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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


 new patent  Confidential authentication and provisioning

Some embodiments provide systems and methods for confidentially and securely provisioning data to an authenticated user device. A user device may register an authentication public key with an authentication server. ... Visa International Service Association

Systems and methods to apply benefit of offers

To automate the redemption of offer benefits, data associating offers and payment accounts is stored in the data warehouse of a first transaction handler. If a payment account to which an offer is associated is in the payment processing network of a second transaction handler separate from the first transaction handler, the system uses a payment processor that is in both the payment processing network of the first transaction handler and the payment processing network of the second transaction handler to communicate with the first transaction handler to detect the authorization request in the payment account that satisfies the benefit redemption requirements of the respective offer and apply the offer benefit to the transaction when the authorization request is detected.. ... Visa International Service Association

Actionable notifications apparatuses, methods and systems

The actionable notifications apparatuses, methods and systems (“acno”) transforms inputs such as actionable notification enrollment input, action input, and trigger messages via acno components into actionable notification message output. In one embodiment, the disclosure describes a processor-implemented actionable notification method, which comprises, receiving an actionable notification enrollment request with a device identification, and criteria for receiving actionable notifications, and receiving an actionable notification trigger message. ... Visa International Service Association

Systems and methods for route prediction

Predicting the future location of a user based on predicting the route that the user might take is disclosed. The routes used by the user in the past are indexed to generate a dictionary of routes which can be further augmented with contextual data. ... Visa International Service Association

Homomorphic database operations apparatuses, methods and systems

The homomorphic database operations apparatuses, methods and systems (“hedo”) transform transaction storage requests and homomorphic model queries using hedo components into homomorphic model query results. In some implementations, the disclosure provides a processor-implemented method of securely querying a shared homomorphically encrypted data repository and performing cross-table homomorphic joins.. ... Visa International Service Association

Single use account pool processing system and method

Embodiments are directed to systems, apparatus, and methods for account pool processing. In some embodiments, a server computer can store account information for a first pool of accounts and a second pool of accounts. ... Visa International Service Association

Method and system for authorizing a payment transaction

A method of authorizing a payment transaction is provided. The method is carried out at a server that receives a payment request for an order of goods that is placed by a consumer with a merchant. ... Visa International Service Association

Social media payment platform apparatuses, methods and systems for processing payments via social media

A computer-implemented method for processing payment requests via social media. Including receiving a payment request initiated by a payer via a social media network, including payer information associated with the payer and payee information associated with a payee. ... Visa International Service Association

Risk assessment rule set application for fraud prevention

Rules, applied to deny authorization of likely fraudulent transactions, are derived from a modified patient rule induction method algorithm that uses a target variable and a data set of past transactions each associated with a plurality of input variables and a hyper-rectangle enclosing a multi-dimensional space defined by a representation of the input variable values as points within the multi-dimensional space. While a count of the points within the hyper-rectangle is greater than a minimum support parameter, a first plurality of points proximal to edges of the hyper-rectangle are removed, where each such removing maximizes a mean value of the target variable, and then, while the mean value remains maximized, a second plurality of points proximal to the edges is added, where each adding maximizes or maintains the mean value. ... Visa International Service Association

Multi-protocol data transfer

A computer-implemented method of communicating with a point of sale terminal. The method includes establishing wireless communication with a point of sale terminal using a first communication channel, and establishing communication with the point of sale terminal using a second communication channel. ... Visa International Service Association

Effecting pin change for payment devices

A computer implemented method of entering a personal identification number on a payment device. The method includes establishing wireless communication between a computing device and a payment device comprising a security chip, and establishing communication between the security chip and a remote institution via the computing device over a digital communication network. ... Visa International Service Association

Data verification in transactions in distributed network

Systems and methods for verifying a financial transaction based on an account number, a mobile directory number associated with the financial transaction, a mobile directory number associated with the account number, an email address associated with the account number, internet protocol address data associated with the financial transaction, and internet protocol address data associated with accesses of the email address.. . ... Visa International Service Association

"systems and methods implementing a communication protocol for data communication with a vehicle"

A system and method configured to establish a communication connection between a vehicle and a remote computing device for data transmission. A beacon device is configured at a location to detect the presence of the vehicle, transmit an identity of the location to the vehicle, and communicate with the vehicle to determine an identity of the vehicle. ... Visa International Service Association

Peer-to-peer mobile device payment network

A computer-implemented method of communicating payment data. The method includes receiving at a server, via a digital communication network, payment data transmitted from a first computing device that is connected to a peer-to-peer network and not in direct communication with the server. ... Visa International Service Association

02/15/18 / #20180046623

Multi-source, multi-dimensional, cross-entity, multimedia merchant analytics database platform apparatuses, methods and systems

The multi-source, multi-dimensional, cross-entity, multimedia merchant analytics database platform apparatuses, methods and systems (“mdb”) transform data aggregated from various computer resources using mdb components into updated entity profiles and/or social graphs. In one implementation, the mdb aggregates data records including search results, purchase transaction data, service usage data, service enrollment data, and social data. ... Visa International Service Association

01/25/18 / #20180026973

Enhanced authentication based on secondary device interactions

Enhance authentication techniques may include receiving credential data of a secondary device by a primary device, generating a cryptogram using the credential data of the secondary device, and transmitting the cryptogram to an access device to request for authorization to use an account associated with a user of the primary device. The authorization can be granted based on verification of the cryptogram and an interaction activity pattern of interactions between the primary device and a set of communication devices including the secondary device.. ... Visa International Service Association

01/18/18 / #20180018678

Systems and methods for enrolling a user in a membership account

Systems and methods are provided for enrolling a user in a membership account. A payment processing request is received from a point of sale device associated with a merchant. ... Visa International Service Association

01/04/18 / #20180006821

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. ... Visa International Service Association

01/04/18 / #20180005238

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. ... Visa International Service Association

01/04/18 / #20180004926

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 information; and, based on the comparison, updating a confidence parameter indicating the extent to which the obtained physiological information matches the physiological profile.. ... Visa International Service Association

12/28/17 / #20170372303

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 for cash. ... Visa International Service Association

12/28/17 / #20170372281

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. ... Visa International Service Association

12/21/17 / #20170364944

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 identification device for presenting account identification information to a reader of a transaction terminal for offline transactions. ... Visa International Service Association

12/21/17 / #20170364876

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. ... Visa International Service Association

11/23/17 / #20170338964

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. ... Visa International Service Association

10/26/17 / #20170308875

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. ... Visa International Service Association

09/28/17 / #20170278124

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. ... Visa International Service Association

09/21/17 / #20170270511

System and method for 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 the payee; storing the token or extracted payment information from the token in association with the management application; and transferring the payment information to a payment application operating on the mobile communication device, the payment application operable to process payment to the payee using the payment information. ... Visa International Service Association

09/21/17 / #20170270494

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. ... Visa International Service Association

09/14/17 / #20170264599

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. ... Visa International Service Association

09/14/17 / #20170262846

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 source identifier to a portal coupled with a data storage storing data linking the source identifier to a linked identifier. ... Visa International Service Association

08/17/17 / #20170236154

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 object with the alias. ... Visa International Service Association

08/17/17 / #20170236114

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 items and a set of instructions of a mobile application; and at least one microprocessor coupled with the memory to execution the instructions of the mobile application. The mobile application is configured to: communicate the location of the mobile device, using the communication device, to the at least one server over internet; determine, via communications with the at least one server based on the location of the mobile device, an order of data items; and communicate, using the transceiver via near field communication, with the transaction terminal in accordance with the order of the data items.. ... Visa International Service Association

08/10/17 / #20170228732

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. ... Visa International Service Association

08/03/17 / #20170221058

System and method for 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 with a particular merchant. ... Visa International Service Association

07/13/17 / #20170200162

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 user; obtaining purchase item information from the receipt information included in the restricted-use account reimbursement request; identifying a restricted-use account of the user; determining a purchase item is eligible for the restricted-account usage; determining a reimbursement amount associated with the purchase item form the purchase item information; generating a reimbursement authorization request message including the purchase item information and the reimbursement amount; transmitting the reimbursement authorization request message to a restricted-account issuer for approval; and transacting the reimbursement amount from the restricted-use account to a user financial account upon the restricted-account issuer approval.. ... Visa International Service Association

07/06/17 / #20170193499

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 information from the ecommerce transaction.. . ... Visa International Service Association

06/29/17 / #20170186007

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. ... Visa International Service Association

06/22/17 / #20170178143

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 account information of an account in which the transaction is made, based on a security preference associated with the account information. ... Visa International Service Association

05/11/17 / #20170132624

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

05/04/17 / #20170124445

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. ... Visa International Service Association

04/06/17 / #20170098234

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 portal tracks user interactions associated with the announcement to determine whether the user is qualified for the reward. ... Visa International Service Association

02/09/17 / #20170039560

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, the gateway coupled with the data warehouse to determine whether the offer is applicable to the authorization request and if so, apply a benefit of the offer to the authorization request; and a transaction handler coupled with the gateway to process the authorization request submitted from the gateway, provide an authorization response corresponding to the authorization request, and communicate with the acquirer processor to credit funds according to the authorization request to a merchant account associated with the transaction terminal.. . ... Visa International Service Association

02/09/17 / #20170039552

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. ... Visa International Service Association

01/26/17 / #20170024729

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 second payment credential portion in the transmittal of the payment credentials. ... Visa International Service Association








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