Visa International Service Association

Raman Chinnappan

Ilker Celikyilmaz

Kalpana Jogi

Michael Steven Bankston

Tirtha Mauli Sarkar

Basudeb Ghosh

Mahesh Govind Joshi

Darpan Dewan

Thoithoi Chingakham

Sivakumar Seshappan

Muhammad Bassam Adil Khan

Shashideep Chanda

Ryan Hagey

Guyon Krug

Rajive Gupta

Raja Veeramani

Sashideep Chanda

When a merchant fails to provide payment service details, a system matches in real time information from a data processor with data from the payment service to allow matching a request from the payment system to a particular transaction. The matching system may use high speed buffers and hardware logic to rapidly match related data from different sources at speeds of thousands a second or more. This allows characterization of the transaction for recognition of current offers applicable to the transaction as well as generation of future offers.

Real time cross-matching data

Systems and methods to dynamically combine offer data records in accordance with predetermined rules such that the data records that are required to be monitored for processing are reduced and the computation efficiency in processing the transactions and relevant offers is improved in a transaction handler configured on an electronic processing network to process a huge amount of transactions in real time and a rapidly increasing number of offers.

Systems and methods to organize and consolidate data for improved data storage and processing

A system and method includes an authorization request message configured with information about transaction amounts of items aggregated according to item categories and applicable rates for the items in the respective categories. Based on the information provided in the authorization request, a transaction handler is configured to compute a modified transaction amount for the transaction by reducing the transaction amount of items in one or more of the categories, without reducing the transaction amount(s) of items in one or more other categories, and computing a total transaction amount based on the reduction and the applicable rates.

Systems and methods using a data structure summarizing item information in authorization request messages for communication in transactions involving multiple items

A system and method to detect changes in transaction parameters for the identification of a store of the merchant in a payment processing network. The system is configured to monitor input data, such as acquirer's merchant master file (AMMF), transaction records, to detect transaction parameters of a processing entity that partially match with the transaction parameters associated with an external, persistent identifier of the merchant and/or the store of the merchant, determine a change or difference introduced in the detect transaction parameters, and update the set of transaction parameters associated with the persistent identifier of the store of the merchant that can be used to identify the set of transaction parameters of the store in a communication external to the communication system of the payment processing network.

Systems and methods to detect changes in merchant identification information

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

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Foster City, CA, United States of America

Raman Chinnappan