Visa International Service Association

Glen Powell

John F Sheets

Igor V Karpenko

Andrew Carpenter

Embodiments of the present invention are directed to methods, apparatuses, computer readable media and systems for obtaining authorization for a plurality of split shipments associated with a single order. In particular, embodiments of the present invention allow a merchant to submit a separate split shipment authorization request for each of the plurality of split shipments. The split shipments authorization requests are linked to the original order using verifiable linking data. The linking data may be extracted from a previous (e.g., initial) split shipment authorization request and/or a previous (e.g., initial) split shipment authorization request. The linking data may be validated by an authorizing entity (e.g., a payment processing network computer or an issuer computer) to ensure validity of a split shipment authorization request. Additionally, the split shipment authorization requests may be validated using one or more predefined split shipment rules.

Split shipment processing

Embodiments of the present invention are directed to systems, methods, and apparatus for allowing an issuer to initiate account provisioning on a mobile device without interacting with an accountholder. The issuer may initiate the process by sending a provisioning information request message to a mobile device with a secure element. The mobile device may recognize the provisioning request message and gather the requisite provisioning information without requiring user input. The provisioning information may include information associated with the secure element of the mobile device. The mobile device may then send a provisioning request message to a provisioning system. The provisioning request message may include the requisite provisioning information to allow the provisioning system to provision the financial account on the secure element of the mobile device.

Automated account provisioning

Embodiments are directed to optimizing the secure provisioning of credentials to mobile devices through use of risk decision non-overrides. In some embodiments, a service provider receives a request from a wallet provider to provision a credential associated with an account to a mobile device. The request includes a first risk level associated with the provisioning. The service provider receives a second risk level associated with the provisioning request from an issuer of the account. Based upon determining that a non-override condition exists, the service provider uses the first risk level from the wallet provider and accordingly causes a user authentication to occur. A non-override condition may be determined based upon scenario indicators received within the provisioning request. In some embodiments, the non-override condition may be ignored when the first risk level indicates medium risk and the second risk level indicates high risk.

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Fremont, CA, United States of America

Glen Powell