Visa International Service Association

Santosh Lachhman Achhra

Stanislav Tsikine

Sergey Alex Paykis

Tarun Jain

Diane C Salmon

Kelvan Patrick Howard

Ajit Vilasrao Patil

Varun Sharma

Sukalyan Chakraborty

Martin Enriquez

Satyanarayan Belur

Michael Lemberger

Sonny Swords

Anirudh Srinivas Madhavan

A method is disclosed. The method includes processing a group interaction request for an interaction involving a group. Better assurance for the interaction is provided by providing a one-time password that has a number of portions that are sent to a plurality of user devices. The portions are received and one user device may concatenate the portions to form the one-time password. It may then be entered to authenticate the interaction. Other examples include the use of an authorization request message that is authorized for an initial value. Later, separate authorization request messages with different credentials may be transmitted for different users in the group.

Multiple interaction processing

A mobile device may include a location determination device, a mobile application, a plurality of wireless communication devices, and a user interface for the mobile application. The mobile device may be coupled, via wireless connections, with a wearable device to capture identification information of the object and a remote portal to determine whether a data warehouse coupled with the portal stores a predetermined type of data associating the identification information and the mobile device. If so, the mobile device may generate an alert on the mobile device and prompt the user to accept an operation related to the object. If the user accepts the operation, the mobile application may monitor the location of the mobile device and initiate the operation based on the location of the mobile device.

Virtual reality and augmented reality systems and methods to generate mobile alerts

A method is disclosed. The method includes receiving an authorization request message for a transaction from an access device. The authorization request message includes a value and an account identifier. The user device is used by a user to conduct a transaction with the resource provider. The method also includes determining an activity metric associated with the user of the user device, determining a value alteration based at least in part on the activity metric, and applying the value alteration to the value for the transaction.

System and method for activity based interaction

A system and method to communicate individualized/customized messages to a vehicle based on the location of the vehicle, operation statuses the vehicle, and/or mobile devices of occupants of the vehicle.

In-vehicle access

A mobile device, include: a location determination device; a mobile application; a plurality of wireless communication devices; and a user interface for the mobile application. The mobile device is coupled, via wireless connections, with a wearable device to capture identification information of the object, a remote portal to determine whether data warehouse coupled with the portal stores a predetermined type of data associating the identification information and the mobile device; and if so, the mobile device generates an alert on the mobile device, and prompts the user to accept an operation related to the object. If the user accepts with operation, the mobile application is configured to monitor the location of the mobile device and initiate the operation based on the location of the mobile device.

Systems and methods to process an authorization request related to mobile data stored by a mobile application in an account hosted on a server and accessed via an access token obtained via the mobile device during a registration session with a portal of an authorization processing system that stores an item associating with an account identifier. The access token is stored in a data warehouse in association with an account identifier registered during the registration session. In response to an authorization request containing the account identifier is determined by the authorization processing system to have satisfied a first set of conditions specified in the item associated with the account identifier, the portal is instructed to use the access token to communicate with the server to determine whether a second set of conditions identified by the item are met by the mobile data stored in the account hosted on the server that is separately operated from the authorization processing system.

Growing community of inventors

Singapore, Singapore

Santosh Lachhman Achhra