Visa International Service Association

Visa U.s.a. Inc.

Acxsys Corporation

Interac, Inc.

Zack Fuerstenberg

Ayman A Hammad

Brian Triplett

Lori D Van Deloo

Allen Cueli

Michael Stephenson

Christopher M Renton

Jack Fleishman

Oleg Makhotin

William Alexander Thaw

The utility of a portable consumer device is extended by allowing account holders the ability to gain entry into access-controlled venues using a portable consumer device that is associated with an account that was used to purchase the admission or tickets to the event at the access-controlled venue. Merchandise or other goods and services may be pre-purchased by the consumer. Pre-purchasing may occur at the time that the price of admission is paid or before entry into the venue. The portable consumer device may be validated at the entrance to the access-controlled venue. After the consumer's entry into the venue, an arrival notification alert may be triggered to provide additional goods or services. For example, when a consumer successfully enters the venue using the consumer portable device, the pre-purchased items may be delivered to the consumer location at a specific time.

Functional portable device for event access and delivery

A beverage holder apparatus includes a chip unit attached to a beverage holder and adapted to communicate with a chip unit reader to perform a payment transaction to purchase the beverage. The chip unit stores an account identifier associated with a financial account, and transmits the stored account identifier to the chip unit reader to perform the payment transaction.

Beverage holder having a chip unit for performing payment transactions

A transaction terminal is configured with an application that is configured to present a user interface for out-of-band communication with a transaction handler during the processing of a payment transaction. The transaction handler is configured to invoke the application in the transaction terminal via transmitting a predetermined code in an authorization response message.

Systems and methods to communicate with transaction terminals

A transaction terminal is configured with an application that is configured to present a user interface for out-of-band communication with a transaction handler during the processing of a payment transaction. The transaction handler is configured invoke the application in the transaction terminal via transmitting a predetermined code in an authorization response message.

A payment transfer method for transferring funds from a payer to payee is provided, including designating a payee and specifying a payment amount and an account; debiting the funds from the account and crediting a first trust account; and identifying the payee by verifying responses received in response to one or more challenge-response questions defined by the payer. If the one or more responses are verified, a second trust account may be debited and a payee account credited with the payment amount. The first and second trust accounts may then be reconciled. There is also provided a payment transfer facility for transferring funds, comprising an application server for storing payment data relating to a transfer of funds and a notification server for providing a notification of the transfer of funds.

Online payment transfer and identity management system and method

One embodiment of the invention is directed to a system comprising a database and a server computer coupled to the database, wherein the server computer comprises a processor and a computer-readable storage medium coupled to the processor, the computer readable storage medium comprising code executable by the processor for implementing a method comprising: receiving transit transaction data, determining a hotel based on the transit transaction data, and sending the transit transaction data to the hotel, wherein the hotel places a transit charge based on the transit transaction data onto a hotel folio. Another embodiment of the invention is directed to a method, the method comprising receiving transit transaction data, determining a hotel based on the transit transaction data, and sending the transit transaction data to the hotel, wherein the hotel places a transit charge based on the transit transaction data onto a hotel folio.

System and method for temporarily enabling proprietary transit payments on a hotel room key

A payment transfer method for transferring funds from a payer to payee is provided, including designating a payee and specifying a payment amount and an account; debiting the funds from the account and crediting a first trust account; and identifying the payee by verifying responses received in response to one or more challenge-response questions defined by the payer. If the one or more responses are verified, a second trust account may be debited and a payee account credited with the payment amount. The first and second trust accounts may then be reconciled. There is also provided a payment transfer facility for transferring funds., comprising an application server for storing payment data relating to a transfer of funds and a notification server for providing a notification of the transfer of funds.

Growing community of inventors

Toronto, Canada

Zack Fuerstenberg