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    System and method for secured account numbers in proximily devices
    2.
    发明授权
    System and method for secured account numbers in proximily devices 有权

    公开(公告)号：US11605074B2

    公开(公告)日：2023-03-14

    申请号：US17145919

    申请日：2021-01-11

    申请人： Visa U.S.A. Inc.

    发明人： Patrick Gauthier ,  Brian Maw ,  Patrick Faith ,  Barbara Patterson

    IPC分类号： G06Q20/38 ,  G06Q20/24 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q20/20 ,  G06Q20/34

    摘要： A technique for improving the security of a portable consumer device may include storing a first account identifier and a second account identifier associated with the first account identifier, the second account identifier and the first account identifier being associated with the same account on the portable consumer device. When the portable consumer device is interacting with a reader device to conduct a transaction, the portable consumer device may determine whether the transaction is a proximity transaction by sensing whether a wireless interrogation signal is being transmitted from the reader device, and determine which of the first account identifier and the second account identifier to provide to the reader device based on whether the transaction is a proximity transaction.

    Adaptive authentication options
    6.
    发明授权
    Adaptive authentication options 有权

    公开(公告)号：US10748147B2

    公开(公告)日：2020-08-18

    申请号：US16429813

    申请日：2019-06-03

    申请人： Visa U.S.A. Inc.

    发明人： Kim Steele ,  Mike Yakel ,  Kevin Weller ,  Patrick Faith ,  Lori D. Van deloo

    IPC分类号： G06Q20/40 ,  G06Q20/34 ,  G06Q30/06 ,  G06Q40/00 ,  G07F7/10

    摘要： A method for authenticating a consumer for a portable consumer device is disclosed. One embodiment of the invention includes receiving a transaction message relating to a request by a consumer to conduct a transaction using a portable consumer device, wherein the consumer was previously enrolled in an authentication program and the consumer was previously authenticated, analyzing the transaction message to determine if a re-authentication event has taken place, causing a re-authentication message to be sent to the consumer before initiating an authorization request message to the issuer if the re-authentication event has taken place, and initiating the authorization request message to the issuer without sending the re-authentication message to the consumer if the re-authentication event has not taken place.

    Wireless payment method and systems
    7.
    发明授权
    Wireless payment method and systems 有权

    公开(公告)号：US10510064B2

    公开(公告)日：2019-12-17

    申请号：US15676477

    申请日：2017-08-14

    申请人： VISA U.S.A. INC.

    发明人： Joan Myers ,  Sara Garrison ,  Mark Carlson

    IPC分类号： G06Q20/32 ,  G06Q20/02 ,  G06Q20/08 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/02

    摘要： A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.

    Bank issued contactless payment card used in transit fare collection
    8.
    发明授权
    Bank issued contactless payment card used in transit fare collection 有权

    公开(公告)号：US10210508B2

    公开(公告)日：2019-02-19

    申请号：US15293830

    申请日：2016-10-14

    申请人： Visa U.S.A. Inc.

    发明人： Ayman Hammad ,  Brian Triplett ,  Philip B. Dixon

    IPC分类号： G06K19/06 ,  G06Q20/34 ,  G06Q20/12 ,  G06Q20/22 ,  G07F7/10 ,  G06Q20/16 ,  G06Q20/32 ,  G06Q20/36

    摘要： An apparatus such as a mobile phone includes a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.

    Systems and methods to provide offers to travelers
    9.
    发明授权
    Systems and methods to provide offers to travelers 有权

    公开(公告)号：US10089630B2

    公开(公告)日：2018-10-02

    申请号：US15253190

    申请日：2016-08-31

    申请人： VISA U.S.A. INC.

    发明人： Andrew Clyne

    IPC分类号： G06Q30/02 ,  G06Q20/40 ,  G06Q20/10 ,  G06Q10/02

    摘要： A computing apparatus includes: a transaction handler configured to process transactions; a data warehouse configured to store transaction data recording the transactions and to store event data for travel related events; a pattern detector configured to identify correlation data relating transaction patterns in the transaction data and the events identified in the event data; a portal configured to, in response to an occurrence of a first event, provide merchants with a report of a predicted spending pattern, including the identification of a set of consumers, identified based on the correlation data and data identifying the first event; a score generator to compute a value score for a traveler based on transaction data of the traveler; and a data services platform configured to provide the value score to a hotelier in response to a transaction processed by the transaction handler to check in the traveler at the hotelier.