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Visa International Service Association patents


Recent patent applications related to Visa International Service Association. Visa International Service Association is listed as an Agent/Assignee. Note: Visa International Service Association may have other listings under different names/spellings. We're not affiliated with Visa International Service Association, we're just tracking patents.

ARCHIVE: New 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 | Company Directory "V" | Visa International Service Association-related inventors


Method and system for associating a user with a wearable device

A method and system are provided for associating a user with a wearable device. The method includes: obtaining physiological information of a user of a wearable device; comparing the obtained physiological information against a stored physiological profile, wherein the stored physiological profile is built up over time from obtained physiological... Visa International Service Association

Secure authentication system and method

Methods and systems pertaining secure transaction systems are disclosed. In one implementation, a computer with a verification token associated with a computer can send user authentication data as well as a secure datum to a control server. The verification token may obtain the secure datum from a validation entity. The... Visa International Service Association

Token and cryptogram using transaction specific information

Systems and methods for token processing are disclosed. An access device can provide access device data to a mobile communication device. The communication device generates a token request including the access device data and communication device data and sends the token request to a server computer. The server computer returns... Visa International Service Association

Systems and methods for recommendations for purchases based on accumulation of purchases differentiating between local and tourists transactions

Using payment processing data on which cards transact at a merchant, a payment transaction service provider may determine whether cards used at a given merchant are being used within the card's domicile or outside the domicile. When a card is used in domicile, that's a “local” user. This allows the... Visa International Service Association

Electronic payment for cash exchange system

A computer-implemented method of exchanging cash for electronic payment is disclosed. The method includes the steps of registering a first payment account with a money exchange server using a first user computing device, establishing communication between the first user computing device and the money exchange server, and transmitting a request... Visa International Service Association

Systems and methods for managing sharing economy payouts

A method for managing payouts to parties to a transaction, including receiving a customer request for a service transaction, and transmitting the customer request to at least one service provider terminal. The method includes receiving a service completion message from the at least one service provider terminal. The method includes... Visa International Service Association

Systems and methods for efficient processing of large scale propagation of resources among accounts

Accounts are grouped via database connections to form account groups that can be used to efficiently track the propagation of resources or privileges. Virtual accounts can be grouped via non-replaceable connections, where each of the virtual accounts is limited for online transactions with a predefined website without a respective account... Visa International Service Association

Method and system for establishing a secure communication tunnel

A computer-implemented method for establishing a secure communication tunnel between a device and a server is provided. The method comprises the server receiving a session request from the device to establish a secure tunnel. A handshake procedure is carried out to set up an encryption/decryption key for the secure tunnel.... Visa International Service Association

Systems and methods for initiating payments in favour of a payee entity

A system and method for initiating payments in favour of a payee entity are provided. In a method conducted at a payment processor, an account creation request, the request including an identifier of a consumer is received from a payee entity. A financial account is registered for the payee entity... Visa International Service Association

Systems and methods to identify merchants

A system and method including a mobile application installed on a mobile device and configured to authenticate a merchant represented by a unique identifier, determine a position of the mobile device while the mobile device is co-located with a transaction terminal of the merchant, communicate the position to a portal... Visa International Service Association

Systems and methods to optimize media presentations using a camera

In one aspect, a computing apparatus is configured to: capture first images of customers who have watched a digital sign, using a digital camera attached to the digital sign positioned in vicinity of a retail location; identify characteristics of the customers based on the first images; identify, using the characteristics,... Visa International Service Association

Systems and methods to select locations of interest based on distance from route points or route paths

Selection of offers, locations or merchants based on their distances from a portion of a user's route and their affinity for the user is disclosed. A route employed by a user for travelling to a destination is obtained and segmented at identified vertices. Locations that are proximate to the route... Visa International Service Association

Merchant loyalty account enrollment through payment checkout platform services

A system for registering a user across different transactional platforms. A transaction server provides via an interface a first user interface (UI) requesting the user to provide information to register with a first transactional platform. A data store stores the provided information from the user in a user profile. The... Visa International Service Association

Processing financial transactions

Systems and methods for processing a financial transaction are provided. In a method conducted at an issuing server computer associated with a first entity, a transaction request message is transmitted to an acquiring server computer associated with a second entity. The transaction request message is in respect of a push... Visa International Service Association

System and management of payee information

A system and method is provided for management of payee information. The method is performed at a management application on a mobile communication device and includes: receiving a token including information relating to a payee, the information including payment information enabling processing of a transaction to a financial account of... Visa International Service Association

Communication protocols for processing an authorization request in a distributed computing system

Systems and methods implementing a communication protocol for the authorization of transfer of resources in a computer system having a plurality of computers, including a centralized router connecting to source account controllers and destination account controllers that are connected to readers. A reader communicates a first authorization request having a... Visa International Service Association

Systems and methods for securely managing biometric data

Systems and methods for securely managing biometric data are provided. In a method conducted at a secure element which is directly connected to a biometric input, biometric data is received directly from the biometric input. A biometric signature based on the biometric data is obtained. A seed value specific to... Visa International Service Association

Location dependent communications between mobile devices and transaction terminals

A mobile device having: a position determination device configured to determine a location of the mobile device; a transceiver configured to communicate with a transaction terminal via near field communication; a communication device configured to communicate with at least one server over internet; a memory storing a plurality of data... Visa International Service Association

Payment device enrollment in linked offers

A dynamic graphic object managed by a financial institution that issues a payment device prevents third-party access to sensitive account data when linking the payment device to marketing documents provided by the third party. A payment processing server uses an alias for the sensitive data and configures a dynamic graphic... Visa International Service Association

Systems and methods for identifying mobile devices

The disclosure provides systems and methods for identifying a mobile device when requesting a secure transaction. In a method conducted at a transaction server access to stored location data having been periodically received relating to a mobile device and stored with an identifier of the mobile device is provided. Historical... Visa International Service Association

System and secondary account holder payment device control

A computer-implemented system and method may allow primary account holders (e.g., parents) to select merchants along specific routes where a secondary account holder (e.g., child) would be able to use a payment device. Each of these merchants may be categorized to further allow a parent to approve or reject purchases... Visa International Service Association

Restricted-use account payment administration apparatuses, methods and systems

The RESTRICTED-USE ACCOUNT PAYMENT ADMINISTRATION APPARATUSES, METHODS AND SYSTEMS (hereinafter “RUAP”) transform purchase item information inputs or purchase receipt inputs via RUAP components into restricted-use account payment settlement outputs. A method is disclosed, including: receiving a restricted-use account reimbursement request including receipt information related to a purchase transaction from a... Visa International Service Association

Universal access to an electronic wallet

The described system and method allows a contact such as a mobile phone number to be associated with a specific mobile wallet account and by submitting a mobile phone number to an ecommerce site, a URL will be communicated to the contact which opens the payment wallet with the relevant... Visa International Service Association

Systems and methods for data desensitization

Systems and methods are provided to identify payment data and desensitize the payment data by a secure card reader. Desensitization of the payment data may include replacing sensitive information such as discretionary data with zeroes or other predetermined values. Desensitization may also include replacing sensitive information with fraud detection data... Visa International Service Association

Systems and methods to enhance security in transactions

A system includes a digital camera coupled with or integrated within a transaction terminal to capture an image during authorization of a transaction initiated at the transaction terminal. The system further includes a portal configured to receive the image and transmit the image to a communication reference associated with the... Visa International Service Association

Browser extension with additional capabilities

In one aspect, an expedited payment service is accessed through a browser extension. As an extension operates in a manner in which it has access to the underlying merchant data, the extension may allow an expedited payment service to work with virtually any merchant web site.... Visa International Service Association

Integrated power source on a payment device

The described payment device includes an integrated power source including a piezoelectric accelerometer. Upon motion of the payment device, kinetic energy may be translated to a mass of the piezoelectric accelerometer to generate electrical energy to power other functions of the payment device. Motion translated to the piezoelectric accelerometer may... Visa International Service Association

Systems and methods to reward user interactions

A system includes a transaction handler, a data warehouse to store transaction data recording transactions processed at the transaction handler and to store account data identifying an account of a user, and a portal to receive a user selection of a first portion of an announcement of a reward. The... Visa International Service Association

Systems, methods and devices for providing a single-use payment credential

Systems, methods and devices for providing a single-use payment credential usable in a financial transaction are disclosed. In a method conducted at a remotely accessible server, a request for a single-use payment credential is received from an issuing financial entity. The request includes a consumer identifier of a consumer. The... Visa International Service Association

Systems and methods to process transactions and offers via a gateway

A system, configured to integrate the processing of transactions and offers applicable to the transactions, includes: a data warehouse storing an offer in association with a financial payment account; a gateway configured to receive an authorization request that is transmitted from a transaction terminal without going through an acquirer processor,... Visa International Service Association

Secure transmission of payment credentials

A system and method for securely transmitting payment credentials to a payment processor is disclosed. A communications device of a consumer generates a first communicated value having a similar format to a second payment credential portion, and the first communicated value is provided to the payment processor to replace the... Visa International Service Association








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This listing is an abstract for educational and research purposes is only meant as a recent sample of applications filed, not a comprehensive history. Freshpatents.com is not affiliated or associated with Visa International Service Association in any way and there may be associated servicemarks. This data is also published to the public by the USPTO and available for free on their website. Note that there may be alternative spellings for Visa International Service Association with additional patents listed. Browse our Agent directory for other possible listings. Page by FreshPatents.com

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