Visa International Service Association

Daniel Eisen Fineman

Derek Vroom

Lace Cheung

Christopher Magpayo

Carlo Cubeddu

Vaishali Rao

Ann T Wang Reed

Systems and methods for anonymized behavior analysis are described. A requesting computer having access to personally identifiable information (PII) for a group of users may provide the PII to an intermediary computer having access to associated real identifiers. The intermediary computer may provide the associated real identifiers to a behavior analysis computer, which may calculate a behavior metric for each of the real identifiers, and calculate an aggregated behavior metric for the entire subset of real identifiers. The behavior analysis computer may send the aggregated behavior metric back to the requesting computer; thus, no individual behavior metrics are disclosed to the requesting computer. This process can be done without sharing the PII with the behavior analysis computer, or the real identifiers with the requesting computer, thereby protecting the privacy of the users.

Systems and methods for anonymized behavior analysis

A system and method configured to provide a mechanism allowing a third party, not involved in a payment transaction made between a merchant and a payment account, to provide a credit to the payment account as an offer benefit redeemed in view of the payment transaction. The mechanism includes a transaction handler of a payment processing network configured to provide transaction information relevant to the offer to the third party. If the third party determines that a qualifying transaction in the payment account is entitled to the benefit, the third party communicates a request, via an application programming interface (API), to a portal of the transaction handler for a credit to the payment account for the payment transaction; if the request is approved, in response, the transaction handler generates a credit transaction for the payment account.

Systems and methods to facilitate the redemption of offer benefits in a form of third party statement credits

A system and method configured to provide a mechanism allowing a third party, not involved in a payment transaction made between a merchant and a payment account, to provide a credit to the payment account as an offer benefit redeemed in view of the payment transaction. The mechanism includes a transaction handler of a payment processing network configured to provide transaction information relevant to the offer to the third party. If the third party determines that a qualifying transaction in the payment account is entitled to the benefit, the third party communicates a request, via an application programming interface (API), to a portal of the transaction handler for a credit to the payment account for the payment transaction; the transaction handler confirms the validity and permissibility of the request based on a set of business rules; if the request is approved, in response, the transaction handler generates a credit transaction for the payment account using a funding source of the third party and store data associating the credit transaction with the qualifying transaction.

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San Francisco, CA, United States of America

Daniel Eisen Fineman