Visa International Service Association

Tapcentive, Inc.

Other

Visa Intellectual Service Association

Mike Lindelsee

Olivier Brand

David C Wentker

James Dimmick

Kenneth Earl Irwin, Jr

Gavin Shenker

Joseph J Mirizzi

Lauren White

Gabriel Wachob

Mark Andrew Carlson

Patrick L Faith

Benedicto Dominguez

Shalini Mayor

John Tullis

Dave Wentker

Ashwin Raj

Greg Trifiletti

Christian Aabye

Hao Ngo

David William Wilson

Gregory Charles Trifiletti

Kenneth E Irwin

Near Field Communication (NFC) chips or tags are securely activated where at least one validation or redemption number is assigned to the chip or tag at the time of activation. Subsequent to activation, the NFC chip or tag enables secure data access via an Ancillary Device. Validation or redemption of the NFC chip or tag is also provided for.

Process for allowing a consumer to play and redeem digitall pull-tab tickets using a NFC chip or tag that stores inventory control numbers, and an ancillary device that facilitates communication between the NFC chip or tag and a remote gaming server which provides game outcomes to the ancillary device for display thereon

Systems and methods for intelligently authenticating payment transactions are disclosed. A user initiates a payment transaction to purchases goods or services from a merchant. The merchant sends a payment initiation request to a server computer in communication with a payment processing network and an issuer. The server computer queries various databases to determine one or more available communication channels that may be used as authentication channels by the issuer. The server computer also determines one or more communication channels, available for use by a mobile device of the user, that may be used as authentication channels to authenticate the payment transaction. The user is provided with a list of available/eligible authentication channels. User selects one of the authentication channels and the issuer is notified of the selection. The issuer uses the selected authentication channel to communicate with the user and authenticate the payment transaction.

Intelligent authentication

Process for allowing a consumer to play and redeem virtual instant tickets using a NFC chip or tag that stores inventory control numbers, and an ancillary device that facilitates communication between the NFC chip or tag and a remote gaming server which provides game outcomes to the ancillary device for display thereon

A plurality of virtual instant tickets are loaded onto a memory of a microprocessor that is physically provided to the consumer. The consumer is physically given a small object, such as a bank card or hotel room key card that has the microprocessor embedded therein. The memory of the microprocessor includes a validation number of each virtual instant ticket, and the winning or losing outcome of each virtual instant ticket and the value of any winning outcome. A purchase is made to unlock a portion of the virtual instant tickets, thereby allowing that portion of tickets to be played. The consumer uses a computing device that interacts with the microprocessor to play the tickets and informs the consumer of the outcome. Additional virtual instant tickets may be unlocked with subsequent purchases. The memory of the microprocessor is updated to indicate the one or more virtual instant tickets that were successfully played.

System and method for allowing a consumer to play a plurality of virtual instant tickets that are loaded into a microprocessor and that is physically provided to the consumer

A system allows consumers to participate in draw games through the use of a personal, portable, secure, device (portable microprocessor) that accepts and stores wagers selected by a consumer, generates wagers on behalf of the consumer, and maintains secure virtual tickets for the consumer that can be authenticated and accepted by a gaming authority. The portable microprocessor interacts with either a user's mobile device or with a game terminal, which, in turn, communicates with a game server.

Personal gaming terminal used in possession of player

Coupons are electronically delivered by a coupon generating subsystem to a plurality of mobile devices via gaming sessions experienced on the mobile devices. A memory of the coupon generating subsystem stores a set of rules associated with delivery of the coupons from the coupon generating subsystem to the mobile devices, wherein the set of rules include a payout table that determines the value of coupons that are delivered. A gaming session is initiated on one of the mobile devices when the mobile device is within a broadcast range of the coupon generating subsystem. The gaming session uses a random number generator and a central processing unit of the coupon generating subsystem to generate a result for the game of chance using the payout table in the memory. The result determines the value of a coupon to be electronically delivered via the coupon generating subsystem to the mobile device.

Distributed generation of a coupon using a game of chance, a random number generator and a payout table to determine the value of the coupon

A secure distributed gambling system and method is described. The system includes a plurality of mobile computing devices and a plurality of secure gambling microprocessors. Each of the plurality of secure gambling microprocessors is coupled with a different one of the plurality of mobile computing devices to provide a plurality of secure stand-alone gambling platforms. A gambling management system is communicatively coupled with one or more of the plurality of secure stand-alone gambling platforms to maintain gambling integrity.

Secure distributed gambling using stand-alone gambling platforms formed by independently operating coupled pairs of gambling microprocessors and mobile computing devices

A distributed generation of coupons system and method is described. One example develops a campaign having a set of rules at a campaign management system. in addition, a communication channel is established between the campaign management system and a coupon generating subsystem. The campaign having a set of rules is provided from the campaign management system to the coupon generating subsystem via the communication channel. The coupon generating subsystem is authorized to independently generate a coupon based on the set of rules of the campaign without requiring communication between the coupon generating subsystem and the campaign management system.

Distributed generation of a coupon

A token based transaction authentication system is disclosed. Issuer, merchants, and a payment processing network generate unique tokens or keys to authenticate messages between themselves and to authenticate a sending entity or consumer as they are redirected between entities. The tokens are also used to identify the particular authentication thread a message or sending entity is associated with. The sending entity authentication occurs over a web-based channel or a mobile based channel.

Token based transaction authentication

Systems and methods for service activation using algorithmically defined keys are disclosed. A consumer who has a relationship with a first party may wish to enroll in a service provided by a third party. The first party can maintain control of such enrollments through the use of algorithmically defined keys. The algorithmically defined keys also allow the third party service provider to verify data provided by the consumer as matching data stored by the first party. The verification provides for data synchronization without requiring the third party to have access to the first parties data systems.

Service activation using algorithmically defined key

Systems, apparatus, and methods for managing a payment application installed on a mobile device, such as a mobile phone are provided. An Issuer of a payment device can remotely control the payment application by instructing a wireless network carrier or operator to transmit a message to the mobile phone, where the message contains an instruction to perform an operation related to the payment application. The Issuer can remotely reset a counter or a password associated with the payment application, lock or unlock a payment application, and set the access control data to a predetermined value, to prevent unauthorized use of the payment application in the situation in which the mobile phone is lost or stolen, or the Issuer desires to limit access to the payment application for other reasons, such as limiting its exposure to unauthorized uses of the payment device.

Growing community of inventors

Redwood City, CA, United States of America

Mike Lindelsee