Visa International Service Association

Julian Hua

Ayman A Hammad

Thomas Purves

Robert Rutherford

Edward Katzin

Saurav Chatterjee

Patrick L Faith

Theodore David Harris

Igor V Karpenko

Phillip Kumnick

Vishwanath Shastry

Diane C Salmon

Jerry Wald

Michael Kenji Mori

Stacy Sweeney Pourfallah

Peter Ciurea

Tenni Theurer

Shipra Jha

Shaw Li

Prakash Hariramani

Abhinav Shrivastava

Jennifer A Schulz

Sebastian Badea

Susan French

Vanita Pandey

Gregory Kenneth Storey

Miroslav Gavrilov

Andrew Beck

Ben Pfisterer

Victoria Graham

Marc Blum

Amit Bhargava

The AUTOMOBILE MOBILE-INTERACTION PLATFORM APPARATUSES, METHODS AND SYSTEMS ('AMIP') The AMIP transforms cloud-based wallet and automobile settings into transaction and automobile outputs. In some embodiments, a user may request to connect an electronic wallet account to an automobile interface. Once the user's credentials have been authenticated, the automobile interface may request and receive from a remote server automobile-related and payment-method-related settings. The automobile interface may then configure its settings according to the received information.

Automobile mobile-interaction platform apparatuses, methods and systems

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 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

The WEARABLE INTELLIGENT VISION DEVICE APPARATUSES, METHODS AND SYSTEMS ('WIVD') transform mobile device location coordinate information transmissions, real-time reality visual capturing, mixed gesture capturing, bio-sensor data via WIVD components into real-time behavior-sensitive product purchase related information, shopping purchase transaction notifications, and electronic receipts. In one implementation, the WIVD may provide a personal device in the form of a pair of eyeglasses, wherein the wearer of the eyeglasses may obtain various augmented reality views. The WIVD determines a user prior behavior pattern from the accessed user profile, and obtains user real-time in-store behavior data from the user mobile device.

Wearable intelligent vision device apparatuses, methods and systems

Embodiments of the invention provide for secure voice authentication through a communication device or access device. Certain embodiments allow for providing a word string to a communication device or authentication device. The communication or authentication device plays a supplemental signal that is unique to a transaction. The communication device or authentication device concurrently records an audio segment originating from the user and the supplemental signal. The audio segment is an attempt by the user to vocally reproduce the word string. The communication device or authentication device sends the concurrently recorded audio segment and supplemental signal, to a computer, where the computer authenticates the user.

System and method for voice authentication

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.

The VIRTUAL WALLET CARD SELECTION APPARATUSES, METHODS AND SYSTEMS ('VWCS') transform virtual wallet card selections by users utilizing mobile devices via VWCS components into virtual wallet card-based transaction purchase notifications. In one implementation, the VWCS obtains a user authentication request for a purchase transaction, and extracts a universal card account number from it. Upon querying a database, the VWCS determines that the user has access to a virtual wallet and obtains virtual wallet card selection options for the user from the database. The VWCS provides the virtual wallet card selection options to a user mobile device, and obtains a user selection of an account included among the options. The VWCS initiates a purchase transaction using the user selection. Also, upon completion of authorization of the purchase transaction, the VWCS provides a purchase receipt to the user mobile device.

Virtual wallet card selection apparatuses, methods and systems

Growing community of inventors

Moraga, CA, United States of America

Julian Hua