Visa International Service Association

Shankara Narayanan Ramesh

Pradeep Damitha Senanayake

Purnachandra Reddy Motati

Vidhya Athanoor Lakshmi Narayanan

Arulmurugan Chinnasamy

Anup Tripathi

Ibrahim Kusumah Kusnanto

Rohit Mukherjee

Azad Singh

Lin Htet Aung

Michael Angelo Sarmiento Olimpo

Leo Laksmana

Jaysheel Malaybhai Mehd

Imo Michael Akpan

Avishek Prasad

A method for processing a transaction initiated using an electronic wallet application may include storing a virtual payment device configured to initiate a transaction. A rewards inquiry may be communicated to an issuer. A rewards inquiry response may be received from the issuer containing a rewards amount associated with the virtual payment device. The rewards amount may be displayed. A transaction may be initiated with a merchant using the virtual payment device. A redemption request may be communicated to the issuer. A redemption response including an updated rewards amount may be received from the issuer and include a difference between the rewards amount and the rewards amount applied toward the transaction. A system and computer program product are also disclosed.

Method, system, and computer program product for processing a transaction initiated using an electronic wallet

Provided are a system, method, and computer program product for secure payment device data storage and access. The method includes storing payment device data associated with a payment device of a user and generating a unique uniform resource locator (URL) associated with the payment device. The method also includes transmitting the unique URL to an application provider system through a first communication channel and receiving a data access request from the client device via the unique URL through a second communication channel separate from the first communication channel. The method further includes, in response to receiving the data access request, verifying an identity of the user by executing a step-up authentication protocol. The method further includes, in response to verifying the identity of the user, transmitting a data access response including the payment device data to the client device through the second communication channel.

System, method, and computer program product for secure payment device data storage and access

A computer-implemented method includes receiving an indicator that a consumer stored account details associated with an account with a resource provider computer of a resource provider in an add-account event. The transaction details associated with the add-account event are displayed to the consumer at a display interface of a computer device if the consumer is enrolled in an account-on-file tracking system configured to track add-account events for the account. The method may further include providing the consumer with one or more transaction control selections at the display interface that allow the consumer to place transaction controls on the account stored with the resource provider computer.

Systems and methods for tracking stored accounts

Growing community of inventors

Singapore, Singapore

Shankara Narayanan Ramesh