Patents Assigned to Visa International Service Association
  • Patent number: 10783566
    Abstract: Provided is a system for determining a status of at least one merchant during or after an emergency event including at least one processor to retrieve historical transaction data for at least one merchant associated with a merchant category code (MCC), determine a first transaction count for the at least one merchant based on the historical transaction data for the at least one merchant, retrieve current transaction data for the at least one merchant, determine a second transaction count for the at least one merchant based on the current transaction data for the at least one merchant, classify the at least one merchant based at least partially on a comparison between the first transaction count and the second transaction count, and display a classification of the at least one merchant based on classifying the at least one merchant. A method and computer program product are also disclosed.
    Type: Grant
    Filed: July 13, 2018
    Date of Patent: September 22, 2020
    Assignee: Visa International Service Association
    Inventors: Mahesh Joshi, Ankur Raina, Teresa Ho, Todd Winners
  • Patent number: 10785287
    Abstract: Techniques for securely binding a software application to a communication device may include sending a set of device identifiers associated with the computing device to a server, receiving a server-generated dynamic device identifier that is generated based on the set of device identifiers; and storing the server-generated dynamic device identifier during initialization of the application. During runtime execution of the application, the application may receive a request to execute an application specific task.
    Type: Grant
    Filed: November 15, 2018
    Date of Patent: September 22, 2020
    Assignee: Visa International Service Association
    Inventors: Gyan Prakash, Selim Aissi, Rasta Mansour, Ajit Gaddam
  • Patent number: 10785212
    Abstract: A method is disclosed. The method includes transmitting by a computing device, an account creation request to a remote server computer. The method further includes automatically provisioning the computing device with an access token in response to receiving a request to create the account.
    Type: Grant
    Filed: February 20, 2019
    Date of Patent: September 22, 2020
    Assignee: Visa International Service Association
    Inventors: Erick Wong, Ansar Ansari, Parveen Bansal, William Thaw
  • Patent number: 10783512
    Abstract: A mobile device having: a position determination device configured to determine a location of the mobile device; a transceiver configured to communicate with a transaction terminal via near field communication; a communication device configured to communicate with at least one server over internet; a memory storing a plurality of data items and a set of instructions of a mobile application; and at least one microprocessor coupled with the memory to execution the instructions of the mobile application. The mobile application is configured to: communicate the location of the mobile device, using the communication device, to the at least one server over internet; determine, via communications with the at least one server based on the location of the mobile device, an order of data items; and communicate, using the transceiver via near field communication, with the transaction terminal in accordance with the order of the data items.
    Type: Grant
    Filed: October 11, 2019
    Date of Patent: September 22, 2020
    Assignee: Visa International Service Association
    Inventor: Kwang Hyun Lim
  • Patent number: 10783523
    Abstract: A system and method are described for n alternate mobile payment service. The system includes a server computer for enrolling and storing user account information. The server computer is also capable of generating a unique one-time-use identifier for use during a transaction. The one-time-use identifier is returned to user as an electronic coupon which may be in the form of a two-dimensional barcode. The coupon may be used at a merchant location to complete a transaction. When the barcode is scanned it may processed similar to a credit/debit/prepaid card payment.
    Type: Grant
    Filed: February 27, 2019
    Date of Patent: September 22, 2020
    Assignee: Visa International Service Association
    Inventors: Sanjay Dattatreya Sankolli, Igor Karpenko
  • Patent number: 10776784
    Abstract: A system and method for automatically comparing obtained wireless device location information from a wireless network and comparing that location with another independent source geographic location is provided. Location information is derived from two or more sources in a multiplicity of ways and a comparison is made within a Location Comparison Engine. The Location Comparison Engine makes use of databases that assist in resolving obtained raw positioning information and converting that positioning information into one or more formats for adequate location comparison. Results of location comparison are deduced to determine if the wireless device is in some proximity to some other activity source location. Other location information used for comparison may be obtained from a multiplicity of sources, such as another network based on some activity of wireless device user, another wireless device via a wireless network, or any system capable of providing location information to the Location Comparison Engine.
    Type: Grant
    Filed: February 1, 2018
    Date of Patent: September 15, 2020
    Assignee: Visa International Service Association
    Inventors: Michael Buhrmann, Charles Dennis, Mary Reeder, Jeffrey Brennan
  • Patent number: 10776751
    Abstract: Embodiments of the invention can relate to methods, systems, apparatuses directed to integration of computing networks, especially within supply chains, and use of information from these integrated networks to generate analytics. To generate such analytics, an analysis computer or payment processing network may receive purchase data. In various embodiments the purchase data may include a product identifier that is associated with a product or service that is involved in the purchase. Once the purchase transaction with the product identifier is received, consumption of inventory at the merchant or supplier may be tracked. Tracking the consumption of inventory may involve storing and using a relationship between the product identifier and the inventory.
    Type: Grant
    Filed: March 27, 2018
    Date of Patent: September 15, 2020
    Assignee: Visa International Service Association
    Inventor: Alfred Chin
  • Patent number: 10776791
    Abstract: A method and server computer for recognizing patterns in wireless device locations using wireless device location data derived from a communications signaling network is provided. By using wireless network supported signaling operations and messages, data including information regarding the subscriber, the subscriber's device, and/or the subscriber's service may be statistically analyzed to reveal potential patterns that may indicate meaningful behaviors of the purported users of those devices.
    Type: Grant
    Filed: May 17, 2019
    Date of Patent: September 15, 2020
    Assignee: Visa International Service Association
    Inventors: William M. Ferguson, Randall A. Snyder, Devin P. Miller
  • Patent number: 10776513
    Abstract: An appliance is capable of storing and processing data related to details surrounding its ownership, behavior, and history within itself in a secure and unalterable way. The appliance may experience multiple transfers in ownership during its lifetime. Certain data stored in the appliance may be encrypted such that only qualifying parties (e.g., owners) may be able to access the data. Some data may remain private to an individual owner while other data may be made available to subsequent owners by passing a shared secret that can be utilized to decrypt the other data. Data may be stored in the appliance in chronological order and may be signed by appropriate parties such that it is not possible to alter the data without detection.
    Type: Grant
    Filed: June 26, 2018
    Date of Patent: September 15, 2020
    Assignee: Visa International Service Association
    Inventor: David White
  • Patent number: 10776766
    Abstract: A computer-implemented method presents on a merchant checkout graphical user interface associated with a payment processor widget. The payment processor widget determines affiliations of a plurality of accounts and a plurality of issuers of a user. The payment processor widget via the merchant checkout graphical user interface defines at least one selectable graphic configured for receiving interactions of the user on the selectable graphic. In response to receiving the selection of the selectable graphic, the payment processor widget presents a field within the merchant checkout graphical user interface for receiving a credential from the user associated with an authentication widget of the particular issuer. The authentication widget communicates the credential to the particular issuer for authentication of the user. In response to receiving a successful authentication indicator from the particular issuer, the payment processor widget displays a message indicating that a transaction was approved.
    Type: Grant
    Filed: January 27, 2017
    Date of Patent: September 15, 2020
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Thomas Purves
  • Patent number: 10776101
    Abstract: Embodiments of the invention relate to a technique for updating a device comprising a first and second applets implementing application code. The technique may include determining that the application code needs to be updated, generating a verification value, and sending the verification value and updated code for a function in the first applet. The updated code for the function can be stored in the second applet instead of the first applet, and the function maps of the applets can be updated to reflect the address of the updated function. The updated code can then be executed using the updated function maps to perform a process.
    Type: Grant
    Filed: May 7, 2019
    Date of Patent: September 15, 2020
    Assignee: Visa International Service Association
    Inventors: Kiushan Pirzadeh, Hendy Wong, Marc Kekicheff, Kuen Summers
  • Patent number: 10776780
    Abstract: Described herein is a system for automatically reissuing a prepaid device for an expired account upon detecting a funding event associated with the expired account. An account may be expired upon determining that one or more expiration conditions have been met. An event handler may be configured to receive events. Upon identifying a funding event associated with an expired account, the event handler may initiate a reissuance process for a prepaid device associated with the account.
    Type: Grant
    Filed: May 27, 2016
    Date of Patent: September 15, 2020
    Assignee: Visa International Service Association
    Inventors: Garrett Truax, Nyssa L. Zabel, Laura Kidd
  • Patent number: 10769614
    Abstract: A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. The invention enables the updating, correction or synchronization of transaction data maintained by an Issuer with that stored on the device. This is accomplished by using a wireless (cellular) network as a data communication channel for data provided by an Issuer to the mobile device, and is particularly advantageous in circumstances in which the contactless element is not presently capable of communication with a device reader or point of sale terminal that uses a near field communications mechanism. Data transferred between the mobile device and Issuer may be encrypted and decrypted to provide additional security and protect the data from being accessed by other users or applications.
    Type: Grant
    Filed: July 9, 2018
    Date of Patent: September 8, 2020
    Assignee: Visa International Service Association
    Inventors: Christian Aabye, Hao Ngo, David William Wilson, Gustavo Mariath Zeiden, Chris Pitchford, Kiushan Pirzadeh
  • Patent number: 10769627
    Abstract: A mobile device of a consumer can have a mobile-based credential stored in a secure memory thereof and an associated alias. Techniques for conducting a transaction with the mobile device may involve receiving a request for the mobile-based credential from a remotely accessible server in response to a requestor device receiving the alias from the consumer. The mobile-based credential can be accessed from the secure memory and transmitted to the remotely accessible server. The mobile-based credential is then usable at the remotely accessible server in combination with a server-based credential stored thereat for obtaining payment credentials to complete the transaction.
    Type: Grant
    Filed: April 4, 2014
    Date of Patent: September 8, 2020
    Assignee: Visa International Service Association
    Inventors: Horatio Nelson Huxham, Alan Joseph O'Regan
  • Patent number: 10770114
    Abstract: A data object is parsed into payload data packets so that each data packet is capable of being represented in a matrix barcode, sometimes referred to as a QR code. A matrix barcode is generated for each payload data packet and accompanying metadata used to reconstruct the data object. A matrix barcode movie is assembled from individual matrix barcodes. The resulting movie can be projected to a reader that captures the video sequence, examines each frame to extract payload data and corresponding metadata from each frame. The reader then assembles the separate payload data back into the original data object using the metadata and determines an action to take responsive to the data object. For example, a movie may be played, an image displayed, a file opened, or other action may be taken based on the file type and instructions in the metadata.
    Type: Grant
    Filed: May 9, 2017
    Date of Patent: September 8, 2020
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Nishit Shah, Ravi Krishnan Muthukrishnan, Krishnaprasad Kumbalath, Shakti Nilesh, Raghavendra Ganlaparthi, Rohit Lawange, Soujanya Yalal
  • Patent number: 10769638
    Abstract: A method for validating payment information for an online transaction is provided. A payment server can receive two representations of the same payment information. The payment information can be validated if it is determined that the two representations match. If there is no match, or the payment information is otherwise invalid, the payment information can be repaired based on a trusted representation of the payment information, such as stored payment information or an image of an associated value token. Payment information can be received via one or more communication channels, and can be provided by one or more consumer devices. A merchant service provider can validate payment information and handle transaction processing on behalf of a merchant.
    Type: Grant
    Filed: November 13, 2017
    Date of Patent: September 8, 2020
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Bharathi Ramavarjula, Nimesh Parikh, Timothy Wright
  • Patent number: 10762217
    Abstract: A method for creating a smart contract detailing an ordered set of events is disclosed. A smart contract can include information about multiple events and responses for each event. The events and response can be arranged in a predefined order. The responses can include adding new records to a blockchain.
    Type: Grant
    Filed: June 13, 2018
    Date of Patent: September 1, 2020
    Assignee: Visa International Service Association
    Inventors: Ajith Thekadath, Timothy P. Tidwell, Venkata Javaji, Mondo Jacobs
  • Patent number: 10755280
    Abstract: Described herein are systems and methods for providing accurate assessments of existing fraud rules while controlling for various transaction risks. In some embodiments, transaction data may be obtained from a number of entities and may be segmented by applying various filters. Once segmented, each segment may be analyzed to obtain metrics for a target entity. A separate set of peers is dynamically determined for each segment. The metric values for the target entity may then be compared to the metric values for the peers in the peer set to assess the target entity's performance with respect to each segment. Based on a variance of the target entity from its peers, the system may identify the segment as an opportunity. A rule may then be generated automatically based on the identified segment. In some embodiments, the rule may be added to a rule file for automatic implementation by the target entity.
    Type: Grant
    Filed: January 13, 2017
    Date of Patent: August 25, 2020
    Assignee: Visa International Service Association
    Inventors: Ratinder Bedi, Michael Tsung, Mayrose Kragas, Christopher DeMartini, Nirmal Baid
  • Patent number: 10747784
    Abstract: A classification server perform a method for classifying an entity and identifying reason codes for the classification. The classification server can use a gradient boosting machine to build a classification model using training data. The classification model can be an ensemble of decision trees where each terminal node in the decision tree is associated with a response. The responses from each decision tree can be aggregated by the classification server in order to determine a classification for a new entity. The classification server can determine feature contribution values based on expected feature values. These feature contribution values can be associated with each of the responses in the classification model. These feature contribution values can be used to determine reason codes for the classification of the entity. As such, the classification server can perform a single traversal of the classification model to classify the entity and identify reason codes.
    Type: Grant
    Filed: April 7, 2017
    Date of Patent: August 18, 2020
    Assignee: Visa International Service Association
    Inventors: Omar Odibat, Claudia Barcenas
  • Patent number: 10748149
    Abstract: Systems, architecture of the systems, and methods for generating alert message are disclosed. A user enrolls in an alert messaging service. Information that the user provides during an enrollment process are sent into a database. the user performs a transaction using a portable consumer device. Transaction data are sent to a computer apparatus. The computer apparatus accesses the database containing alert customization data. An alert message is generated based on the transaction data and the alert customization data. The alert message is sent to a user device. The systems, resources and processes responsible for performing the transaction and providing the alert messages are separated so that the transaction processing and alert generation are performed in parallel by systems in communication with each other.
    Type: Grant
    Filed: December 5, 2016
    Date of Patent: August 18, 2020
    Assignee: Visa International Service Association
    Inventors: Ayman Hammad, Mark Carlson