Visa International Service Association

Steven Cracknell

Michael Kenji Mori

Gourab Basu

Gwen Diane Ma

Mark Andrew Carlson

Patrick Stan

Surendra Keshan

Edward Katzin

Ross Sakata

Millie Yee

Laura Angevine Long

Michele Lauren Banks Larsen

Mary Theresa Taylor

Mary Taylor

Systems, methods, and apparatuses for implementing, managing, controlling, or otherwise processing customer recurrence data for transactions, such as a transaction between a customer and a resource provider, e.g., a merchant.

System, method, and apparatus for processing customer recurrence data for transactions

Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.

Securing external systems with account token substitution

Embodiments of the invention are directed to methods, systems, and devices for tracking recurrence across computer systems. One embodiment of the invention is directed to a method including processing, by a transaction processing computer, a plurality of transactions and then storing, by the transaction processing computer, data relating to the plurality of transactions. The transaction processing computer may be configured to use the data to determine a recurrence value indicating at least a frequency or number of interactions between a resource provider computer and a user, and the transaction processing computer may further initiate an action based on the recurrence value.

Techniques for tracking recurrence across computer systems

Embodiments of the invention are directed to systems and methods for stand-in processing using data driven capabilities. Transaction activity of an issuer may be monitored to detect a major incident and to automatically invoke stand-in processing. By modeling each individual account holder's behavior, improved authorization outcomes may be provided by a payment processing network during stand-in processing.

Processor issuer detection and user level stand-in authorization

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San Mateo, CA, United States of America

Steven Cracknell