Visa International Service Association

Cardinalcommerce Corporation

Edward Katzin

Mark Andrew Carlson

Michael Kenji Mori

Ayman A Hammad

Julian Hua

Patrick L Faith

Theodore David Harris

Patrick Stan

Thomas Purves

Phillip Kumnick

Surendra Keshan

Gourab Basu

Ross Sakata

Jennifer A Schulz

Millie Yee

Saurav Chatterjee

Steven Cracknell

Igor V Karpenko

Vishwanath Shastry

Diane C Salmon

Stacy Sweeney Pourfallah

Peter Ciurea

Tenni Theurer

Shipra Jha

Shaw Li

Prakash Hariramani

Abhinav Shrivastava

Gregory Kenneth Storey

Andrew Beck

Sebastian Badea

Susan French

Vanita Pandey

Miroslav Gavrilov

Amit Bhargava

Ben Pfisterer

Marc Blum

Victoria Graham

Chandra S Balasubramanian

Francis M Sherwin

Michael A Keresman, Iii

Jerry Wald

Gary Bender

Steve Cracknell

Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.

Securing external systems with account token substitution

A method for obscuring a value of a sensitive data element includes: (a) receiving the sensitive data element, the sensitive data element being received over a data communications network () at a hardware computing device () of a trusted tokenization service provider (); (b) generating a token corresponding to the received sensitive data element; (c) storing the token and sensitive data element in a memory device () such that they are correlated with one another; (d) providing the generated token to a first party () that uses the token in place of the sensitive data element in a request for authorization to complete a transaction, the request being sent from the first party (); (e) intercepting the request for authorization including the token; (f) using the token contained in the intercepted request to look-up and retrieve the correlated sensitive data element in the memory device (); (g) replacing the token contained in the request with the sensitive data element retrieved from the memory device (); and (h) forwarding the request containing the sensitive data element to a second party (and/or) which employs the sensitive data element to determine whether completion of the transaction should be authorized or declined.

System and method for tokenization

The E-WALLET STORE INJECTION SEARCH APPARATUSES, METHODS AND SYSTEMS ('SIS') transform aggregated automated shopping lists and user location data using SIS components into automated shopping item availability messages and merchant location navigation responses. In some implementations, the disclosure provides a processor-implemented method of providing an automated store injection search service.

Smart shopping cart with E-wallet store injection search

The MERCHANT-CONSUMER BRIDGING PLATFORM APPARATUSES, METHODS AND SYSTEMS ('MCB-Platform') various activity requests (e.g., transaction request, merchant information update request, offer issuance request, etc.) via MCB-Platform components into transaction records and merchant database updates outputs. In one implementation, a method is disclosed, comprising: receiving an activity request including merchant information associated with a merchant; retrieving a previously stored merchant record from a database; determining merchant information update indicia based on a comparison of the merchant information and the previously stored merchant record; determining a confidence metric for the merchant information update; retrieving a confidence requirement based on the activity request; determining, within a low-latency processing time-frame, whether the determined confidence metric satisfies the retrieved confidence requirement; performing the requested activity and updating the previously stored merchant record with the merchant information update indicia when the determined confidence metric satisfies the retrieved confidence requirement; and declining the activity request when the determined confidence metric satisfies the retrieved confidence requirement.

Merchant-consumer bridging platform apparatuses, methods and systems

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

E-wallet store injection search apparatuses, methods and systems

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.

Systems, gateway computers, and methods for using a gateway abstraction layer and application platform interfaces for conducting service transactions are disclosed. A gateway abstraction layer computers can receive service requests in multiple message formats or communication protocols, transform those service requests into other message formats to process the service using one or more networks or third-party service providers. The results of the service request can then be translated back to the message format in which the original service request was received. The gateway abstraction layer can be maintained using update messages received from service providers.

Gateway abstraction layer

Methods and systems for providing custom services are disclosed. A developer interface provides standards, such as an application platform interface, for developers to use to make and test applications and services. A user interface can access downloadable or hosted services or applications to multiple users, such as, merchants, banks and networks. The system can then provide custom individual or packages of services to users based on the services requested by the user and charge the user for them on a subscription or per-use basis.

System and method for custom service markets

Growing community of inventors

San Francisco, CA, United States of America

Edward Katzin