Visa International Service Association

Dhiraj Sharda

Douglas Fisher

Shaw Li

The ACTIONABLE NOTIFICATIONS APPARATUSES, METHODS AND SYSTEMS ('ACNO') transforms inputs such as actionable notification enrollment input, action input, and trigger messages via ACNO components into actionable notification message output. In one embodiment, the disclosure describes a processor-implemented actionable notification method, which comprises, receiving an actionable notification enrollment request with a device identification, and criteria for receiving actionable notifications, and receiving an actionable notification trigger message. The method further comprises determining an actionable notification message based on the actionable notification trigger message and the criteria for receiving actionable notifications, and determining actionable notification associated actions. The method further comprises transmitting the actionable notification message and the associated actions, and receiving an action selection from the associated actions, and effecting the action selection.

Actionable notifications apparatuses, methods and systems

Embodiments of the invention are directed to systems and methods for authentication using audio filtering. In some embodiments, an original audio segment such as a voice segment may be received. The received original audio segment may be modified using a first predetermined algorithm. The modified audio segment may be sent to an authentication server. At the authentication server, the modified audio segment may be reconstructed into the original audio segment using a second predetermined algorithm. The client device may be authenticated for a transaction based at least in part on the reconstructed original audio segment.

Voice filter system

Embodiments of the invention are directed to systems and methods for voice filtering. In some embodiments, an original voice segment from a user may be received. The received original voice segment may be modified using a first predetermined algorithm. The modified voice segment may be sent to an authentication server. At the authentication server, the modified voice segment may be reconstructed into the original voice segment using a second predetermined algorithm. The user may be authenticated for a transaction based at least in part on the reconstructed original voice segment.

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Fremont, CA, United States of America

Dhiraj Sharda