Visa International Service Association

Visa U.s.a. Inc.

Jpmorgan Chase Bank, N.a.

Other

Cameros Bay Capital, LLC

Carneros Bay Capital, LLC

Vista U.s.a.

Ayman A Hammad

Patrick L Faith

Mark Andrew Carlson

Phil Dixon

Ben Rewis

Khalid El-Awady

Thomas Purves

Philip Dixon

Tenni Theurer

Patrick Gauthier

Brian Triplett

Krishna Prasad Koganti

Julian Hua

Roger Merckling

Christian Aabye

Carrie Elaine Vriheas

Brian Maw

Maorung Lin

Vlad Guzner

Christopher Law

David Sohn

Patrick Stan

Benedicto Dominguez

Edward Katzin

Kevin D Weller

Howard Spector

Tuan Q Dao

Igor V Karpenko

Loc Duc Nguyen

Jagdeep Singh Sahota

Barbara Elizabeth Patterson

Kevin Paul Siegel

Saurav Chatterjee

Theodore David Harris

Simon Hurry

Phillip Kumnick

Scott Hollis Ouellette

Vishwanath Shastry

Diane C Salmon

Jerry Wald

Shilpak Mahadkar

Prakash Hariramani

Nicole Janine Granucci

Brendan Xavier Louis

Kris Koganti

Michael Naggar

Abhinav Shrivastava

Miroslav Gavrilov

Xiang Fang

Craig M Kato

Jerry F Sloan

Philippe Levy

Mary L Gorden

Virginia I Simcox

Krishan Prasad Koganti

Michael Kenji Mori

Liane Redford

Stacy Sweeney Pourfallah

Bryan Shimko

Corinne Bortolin

William Alexander Thaw

Peter Ciurea

Shipra Jha

Craig M Mullaney

Zack Fuerstenberg

Shaw Li

Robert Rutherford

John D Moore

Stanley M DeVan, Jr

Sangameswara Rao Panchomarthi

Jennifer A Schulz

Vanita Pandey

Gregory Kenneth Storey

Andrew Beck

Sebastian Badea

Susan French

Eric L Connolly

Simon Clarke

Michael Stephenson

James Y C Sze

Victoria Graham

Ryan Yuzon

Nancy E Hiebler

Soumyajit Ghosh

Amit Bhargava

Ben Pfisterer

Christopher M Renton

Marc Blum

William S Wallace

Phillip Dixon

Krishna (Kris) Prasad Koganti

Venkat Maranani

Uzma Makhdumi

Venkata Maranani

Ashley Carlson

A method is disclosed. The method includes receiving, from a user device via near field communications, a cryptogram, the cryptogram associated with a primary account number. The method includes transmitting, by the computer, to a server computer over a communications network comprising the Internet or a cellular phone network, a request for dynamic account information associated with the primary account number, the request including the cryptogram, wherein the server computer receives the cryptogram and then obtains and sends the dynamic account information to the computer. The method includes receiving, from the server computer over the communications network comprising the Internet or the cellular phone network, the dynamic account information. The method includes conducting, with a merchant computer, a payment transaction using the dynamic account information.

Integration of verification tokens with mobile communication devices

A method is disclosed. The method includes receiving, by a computer from a portable device via near field communications, a primary account number. The method includes transmitting, by the computer, to a validation entity computer over a communications network comprising the Internet or a cellular phone network, a request for dynamic account information associated with the primary account number. The validation entity computer obtains and sends the dynamic account information to the computer. The method also includes receiving, by the computer from the validation entity computer over the communications network comprising the Internet or the cellular phone network, the dynamic account information and populating a form on the computer with the dynamic account information.

The W-CONNECTOR ('W-CONNECTOR') facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The W-CONNECTOR may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet.

Multi-directional wallet connector apparatuses, methods and systems

Apparatuses, methods, and systems pertaining to the verification of portable consumer devices are disclosed. In one implementation, a verification token is communicatively coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a device verification value to the verification token, and optionally to a payment processing network. The verification token may enter the device verification value into a CVV field of a web page appearing on the computer's display, or may display the value to the user using the computer's display.

System and methods for managing third party tokens and transaction across issuer ecosystems are disclosed. In one embodiment, in an information processing device comprising at least one computer processor, a method for managing payment tokens may include: (1) a first computer program associated with a financial institution and executed by the information processing device accessing a payment token associated with a second computer program executed by the information processing device; (2) the first computer program identifying the payment token as associated with a financial instrument issued by the financial institution; (3) a backend for the financial institution generating an association between the payment token and the financial institution; and (4) the backend for the financial institution communicating the association to an authorization platform for the financial institution.

Systems and methods for managing third party tokens and transactions across issuer ecosystems

One embodiment of the invention is directed to a system comprising a server and a consumer device in operative communication with the server. The server comprises a processor and a computer readable medium coupled to the processor. The computer readable medium comprises computer readable program code embodied therein. The computer readable program code is adapted to be executed by the processor to receive an authorization request message for a transaction conducted by a consumer with a merchant, send the authorization request message to an issuer, modify an authorization response message to include receipt preference data, and send the authorization response message comprising the receipt data to the merchant, wherein the merchant generates a receipt for the consumer according to the receipt preference data.

Merchant alerts incorporating receipt data

A method for authenticating a consumer. The method includes receiving an authorization request message associated with a consumer conducting a transaction with a portable consumer device. A challenge message is sent to the consumer, where the challenge message is dynamic or semi-dynamic. A challenge response message is received from the consumer, and an authorization response message is sent to the consumer. The authorization response message indicates whether or not the transaction is authorized.

Consumer authentication system and method

In some embodiments, a first server computer may be provided. The first server computer may comprise a processor and a computer readable medium coupled to the processor. The computer readable medium may include code executable by the processor for implementing a method. The method may include the step of electronically receiving an authorization request message that includes a first device verification value from a merchant for a first transaction, where the first device verification value may have been received by the merchant from a mobile device based on an interaction between the mobile device and an access device. In some embodiments, the mobile device may have received the first verification value based on a first request. The method may further include the step of determining by a data processor if the first device verification value corresponds to a stored device verification value.

Security system incorporating mobile device

Systems and methods for mobile wallet payments are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for conducting a payment using an electronic wallet may include: (1) a mobile application receiving a selection of an alternate payment currency; the mobile application receiving a payment payload from an issuer; the mobile application providing the selection of the alternate payment currency and an identifier to the issuer; and the mobile application providing the payment payload and the identifier to a merchant host. The merchant host may communicate the identifier to the issuer, and the issuer may identify selection of the alternate payment currency based on the identifier.

Systems and methods for mobile wallet payments

There is provided a card or token for use in financial transactions. The financial transaction token or card has an onboard energy storage device that enables onboard electronics to operate when the card is not in the proximity of a merchant Point-Of-Service (POS) terminal. In one implementation, the onboard energy storage device includes a capacitor such as a thin-film capacitor that stores sufficient energy to power onboard electronics without the need for an onboard battery. The card may be incorporated within various conventional apparatus such as a see-through and/or protective substrate, an item of clothing, an item of jewelry, a cell phone, a Personal Digital Assistant (PDA), a credit card, an identification card, a money holder, a wallet, a personal organizer, a keychain payment tag, and like personality.

Powering financial transaction token with onboard power source

Embodiments related to systems and methods comprising receiving payment data at an access device; receiving an identifier for a mobile device at the access device; and generating and sending an authorization request message to a payment processing network, wherein the payment processing network generates a verification token, which is then sent to the mobile device whereby the mobile device is thereafter used to conduct payment transactions.

Device enrollment system and method

Systems and method for improved consumer and portable consumer device authentication are disclosed. Such systems and methods may include using dynamic verification values, challenge questions, and consumer notification as ways to prevent fraudulent transactions from being conducted.

Transaction authentication using network

The CLOUD-BASED VIRTUAL WALLET NFC APPARATUSES, METHODS AND SYSTEMS ('EAE') transform user enhanced security transaction initiation requests using EAE components into time-limited, session-specific transaction bounding tokens. In some implementations, the disclosure provides a processor-implemented method of transforming a transaction bounding token request into transaction bounded tokens and purchase authorizations.

Cloud-based virtual wallet NFC apparatuses, methods and systems

Growing community of inventors

Peasanton, CA, United States of America

Ayman A Hammad