Visa International Service Association

Clyde Valdez

Gavin Shenker

Sayeed Mohammed

Brian Sullivan

Ramesh Shankar

Richard S Nassar

Jonathan Hill

Amit Gupta

Peng Zhao

Clint Florez

Miguel Lunaparra

Jonathan Twichell

Swapneel Mahajan

Mimi Le

Techniques for managing an application token may include providing, by a first service provider application on a communication device to a first service provider computer, a first request for a first application token, receiving, by an account management application on the communication device from a token service computer in communication with the first service provider computer, the first application token, and storing the first application token in a token container in the account management application.

Token state synchronization

The claimed system and method allows for an electronic payment system to accept a single card that is both a debit card and a credit card. Further, a user may indicate a default value for the card regarding whether the card should be used as a debit card or a credit card.

Support combination cards for ecommerce

Growing community of inventors

Santa Clara, CA, United States of America

Clyde Valdez