Visa International Service Association

Rhidian Desmond Thomas John

Bartlomiej Piotr Prokop

Thomas Looney

Bryan Carroll

James Donaldson

Michael Palmer

Shobhit Agrawal

Rajiv Dutta

Nathan Morgan

Andre Walter Machicao

Brian McManus

Mary-Claire Graham

Fiachra Murray

Timothy Hodkinson

Nicola McCartan

Sean Robert Maurice Mathe

Clinton Lopaka Florez

Niall McGurk

Thomas Joseph Looney

A system, method, and apparatus is provided for integrating multiple payment options on a merchant webpage. The method includes receiving, from a merchant system associated with a merchant webpage, a payment data capture request, generating, with at least one processor, web payment capture data based on the payment data capture request, the web payment capture data configured to adapt the merchant webpage to receive payment information input by a user, communicating, to the merchant system, the web payment capture data, receiving, directly from a client computer via at least one client-side script executed by the client computer based on the web payment capture data, the payment information input by the user, generating, with at least one processor, a transient payment token based on the payment information, and directly communicating the transient payment token to the client computer.

System, method, and apparatus for integrating multiple payment options on a merchant webpage

Provided is a computer-implemented method for automatically encoding data in an electronic communication. The method includes the steps of receiving an electronic communication including textual data, the textual data including account data inputted with a microphone and processed with a speech recognition system, in response to receiving the electronic communication, automatically processing the textual data, identifying the account data based on processing the textual data, generating at least one token, wherein the at least one token is unique to the account data, generating a modified electronic communication based at least partially on the textual data and the at least one token, the modified electronic communication comprising the at least one token, and communicating the modified electronic communication to a recipient system. A system and computer program product for automatically encoding data in an electronic communication are also disclosed.

System, method, and apparatus for automatically encoding data in an electronic communication

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Helen's Bay, United Kingdom

Rhidian Desmond Thomas John