Visa International Service Association patent applications published on November 30th, 2023

Summary of the patent applications from Visa International Service Association on November 30th, 2023

Visa International Service Association has recently filed several patents for various innovative technologies. These patents cover a range of areas including appliance device resource cataloging, network protocol parsing for enhanced security, tracking different types of records using a single blockchain, user authentication using biometric templates, generating multi-record messages during interactions, detecting network anomalies, generating pre-purchasing confidence recommendations, determining authorization provider capabilities, and secure network transactions.

Summary: Visa International Service Association has filed patents for innovative technologies in various fields. These include a platform for appliance devices to have a local resource catalog, parsing network protocols for enhanced security, tracking different types of records using a single blockchain, user authentication using biometric templates, generating multi-record messages during interactions, detecting network anomalies, generating pre-purchasing confidence recommendations, determining authorization provider capabilities, and secure network transactions.

Notable Applications:

• Appliance device platform with local resource catalog and transaction generation.
• Network protocol parsing for enhanced security.
• Tracking different types of records using a single blockchain.
• User authentication using biometric templates and homomorphic encryption.
• Generating multi-record messages during interactions with access devices.
• Detecting network anomalies through graphical representation.
• Generating pre-purchasing confidence recommendations using browser widgets.
• Determining authorization provider capabilities for specific transactions.
• Secure network transactions with a focus on physical address verification.
• Electronic Receipt Manager app for organizing and storing receipts.

Overall, these patents demonstrate Visa International Service Association's commitment to innovation in various areas such as device platforms, network security, blockchain technology, user authentication, transaction management, network anomaly detection, and customer experience enhancement.

Patent applications for Visa International Service Association on November 30th, 2023

System, Method, and Computer Program Products for Modeling Complex Hierarchical Metadata with Multi-Generational Terms (18326085)

Main Inventor

Martin David Izenson

Brief explanation

This patent application describes a method, system, and computer program for modeling business terms based on attributes and characteristics of a data source, specifically a payment processing system. The method involves the following steps:

• Determining principal terms that represent the first attribute of the payment processing system.
• Generating a variety of complex terms that include a principal term and represent the second attribute of the payment processing system.
• Creating a logical model that includes relations between multiple generations of complex terms arranged in a hierarchical data structure.
• Linking the logical model by mapping each physical data field of the payment processing system to a principal term or complex term in the logical model as metadata.
• Automatically generating an interactive data dictionary for the payment processing system based on the physical data fields and their corresponding attributes.

This patent application aims to simplify the modeling of business terms in a payment processing system by creating a logical model that represents the attributes and characteristics of the system. By linking the physical data fields to the logical model, an interactive data dictionary can be automatically generated, providing a comprehensive reference for the payment processing system.

Abstract

A method, system, and computer program product is provided for modeling business terms based on attributes and characteristics of a data source. The method includes determining principal terms representing at least one first attribute of a payment processing system, generating a plurality of complex terms including a principal term and representing at least one second attribute of a payment processing system, generating a logical model of principal terms and complex terms, and comprising relations between multiple generations of complex terms arranged in a hierarchical data structure, linking the logical model by mapping each physical data field of a plurality of physical data fields to at least one of a principal term and a complex term in the logical model as metadata, and automatically generating an interactive data dictionary for the payment processing system based on each physical data field and corresponding attributes for metadata of physical data fields.

CRYPTOGRAPHICALLY SECURE DYNAMIC THIRD PARTY RESOURCES (18360244)

Main Inventor

James DONALDSON

Brief explanation

The abstract describes a system that allows for the secure sharing of updatable content resources. Here is a simplified explanation of the abstract:

• The system involves a content server that pays the content author for access to their content.
• When a requester wants to access the content, they send a session request to the content server.
• The content server generates a session for the requester and creates a payload that includes the location of the content resource and embedded cryptographic content.
• The content server sends the payload to the requester.
• A resource server receives an authentication access request from the requester, which is authenticated.
• Once authenticated, the resource server provides the requester with access to the content.

Bullet points to explain the patent/innovation:

• The system allows content authors to be paid for their content when accessed by users.
• Requesters need to send a session request to the content server in order to access the content.
• The content server generates a session and creates a payload that includes the location of the content and embedded cryptographic content to ensure security.
• The payload is then sent to the requester, who can use it to access the content.
• The resource server receives an authentication access request from the requester, which is verified to ensure authorized access.
• Once authenticated, the resource server provides the requester with access to the content.
• This system provides a secure and efficient way for content authors to share their resources and for requesters to access them.

Abstract

A system for providing updatable secure content resource. A content server may pay a content resource on the content author for an access by a requester. The content server receives a session request call from the requester prior to accessing the content resource. In response to the session request, the content server generates a session for the requester. The content server generates a payload that includes a location identifying the content resource on the content author and embeds the embedded cryptographic content. The content server transmits the generated payload to the requester. A resource server may receive an authentication access request in response to the embedded cryptographic content. In response to authenticating the authentication access request, the resource server provides the access to the requester.

ELECTRONIC RECEIPT MANAGER APPARATUSES, METHODS AND SYSTEMS (18347109)

Main Inventor

Juliene P. BRITT

Brief explanation

- The patent application is for an Electronic Receipt Manager (ERM) app that transforms transaction initiation requests and receipt requests into organized and formatted receipts.

- The ERM app can be used on a portable device and is capable of receiving receipts through an interface. - The app analyzes the receipt and determines a set of fields for formatting the data from the receipt. - The app then formats the data from the receipt to include the set of fields and stores the formatted data in the device's memory. - The ERM app helps users keep track of their receipts by organizing and storing them in a convenient and easily accessible manner.

Abstract

The ELECTRONIC RECEIPT MANAGER APPARATUSES, METHODS AND SYSTEMS (“ERM”) transforms transaction initiation requests and receipt requests via ERM components into receipt formatting, organization, storage and linkage with transactions. The ERM may be configured to receive a receipt through an interface of a portable device and determine a set of fields for formatting data from the receipt. The ERM may format the data from the receipt to include the set of fields and store the formatted data in a memory element of the portable device.

Network Appliance with Secure Element (18359567)

Main Inventor

Howard Marc Wettan

Brief explanation

The patent application describes a network apparatus with a secure element and related systems, methods, and apparatuses.

• The apparatus is designed to perform secure transactions.
• The method involves receiving a request to perform a transaction.
• The method verifies that the network address associated with the request matches a registered physical address.
• Account data is obtained and used to conduct the transaction.
• The invention aims to enhance security in network transactions by confirming the physical address associated with the request.
• The secure element in the network apparatus ensures the protection of sensitive account data.
• The innovation can be applied in various network-based systems and devices.

Abstract

Described herein is a network apparatus with secure element and related systems, methods, and apparatuses. A described method includes receiving a request to perform a transaction. The method also includes obtaining confirmation that a network address associated with the request corresponds to a registered physical address. The method further includes obtaining account data and conducting a transaction using the account data.

PROTOTYPE MESSAGE SERVICE (18365706)

Main Inventor

Gregory Loomis

Brief explanation

The patent application describes systems and techniques for a service provider to determine the capabilities of an authorization provider.

• The service provider receives a request to determine authorization provider capabilities, including an account identifier and transaction type.
• It identifies a prototype message template associated with the transaction type from a set of prototype transaction templates.
• The service provider replaces default data values with transaction-specific data values to create a prototype message.
• The prototype message is sent to the authorization provider.
• The service provider receives a response from the authorization provider.
• Based on the information in the response, the service provider determines if the authorization provider is capable of conducting the indicated transaction type.

Abstract

Described herein are systems and techniques in which a service provider may determine one or more capabilities of an authorization provider. To do this, the service provider may, upon receiving a request to determine authorization provider capabilities that includes at least an account identifier and an indication of a transaction type, identify a prototype message template associated with the indicated transaction type from a plurality of prototype transaction templates. The service provider may then overwrite a number of default data values with data values specific to the transaction to generate a prototype message for the transaction, which it may then send to the authorization provider. Upon receiving a response from the authorization provider, the service provider may determine whether the authorization provider is capable of conducting a transaction of the indicated transaction type based on information included within the received response.

METHOD, SYSTEM AND COMPUTER-READABLE MEDIUM FOR GENERATING PRE-PURCHASING CONFIDENCE RECOMMENDATIONS FOR A USER (18449170)

Main Inventor

Nikhil PATIL

Brief explanation

The patent application describes a method for generating pre-purchasing confidence recommendations using a browser widget. 

• The browser widget scans the post-sale activities of a user and looks for specific parameters of purchased items.
• The searched product-specific parameters and post-sale activities are stored in a data storage system.
• The browser widget monitors the user's purchasing activities and retrieves relevant product-specific parameters and post-sale activities that match the monitored activities.
• Based on the retrieved information, the system generates a pre-purchasing confidence recommendation to the user before they complete a purchase.

Abstract

A computer-implemented method for generating pre-purchasing confidence recommendations. A browser widget scans post-sale activities of a user and searches for product-specific parameters of items from the scanned purchase records. A system stores the searched product-specific parameters and the post-sale activities in a data storage. The browser widget monitors purchasing activities of the user, and in response to the monitoring, retrieving, relevant product-specific parameters and the post-sale activities matching to the monitored purchasing activities. Based on the retrieving, generating a pre-purchasing confidence recommendation to the user before completion of a purchase by the user.

System, Method, and Computer Program Product for Network Anomaly Detection (18449186)

Main Inventor

Xiao Tian

Brief explanation

This patent application describes a system, method, and computer program for detecting network anomalies.

• The method involves analyzing event data from communications in a computer network to determine nested groups.
• The system generates display data that represents the event data in a graphical format, with nested graphical nodes.
• New event data from subsequent communications is received and a new graphical representation is generated.
• Anomalous graphical nodes are identified by comparing the size of the nodes in the new representation to the initial representation.
• The increase in size of a graphical node indicates an anomaly in the network.
• This technology helps in detecting and visualizing network anomalies for better network management and security.

Abstract

Provided are a system, method, and computer program product for network anomaly detection. The method includes determining a plurality of nested groups based on event data associated with a plurality of communications in a computer network. The method also includes generating display data configured to cause a display of a computing device to show a first graphical representation of the event data including a plurality of nested graphical nodes. The method further includes receiving new event data associated with a plurality of new communications in the computer network in a subsequent time period and generating new display data configured to cause the display to show a new graphical representation of the new event data. The method further includes determining an anomalous graphical node based at least partly on a size of the anomalous graphical node being increased in the new graphical representation relative to the first graphical representation.

SYSTEM AND METHOD FOR USING DYNAMIC TAG CONTENT (18448012)

Main Inventor

Yuexi Chen

Brief explanation

The patent application describes a method for generating a multi-record message using a message data template on a user device during an interaction with an access device. 

• The user device stores a message data template with multiple data fields.
• When the user device interacts with an access device, a multi-record message is generated using the message data template.
• To generate the multi-record message, the user device increments a counter and generates a dynamic cryptogram.
• The user device also retrieves a credential.
• The counter value, dynamic cryptogram, and credential are incorporated into the data fields of the message data template to form the multi-record message.
• The multi-record message is then transmitted to the access device.
• The access device forwards the multi-record message to an authorization computer for authorization or denial of the interaction.

Abstract

A method is disclosed. The method includes a user device storing a message data template comprising a plurality of data fields. A multi-record message may be generated using the message data template in response to an interaction between the user device and an access device. To generate the multi-record message, the user device may increment a counter stored on the user device to produce a counter value, and generate a dynamic cryptogram. The user device may additionally retrieve a credential. The counter value, the dynamic cryptogram, and the credential may then be incorporated into the plurality of data fields of the message data template to form the multi-record message. The multi-record message may be transmitted to the access device, where the access device forwards the multi-record message to an authorization computer to authorize or deny the interaction.

PRIVACY PRESERVING BIOMETRIC AUTHENTICATION (18449638)

Main Inventor

Payman Mohassel

Brief explanation

- The patent application describes techniques for authenticating a user's first device to a second device.

- The second device can use a biometric template stored on the first device and a biometric measurement to perform authentication. - Homomorphic encryption is used by the first device to encrypt the biometric template and the second device to determine an encrypted similarity metric between the template and the measurement. - The second device can also determine an encrypted code using an authentication function and the encrypted similarity metric. - The second device sends the encrypted code and similarity metric to the first device to be decrypted. - The first device can then determine whether the decrypted similarity metric exceeds a threshold and whether the decrypted code matches a test code. - Based on the response from the first device, the second device can authenticate the user.

Abstract

Techniques of authenticating a first device of a user to a second device are disclosed. The method enables the second device to perform authentication using a biometric template stored on the first device and a biometric measurement. Homomorphic encryption may be used by the first device to encrypt the biometric template and the second device to determine an encrypted similarity metric between the biometric template and the biometric measurement. The second device can also determine an encrypted code using an authentication function and the encrypted similarity metric. The second device sends the encrypted code and the encrypted similarity metric to be decrypted by the first device. The second device can receive a response from the first device, indicating whether a decrypted similarity metric exceeds a threshold; and whether the decrypted code matches a test code. The second device can then authenticate the user based on the response.

SYSTEMS AND METHODS FOR CREATING A UNIVERSAL RECORD (18449630)

Main Inventor

Ajith Thekadath

Brief explanation

The patent application describes a method to track different types of records using a single blockchain.

• The method involves using class identifiers for each record entry to differentiate between different classes within the blockchain.
• This allows for the organization and categorization of records within the blockchain.
• The use of class identifiers helps in easily identifying and retrieving specific types of records.
• The method enables efficient tracking and management of multiple classes of records within a single blockchain system.
• It provides a streamlined approach for handling different types of records in a secure and transparent manner.
• The innovation can be applied in various industries where multiple classes of records need to be tracked and managed.

Abstract

A method for tracking multiple classes of records in a single blockchain is disclosed. Class identifiers can used for each record entry to distinguish between classes within the blockchain.

Method, System, and Computer Program Product for Protocol Parsing for Network Security (18359472)

Main Inventor

Md Mahmud Hossain

Brief explanation

The patent application describes a method for parsing network protocols for enhanced network security. 

• The method involves receiving packets and extracting lower layer data from each packet.
• The payload of each packet is then sent to a first queue for further processing.
• A routing system routes the payload of each packet to a second queue based on the protocol of the packet.
• A protocol parser node in a parsing system then extracts higher layer data from the payload of each packet in the second queue.
• The lower layer data is stored in a third queue by the packet capture system, while the higher layer data is also stored in the same third queue by the parsing system.
• The invention includes a system and computer program product for implementing this method.

Abstract

Provided is a method for protocol parsing for network security. The method may include receiving, by a packet capture system, a plurality of packets, parsing lower layer data from each packet, and communicating a respective payload of each respective packet to at least one first queue. A routing system may route the respective payload of each respective packet to a respective second queue of a plurality of second queues based on a respective protocol of the respective packet. A respective protocol parser node of a parsing system may parse higher layer data from the respective payload of each respective packet from each respective second queue. The packet capture system may communicate the lower layer data for each packet to a third queue, and the parsing system may communicate the higher layer data for each packet to the third queue. A system and computer program product are also disclosed.

PLATFORM FOR APPLIANCE BASED RESOURCE CATALOG (18450320)

Main Inventor

Ajit Gaddam

Brief explanation

- The patent application describes a platform that allows an appliance device to have a local resource catalog.

- The appliance device can generate a transaction related to one or more resources within the catalog. - The appliance device can receive resource information within streaming data. - It can identify if a portion of streaming data is related to a resource and store it accordingly. - Users can retrieve and execute the stored streaming data at a later date. - Users can also request transactions to be conducted with respect to the resources. - The appliance device can generate corresponding transaction requests.

Abstract

Described herein is a platform for providing a resource catalog local to an appliance device, such that the appliance device is able to generate a transaction related to one or more resources within the resource catalog. In some embodiments, the appliance device may receive resource information within streaming data. For example, the appliance device may receive an indication that a portion of streaming media data is related to a resource. Upon determining that a portion of streaming data is related to a resource, the appliance device may be configured to store the portion of data in relation to the identified resource. A user may retrieve and/or execute the portion of streaming data at a later date. In some embodiments, the user may request that a transaction be conducted with respect to the resource and a corresponding transaction request may be generated by the appliance device.