Visa International Service Association

Visa U.s.a. Inc.

Peter Ciurea

Diane C Salmon

Ayman A Hammad

Patrick L Faith

Theodore David Harris

Thomas Purves

Edward Winfield Fordyce, Iii

Igor V Karpenko

Saurav Chatterjee

Phillip Kumnick

Michael Kenji Mori

Edward Katzin

Stacy Sweeney Pourfallah

Tenni Theurer

Julian Hua

Shipra Jha

James Alan VonDerheide

Shaw Li

Prakash Hariramani

Jennifer A Schulz

Abhinav Shrivastava

Susan French

Vanita Pandey

Miroslav Gavrilov

Gregory Kenneth Storey

Andrew Beck

Sebastian Badea

Victoria Graham

Amit Bhargava

Ben Pfisterer

Mark Andrew Carlson

Kevin Paul Siegel

Michelle Eng Winters

Leigh Amaro

Shantnu Singh

Charles Raymond Byce

Nurtekin Savas

Michael Dreyer

Edward W Fordyce

James Alan Vonderheide

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

A computing apparatus includes: a portal configured to present a privacy control panel to receive input from a user to create a privacy policy; a data warehouse configured to store the privacy policy in connection with account information of the user; and a transaction handler configured to provide a privacy indicator, in accordance with the privacy policy stored in the data warehouse, in an authorization response for a transaction made using the account information of the user.

Systems and methods to provide privacy protection for activities related to transactions

A computing apparatus includes: a data warehouse storing first data representing a personal privacy policy of a user; a portal coupled between merchant systems and points of interaction of users; and a transaction handler coupled between acquirer processors and issuer processors. The portal and the transaction handler are configured to shield user data, such as address, account information, etc., from the merchant systems in accordance with the personal privacy policy of the user.

Systems and methods to protect user privacy

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.

A communications system for financial transactions, such as payment transactions made via credit accounts, debit accounts, prepaid accounts, bank accounts, stored value accounts and the like, is enhanced and/or used to support reward transactions. Thus, the reward communications can be processed as transactions over the communications system in a way similar to and/or together with credit/debit transactions.

Systems and methods to facilitate loyalty reward transactions

A system and a method for using a portable consumer device such as a mobile phone are disclosed. In one embodiment, a method according to the present invention comprises referencing data regarding an individual consumer stored as part of a payment processing network to generate an electronic coupon targeted to the individual consumer. The electronic coupon is transmitted to a mobile device of the individual consumer over a communications network, and purchase transaction utilizing the electronic coupon is processed over the payment processing network. In certain embodiments, the electronic coupon may be generated based upon temporal and/or geographic information of a prior purchase transaction conducted using the payment processing network.

Mobile coupon method and system

Systems and methods of conducting a payment transaction using a mobile phone having a camera. The systems and methods receive an image of a merchant access device and optionally location data from a mobile device of a user engaged in the transaction. The systems and methods also receive transaction information associated with the transaction and account information associated with an account of the user. The systems and methods use the information to authorize or decline the transaction.

Camera as a vehicle to identify a merchant access device

A first method comprises receiving at a computer apparatus an authorization request message comprising a first merchant identifier. The request message may also comprise an account identifier associated with an account and a first transaction amount for a first transaction conducted with a first merchant. The first method further comprises determining, by the computer apparatus, if an account comprises merchant specific currency associated with the first merchant that may be used to conduct the first transaction. It may then be determined if there is sufficient merchant specific currency associated with the first merchant in the account to pay for the first transaction amount. If there is insufficient merchant specific currency associated with the first merchant to pay for the first transaction amount, then non-specific currency in the account is applied automatically to a remainder of the first transaction amount.

Restricted use currency

In one aspect, a computing apparatus is configured to facilitate the identification of a transaction resulting from an activity occurring in a substantially separate context or environment, such as an offline transaction in a 'brick and mortar' retail store resulting from an online advertisement or an online search. The computing apparatus may match information about the activity and information about the transaction to correlate the online activity and the offline transaction. The matching process may involve the use of an offer for a discount, an incentive, a rebate, a reward, reward points, cash back, a gift, etc. The offer is to be provided in the advertisement associated with an online activity and redeemed in a payment transaction, processed via the transaction handler, to correlate the advertisement and the transaction.

Systems and methods for closing the loop between online activities and offline purchases

Systems and methods are presented for improved authentication and risk analysis processes using search engine technology. In one potential implementation, an authorization request message is received at a payment processing network as part of a transaction between a user and a merchant. The payment processing network analyzes risk based on a search history associated with the user involved in the transaction with the merchant. A response to the authentication request is made based in part on the risk associated with the user search history. In further embodiments, a user registers with a search engine as part of a service for improved authentication, where the user accepts privacy settings allowing storage of search and transaction data by a search engine server. The search engine server passes search and transaction data to a risk analysis server for creation of risk parameters which may be used to authenticate transactions.

Authentication process using search technology

Growing community of inventors

Orinda, CA, United States of America

Peter Ciurea