Assignee: Visa U.S.A. Inc.

Location: San Francisco, CA
No. of patents: 134

Number	Title	Issue Date
8180702	Transactional processing entity device support of an integrated offer network A method begins by generate, for each of a plurality of merchant devices, an offer data file to produce a plurality of offer data files. The method continues by compiling, for one of a plurality of issuer devices, an options data file for a group of credit cards bas...	05/15/2012
8170911	Incentive program awarding points per-mile-driven Embodiments in accordance with the present invention relate to incentive programs awarding loyalty points based at least in part upon the number of miles driven in a motor vehicle. In accordance with one embodiment of the present invention, reward points can be earn...	05/01/2012
8170527	Real-time balance on a mobile phone A system, method and prepaid payment mobile phone configured to display a current prepaid balance. The prepaid payment mobile phone receives a debit balance request from input on the mobile phone. After retrieving an encoded current balance, the mobile phone display...	05/01/2012
8165940	Non-credit account credit rating A consumer's credit rating is derived from non-credit transactions on an account. Each transaction was a purchase by the consumer from a merchant using a pre-paid card. The derived consumer's credit rating can use a total of all of the transactions, totals for each ...	04/24/2012
8165938	Prepaid card fraud and risk management A method of monitoring fraud associated with prepaid devices includes configuring fraud platform parameters which comprise one or more limits defined by one or more values, each limit associated with a particular platform parameter, one or more thresholds defined by...	04/24/2012
8162226	Method and system for generating and sharing customized portable consumer devices A method for receiving and presenting user-generated designs and sets of terms for portable consumer devices. The method provides for allowing a first person to create a customized design for a portable consumer device, and share the design with other consumers via ...	04/24/2012
8160934	Notification of resources of interest to members of a consumer group An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement when there has been a satisfaction ...	04/17/2012
8146806	Prepaid negative balance fee processing and fee diversion Systems and methods are provided for a prepaid credit card processing system wherein components or entities such as the acquirer, issuer, or prepaid card processing network can dynamically determine, at the time of the transaction, whether a credit card transaction ...	04/03/2012
8145550	Field 55 data relationships A data mining device, method, and apparatus configured to associate customer exclusive data from a payment card or device after a financial transaction. A financial transaction processing system comprises a report distribution management system, a data relationship ...	03/27/2012
8145191	Apparatus and method for preventing wireless interrogation of phones An apparatus and method is provided to prevent contactless portable electronic consumer devices such as an RF identification device (RFID), tokens, mini-cards, key fobs, cellular phones, smart card, etc. from being wirelessly interrogated. In one embodiment, a decoy...	03/27/2012
8141777	Method and system using wildcard values A method of processing data on a server computer is disclosed. The method includes receiving data at the server computer, the data including a first data string including one or more wildcard values. The first data string is specifically associated with a customer, ...	03/27/2012
8135647	Consumer authentication system and method A method for authenticating a consumer. The method includes receiving an authorization request message associated with a consumer conducting a transaction with a portable consumer device. A challenge message is sent to the consumer, where the challenge message is dy...	03/13/2012
8132719	Prepaid payment device admission ticketing A prepaid payment device is used to by a consumer as a ticket to a future performance event as well as to conduct a transaction with a merchant. The consumer operates a user interface of a kiosk to select admission to the future performance event and a monetary amou...	03/13/2012
8127999	Wireless mobile communicator for contactless payment on account read from removable card A wireless mobile communications apparatus reads removable cards and can communicate an account corresponding to the removable card in order to conduct a wireless transaction with a merchant on the account with the wireless mobile communications apparatus. A total c...	03/06/2012
8121956	Cardless challenge systems and methods Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Challenge questions may be presented from the non-merchant to the consumer after receiving the payment information, thereby allowing a judi...	02/21/2012
8121942	Systems and methods for secure and transparent cardless transactions Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Payment information can be sent directly from a consumer to a non-merchant, thereby allowing no new entities to obtain the payment informat...	02/21/2012
8118223	Smart sign mobile transit fare payment A system and method for facilitating the payment and collection of transit system fares using a mobile device utilizes a smart sign including near field communication (NFC) devices that communicate with a contactless element embedded within a mobile wireless device....	02/21/2012
8103249	Credit card imaging for mobile payment and other applications A mobile payment device includes a contactless payment module, a processing module, and a display module. The contactless payment module is coupled to execute a credit payment transaction. The processing module is coupled to detect the executing of the credit paymen...	01/24/2012
8096468	Wireless portable consumer electronics device facilitating multi-range transactions 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 dev...	01/17/2012
8082209	Compliance control in a card based program An analysis system processes financial transactions data for compliance with a payment program, such that the processing involves receiving data relating to a set of financial transactions that have been authorized by a payment processing system, and determining if ...	12/20/2011
8078536	Method and system for cross-issuer registration of transaction cards Disclosed herein is a method of providing one or more transaction card services to a holder of a transaction card, the method comprising receiving a registration code from the holder, wherein the registration code is associated with the issuer of the transaction car...	12/13/2011
8041634	Payment processing system debt conversion notification When a buyer's debt to a seller cannot be paid using an account issued to the buyer by an issuer within a payment processing system, then either or both the seller and the buyer are solicited to conduct future transactions payable on the account. If the debt can be ...	10/18/2011
8038068	Multifunction removable cover for portable payment device Methods and devices for conducting financial transactions are provided. Aspects and embodiments include multifunction removable covers for portable payment devices; multifunction removable covers configured as password token type portable payment devices; and multif...	10/18/2011
8037357	System and method for generating test job control language files A software testing system for generating a test job control language (JCL) file is provided. The system includes a processor, a memory device for storing a source JCL file containing jobs and an instruction file containing instructions for modifying the source JCL f...	10/11/2011
8033473	Packaging for a portable consumer device A portable consumer device having an information bearing region is packaged with an anti-tampering member. The region includes information pertaining to an account associated with a payment processing system. With a permanent alteration of the anti-tampering member ...	10/11/2011
8032413	Auctioning of announcements An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement when there has been a satisfaction ...	10/04/2011
8024238	Negative balance management A system, apparatus, and method for managing account data for accounts having a negative balance. The invention embodiment includes a method, process or workflow for processing data for accounts associated with a debit, credit, pre-paid card or other form of financi...	09/20/2011
8011570	Compact protocol and solution for substantially offline messaging between portable consumer device and base device A method for providing messaging between a portable device and base device is provided. The method included communicating one or more message codes maintained in the portable device to the base device. The base device then composes a message for a user of the portab...	09/06/2011
8010453	Method and system for facilitating payment transactions using access devices A payment system for facilitating a payment transaction between a payer and a payee includes a payer access device, a payee access device, and a services hub. The services hub is configured to communicate with the payer device and the payee device; maintain informat...	08/30/2011
8005763	Method and system for providing a distributed adaptive rules based dynamic pricing system A system for providing distributed control to process transactions is disclosed. The system includes a service provider system having associated therewith a number of rules and a number of meta-rules, a point of service device having associated therewith a number of...	08/23/2011
8002193	Payment card dynamically receiving power from external source A payment card with a display and/or dynamic magnetic stripe that operates using power received from an electro-magnetic/RF signal, without the need for incorporating a battery within the payment card. In one example, a payment card includes a receiver for receiving...	08/23/2011
7987120	Method and portable device for management of electronic receipts A system for managing electronic receipts is provided. According to one aspect, the system includes a portable device, a base device, a user device and an electronic receipts administration system. The electronic receipts administration system provides the base devi...	07/26/2011
7983994	Module ID based encryption for financial transactions A server is operable to receive a media device identifying number (ID) and establish an association between a media device and a payment account and, in one embodiment, supports at least one of payment authorization and payment clearing based at least in part on the...	07/19/2011
7966350	Evidence repository application system and method An evidence repository application system provides a centralized repository of implementation evidence data for a project and to provide a method for collecting, storing and tracking the implementation evidence data for the project. The evidence repository applicati...	06/21/2011
7958030	System and method for issuer originated payments for on-line banking bill payments Techniques for processing on-line banking bill payment requests are provided. A bill payment request is received from an operator of an on-line banking bill payment web site. The operator may be a bank. The request is for payment of a bill using a portable consumer ...	06/07/2011
7937324	Account permanence A system and method for using derived account identifiers. The derived account identifiers are associated with a single permanent account identifier. Each derived account identifier is associated with a communication channel or portable consumer device. ...	05/03/2011
7937291	Providing an announcement about transactions of a target merchant to a consumer An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement is formed when there has been a sat...	05/03/2011
7925587	Real time account update A method is used in a system that includes a financial service provider coordinating accounts issued by an issuer to cardholders requesting credit from merchants. The method can be performed by a merchant sending a transmission to its acquirer including a request fo...	04/12/2011
7925518	System and method for payment of medical claims A system allows a health care provider to arrange payment at the time of service for a patient responsibility portion of a health care claim amount, even though the provider may not know what the patient responsibility portion will be until after adjudication. A hea...	04/12/2011
7917430	Bankruptcy evaluation service and system A method for assigning a value to a debt is disclosed. The method includes entering, into a digital computer, bankruptcy data associated with a bankruptcy proceeding after a debtor has filed for bankruptcy. The bankruptcy data may include priority claim data associa...	03/29/2011

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Assignee: Visa U.S.A. Inc.