Visa International Service Association

Other

William Joseph Leddy, Iii

Hongqin Song

Yu Gu

Gary Denitus Dougan

Johna Leddy

Minghua Xu

Shengfei Gu

Jacob Lyon

Chester G Duda

Provided is a method including receiving, by a user device, a request from an identity service to approve communicating a user proof-of-identity to a relying party. A user of the user device is prompted to request a one-time transaction identifier based on the request. Based on a first input from the user, the user device requests the one one-time transaction identifier from the identity service. In response to the request for the one-time transaction identifier, the user device receives the one-time transaction identifier from the identity server and displays the one-time transaction identifier on a first user device screen. The user inputs the one-time transaction identifier on a second user device screen and the user device communicates the one-time transaction identifier to the identity service. In response to receiving the at least one inputted one-time transaction identifier, the relying party determines whether to approve or deny a transaction.

Relying party risk-adjusted indicator system and method

Provided is a method for providing trusted identification of an enrolling user. The method may include communicating a unique identifier to a sponsor device of a sponsoring user. Image data associated with an image of an enrolling user may be received from the sponsor device, and the image data may include the unique identifier. The first image data may be recorded in a ledger. An edge may be generated in a tree based on the first image data and the first unique identifier, and the edge may connect a first node associated with the sponsoring user to a second node associated with the enrolling user. A trust score for the second node may be determined based on a respective trust score of each node (including the first node) connected to the second node by a respective edge. A system and computer program product are also disclosed.

Trusted identification of enrolling users based on images and unique identifiers associated with sponsoring users

A method, system, and computer program product for predicting future transactions may obtain merchant data associated with a merchant; determine a geographic location associated with the merchant based on the merchant data; determine one or more other merchants within a first threshold distance of the geographic location; obtain transaction data associated with the one or more other merchants and the merchant; and predict, based on the transaction data, at least one of a future number of transactions for the merchant in a future time period and a future transaction amount for the merchant in the future time period.

Method, system, and computer program product for predicting future transactions

Provided are a system, method, and computer program product for patient authentication and identity risk assessment. The method includes receiving an initial patient authorization request from a medical provider computing device. The initial patient authorization request includes a patient identifier communicated by a mobile device of a user to the medical provider computing device. The method also includes generating, using an identification risk assessment model and based at least partly on the initial patient authorization request, an authenticity score. The method further includes communicating the authenticity score to an insurance provider system to cause the insurance provider system to approve or decline the initial patient authorization request. The method further includes receiving a primary insurance provider response from the insurance provider system and communicating at least a portion of the primary insurance provider response to the medical provider computing device.

System, method, and computer program product for patient authentication and identity risk assessment

Disclosed are non-limiting methods for authenticating devices, including receiving a request for a device authentication identifier, transmitting a device authentication request message via a frame embedded in a webpage of a merchant website, the device authentication request message including challenge data associated with a challenge, receiving a device authentication response message via the frame embedded in the webpage of the merchant website based on the device authentication request message, the device authentication response message including challenge response data associated with a challenge response, transmitting the device authentication identifier message based on the device authentication response message, receiving a transaction request message for a transaction, including the device authentication identifier and transaction data associated with the transaction, determining the device score based on the device authentication identifier, and generating an authorization request message based on the transaction data and the device score. Systems and computer program products are also disclosed.

Systems, methods, and computer program products for authenticating devices

Provided is a computer-implemented method, system, and product for providing real-time offers based on geolocation and merchant category. The method includes receiving data associated with a plurality of transactions conducted by a plurality of merchants, the plurality of merchants including a first merchant associated with at least one first merchant category, determining an area of interest based on an estimated travel time to the first merchant from the plurality of merchants, determining a subset of merchants of the plurality of merchants within the area of interest associated with the at least one first merchant category, determining real-time market activity data associated with the first merchant and each merchant of the subset of merchants, and identifying a trend of increasing and/or decreasing transactions for the first merchant and each merchant of the subset of merchants.

System, method, and computer program product for providing real-time offers based on geolocation and merchant category

A method and system capable of generating a relying party risk-adjusted indicator associated with and used by users and parties entering into one or more transactions with a relying party.

Provided is a computer-implemented method for providing real-time offers based on geolocation and merchant category. Transaction data for transaction from a plurality of merchants is received. A subset of merchants is determined based on the physical location of the merchants and the merchant category of the merchants. Real-time market activity data is determined for each of the merchants in the subset of merchants. A real-time offer is initiated based on comparing the market activity data of at least one merchant compared to the market activity data of a first merchant.

Disclosed are non-limiting methods for authenticating devices, comprising receiving a request for a device authentication identifier, transmitting a device authentication request message via a frame embedded in a webpage of a merchant website, the device authentication request message comprising challenge data associated with a challenge, receiving a device authentication response message via the frame embedded in the webpage of the merchant website based on the device authentication request message, the device authentication response message comprising challenge response data associated with a challenge response, transmitting the device authentication identifier message based on the device authentication response message, receiving a transaction request message for a transaction, comprising the device authentication identifier and transaction data associated with the transaction, determining the device score based on the device authentication identifier, and generating, an authorization request message based on the transaction data and the device score. Systems and computer program products are also disclosed.

A device which can increase the rates of interfacial reactions including heterogeneous electron transfer reactions, the device comprising at least one sono(electro)chemical cell adapted to hold a thin layer of condensed fluid which is optionally adapted to participate in a heterogeneous electron transfer reaction, wherein the cell is further adapted to provide an ultrasonic transducer face to propagate sound waves into the thin layer of condensed fluid, and wherein the cell is still further adapted with an opening to provide the thin layer of condensed fluid with at least one interface which provides for reflection of the sound waves from the interface back into the thin layer of condensed fluid. The cells are configured to provide for a thin layer operation as opposed to a bulk operation. In method embodiments, ultrasound is applied to the thin layer of condensed fluid. The application of ultrasound is carried out both without cooling of the cell and without pressurization of the cell. Methods of using the device include fuel cells and fuel cell electrodes. Systems having anodes and cathodes are also provided.

Growing community of inventors

Lakeway, TX, United States of America

William Joseph Leddy, Iii