1
Craig Allen
Trudy Hill, Jagdeep Singh Sahota, Kim Wagner, Christian Aabye, Anita Ochieano, Carole Oppenlander, William Chi Yuen Chan, Craig Allen Glendenning: Device, system and method for reducing an interaction time for a contactless transaction. Visa International Service Association, Bradley K DeSandro, Quarles & Brady, September 21, 2010: US07798394 (5 worldwide citation)

A method. The method comprises, at a reader, performing at least one transaction-based risk management process prior to energizing a contactless interface, initiating communication with a card utilized for the contactless transaction, receiving information associated with the card, and terminating c ...


2
James J Hilt, Ron Hodges, Stephen W Pardue, William L Powar: Electronic bill pay system. Visa International, Philip H Albert, Townsend and Townsend Khourie and Crew, November 7, 1995: US05465206 (814 worldwide citation)

A bill pay system wherein participating consumers pay bills to participating billers through a payment network operating according to preset rules. The participating consumers receive bills from participating billers (paper/mail bills, e-mail notices, implied bills for automatic debts) which indicat ...


3
Ray Kolling, William L Powar: Electronic bill pay system. Visa International Service Association, July 6, 1999: US05920847 (744 worldwide citation)

A bill pay system wherein participating consumers pay bills to participating billers through a payment network operating according to preset rules. The participating consumers receive bills from participating billers (paper/mail bills, e-mail notices, implied bills for automatic debits) which indica ...


4
Catherine A Basch, Belva J Bruesewitz, Kevin Siegel, Patrick Faith: Financial risk prediction systems and methods therefor. Visa International Service Association, Beyer & Weaver, September 12, 2000: US06119103 (538 worldwide citation)

A computer-implemented method for predicting financial risk, which includes receiving first transaction data pertaining to transactions performed on a first financial account. The first financial account represents a financial account issued to a given account holder by a first account issuer. The m ...


5
Joseph P Francini, Einar L Asbo, Vincent Boston: Transaction card with magnetic stripe emulator. Visa International Service Association, Limbach Limbach & Sutton, October 20, 1987: US04701601 (513 worldwide citation)

A transaction card is disclosed having a magnetic stripe emulator. The transaction card is adapted for use with presently available transaction terminals that include a sensor for reading a magnetic stripe. The subject card includes a transducer for generating a varying magnetic field corresponding ...


6
Jack Levine, Priscilla C Brandt, Nydia Jackson, David L Johnson, Helen Clark: Method and apparatus for distributing currency. Visa International, Townsend and Townsend and Crew, December 19, 1995: US05477038 (491 worldwide citation)

A process which provides electronic access to pre-paid funds for cash or payment for goods and services. A card is issued to a customer with a value selectable by the customer. The card has a magnetic stripe with an encoded card number including a bank identification number (BIN) and an account numb ...


7
Stephen Langhans, Laurence M Goodman, Sigman L Shapiro: Automated purchasing control system. Visa International, Townsend and Townsend and Crew, April 15, 1997: US05621201 (482 worldwide citation)

An automated purchasing control system which can be customized for a corporate customer. The system receives an authorization request over the phone lines from a remote point-of-sale terminal and processes the request using unique software. The software has a database customized to a corporate user ...


8
Virgil M Davis, Suzanne C Cutino, Michael J Berg, Fredrick Sidney Conklin, Steven John Pringle: Internet payment system using smart card. Visa International Service Association, Beyer Weaver & Thomas, August 28, 2001: US06282522 (470 worldwide citation)

An architecture and system uses a smart card for payment of goods and/or services purchased on-line over the Internet. A client server on a client terminal controls the interaction with a consumer and interfaces to a card reader which accepts the consumer's smart card. A payment server on the I ...


9
Ray Kolling, Michael Occhino, Jeffrey D Roughgarden, James T Hayward: Electronic statement presentment system. Visa International Service Association, Beyer & Weaver, October 5, 1999: US05963925 (448 worldwide citation)

An electronic statement presentment (ESP) system replaces the preparation and mailing of paper statements and invoices from a biller with electronic delivery. Electronic statements have the same look as paper statements as well as including video, audio, graphics, and custom enclosures. Statements a ...


10
Vincent Boston, Elvis W Boggan, Einar L Asbo: Transaction system with off-line risk assessment. Visa International Service Association, Limbach Limbach & Sutton, March 14, 1989: US04812628 (420 worldwide citation)

The subject invention relates to a transaction system wherein the issuer of transaction cards can regulate the type of authorization requests transmitted from the point of transaction. The system includes a plurality of transaction cards, each of which are provided with risk assessment data associat ...