Visa International Service Association

Rajive Gupta

Ryan Hagey

Kelvan Patrick Howard

Nancy L Kim

Ilker Celikyilmaz

Kalpana Jogi

Raman Chinnappan

Basudeb Ghosh

Mahesh Govind Joshi

Muhammad Bassam Adil Khan

Sharon L Gibson

Shashideep Chanda

Ann Wang Reed

Techniques described herein include a platform and process enabling an electronic appliance to locally store payment credentials, loyalty point information, receive price comparison information for an item, redeem rewards or loyalty points to determine a best offer for the item, and enable delivery of said item to a user with minimal user interaction. In some embodiments, an electronic appliance can receive a query for offers for an item, receive order information from a plurality of merchants about the item, and apply loyalty points to determine an offer for the item. Upon receiving confirmation the electronic appliance may transmit access credentials for ordering the item for delivery and updating the loyalty point information for the account utilized to purchase the item from the determined offer.

Platform for offer determination and presentation via internet of things

A user interface to register merchants. The user interface is configured to allow a merchant to search and identify a set of transaction parameters that are used in authorization and/or settlement messages of payment transactions initiated for a store of the merchant and allow the merchant to obtain a store identifier representing the set of transaction parameters. The store identifier, for example, can be used to label offers of the store of the merchant. Thus, whether or not an authorization or settlement message transmitted in the payment processing network for a payment transaction is for the store can be determined based on whether or not the transaction parameters in the message match with the set of transaction parameters represented by the store identifier.

Systems and methods to register merchants for data processing in an electronic transaction system

Growing community of inventors

Foster City, CA, United States of America

Rajive Gupta