Visa International Service Association

Shaw Li

Stacy Sweeney Pourfallah

Ayman A Hammad

Patrick L Faith

Theodore David Harris

Thomas Purves

Igor V Karpenko

Saurav Chatterjee

Phillip Kumnick

Diane C Salmon

Michael Kenji Mori

Edward Katzin

Douglas Fisher

Tenni Theurer

Julian Hua

Peter Ciurea

Shipra Jha

Prakash Hariramani

Abhinav Shrivastava

Jennifer A Schulz

Sebastian Badea

Susan French

Miroslav Gavrilov

Vanita Pandey

Gregory Kenneth Storey

Dhiraj Sharda

Andrew Beck

Victoria Graham

Amit Bhargava

Ben Pfisterer

James Dimmick

John Tullis

Lisa McFarland

The UNIVERSAL ELECTRONIC PAYMENT APPARATUSES, METHODS AND SYSTEMS ('UEP') transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.

Universal electronic payment apparatuses, methods and systems

Embodiments of the invention are directed to systems and methods for authentication using audio filtering. In some embodiments, an original audio segment such as a voice segment may be received. The received original audio segment may be modified using a first predetermined algorithm. The modified audio segment may be sent to an authentication server. At the authentication server, the modified audio segment may be reconstructed into the original audio segment using a second predetermined algorithm. The client device may be authenticated for a transaction based at least in part on the reconstructed original audio segment.

Voice filter system

The RESTRICTED-USE ACCOUNT PAYMENT ADMINISTRATION APPARATUSES, METHODS AND SYSTEMS (hereinafter 'RUAP') transform purchase item information inputs or purchase receipt inputs via RUAP components into restricted-use account payment settlement outputs. A method is disclosed, including: receiving a restricted-use account reimbursement request including receipt information related to a purchase transaction from a user; obtaining purchase item information from the receipt information included in the restricted-use account reimbursement request; identifying a restricted-use account of the user; determining a purchase item is eligible for the restricted-account usage; determining a reimbursement amount associated with the purchase item form the purchase item information; generating a reimbursement authorization request message including the purchase item information and the reimbursement amount; transmitting the reimbursement authorization request message to a restricted-account issuer for approval; and transacting the reimbursement amount from the restricted-use account to a user financial account upon the restricted-account issuer approval.

Restricted-use account payment administration apparatuses, methods and systems

Embodiments are directed to systems and methods for performing consumer authentication in a tokenized transaction. The token in the authentication request may be resolved to corresponding credentials before the consumer authentication process is initiated. As part of an authentication system, the merchant computer may include a merchant plug-in module as a proxy between the merchant computer and an issuer access control server. The merchant plug-in module may communicate with the issuer access control server by sending verification and authentication messages to the issuer access control server via a directory server. The token may be resolved to corresponding credentials before the authentication request reaches the issuer access computer for authentication. The merchant plug-in module, the directory server or a token router coupled to the issuer access control server may each be in communication with one or more token service providers to de-tokenize the token provided by the consumer's user device.

Tokenization capable authentication framework

The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, METHODS AND SYSTEMS ('UEP') transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.

Embodiments of the invention are directed to systems and methods for voice filtering. In some embodiments, an original voice segment from a user may be received. The received original voice segment may be modified using a first predetermined algorithm. The modified voice segment may be sent to an authentication server. At the authentication server, the modified voice segment may be reconstructed into the original voice segment using a second predetermined algorithm. The user may be authenticated for a transaction based at least in part on the reconstructed original voice segment.

A method is disclosed. The method includes obtaining value token image data associated with the image of the value token, the value token image data being derived from an image of the value token obtained from a scanning device. The method also includes initiating verification of the value token. The method may also include (i) providing a temporary use account identifier correlated with the value token; and sending the temporary use account identifier to a user; or (ii) increasing the value of a prepaid account.

Value token conversion

Growing community of inventors

San Francisco, CA, United States of America

Shaw Li