Visa U.s.a. Inc.

Other

Visa International Service Association

Liane Redford

Loc Duc Nguyen

Bryan Shimko

James L Mazour

Corinne Bortolin

Michael D Salters

Marc R Black

James G Gordon

Kim Madore

Glenda L Berg

Rajkumar Viswanathan

Ayman A Hammad

James Donald Reno

Benedicto Dominguez

Thomas Manessis

Kevin D Weller

Trudy Hill

Philippe Levy

Tony D Lewis

Stephen W Ryan

Peter R Hill

Peter Bray

A network centric system that enables participation by any number of entities including sponsors, issuers, merchants, portable devices, and acceptance point devices in one or more loyalty programs is provided. Any combination of entities may be specified for different loyalty programs.

Network centric loyalty system

A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.

Account authentication service with chip card

A system for managing coupon redemption and prioritization is provided. According to one aspect of the system, the system allows an electronic coupon or reward to be redeemed a specific number of times. The specific number of times may range from one to infinity. According to another aspect of the system, the system automatically resolves any redemption conflict associated with the concurrent redemption of electronic coupon(s) and paper-based coupon(s) by using certain predefined rules and logic.

Method and system for managing limited use coupon and coupon prioritization

A method of processing data on a server computer is disclosed. The method includes receiving data at the server computer, the data including a first data string including one or more wildcard values. The first data string is specifically associated with a customer, and the one or more wildcard values are associated with the purchase transaction. The method also includes comparing the first data string to a second data string by the server computer, and providing an output to the consumer based on the comparison.

Method and system using wildcard values

A method of processing data on a server computer is disclosed. The method includes receiving data at the server computer, the data including a first data string including one or more wildcard values. The first data string is specifically associated with a consumer, and the one or more wildcard values are associated with the purchase transaction. The method also includes comparing the first data string to a second data string by the server computer, and providing an output to the consumer based on the comparison.

A system for facilitating image management for portable devices, which includes a host configured to maintain information relating to a first portable device and a second portable device and an interface device configured to communicate with the host and the portable devices. The interface device includes control logic configured to: determine whether the first portable device is valid for image synchronization using information provided by the host in order to record an image of the first portable device, determine whether the second portable device is valid for image synchronization in order to download an image of the first portable device to the second portable device. The interface device further includes control logic configured to: determine whether the second portable device is valid for image replacement using information provided by the host so as to retrieve an image of the first portable device and download the retrieved image to the second portable device. The interface device also includes control logic configured to: determine whether the second portable device includes additional information that is not included in the image of the first portable device in order to concatenate the additional information with the image of the first portable device, and download the concatenated additional information and image of the first portable device onto the second portable device.

Method and system for providing interactive cardholder rewards image replacement

A system having a host configured to maintain information relating to a first portable device and a second portable device and an interface device configured to communicate with the host and the first and second portable devices. The interface is configured to determine whether the first portable device is valid for image synchronization for recording an image of the first portable device, determine whether the second portable device is valid for image synchronization so as to download an image of the first portable device to the second portable device. The interface is further configured to determine whether the second portable device is valid for image replacement using information provided by the host for retrieving an image of the first portable device and download the retrieved image to the second portable device. The interface device also includes control logic configured to determine whether the second portable device includes additional information that is not included in the image of the first portable device for concatenating the additional information with the image of the first portable device, and download the concatenated additional information and image of the first portable device onto the second portable device. The interface device concatenates the additional information and the image of the first portable device based on a set of conflict resolution rules.

Method and system including phone with rewards image

A portable consumer device is disclosed. The portable consumer device includes a body and a computer readable medium coupled to the body. The computer readable medium comprises a data string including one or more wildcard values. The data string is specifically associated with the consumer. For example, the data string may represent one or more products that the consumer prefers to use.

Method, system and portable consumer device using wildcard values

A mobile phone with a data string including a wildcard value. The mobile phone includes a computer readable medium comprising code for storing a data string including a wildcard value, and a body. The mobile phone may be used in purchase transactions.

Mobile phone including wildcard data string

A system for facilitating image management for portable devices is disclosed. The system includes a host configured to maintain information relating to a first portable device and a second portable device and an interface device configured to communicate with the host and the first and second portable devices. The interface device includes control logic configured to: determine whether the first portable device is valid for image synchronization using information provided by the host; and if it is determined that the first portable device is valid for image synchronization, record an image of the first portable device, determine whether the second portable device is valid for image synchronization, and download an image of the first portable device to the second portable device if it is determined that the second portable device is valid for image synchronization. The interface device further includes control logic configured to: determine whether the second portable device is valid for image replacement using information provided by the host, and if it is determined that the second portable device is valid for image replacement, retrieve an image of the first portable device and download the retrieved image to the second portable device. The interface device also includes control logic configured to: determine whether the second portable device includes additional information that is not included in the image of the first portable device, and if it is determined that the second portable device includes the additional information, concatenate the additional information with the image of the first portable device, and download the concatenated additional information and image of the first portable device onto the second portable device. The interface device concatenates the additional information and the image of the first portable device based on a set of conflict resolution rules.

Growing community of inventors

San Mateo, CA, United States of America

Liane Redford