Visa International Service Association

Ebay, Incorporated

Paypal, Inc.

Srinivas Vadhri

Sowmya Saiprasad

Wenhai Pan

Jennifer Ceran

Ashwini Kadarmandalgi

Anil Kumar

Swapnil Vasant Mhasde

Alexey Oreshin, Iv

Harsha Sathyanarayana Naga

Kelly Alpert

Vadim Grevtsov

Evgeny Kozlov

A method is disclosed and includes receiving an alias resolve request message comprising an alias from a transfer server, and then transmitting the alias resolve request message comprising the alias to plurality of mapping computers. Then, a plurality of alias resolve response messages are received from the plurality of mapping computers, the plurality of alias resolve response messages respectively comprising a plurality of credentials or tokens. A credential or token from the plurality of credentials or tokens is then determined and transmitted to transfer server computer. The transfer server computer conducts a transaction process using the determined credential or token.

Alias directory

Payment systems and methods that facilitate electronic payer-payee financial transactions, using one or more universal payment identifiers, are disclosed. One method includes a payer computing device receiving a payment credential associated with a payee. The payment credential may be mapped to a universal payment address. The payer computing device may request a payment server for a payee account information associated with the payment credential. The payment server may translate the payment credential to the universal payment address, resolve the universal payment address to the payee account information, retrieve the payee account information using the universal payment address, and transmit the payee account information to the payer computing device. The payer computing device may perform a payment PUSH operation to the payment server. The payment server may forward the payment PUSH operation to the payee account to complete a financial transaction between the payer computing device and the payee.

Payment systems and methods

A method is disclosed. The method includes receiving, by a second entity computer associated with a second user from a first entity computer associated with a first user, a push transaction message comprising a value and link data for a transaction. The method also comprises transmitting, by the second entity computer to a directory computer in communication with a database storing supplemental data associated with the transaction and other transactions, a request for the supplemental data associated with the transaction, the request comprising link data. The method also includes receiving, by the second entity computer, the supplemental data from the directory computer, and providing, by the second entity computer to the second user via a second user device, the supplemental data along with a notification of an action caused by the push transaction message.

Push interaction including linked data

Systems and methods for establishing and fulfilling a smart contract between users and service providers are disclosed. A method includes creating, by one or more nodes in a computer network, a smart contract in response to a request from a user for services and providing the smart contract to a blockchain. The method then includes notifying service providers of the smart contract and receiving responses to the notifications from the service providers. Then the method includes identifying one or more service providers that can complete the service. The method then includes updating the smart contract to include data about the identified service providers. The updated smart contract includes account information for a user account of the user, and account information for service provider accounts of the identified service providers. Then a value interaction is initiated that pushes value from the user account to the service provider accounts.

Blockchain enabled service request

Blockchain enabled service request system

A method of controlling transaction velocity limits including: generating a transaction control criterion associated with a parameter; receiving a transaction message associated with a transaction request; analyzing the data associated with the parameter with respect to the transaction control criterion associated with the parameter; automatically generating and communicating at least one of: a processing request message associated with the transaction request if data associated with the at least one parameter in the transaction message does not satisfy the transaction control criterion associated with the at least one parameter, and a rejection response message if data associated with the at least one parameter in the transaction message does satisfy the transaction control criterion associated with the at least one parameter; and generating update data associated with the parameter. A system and computer program product for controlling transaction velocity limits is also disclosed.

Method, system, and computer program product for controlling transaction velocity limits

Example systems and methods that allow access to a value holding account are described. In one implementation, a method receives a first request for a second account code after activation of a selector on an account access object associated with a value holding account. The second account access code is associated with a first account access code that is associated with the value holding account. The first account code allows access to the value holding account for a first determinable period. The method generates a second request for the second account code and communicates the second request to the value holding account. The second account code is received from the value holding account and allows access to the value holding account for a second determinable period that differs from the first determinable period. The method provides the second account code to a user of the account access object.

System and method to allow access to a value holding account

A transaction fee imposed by a payment provider may be allocated between the parties to an on-line transaction in any way and at any time. This adds flexibility to the transaction and allows the parties to allocate the transaction fee on a per transaction basis that best suits the parties.

Transaction split fees

This document discusses, among other things, a system and method of allowing access to a value holding account. In various example embodiments, the value holding account is associated with a first account code that allows access to the value holding account. Some example embodiments include receiving a request for a second account code that is based on the first account code, and providing the second account code based on receiving the request for the second account code. The first account code may to allow access to the value holding account for a first determinable period and the second account code may allow access to the value holding account for a second determinable period that is different from the first determinable period.

A system for facilitating financial transactions over a network includes a first user device, a second user device and a payment processing device. The first user device is adapted to allow a first user to send an invitation to a second user, via a network, to accept a promise to pay (IOU). The second user device is adapted to allow the second user to generate a response to the invitation via the network. The payment processing device is adapted to receive the invitation and the response and to schedule a payment if the response is an affirmative response.

Growing community of inventors

Cupertino, CA, United States of America

Srinivas Vadhri