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公开(公告)号：US20240232846A9
公开(公告)日：2024-07-11
申请号：US18548056
申请日：2021-09-02
Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION
Inventor： Sonal Verma , Jarkko Oskari Sevanto , Vikram Modi , Micael de Torres Gomes
IPC: G06Q20/22
CPC classification number: G06Q20/223
Abstract: A method is disclosed. The method comprises receiving, by a digital tag computer from a receiver user device a transfer request comprising a digital tag associated with the receiver, a digital tag associated with a sender, and a transfer amount. The method then generates an identifier to be associated with the received transfer request. The digital tag computer then transmits the transfer request to a sender user device associated with the second user, where the transfer request includes the identifier associated with the request. After transmitting the transfer request, the digital tag computer receives a transfer message relating to the transfer request. Then, after receiving the transfer message, the digital tag computer transmits the transfer message.
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公开(公告)号：US20210049560A1
公开(公告)日：2021-02-18
申请号：US16978408
申请日：2018-03-08
Applicant: Visa International Service Association
Inventor： Ashish Kulpati , Pankaj Rajurkar , Shantnu Singh , Vikram Modi , Koni Uttam Nayak
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.
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公开(公告)号：US20220172209A1
公开(公告)日：2022-06-02
申请号：US17442521
申请日：2020-06-05
Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION
Inventor： Matthew G. Vanhouten , Sunil Joshi , Vanitchand Shah , Greg Loomis , Daniel Mottice , Vikram Modi , William Sheley , Dong Xiao
Abstract: Transactions between account-based endpoints are performed in a two-step process that first qualifies the recipient's validity and then performs the actionable transfer. The qualification step, unlike a payment pre-qualification, validates the recipient account validity while collecting information required for filling out a transaction data set. The information may include anti-money laundering and know-your-customer information as well as specific account details needed for on-boarding. A recipient payouts service provider may be assigned a tokenized bank identification number for use in routing the transfer through existing financial processing networks. Data constructs, minimum required information, and format checks may be facilitated by initiator-side and recipient-side application program interfaces.
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公开(公告)号：US10078832B2
公开(公告)日：2018-09-18
申请号：US14860342
申请日：2015-09-21
Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION
Inventor： Pankaj Sharma , Vikram Modi , Shantnu Singh
CPC classification number: G06Q20/3276 , G06Q20/346
Abstract: Embodiments of the invention facilitate payment transactions by integrating the image capture and image processing capabilities of certain mobile devices with the card-based payment transaction infrastructure. In some embodiments, a camera contained in a mobile device is used to capture an image of a barcode that is visible on the surface of a substrate. The barcode may represent or otherwise encode one or more of payment account data, consumer authentication data, consumer profile data, or other relevant information. In some embodiments, the captured image may be processed by the mobile device to extract the payment account data, authentication data, or other relevant data. This data may then be communicated to a data processing element that is connected to, or forms part of, a payment processing network in order to conduct the desired payment transaction.
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公开(公告)号：US20200336315A1
公开(公告)日：2020-10-22
申请号：US16920251
申请日：2020-07-02
Applicant: Visa International Service Association
Inventor： Phillip Lavender , Vikram Modi , Glenn Leon Powell
Abstract: A method for validating an interaction is disclosed. A first interaction cryptogram can be generated by a first device using information about a first party to the interaction and a second party to the interaction. A second interaction cryptogram can be generated by a second device also using information about the first party to the interaction and the second party to the interaction. Verifying each cryptogram can validate that the interaction details have not been changed, and that both the first party and second party legitimately authorized the interaction.
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Patent Agency Ranking
公开(公告)号：US20240242206A1
公开(公告)日：2024-07-18
申请号：US18559788
申请日：2022-05-25
Applicant: Visa international Service Association
Inventor： Micael de Torres Gomes , Jarkko Oskari Sevanto , Vikram Modi
IPC: G06Q20/38
CPC classification number: G06Q20/38215
Abstract: A method includes receiving, from a first transfer application on a first user device associated with a first user, a transfer request message for a transfer transaction. The transfer request message comprises a digital tag associated with a second user and a transaction amount. The method includes generating and transmitting a code to a second transfer application on a second user device, and receiving a confirmation message that the second user wants to conduct the transfer transaction and is sharing the code with the first user. The method includes transmitting the code to the first transfer application on the first user device. The first transfer application compares the code received from the digital tag computer with the code received from the second user and initiates the transfer transaction if the code received from the digital tag computer with the code received from the second user match.
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公开(公告)号：US20220270095A1
公开(公告)日：2022-08-25
申请号：US17631796
申请日：2020-08-03
Applicant: Visa International Service Association
Inventor： Vikram Modi , Sunil Joshi , Shantnu Singh
Abstract: A technique for enabling non-native accounts to be processed by a processing system may include receiving an account identifier scheme that is used by a third-party entity to provide access to accounts associated with the third-party entity, and assigning an entity identifier to the third-party entity in which the entity identifier conforms to a native format used by the processing system. An application programming interface can be modified to recognize account identifiers of the third-party entity. A transaction request can be received to execute a transaction in which the transaction request includes a resource provider identifier of the third-party entity and an account identifier of an account of the third-party entity. The entity identifier assigned to the third-party entity can be determined using the modified application programming interface, and the transaction can be processed using the entity identifier assigned to the third-party entity.
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公开(公告)号：US12271902B2
公开(公告)日：2025-04-08
申请号：US17631796
申请日：2020-08-03
Applicant: Visa International Service Association
Inventor： Vikram Modi , Sunil Joshi , Shantnu Singh
Abstract: A technique for enabling non-native accounts to be processed by a processing system may include receiving an account identifier scheme that is used by a third-party entity to provide access to accounts associated with the third-party entity, and assigning an entity identifier to the third-party entity in which the entity identifier conforms to a native format used by the processing system. An application programming interface can be modified to recognize account identifiers of the third-party entity. A transaction request can be received to execute a transaction in which the transaction request includes a resource provider identifier of the third-party entity and an account identifier of an account of the third-party entity. The entity identifier assigned to the third-party entity can be determined using the modified application programming interface, and the transaction can be processed using the entity identifier assigned to the third-party entity.
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公开(公告)号：US20240135355A1
公开(公告)日：2024-04-25
申请号：US18548056
申请日：2021-09-01
Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION
Inventor： Sonal Verma , Jarkko Oskari Sevanto , Vikram Modi , Micael de Torres Gomes
IPC: G06Q20/22
CPC classification number: G06Q20/223
Abstract: A method is disclosed. The method comprises receiving, by a digital tag computer from a receiver user device a transfer request comprising a digital tag associated with the receiver, a digital tag associated with a sender, and a transfer amount. The method then generates an identifier to be associated with the received transfer request. The digital tag computer then transmits the transfer request to a sender user device associated with the second user, where the transfer request includes the identifier associated with the request. After transmitting the transfer request, the digital tag computer receives a transfer message relating to the transfer request. Then, after receiving the transfer message, the digital tag computer transmits the transfer message.
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公开(公告)号：US20230097407A1
公开(公告)日：2023-03-30
申请号：US17907932
申请日：2021-04-30
Applicant: Visa International Service Association
Inventor： Vikram Modi , Shantnu Singh , Ramji Sethuraman , Jarkko Oskari Sevanto , Caleb Watson , Anshu Chauhan , Sonal Verma , Micael Gomes
Abstract: A method is disclosed. The method comprising receiving, by a transfer application on a first user's device, a payload comprising a digital tag associated with a second user, a transaction identifier, and a transaction amount. Transmitting, by the transfer application to a digital tag computer, the digital tag associated with the second user. Receiving, by the transfer application from the digital tag computer, a primary account number or token associated with the digital tag and transmitting, by the transfer application to an acquiring computer, a push transfer message.
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