Patents Assigned to Visa U.S.A. Inc.
-
Patent number: 10860997Abstract: A secure point-of-sale (POS) portal architecture for delivering multiple services is provided. According to one exemplary aspect of the architecture, a number of services offered by various parties are integrated for delivery to merchants. The parties offering the services include, for example, payment processors and merchant acquirers and other external value-added service providers. The integrated services, in turn, are offered to merchants and/or their respective customers via one or more POS devices and its supporting system infrastructure at the merchant locations. The integrated services include, for example, acceptance of multiple payment instruments, payment processing, user dialog management, sales promotion and customer support, loyalty programs, back office processing, receipt capture, employee training, risk management, dispute resolution, system security, system administration etc.Type: GrantFiled: January 11, 2016Date of Patent: December 8, 2020Assignee: Visa U.S.A. Inc.Inventors: Eric Redmond, Jean Huang, Pete Heisinger
-
Patent number: 10846682Abstract: There is provided a card or token for use in financial transactions. The financial transaction token or card has an onboard energy storage device that enables onboard electronics to operate when the card is not in the proximity of a merchant Point-Of-Service (POS) terminal. In one implementation, the onboard energy storage device includes a capacitor such as a thin-film capacitor that stores sufficient energy to power onboard electronics without the need for an onboard battery. The card may be incorporated within various conventional apparatus such as a see-through and/or protective substrate, an item of clothing, an item of jewelry, a cell phone, a Personal Digital Assistant (PDA), a credit card, an identification card, a money holder, a wallet, a personal organizer, a keychain payment tag, and like personality.Type: GrantFiled: March 24, 2016Date of Patent: November 24, 2020Assignee: Visa U.S.A. Inc.Inventors: Patrick L. Faith, Ayman A. Hammad
-
Patent number: 10810594Abstract: At each of a plurality of point of sale terminals (POS) of a merchant for each of a plurality of consumers, where each consumer seeks to conduct a transaction with the merchant for a good or service at a cost by using a payment device issued by an issuer in a payment system, data is read from a payment device. The data can include an identifier for an account issued by an issuer, information is stored for each transaction and the consumer is permitted to receive the good or service from the merchant. After the consumer has received the good or service, a batch of the transaction are processed to derive there from the respective costs that are assessable to the respective accounts, where the merchant can be a transit system, the consumer a rider thereon, end the transaction can be access to a facility thereof.Type: GrantFiled: August 10, 2018Date of Patent: October 20, 2020Assignee: VISA U.S.A. INC.Inventors: Philip Dixon, Ayman Hammad, Khalid El-Awady
-
Patent number: 10803692Abstract: A system for authorizing a financial transaction of a financial presentation device such as a credit or debit card being presented from a customer to an online merchant. The system includes a peripheral device having a processor configured to generate a dynamic verification value for the card which changes for each financial transaction, and to transmit the dynamic verification value to a user computer via an I/O interface during an online transaction. The system also includes an authentication computer having a memory for storing information used to generate a comparison verification value, a communication device for receiving the dynamic verification value originating from the peripheral device, a processor and an authentication module executable by the processor adapted to generate the comparison verification value using information stored in memory.Type: GrantFiled: May 30, 2018Date of Patent: October 13, 2020Assignee: Visa U.S.A. Inc.Inventor: Thomas Manessis
-
Patent number: 10789607Abstract: Loyalty programs can be operated within a payment processing system having multiple vendors, thereby providing access to detailed transaction data and with the flexibility for customization of the loyalty programs themselves, by establishing a communication for the transfer of data via a customer-facing channel. When the payment processing system processes a transaction between a merchant and an account holder, in addition to obtaining payment for the merchant from the account via an acquirer and an issuer, respectively, a transaction handler tabulates and stores different types of loyalty currencies in a loyalty reward account associated with the account holder if the account holder is enrolled in a loyalty program and criteria for applying the loyalty program are satisfied. The account holder is provided access to the loyalty account via the customer-facing channel.Type: GrantFiled: November 14, 2018Date of Patent: September 29, 2020Assignee: Visa U.S.A. Inc.Inventor: Edward W. Fordyce, III
-
Patent number: 10755271Abstract: A portable consumer device that is used to conduct a transaction at a merchant is authenticated. Information provided to a server computer includes locations of a merchant and a mobile communication device possessed by a consumer. If the location of the mobile communication device corresponds to the location of the merchant, the portable consumer device that is used to conduct the transaction is authenticated.Type: GrantFiled: November 13, 2018Date of Patent: August 25, 2020Assignee: Visa U.S.A. Inc.Inventors: Ayman Hammad, Patrick Faith
-
Patent number: 10748147Abstract: A method for authenticating a consumer for a portable consumer device is disclosed. One embodiment of the invention includes receiving a transaction message relating to a request by a consumer to conduct a transaction using a portable consumer device, wherein the consumer was previously enrolled in an authentication program and the consumer was previously authenticated, analyzing the transaction message to determine if a re-authentication event has taken place, causing a re-authentication message to be sent to the consumer before initiating an authorization request message to the issuer if the re-authentication event has taken place, and initiating the authorization request message to the issuer without sending the re-authentication message to the consumer if the re-authentication event has not taken place.Type: GrantFiled: June 3, 2019Date of Patent: August 18, 2020Assignee: Visa U.S.A. Inc.Inventors: Kim Steele, Mike Yakel, Kevin Weller, Patrick Faith, Lori D. Van deloo
-
Patent number: 10733604Abstract: A system and method for using derived account identifiers. The derived account identifiers are associated with a single permanent account identifier. Each derived account identifier is associated with a communication channel or portable consumer device.Type: GrantFiled: August 2, 2018Date of Patent: August 4, 2020Assignee: Visa U.S.A. Inc.Inventor: Barbara Patterson
-
Patent number: 10706424Abstract: A server computer and a mobile device, as well as a method, are disclosed. The mobile device includes an image including a transactional image layer and a master image layer. The mobile device can be used to conduct transactions.Type: GrantFiled: April 19, 2019Date of Patent: July 7, 2020Assignee: Visa U.S.A. Inc.Inventor: Timothy Markison
-
Patent number: 10692071Abstract: An apparatus such as a mobile phone includes a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.Type: GrantFiled: January 2, 2019Date of Patent: June 23, 2020Assignee: Visa U.S.A. Inc.Inventors: Ayman Hammad, Brian Triplett, Philip Dixon
-
Patent number: 10650371Abstract: A provisioning system for enabling a mobile communication device to operate as a financial presentation device (FPD) presentable to providers of goods or service is provided. The provisioning system relies on a transaction processing system that normally routes authorization requests from merchants to issuers of FPDs for purposes of authorizing FPD transactions. The transaction processing system stores security keys of all issuers in order to validate transaction data sent from the merchants. The provisioning system monitors authorization requests routed through the transaction processing system and retrieves an authorization request of a financial transaction initiated with a particular FPD. The provisioning system then transmits the FPD data contained in the retrieved authorization request and the security key stored in the transaction processing system to a secure memory element of the mobile communication device to enable the mobile communication device to operate as a FPD.Type: GrantFiled: July 24, 2019Date of Patent: May 12, 2020Assignee: Visa U.S.A. Inc.Inventor: Ayman Hammad
-
Patent number: 10614458Abstract: A payment device has identifiers, read in a magnetic strip or visual indicia by a healthcare provider, for an influenza vaccine and an account issued by an issuer to a party (e.g.; a governmental entity) upon which a transaction can be conducted that is limited to administering the influenza vaccine. The healthcare provider sends an authorization request for the transaction for delivery through its acquirer and a transaction handler to the issuer. The issuer uses the identifiers to authorize the healthcare provider to administer the influenza vaccine and to conduct the transaction, and sends an authorization response to the authorization request back through the transaction handler and the acquirer. After the receiving of the authorization response, the healthcare provider administers the influenza vaccine and conducts the transaction on the account for the sale of the service of the administering of the influenza vaccine.Type: GrantFiled: August 12, 2010Date of Patent: April 7, 2020Assignees: Visa U.S.A. Inc., Citicorp Credit Services, Inc.Inventors: Karen L. Cervenka, Stacy Pourfallah, Mary Theresa Taylor, Andrew Radlow
-
Patent number: 10607244Abstract: In one aspect, a computing apparatus includes: a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed by the transaction handler, a portal coupled with the data warehouse to receive one or more parameters as an input and to provide spending activity information for presentation as a response to the input, and an analytics engine coupled with the portal and the data warehouse to analyze spending activities of a user based on the transaction data and the one or more parameters to generate the spending activity information regarding transactions in a plurality of accounts of the user.Type: GrantFiled: February 26, 2018Date of Patent: March 31, 2020Assignee: Visa U.S.A. Inc.Inventors: Edward W. Fordyce, Michelle Eng Winters, Leigh Amaro
-
Patent number: 10600045Abstract: A mobile device with a disabling feature is disclosed. The method includes activating a mobile device having a timeout feature to disable a function of the mobile device after a set period of time. The period of time may be chosen by a user of the mobile device.Type: GrantFiled: June 22, 2018Date of Patent: March 24, 2020Assignee: Visa U.S.A. Inc.Inventors: Gavin Shenker, David Wentker, Douglas Deibert, Erick Wong
-
Patent number: 10580005Abstract: A system for providing real-time risk mitigation for an authorization system. The system receives authorization requests from multiple merchants (or their respective acquirers) and processes such requests. Each processed request is then forwarded to its corresponding issuer for further authorization. Each processed request includes an authorization message. The authorization message can include a risk score, a number of reason codes, and a number of condition codes. The use of the risk score, reason codes and condition codes allows issuers to make better informed decisions with respect to providing authorizations.Type: GrantFiled: April 21, 2015Date of Patent: March 3, 2020Assignee: VISA U.S.A. INC.Inventors: Belva J. Bruesewitz, Nancy Hilgers, Patrick L. Faith, Kevin Paul Siegel, Xiaoli Li, Krishna Prasad Koganti, Craig O'Connell
-
Patent number: 10540659Abstract: An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.Type: GrantFiled: January 11, 2019Date of Patent: January 21, 2020Assignee: Visa U.S.A. Inc.Inventors: Lynn Kemper, Akshey Shawn Vij, Robin O'Connell
-
Patent number: 10510064Abstract: A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.Type: GrantFiled: August 14, 2017Date of Patent: December 17, 2019Assignee: Visa U.S.A. Inc.Inventors: Joan Myers, Sara Garrison, Mark Carlson
-
Patent number: 10497001Abstract: A server is operable to receive a media device identifying number (ID) and establish an association between a media device and a payment account and, in one embodiment, supports at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. A network and system includes a payment card processor server that is operable to receive a payment authorization request and to determine if an authorized media device generated a purchase selection message and to determine to approve a received payment authorization request based, in part, if the media device was authorized for the purchase selection based upon a received media device ID. The system is further operable to perform a key rotation to protect payment account information.Type: GrantFiled: January 21, 2016Date of Patent: December 3, 2019Assignee: Visa U.S.A. Inc.Inventor: Simon J. Hurry
-
Patent number: 10460338Abstract: A network centric system that enables participation by any number of entities including sponsors, issuers, merchants, portable devices, and acceptance point devices in one or more loyalty programs is provided. Any combination of entities may be specified for different loyalty programs.Type: GrantFiled: December 2, 2013Date of Patent: October 29, 2019Assignee: VISA U.S.A. INC.Inventors: Liane Redford, Bryan Shimko, Loc Nguyen, Ayman Hammad
-
Patent number: 10430772Abstract: A secure point-of-sale (POS) portal architecture for delivering multiple services is provided. According to one exemplary aspect of the architecture, a number of services offered by various parties are integrated for delivery to merchants. The parties offering the services include, for example, payment processors and merchant acquirers and other external value-added service providers. The integrated services, in turn, are offered to merchants and/or their respective customers via one or more POS devices and its supporting system infrastructure at the merchant locations. The integrated services include, for example, acceptance of multiple payment instruments, payment processing, user dialog management, sales promotion and customer support, loyalty programs, back office processing, receipt capture, employee training, risk management, dispute resolution, system security, system administration etc.Type: GrantFiled: April 26, 2012Date of Patent: October 1, 2019Assignee: VISA U.S.A., INC.Inventors: Eric Redmond, Jean Huang, Pete Heisinger