Visa International Service Association

Chris Truelson

Leigh Radtke

Mary Theresa Taylor

Walter J Granville, Iii

Kathy Heitmueller

Shashi Velur

Mohammad Al-Bedaiwi

Eduardo Andre Vaena

Xiaodong Jiang

Douglas R Frantz

Wayne Boland

Douglas R Franz

Anuja Seton

Dogan Duransoy

Muhammad Khan

Sheryl Pinto

An automation computer can receive a set of instructions pertaining to a transaction. The automation computer can generate a request to generate and activate a virtual account, where the virtual account is associated with a transaction value and a transaction amount. The virtual account can be managed by an authorization computer that can load a transaction value onto the virtual account in an amount equal to the transaction amount. The authorization computer managing both issuer and acquirer functionality in a transaction settlement can settle the transaction rapidly using the loaded virtual account by depositing the transaction value associated with the virtual account directly into an account of a resource provider.

Rapid transaction settlement using virtual account

A method includes receiving, by a network computer, a request message including interaction data for an interaction with a user. The interaction data includes an account identifier for an account of the user. The network computer determines that the interaction is eligible for an installment plan by analyzing the interaction data. Based on determining that the interaction is eligible for the installment plan, the network computer transmits data identifying the installment plan. The network computer receives acceptance of the installment plan by the user. Responsive to confirming the acceptance, the network computer initiates the installment plan.

Installments system and method

The ELECTRONIC COUPON ISSUANCE AND REDEMPTION APPARATUSES, METHODS AND SYSTEMS ('ECIR') transforms user coupon purchase and redemption request inputs via ECIR components into coupon issuance, transaction, and analytics outputs. In some embodiments, the ECIR may receive an inventory request from a coupon program manager, including at least a virtual coupon issue criteria. The ECIR may generate one or more account identifiers, and transmit the account identifiers to the coupon program manager. The ECIR may receive, from the coupon program manager, an issue request along with the purchase information, which may include one or more purchase identifiers corresponding to one or more buyers. The ECIR may determine when the received purchase information satisfies the virtual coupon issue criteria. when it satisfies the criteria, the ECIR may issue one or more virtual coupons having the one or more account identifiers, and transmit the issued virtual cards to the coupon program manager.

Electronic coupon issuance and redemption apparatuses, methods and systems

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Highlands Ranch, CO, United States of America

Chris Truelson