Inventor
NGO HAO
US45 patents
⚠️ This page may combine multiple inventors who share the name “NGO HAO”. Patents are grouped by organization below to help distinguish them — per-person disambiguation is on the roadmap.
VISA INT SERVICE ASS
37 patentsUS9972005B2May 15, 2018
Cloud-based transactions methods and systems
VISA INT SERVICE ASS51 citations97
US10664824B2May 26, 2020
Cloud-based transactions methods and systems
VISA INT SERVICE ASS22 citations93
US10402814B2Sep 3, 2019
Cloud-based transactions methods and systems
VISA INT SERVICE ASS18 citations93
US9672508B2Jun 6, 2017
Over the air update of payment transaction data stored in secure memory
VISA INT SERVICE ASS16 citations92
US11164176B2Nov 2, 2021
Limited-use keys and cryptograms
VISA INT SERVICE ASS4 citations84
US10223694B2Mar 5, 2019
Mobile payment application provisioning and personalization on a mobile device
VISA INT SERVICE ASS9 citations84
US10103781B2Oct 16, 2018
Contactless data exchange between mobile devices and readers involving value information not necessary to perform a transaction
VISA INT SERVICE ASS9 citations84
US11030608B2Jun 8, 2021
Recordation of electronic payment transaction information
VISA INT SERVICE ASS3 citations83
US10909522B2Feb 2, 2021
Cloud-based transactions methods and systems
VISA INT SERVICE ASS5 citations83
US10037523B2Jul 31, 2018
Over the air update of payment transaction data stored in secure memory
VISA INT SERVICE ASS5 citations83
US12160516B2Dec 3, 2024
Techniques for securely performing offline authentication
VISA INT SERVICE ASS4 citations74
US11394721B2Jul 19, 2022
Binding cryptogram with protocol characteristics
VISA INT SERVICE ASS3 citations73
US11501274B2Nov 15, 2022
Over the air update of payment transaction data stored in secure memory
VISA INT SERVICE ASS2 citations72
US10769614B2Sep 8, 2020
Over the air update of payment transaction data stored in secure memory
VISA INT SERVICE ASS1 citations72
US9846873B2Dec 19, 2017
Trusted internal interface
VISA INT SERVICE ASS2 citations72
US11785449B2Oct 10, 2023
Secure on-demand ultra-wideband communication channels systems and methods
VISA INT SERVICE ASS3 citations71
US12218953B2Feb 4, 2025
Binding cryptogram with protocol characteristics
VISA INT SERVICE ASS0 citations62
US12086777B2Sep 10, 2024
Method of performing transactions with contactless payment devices using pre-tap and two-tap operations
VISA INT SERVICE ASS0 citations62
US11438766B2Sep 6, 2022
Terminal type identification in interaction processing
VISA INT SERVICE ASS0 citations62
US11315099B2Apr 26, 2022
Over the air update of payment transaction data stored in secure memory
VISA INT SERVICE ASS0 citations62
US11303450B2Apr 12, 2022
Techniques for securely performing offline authentication
VISA INT SERVICE ASS1 citations62
US11232427B2Jan 25, 2022
Method of performing transactions with contactless payment devices using pre-tap and two-tap operations
VISA INT SERVICE ASS0 citations62
US11205175B2Dec 21, 2021
Mobile payment application provisioning and personalization on a mobile device
VISA INT SERVICE ASS0 citations62
US12341875B2Jun 24, 2025
Efficient authentic communication system and method
VISA INT SERVICE ASS0 citations61
US12219347B2Feb 4, 2025
Secure on-demand ultra-wideband communication channels systems and methods
VISA INT SERVICE ASS0 citations61
US11956349B2Apr 9, 2024
Efficient authentic communication system and method
VISA INT SERVICE ASS0 citations61
US11062298B2Jul 13, 2021
Contactless enablement and disablement
VISA INT SERVICE ASS0 citations61
US11037128B2Jun 15, 2021
Over the air management of payment application installed in mobile device
VISA INT SERVICE ASS0 citations61
US10115100B2Oct 30, 2018
Over the air management of payment application installed in mobile device
VISA INT SERVICE ASS1 citations61
US9160416B2Oct 13, 2015
Contactless disablement
VISA INT SERVICE ASS3 citations61
US12469021B2Nov 11, 2025
Limited-use keys and cryptograms
VISA INT SERVICE ASS0 citations52
US10791460B2Sep 29, 2020
Terminal type identification in interaction processing
VISA INT SERVICE ASS0 citations52
US12437045B2Oct 7, 2025
Method and system using conditional blocking and non-blocking query call system and method
VISA INT SERVICE ASS0 citations51
US12015720B2Jun 18, 2024
Integrating identity tokens and privacy-preserving identity attribute attestations into interactions
VISA INT SERVICE ASS0 citations51
US10685343B2Jun 16, 2020
Trusted internal interface
VISA INT SERVICE ASS0 citations51
US10185952B2Jan 22, 2019
Contactless enablement of device
VISA INT SERVICE ASS0 citations51
US10115099B2Oct 30, 2018
Over the air management of payment application installed in mobile device
VISA INT SERVICE ASS0 citations51
AABYE CHRISTIAN
5 patentsUS9286604B2Mar 15, 2016
Over the air management of payment application installed in mobile device
AABYE CHRISTIAN114 citations97
US8977567B2Mar 10, 2015
Recordation of electronic payment transaction information
AABYE CHRISTIAN36 citations96
US9824355B2Nov 21, 2017
Method of performing transactions with contactless payment devices using pre-tap and two-tap operations
AABYE CHRISTIAN13 citations84
US10706402B2Jul 7, 2020
Over the air update of payment transaction data stored in secure memory
AABYE CHRISTIAN6 citations82
US10332094B2Jun 25, 2019
Recordation of electronic payment transaction information
AABYE CHRISTIAN3 citations82