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    SYSTEM AND METHOD OF PROVIDING SUPPLEMENTAL INFORMATION IN A TRANSACTION
    1.
    发明申请
    SYSTEM AND METHOD OF PROVIDING SUPPLEMENTAL INFORMATION IN A TRANSACTION 审中-公开
    在交易中提供补充信息的系统和方法

    公开(公告)号：WO2017091594A1

    公开(公告)日：2017-06-01

    申请号：PCT/US2016/063373

    申请日：2016-11-22

    Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION

    Inventor： RAJURKAR, Pankaj ,  KULPATI, Ashish ,  NAYA, Koni Uttam ,  HARIHARAN, Gurumoorthy

    IPC: G06Q30/06 ,  G06Q20/32

    CPC classification number: G06Q20/3674 ,  G06Q20/102 ,  G06Q20/401 ,  G06Q30/0601 ,  G06Q2220/00

    Abstract: A system and a method in which supplemental information related to a first entity of a transaction is provided to a second entity of the transaction are provided. In a method conducted at an authorization server associated with the user, a transaction message including an amount associated with the transfer of funds, an account identifier of the recipient, and an access credential of the user is received from a mobile device of the user. In some embodiments, if a permission indication indicates that the requested supplemental information may be shared with the recipient, a transaction request message is generated including the amount, the account identifier and the requested supplemental information. A response message is transmitted for receipt by a transport computer associated with the recipient for processing the transaction and conditional forwarding of the requested supplemental information to the recipient.

    Abstract translation: 提供了与交易的第一实体相关的补充信息被提供给交易的第二实体的系统和方法。 在与用户相关联的授权服务器处进行的方法中，从用户的移动设备接收包括与资金转移相关的金额，接收者的账户标识符以及用户的访问凭证的交易消息。 在一些实施例中，如果许可指示指示所请求的补充信息可与接收方共享，则生成包括金额，账户标识符和所请求的补充信息的交易请求消息。 发送响应消息以供与收件人相关联的运输计算机接收，用于处理交易并将所请求的补充信息有条件地转发给收件人。

    INTEROPERABLE FINANCIAL TRANSACTIONS VIA MOBILE DEVICES
    2.
    发明申请
    INTEROPERABLE FINANCIAL TRANSACTIONS VIA MOBILE DEVICES 审中-公开
    通过移动设备进行的互通金融交易

    公开(公告)号：WO2012142131A2

    公开(公告)日：2012-10-18

    申请号：PCT/US2012/033083

    申请日：2012-04-11

    Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION ,  KULPATI, Ashish ,  COOPER, Gordon ,  BAKER, Ginger

    Inventor： KULPATI, Ashish ,  COOPER, Gordon ,  BAKER, Ginger

    IPC: G06Q20/16 ,  G06Q20/24 ,  G06Q20/26 ,  G06Q20/10

    CPC classification number: G06Q20/16 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/3223 ,  G06Q20/401 ,  G07F19/203

    Abstract: A method and system provide interoperable electronic financial services using mobile communications devices and without the need for traditional banking systems like plastic cards, POS machines, branches and ATMs. A consumer can deposit and/or withdraw money from his account using his mobile device and with the help of a local agent without ever stepping inside a branch of a bank where the consumer has an account. The system uses the consumers ID and his mobile number to generate a PAN for the consumer, which is then used to route the transactions. The system uses indicators in the transaction to identify transaction purpose and thus enable appropriate interchange, clearing and settlement between participating entities. The system provides real-time feedback on the transactions and reduces costs by enabling an agent to service consumers of multiple banks and payment service providers.

    Abstract translation: 一种方法和系统使用移动通信设备提供可互操作的电子金融服务，而不需要诸如塑料卡，POS机，分支机构和ATM的传统银行系统。 消费者可以使用他的移动设备并在当地代理商的帮助下从他的帐户中存入和/或提取资金，而不必进入消费者帐户的银行分支机构。 系统使用消费者ID及其移动号码为消费者生成PAN，然后用于路由交易。 该系统使用交易中的指标来识别交易目的，从而在参与实体之间进行适当的交换，结算和结算。 该系统通过使代理人能够为多个银行和支付服务提供商的消费者提供服务，为交易提供实时反馈并降低成本。

    SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR AN ACCOUNT-TO-ACCOUNT TRANSACTION NETWORK
    3.
    发明申请
    SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR AN ACCOUNT-TO-ACCOUNT TRANSACTION NETWORK 审中-公开

    公开(公告)号：WO2022251035A1

    公开(公告)日：2022-12-01

    申请号：PCT/US2022/030046

    申请日：2022-05-19

    Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION

    Inventor： MANOHARAN, Hemanth Kumar ,  KULPATI, Ashish ,  MHASDE, Swapnil, Vasant ,  SINGH, Ankur, Kumar ,  BROWN, David, Alan

    IPC: G06Q20/02

    Abstract: Provided are a system, method, and computer program product for an account-to-account transaction network. The method includes receiving, via a first application programming interface (API), a transaction request for a transaction including a transaction amount, an issuer identifier, and a merchant identifier. The method includes determining an issuer uniform resource locator (URL) based on the issuer identifier, generating an intent identifier associated with the transaction request, and transmitting the issuer URL and the intent identifier via the first API. The method includes transmitting the intent identifier, the transaction amount, and the merchant identifier to an issuer system associated with the issuer identifier via a second API. The method includes, in response to receiving an authenticated consent identifier from the issuer system, determining a merchant account identifier and an issuer account identifier, and transmitting a combined authorization and settlement message to cause settlement for the transaction amount.

    PROCESSING FINANCIAL TRANSACTIONS
    4.
    发明申请
    PROCESSING FINANCIAL TRANSACTIONS 审中-公开
    处理财务交易

    公开(公告)号：WO2016055930A1

    公开(公告)日：2016-04-14

    申请号：PCT/IB2015/057629

    申请日：2015-10-06

    Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION

    Inventor： NAYAK, Koni Uttam ,  KULPATI, Ashish ,  RAJURKAR, Pankaj ,  POWELL, Glenn

    IPC: G06Q40/02 ,  G06Q20/16 ,  H04W4/12 ,  G06Q50/30

    CPC classification number: G06Q20/102 ,  G06F17/30312 ,  G06F17/30377 ,  G06F17/30477 ,  G06Q20/223 ,  G06Q20/32 ,  G06Q20/3224 ,  G06Q40/02 ,  H04W4/12

    Abstract: Systems and methods for processing a financial transaction are provided. In a method conducted at an issuing server computer associated with a first entity, a transaction request message is transmitted to an acquiring server computer associated with a second entity. The transaction request message is in respect of a push transaction in which funds from the first entity are transferred to the second entity and includes a first set of data elements. In response to transmitting the transaction request message, a transaction response message and a second set of data elements are received. The second set of data elements are associated with the first set of data elements and the financial transaction is processed using information contained in the first set of data elements and the second set of data elements.

    Abstract translation: 提供了处理金融交易的系统和方法。 在与第一实体相关联的发行服务器计算机上执行的方法中，将事务请求消息发送到与第二实体相关联的获取服务器计算机。 交易请求消息涉及推动交易，其中来自第一实体的资金被转移到第二实体并且包括第一组数据元素。 响应于发送交易请求消息，接收到事务响应消息和第二组数据元素。 第二组数据元素与第一组数据元素相关联，并且使用包含在第一组数据元素和第二组数据元素中的信息来处理金融交易。

    METHOD FOR PROVIDING DATA SECURITY USING ONE-WAY TOKEN
    6.
    发明申请
    METHOD FOR PROVIDING DATA SECURITY USING ONE-WAY TOKEN 审中-公开

    公开(公告)号：WO2019172911A1

    公开(公告)日：2019-09-12

    申请号：PCT/US2018/021526

    申请日：2018-03-08

    Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION

    Inventor： KULPATI, Ashish ,  RAJURKAR, Pankaj ,  SINGH, Shantnu ,  MODI, Vikram ,  NAYAK, Koni Uttam

    IPC: H04L29/06 ,  G06K19/06

    Abstract: A new processing method is disclosed. The processing method includes receiving by a server computer, an update request message from a first authorizing computer for an interaction between two users. The update may be a transfer of interaction value from a first user to a second user, and may include such interaction details as the interaction value and information for a one-way token. The server computer may parse the update request message to determine the one-way token, and may determine a second account of the second user from the token. The server computer may determine a second authorizing computer associated with the second account, and may modify the update request message to include a second user account identifier as well as value adjustments based on calculated interaction velocities. The server computer may forward the update request message to the second authorizing computer for updating the account accordingly.

    ENTITY IDENTIFIER GENERATION AND CONVERSION TO PRIMARY ACCOUNT NUMBER
    7.
    发明申请
    ENTITY IDENTIFIER GENERATION AND CONVERSION TO PRIMARY ACCOUNT NUMBER 审中-公开
    实体标识符生成和转换为主帐号

    公开(公告)号：WO2016055931A1

    公开(公告)日：2016-04-14

    申请号：PCT/IB2015/057630

    申请日：2015-10-06

    Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION

    Inventor： KULPATI, Ashish ,  RAJURKAR, Pankaj ,  NAYAK, Koni Uttam

    IPC: G06Q40/02 ,  H04L9/32

    CPC classification number: G06Q40/02

    Abstract: Systems and methods for conversion of an entity identifier to a primary account number. A method performed at a server including: receiving as an input an entity identifier formed of: a first set number of digits identifying an issuer institution; a variable number of additional digits identifying the entity at the issuer institution; and a check digit; converting the entity identifier to a primary account number including: ascertaining the issuer institution from the first set of digits; determining a required number of padding digits to increase the number of digits of the entity identifier to a number of digits in a required standard form of a primary account number; and padding the entity identifier with the required number of padding digits in predefined positions in relation to the entity identifier to result in a standard form of primary account number; and carrying out further processing using the padded entity identifier as a primary account number.

    Abstract translation: 用于将实体标识符转换为主帐号的系统和方法。 一种在服务器上执行的方法，包括：接收作为输入的实体标识符，其形成为：识别发行机构的第一组数字; 在发行机构识别实体的可变数量的附加数字; 和一个校验位; 将实体标识符转换为主帐号，包括：从第一组数字确定发行机构; 确定所需数量的填充数字以将实体标识符的位数增加到主要帐号的所需标准形式的数位数; 并且将与实体标识符相关的预定义位置中所需数量的填充数字填充实体标识符以得到主要帐号的标准形式; 并使用填充实体标识符作为主帐号进行进一步处理。

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