Visa International Service Association

Varun Sharma

Ajit Vilasrao Patil

Nandakumar Kandaloo

Zian Huang

Walker Carlson

Aman Madaan

Somashekhar Pammar

Ranjan Dutta

Srijoy Aditya

Nicholas Cai

Hanna Endrias

Diane C Salmon

Kelvan Patrick Howard

Santosh Lachhman Achhra

Sukalyan Chakraborty

Martin Enriquez

Satyanarayan Belur

Michael Lemberger

Richa Garg

Patrick Egbuchulam

Provided is a system and computer-implemented method for encoding account tokens in image files. The method includes receiving, from a user associated with an account identifier, an identification of at least one image, generating at least one token based on the account identifier of the user, encoding the at least one token in the at least one image, resulting in at least one tokenized image, and communicating the at least one tokenized image to a transaction processing system, wherein the transaction processing system is configured to conduct a transaction based on the tokenized image.

System, method, and apparatus for generating tokenized images

A technique for embedding and utilizing credentials in a network address may include requesting a network address for a client device by providing an account identifier to a server computer associated with a service provider. A network address that is mapped to the account identifier can be assigned to the client device. The network address may include a routing prefix field and a network interface identifier field. The routing prefix field may include an issuer identifier of an issuer of the account, and the network interface identifier field may include an interface identifier that maps to the account identifier. By embedding credentials such as an account identifier in the network address, the actual account identifier need not be transmitted to perform actions on the account.

Embedding credentials in network addresses

Described are a system, method, and computer program product for generating and applying a predictive wait time estimate using predictive modeling. The method includes receiving initial transaction data representative of a plurality of transactions between a plurality of transaction accounts and at least one merchant. The method also includes generating, for each subinterval, training data including at least one of the following: service rate during the subinterval, number of transactions during the subinterval, total transaction value during the subinterval, mean transaction value during the subinterval, year, month, day of week, or any combination thereof. The method further includes generating a predictive model that generates an output of arrival rate for an input of at least one time parameter. The method further includes generating the predictive wait time estimate for a designated time.

Method, system, and computer program product for wait time estimation using predictive modeling

A database system populates various fields with information from a plurality of data sources which is matched to geographic and segment information for different reference identifiers. A series of data unions provide a selectable result set. A selection of elements from the selectable result set are used to generate qualifiers that are monitored in real time to determine when the qualifiers have been satisfied in order to set a semaphore allowing access to the selection of elements.

Database conditional field access

A system and method to communicate individualized/customized messages to a vehicle based on the location of the vehicle, operation statuses the vehicle, and/or mobile devices of occupants of the vehicle.

In-vehicle access

Described herein is a system and method for estimating wait times at various resource providers based on transaction information submitted to a processing network. In some embodiments, the system identifies a time distance between a target resource provider and a plurality of other resource providers in order to identify resource providers local to the target resource provider. Additionally, the system may identify segments for each of a plurality of users on the system. The processing network may identify recent transaction requests received from each of the resource providers local to the target resource provider. The processing network may then identify users associated with each of those transaction requests. Based on the segments assigned to each of those users, the system may estimate and arrival rate, and subsequently an estimated wait time, for the target resource provider.

Lines prediction model

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Foster City, CA, United States of America

Varun Sharma