Visa International Service Association Patent applications |
Patent application number | Title | Published |
20150347992 | METHOD FOR PROVIDING A GRAPHICAL USER INTERFACE FOR AN ELECTRONIC TRANSACTION - The method provides a graphical user interface for an electronic transaction. An input screen is displayed in the shape of an electronic transaction device and inputs in fields of the electronic transaction device are received. If each of the one or more fields has been completed, an indication to move to an additional display of the electronic transaction device is shown. Second inputs in additional fields of the additional display are received. If each of the additional fields has been completed, an additional indication to move to a confirmation display is displayed, and the confirmation display is shown. | 12-03-2015 |
20150346994 | METHOD FOR PROVIDING A GRAPHICAL USER INTERFACE FOR AN ELECTRONIC TRANSACTION WITH A HANDHELD TOUCH SCREEN DEVICE - The method provides a graphical user interface for an electronic transaction with a handheld touch screen device. An input display is oriented to be operable by actions of a thumb of a user and accepts inputs from the user. If the user swipes in a vertical direction, additional information about an object is displayed. If a user swipes down, less information about an object is displayed. If a user swipes laterally, an additional object is displayed, and if a user taps, the object for use in an electronic transaction is displayed. | 12-03-2015 |
20150287077 | SYSTEMS AND METHODS TO PROCESS OFFERS BASED ON MERCHANT HIERARCHIES - System and method configured to store data defining merchant groups, data associating transaction terminals with merchant groups, and data associating offers with merchant groups. Each of the merchant has one or more transaction terminals configured to process payments via a payment processing network. When a transaction being processed in the payment processing network is detected to be relevant to offers, the transaction data is augmented/enriched with data identifying one or more merchant groups to which a transaction terminal that initiates the transaction is associated. Offer rules are applied to the transaction data that is augmented with merchant group data. | 10-08-2015 |
20150100417 | Dynamic Checkout Button Apparatuses, Methods and Systems - The DYNAMIC CHECKOUT BUTTON APPARATUSES, METHODS AND SYSTEMS (“DCB”) transforms product page checkout request input and user identification input via DCB components such as offer/discount determination component and checkout button embedding component, into dynamic checkout button outputs. | 04-09-2015 |
20150058162 | Remote Decoupled Application persistent State Apparatuses, Methods and Systems - The REMOTE DECOUPLED APPLICATION PERSISTENT STATE APPARATUSES, METHODS AND SYSTEMS (“P-STATE”) transforms purchase action input, cookie states search criteria input, and cookie states selection input via P-STATE components such as cookie/states storage (“CSS”) component; cookie states search presentation (“CSSP”) component; and cookie/states reload/recreate (“CSRR”) component, into cookie state presentation outputs. | 02-26-2015 |
20150046241 | Universal Value Exchange Multipoint Transactions Apparatuses, Methods and Systems - The UNIVERSAL VALUE EXCHANGE MULTIPOINT TRANSACTIONS APPARATUSES, METHODS AND SYSTEMS (“UVEMT”) transform cross-ecosystem currency exchange instructions via UVEMT components into cross-ecosystem currency exchanges. In one embodiment, the UVEMT may obtain a cross-ecosystem currency exchange instruction and determine one or more sources and destinations based on parsing the cross-ecosystem currency exchange instruction. The UVEMT may identify currency types associated with the sources and the destinations and determine exchange rates of the currency types relative to a standard currency. In one implementation, the UVEMT may obtain currency exchange restrictions and conditions associated with the sources and the destinations and generate a currency exchange flow path for currency transfer from the sources to the destinations. The UVEMT may also issue currency transfer requests to the sources and the destinations, determine that the cross-ecosystem currency exchange has been completed and provide a notification of completion of the cross-ecosystem currency exchange. | 02-12-2015 |
20150039462 | E-Wallet Store Injection Search Apparatuses, Methods and Systems - The E-WALLET STORE INJECTION SEARCH APPARATUSES, METHODS AND SYSTEMS (“SIS”) transform aggregated automated shopping lists and user location data using SIS components into automated shopping item availability messages and merchant location navigation responses. In some implementations, the disclosure provides a processor-implemented method of providing an automated store injection search service. | 02-05-2015 |
20150032603 | CERTIFICATE-AUTHENTICATED, TAG-INITIATED DORMANT TRANSACTION APPLICATION APPARATUSES, METHODS AND SYSTEMS - The CERTIFICATE-AUTHENTICATED, TAG-INITIATED DORMANT TRANSACTION APPLICATION APPARATUSES, METHODS AND SYSTEMS (“DPA”) transforms NFC, virtual wallet, and authentication inputs into application launch instructions and transaction information outputs. In some implementations, this may be achieved via obtaining an indication that a user device is in proximity to an NFC tag, where the NFC tag is associated with a merchant. Based on the indication, contents of the NFC tag are obtained. The contents include an authentication certificate for the merchant. The NFC tag is authenticated using the authentication certificate, where the authenticating of the NFC tag generates an authentication result indicating a validity of the NFC tag. An application launch instruction is provided to the user device based on the authentication result. The application launch instruction is processed at the user device to open an application associated with the merchant on the user device. | 01-29-2015 |
20150019944 | HYBRID APPLICATIONS UTILIZING DISTRIBUTED MODELS AND VIEWS APPARATUSES, METHODS AND SYSTEMS - The HYBRID APPLICATIONS UTILIZING DISTRIBUTED MODELS AND VIEWS APPARATUSES, METHODS AND SYSTEMS (“HAP”) transform hybrid application user inputs using HAP components into web-view secured data populated application views. In some implementations, the disclosure provides a processor-implemented method of providing distributed model views utilizing a hybrid application environment. | 01-15-2015 |
20150012426 | MULTI DISPARATE GESTURE ACTIONS AND TRANSACTIONS APPARATUSES, METHODS AND SYSTEMS - The Multi Disparate Gesture Actions And Transactions Apparatuses, Methods And Systems (“MDGAAT”) transform gesture, video, and audio inputs via MDGAAT components into action, augmented reality, and transaction outputs. receiving from a wallet user multiple gesture actions within a specified temporal quantum; determining composite constituent gestures, gesture manipulated objects, and user account information from the received multiple gesture actions; determining via a processor a composite gesture action associated with the determined composite constituent gestures and gesture manipulated objects; and executing via a processor the composite gesture action to perform a transaction with a user account specified by the user account information. | 01-08-2015 |
20140365301 | SYSTEMS AND METHODS TO GENERATE OFFERS BASED ON TRANSACTION DATA - A computing apparatus includes an offer engine configured to generate offers on behalf of merchants based on transaction data and a reduced set of parameters, such as budget, timing, and logo. The offers may be generated to include offer terms, identification of targeted customers to whom the offers will be provided, identification of media channels through which the offers will be distributed, and other aspects that generated based on the transaction data in accordance with the reduced set of parameters. | 12-11-2014 |
20140337205 | SYSTEMS AND METHODS TO IDENTIFY MERCHANTS - A system and method including a mobile application installed on a mobile device and configured to authenticate a merchant represented by a unique identifier, determine a position of the mobile device while the mobile device is co-located with a transaction terminal of the merchant, communicate the position to a portal to associate the position with the unique identifier and to receive an account number, and provide the account number to generate an authorization request on the transaction terminal. The authorization request includes a terminal identifier of the transaction terminal. When the authorization request generated using the account number is detected, the association between the account number provided to the mobile application and the location received from the mobile application is replaced with the association between the terminal identifier extracted from the authorization request and the location. Thus, subsequent authorization requests generated by the transaction terminal can be determined to contain the terminal identifier and identified to be associated with the location and the merchant identifier. | 11-13-2014 |
20140337175 | Universal Electronic Payment Apparatuses, Methods and Systems - The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant. | 11-13-2014 |
20140337090 | SYSTEMS AND METHODS TO MEASURE INFLUCENCE POWER - A system and method to determine influence power of users based on transaction data and social networking data. An influence score represents the effectiveness of users in influencing the purchase decisions of others. For example, after comparing the transactions of a user and the transactions of the followers or friends of the users, as identified by the social networking data and/or a registration process, the transactions of the followers or friends influenced by the user can be identified and used to determine the influence score of the user. The influenced transactions may be identified based on correlating items purchased via the influenced transactions, and/or based on correlating merchants with whom the influenced transactions are performed. The influence score can be computed based on a size of the influenced transactions and be used to rank users for the targeting, customization, and/or prioritization of future offers. | 11-13-2014 |
20140310080 | SYSTEMS AND METHODS TO PROCESS LOYALTY BENEFITS - A system and method to provide a universal loyalty currency, facilitate exchange of loyalty benefits, and allow payments using loyalty benefits. A method includes: receiving registration information to associate account information of a payment account with at least one loyalty account to enable conversion of first loyalty benefits to second loyalty benefits; receiving, for a transaction, an authorization request identifying the account information and requesting the use of the second loyalty benefits to fund at least a portion of the transaction; and processing the transaction using the second benefits converted from the first loyalty benefits hosted in the loyalty account and funds from the payment account. | 10-16-2014 |
20140304130 | SYSTEMS AND METHODS TO ENHANCE SEARCH RESULTS USING TRANSACTION DATA OF MERCHANTS - A computing apparatus includes: a transaction handler configured to process transactions in a payment processing network; a data warehouse configured to store transaction data recording the transactions processed at the transaction handler; a profile generator configured to generate, based on the transaction data, a profile including business activity data configured to identify a time period of active business, and a portal configured to communicate with a search engine to enhance search results using the business activity data. | 10-09-2014 |
20140297304 | DETERMINATION OF HEALTHCARE COVERAGE USING A PAYMENT ACCOUNT - Healthcare insurance coverage is determined using an account within a payment processing system. A transmission addressed to the payment processing system is formed including an account number of an account associated with the payment processing system, a description of a healthcare related commodity rendered to a patient deriving healthcare insurance through an insured, and request for a specification of financial responsibility of the insured for the described said healthcare related commodity. A transmission is received from the payment processing system including the requested specification of financial responsibility. | 10-02-2014 |
20140290056 | EXPANSION DEVICE PLACEMENT APPARATUS - An apparatus that facilitates the accurate and uncomplicated placement of an adhesive circuit structure onto an integrated circuit card is described. The apparatus is configured to hold the adhesive circuit structure and an integrated circuit card such that the two components can be aligned for proper placement. | 10-02-2014 |
20140279476 | Multiple Account Dynamic Card Apparatuses, Methods and Systems - The MULTIPLE ACCOUNT DYNAMIC CARD APPARATUSES, METHODS AND SYSTEMS (“MADC”) may be a flexible payment device where a first flexible layer has two sides—a back side, which includes a data varying loader element and an inner side opposite back side. The inner side may have a power source, circuit, processor, memory, and a graphics processor. An indication is obtained to display the one card account and accompanying graphics and card information and loaded onto the loader element. A display controller is also connected to the processor and controls the display. The transaction card second flexible layer has two sides, one of which is a touch e-ink display and an inner touch e-ink side. | 09-18-2014 |
20140279474 | MULTI-PURSE ONE CARD TRANSACTION APPARATUSES, METHODS AND SYSTEMS - The Multi-Purse One Card Transaction Apparatuses, Methods And Systems (“MPOC”) transform purchase item information inputs via MPOC components into account payment settlement outputs. In one implementation, the MPOC may obtain purchase item information and consumer digital wallet information at a merchant terminal; obtain consumer payment account usage rules based on the consumer digital wallet information; obtain purchase item category information from the purchase item information; determine that at least one purchase item qualifies for a consumer payment account based on the consumer payment account usage rules; generate a payment authorization request message in compliance with a transaction processing format; and send the generated payment authorization request message to a financial transaction processing server. | 09-18-2014 |
20140258124 | AUTHENTICATION PROCESS USING SEARCH TECHNOLOGY - Systems and methods are presented for improved authentication and risk analysis processes using search engine technology. In one potential implementation, an authorization request message is received at a payment processing network as part of a transaction between a user and a merchant. The payment processing network analyzes risk based on a search history associated with the user involved in the transaction with the merchant. A response to the authentication request is made based in part on the risk associated with the user search history. In further embodiments, a user registers with a search engine as part of a service for improved authentication, where the user accepts privacy settings allowing storage of search and transaction data by a search engine server. The search engine server passes search and transaction data to a risk analysis server for creation of risk parameters which may be used to authenticate transactions. | 09-11-2014 |
20140249999 | Multiple Merchant Payment Processor Platform Apparatuses, Methods and Systems - The MULTIPLE MERCHANT PAYMENT PROCESSOR PLATFORM APPARATUSES, METHODS AND SYSTEMS (“MID-PLATFORM”) enable merchants to customize the way payments made to them are processed. For example, a computer-implemented MID-Platform receives a payment request associated with a site (e.g., a website) and identifies a site profile associated with the site. The site profile is associated with one or more account processors and one or more transaction preference rules for selecting one of the account processors. The MID-Platform processes information associated with the payment request according to one or more transaction preference rules to select one of the account processors. Then, the MID-Platform sends a payment processing request to the selected account processor. | 09-04-2014 |
20140246492 | DEVICE, SYSTEM AND METHOD FOR REDUCING AN INTERACTION TIME FOR A CONTACTLESS TRANSACTION - A method comprising, at a reader, performing at least one transaction-based risk management process prior to energizing a contactless interface, initiating communication with a card utilized for a contactless transaction, receiving information associated with the card, terminating communication with the card, and authorizing the contactless transaction. | 09-04-2014 |
20140236678 | SYSTEMS AND METHODS TO ENHANCE SEARCH VIA TRANSACTIONDATA - A computing apparatus is configured to: receive a search term from a user; identify a region within which a residence location of the user is located; obtain a spending profile generated based on aggregating transaction data of users residing in the region; and customize a search result based on the spending profile. For examples, spending of users residing in different regions (e.g., identified via zip+4 postal codes) can be aggregated within respective regions, and normalized and/or ranked across the regions to generate spending preference indicators. Further, the average distances between the residence locations of users residing with different regions and merchant locations at which the users make transactions using payment accounts are determined for the respective regions. The spending indicators and the average distance are used to select, prioritize and/or customize search results to reflect the spending preferences of users based on the residence regions of the users. | 08-21-2014 |
20140236672 | SYSTEMS AND METHODS TO PROVIDE REAL-TIME OFFERS VIA A COOPERATIVE DATABASE - In one aspect, a computing apparatus is configured to: store transaction data recording transactions processed by a transaction handler; organize third party data according to community, where the third party data includes first data received from a first plurality of entities of a first community and second data received from a second plurality of entities of a second community; and responsive to a request from a merchant in the second community, present an offer of the merchant in the second community to users identified via the transaction data and the first data received from the first plurality of entities of the first community. In one embodiment, the first data provides permission from the merchant in the first community to allow the merchant in the second community to use intelligence information of the first community to identify users for targeting offers from the merchant in the second community. | 08-21-2014 |
20140222678 | SYSTEM AND METHOD FOR AUTHENTICATION USING SPEAKER VERIFICATION TECHNIQUES AND FRAUD MODEL - Embodiments of the invention provide for speaker verification on a communication device without requiring a user to go through a formal registration process with the issuer or network. Certain embodiments allow the use of a captured voice sample attempting to reproduce a word string having a random element to authenticate the user. Authentication of the user is based on both a match score indicating how closely the captured voice samples match to previously stored voice samples of the user and a pass or fail response indicating whether the voice sample is an accurate reproduction of the word string. The processing network maintains a history of the authenticated transactions and voice samples. | 08-07-2014 |
20140222533 | SYSTEMS AND METHODS TO USE TRANSACTION AUTHORIZATION COMMUNICATIONS TO PROCESS INDIVIDUALIZED OFFERS - An individualized price offer is associated with the account information of a user in a data warehouse coupled with a transaction handler of a payment processing network. If the individualized price offer is applicable for a pre-authorization of a purchase, information about the price offer is communicated to a transaction terminal via an authorization response for the pre-authorization. The transaction terminal is configured to adjust the published price in accordance with the information about the price offer such that the user is presented with an individualized price at the transaction terminal before the user starts receiving the product or service. After the purchase, the transaction terminal computes the transaction amount according to the individualized price and request clearing and settlement of the transaction according to the transaction amount computed according to the individualized price. | 08-07-2014 |
20140214681 | PRODUCT LEVEL PAYMENT NETWORK ACQUIRED TRANSACTION AUTHORIZATION - A flexible spending account system can be implemented according to one embodiment of the invention so as to automatically substantiate purchases made at a retailer merchant. For example, according to one embodiment of the invention, a method of authorizing products for purchase can be implemented by determining via a computer that a product requested for purchase at a point of sale by a consumer matches a qualified product category under the flexible spending account, sending an authorization request message for requesting use of said flexible spending account of said consumer, wherein said authorization request message comprises a total purchase amount field and a first qualified amount field for a first type of qualified items. | 07-31-2014 |
20140213300 | SYSTEMS AND METHODS TO SELECT LOCATIONS OF INTEREST BASED ON DISTANCE FROM ROUTE POINTS OR ROUTE PATHS - Selection of offers, locations or merchants based on their distances from a portion of a user's route and their affinity for the user is disclosed. A route employed by a user for travelling to a destination is obtained and segmented at identified vertices. Locations that are proximate to the route segments are determined. The proximate locations are further analyzed to obtain their specific distances from a selected portion such as the user's origin or destination or any route segment. Location based services are associated with those proximate locations that are closest to the selected portion on the user's route or those with the better utility. | 07-31-2014 |
20140200968 | SYSTEM AND METHOD FOR DETERMINING COMPETITIVE OPPORTUNITY METRICS AND INDICES - A system and method for assessing competitive opportunities is provided. Transaction records for a merchant peer group are identified, wherein the records are associated with a predetermined period of time. A competitive opportunity metric is determined for a particular merchant from the merchant peer group based on computer processing a first subset of the transaction records. A peer group competitive opportunity metric is determined based on computer processing a second subset of the transaction records. An index is generated based on the competitive opportunity metric and the peer group competitive opportunity metric to indicate performance of the particular merchant relative to the merchant peer group. | 07-17-2014 |
20140197234 | Snap Mobile Security Apparatuses, Methods and Systems - The SNAP MOBILE SECURITY APPARATUSES, METHODS AND SYSTEMS (hereinafter “SMS”) provide verification, access and security, via SMS components, to virtual wallet based electronic financial transactions. In one implementation, the SMS receives a request from a user's device to decode a scannable code and verify the security of the decoded code's contents. In some implementations, the SMS decodes the scannable code to obtain code contents requesting access to the wallet account. In some implementations, the SMS obtains from the user digital fingerprints of the user device and a request identifier for the request to access the wallet account. In some implementations, the SMS receives from the access requester digital signatures for the requester and the request identifier. In some implementations, the SMS confirms the digital fingerprints of the user device verify the device is authorized to access the wallet account. In some implementations, the SMS confirms the received digital signatures verify the access requester and the request are authorized to access the wallet account. In some implementations, the SMS sends wallet unlock and activity unlock keys to the device for activity access to the wallet. | 07-17-2014 |
20140195434 | SYSTEM AND METHOD FOR PROVIDING ADVICE TO CONSUMER REGARDING A PAYMENT TRANSACTION - Systems, apparatuses, and methods for providing a consumer with an alert or other information regarding a payment transaction. When a consumer conducts a payment transaction, an alert may be sent to a device to enable the consumer to view the alert. The contents of the alert, the triggers for sending the alert, or the delivery channel for the alert may be determined by a set of preferences that the consumer set when registering for the alert service. In response to the alert, the consumer may send an SMS or other message that requests “help”, “advice”, “need information”, etc. In some embodiments, the consumer may select or activate a user interface element that enables them to obtain advice or information regarding the transaction. In some embodiments, a consumer request for help, advice, or more information may be generated by the consumer during or after a payment transaction. In response to the request for help, advice, or information, the invention may provide the consumer with a menu or list of topics of information that is available regarding the transaction. | 07-10-2014 |
20140172660 | SYSTEMS AND METHODS TO PROVIDE ACCOUNT FEATURES VIA WEB BASED USER INTERFACES - A portal to provide user interfaces to users to access and/or purchase account features in connection with websites of issuers. The user interfaces have white label configurability that allows the issuers to customize the labeling of the user interfaces such that the user interfaces can be perceived as part of the websites of the issuers of the consumer accounts of the respective users. The user interfaces are configured to present, in a user friendly way, the account features currently in the consumer accounts, as well as optional account features that can be purchased at additional costs. | 06-19-2014 |
20140172576 | SYSTEMS AND METHODS TO SELECT LOCATIONS OF INTEREST - Identifying locations that are proximate to a particular route is disclosed. A route employed by a user for travelling to a destination is obtained and segmented at identified vertices. Locations that are proximate to the route segments are determined. The proximate locations are further analyzed to obtain their specific distances from the user's route. Location based services are associated with those proximate locations that are closest to the user's route. The user does not have to deviate far from their current route to visit the associated locations and may be motivated to capitalize on the location based services. | 06-19-2014 |
20140172534 | SYSTEMS AND METHODS TO FACILITATE PROGRAMMING OF AN OFFER CAMPAIGN - A computing apparatus configured to represent offer rules based on requirements for the detection of predefined types of events and actions scheduled to be performed in response to the detection of each occurrence of the events. At least some of the events can include the actions of providing punches on virtual punch cards in the offer programs in which a user is enrolled. One of the event types is configured to be matched/triggered in response to recording punches in the virtual punch cards. | 06-19-2014 |
20140156388 | TRACKING DEAL PROVIDER PERFORMANCE - The examples described herein establish metrics for monitoring the performance of deal provider websites. In one example, an apparatus processes a first plurality of payment requests received from at least one of a plurality of deal providers and generates a first plurality of transaction data records storing the transaction data and payment numbers. The apparatus associates a merchant providing a particular one of the deals with each of the first plurality of transaction data records, and processes a second plurality of payment requests received from at least one of the merchants and including at least one of the payment numbers. The apparatus generates a second plurality of transaction data records storing transaction data from each of the second plurality of payment requests. The apparatus filters the second plurality of transaction data records based on a category filter and generates a deal provider metric. | 06-05-2014 |
20140136104 | SYSTEMS AND METHODS FOR ROUTE PREDICTION - Predicting the future location of a user based on predicting the route that the user might take is disclosed. The routes used by the user in the past are indexed to generate a dictionary of routes which can be further augmented with contextual data. The prior routes are encoded within the dictionary such that each term representing a respective one of the prior routes comprises a collection of unique identifiers wherein each of the unique identifiers represents a segment of the respective one of the prior routes. Techniques of text prediction, term frequency for dictionary scores and other language processing techniques are used to predict the further route of the user. | 05-15-2014 |
20140129314 | SYSTEMS AND METHODS TO FACILITATE THE REDEMPTION OF LOYALTY CURRENCY - Systems and methods configured with a user interface to allow a user to request automated periodic offers that provide benefits to the consumer account of the user in exchange for a loyalty currency (e.g., loyalty points) the user has earned. | 05-08-2014 |
20140129313 | SYSTEMS AND METHODS TO FACILITATE AN OFFER CAMPAIGN BASED ON TRANSACTIONS WITH DIFFERENT MERCHANTS - Systems and methods configured to allow an offer campaign to be specified based on event requirements associated with multiple, different merchants. The event requirements are linked via prerequisite conditions to form the offer campaign. Each event may identify an event related to one merchant (e.g., a payment transaction for a purchase from the merchant) and an optional action to be performed in response to a user satisfying the requirements of the event. Each merchant in the offer campaign is allowed to insert an event related to the merchant, subsequently edit the inserted event, and identify other events in the offer campaign as prerequisite requirements of the event related to the merchant. Merchants may be prevented from inserting or editing events specific to other merchants. | 05-08-2014 |
20140129310 | MULTI-VENDOR MULTI-LOYALTY CURRENCY PROGRAM - 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. | 05-08-2014 |
20140129308 | SYSTEMS AND METHODS TO PROVIDE OFFER BENEFITS BASED ON ISSUER IDENTITY - Systems and methods configured to specify and/or deliver the benefit of an offer, based on the identity of an issuer of a consumer payment account with which the offer is associated and using which account a transaction qualifying for the offer is performed. | 05-08-2014 |
20140129306 | SYSTEMS AND METHODS TO FACILITATE AN OFFER CAMPAIGN BASED ON THE RESULT OF A COMPETITION - Systems and methods configured to allow an offer campaign to be specified in connection with a competition on a social networking site. Users are classified into different groups based on a result of the competition; and the offer campaign provides different interaction experiences to users of different groups in accordance with the specification of the offer campaign. | 05-08-2014 |
20140108238 | RULES SUGGESTION ENGINE - Embodiments of the invention are directed to systems and methods for implementing a rules suggestion engine that suggests rules to a user for lowering fraud in future transactions. Embodiments of the invention segment the transaction data based on at least one attribute defined by the user. One or more key indicators are identified corresponding to the segmented data. A correlation is performed between the user defined attribute and one or more key indicators. One or more transaction rules are generated based on the correlation that are suggested to the user for future transactions. The user can customize the rule, a field of rule, a prioritization of the rules, and even create categories of rules. | 04-17-2014 |
20140095393 | MERCHANT FRAUD RISK SCORE - Methods and systems are presented for a fraud risk score to be given to a merchant for a proposed transaction with a consumer. The fraud risk score is generated by a payment account service provider, such as a credit card processor, using information from a pending transaction as well as information from other payment accounts that the consumer holds to which the payment account service provider is privy. Various factors, including indicators of elevated risk in other payment accounts, are custom-weighted by the merchant for the score. | 04-03-2014 |
20140089193 | Replay Engine and Passive Profile/Multiple Model Parallel Scoring - Systems and methods for testing new profiles and rules against past transaction data in a quick manner are provided. A set of transactions is identified by a merchant based on a selection criterion that is replayed against the new profile. Results of the replay are recorded and compared against the original results obtained from applying an existing profile to the same set of transaction data. A tic-tac-toe report is generated for the merchant showing shifts in transaction results between the existing profile and the new profile. Embodiments of the invention further allow merchants to generate multiple scores, in parallel, against different transaction models using knobs or hedges. | 03-27-2014 |
20140074637 | CLOUD-BASED VIRTUAL WALLET NFC APPARATUSES, METHODS AND SYSTEMS - The CLOUD-BASED VIRTUAL WALLET NFC APPARATUSES, METHODS AND SYSTEMS (“EAE”) transform user enhanced security transaction initiation requests using EAE components into time-limited, session-specific transaction bounding tokens. In some implementations, the disclosure provides a processor-implemented method of transforming a transaction bounding token request into transaction bounded tokens and purchase authorizations. | 03-13-2014 |
20140074599 | SYSTEMS AND METHODS TO PROVIDE OFFERS VIA MULTIPLE MEDIA CHANNELS - A computing apparatus configured to target the same offer differently to users based on the media channels used to deliver the offer. The offer may include first qualification conditions formulated based on triggering events, such as the current location of a user, the current transaction of the user as being processed by a transaction handler. The offer may further include second qualification conditions not based on such triggering events. When a first set of media channels is used for offer delivery, the first qualification conditions are ignored; and the offer is delivered, via the first set of media channels, to users who satisfy the second qualification conditions. When a second set of media channels is used for offer delivery, the delivery of the offer is limited to users who satisfy both the first qualification conditions and the second qualification conditions. | 03-13-2014 |
20140074575 | SYSTEMS AND METHODS TO PROGRAM INTERACTION WITH A USER THROUGH TRANSACTIONS IN MULTIPLE ACCOUNTS - In one aspect, a computing apparatus is configured to represent offer rules based on requirements for the detection of predefined types of events and actions scheduled to be performed in response to the detection of each occurrence of the events. The events are independent from each other in processing and are linked via prerequisite conditions to formulate the requirements of an offer campaign. The computing apparatus is configured to allow a user to register a plurality of different accounts; and a transaction in a first account of the user can be used to satisfy the prerequisite conditions for the detection of a subsequent event in the offer rules corresponding to a subsequent transaction in a second account different from the first account. Thus, the user can use any of the registered accounts to generate the events anticipated by different stages of the offer rules and thus trigger the respective actions. | 03-13-2014 |
20140067503 | Systems and Methods to Identify Account Information and Customize Offers - A system and method is provided to allow a user to specify different merchant categories of transactions for offers that allow the user to receive different benefits for transactions in the respective merchant categories. | 03-06-2014 |
20140052617 | PAYMENT PLATFORM INTERFACE WIDGET GENERATION APPARATUSES, METHODS AND SYSTEMS - The PAYMENT PLATFORM INTERFACE WIDGET GENERATION APPARATUSES, METHODS AND SYSTEMS (“API-Tool”) transforms developer credentials, codes and parameter inputs via the API-Tool component into buy widgets, payment acceptance and purchase transaction outputs. In one embodiment, the API-Tool may facilitate obtaining a plurality of authentication parameters and widget customization parameters. The API-Tool may authenticate a user using a parameter derived from the plurality of authentication parameters and may dynamically generate a purchase widget for the authenticated user using the plurality of widget customization parameters. | 02-20-2014 |
20140046746 | INTERNET PAYMENT, AUTHENTICATION AND LOADING SYSTEM USING VIRTUAL SMART CARD - A system loads, authenticates and uses a virtual smart card for payment of goods and/or services purchased on-line over the Internet. An online purchase and load (OPAL) server includes a virtual smart card data base that has a record of information for each smart card that it represents for a user at the behest of an issuer. The server includes a smart card emulator that emulates a smart card by using the card data base and a hardware security module. The emulator interacts with a pseudo card reader module in the server that imitates a physical card reader. The server also includes a client code module that interacts with the pseudo card reader and a remote payment or load server. A pass-through client terminal presents a user interface and passes information between the OPAL server and a merchant server, and between the OPAL server and a bank server. | 02-13-2014 |
20140046744 | SYSTEMS AND METHODS TO APPLY VALUES FROM STORED VALUE ACCOUNTS TO PAYMENT TRANSACTIONS - A system includes a transaction handler configured to communicate with a first issuer processor to maintain a balance of a stored value account, store an offer in association with the stored value account and a consumer account that is under control of a second issuer processor, detect in the consumer account a transaction satisfying requirements of the offer, apply at least a portion of the balance of the stored value account to the transaction, determine a reduced transaction amount for the transaction after applying at least the portion of the balance of the stored value account to the transaction, and communicate with the second issuer processor for an authorization response for the transaction of the reduced transaction amount in the consumer account. | 02-13-2014 |
20140040135 | SYSTEMS AND METHODS TO DIGITALLY SIGN TRANSACTIONS - A computing apparatus is configured to collect data about the account presentation device used to initiate a transaction on a transaction terminal, data about the user using the account presentation device at the transaction terminal, and/or data about the details of the transaction. The computing apparatus combine the collected data to generate a code as a substitute of the signature of the user. | 02-06-2014 |
20140040134 | SYSTEMS AND METHODS TO PROTECT USER PRIVACY - A computing apparatus includes: a data warehouse storing first data representing a personal privacy policy of a user; a portal coupled between merchant systems and points of interaction of users; and a transaction handler coupled between acquirer processors and issuer processors. The portal and the transaction handler are configured to shield user data, such as address, account information, etc., from the merchant systems in accordance with the personal privacy policy of the user. | 02-06-2014 |
20140040127 | Virtual Wallet Card Selection Apparatuses, Methods and Systems - The VIRTUAL WALLET CARD SELECTION APPARATUSES, METHODS AND SYSTEMS (“VWCS”) transform virtual wallet card selections by users utilizing mobile devices via VWCS components into virtual wallet card-based transaction purchase notifications. In one implementation, the VWCS obtains a user authentication request for a purchase transaction, and extracts a universal card account number from it. Upon querying a database, the VWCS determines that the user has access to a virtual wallet and obtains virtual wallet card selection options for the user from the database. The VWCS provides the virtual wallet card selection options to a user mobile device, and obtains a user selection of an account included among the options. The VWCS initiates a purchase transaction using the user selection. Also, upon completion of authorization of the purchase transaction, the VWCS provides a purchase receipt to the user mobile device. | 02-06-2014 |
20140040051 | SYSTEMS AND METHODS TO ENHANCE SECURITY IN TRANSACTIONS - A system includes a digital camera coupled with or integrated within a transaction terminal to capture an image during authorization of a transaction initiated at the transaction terminal. The system further includes a portal configured to receive the image and transmit the image to a communication reference associated with the account information of an account in which the transaction is made, based on a security preference associated with the account information. The image may be optionally analyzed to detect fraudulent use of the account. | 02-06-2014 |
20140025472 | OPT IN SYSTEM AND METHOD - A financial transaction system includes a computer readable storage medium and a processor in communication with the computer readable storage medium. The processor is configured to receive a financial transaction request message from a payment device reader, and parse the financial transaction request message. The financial transaction request message includes a cardholder response to an offer to enroll in a loyalty program of a commercial entity. The processor is further configured to store the cardholder response in the computer readable storage medium. | 01-23-2014 |
20140019287 | BIDDING TO RECEIVE DATA AFTER A CONSUMER IS IN A ZONE - An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement when there has been a satisfaction of an announcement condition, such as the consumer being determined to be located within a predetermined spatial zone. The content of the announcement may, in turn, facilitate a subsequent cashless transaction for resources of merchants. Implementations describe various permutations of the content of the announcement, the announcement condition, and the announcement recipient. | 01-16-2014 |
20130346311 | Method and System For Data Security Utilizing User Behavior and Device Identification - Embodiments of the invention broadly described, introduce systems and methods for detecting the likelihood that a transaction is fraudulent using user access pattern data and device fingerprint data. One embodiment of the invention discloses a method for determining the likelihood that a payment transaction is fraudulent. The method comprises receiving user access pattern data generated by a user client computer, receiving a device fingerprint associated with the user client computer conducting a payment transaction, determining, using the user access pattern data and the device fingerprint, a likelihood that the payment transaction is fraudulent. | 12-26-2013 |
20130346264 | Systems and Methods to Identify Affluence Levels of Accounts - Systems and methods are provided to generate information indicative of the opportunity to provide offers to affluent account holders, based on transaction data recording the transactions in the accounts of the account holders. The opportunity information may not be indicative of the actual overall spending level of the account holders. The opportunity information is generated based on rankings of the respective accounts based on spending characteristics in a plurality of merchant categories, such as international travel, dining out, specialty retail, etc. | 12-26-2013 |
20130339145 | TRACKING AND SUMMARIZING PURCHASE INFORMATION - Embodiments track and summarize a user's purchasing activity. Tracking a user's purchasing activity, according to some embodiments, involves accessing user emails and payment transaction data, parsing the emails and payment transaction data to obtain relevant purchase data, and/or obtaining relevant purchase data via other channels from the user, merchants, financial institutions, and other entities. Summarizing a user's purchasing activity, according to some embodiments, involves generating a summary report organized around the user's individual purchase transactions. The summary reports, for example, help users track and manage their purchases, such as by enabling users to keep track of which items were purchased from which merchants and for how much, and whether the items have been shipped, delivered, canceled, etc. | 12-19-2013 |
20130325579 | SYSTEMS AND METHODS TO PROCESS LOYALTY BENEFITS - A system and method to provide a universal loyalty currency, facilitate exchange of loyalty benefits, and allow payments using loyalty benefits. A method includes: receiving registration information to associate account information of a payment account with at least one loyalty account to enable conversion of first loyalty benefits to second loyalty benefits; receiving, for a transaction, an authorization request identifying the account information and requesting the use of the second loyalty benefits to fund at least a portion of the transaction; and processing the transaction using the second benefits converted from the first loyalty benefits hosted in the loyalty account and funds from the payment account. | 12-05-2013 |
20130282461 | SYSTEMS AND METHODS TO USE TRANSACTION AUTHORIZATION COMMUNICATIONS TO PROCESS OFFERS - A system includes a transaction handler, a data warehouse storing data associating offers and consumer accounts, a transaction handler coupled with the data warehouse, and a transaction terminal configured to submit authorization requests to the transaction handler via an acquirer processor. After receiving account information identifying a consumer account for a payment transaction, the transaction terminal generates a first authorization request identifying the consumer account. The transaction handler identifies offer information relevant to the payment transaction and provides an authorization response containing the offer information, prior to communication with an issuer processor for the payment transaction. In response to the offer information provided in the authorization response, the transaction terminal modifies the first authorization request to generate a second authorization request, in response to which the transaction handler communicates with the issuer processor for the payment transaction. | 10-24-2013 |
20130268333 | SYSTEMS AND METHODS TO PROCESS TRANSACTIONS AND OFFERS VIA A GATEWAY - A system, configured to integrate the processing of transactions and offers applicable to the transactions, includes: a data warehouse storing an offer in association with a financial payment account; a gateway configured to receive an authorization request that is transmitted from a transaction terminal without going through an acquirer processor, the gateway coupled with the data warehouse to determine whether the offer is applicable to the authorization request and if so, apply a benefit of the offer to the authorization request; and a transaction handler coupled with the gateway to process the authorization request submitted from the gateway, provide an authorization response corresponding to the authorization request, and communicate with the acquirer processor to credit funds according to the authorization request to a merchant account associated with the transaction terminal. | 10-10-2013 |
20130254008 | SYSTEMS AND METHODS TO APPLY BENEFIT OF OFFERS - To automate the redemption of offer benefits, data associating offers and payment accounts is stored in the data warehouse of a first transaction handler. If a payment account to which an offer is associated is in the payment processing network of a second transaction handler separate from the first transaction handler, the system uses a payment processor that is in both the payment processing network of the first transaction handler and the payment processing network of the second transaction handler to communicate with the first transaction handler to detect the authorization request in the payment account that satisfies the benefit redemption requirements of the respective offer and apply the offer benefit to the transaction when the authorization request is detected. | 09-26-2013 |
20130254004 | COUPON BEARING SPONSOR ACCOUNT TRANSACTION AUTHORIZATION - A transaction handler receives, for forwarding to a sponsor account's issuer, a coupon authorization request message from a merchant's acquirer that identifies the sponsor account and a coupon for an item being purchased by a consumer in a transaction with the merchant. The issuer determines eligibility of the coupon for use by the consumer, and sends an authorization response message to the merchant via its acquirer and the transaction handler for the application of a corresponding discount for the item when the coupon is eligible. One or more coupon eligibilities for the purchase of the item by the consumer from the merchant can be derived from comparisons of the transaction to predetermined times, geographies, jurisdictions, sets of merchants, and/or the number of times that coupons have been used in other transactions. The transaction handler can further process the transaction for authorization the consumer's account to pay of the transaction. | 09-26-2013 |
20130246273 | SYSTEMS AND METHODS TO GENERATE A RECEIPT FOR A TRANSACTION - A system includes a transaction terminal that is configured to examine an authorization response for an indicator, which, when set, causes the transaction terminal to communicate with a portal to obtain content relevant to the receipt for the transaction approved by the authorization response. The content may identify the benefit of an offer applied to the transaction, which is not reflected in the authorization response. The content may direct the user to select an option regarding the delivery of the receipt. Options presented for selection include suppression of the printing of the paper receipt in favor of an electronic receipt transmitted to a communication reference of the user, printing a mini paper receipt in addition to transmitting an electronic receipt, and/or printing the full paper receipt at the transaction terminal. | 09-19-2013 |
20130246150 | SYSTEMS AND METHODS TO APPLY THE BENEFIT OF OFFERS VIA A TRANSACTION HANDLER - A system includes a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing an account holder, into separate transactions with the issuer processor and at least one sponsor processor that is configured to provide the benefit of offers to applicable transactions. A portal is configured to notify the account holder of the award/redemption of the benefit of an offer using a communication channel separate from the transaction terminal that initiates and approves the transaction between the account holder and the merchant. | 09-19-2013 |
20130238413 | SYSTEMS AND METHODS TO PROCESS OFFERS VIA MOBILE DEVICES - A mobile device is configured with a mobile application to direct a user to a location of more interest to the user based on benefits of offers provided to the user. The mobile application may be configured to capture an image of an offer presented in an advertisement via a digital camera, identify the offer from the image, and store data associating the offer with one or more accounts of the user. The mobile application is configured to present information to suggest a direction of travel to the user for improved opportunities to take advantage of the offers. | 09-12-2013 |
20130231974 | SYSTEMS AND METHODS TO QUANTIFY CONSUMER SENTIMENT BASED ON TRANSACTION DATA - A computing apparatus is configured to quantify consumer sentiment at an aggregated or micro level using transaction data that records the transactions processed by a transaction handler of a payment system. A quantification model is generated based on correlating transaction data with respective emotional content indices extracted from data sources, such as regional news, weather, stock markets, movie themes, local sports, employment, traffic conditions, etc. Using the quantification model, consumer sentiment can be evaluated at various granularity levels, based on the granularity of the user group and the time period of the transaction data used in the quantification model. | 09-05-2013 |
20130218682 | DIGITAL CONCIERGE APPLICATION - Embodiments of the invention are directed to methods, systems, and apparatuses for providing digital concierge services through a portable electronic device. The digital concierge may be provided through an application installed on a portable electronic device configured to contact a concierge service, provide filtered and relevant offers, and provide ATM location services for users as they travel. One embodiment is directed to a method comprising determining a location of a portable electronic device, receiving concierge data associated with the user, filtering a plurality of offers according to the location of the portable electronic device and the concierge data associated with the user, sorting the plurality of offers according to their offer data, and presenting the plurality of offers in a layered interactive stack of content that allows a user to recognize the type of offer content and a number of offers in the plurality of offers. | 08-22-2013 |
20130218670 | SYSTEMS AND METHODS TO PROCESS AN OFFER CAMPAIGN BASED ON INELIGIBILITY - In one aspect, a computing apparatus is configured to represent offer rules based on requirements for the detection of predefined types of events and actions scheduled to be performed in response to the detection of each occurrence of the events. The events are independent from each other in processing and are linked via prerequisite conditions and/or ineligibility conditions to formulate the requirements of an offer campaign. In one embodiment, the ineligibility of a user, participating in the offer campaign, to meet the requirements of a first event leads to the monitoring of a second event that has a prerequisite condition formulated based on the ineligibility of the user to meet the requirements of the first event; and the second event provides an alternative path within the offer campaign when the user cannot meet the requirements of the first event. | 08-22-2013 |
20130218664 | SYSTEMS AND METHODS TO PROVIDE AND ADJUST OFFERS - In one aspect, a computing apparatus is configured to allow merchants to initiate offers in an offer campaign based on a spending pattern specified by the merchant, such as the lack of transactions in a predetermined period of time of the day, in a recent time period, and/or in a particular merchant category. The offer campaign can be adjusted between offer delivery/announcement and fulfillment for a limited time period. The benefit of a further purchase may be announced via a message scheduled to be transmitted in response to an event identifying the arrival of a particular time instance, in response to a qualification notification of a transaction satisfying the requirements of a purchase event required in the offer campaign, or in response to the detection of a required spending pattern. | 08-22-2013 |
20130218641 | Financial Account Segmentation System - Disclosed is a method and system for optimizing an existing customer financial product account database for a financial institution. A customized product segmentation strategy based at least on the financial product account database identifies opportunities to cross-sell new credit and debit products, and increase the usage of credit and debit products among existing customers. | 08-22-2013 |
20130212487 | Dynamic Page Content and Layouts Apparatuses, Methods and Systems - The DYNAMIC PAGE CONTENT AND LAYOUTS APPARATUSES, METHODS AND SYSTEMS (“DPCL”) transform dynamic layout template requests and layout usage monitor packages using DPCL components into customized dynamic layouts. In some implementations, the disclosure provides a processor-implemented method of transforming the content of an electronically generated user facing page for displaying on a user display. | 08-15-2013 |
20130211987 | SYSTEMS AND METHODS TO PROVIDE ACCOUNT FEATURES VIA WEB SERVICES - Systems and methods configured to use a set of web services to facilitate the management, administration, and fulfillment of account features assigned on the basis of individual payment accounts. The web services include a service configured to query for account features assigned to a specific account, a service configured to query for account features available to a specific account, a service configured to query for disclosure material relevant to an account feature assigned to a specific account, a service configured to submit user acceptance of terms and conditions of an account feature by an account holder of a specific account, and a service configured to request assignment of an account feature to a specific account. The web services allow a third party to build customized applications to manage account features for assignment and fulfillment, based on a set of centralized and secured account feature data. | 08-15-2013 |
20130204703 | SYSTEMS AND METHODS TO PROCESS REFERRALS IN OFFER CAMPAIGNS - In one aspect, a computing apparatus is configured to represent offer rules based on requirements for the detection of predefined types of events, and actions scheduled to be performed in response to the detection of each occurrence of the events. The events are processed independently from each other and are linked via prerequisite conditions to formulate the requirements of an offer campaign. In one embodiment, the requirements for the detection of the events are specified based on predetermined types of events, including a first type for an event specified for interaction with a first user when the first user performs an action as a result of a referral from a second user, and a second type for an event specified for interaction with the second user in response to the first user performing the action. | 08-08-2013 |
20130197991 | SYSTEMS AND METHODS TO PROCESS PAYMENTS BASED ON PAYMENT DEALS - In one aspect, an account identifier is associated with a deal purchased by a user from a deal site. The deal has a face value applicable to a transaction with a predetermined merchant, if the transaction satisfies one or more predetermined criteria. The user pays the deal site an amount smaller than the face value. When the account identifier is used at a transaction terminal to initiate a payment transaction, a transaction handler determines whether the payment transaction satisfies the one or more predetermined criteria; and if so, the transaction handler provides the transaction terminal with an authorization response identifying the remaining balance, which is determined by deducting the face value from the payment transaction. The account identifier may be a one-time account number generated specifically for the deal purchased by the user, or an account number of the user used to purchase the deal from the deal site. | 08-01-2013 |
20130191223 | SYSTEMS AND METHODS TO DETERMINE USER PREFERENCES FOR TARGETED OFFERS - A computing apparatus is configured to use a dynamic questionnaire, designed based on the spending patterns identified in the transaction data of a plurality of accounts, to determine the spending preferences of a user in accordance with the answers to the dynamic questionnaire and the spending patterns. Offers are customized for and targeted to the user based on the spending preferences of the user. | 07-25-2013 |
20130191213 | SYSTEMS AND METHODS TO FORMULATE OFFERS VIA MOBILE DEVICES AND TRANSACTION DATA - A computing apparatus is configured to formulate and adjust offers to users of mobile devices that are configured to capture identification information of products, such as UPC codes. The transaction data of the user, the activities of the user capturing the identification information of products, the location of the user, and the user's reactions to the offers are used to incrementally adjust the offers according to offer rules specified by the merchants. The mobile devices can be used to initiate a checkout process for purchasing items identified by the captured identification information of the products from the physical retail store at which the user is currently located, or via an online store associated with an offer presented via the mobile device. | 07-25-2013 |
20130191198 | SYSTEMS AND METHODS TO REDEEM OFFERS BASED ON A PREDETERMINED GEOGRAPHIC REGION - A computing apparatus is configured to store an offer provided to a plurality of users. The offer has a set of requirements to be met for a benefit, such as one or more purchase requirements, and a presence requirement formulated based on a time period, a geographic region, and a user limit. A user is determined to meet the presence requirement when the user is identified to be within the geographic region at a time during the time period before the current number of users who meet the presence requirement exceeds the user limit. The computing apparatus is configured to identify users who meet the presence requirement and monitor transactions in the financial payment accounts of such users to identify accounts that satisfy the purchase requirements, and configured to provide the benefit of the offer to the respective accounts that satisfy the set of requirements of the offer. | 07-25-2013 |
20130191195 | SYSTEMS AND METHODS TO PRESENT AND PROCESS OFFERS - A user interface is provided to present offers via icons displayed near the location of the user on a map. Offers presented on the map may include active offers previously selected by the user and currently associated with the consumer account of the user for active participation, matching offers that have a set of targeting criteria which the user meets, and location-based offers that target locations in the vicinity of the location of the user. Icons for the location-based offers are presented at their respective targeting locations; and the active offers and matching offers are presented around the location of the user on the map for convenient access. A user interface allows the user to explore available offers, view information associated with the respective offers, and select offers in which to participate. | 07-25-2013 |
20130179201 | SYSTEMS AND METHODS TO OPTIMIZE MEDIA PRESENTATIONS TO A SEATED AUDIENCE - A computing apparatus is configured to customize media presentation on a display device positioned in the vicinity of a plurality of seats positioned within an access-controlled seating area. The display device is configured to serve media content to users seated in the seats, based on an aggregated spending profile of the users in the seats. The users occupying the seats may be identified via the tickets purchased using account information of the users, via the users checking into the seating area using the account information of the users or the tickets purchased using the account information of the users, and/or via transactions of the users for purchases made by the users within the area or for in-seat purchases. | 07-11-2013 |
20130166365 | Systems and Methods to Provide Messages in Real-Time with Transaction Processing - In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests. | 06-27-2013 |
20130159184 | SYSTEM AND METHOD OF USING LOAD NETWORK TO ASSOCIATE PRODUCT OR SERVICE WITH A CONSUMER TOKEN - Systems, devices, apparatuses, and methods for conducting a transaction in which a consumer purchases a product or a service by providing payment to a merchant whom is not the provider of the product or service. The invention permits a consumer to present cash or a payment device (such as a credit card or debit card) to a merchant, where that merchant may be an element of a load network or payment processing network. In a typical load network transaction, the merchant would accept the cash or payment device from the consumer and use the funds provided to “load” or recharge an account of the consumer. However, instead of this use of the network, embodiments of the invention operate to allow the consumer to provide the source of payment to the merchant for a product or service offered by a third party which is accessed by the consumer using a consumer token. | 06-20-2013 |
20130151388 | SYSTEMS AND METHODS TO IDENTIFY AFFLUENCE LEVELS OF ACCOUNTS - Systems and methods are provided to generate information indicative of the opportunity to provide offers to affluent account holders, based on transaction data recording the transactions in the accounts of the account holders. The opportunity information may not be indicative of the actual overall spending level of the account holders. The opportunity information is generated based on rankings of the respective accounts based on spending characteristics in a plurality of merchant categories, such as international travel, dining out, specialty retail, etc. | 06-13-2013 |
20130151323 | SYSTEMS AND METHODS FOR FACILITATING ISSUANCE AND REDEMPTION OF A REWARD - A computing apparatus is configured to receive, from a transaction handler of a payment network, an authorization request for a payment transaction. The authorization request identifies a full transaction amount, as well as information identifying the merchant and the cardholder involved in the transaction. The computing apparatus is configured to determine the cardholder's eligibility to receive a reward based on information provided in the authorization request, as well as offer information stored in association with the account information of the cardholder. When the cardholder is eligible for a reward, the computing apparatus deducts a reward amount from the transaction amount to authorize a partial amount for the transaction and provides a partial authorization response for the payment transaction. The partial authorization response may optionally include a description of the offer, the reward and/or an identifier of the offer. | 06-13-2013 |
20130124417 | SYSTEMS AND METHODS TO PROVIDE GENERALIZED NOTIFICATIONS - A computing apparatus is configured to generate a generalized message to report information about an event, such as the processing of an authorization request or a settlement request for a transaction made using a consumer account of a user, to an aggregator, which is configured to further process the generalized message to provide services to the user, such as providing customized notification to the user, providing offers to the user, redeeming coupons or loyalty currency for the user, etc. | 05-16-2013 |
20130124287 | SYSTEMS AND METHODS TO PROVIDE DISCOUNT AT POINT OF SALES TERMINALS - A system and method configured to use a transaction handler to modify the transaction amount of a transaction between an acquirer processor and an issuer processor, during the processing of the authorization of the transaction, in accordance with an offer that is applicable to the transaction to apply the benefit of the offer to the transaction and to provide information of the offer as applied to the transaction in the authorization response transmitted to the acquirer processor. | 05-16-2013 |
20130124273 | Systems and Methods for Customer Loyalty Program - As a customer conducts qualifying transactions with a participating merchant within a group of merchants, the customer accumulates reward points which can be redeemed at any participating merchant within the group at the time of redemption. A promotion/award determination engine and associated database track the points. A redemption engine is coupled to the database for the redemption of the points. | 05-16-2013 |
20130124263 | Systems and Methods to Summarize Transaction data - A computing apparatus is configured to summarize transaction data via aggregating transactions according to geographical regions (e.g., based on postal codes) for a plurality of merchant categories, normalize the aggregated spending across the merchant categories for each geographical region, rank the regions for each category based on the normalized spending, generate percentile indicators based on the ranking result, and generate spending indices that are proportional to the normalized spending within each category. The spending indices and percentile indicators of a geographical region across the set of merchant categories represent a spending profile of the region. The spending profile is indicative of the spending preferences of the region but does not reveal the actual spending amounts of any individual, family or region. The spending profile can be used in targeted advertising, and in measuring advertisement audience and campaign performance. | 05-16-2013 |
20130091000 | Systems and Methods to Provide Discount at Point of Sales Terminals - A system and method includes a transaction handler configured to modify the transaction amount, in the authorization request or the authorization response of a transaction, in accordance with an offer that is applicable to the transaction to apply the benefit of the offer to the transaction. | 04-11-2013 |
20130085869 | Systems and Methods to Provide a User Interface to Control an Offer Campaign - In one aspect, a computer implemented method is provided for the provision, on a computing apparatus, of a user interface configured via a portal to permit a merchant to define an offer campaign. The offer has a plurality of milestones required to be met in order to provide a benefit to a user. The computing apparatus may be further configured to associate the offer with a user, detect the progress of the user toward the milestone, and transmit a message to the user regarding the user's progress toward the milestone. | 04-04-2013 |
20130073859 | SYSTEMS AND METHODS TO SECURE USER IDENTIFICATION - In one aspect, a computing apparatus is configured to verify a digital signature applied on a set of data received from a user device, including an user ID assigned by a partner system to uniquely identify a user of the user device among customers of the partner system, and a user device identifier identifying the user device. The digital signature is generated via applying a cryptographic one-way hash function on a combination of the set of data and a secret, shared between the computing apparatus and the partner system via a secure communication channel separate from a channel used to receive the set of data. | 03-21-2013 |
20130073464 | SYSTEMS AND METHODS TO COMMUNICATION VIA A MERCHANT AGGREGATOR - 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. | 03-21-2013 |
20130066771 | Systems and Methods to Configure Data for Diverse Services - A computing apparatus includes: a transaction handler configured to process payment transactions; a data warehouse coupled with the transaction handler to store transaction data recording the payment transactions processed by the transaction handler; and a portal coupled with the data warehouse to store non-transaction data associated with the transaction data. The portal is further configured to receive input from account holders to specify personalization data and to store the personalization data in the data warehouse to tag the non-transaction data. The personalization data controls the access to the non-transaction data tagged with the personalization data. | 03-14-2013 |
20130046670 | SYSTEM AND METHOD FOR MANAGING ENHANCEMENT FEATURES ASSIGNED TO FINANCIAL PRESENTATION DEVICES - A system for managing enhancement features assigned to financial presentation devices such as credit cards. The system includes an accounts database and a feature management module. The accounts database stores account holder data containing assigned enhancement features for associated credit cards. The feature management module is capable of updating and managing the assigned features of an individual credit card independently of other cards so as to provide enhancement features that can be customized for each individual cardholder. | 02-21-2013 |
20130046607 | SYSTEMS AND METHODS TO COMMUNICATE OFFER OPTIONS VIA MESSAGING IN REAL TIME WITH PROCESSING OF PAYMENT TRANSACTION - In one aspect, a computing apparatus is configured to facilitate the redemption of loyalty currency in a payment transaction via facilitating awareness of the payment transaction, managing the consumer segmentation and offering promotions, validating available points currency, managing a currency value exchange rate, applying deductions to consumer currency balance, facilitating consumer reimbursement, invoicing for currency exchange, and/or providing consumer engagement. | 02-21-2013 |
20130024307 | 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. | 01-24-2013 |
20130013509 | METHOD AND SYSTEM FOR PROCESSING MICROPAYMENT TRANSACTIONS - Methods and systems for performing micropayment transactions over communication networks is provided. These methods and systems enable ubiquitous micropayments by providing a seamless payment solution in which micropayment is one of a plurality of payments facilitated. In an embodiment, the transaction value may be compared to a predefined threshold, and processed as a micropayment if said value is less than said threshold, and otherwise processed using a second processing system. In another embodiment, the transaction may be processed as a micropayment if the payee has previously been verified by the micropayment processing system. In a third embodiment, the transaction takes place using the payee's website. | 01-10-2013 |
20130013494 | PEER-TO-PEER AND GROUP FINANCIAL MANAGEMENT SYSTEMS AND METHODS - This relates to transferring funds from a payer to a payee in a electronic payment system. The electronic payment system includes a payment processor and an accounts database. The payment processor receives a payment request from the payer. The payment request includes information to identify the payee and a payment amount. An accounts database is accessed to determine if the accounts database includes an account associated with the payee. Based on a determination that the accounts database includes an account associated with the payee, an electronic message is sent from the payment processor to the payee, to notify the payee of the payment request. The accounts database is accessed to determine if the payee is identified as having a trusted relationship with the payer. | 01-10-2013 |
20120310838 | LOCAL USAGE OF ELECTRONIC TOKENS IN A TRANSACTION PROCESSING SYSTEM - A method for the use of electronic transactional tokens includes: generating a plurality of transactional tokens including a first token; associating each of the transactional tokens with a plurality of users, the first token associated with a first user; monitoring usage of the transactional tokens in a plurality of transactions in a local region or network; and in response to receiving transactional data for the first transaction, updating the first token from a first state to a second state (e.g., to provide a benefit when the token is applied in the local region or network). The tokens may be generated and monitored using a token processing system, which uses transaction data received by a transaction handler that is handling transaction processing for the transactions. | 12-06-2012 |
20120310831 | REPUTATION MANAGEMENT IN A TRANSACTION PROCESSING SYSTEM - A method includes: receiving information regarding a plurality of completed transactions from a plurality of users; receiving a query from a first user regarding a proposed transaction; determining at least one affinity between the first user and the plurality of users based on the information; determining a ranking or expectation of success for each of a plurality of potential entities for the proposed transaction based on the at least one affinity; selecting a plurality of selected entities based on the ranking or expectation of success for each of the potential entities; and sending, in response to the query, the plurality of selected entities to the first user. | 12-06-2012 |
20120271770 | MANAGING ELECTRONIC TOKENS IN A TRANSACTION PROCESSING SYSTEM - A method for the use of electronic transactional tokens includes: generating transactional tokens including a first token; associating each of the transactional tokens with one of a group of users; monitoring usage of the transactional tokens in a multitude of transactions by the users; and responsive to the monitoring, updating the first token from a first state to a second state. The tokens may be generated and monitored using a token processing system, which uses transaction data received by a transaction handler that is handling transaction processing for the transactions. | 10-25-2012 |
20120271691 | SYSTEMS AND METHODS TO PROVIDE OFFER COMMUNICATIONS TO USERS VIA SOCIAL NETWORKING SITES - Systems and methods to integrate offer processing in a social networking environment. A computing apparatus includes: a data warehouse configured to store data associating a social networking account of a user with a financial payment account of the user; a portal configured to provide an offer to the user of the social networking account and to store data associating the offer with the financial payment account; a transaction handler configured to monitor transactions in the financial payment account of the user and detect a transaction that satisfies a set of requirements of the offer, when an authorization request for the transaction is being processed by the transaction handler; a message broker configured to generate a message in response to the transaction being detected; and a media controller coupled with the message broker to communicate the message to a social networking site. | 10-25-2012 |
20120254020 | TRANSACTION PROCESSING ENTITY DEVICE SUPPORT OF AN INTEGRATED OFFER NETWORK - A method begins by generate, for each of a plurality of merchant devices, an offer data file to produce a plurality of offer data files. The method continues by: compiling, for one issuer device, an options data file for a group of credit cards based on at least one of the plurality of offer data files; transmitting the options data file to the issuer device; receiving, from the issuer device, at least one selection from the options data file to produce an options program file for the group of credit cards; receiving, from a card holder device associated with one of the group of credit cards, a selection of at least one option from the options program file to produce at least one selected option; and processing transactions of the one of the group of credit cards in accordance with the at least one selected option. | 10-04-2012 |
20120253914 | UNIVERSAL LOYALTY PROGRAM DEVICE - A universal loyalty device (e.g., fob) associated with multiple loyalty programs. The universal loyalty fob could be in the form of a card, or another form factor. A user may register several existing loyalty programs/cards and payment cards with the universal loyalty fob, which can be scanned at a POS terminal. A third party may manage all the loyalty data through the universal loyalty fob, and may provide real-time discounts at the POS terminal. The universal loyalty fob may also be used to redeem points or rewards towards a purchase. Additionally, all recorded purchase and loyalty data may be made available to participating merchants. This data may be used to evaluate competitor merchants' market share or evaluate the efficacy of specific merchants' loyalty programs. | 10-04-2012 |
20120239565 | Internet Payment, Authentication and Loading System Using Virtual Smart Card - A system loads, authenticates and uses a virtual smart card for payment of goods and/or services purchased on-line over the Internet. An online purchase and load (OPAL) server includes a virtual smart card data base that has a record of information for each smart card that it represents for a user at the behest of an issuer. The server includes a smart card emulator that emulates a smart card by using the card data base and a hardware security module. The emulator interacts with a pseudo card reader module in the server that imitates a physical card reader. The server also includes a client code module that interacts with the pseudo card reader and a remote payment or load server. A pass-through client terminal presents a user interface and passes information between the OPAL server and a merchant server, and between the OPAL server and a bank server. | 09-20-2012 |
20120239479 | Systems and Methods to Combine Transaction Terminal Location Data and Social Networking Check-In - A system and method configured to provide enhanced services based on check-in information obtained in a social network system and transaction location information observed in a payment processing system. In one aspect, the transaction location may be used to validate, verify or authenticate the check-in location declared in the social network system. In another aspect, the transaction location can be used as a basis to automate a check-in in the social network system in accordance with a preference of a user. In a further aspect, the transaction location and the check-in location can be correlated to detect inaccurate data, correct the inaccurate data, and/or augment the data in a data warehouse about the locations of transaction terminals. | 09-20-2012 |
20120215610 | Systems and Methods to Facilitate Offer Sharing - A computing apparatus is configured to use the transaction data of a user and the transaction data of the friends of the user to generate a profile to identify, select, and/or customize an offer that is initially communicated to the user. The offer is shareable by the user with the friends of the user. The computing apparatus is configured to monitor the transactions of the user and/or the friends of the user to detect a transaction that satisfies the redemption requirement of the offer and thus provide the benefit of the offer to the purchaser involved in the transaction, which may be the user or one of the friends of the user. | 08-23-2012 |
20120191525 | Systems and Methods to Facilitate Loyalty Reward Transactions - A communications system for financial transactions, such as payment transactions made via credit accounts, debit accounts, prepaid accounts, bank accounts, stored value accounts and the like, is enhanced and/or used to support reward transactions. Thus, the reward communications can be processed as transactions over the communications system in a way similar to and/or together with credit/debit transactions. | 07-26-2012 |
20120136795 | Smart Card Loading Transactions Using Wireless Telecommunications Network - Smart card transactions allow consumers to load value onto and make purchases using smart cards with a mobile telephone handset over the telecommunications network. To load the smart card, the handset receives a request to load value. The handset generates a funds request message and sends the message to a funds issuer computer that debits a user account. Next, the handset authenticates the smart card and receives a response message including approval to load. The handset validates the response and loads the value onto the smart card. For payment, the handset sends an order request message to the merchant server computer, and in return receives a purchase instruction message. The handset processes the message locally, and sends a draw request message to a payment server computer. The payment server computer sends an approval to debit the smart card. The handset validates the approval and debits the smart card. | 05-31-2012 |
20120136704 | Systems and Methods to Reward User Interactions - In one aspect, a system includes a transaction handler, a data warehouse to store transaction data recording transactions processed at the transaction handler and to store account data identifying an account of a user, and a portal to receive a user selection of a first portion of an advertisement announcing a reward. The portal is to track user interactions associated with the advertisement to determine whether the user is qualified for the reward. Upon a determination that the user has completed the user interactions for the reward, the transaction handler is to provide the reward to the account of the user via statement credit. | 05-31-2012 |
20120109749 | Systems and Methods to Provide Recommendations - In one aspect, a computing apparatus stores in a computer readable storage media transaction data related to a plurality of payment card transactions processed at a transaction handler for a group of accounts. Based on the transaction data and user feedback, such as ratings and comments, the computing apparatus computes preference scores to rank merchants and to provide recommendations or suggestions to users of the account group based on the preference scores, such as suggesting hotels or restaurants to business travelers of a company based on spending amount and frequency derived from the transaction data of the corporate credit card accounts of the company. | 05-03-2012 |
20120109730 | Systems and Methods to Provide Messages in Real-Time with Transaction Processing - In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests. | 05-03-2012 |
20120078701 | Systems and Methods to Provide Services Based on Transaction Activities - Systems and methods are provided to structure services in tiers and provide services as rewards in accordance with the tiers. In one aspect, a system stores information identifying an account holder's account and information identifying features that are associated with the account. Account features include a plurality of services that are organized in tiers and any given tier determines the benefits the account holder is entitled to in connection with a set of services associated with the account feature. The account holder's account is associated with an original tier and the system monitors subsequent transactions to determine a tier that the user is entitled to based on the transactions. The tier includes all of the services that the user was previously entitled to in addition to any new services associated with a tier change. | 03-29-2012 |
20120078699 | Systems and Methods to Program Operations for Interaction with Users - In one aspect, a computing apparatus is configured to represent offer rules based on requirements for the detection of predefined types of events and actions scheduled to be performed in response to the detection of each occurrence of the events. The events are independent from each other in processing and are linked via prerequisite conditions to formulate the requirements of an offer campaign. | 03-29-2012 |
20120078697 | Systems and Methods to Program Operations for Interaction with Users - In one aspect, a computing apparatus is configured to represent offer rules based on requirements for the detection of predefined types of events and actions scheduled to be performed in response to the detection of each occurrence of the events. The events are independent from each other in processing and are linked via prerequisite conditions to formulate the requirements of an offer campaign. | 03-29-2012 |
20120072997 | Systems and Methods to Modify Interaction Rules During Run Time - In one aspect, a computing apparatus is configured to represent offer rules based on requirements for the detection of predefined types of events and actions scheduled to be performed in response to the detection of each occurrence of the events. The events are independent from each other in processing and are linked via prerequisite conditions to formulate the requirements of an offer campaign. The computing apparatus is configured to store data indicating the completion statuses of the events and process the events, including the scheduled actions, if any, in an atomic way. Thus, the offer rules can be changed on-the-fly during run time execution by the computing apparatus. | 03-22-2012 |
20120066131 | MONEY TRANSFER SERVICE WITH AUTHENTICATION - A bank (or merchant) hosts and operates an online money transfer service (or “portal”). A sender logs into the portal and enters payment card and money transfer details and then submits the transaction. An authentication window appears displaying the sender's transaction details and the sender is prompted to enter his or her password. Upon successful authentication, the bank seeks authorization from the card issuer. Upon successful authorization, the bank credits the recipient's local bank account or existing payment card. The recipient can also receive a check, a draft, a prepaid card or cash. The money transfer service is used both cross-border and domestic to effect person-to-person money transfer. The money transfer service uses the “Verified by Visa” authentication service and VisaNet for authorization. Messages over VisaNet are used to deliver funds to a recipient. | 03-15-2012 |
20120066130 | DATA AUTHENTICATION AND PROVISIONING METHOD AND SYSTEM - Techniques for authenticating the identity and validating the profile of an individual (“a presenter”) who presents him or herself to another party (“an acceptor”) as having a certain identity and having certain corresponding profile data are described. The invention can be advantageously used in Internet transactions where such authentication and validation is difficult to perform. The techniques of the present invention allow the trusted party to give a definitive answer regarding the authentication of identity and validity of profile data. Other services such as profile data provisioning and profile data updating can also be performed. | 03-15-2012 |
20120066129 | DATA AUTHENTICATION AND PROVISIONING METHOD AND SYSTEM - Techniques for authenticating the identity and validating the profile of an individual (“a presenter”) who presents him or herself to another party (“an acceptor”) as having a certain identity and having certain corresponding profile data are described. The invention can be advantageously used in Internet transactions where such authentication and validation is difficult to perform. The techniques of the present invention allow the trusted party to give a definitive answer regarding the authentication of identity and validity of profile data. Other services such as profile data provisioning and profile data updating can also be performed. | 03-15-2012 |
20120066124 | MONEY TRANSFER SERVICE WITH AUTHENTICATION - A bank (or merchant) hosts and operates an online money transfer service (or “portal”). A sender logs into the portal and enters payment card and money transfer details and then submits the transaction. An authentication window appears displaying the sender's transaction details and the sender is prompted to enter his or her password. Upon successful authentication, the bank seeks authorization from the card issuer. Upon successful authorization, the bank credits the recipient's local bank account or existing payment card. The recipient can also receive a check, a draft, a prepaid card or cash. The money transfer service is used both cross-border and domestic to effect person-to-person money transfer. The money transfer service uses the “Verified by Visa” authentication service and VisaNet for authorization. Messages over VisaNet are used to deliver funds to a recipient. | 03-15-2012 |
20120066065 | Systems and Methods to Segment Customers - In one aspect, a computing apparatus includes: a data warehouse configured to store transaction data, geo-demographic data, attitudinal data and lifestyle data of a plurality of customers; a profile generator coupled with the data warehouse to determine a profile for each respective customer of the plurality of customers, the profile including at least one profile parameter to cluster customers based on the transaction data, the geo-demographic data, the attitudinal data and the lifestyle data; and a segment detector coupled with the data warehouse to segment the plurality of customers in a space having at least one first dimension corresponding to the at least one profile parameter, a second dimension for a value score indicative of a level of profitability value of each respective customer, and a third dimension for a current status of each respective customer in connection with a goal. | 03-15-2012 |
20120066064 | Systems and Methods to Provide Real-Time Offers via a Cooperative Database - In one aspect, a computing apparatus is configured to: store transaction data recording transactions processed by a transaction handler; organize third party data according to community, where the third party data includes first data received from a first plurality of entities of a first community and second data received from a second plurality of entities of a second community; and responsive to a request from a merchant in the second community, present an offer of the merchant in the second community to users identified via the transaction data and the first data received from the first plurality of entities of the first community. In one embodiment, the first data provides permission from the merchant in the first community to allow the merchant in the second community to use intelligence information of the first community to identify users for targeting offers from the merchant in the second community. | 03-15-2012 |
20120059702 | Systems and Methods to Rank and Select Triggers for Real-Time Offers - In one aspect, a computing apparatus is configured to receive an input specifying a set of users, identify a set of triggers, each of which corresponds to a set of one or more conditions which when satisfied cause transmission of a message to the set of users, rank the triggers based at least in part on transaction data of the users that was recorded by a transaction handler, and generate a ranked list of the triggers based on the ranking. | 03-08-2012 |
20120030006 | Systems and Methods to Optimize Media Presentations using a Camera - In one aspect, a computing apparatus is configured to: capture first images of customers who have watched a digital sign, using a digital camera attached to the digital sign positioned in vicinity of a retail location; identify characteristics of the customers based on the first images; identify, using the characteristics, a subset of customers who have made payment transactions at the retail location through a transaction handler; determine an aggregated spending profile based on transactions of the subset of customers recorded by the transaction handler; and arrange content on the digital sign based on the aggregated spending profile. The computing apparatus may be further configured to capture second images of the customers who have made payment transactions at the retail location through the transaction handler, using a digital camera attached to a point of sale (POS) station at the retail location, and to correlate the first and second images to identify the subset. | 02-02-2012 |
20120022945 | Systems and Methods to Identify Payment Accounts Having Business Spending Activities - Systems and methods are provided to generate tools to evaluate the probability of an account being actually used by a business rather than an individual. In one aspect, a computing apparatus includes: a data warehouse configured to store transaction data of accounts issued by a plurality of issuers; and at least one processor configured to calculate values of a first plurality of variables for each of the accounts using the transaction data of the accounts issued by the plurality of issuers. The accounts include business accounts and non-business accounts. The at least one processor is further configured to identify a second plurality of variables from the first plurality of variables for a classification model to distinguish, using the values and logistic regression, the business accounts from the non-business accounts. | 01-26-2012 |
20110125638 | Internet Payment, Authentication And Loading System Using Virtual Smart Card - A system loads, authenticates and uses a virtual smart card for payment of goods and/or services purchased on-line over the Internet. An online purchase and load (OPAL) server includes a virtual smart card data base that has a record of information for each smart card that it represents for a user at the behest of an issuer. The server includes a smart card emulator that emulates a smart card by using the card data base and a hardware security module. The emulator interacts with a pseudo card reader module in the server that imitates a physical card reader. The server also includes a client code module that interacts with the pseudo card reader and a remote payment or load server. A pass-through client terminal presents a user interface and passes information between the OPAL server and a merchant server, and between the OPAL server and a bank server. The Internet provides the routing functionality between the client terminal and the various servers. A merchant advertises goods on a web site. A user uses the client terminal to purchase goods and/or services from the remote merchant server. The payment server processes, confirms and replies to the merchant server. The payment server is also used to authenticate the holder of a virtual card who wishes to redeem loyalty points from a merchant. To load value, the client terminal requests a load from a user account at the bank server. The load server processes, confirms and replies to the bank server. | 05-26-2011 |
20110055057 | RETURN PAYMENT CARD PROCESS - A payment card returned as undeliverable is processed with a card administration system that responds to the return of the payment card by setting a “returned” indicator in a data record of a cardholder to whom the payment card was intended for delivery, and otherwise maintains the cardholder's account without change. A card handling system initiates destruction of the returned payment card and provides a replacement payment card to the cardholder if updated profile information of the cardholder is received within a predetermined time period, and closes the cardholder account and returns any funds in the cardholder account if no updated profile information of the cardholder is received within the predetermined time period. | 03-03-2011 |
20100332393 | ONLINE PAYER AUTHENTICATION SERVICE - A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder. | 12-30-2010 |
20100312697 | PAYMENT SERVICES FOR MULTI-NATIONAL CORPORATIONS - A central coordinating body (CCB) is part of a global commercial card processing system. The CCB provides standards, relationships, management protocols, problem resolution, processing, data sourcing and reporting capabilities. The local card issuer services a client locally on behalf of the lead card issuer. The lead issuer and CCB enter into an agreement that defines services that will be performed for the client by local issuers and services to be performed by CCB. The local issuers and CCB enter into an agreement defining the services to be provided for the client. A list of services to be provided is published that describes the services provided by a local issuer. The agreements specify a bid process for when an RFP is received from a client. Revenue from transactions received by a local issuer is sent to the lead issuer. The local issuer and CCB charge fees for the services provided to the lead issuer. | 12-09-2010 |
20100250956 | METHOD AND SYSTEM FOR FACILITATING DATA ACCESS AND MANAGEMENT ON A SECURE TOKEN - A system for facilitating data access and management on a smart card is provided. According to one exemplary aspect of the system, a storage architecture is provided in the smart card which allows data stored thereon to be shared by multiple parties. Access to data stored on the smart card is controlled by various access methods depending on the actions to be taken with respect to the data to be accessed. | 09-30-2010 |
20100235282 | SMART CARD PURCHASE TRANSACTIONS USING WIRELESS TELECOMMUNICATIONS NETWORK - A mobile handset includes a card reader; a gateway; a funds issuer computer; and an authentication computer. The handset receives a request to load a value onto the smart card. The handset generates a funds request and sends it to a funds issuer computer. The funds issuer computer debits an account. The handset generates a load request with a signature and sends it to an authentication computer. The handset receives a response. The handset validates the second signature and loads value onto the smart card. For payment, the system includes a merchant server and a payment server. The handset sends an order request to the merchant computer, and receives a purchase instruction. The handset processes the message, and then sends a draw request message to a payment server. The payment server sends a debit message to debit the smart card. The handset validates the signature and debits the smart card. | 09-16-2010 |
20100223184 | Sponsored Accounts For Computer-Implemented Payment System - Systems and methods for primary and sponsored accounts are provided. A system may include an account processor to execute software instructions for creating and managing electronic payment accounts and an accounts database to store account data from the account processor. The account processor may be configured to create a primary account and a sponsored account in the accounts database. The primary account may be associated with a primary account holder who has access to the primary account to add and remove funds. The sponsored account may be associated with both the primary account holder and a sponsored account holder, where the primary account holder has access to the sponsored account to transfer funds between the primary account and the sponsored account in order to add and remove funds from the sponsored account, and the sponsored account holder has access to the sponsored account for making transactions using funds in the sponsored account. | 09-02-2010 |
20100063895 | MOBILE ACCOUNT AUTHENTICATION SERVICE - A payment authentication service authenticates the identity of a payer during online transactions. The authentication service allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as with the use of tokens. Authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages via the Internet are described. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages through voice and messaging channels is also described. | 03-11-2010 |
20100057619 | ACCOUNT AUTHENTICATION SERVICE WITH CHIP CARD - A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder. | 03-04-2010 |
20090099857 | METHOD AND SYSTEM FOR VERIFYING USE OF A FINANCIAL INSTRUMENT - Methods and systems for verifying that a registrant is authorized to use a particular payment instrument are presented. A registering service initiates one or more verifying transactions involving the instrument. The registrant contacts the issuing financial institution to dispute the transaction and verifies his or her identity to the issuing financial institution, resulting in the registering service being contacted and verifying to the registering service that the registrant owns or controls the payment instrument. | 04-16-2009 |
20090037304 | CONDUCTING COMMERCE BETWEEN INDIVIDUALS - Receiving payment includes the establishment, at a first server, a transaction record including information identifying a payment amount, a first account to be credited by the payment amount, and a second account to be debited by a debit amount. A financial authorization network performs an authorization analysis on at least the second account. The second account is debited if the authorization analysis is successfully completed, and the first account is directly credited by the payment amount to conclude the transaction. Risk analysis may be performed for each individual. Payment is integrated with shipping. | 02-05-2009 |
20090030844 | SMART CARD LOADING TRANSACTIONS USING WIRELESS TELECOMMUNICATIONS NETWORK - A smart card transaction allows a consumer to load value onto a smart card and to make purchases using a smart card with a mobile telephone handset over the telecommunications network. For loading, the system includes: a mobile telephone handset including a card reader; a gateway computer; a funds issuer computer; and an authentication computer. The mobile telephone handset receives a request from a user to load a value onto the smart card. The handset generates a funds request message which includes the value and sends the funds request message to a funds issuer computer. The funds issuer computer debits an account associated with the user. Next, the handset generates a load request message with a cryptographic signature and sends the load request message to an authentication computer which authenticates the smart card. The handset receives a response message which includes a cryptographic signature and an approval to load. Finally, the handset validates the second cryptographic signature and loads the value onto the smart card. For payment, the system includes a merchant server and a payment server. First, the handset sends an order request message to the merchant server computer, and in return receives a purchase instruction message. The handset processes the purchase instruction message locally, and then sends a draw request message to a payment server computer. The payment server computer sends a debit message which includes a cryptographic signature and an approval to debit the smart card. Finally, the handset validates the cryptographic signature and debits the smart card. | 01-29-2009 |
20090030843 | SMART CARD LOAD AND PURCHASE TRANSACTIONS USING WIRELESS TELECOMMUNICATIONS NETWORK - A smart card transaction allows a consumer to load value onto a smart card and to make purchases using a smart card with a mobile telephone handset over the telecommunications network. For loading, the system includes: a mobile telephone handset including a card reader; a gateway computer; a funds issuer computer; and an authentication computer. The mobile telephone handset receives a request from a user to load a value onto the smart card. The handset generates a funds request message which includes the value and sends the funds request message to a funds issuer computer. The funds issuer computer debits an account associated with the user. Next, the handset generates a load request message with a cryptographic signature and sends the load request message to an authentication computer which authenticates the smart card. The handset receives a response message which includes a cryptographic signature and an approval to load. Finally, the handset validates the second cryptographic signature and loads the value onto the smart card. For payment, the system includes a merchant server and a payment server. First, the handset sends an order request message to the merchant server computer, and in return receives a purchase instruction message. The handset processes the purchase instruction message locally, and then sends a draw request message to a payment server computer. The payment server computer sends a debit message which includes a cryptographic signature and an approval to debit the smart card. Finally, the handset validates the cryptographic signature and debits the smart card. | 01-29-2009 |
20090030842 | SMART CARD PURCHASING TRANSACTIONS USING WIRELESS TELECOMMUNICATIONS NETWORK - A smart card transaction allows a consumer to load value onto a smart card and to make purchases using a smart card with a mobile telephone handset over the telecommunications network. For loading, the system includes: a mobile telephone handset including a card reader; a gateway computer; a funds issuer computer; and an authentication computer. The mobile telephone handset receives a request from a user to load a value onto the smart card. The handset generates a funds request message which includes the value and sends the funds request message to a funds issuer computer. The funds issuer computer debits an account associated with the user. Next, the handset generates a load request message with a cryptographic signature and sends the load request message to an authentication computer which authenticates the smart card. The handset receives a response message which includes a cryptographic signature and an approval to load. Finally, the handset validates the second cryptographic signature and loads the value onto the smart card. For payment, the system includes a merchant server and a payment server. First, the handset sends an order request message to the merchant server computer, and in return receives a purchase instruction message. The handset processes the purchase instruction message locally, and then sends a draw request message to a payment server computer. The payment server computer sends a debit message which includes a cryptographic signature and an approval to debit the smart card. Finally, the handset validates the cryptographic signature and debits the smart card. | 01-29-2009 |