Visa International Service Association

Thomas Purves

Ayman A Hammad

Tenni Theurer

Shilpak Mahadkar

Kevin Carvalho

Amit Gupta

Aparna Krishnan Girish

Julian Hua

Vishwanath Shastry

Jalpesh Chitalia

Edward Katzin

Chunxi Jiang

Ansar Ansari

Sang Wook Lee

Manoj Kannembath

Alan Johnson

Peng Zhao

Shipra Jha

Clint Florez

Raul Leyva

John C Wang

Samuel Shrauger

Patrick L Faith

Theodore David Harris

Igor V Karpenko

Saurav Chatterjee

Phillip Kumnick

Diane C Salmon

Michael Kenji Mori

Stacy Sweeney Pourfallah

Peter Ciurea

Shaw Li

Bryan Carroll

Robert Rutherford

Madhuri Chandoor

Prakash Hariramani

Shiv Bhatt

Jennifer A Schulz

Abhinav Shrivastava

Andrew Beck

Vanita Pandey

Susan French

Sebastian Badea

Gregory Kenneth Storey

Miroslav Gavrilov

Guyon Krug

Otto Williams

Ben Pfisterer

Amit Bhargava

Victoria Graham

Fotios Konstantinidis

Erica Lee

Marc Blum

Barbara Elizabeth Patterson

Feng Chi Wang

Margaret Szeto

Manav Gupta

Marco Huerta

Vincent Hesener

Prasad Madhukar Gore

Clive Alan Wintle

Anthony Kim

Fayaz Mudnal

Embodiments of the invention are directed to systems and methods of providing secure remote transaction (SRT) transactions. In some embodiments, a resource provider is able to embed a checkout element into a webpage that it hosts. The checkout element enables interaction between a user that has accessed the webpage and an initiator application server located remotely in order to complete a transaction while preventing the resource provider from gaining access to sensitive information. In some embodiments, the user's information may be determined by an initiator server and populated into the checkout element.

Secure remote transaction framework using dynamic secure checkout element

The REMOTE DECOUPLED APPLICATION PERSISTENT STATE APPARATUSES, METHODS AND SYSTEMS ('P-STATE') transforms purchase action input, cookie states search criteria input, and cookie states selection input via P-STATE components such as cookie/states storage (“CSS”) component; cookie states search presentation (“CSSP”) component; and cookie/states reload/recreate (“CSRR”) component, into cookie state presentation outputs.

Remote decoupled application persistent state apparatuses, methods and systems

The W-CONNECTOR ('W-CONNECTOR') facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The W-CONNECTOR may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet.

Multi-directional wallet connector apparatuses, methods and systems

Embodiments of the invention are directed to systems and methods that enable authentication of a user via an authentication application that is different than a wallet application that is being used to process a transaction. The wallet application may contain payment devices and/additional wallet applications.

Adaptable authentication processing

The CONVERGED MERCHANT PROCESSING APPARATUSES, METHODS AND SYSTEMS ('CMP') facilitates the generation of user accounts with merchants. The user may be logged into an electronic wallet or issuer account, and may initiate an account generation process with a one-click mechanism. The CMP may provide information to the merchant in order to facilitate the generation of the account after receiving data from the electronic wallet or issuer.

Converged merchant processing apparatuses, methods and systems

A blockchain based alias directory may be utilized. Encrypted lists of aliases may be stored on the blockchain and may be accessible to network computers and secure gateways. Embodiments are directed to secure gateways and user devices for accessing the alias directory stored in the blockchain during a financial transaction. The user device may be provided with a list of aliases from which a user may select a payment account. Upon selection the user may be redirected to an identity verification system of the associated payment network.

Blockchain based alias interaction processing

A system for intelligent recurring transaction processing and fraud detection comprises an artificial intelligence (AI) platform including machine learning (ML) models that are in communication with server computers. The servers access historical payment transaction data from a transaction database to train the ML models to predict future recurring transactions. The servers receive an authorization request from an acquirer for a payment transaction by a cardholder using a payment device, process the authorization request to the issuer and transmit a response. Transaction data from the authorization request is input into the ML models to predict whether the payment transaction comprises a recurring payment transaction and if so, determine a predicted date of a next recurring transaction. An API call is initiated to the issuer with transaction attributes regarding the next recurring payment transaction prior to the predicted date, and the issuer sends an alert message directly to the cardholder.

Intelligent recurring transaction processing and fraud detection

A computer implemented method including receiving guest data corresponding to a transaction. The method determining a guest transaction total based on the number of prior transactions associated with the guest identifying information. The method includes determining that the guest transaction total is greater than the predetermined threshold number of transactions and responding accordingly.

Method for configuring guest checkout options

A method including receiving a selection from a first user device associated with a user, creating and storing a first cookie associated with states of a user account of the user that reflects the selection, and receiving, from a second user device, a request for state data related to the states of the user account. The method includes identifying the first cookie in response to the request for state data and determining a platform type of the second user device. The method includes generating a second cookie compliant with the platform type of the second user device based on the first cookie. The method includes sending the generated second cookie to the second user device, the second cookie including instructions to present the selection on the second user device via the platform type of the second user device.

The DYNAMIC CHECKOUT BUTTON APPARATUSES, METHODS AND SYSTEMS (DCB) transforms product page checkout request input and user identification input via DCB components such as offer/discount determination component and checkout button embedding component, into dynamic checkout button outputs.

Dynamic checkout button apparatuses, methods and systems

A facial recognition system may monitor a light source that causes a unique pattern of light to be projected on the subject during image capture. The lighting pattern may include intensity, color, source location, pattern, modulation, or combinations of these. The lighting pattern may also encode a signal used to further identify a location, time, or identity associated with the facial recognition process. In some embodiments the light source may be infrared or another frequency outside the visible spectrum but within the detection range of a sensor capturing the image.

Dynamic lighting for image-based verification processing

The E-WALLET STORE INJECTION SEARCH APPARATUSES, METHODS AND SYSTEMS ('SIS') transform aggregated automated shopping lists and user location data using SIS components into automated shopping item availability messages and merchant location navigation responses. In some implementations, the disclosure provides a processor-implemented method of providing an automated store injection search service.

Smart shopping cart with E-wallet store injection search

Growing community of inventors

San Francisco, CA, United States of America

Thomas Purves