公开(公告)号：US10424171B2

公开(公告)日：2019-09-24

申请号：US16284656

申请日：2019-02-25

Applicant: Visa International Service Association

Inventor： Gourab Basu ,  Rajib Maitra ,  Tirtha Sarkar

IPC: G07F19/00 ,  G06Q20/34 ,  G06Q20/10 ,  G07F7/10

Abstract: Systems and methods for transferring resource access from a sender to a recipient are disclosed that can allow a sender to specify an amount of a resource to provide access to (e.g., an amount of money or an amount of access rights), while still providing security for the sender's sensitive credential information (e.g., PAN and/or PIN). These systems and methods can allow a sender to transfer resource access from any location and at any time of the day. In the case of money transfers, the recipient can quickly and directly obtain the money from any ATM location associated with any bank and at any time of the day, even without a bank account.

公开(公告)号：US20190188975A1

公开(公告)日：2019-06-20

申请号：US16284656

申请日：2019-02-25

Applicant: Visa International Service Association

Inventor： Gourab Basu ,  Rajib Maitra ,  Tirtha Sarkar

IPC: G07F19/00 ,  G06Q20/34 ,  G07F7/10 ,  G06Q20/10

CPC classification number: G07F19/203 ,  G06Q20/1085 ,  G06Q20/3572 ,  G06Q20/35765 ,  G07F7/1025

Abstract: Systems and methods for transferring resource access from a sender to a recipient are disclosed that can allow a sender to specify an amount of a resource to provide access to (e.g., an amount of money or an amount of access rights), while still providing security for the sender's sensitive credential information (e.g., PAN and/or PIN). These systems and methods can allow a sender to transfer resource access from any location and at any time of the day. In the case of money transfers, the recipient can quickly and directly obtain the money from any ATM location associated with any bank and at any time of the day, even without a bank account.

公开(公告)号：US20240386423A1

公开(公告)日：2024-11-21

申请号：US18693136

申请日：2022-09-12

Applicant: Visa International Service Association

Inventor： Rajib Maitra ,  Nisha Jain ,  Bireswar Banerjee ,  Israel Zaragoza Cabello ,  Anshu Tanejav ,  Justin Ma ,  Livia Noguera ,  Daniel David Childs ,  Lawrence Finnerty ,  Adalberto, JR Gonzalez ,  Kingson Poon ,  Bishenjit Paul Choudhury ,  Alexandria Mathew ,  Sujoy Sen ,  Hongyuan Lin

IPC: G06Q20/38

Abstract: A method of using a processing computer comprising a memory comprising a hash index table and an array index table is disclosed. The method includes receiving an initial request message comprising a plurality of data fields with data elements for a transaction, and creating service request messages, where each service request message comprises a transaction key and data elements. The method includes transmitting the service request messages to server computers, which process them and generate service response messages, each service response message having the transaction key and response data. The method includes receiving the service response messages. The method includes for each of the service response messages: accessing the hash index table and determining a row address identifier for a row in the array index table based on the transaction key, and accessing data in the row of the array index table associated with the row address identifier.

公开(公告)号：US11810094B2

公开(公告)日：2023-11-07

申请号：US17350435

申请日：2021-06-17

Applicant: Visa International Service Association

Inventor： Anindya Mukherjee ,  Rajib Maitra

IPC: G06Q20/24 ,  G06Q20/20 ,  G06Q40/03

CPC classification number: G06Q20/24 ,  G06Q20/202 ,  G06Q40/03

Abstract: Described are a system, method, and computer program product for providing instant credit to a customer at a point-of-sale. The method includes receiving a transaction approval request including a full transaction amount for a transaction at the point-of-sale. The method further includes communicating a credit approval request based on the transaction approval request to an issuer system and, in response to receiving a message from the issuer system including a decline or an approval of less than the full transaction amount, determining customer data used to evaluate an extension of credit to the customer. The method further includes communicating the customer data to a third party credit provider system and receiving a credit approval message from the third party credit provider system including a credit transaction amount to fulfill the full transaction amount. The method further includes communicating a transaction approval message including the full transaction amount.

公开(公告)号：US20210312418A1

公开(公告)日：2021-10-07

申请号：US17350435

申请日：2021-06-17

Applicant: Visa International Service Association

Inventor： Anindya Mukherjee ,  Rajib Maitra

IPC: G06Q20/24 ,  G06Q40/02 ,  G06Q20/20

Abstract: Described are a system, method, and computer program product for providing instant credit to a customer at a point-of-sale. The method includes receiving a transaction approval request including a full transaction amount for a transaction at the point-of-sale. The method further includes communicating a credit approval request based on the transaction approval request to an issuer system and, in response to receiving a message from the issuer system including a decline or an approval of less than the full transaction amount, determining customer data used to evaluate an extension of credit to the customer. The method further includes communicating the customer data to a third party credit provider system and receiving a credit approval message from the third party credit provider system including a credit transaction amount to fulfill the full transaction amount. The method further includes communicating a transaction approval message including the full transaction amount.

公开(公告)号：US11068874B2

公开(公告)日：2021-07-20

申请号：US16382622

申请日：2019-04-12

Applicant: Visa International Service Association

Inventor： Anindya Mukherjee ,  Rajib Maitra

IPC: G06Q20/24 ,  G06Q40/02 ,  G06Q20/20

Abstract: Described are a system, method, and computer program product for providing instant credit to a customer at a point-of-sale. The method includes receiving a transaction approval request including a full transaction amount for at least one transaction between a merchant and the customer. The method also includes communicating a credit approval request based on the transaction approval request to an issuer system. The method further includes, in response to the issuer system initially declining the credit approval request or approving less than the full transaction amount, determining, with at least one processor, customer data used to evaluate an extension of credit to the customer. The method further includes communicating the customer data to the issuer system and receiving a credit approval message from the issuer system including the full transaction amount. The method further includes communicating a transaction approval message to a merchant system including the full transaction amount.

公开(公告)号：US20200327529A1

公开(公告)日：2020-10-15

申请号：US16382622

申请日：2019-04-12

Applicant: Visa International Service Association

Inventor： Anindya Mukherjee ,  Rajib Maitra

IPC: G06Q20/24 ,  G06Q20/20 ,  G06Q40/02

Abstract: Described are a system, method, and computer program product for providing instant credit to a customer at a point-of-sale. The method includes receiving a transaction approval request including a full transaction amount for at least one transaction between a merchant and the customer. The method also includes communicating a credit approval request based on the transaction approval request to an issuer system. The method further includes, in response to the issuer system initially declining the credit approval request or approving less than the full transaction amount, determining, with at least one processor, customer data used to evaluate an extension of credit to the customer. The method further includes communicating the customer data to the issuer system and receiving a credit approval message from the issuer system including the full transaction amount. The method further includes communicating a transaction approval message to a merchant system including the full transaction amount.

公开(公告)号：US10255768B2

公开(公告)日：2019-04-09

申请号：US15701871

申请日：2017-09-12

Applicant: Visa International Service Association

Inventor： Gourab Basu ,  Rajib Maitra ,  Tirtha Mauli Sarkar

IPC: G07F19/00 ,  G07F7/10 ,  G06Q20/34 ,  G06Q20/10

Abstract: Systems and methods for transferring resource access from a sender to a recipient are disclosed that can allow a sender to specify an amount of a resource to provide access to (e.g., an amount of money or an amount of access rights), while still providing security for the sender's sensitive credential information (e.g., PAN and/or PIN). These systems and methods can allow a sender to transfer resource access from any location and at any time of the day. In the case of money transfers, the recipient can quickly and directly obtain the money from any ATM location associated with any bank and at any time of the day, even without a bank account.