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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 (4 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
Ray Kolling, William L Powar: Electronic bill pay system. Visa International Service Association, July 6, 1999: US05920847 (717 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 ...


3
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 (498 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 ...


4
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 (475 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 ...


5
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 (447 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 ...


6
Ray Kolling, Michael Occhino, Jeffrey D Roughgarden, James T Hayward: Electronic statement presentment system. Visa International Service Association, Beyer & Weaver, October 5, 1999: US05963925 (428 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 ...


7
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 (409 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 ...


8
Alfred Chan, Marc B Kekicheff, Joel M Weise, David C Wentker: System and method for a multi-application smart card which can facilitate a post-issuance download of an application onto the smart card. Visa International Service Association, Beyer & Weaver, December 21, 1999: US06005942 (375 worldwide citation)

A system and method allow card issuers to securely add applications during the lifetime of the card after the card has already been issued (post issuance). Loading of an application and/or objects from an application server via a card acceptance device (and its supporting system infrastructure deliv ...


9
E William Bezy, William Chenevich: Electronic funds confirmation at point of transaction. Visa International Service Association, December 30, 1997: US05703344 (347 worldwide citation)

A real-time point of transaction funds confirmation system is provided whereby a draft is presented by a payor to a payee and a bank identifier and an account identifier are electronically read off the draft and used as part of a funds confirmation request. The funds confirmation request is submitte ...


10
Barbara L Fox, Lester L Waters, Jeffrey F Spelman, Robert B Seidensticker, Matthew W Thomlinson: System and method for secure electronic commerce transaction. Visa International Service Association, Townsend and Townsend and Crew, May 6, 2003: US06560581 (327 worldwide citation)

An electronic commerce system facilitates secure electronic commerce transactions among multiple participants. Each electronic commerce transaction involves at least one commerce document defining the transaction and at least one commerce instrument defining a payment for the transaction. The electr ...



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