公开(公告)号：US20200012798A1

公开(公告)日：2020-01-09

申请号：US16534916

申请日：2019-08-07

申请人： Visa International Service Association

发明人： Ramesh Shankar ,  Brian Sullivan ,  Sayeed Mohammed ,  Gavin Shenker ,  Richard Nassar ,  Clyde Valdez ,  Jonathan Hill

IPC分类号： G06F21/60 ,  G06F21/62 ,  G06F21/44 ,  H04L9/32 ,  G06F21/33

摘要： Techniques for managing an application token may include providing, by a first service provider application on a communication device to a first service provider computer, a first request for a first application token, receiving, by an account management application on the communication device from a token service computer in communication with the first service provider computer, the first application token, and storing the first application token in a token container in the account management application.

公开(公告)号：US09672516B2

公开(公告)日：2017-06-06

申请号：US14656221

申请日：2015-03-12

申请人： Visa International Service Association

发明人： Sayeed Mohammed ,  Joseph Bjorn Ovick ,  Diane C. Salmon ,  Nancy L. Kim

IPC分类号： G06K19/00 ,  G06Q40/00 ,  G06Q20/40 ,  G06Q20/10 ,  G06Q20/22

CPC分类号： G06Q20/401 ,  G06Q20/10 ,  G06Q20/22

摘要： Systems and methods implementing a communication protocol for the authorization of transfer of resources in a computer system having a plurality of computers, including a centralized router connecting to source account controllers and destination account controllers that are connected to readers. A reader communicates a first authorization request having a source identifier to a portal coupled with a data storage storing data linking the source identifier to a linked identifier. The portal communicates with a respective linked account controller to obtain a response identifying an available resource. Based on the response, the reader generates a further authorization request for a requested resource from a source account identified by the source identifier to a destination account associated with the reader.

公开(公告)号：US20140222533A1

公开(公告)日：2014-08-07

申请号：US14174629

申请日：2014-02-06

申请人： Visa International Service Association

发明人： Joseph Bjorn Ovick ,  Mark Carlson ,  Sayeed Mohammed

IPC分类号： G06Q30/02

CPC分类号： G06Q30/0283

摘要： 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.

摘要翻译： 个性化价格报价与数据仓库中的用户的帐户信息相关联，与支付处理网络的交易处理程序相结合。 如果个性化价格报价适用于购买的预授权，则关于价格报价的信息通过预授权的授权响应被传送到交易终端。 交易终端被配置为根据关于价格报价的信息来调整公布的价格，使得用户在用户开始接收产品或服务之前在交易终端处呈现个性化价格。 交易终端购买后，根据个性化价格计算交易金额，并根据个性化价格计算的交易金额要求交易结算。