Visa Inc.

About: Visa Inc. is a company organization based out in London, United Kingdom. It is known for research contribution in the topics: Database transaction & Transaction data. The organization has 1031 authors who have published 1076 publications receiving 36053 citations. The organization is also known as: Visa & Visa Inc.

New CBC-MAC Forgery Attacks

Abstract: This paper is concerned with a particular type of attack against CBC-MACs, namely forgery attacks, i.e. attacks which enable an unauthorised party to obtain a MAC on a data string. Existing forgery attacks against CBC-MACs are briefly reviewed, together with the effectiveness of various countermeasures. This motivates the main part of the paper, where a family of new forgery attacks are described, which raise serious questions about the effectiveness of certain countermeasures.

Cloud encryption key broker apparatuses, methods and systems

Abstract: Computer-implemented systems and methods are disclosed herein for use in cryptographic operations over a cloud-based service. The cloud-based service securely stores and transmits parts of encryption/decryption keys. Split key processing can include splitting the key in two and storing one of them on a remote secure server.

Systems and methods to reserve and release rewards for redemption during payment transactions

Abstract: A system including a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing a user of a payment account, into separate transactions with the issuer processor and one or more sponsor processors in control of reward accounts of the user for the redemption of loyalty rewards. The transaction handler may communicate with the sponsor processors in parallel or in sequence to reserve and release rewards, and may provide a partial authorization for the transaction in response to each authorization for reward redemption from a respective reward account without a subsequent, updated authorization request for the transaction in the payment account of the user.

Provisioning payment credentials to a consumer

Abstract: A method and system for provisioning payment credentials to a consumer are disclosed. A remotely accessible server receives a request for payment credentials required to conduct a transaction, the request originating from an electronic device of a consumer. A transaction type associated with the transaction is determined, the transaction type being one of a plurality of predefined transaction types wherein each transaction type is associated with a predefined payment credential format. The remotely accessible server obtains payment credentials in the payment credential format associated with the determined transaction type and transmits the obtained payment credentials to the electronic device of the consumer for use in conducting the transaction.

System and method for non-credit card billers to accept credit card payments

Abstract: One embodiment of the invention is directed to a method comprising, receiving a payment request message that includes information related to a user and a biller, determining whether the user is enrolled in a bill pay program, and if the user is enrolled in the bill pay program, modifying the payment request message according to user preferences if the user preferences are different than the information in the payment request message. The method further comprises, receiving a payment response message, and generating, using a server computer, transaction information based on the payment response message and biller information, wherein the transaction information is combined with existing reporting and billing process information for the biller.