Visa International Service Association

Visa U.s.a. Inc.

Bryan Carroll

Christian Aabye

Thomas Purves

Sivanarayana Gaddam

Jing Jin

Thomas Bellenger

Shiv Bhatt

Fotios Konstantinidis

Bartlomiej Piotr Prokop

Thomas Looney

James Donaldson

Rajiv Dutta

Shobhit Agrawal

Andre Walter Machicao

Traci Engle

Nathan Morgan

Rhidian Desmond Thomas John

Clinton Lopaka Florez

Niall McGurk

Timothy Hodkinson

Brian McManus

Thomas Joseph Looney

A system, method, and computer program product for authenticating a user for a transaction; generate an electronic wallet key pair including an electronic wallet public key and a corresponding electronic wallet secret key, the electronic wallet key pair associated with an electronic wallet transaction processing system; receive a payment gateway public key corresponding to a payment gateway secret key, the payment gateway public key and the payment gateway secret key associated with a payment gateway system; generate a public re-encryption key based on the payment gateway public key; communicate, to the payment gateway system, the public re-encryption key; receive or determine encrypted transaction data associated with a transaction, the encrypted transaction data including an account identifier encrypted with the electronic wallet public key; re-encrypt the encrypted transaction data with the public re-encryption key; and communicate, to the payment gateway system, the re-encrypted transaction data.

System, method, and computer program product for authenticating a user for a transaction

A reader device may include a midrange wireless transceiver, a controller coupled to the midrange wireless transceiver, and a memory coupled to the controller. The memory may store executable code, which when executed by the controller, causes the reader device to implement various operations including maintaining a transaction service attributes database in the memory. The operations may also include broadcasting a beacon including a transaction service indicator at a periodic interval using the midrange wireless transceiver, receiving a connection request from a communication device, and establishing a wireless connection with the communication device. The operations may further include performing an application selection process with the communication device, performing application data processing with the communication device, and performing authorization request processing for the communication device.

Mid-range reader interactions

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

A system and method which includes hardware and software is disclosed which may enable secure transactions from a vehicle.

Electronic system hardware for secure payments for vehicles

A system and method for matching transaction records to merchant records of a merchant profile database is provided, the transaction records containing transaction data of financial presentation devices that are presentable to a plurality of merchants, the transaction data including merchant identifying data that identifies the merchant for the transaction. The system includes a memory storing a plurality of transaction records, a merchant profile database storing a plurality of merchant profile records, a processor, and a match logic module executable by the processor and adapted to recognize a plurality of variations in the merchant identifying data contained in the transaction records, the match logic module operable to match each of the transaction records to an associated merchant profile record in the merchant profile database according to the recognized variations in the merchant identifying data.

System and method of matching financial transaction records to merchant records of a merchant profile database

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Livermore, CA, United States of America

Bryan Carroll