Visa International Service Association

Ebay, Incorporated

Paypal, Inc.

Vishwanath Shastry

Shalini Mayor

John Tullis

Thomas Purves

David Alan Gausebeck

Brian Andrew Phillips

Thanigaivel Ashwin Raj

Katherine Woo

Jacob Saul Fuentes

Calvin Chen

Kuo-Yee Richard Lee

Ayman A Hammad

Christian Aabye

Christopher C Jones

Kiushan Pirzadeh

Amit Gupta

Christian Flurscheim

Sanjeev Sharma

Jalpesh Chitalia

Edward Katzin

Ansar Ansari

Kevin Carvalho

Julian Hua

Chandra Srivastava

Madhuri Chandoor

Manoj Kannembath

Justin Chace

Samuel Shrauger

Susan French

Mark Norris

Otto Williams

Marc Blum

Kate J Kennedy

Kristen Ondeck

David Jesse

Embodiments are directed to the generation of a token associated with a status. The status of the token may affect how the token is treated and the types of restrictions placed on the token. The status of the token may indicate that the token is generated based on verification of secure user data. Alternatively, the status of the token may indicate that the token is generated based on insufficient user data and, as such, restrictions may be imposed on the token. The token requestor may be a mobile application, such as a merchant mobile application provisioned on a user device. In response to a token request from the merchant, the token provider issues tokens with varying status based on a confidence level. The status of the token may be indicated in terms of token assurance level.

Identification and verification for provisioning mobile application

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

A computer-implemented method of communicating with a point of sale terminal. The method includes establishing wireless communication with a point of sale terminal using a first communication channel, and establishing communication with the point of sale terminal using a second communication channel. The method also includes transmitting a first section of communication data via the first communication channel; and transmitting a second section of the communication data using the second communication channel.

Multi-protocol data transfer

Embodiments are directed to methods, apparatuses, computer readable media and systems for authenticating a user on a user device across multiple mobile applications. The identity of the user is validated by encoding and subsequently validating cryptographically encrypted data in a shared data store accessible by the mobile applications tied to the same entity. Specifically, the application leverages the authentication process of a trusted mobile application (e.g. a banking mobile application) to authenticate the same user on a untrusted mobile application (e.g. a merchant mobile application).

System and method for identity verification across mobile applications

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

An alias management and value transfer claim processing system is disclosed. A sending entity initiates value transfer identifying a recipient entity using an alias that is unregistered with the system. The value transfer is authorized, but not settled until the recipient entity registers with the system and claims the value transfer. The registered alias can be used for subsequent value transfers.

Alias management and value transfer claim processing

E-wallet store injection search apparatuses, methods and systems

This document describes, among other things, systems and methods for generating advertising campaigns or listings utilizing catalog information. A method comprises receiving, by an online publication system, a product catalog; accessing, by the online publication system, a merchant profile; and using the product catalog and the merchant profile to develop advertising data, wherein the advertising data includes at least one of an advertising campaign, a marketplace listing, or a store listing.

Focused advertising across multiple communication channels

Growing community of inventors

Mountain View, CA, United States of America

Vishwanath Shastry