Visa International Service Association

Ranjiva Prasad

Jake Jordan Butler

Nidhi Kapoor

Dean Kramer

Maheswaran Virupatchan

Thomas Patrick McCoy

Vishal Gangwani

A method for authenticating a user performed by an identity server computer is disclosed. The method comprises receiving, by a server, a user device identifier from an access device. The server transmits a challenge to a mobile device operated by a user, and the mobile device signs the challenge. The server receives and verifies the signed challenge and then provides the signed challenge or a portion thereof to an access device, which processes the transaction with the signed challenge.

Digital identity authentication system and method

Disclosed herein is a computer-implemented method of managing sensitive information and the communication thereof. The method comprising: receiving, by a first server from a second server, first sensitive information relating to a user having an account with the second server; receiving, by the first server from a user device, second sensitive information via a data entry page hosted by the first server, wherein the data entry page is configured to receive second sensitive data associated with the user and the second sensitive information is different to the first sensitive information; and associating, by the first server, the first sensitive information with the second sensitive information. The first server and the second server communicate via a first communication channel and the first server and the user device communicate via a second, different communication channel.

Managing communication of sensitive information

Described herein are systems and techniques for facilitating reclamation requests. In this disclosure, a system is described in which information related to a number of transactions is received by a service computer. The service computer may determine what transactions, or portions thereof, are eligible for reclamation and to what extent. Once eligible transactions, or portions thereof, have been identified, the service computer may identify requirements for making a reclamation request. The service computer may then identify a client device associated with the eligible transactions, generate, and transmit notifications to the client device to facilitate the submission of a reclamation request.

System and method for facilitating reclamation requests

Described herein are systems and techniques for providing automatic distribution of transaction-related benefits to an account used to conduct a transaction. In certain embodiments, the system receives transaction details from a transaction processing network as transactions are conducted. The system determines an appropriate benefit provider for a transaction conducted from an account and provides a subset of transaction details to that benefit provider. The benefit provider compares the subset of transaction details to a set of limited transaction details received from a resource provider to identify the transaction and determine a benefit amount, if any, for which the transaction qualifies. The benefit provider then provides the benefit amount to the system, which then causes the transaction processing network to credit the account the benefit amount.

System and techniques for automatic rapid benefit distribution

A method, system, and computer program product is provided for generating digital receipts. The method includes receiving, through a first communication channel, a transaction request message from a merchant system for a transaction between a consumer and the merchant system using an account identifier, assigning a transaction identifier to the transaction, storing the first transaction data in association with the transaction identifier in at least one data storage device, receiving, through a second communication channel, digital receipt data comprising a digital receipt object and second transaction data, processing the transaction using the account identifier, determining the transaction identifier based on the second transaction data by matching the second transaction data to the first transaction data in the at least one data storage device, and storing the digital receipt object in association with the transaction identifier in the at least one data storage device or at least one other storage device.

Growing community of inventors

Hampshire, United Kingdom

Ranjiva Prasad