Visa International Service Association

Gurpreet Singh Bhasin

Biju Abraham

Deepak Dhiman

Eric Willard Chamberlain

A method for detecting duplicate authorization requests includes: receiving an authorization request over an electronic payment processing network associated with an electronic payment transaction; determining whether the authorization request is a potential duplicate authorization request or is not a duplicate authorization request based on a bloom filter; in response to determining that the authorization request is a potential duplicate authorization request, determining a connectivity quality associated with the electronic payment processing network; and determining whether to process the authorization request based on the connectivity quality. A system and computer program product for detecting duplicate authorization requests are also disclosed.

Method, system, and computer program product for detecting duplicate authorization requests

A computer-implemented method, system, and computer program product is provided for authenticating a transaction. The method includes: receiving, on a mobile device associated with a user, a request from an authentication system, the request associated with a transaction requested by the user; obtaining, with the mobile device from a portable payment device, account data via radio frequency communication; obtaining, with the mobile device, mobile device location data including at least one of the following: GPS location data, telephone carrier location data, wireless network location data, or any combination thereof; encrypting, with the mobile device, at least a portion of the account data and the mobile device location data, resulting in at least one encrypted data packet; and transmitting, with the mobile device to the authentication system, the at least one encrypted data packet.

Computer-implemented method, system, and computer program product for authenticating a transaction

A method, system, and computer program product is provided for third-party authorization. The method includes generating an authorization code, encrypting the authorization code with a public key associated with a first system, resulting in an encrypted authorization code, transmitting the encrypted authorization code to the first system, receiving, from the first system, a digitally signed authorization code generated by the first system based on the authorization code and a private key corresponding to the public key associated with the first system, verifying the digitally signed authorization code based on the public key and the authorization code, and in response to verifying the digitally signed authorization code, transmitting an access token to the first system, wherein the access token is configured to authorize a user with the first system.

System, method, and computer program product for third-party authorization

Provided are computer-implemented methods for event-based communication and messaging that may include receiving transaction data for a transaction from a mobile device controlled by a requesting user, generating a payment request message based on the transaction data, transmitting the payment request message to a first plurality of mobile devices, and determining if at least one payment response message is received from at least one mobile device of the first plurality of mobile devices within a first time period. In some non-limiting embodiments or aspects, the methods may further include transmitting the payment request message to a second plurality of mobile devices, receiving a payment response message including an indication that the transaction is authorized, and processing the transaction using a payment account associated with the mobile device that transmitted the payment response message. Systems and computer program products are also provided.

System, method, and computer program product for remote authorization of payment transactions

An apparatus and method is disclosed for generating health indicator data such as behavioral health indicators, de facto health indicators, and composite health indicators. Behavioral health indicators represent a degree to which the one or more persons associated with the payment transaction data make health-conscious decisions and are generated based on payment transaction data. Behavioral health indicators may also be generated using a food behavior health indicator, a lifestyle health indicator, an activity health indicator, and a body metric health indicator. De facto health indicators represent a degree to which the one or more persons are observably healthy and are generated based on health sector data. Composite health indicators represent a holistic and complete picture of current and future health and are generated based on behavioral health indicator and de facto health indicator.

Method and apparatus for generating health indicator data

Provided are computer-implemented methods for guaranteeing a payment authorization response. Computer-implemented methods may include determining that a payment authorization response message for a payment transaction was not received from a transaction service provider system within a predetermined period of time after a payment authorization request message for the payment transaction was transmitted to the transaction service provider system; generating a supplemental payment authorization request message for the payment transaction based on the payment authorization request message; determining that the payment transaction is authorized based on a quantitative risk score associated with the supplemental payment authorization request message and an insurer rate associated with the supplemental payment authorization request message; and transmitting a supplemental payment authorization response message to a merchant system based on determining that the payment transaction is authorized. Systems and computer program products are also provided.

System, method, and computer program product for guaranteeing a payment authorization response

Transaction data across a plurality of merchants may be analyzed as a data stream in real time to determine an optimal price for a product in real time. Transaction data and product data corresponding to a plurality of purchase transactions for a product of the product data may be stored as the transactions are completed. The product data may include an item identification and an item price and the transaction data may correspond to purchase transactions between a plurality of customer computer systems and a plurality of merchant computer systems. Each purchase transaction may include an item sale price and a merchant identifier. Real-time pricing data may then be determined from a combination of coefficients corresponding to the product data and the transaction data. The item price may be revised for the product based on the pricing data.

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Fremont, CA, United States of America

Gurpreet Singh Bhasin