Visa International Service Association

Visa U.s.a. Inc.

Other

University of Nebraska

Cardinalcommerce Corporation

Cameros Bay Capital, LLC

Carneros Bay Capital, LLC

Vis U.s.a. Inc.

Simbal Sports, LLC

Mark Andrew Carlson

Patrick Stan

Patrick L Faith

Ayman A Hammad

Surendra Keshan

Krishna Prasad Koganti

Glenn Leon Powell

Ryan Hagey

Sara Garrison

Ben Rewis

Joseph Bjorn Ovick

Margaret Reid

Patrick Wright

Joseph L Spears

Edward Katzin

Phillip Kumnick

Shalini Mayor

Kamlakar K Singh

Joan Myers

John Hamilton MacIlwaine

Thakur L Singh

Michael Kenji Mori

Khalid El-Awady

Gourab Basu

Ross Sakata

Gary Bender

Shajen Devassey

Millie Yee

Chandra S Balasubramanian

Francis M Sherwin

Michael A Keresman, Iii

Michael Steven Bankston

Jingwei Xie

Philip Dixon

Mike Lindelsee

Olivier Brand

Nancy L Kim

John Tullis

Kalpana Jogi

Steven Cracknell

Lauren White

Joseph J Mirizzi

Kris Koganti

Shixuan Chen

Alesia Panagiotides

Timothy Gallagher

May M Mowzoon

Dan Bebenita

Ashwin Raj

Igor V Karpenko

Phil Dixon

Abhinav Shrivastava

Miroslav Gavrilov

Steve Cracknell

Rosauro E Manansala

Ed Katzin

George William Coombes, Iv

Russell P Zink

Theodore David Harris

Andrew Lewis Johnston

Craig Hines

Benjamin Rewis

Andrew Carpenter

Peter Ciurea

Prakash Hariramani

Robert Rutherford

Kirsten Garen

Pat Stan

Kirstin Garen

Steven Cheatham

Ashley Carlson

John Hamilton Macllwaine

Uzma Makhdumi

Joe Mirizzi

John Macllwaine

Prakash Prem Hariramani

A method for authenticating a consumer. The method includes receiving an authorization request message associated with a consumer conducting a transaction with a portable consumer device. A challenge message is sent to the consumer, where the challenge message is dynamic or semi-dynamic. A challenge response message is received from the consumer, and an authorization response message is sent to the consumer. The authorization response message indicates whether or not the transaction is authorized.

Consumer authentication system and method

Coated and expanded, nanofiber structures are provided and methods of use thereof.

Nanofiber structures and methods of use thereof

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

Systems and method for improved consumer and portable consumer device authentication are disclosed. Such systems and methods may include using dynamic verification values, challenge questions, and consumer notification as ways to prevent fraudulent transactions from being conducted.

Transaction authentication using network

Expanded, nanofiber structures comprising electrospun nanofibers, a plurality of holes, and, optionally, cells are provided. Methods of making the nanofiber structures as well as methods of use thereof, particularly for wound healing, are also provided.

Expanded nanofiber structures comprising electrospun nanofibers and a plurality of holes and methods of making and use thereof

A method is disclosed. The method includes interacting with a gate access device that is capable of preventing access to a location, where the gate access device subsequently sends an authorization request message to an issuer for approval, the authorization request message including a request to charge a predetermined amount of money to pay for access to a location, and entering the location if the gate access device receives an authorization response message indicating that the charge is authorized.

On-line authorization in access environment

Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Challenge questions may be presented from the non-merchant to the consumer after receiving the payment information, thereby allowing a Judicious determination of when to ask such challenge questions and allowing complex and probative questions. The time limit for such challenge questions may advantageously be unconstrained, while still preserving security. Also, a risk analysis may be started prior to the consumer submitting payment information, thus showing an efficient and complex risk analysis. Information about an access device used by the consumer may be obtained at the non-merchant from the access device with code sent to the access device from the merchant, and the device information may be used in the risk analysis.

Cardless challenge systems and methods

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

An object retrieval device is disclosed. The retrieval device includes a retrieval end, a joint, and an extension arm. The retrieval end includes an adhesive portion and an arm portion. The arm portion includes a set of protrusions and adhesive portion includes surface segmentation. The joint is configured to pivot. The extension arm includes a first set of protrusions disposed at a first end of the extension arm. The first end of the extension arm is couplable to the arm portion of the retrieval end such that the first set of protrusions disposed on the extension arm align with the set of protrusions disposed on the arm portion of the retrieval end to form ridges.

Object retrieval device

The SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS ('SNAP') transform real-time-generated merchant-product Quick Response codes via SNAP components into virtual wallet card-based transaction purchase notifications. In one embodiment, the SNAP obtains a snapshot of a QR code presented on a display screen of a point-of-sale device from a mobile device. The SNAP decodes the QR code to obtain product information included in a checkout request of the user, and merchant information for processing a user purchase transaction with a merchant providing the QR code. The SNAP accesses a user virtual wallet to obtain user account information to process the user purchase transaction with the merchant. Using the product information, merchant information and user account information, the SNAP generates a card authorization request, and which the SNAP provides to a payment network for transaction processing. Also, the SNAP obtains a purchase receipt confirming processing of the user purchase transaction.

Snap mobile payment apparatuses, methods and systems

Embodiments of the present invention are directed to a system and method for receiving transaction data for a transaction, accessing a database comprising alert preference data, generating a contact alert message using the transaction data and alert preference data using a notification server coupled to the database wherein the contact alert message comprises contact information of a first person who conducted the transaction, and sending the contact alert message to a notification device of a second person.

Contact alert system and method

In one aspect, a computing apparatus is configured to represent offer rules based on requirements for the detection of predefined types of events and actions scheduled to be performed in response to the detection of each occurrence of the events. The events are independent from each other in processing and are linked via prerequisite conditions to formulate the requirements of an offer campaign. The computing apparatus is configured to store data indicating the completion statuses of the events and process the events, including the scheduled actions, if any, in an atomic way. Thus, the offer rules can be changed on-the-fly during run time execution by the computing apparatus.

Systems and methods to modify interaction rules during run time

Growing community of inventors

Omaha, NE, United States of America

Mark Andrew Carlson