish a new block to the blockchain network based on the transaction data and the block data.

Classes IPC  ?

  • 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 9/00 - 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
  • H04L 9/40 - Protocoles réseaux de sécurité
  • 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

54.

DISTRIBUTED EXECUTION OF A MACHINE-LEARNING MODEL ON A SERVER CLUSTER

      
Numéro d'application US2022033706
Numéro de publication 2023/244227
Statut Délivré - en vigueur
Date de dépôt 2022-06-16
Date de publication 2023-12-21
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Majithiya, Harishkumar Sundarji
  • Sachdev, Sugandh

Abrégé

Described are a system, method, and computer program product for distributed execution of a machine-learning model on a server cluster. The method includes initiating retrieval of a machine-learning model from a data repository and converting the machine-learning model to an executable format. The method includes transmitting the converted machine-learning model to each node of the server cluster and executing the converted machine-learning model on each node. The method includes generating an initial performance metric based on execution of the converted machine-learning model on each node. The method includes transmitting the plurality of initial performance metrics from each node to an external processor and combining the plurality of initial performance metrics to produce a combined performance metric. The method includes modifying a model hyperparameter of the machine-learning model based on the combined performance metric and executing the modified machine-learning model in a computer system to evaluate real-time event data.

Classes IPC  ?

55.

SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR NETWORK MESSAGE AUGMENTATION

      
Numéro d'application US2023024901
Numéro de publication 2023/244501
Statut Délivré - en vigueur
Date de dépôt 2023-06-09
Date de publication 2023-12-21
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Tseselsky, David
  • Champion, Louis, M.S.
  • Olmos, Galileo, L.

Abrégé

Systems, methods, and computer program products are provided for processing a payment transaction over an electronic network. The method includes receiving an authorization request message, including first transaction data associated with an electronic payment transaction and generating a unique identifier associated with the electronic payment transaction. The method further includes receiving an authorization response message, including second transaction data associated with the electronic payment transaction, indicating that the electronic payment transaction is authorized. The method further includes storing a portion of the first transaction data and the second transaction data in association with the unique identifier for the electronic payment transaction. The method further includes transmitting a response message comprising the unique identifier and the authorization decision and receiving a clearing request message comprising the unique identifier. The method further includes retrieving the stored transaction data and initiating clearing of the electronic payment transaction.

Classes IPC  ?

  • G06Q 20/16 - Paiements effectués par le biais de systèmes de télécommunication
  • G06Q 20/22 - Schémas ou modèles de paiement
  • 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

56.

SECURE DATA EXCHANGE MATCHING ACROSS IDENTITY PROVIDERS

      
Numéro d'application US2023068304
Numéro de publication 2023/244979
Statut Délivré - en vigueur
Date de dépôt 2023-06-12
Date de publication 2023-12-21
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Watson, Gaven, James
  • Arora, Sunpreet Singh
  • Raghuraman, Srinivasan
  • Wagner, Kim, R.
  • Lightman, Jason

Abrégé

A method includes receiving a first encrypted first identity attribute. A first doubly encrypted first identity attribute is formed by encrypting the first encrypted first identity attribute. A second doubly encrypted first identity attribute is formed by encrypting the first encrypted first identity attribute. They are transmitted to a user device, which removes a user layer of encryption on each to form a second encrypted first identity attribute and a third encrypted first identity attribute. Layers of encryption are added to the second encrypted first identity attribute to form a third doubly encrypted first identity attribute and the third encrypted first identity attribute to form a fourth doubly encrypted first identity attribute. The server computer receives them and transmits, to the second identity provider computer, the fourth doubly encrypted first identity attribute. The second identity provider computer obtains a first identity attribute and compares it to a second identity attribute.

Classes IPC  ?

  • H04L 9/14 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité utilisant plusieurs clés ou algorithmes
  • 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

57.

METHOD, SYSTEM, AND COMPUTER PROGRAM PRODUCT FOR SIMPLIFYING TRANSFORMER FOR SEQUENTIAL RECOMMENDATION

      
Numéro d'application US2023023853
Numéro de publication 2023/235308
Statut Délivré - en vigueur
Date de dépôt 2023-05-30
Date de publication 2023-12-07
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Chen, Huiyuan
  • Li, Xiaoting
  • Pan, Menghai
  • Yang, Hao
  • Yeh, Michael

Abrégé

Methods, systems, and computer program products may simplify Transformer machine learning models for sequential recommendation via a softmax-free gated attention mechanism and/or may use a gated unit to further sparsify attentions, which may simplify attention distributions and reduce negative impacts of noisy items.

Classes IPC  ?

  • G06N 3/04 - Architecture, p.ex. topologie d'interconnexion
  • G06N 3/08 - Méthodes d'apprentissage
  • G06N 3/10 - Interfaces, langages de programmation ou boîtes à outils de développement logiciel, p.ex. pour la simulation de réseaux neuronaux

58.

SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR AUTOMATICALLY SELECTING A CARD FOR CONTACTLESS PAYMENT

      
Numéro d'application US2022032038
Numéro de publication 2023/234943
Statut Délivré - en vigueur
Date de dépôt 2022-06-03
Date de publication 2023-12-07
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Irukula, Deepak
  • Pinniboyina, Vinod Kumar
  • Khadar, Habeeb Shaik

Abrégé

Provided is a method for automatically selecting one of a plurality of payment cards for contactless payment. The method may include receiving, by a first priority input circuit of a first payment card of a plurality of payment cards, a priority adjusting input from a user. In response to receiving the priority adjusting input, adjusting the respective priority indicator of the first payment card based on the priority adjusting input. The method may further include, receiving by a respective communication circuit of each respective payment card of the plurality of payment cards, a polling request from a transaction terminal. In response to receiving the polling request, transmitting, by each respective communication circuit of each respective payment card of the plurality of payment cards, a respective response to the polling request. The response to the polling request may include a respective priority indicator for the respective payment card.

Classes IPC  ?

  • 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 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
  • G06Q 20/22 - Schémas ou modèles de paiement

59.

SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR ENCODING FEATURE INTERACTIONS BASED ON TABULAR DATA USING MACHINE LEARNING

      
Numéro d'application US2023023509
Numéro de publication 2023/230219
Statut Délivré - en vigueur
Date de dépôt 2023-05-25
Date de publication 2023-11-30
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Zhou, Kaixiong
  • Chen, Huiyuan
  • Wang, Lan
  • Bendre, Mangesh
  • Wang, Fei
  • Yang, Hao

Abrégé

Methods, systems, and computer program products are provided for encoding feature interactions based on tabular data. An exemplary method includes receiving a dataset in a tabular format including a plurality of rows and a plurality of columns. Each column is indexed to generate a position embedding matrix. Each column is grouped based on at least one tree model to generate a domain embedding matrix. An input vector is generated based on the dataset, the position embedding matrix, and the domain embedding matrix. The input vector is inputted into a first multilayer perceptron (MLP) model to generate a first output vector, which is transposed to generate a transposed vector. The transposed vector is inputted into a second MLP model to generate a second output vector, which is inputted into at least one classifier model to generate at least one prediction.

Classes IPC  ?

  • G06N 3/08 - Méthodes d'apprentissage
  • 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 16/901 - Indexation; Structures de données à cet effet; Structures de stockage
  • G06N 20/00 - Apprentissage automatique
  • G06F 16/28 - Bases de données caractérisées par leurs modèles, p.ex. des modèles relationnels ou objet

60.

SECURE AND PRIVACY PRESERVING MESSAGE ROUTING SYSTEM

      
Numéro d'application US2022030551
Numéro de publication 2023/229571
Statut Délivré - en vigueur
Date de dépôt 2022-05-23
Date de publication 2023-11-30
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s) Chen, Yuexi

Abrégé

A method is disclosed. The method includes receiving, by a user device from the access device, a routing path list comprising a first set of network nodes. After receiving the routing path list, the user device determines a routing options list comprising a second set of network nodes based on the first set of network nodes in the routing path list. The method also includes obtaining an encrypted credential or token, and transmitting, by the user device to the access device, the routing options list, and the encrypted credential or token to the access device. The access device transmits an authorization request message comprising the encrypted credential or token, and the routing options list to a server computer via at least some of the network nodes in the second set of network nodes. The server computer may be an authorizing entity computer.

Classes IPC  ?

  • H04L 9/40 - Protocoles réseaux de sécurité
  • H04L 45/02 - Mise à jour ou découverte de topologie
  • 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

61.

EFFICIENT AND SECURE TOKEN PROVISIONING

      
Numéro d'application US2023017067
Numéro de publication 2023/224735
Statut Délivré - en vigueur
Date de dépôt 2023-03-31
Date de publication 2023-11-23
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Menezes, Trishell
  • Chitalia, Jalpesh
  • Jacobs, Jan

Abrégé

Enrollment data packet including device information of a user and resource provider information is received by a processing computer from an authorizing entity computer. The processing computer generates a token request push data packet including user information and the device information and transmits, to user device, the token request push data packet. The user device then transmits a request to initiate token provisioning to a resource provider computer associated with the resource provider information. Provisioning request generated based on the request to initiate the token provisioning is received by the processing computer from the resource provider computer and transmitted to a token service computer. The provisioning request includes the token request push data packet. Upon receiving the provisioning request, the token service computer determines token data using the device information and the user information and provides the token data to the resource provider computer.

Classes IPC  ?

  • G06F 21/33 - Authentification de l’utilisateur par certificats
  • G06F 21/45 - Structures ou outils d’administration de l’authentification
  • H04L 9/40 - Protocoles réseaux de sécurité

62.

SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR REDUCING DATASET BIASES IN NATURAL LANGUAGE INFERENCE TASKS USING UNADVERSARIAL TRAINING

      
Numéro d'application US2023021709
Numéro de publication 2023/220159
Statut Délivré - en vigueur
Date de dépôt 2023-05-10
Date de publication 2023-11-16
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Choi, Minje
  • Ebrahimi, Javid
  • Zhang, Wei

Abrégé

Provided are systems for generating a machine learning model for classification tasks using unadversarial training that include a processor to perform an unadversarial training procedure to train a machine learning model to provide a trained machine learning model. When performing the unadversarial training procedure, the processor is programmed or configured to receive a training dataset including a plurality of training samples; generate a noise vector for the plurality of training samples based on a uniform distribution; perturb each training sample of the plurality of training samples; obtain a gradient; generate an updated noise vector based on the gradient; perturb each training sample of the plurality of training samples based on the updated noise vector; and update a model weight of the machine learning model based on the second plurality of perturbed training samples to provide the trained machine learning model. Methods and computer program products are also provided.

Classes IPC  ?

  • G06V 30/19 - Reconnaissance utilisant des moyens électroniques
  • G06F 18/214 - Génération de motifs d'entraînement; Procédés de Bootstrapping, p.ex. ”bagging” ou ”boosting”
  • G06N 3/08 - Méthodes d'apprentissage
  • G06N 20/00 - Apprentissage automatique
  • G10L 21/0216 - Filtration du bruit caractérisée par le procédé d’estimation du bruit

63.

SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR SAVING MEMORY DURING TRAINING OF KNOWLEDGE GRAPH NEURAL NETWORKS

      
Numéro d'application US2023020540
Numéro de publication 2023/215214
Statut Délivré - en vigueur
Date de dépôt 2023-05-01
Date de publication 2023-11-09
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Chen, Huiyuan
  • Li, Xiaoting
  • Yeh, Michael
  • Zheng, Yan
  • Yang, Hao

Abrégé

Systems, methods, and computer program products are provided for saving memory during training of knowledge graph neural networks. The method includes receiving a training dataset including a first set of knowledge graph embeddings associated with a plurality of entities for a first layer of a knowledge graph, inputting the training dataset into a knowledge graph neural network to generate at least one further set of knowledge graph embeddings associated with the plurality of entities for at least one further layer of the knowledge graph, quantizing the at least one further set of knowledge graph embeddings to provide at least one set of quantized knowledge graph embeddings, storing the at least one set of quantized knowledge graph embeddings in a memory, and dequantizing the at least one set of quantized knowledge graph embeddings to provide at least one set of dequantized knowledge graph embeddings.

Classes IPC  ?

  • G06N 5/02 - Représentation de la connaissance; Représentation symbolique
  • G06F 16/332 - Formulation de requêtes
  • G06N 3/02 - Réseaux neuronaux
  • G06N 3/042 - Réseaux neuronaux fondés sur la connaissance; Représentations logiques de réseaux neuronaux
  • G06N 3/084 - Rétropropagation, p.ex. suivant l’algorithme du gradient
  • G06N 5/04 - Modèles d’inférence ou de raisonnement
  • G06F 16/9535 - Adaptation de la recherche basée sur les profils des utilisateurs et la personnalisation

64.

SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR ACTIVE LEARNING IN GRAPH NEURAL NETWORKS THROUGH HYBRID UNCERTAINTY REDUCTION

      
Numéro d'application US2023015710
Numéro de publication 2023/215043
Statut Délivré - en vigueur
Date de dépôt 2023-03-21
Date de publication 2023-11-09
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Li, Xiaoting
  • Wu, Yuhang
  • Lin, Yu-San
  • Wang, Fei

Abrégé

Systems, methods, and computer program products may (i) obtain a graph including a plurality of edges and a plurality of nodes for the plurality of edges, each labeled node of a subset of labeled nodes being associated with a label, and each unlabeled node of a subset of unlabeled nodes not being associated with a label; (ii) train, using the graph and the label for each labeled node, a graph neural network (GNN), wherein training the GNN generates a prediction for each node; (iii) generate, from the subset of unlabeled nodes, a candidate pool of candidate nodes; (iv) generate, using a label propagation algorithm, a predicted label for each candidate node; (v) select a candidate node of the candidate pool of candidate nodes that is associated with a greatest hybrid entropy reduction for the graph; and (vi) provide the selected candidate node for labeling.

Classes IPC  ?

  • G06N 3/02 - Réseaux neuronaux
  • G06N 3/08 - Méthodes d'apprentissage
  • G06N 5/04 - Modèles d’inférence ou de raisonnement
  • G06F 16/901 - Indexation; Structures de données à cet effet; Structures de stockage

65.

SECRET SHARED DATABASE JOINS USING SORTING

      
Numéro d'application US2023015568
Numéro de publication 2023/211581
Statut Délivré - en vigueur
Date de dépôt 2023-03-17
Date de publication 2023-11-02
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Rindal, Peter
  • Badrinarayanan, Saikrishna
  • Raghuraman, Srinivasan
  • Garimella, Gayathri Annapurna

Abrégé

Embodiments can perform a database join that allows secret shared database join between a database table with a unique matching column and a database table with a non-unique matching column (i.e., contains unbounded repeats of values).

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 16/176 - Support d’accès partagé aux fichiers; Support de partage de fichiers
  • G06F 16/27 - Réplication, distribution ou synchronisation de données entre bases de données ou dans un système de bases de données distribuées; Architectures de systèmes de bases de données distribuées à cet effet

66.

PRIVACY-PRESERVING DETECTION FOR DIRECTIONAL ELECTRONIC COMMUNICATIONS

      
Numéro d'application US2023016695
Numéro de publication 2023/200590
Statut Délivré - en vigueur
Date de dépôt 2023-03-29
Date de publication 2023-10-19
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Das, Sourav
  • Raghuraman, Srinivasan
  • Zamani, Mahdi
  • Kumaresan, Ranjit
  • Bidgoli, Mohammad Mohsen Minaei
  • Meiser, Sebastian
  • Christodorescu, Mihai
  • Gu, Wanyun
  • Yang, Yibin

Abrégé

Embodiments are directed to methods and systems that can be used to perform efficient, parallel, privacy-preserving graph analysis. One particular application of embodiments is performing private cycle detection in order to detect anomalous behavior in directional electronic communications. Two (or more) parties can each possess private electronic communication data, which can be used to construct a private directed union graph corresponding to the union of the parties' electronic communication data. This private union graph can be analyzed by a multi-party computation network in order to detect cycles of defined length (e.g., comprising between four and eight communicating participants). These cycles can be used as evidence of anomalous or illicit use of such electronic communications systems.

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
  • H04L 9/08 - Répartition de clés
  • 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

67.

SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR FLEXIBLE TRANSACTION MESSAGE ROUTING

      
Numéro d'application US2023017153
Numéro de publication 2023/200612
Statut Délivré - en vigueur
Date de dépôt 2023-03-31
Date de publication 2023-10-19
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Lynch, Conor, John
  • Bishop, Christopher, Joseph
  • Palanisamy, Karthikeyan
  • Chang, Emily
  • Byrne, Iii, C., William
  • Hirakawa, Kaori
  • Jha, Shipra
  • Verma, Abhishek

Abrégé

Systems, methods, and computer program products are provided for flexible transaction message routing. An exemplary method includes receiving an authorization request message associated with a payment transaction. The authorization request message includes a first account identifier associated with a user. A second account identifier is determined from a plurality of account identifiers based on at least one rule associated with the first account identifier. A modified authorization request message for the payment transaction is generated. The modified authorization request message includes the second account identifier. The modified authorization request message is transmitted to an issuer system associated with the second account identifier. A transaction history record based on the payment transaction and the second account identifier is stored.

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 20/42 - Confirmation, p.ex. contrôle ou autorisation de paiement par le débiteur légal
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

68.

METHOD FOR SECURELY SUPPLYING ENERGY TO VEHICLES

      
Numéro d'application US2023016463
Numéro de publication 2023/192206
Statut Délivré - en vigueur
Date de dépôt 2023-03-27
Date de publication 2023-10-05
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Sullivan, Brian
  • Carrillo, Steven
  • Aabye, Christian
  • Faszczewski, Cezary

Abrégé

A method is disclosed. It includes establishing a communication session between a vehicle comprising a first processor and an energy supply terminal comprising a second processor. The method includes obtaining, by the first processor in the vehicle, a credential or token, and then generating an encrypted data packet including the credential or token. The method also includes providing the encrypted data packet to the energy supply terminal. The energy supply terminal transmits the encrypted data packet to a service provider computer, which decrypts the encrypted data packet to obtain the credential or token, and then processes a transaction for supplying the vehicle with energy using the credential or the token.

Classes IPC  ?

  • B60L 53/30 - PROPULSION DES VÉHICULES À TRACTION ÉLECTRIQUE; FOURNITURE DE L'ÉNERGIE ÉLECTRIQUE À L'ÉQUIPEMENT AUXILIAIRE DES VÉHICULES À TRACTION ÉLECTRIQUE; SYSTÈMES DE FREINS ÉLECTRODYNAMIQUES POUR VÉHICULES, EN GÉNÉRAL; SUSPENSION OU LÉVITATION MAGNÉTIQUES POUR VÉHICULES; CONTRÔLE DES PARAMÈTRES DE FONCTIONNEMENT DES VÉHICULES À TRACTION ÉLECTRIQUE; DISPOSITIFS ÉLECTRIQUES DE SÉCURITÉ POUR VÉHICULES À TRACTION ÉLECTRIQUE Échange d'éléments d’emmagasinage d'énergie dans les véhicules électriques - Détails de construction des stations de charge
  • B60L 53/31 - Colonnes de charge spécialement adaptées aux véhicules électriques
  • B60L 53/66 - Transfert de données entre les stations de charge et le véhicule
  • B60L 53/18 - Câbles spécialement adaptés pour recharger des véhicules électriques

69.

IN-PERSON PEER-TO-PEER TRANSFER USING TAP

      
Numéro d'application US2023000012
Numéro de publication 2023/191915
Statut Délivré - en vigueur
Date de dépôt 2023-03-29
Date de publication 2023-10-05
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Sevanto, Jarkko, Oakari
  • De Torres Gomes, Micael
  • Modi, Vikram

Abrégé

Embodiments allow a user of a first user device transfer funds to a recipient having a second user device. The first user device includes a communication device including a transfer application linked to a first account of the user. The second user device includes a payment card or a communication device that does not have the transfer application. Tapping the first user device to the second user device transmits an account identifier of a recipient account from the second user device to the first user device. The transfer application receives the recipient account identifier and an amount to be transferred to the recipient account. The transfer application generates a push request and transmits the push request to the processing network, which coordinates debiting the amount to the first account and crediting the amount to the recipient account.

Classes IPC  ?

  • 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 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
  • G06Q 20/22 - Schémas ou modèles de paiement

70.

PRIVATE-SET INTERSECTION OF UNBALANCED DATASETS

      
Numéro d'application US2023015815
Numéro de publication 2023/192071
Statut Délivré - en vigueur
Date de dépôt 2023-03-21
Date de publication 2023-10-05
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Badrinarayanan, Saikrishna
  • Das, Sourav
  • Garimella, Gayathri Annapurna
  • Raghuraman, Srinivasan
  • Rindal, Peter Byerley

Abrégé

Private set intersection (PSI) protocols can be efficiently performed for sets of disparate sizes. A server can compute an array, such as an inverted Bloom filter or cuckoo hash table, that represents the content of the server set. A client can query the array, e.g., using a private information retrieval (PIR) protocol, to obtain information that enables the client to determine whether a particular element of the client's set is also in the server's set. By repeating the query for each element of the client's set, the client can learn the intersection.

Classes IPC  ?

  • H04L 9/40 - 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

71.

THRESHOLD SEARCHABLE SYMMETRIC ENCRYPTION

      
Numéro d'application US2023064655
Numéro de publication 2023/183760
Statut Délivré - en vigueur
Date de dépôt 2023-03-17
Date de publication 2023-09-28
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Badrinarayanan, Saikrishna
  • Mukherjee, Pratyay
  • Patranabis, Sikhar

Abrégé

A data owner can provide shares of a cryptographic key to N key servers. The N key servers can store the shares of a cryptographic key from the data owner such that T shares of the cryptographic key can be used to reconstruct the cryptographic key. A client computer can send a blinded query to T key servers of the N key severs, wherein the T key servers can encrypt a blinded query of a client computer using the share of the cryptographic key to determine a partial encryption. The client computer can receive T partial encryptions, assemble T partial encryptions to form an encrypted blinded query, and deblind the encrypted blinded query. The client computer can then use the encrypted query to perform a search on encrypted data of a remote database server using a searchable symmetric encryption scheme.

Classes IPC  ?

  • H04L 9/14 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité utilisant plusieurs clés ou algorithmes
  • 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 9/08 - Répartition de clés

72.

SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR DYNAMIC PEER GROUP ANALYSIS OF SYSTEMATIC CHANGES IN LARGE SCALE DATA

      
Numéro d'application US2023015905
Numéro de publication 2023/183387
Statut Délivré - en vigueur
Date de dépôt 2023-03-22
Date de publication 2023-09-28
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Kosan, Mert
  • Agrawal, Shubham
  • He, Linyun
  • Wu, Yuhang
  • Lin, Yu-San
  • Wang, Lan
  • Wang, Fei
  • Chetia, Chiranjeet

Abrégé

Provided are systems, methods, and computer program products for dynamic peer group analysis for systematic changes in large scale data. Data associated with a plurality of entities is received and a relational graph is generated based on the data. A target entity is selected and a peer group for the target entity is determined based on the relational graph. An average and a standard deviation of the risk scores of the peer group are calculated and used to determine whether a systematic change in the behavior of the peer group has occurred. Whether a change in behavior of the target entity is a false anomaly or a true anomaly is determined based on whether a systematic change in the behavior of the peer group has occurred. An action is performed based on whether the change in behavior of the target entity is a false anomaly or a true anomaly.

Classes IPC  ?

  • G06F 21/55 - Détection d’intrusion locale ou mise en œuvre de contre-mesures
  • H04L 43/026 - Capture des données de surveillance en utilisant l’identification du flux
  • H04L 41/0893 - Affectation de groupes logiques aux éléments de réseau
  • H04L 41/0894 - Gestion de la configuration du réseau basée sur des règles

73.

SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR EFFICIENTLY JOINING TIME-SERIES DATA TABLES

      
Numéro d'application US2022021623
Numéro de publication 2023/182990
Statut Délivré - en vigueur
Date de dépôt 2022-03-24
Date de publication 2023-09-28
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Bendre, Mangesh
  • Christensen, Robert, Brian
  • Zheng, Yan
  • Zhang, Wei
  • Wang, Fei
  • Yang, Hao

Abrégé

Described are a system, method, and computer program product for efficiently joining time-series data tables. The method includes loading a first table and a second table into a memory and generating a set of first key-value pairs based on a set of first time-series records and a set of second key-value pairs based on a set of second time-series records. The method also includes sorting the set of first key-value pairs and the set of second key-value pairs. The method further includes interleaving the set of first key-value pairs with the set of second key-value pairs and sequentially matching the sets of time-series records to form a joined table. The method further includes, in response to matching each respective second time-series record with the respective first time-series record, removing the respective second time-series record from the at least one memory.

Classes IPC  ?

  • G06F 16/00 - Recherche d’informations; Structures de bases de données à cet effet; Structures de systèmes de fichiers à cet effet

74.

OFFLINE INTERACTION BLOCKCHAIN SYSTEM AND METHOD

      
Numéro d'application US2023015562
Numéro de publication 2023/177902
Statut Délivré - en vigueur
Date de dépôt 2023-03-17
Date de publication 2023-09-21
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Zamani, Mahdi
  • Kumaresan, Ranjit
  • Raghuraman, Srinivasan
  • Minaei Bidgoli, Mohammad Mohsen
  • Beams, Andrew

Abrégé

A method includes receiving, by a user device, an interaction request message for an interaction. The interaction request message comprises a requested amount from a resource provider computer. A secure element on the user device selects between an offline balance and an offline amount of program tokens stored in the secure element. The offline amount of program tokens can be selected. The secure element on the user device can deduct the requested amount from the offline amount of program tokens. The user device can complete the interaction with the resource provider computer.

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 20/06 - 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 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile

75.

SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR INTERPRETING BLACK BOX MODELS BY PERTURBING TRANSACTION PARAMETERS

      
Numéro d'application US2022037592
Numéro de publication 2023/177414
Statut Délivré - en vigueur
Date de dépôt 2022-07-19
Date de publication 2023-09-21
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Cao, Shi
  • Chetia, Chiranjeet
  • Kan, Xi
  • Wang, Dan

Abrégé

A computer-implemented method includes: receiving an inquiry request message identifying a first payment transaction having a plurality of transaction parameters and a risk score, where the risk score is generated by a machine-learning model based on the plurality of transaction parameters; for each transaction parameter of the plurality of transaction parameters, perturbing a value of the transaction parameter and re-analyzing the first payment transaction with the machine-learning model to generate a perturbed risk score based on the perturbed transaction parameter; determining at least one impact parameter from the plurality of transaction parameters by comparing the perturbed risk scores generated for each of the plurality of transaction parameters; and generating an inquiry response message based on the at least one impact parameter.

Classes IPC  ?

  • G06N 3/08 - Méthodes d'apprentissage
  • G06N 5/02 - Représentation de la connaissance; Représentation symbolique
  • G06F 17/18 - Opérations mathématiques complexes pour l'évaluation de données statistiques

76.

TOKEN ACTIVATION DURING AUTHORIZATION

      
Numéro d'application US2023063984
Numéro de publication 2023/172980
Statut Délivré - en vigueur
Date de dépôt 2023-03-08
Date de publication 2023-09-14
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Jacobs, Jan
  • Haenlein, Brandon

Abrégé

A method is disclosed. The method includes receiving, by a token service computer, a request to obtain a token, and then obtaining the token. The method also includes receiving a request to activate the token, after the token is used to conduct a transaction.

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

77.

CRYPTOGRAPHIC KEY STORE ON CARD

      
Numéro d'application US2022019559
Numéro de publication 2023/172261
Statut Délivré - en vigueur
Date de dépôt 2022-03-09
Date de publication 2023-09-14
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s) Ilgicioglu, Abdullah Burak

Abrégé

A method includes a sender device operated by a sender receiving a receiver address associated with a receiver. The sender device prompts the sender to interact a card comprising a processor and a memory storing a sender public key and a sender private key of a sender public-private key pair associated with a blockchain network, the card held by the sender. The sender device transmits interaction data including the receiver address, a sender address of the sender, and a value to the card. The processor of the card retrieves the sender private key and signs the interaction data to produce signed interaction data. The sender device receives the signed interaction data and the sender public key. The sender device transmits the interaction data and the signed interaction data to the blockchain network. The blockchain network records the interaction data and the signed interaction data in a block of a blockchain.

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 67/1097 - Protocoles dans lesquels une application est distribuée parmi les nœuds du réseau pour le stockage distribué de données dans des réseaux, p.ex. dispositions de transport pour le système de fichiers réseau [NFS], réseaux de stockage [SAN] ou stockage en réseau [NAS]

78.

OFFLINE ACCESS FOR VEHICLES

      
Numéro d'application US2023062267
Numéro de publication 2023/172800
Statut Délivré - en vigueur
Date de dépôt 2023-02-09
Date de publication 2023-09-14
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Hurry, Simon
  • Aabye, Christian
  • Melnick, Ethan

Abrégé

A method includes transmitting an authorization request message with a credential or a token associated with a first user to an authorizing entity computer, and then receiving, from the authorizing entity computer, an authorization response message; and responsive to receiving the authorization response message. The method also includes transmitting the credential or the token to a vehicle. The first user is able to access the vehicle by presenting a user device that contains the credential or token to the vehicle.

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

79.

PRIVACY-PRESERVING DATA DEDUPLICATION

      
Numéro d'application US2023063222
Numéro de publication 2023/164616
Statut Délivré - en vigueur
Date de dépôt 2023-02-24
Date de publication 2023-08-31
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Arora, Sunpreet Singh
  • Badrinarayanan, Saikrishna
  • Patranabis, Sikhar
  • Raghuraman, Srinivasan
  • Wagner, Kim
  • Watson, Gaven, James

Abrégé

A method includes a server computer receiving, from a first data provider computer, encrypted data derived from first identity data and a cryptographic key or derivative thereof stored at the first data provider computer. The server computer transmits, to a second data provider computer, the encrypted data and/or the cryptographic key or derivative thereof. The server computer receives, from the second data provider computer, intermediate data derived from second identity data stored at the second data provider computer. The server computer determines if the first identity data and the second identity data are duplicates while the first identity data and the second identity data are encrypted. The server computer removes one of encrypted first identity data, derived from the first identity data, and encrypted second identity data, derived from the second identity data, from a memory in the server computer.

Classes IPC  ?

  • H04L 9/40 - Protocoles réseaux de sécurité
  • 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

80.

METHOD, SYSTEM, AND COMPUTER PROGRAM PRODUCT FOR MANAGING CONFIGURATION LEASE

      
Numéro d'application US2022017597
Numéro de publication 2023/163700
Statut Délivré - en vigueur
Date de dépôt 2022-02-24
Date de publication 2023-08-31
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Coale, Christopher, Aaron
  • Saini, Amit
  • Kasarabada, Sanjeev

Abrégé

Provided is a computer-implemented method, system, and computer program product for leasing decoupled configurations and managing configuration lease persistence with application state management including receiving a configuration set lease request from a client application in response to the client application being launched. In response to receiving the configuration set lease request, the method, system, and computer program product includes determining a unique configuration set from a pool of different configuration sets. Further, the method, system, and computer program product includes communicating the unique configuration set to the client application and activating a lease of the unique configuration set by associating the client application with the unique configuration set in a lease database. In response to determining that the lease is valid, persisting the lease in the lease database. In response to determining that the lease is invalid, deactivating the lease of the unique configuration set in the lease database.

Classes IPC  ?

  • G06F 9/445 - Chargement ou démarrage de programme
  • G06F 9/46 - Dispositions pour la multiprogrammation

81.

METHOD, SYSTEM, AND COMPUTER PROGRAM PRODUCT FOR GENERATING ROBUST GRAPH NEURAL NETWORKS USING UNIVERSAL ADVERSARIAL TRAINING

      
Numéro d'application US2023013290
Numéro de publication 2023/158786
Statut Délivré - en vigueur
Date de dépôt 2023-02-17
Date de publication 2023-08-24
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  ?

82.

METHOD AND SYSTEM FOR PERFORMING TRANSACTION BY IMPLEMENTING A TOKEN PROVISIONING SERVICE

      
Numéro d'application IB2023051387
Numéro de publication 2023/156924
Statut Délivré - en vigueur
Date de dépôt 2023-02-16
Date de publication 2023-08-24
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Mulani, Pramod Manohar
  • Hota, Manjit Ranjan
  • P., Rajagopal
  • Shukla, Vaibhav
  • Patruni, Satish
  • Ethirkottai, Sundararajan, Anandan

Abrégé

The present disclosure discloses a method and a system for performing transaction. In an embodiment, when a user initiates a card transaction at an entity, the method comprises receiving card information of the user from the entity for performing transaction. In response to receiving the card information, the method comprises identifying whether an alternate identifier is present for the card information in a. first server. If the alternate identifier is present in the first server, the method comprises transmitting the alternate identifier from the first server and a cryptogram value associated with the alternate identifier to the entity for performing the transaction. If the alternate identifier is not present in the first server, the method comprises transmitting the alternate identifier for the card information by obtaining the alternate identifier from a second server and the cryptogram value associated with the alternate identifier to the entity for performing the transaction.

Classes IPC  ?

  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • 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 20/14 - Architectures de paiement spécialement adaptées aux systèmes de facturation
  • 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

83.

SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR SECURE DATA DISTRIBUTION

      
Numéro d'application US2022016394
Numéro de publication 2023/158420
Statut Délivré - en vigueur
Date de dépôt 2022-02-15
Date de publication 2023-08-24
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Prokop, Bartlomiej, Piotr
  • Carroll, Bryan
  • John, Rhidian, Desmond Thomas
  • Nicholl, Julie

Abrégé

A method, system, and computer program product is provided for secure data distribution. The system includes at least one processor programmed or configured to receive, from a first system, a data capture request, generate a data capture object including a plurality of orchestration rules and a first public key, digitally sign the data capture object with a second private key corresponding to a second public key, transmit the data capture object to the first system, receive encrypted user data including user data encrypted with the first public key, generate a transient token based on the user data and the plurality of orchestration rules, and distribute the transient token to each party of the plurality of parties by transmitting the transient token to the first system via a 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

84.

PRIVACY-PRESERVING BIOMETRICS FOR MULTI-FACTOR AUTHENTICATION

      
Numéro d'application US2023061861
Numéro de publication 2023/158930
Statut Délivré - en vigueur
Date de dépôt 2023-02-02
Date de publication 2023-08-24
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Badrinarayanan, Saikrishna
  • Arora, Sunpreet Singh

Abrégé

A method includes generating a second public key and a second private key of a second public-private key pair, and transmitting the second public key to a first user device, which stores an encrypted biometric template. The encrypted biometric template is a biometric template encrypted with a first public key of a first public-private key pair. The first user device encrypts the encrypted biometric template with the second public key to form a double encrypted biometric template. The method includes receiving the double encrypted biometric template from the first user device, decrypting the double encrypted biometric template using the second private key to obtain the encrypted biometric template, determining a test biometric template and encrypting the test biometric template, comparing the encrypted test biometric template and the encrypted biometric template to obtain an encrypted biometric match score, and transmitting the encrypted biometric match score to a server computer.

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 9/00 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité

85.

APPLICATION INTEGRITY VERIFICATION BY SDK

      
Numéro d'application US2022016358
Numéro de publication 2023/154066
Statut Délivré - en vigueur
Date de dépôt 2022-02-14
Date de publication 2023-08-17
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Chen, Yuexi
  • Markh, John

Abrégé

A method is disclosed and includes executing an integrated application comprising an SDK (software development kit) on a user device with a processor. The method includes determining, by the SDK and the processor on the user device, an checksum for the integrated application, validating, by the SDK in the user device, the integrated application using the determined checksum, and responsive to validating the determined checksum, performing, by the integrated application on the user device, an action.

Classes IPC  ?

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

86.

SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR SECURE EDGE COMPUTING OF A MACHINE LEARNING MODEL

      
Numéro d'application US2023012076
Numéro de publication 2023/150137
Statut Délivré - en vigueur
Date de dépôt 2023-02-01
Date de publication 2023-08-10
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Liu, Miaomiao
  • He, Runxin
  • Cheng, Yinhe
  • Gu, Yu

Abrégé

Described are a system, method, and computer program product for secure edge computing of a machine learning model. The method includes transmitting, with a server, a first portion of a machine learning model to a computing device remote from the server. The first portion includes at least one first layer of the machine learning model configured to process a first input of data collected by the computing device and generate an output. The method also includes receiving, with the server from the computing device, encoded model data including the output. The method further includes decoding, with the server, the encoded model data to produce decoded model data, and generating, with the server, a classification based on the first input of data by executing a second portion of the machine learning model.

Classes IPC  ?

  • G06F 18/241 - Techniques de classification relatives au modèle de classification, p.ex. approches paramétriques ou non paramétriques
  • G06F 9/50 - Allocation de ressources, p.ex. de l'unité centrale de traitement [UCT]
  • G06F 16/90 - Recherche d’informations; Structures de bases de données à cet effet; Structures de systèmes de fichiers à cet effet - Détails des fonctions des bases de données indépendantes des types de données cherchés
  • G06N 3/0464 - Réseaux convolutifs [CNN, ConvNet]

87.

SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR INTERPRETING BLACK BOX MODELS FOR PAYMENT AUTHORIZATION DECISIONS

      
Numéro d'application US2023012248
Numéro de publication 2023/150247
Statut Délivré - en vigueur
Date de dépôt 2023-02-03
Date de publication 2023-08-10
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Kan, Xi
  • Wang, Dan
  • Onovae, Okeoghene, Duke
  • Das, Rajat

Abrégé

A computer-implemented method includes: receiving an inquiry request message identifying a first payment transaction having a first plurality of transaction parameters and a first authorization decision; querying a database including transaction data associated with a plurality of historical payment transactions to identify a subset of historical payment transactions, the transaction data including, for each of the plurality of historical payment transactions, a plurality of transaction parameters and an authorization decision, the subset of historical payment transactions including payment transactions having an authorization decision different from the first authorization decision and having a similarity score that satisfies a threshold; determining an impact parameter of the first plurality of transaction parameters by comparing the first plurality of transaction parameters with the plurality of transaction parameters associated with the plurality of historical payment transactions in the subset; and generating an inquiry response message based on the impact parameter.

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 10/0635 - Analyse des risques liés aux activités d’entreprises ou d’organisations
  • G06N 20/00 - Apprentissage automatique
  • G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil

88.

MULTI-LEVEL FINGERPRINTS TO DERIVE MISSING DATA DURING RETRY DETECTION

      
Numéro d'application US2023060836
Numéro de publication 2023/147237
Statut Délivré - en vigueur
Date de dépôt 2023-01-18
Date de publication 2023-08-03
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Mccarter, Ryan
  • Catney, Charles
  • Mckillop, Hugh

Abrégé

A method performed by an access server is disclosed. The method including receiving a first access request including various fields of data for accessing a resource. The method may then generate a first fingerprint using a first value of a first field of the first access request and store the first fingerprint. After, the access server may receive a second access request, and generate a second fingerprint using a second value of the first field of the second access request. Then the first fingerprint can be compared to the second fingerprint to determine a possible match of the second access request to the first access request. A database is accessed using data of the first or second access request, to retrieve missing data in the first or second access request. The missing data can be compared to a corresponding field of the other access request to confirm a match.

Classes IPC  ?

  • G06F 21/32 - Authentification de l’utilisateur par données biométriques, p.ex. empreintes digitales, balayages de l’iris ou empreintes vocales
  • G06F 21/33 - Authentification de l’utilisateur par certificats
  • 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

89.

SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR ENERGY EFFICIENT GENERATION OF ARTIFICIAL NOISE TO PREVENT SIDE-CHANNEL ATTACKS

      
Numéro d'application US2023011705
Numéro de publication 2023/147025
Statut Délivré - en vigueur
Date de dépôt 2023-01-27
Date de publication 2023-08-03
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Jin, Shan
  • Xu, Minghua
  • Christodorescu, Mihai

Abrégé

Methods, systems, and computer program products are provided for energy efficient generation of artificial noise to prevent side-channel attacks. An example method includes storing at least one secret value including secret value bits. At least one cryptographic operation is executed based on the at least one secret value. An artificial sequence generator stores at least one state indication based on a plurality of previous cryptographic operations executed on the device. A plurality of samples of artificial noise are generated, and a number of the plurality of samples is based on at least one power constraint parameter. Each sample of artificial noise of the plurality of samples of artificial noise is overlaid over a respective portion of a side channel signal based on the at least one state indication to mask leakage information associated with the at least one secret value on the side channel signal.

Classes IPC  ?

  • G06F 21/55 - Détection d’intrusion locale ou mise en œuvre de contre-mesures
  • G06F 7/72 - Méthodes ou dispositions pour effectuer des calculs en utilisant une représentation numérique non codée, c. à d. une représentation de nombres sans base; Dispositifs de calcul utilisant une combinaison de représentations de nombres codées et non codées utilisant l'arithmétique des résidus
  • G06F 9/44 - Dispositions pour exécuter des programmes spécifiques
  • G06F 21/00 - Dispositions de sécurité pour protéger les calculateurs, leurs composants, les programmes ou les données contre une activité non autorisée
  • H04L 9/00 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité

90.

SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR DYNAMIC NODE CLASSIFICATION IN TEMPORAL-BASED MACHINE LEARNING CLASSIFICATION MODELS

      
Numéro d'application US2023011830
Numéro de publication 2023/147106
Statut Délivré - en vigueur
Date de dépôt 2023-01-30
Date de publication 2023-08-03
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  ?

  • 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
  • G06F 16/90 - Recherche d’informations; Structures de bases de données à cet effet; Structures de systèmes de fichiers à cet effet - Détails des fonctions des bases de données indépendantes des types de données cherchés
  • G06F 18/241 - Techniques de classification relatives au modèle de classification, p.ex. approches paramétriques ou non paramétriques
  • G06N 3/0464 - Réseaux convolutifs [CNN, ConvNet]
  • G06N 3/049 - Réseaux neuronaux temporels, p.ex. éléments à retard, neurones oscillants ou entrées impulsionnelles
  • G06N 3/082 - Méthodes d'apprentissage modifiant l’architecture, p.ex. par ajout, suppression ou mise sous silence de nœuds ou de connexions

91.

METHOD, SYSTEM, AND COMPUTER PROGRAM PRODUCT FOR AUTHENTICATING DIGITAL TRANSACTIONS

      
Numéro d'application US2023011424
Numéro de publication 2023/141352
Statut Délivré - en vigueur
Date de dépôt 2023-01-24
Date de publication 2023-07-27
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Prabhakar, Rajagopal
  • Mulani, Pramod
  • Manoharan, Hemanth Kumar
  • Ramasubbu, Bama
  • Sundararajan, Anandan, Ethirkottai
  • Patruni, Satish, Kumar
  • Sabapathy, Punniyakotti
  • Tharoor, Sandeep
  • Agrawal, Khushboo
  • Premvir, Premvir

Abrégé

Methods for authenticating digital transactions include receiving a device registration request, a device attestation response including a first token, and a selection of an authentication mode from a device. In response to receiving the device registration request and determining that the selected authentication mode is a static personal identification number (PIN) authentication mode, a device registration response is provided to the device. A first payment transaction request and an enrolment request to authenticate a second payment transaction request using the static PIN authentication mode are subsequently received from the device. The device is communicated with to receive the static PIN from the device. The device is enrolled based on the static PIN. Systems and computer program products are also provided.

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 30/06 - Transactions d’achat, de vente ou de crédit-bail
  • 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

92.

SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR TIME-BASED ENSEMBLE LEARNING USING SUPERVISED AND UNSUPERVISED MACHINE LEARNING MODELS

      
Numéro d'application US2022013047
Numéro de publication 2023/140841
Statut Délivré - en vigueur
Date de dépôt 2022-01-20
Date de publication 2023-07-27
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Cheng, Yinhe
  • Gu, Yu
  • Hamilton, Sam, Peter

Abrégé

Provided are systems for ensemble learning with machine learning models that include a processor to receive a training dataset of a plurality of data instances, wherein each data instance comprises a time series of data points, add an amount of time delay to one or more data instances to provide an augmented training dataset, select a first plurality of supervised machine learning models, select a second plurality of unsupervised machine learning models, train the first plurality of supervised machine learning models and the second plurality of unsupervised machine learning models based on the augmented training dataset, generate an ensemble machine learning model based on outputs of the supervised machine learning models and unsupervised machine learning models, and generate a runtime output of the ensemble machine learning model based on a runtime input to the ensemble machine learning model. Methods and computer program products are also provided.

Classes IPC  ?

93.

SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR SYSTEM MACHINE LEARNING IN DEVICE PLACEMENT

      
Numéro d'application US2022012216
Numéro de publication 2023/136821
Statut Délivré - en vigueur
Date de dépôt 2022-01-13
Date de publication 2023-07-20
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Cheng, Yinhe
  • Hamilton, Sam, Peter
  • Gu, Yu

Abrégé

Systems, methods, and computer program products that use unsupervised learning to learn relationships between operations of a machine learning model based on a model graph representation to group the operations into clusters and, given a set of clusters and labels for the clusters, use a reinforcement learning algorithm to generate a final device placement result for the machine learning model.

Classes IPC  ?

  • G06T 1/20 - Architectures de processeurs; Configuration de processeurs p.ex. configuration en pipeline

94.

SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR DATA CONTROLLER PLATFORM

      
Numéro d'application US2022042865
Numéro de publication 2023/121726
Statut Délivré - en vigueur
Date de dépôt 2022-09-08
Date de publication 2023-06-29
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Kunjal Chandrahas, Shreyas
  • Chandra, Saurabh

Abrégé

Provided are systems for controlling a data pipeline in a data pipeline ecosystem that include at least one processor to receive metadata parameters for a data pipeline, store the metadata parameters in a data repository, generate a logical representation of the data pipeline based on the metadata parameters, execute the data pipeline based on the metadata parameters of the data pipeline, and model the data pipeline using the directed acyclic graph (DAG) of the data pipeline. Methods and computer program products are also provided

Classes IPC  ?

  • G06F 16/901 - Indexation; Structures de données à cet effet; Structures de stockage
  • G06F 16/25 - Systèmes d’intégration ou d’interfaçage impliquant les systèmes de gestion de bases de données

95.

SIMULATOR APPLICATION ON MOBILE DEVICE FOR INTEGRATION TESTING

      
Numéro d'application US2021064176
Numéro de publication 2023/113828
Statut Délivré - en vigueur
Date de dépôt 2021-12-17
Date de publication 2023-06-22
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Chen, Yuexi
  • Kekicheff, Marc
  • Aabye, Christian
  • Pierre, Alexandre

Abrégé

Methods and systems for performing efficient integration tests on mobile device for contactless data transfers are described. Rather than performing contactless communications with a variety of test user devices (e.g., test smart cards), which may be time consuming and may present physical difficulty, a mobile device can simulate the result of these communications using a simulator application operating on the mobile device. A contactless communication application, also operating on the mobile device, can communicate with the simulator application in order to generate interaction payloads based on stored data records corresponding to the test user devices. These interaction payloads can then be transmitted by the mobile device to a processing computer. Later, the mobile device may receive a response from the processing computer or another computer system, indicating if the interaction payloads were successfully received and interpreted. This in turn may indicate if the integration test was successful.

Classes IPC  ?

  • G06F 11/34 - Enregistrement ou évaluation statistique de l'activité du calculateur, p.ex. des interruptions ou des opérations d'entrée–sortie
  • G06F 11/26 - Tests fonctionnels
  • G06F 11/263 - Génération de signaux d'entrée de test, p.ex. vecteurs, formes ou séquences de test
  • G06F 11/36 - Prévention d'erreurs en effectuant des tests ou par débogage de logiciel
  • H04M 1/24 - Dispositions pour les tests

96.

UNIVERSAL PAYMENT CHANNEL SYSTEM AND METHOD

      
Numéro d'application US2022081278
Numéro de publication 2023/108127
Statut Délivré - en vigueur
Date de dépôt 2022-12-09
Date de publication 2023-06-15
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Minaei Bidgoli, Mohammad Mohsen
  • Kumaresan, Ranjit
  • Yang, Yibin
  • Raghuraman, Srinivasan
  • Zamani, Mahdi
  • Christodorescu, Mihai
  • Gu, Wanyun

Abrégé

A hub computer receives, from a first computer, a sender message comprising a promise corresponding to a transaction comprising a promise type, an amount, a first verification key associated with the first computer, computer code, and a digital signature. The hub computer verifies the promise by at least verifying the digital signature using the first verification key, verifying that the amount is less than a first computer amount, and verifying that the hub computer is able to process the promise type. The hub computer executes the computer code to perform the transaction.

Classes IPC  ?

  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • 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
  • 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

97.

SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR CLEANING NOISY DATA FROM UNLABELED DATASETS USING AUTOENCODERS

      
Numéro d'application US2022042433
Numéro de publication 2023/107164
Statut Délivré - en vigueur
Date de dépôt 2022-09-02
Date de publication 2023-06-15
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Chen, Qingguo
  • Cai, Yiwei
  • Wang, Dan
  • Wu, Peng

Abrégé

Methods, systems, and computer program products are provided for cleaning noisy data from unlabeled datasets using autoencoders. A method includes receiving training data including noisy samples and other samples. An autoencoder network is trained based on the training data to increase a first metric based on the noisy samples and to reduce a second metric based on the other samples. Unlabeled data including unlabeled samples is received. A plurality of third outputs is generated by the autoencoder network based on the plurality of unlabeled samples. For each respective unlabeled sample, a respective third metric is determined based on the respective unlabeled sample and a respective third output, and whether to label the respective unlabeled sample as noisy or clean is determined based on the respective third metric and a threshold. Each respective unlabeled sample determined to be labeled as noisy is cleaned.

Classes IPC  ?

  • G06K 9/62 - Méthodes ou dispositions pour la reconnaissance utilisant des moyens électroniques
  • G06N 3/04 - Architecture, p.ex. topologie d'interconnexion
  • G06N 3/08 - Méthodes d'apprentissage

98.

SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR GRAPH-BASED FRAUD DETECTION

      
Numéro d'application US2022051607
Numéro de publication 2023/102157
Statut Délivré - en vigueur
Date de dépôt 2022-12-02
Date de publication 2023-06-08
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Tangri, Anurag
  • Chetia, Chiranjeet

Abrégé

A method, system, and computer program product is provided for graph-based fraud detection. The system includes at least one processor programmed or configured to generate a graph data structure based on a plurality of transactions between a plurality of accounts, wherein each account of the plurality of accounts is represented by a node in the graph data structure, and wherein each transaction of the plurality of transactions is represented by an edge in the graph data structure, determine a plurality of features of the graph data structure for each account of the plurality of accounts, generate a graph profile for at least one account of the plurality of accounts based on the plurality of features for the at least one account, and update the graph profile for the at least one account based on at least one new transaction engaged in by the at least one account.

Classes IPC  ?

  • 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

99.

METHOD, SYSTEM, AND COMPUTER PROGRAM PRODUCT FOR COMMUNITY DETECTION

      
Numéro d'application US2022050203
Numéro de publication 2023/096810
Statut Délivré - en vigueur
Date de dépôt 2022-11-17
Date de publication 2023-06-01
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • Das, Mahashweta
  • Tangri, Anurag
  • Chetia, Chiranjeet

Abrégé

Methods, systems, and computer program products for community detection: (i) obtain a plurality of node embeddings associated with a graph; (ii) determine a number of clusters into which the plurality of node embeddings is to be clustered; (iii) cluster, based on distances between pairs of node embeddings, the plurality of node embeddings into the number of clusters until, for each node embedding in each cluster, a node associated with that node embedding is within k-hops in the graph of each other node associated with each other node embedding in that cluster; (iv) reposition centroids of the number of clusters; (v) repeat steps (iii) and (iv) until a first stopping criteria is satisfied; (vi) repeat steps (ii) through (v) until a second stopping criteria that depends on a conductance of a clustering including the number of clusters is satisfied; and (vii) provide the clustering including the number of clusters.

Classes IPC  ?

  • G06F 16/28 - Bases de données caractérisées par leurs modèles, p.ex. des modèles relationnels ou objet
  • G06F 16/901 - Indexation; Structures de données à cet effet; Structures de stockage

100.

AUTOMATIC MODEL ONBOARDING AND SEARCHING-BASED OPTIMIZATION

      
Numéro d'application US2021060648
Numéro de publication 2023/096637
Statut Délivré - en vigueur
Date de dépôt 2021-11-23
Date de publication 2023-06-01
Propriétaire VISA INTERNATIONAL SERVICE ASSOCIATION (USA)
Inventeur(s)
  • He, Runxin
  • Gu, Yu
  • Roy, Subir

Abrégé

Embodiments of the present disclosure are directed to onboarding a model from a training platform to an inference platform and selecting parameters of the model to optimize performance of the model. For example, the onboarding of the model to the inference platform can be based on a series of interactions between a model onboarding systems at the training platform and at the inference platform. An optimization process can include a searching-based process to derive optimal settings for the model. The optimization process can simulate feature combinations of the model and identify an optimal combination of settings of the model for increased model performance.

Classes IPC  ?

  • G06N 20/20 - Techniques d’ensemble en apprentissage automatique
  • G06N 5/04 - Modèles d’inférence ou de raisonnement
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