Visa International Service Association

Visa U.s.a. Inc.

Diane C Salmon

Leigh Amaro

Nancy L Kim

James Alan VonDerheide

Laura DiGioacchino

Edward Winfield Fordyce, Iii

Kevin Paul Siegel

Michelle Eng Winters

Joseph Bjorn Ovick

Sayeed Mohammed

Peter Ciurea

Edward Scheidelman

Meara Day

Ayman A Hammad

Patrick L Faith

Theodore David Harris

Thomas Purves

Igor V Karpenko

Saurav Chatterjee

Phillip Kumnick

Michael Kenji Mori

Stacy Sweeney Pourfallah

Edward Katzin

Julian Hua

Tenni Theurer

Chandra Srivastava

Shipra Jha

Charles Raymond Byce

Nurtekin Savas

Shaw Li

Prakash Hariramani

Jennifer A Schulz

Abhinav Shrivastava

Miroslav Gavrilov

Gregory Kenneth Storey

Andrew Beck

Sebastian Badea

Susan French

Vanita Pandey

Victoria Graham

Amit Bhargava

Diane LeBlanc

Ben Pfisterer

Kelvan Patrick Howard

Mary Theresa Taylor

Kaushik Kaushi Subramanian

Varun Sharma

Ajit Vilasrao Patil

Santosh Lachhman Achhra

Martin Enriquez

Sukalyan Chakraborty

David Chauncey Shepard

Alfred William Griggs

Satyanarayan Belur

Michael Lemberger

Jocelyn G Maniulit

Meara Day Dey

Gregory Michael Adams

Edward W Fordyce

James Alan Vonderheide

Multiple different non-financial loyalty currencies held by different issuers are used by a consumer as financial tender for a transaction with a merchant. Each issuer pays to a primary issuer the financial currency value of the non-financial loyalty currencies being held in return for a corresponding reduction of the balance of non-financial loyalty currency. For each reduced balance, the primary issuer adds an equivalent primary loyalty currency to a primary loyalty account for the consumer. The primary issuer pays the merchant for the transaction in financial currency and makes an equivalent reduction in the balance of the primary loyalty currency. The financial value of each loyalty currency may be dependent upon its use in a transaction with a competitor of a merchant supplying loyalty currency to the consumer.

Point of interaction loyalty currency redemption in a transaction

A system includes a rule engine to determine details of loyalty reward currency redemption from one or more reward accounts as part of the processing of a payment transaction in a payment account of a user. The redemption details are determined based on user preferences and rules of the loyalty programs, and transmitted to the user during the authorization of the payment transaction. During the authorization and/or within a time window after the authorization, but before the settlement of the payment transaction, the user may provide a confirmation message that may accept, reject, or modify the redemption details. A transaction handler is configured to authorize and/or settle the payment transaction, as modified by the redemption details initially computed by the rule engine and subsequently confirmed, rejected or modified by the user via an optional confirmation message.

Systems and methods to provide a user interface for redemption of loyalty rewards

A method for providing first data and second data for an interaction is disclosed. The first data is beneficial to a first party and necessary for the interaction, while the second data is beneficial to a second party and is not necessary for the interaction. The first data and second data are provided by a first party device in a single data element. A second party device receives the single data element, separates the first data and second data, and processes the first data and second data separately.

Data passed in an interaction

A system and method to communicate individualized/customized messages to a vehicle based on the location of the vehicle, operation statuses the vehicle, and/or mobile devices of occupants of the vehicle.

In-vehicle access

The UNIVERSAL ELECTRONIC PAYMENT APPARATUSES, METHODS AND SYSTEMS ('UEP') transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.

Universal electronic payment apparatuses, methods and systems

Communication systems and methods to transmit data among a plurality of computing systems in processing benefit redemption, including a portal configured to communicate with transaction terminals, reward hosts and issues processors. In response to a reward balance inquiry from a transaction terminal, the portal communicates with a respective reward host to obtain the balance, communicates with an issuer processor to obtain a one-time use account number, and provides the transaction terminal with the balance and the account number. The transaction terminal an authorization request for a payment transaction made using the account number. In response to the authorization request being received in the issuer processor, the portal communicates with the issuer processor to identify the payment transaction and communicates with the reward host to perform a reward redemption to support the payment transaction.

Communication systems and methods to transmit data among a plurality of computing systems in processing benefit redemption

Systems and methods implementing a communication protocol for the authorization of transfer of resources in a computer system having a plurality of computers, including a centralized router connecting to source account controllers and destination account controllers that are connected to readers. A reader communicates a first authorization request having a source identifier to a portal coupled with a data storage storing data linking the source identifier to a linked identifier. The portal communicates with a respective linked account controller to obtain a response identifying an available resource. Based on the response, the reader generates a further authorization request for a requested resource from a source account identified by the source identifier to a destination account associated with the reader.

Communication protocols for processing an authorization request in a distributed computing system

The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, METHODS AND SYSTEMS ('UEP') transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.

Growing community of inventors

Lafayette, CA, United States of America

Diane C Salmon