Patrick Wright

Title: The Innovative Mind of Patrick Wright

Introduction

Patrick Wright, an accomplished inventor based in Mountain View, CA, has made significant contributions to the fields of transaction processing and secure payment systems. With a total of 12 patents to his name, Wright’s inventions aim to enhance user experience and security in financial transactions.

Latest Patents

Among his latest patents, one notable innovation is titled "Systems and methods to generate a receipt for a transaction." This system introduces a transaction terminal that analyzes authorization responses for indicators. When set, these indicators enable the terminal to communicate with a portal to acquire relevant receipt content, potentially including benefits of offers applied to the transaction that are not shown in the authorization response. Wright also addresses user preferences by offering options such as suppressing a paper receipt in favor of an electronic version, printing a mini receipt alongside the electronic one, or providing a full paper receipt.

Another of his significant contributions is focused on "Enhancements to transaction processing in a secure environment using a merchant computer." This invention outlines methods and systems for a secure authentication process, which authenticates payment devices utilized in transactions between merchants and users. The secure authentication process reviews authentication request messages that contain vital user data, transaction data, and data regarding user computing devices. This analysis helps determine whether a transaction should be authenticated based on the account's enrollment in the secure authentication process and a risk analysis.

Career Highlights

Patrick Wright currently serves as an inventor at Visa International Service Association, where he applies his expertise to develop innovative solutions for secure payment systems. His work not only enhances transaction security but also streamlines the user experience, making it easier for consumers to manage their transactions.

Collaborations

Throughout his career, Wright has collaborated with notable professionals such as Joseph Bjorn Ovick and Mark Andrew Carlson. These collaborations have fostered innovation and have been instrumental in advancing the technology used in payment systems.

Conclusion

Patrick Wright stands out as a leading figure in the world of financial technology. His dedication to improving transaction processing and security continues to pave the way for future advancements. As he furthers his work at Visa International Service Association, the impact of his inventions will undeniably resonate within the industry and beyond.