The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Oct. 13, 2015

Filed:

Sep. 21, 2012
Applicant:

Visa International Service Association, San Francisco, CA (US);

Inventors:

Christopher George Magpayo, Belmont, CA (US);

Michael Steven Bankston, Pacifica, CA (US);

Ryan Hagey, Alameda, CA (US);

Assignee:

VISA International Service Association, San Francisco, CA (US);

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 40/00 (2012.01); G06Q 30/02 (2012.01);
U.S. Cl.
CPC ...
G06Q 30/0256 (2013.01);
Abstract

A computing apparatus configured to determine account numbers of account holders, determine merchant identifiers used to identify respective merchants in authorization requests for transactions between the respective merchants and the account holders, monitor transactions processed by a transaction handler to detect first transactions between the merchants and the account holders, and transmit information about each of the first transactions to a remote computing device in real time as the transaction handler processes the authorization of the respective detected transaction.


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