Visa International Service Association

Andre Walter Machicao

John F Sheets

Kevin D Weller

Lori D Van Deloo

Luba Goldberg

Alfred William Griggs

Brian Byrne

Fred Liu

Kevin Yuann

Marc Batchan

Bartlomiej Piotr Prokop

Thomas Looney

Bryan Carroll

James Donaldson

Rajiv Dutta

Shobhit Agrawal

Nathan Morgan

Rhidian Desmond Thomas John

Clinton Lopaka Florez

Niall McGurk

Timothy Hodkinson

Brian McManus

Thomas Joseph Looney

A system, method, and apparatus is provided for integrating multiple payment options on a merchant webpage. The method includes receiving, from a merchant system associated with a merchant webpage, a payment data capture request, generating, with at least one processor, web payment capture data based on the payment data capture request, the web payment capture data configured to adapt the merchant webpage to receive payment information input by a user, communicating, to the merchant system, the web payment capture data, receiving, directly from a client computer via at least one client-side script executed by the client computer based on the web payment capture data, the payment information input by the user, generating, with at least one processor, a transient payment token based on the payment information, and directly communicating the transient payment token to the client computer.

System, method, and apparatus for integrating multiple payment options on a merchant webpage

Embodiments of the invention directed to systems and methods that allow for determining a transaction initiation mode used to conduct a transaction and applying a specific set of rules associated with the transaction initiation mode to the transaction. A transaction authorization request message is received at a server computer. The transaction authorization message is for a transaction between a consumer and a merchant and includes a plurality of data elements. The server computer determines a transaction initiation mode, from among at least three different transaction initiation modes, used to conduct the transaction based at least in part on the data elements. The server computer applies a specific set of rules associated with the transaction initiation mode to the transaction.

Transaction initiation determination system utilizing transaction data elements

Systems and methods are described that allow for determining a transaction initiation mode used to conduct a transaction and applying a specific set of rules associated with the transaction initiation mode to the transaction. A transaction authorization request message is received at a server computer. The transaction authorization message is for a transaction between a consumer and a merchant and includes a plurality of data elements. The server computer determines a transaction initiation mode, from among at least three different transaction initiation modes, used to conduct the transaction based at least in part on the data elements. The server computer applies a specific set of rules associated with the transaction initiation mode to the transaction.

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Woodside, CA, United States of America

Andre Walter Machicao