Margaret Ellen Reid

US Patent:

7908216, Mar 15, 2011

Filed:

Jul 22, 1999

Appl. No.:

09/359083

Inventors:

Virgil M. Davis - Los Altos CA, US
Suzanne C. Cutino - San Francisco CA, US
Margaret Reid - San Francisco CA, US
Steve R. Hoffman - Pleasanton CA, US

Assignee:

Visa International Service Association - Foster City CA

International Classification:

G06Q 40/00

US Classification:

705 41

Abstract:

A system loads, authenticates and uses a virtual smart card for payment of goods and/or services purchased on-line over the Internet. An online purchase and load (OPAL) server includes a virtual smart card data base that has a record of information for each smart card that it represents for a user at the behest of an issuer. The server includes a smart card emulator that emulates a smart card by using the card data base and a hardware security module. The emulator interacts with a pseudo card reader module in the server that imitates a physical card reader. The server also includes a client code module that interacts with the pseudo card reader and a remote payment or load server. A pass-through client terminal presents a user interface and passes information between the OPAL server and a merchant server, and between the OPAL server and a bank server. The Internet provides the routing functionality between the client terminal and the various servers. A merchant advertises goods on a web site.

US Patent:

8175973, May 8, 2012

Filed:

Feb 7, 2011

Appl. No.:

13/022431

Inventors:

Virgil M. Davis - Los Altos CA, US
Suzanne C. Cutino - San Francisco CA, US
Margaret Reid - San Francisco CA, US
Steve R. Hoffman - Pleasanton CA, US

Assignee:

Visa International Service Association - Foster City CA

International Classification:

G06Q 40/00

US Classification:

705 41

Abstract:

A system loads, authenticates and uses a virtual smart card for payment of goods and/or services purchased on-line over the Internet. An online purchase and load (OPAL) server includes a virtual smart card data base that has a record of information for each smart card that it represents for a user at the behest of an issuer. The server includes a smart card emulator that emulates a smart card by using the card data base and a hardware security module. The emulator interacts with a pseudo card reader module in the server that imitates a physical card reader. The server also includes a client code module that interacts with the pseudo card reader and a remote payment or load server. A pass-through client terminal presents a user interface and passes information between the OPAL server and a merchant server, and between the OPAL server and a bank server. The Internet provides the routing functionality between the client terminal and the various servers. A merchant advertises goods on a web site.

US Patent:

8533116, Sep 10, 2013

Filed:

Mar 13, 2012

Appl. No.:

13/418942

Inventors:

Virgil M. Davis - Los Altos CA, US
Suzanne C. Cutino - San Francisco CA, US
Margaret Reid - San Francisco CA, US
Steve R. Hoffman - Pleasanton CA, US

Assignee:

Visa International Service Association - Foster City CA

International Classification:

G06Q 40/00

US Classification:

705 41, 705 40

Abstract:

A system loads, authenticates and uses a virtual smart card for payment of goods and/or services purchased on-line over the Internet. An online purchase and load (OPAL) server includes a virtual smart card data base that has a record of information for each smart card that it represents for a user at the behest of an issuer. The server includes a smart card emulator that emulates a smart card by using the card data base and a hardware security module. The emulator interacts with a pseudo card reader module in the server that imitates a physical card reader. The server also includes a client code module that interacts with the pseudo card reader and a remote payment or load server. A pass-through client terminal presents a user interface and passes information between the OPAL server and a merchant server, and between the OPAL server and a bank server.

US Patent:

20130091000, Apr 11, 2013

Filed:

Oct 10, 2012

Appl. No.:

13/648849

Inventors:

Visa International Service Association - San Francisco CA, US
Margaret Reid - San Mateo CA, US
Joseph Bjorn Ovick - San Francisco CA, US
Mark Carlson - Half Moon Bay CA, US
Patrick Stan - Pacifica CA, US
Patrick Wright - Mountain View CA, US
Kris Koganti - Cupertino CA, US
Glenn Powell - Fremont CA, US

Assignee:

VISA INTERNATIONAL SERVICE ASSOCIATION - San Francisco CA

International Classification:

G06Q 30/02

US Classification:

705 1423

Abstract:

A system and method includes a transaction handler configured to modify the transaction amount, in the authorization request or the authorization response of a transaction, in accordance with an offer that is applicable to the transaction to apply the benefit of the offer to the transaction.

US Patent:

20130124287, May 16, 2013

Filed:

Nov 14, 2012

Appl. No.:

13/676535

Inventors:

Visa International Service Association - San Francisco CA, US
Mark Carlson - Half Moon Bay CA, US
Ryan Hagey - Alameda CA, US
Patrick Stan - Pacifica CA, US
Kris Koganti - Cupertino CA, US
Patrick Wright - Mountain View CA, US
Glenn Powell - Fremont CA, US
Margaret Reid - San Mateo CA, US
Phillip Lyle Kumnick - Phoenix AZ, US

Assignee:

Visa International Service Association - San Francisco CA

International Classification:

G06Q 30/02

US Classification:

705 1423

Abstract:

A system and method configured to use a transaction handler to modify the transaction amount of a transaction between an acquirer processor and an issuer processor, during the processing of the authorization of the transaction, in accordance with an offer that is applicable to the transaction to apply the benefit of the offer to the transaction and to provide information of the offer as applied to the transaction in the authorization response transmitted to the acquirer processor.

US Patent:

20130246150, Sep 19, 2013

Filed:

Mar 14, 2013

Appl. No.:

13/804435

Inventors:

Mark Carlson - Half Moon Bay CA, US
Ryan Hagey - Alameda CA, US
Margaret Reid - San Mateo CA, US
Patrick Stan - Pacifica CA, US
Patrick Wright - Mountain View CA, US
Krishna Prasad Koganti - Cupertino CA, US
Glenn Powell - Fremont CA, US
Phillip Lyle Kumnick - Phoenix AZ, US

Assignee:

VISA INTERNATIONAL SERVICE ASSOCIATION - San Francisco CA

International Classification:

G06Q 30/02

US Classification:

705 1426

Abstract:

A system includes a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing an account holder, into separate transactions with the issuer processor and at least one sponsor processor that is configured to provide the benefit of offers to applicable transactions. A portal is configured to notify the account holder of the award/redemption of the benefit of an offer using a communication channel separate from the transaction terminal that initiates and approves the transaction between the account holder and the merchant.

US Patent:

20130246273, Sep 19, 2013

Filed:

Mar 14, 2013

Appl. No.:

13/804450

Inventors:

Mark Carlson - Half Moon Bay CA, US
Ryan Hagey - Alameda CA, US
Margaret Reid - San Mateo CA, US
Patrick Stan - Pacifica CA, US
Patrick Wright - Mountain View CA, US
Krishna Prasad Koganti - Cupertino CA, US
Glenn Powell - Fremont CA, US
Phillip Lyle Kumnick - Phoenix AZ, US
Nancy L. Kim - San Francisco CA, US

Assignee:

VISA INTERNATIONAL SERVICE ASSOCIATION - San Francisco CA

International Classification:

G06Q 20/04
G06Q 20/40

US Classification:

705 44

Abstract:

A system includes a transaction terminal that is configured to examine an authorization response for an indicator, which, when set, causes the transaction terminal to communicate with a portal to obtain content relevant to the receipt for the transaction approved by the authorization response. The content may identify the benefit of an offer applied to the transaction, which is not reflected in the authorization response. The content may direct the user to select an option regarding the delivery of the receipt. Options presented for selection include suppression of the printing of the paper receipt in favor of an electronic receipt transmitted to a communication reference of the user, printing a mini paper receipt in addition to transmitting an electronic receipt, and/or printing the full paper receipt at the transaction terminal.

US Patent:

20130254008, Sep 26, 2013

Filed:

Mar 14, 2013

Appl. No.:

13/804479

Inventors:

Mark Carlson - Half Moon Bay CA, US
Ryan Hagey - Alameda CA, US
Margaret Reid - San Mateo CA, US
Patrick Stan - Pacifica CA, US
Patrick Wright - Mountain View CA, US
Krishna Prasad Koganti - Cupertino CA, US
Glenn Powell - Fremont CA, US
Phillip Lyle Kumnick - Phoenix AZ, US

Assignee:

VISA INTERNATIONAL SERVICE ASSOCIATION - San Francisco CA

International Classification:

G06Q 30/02

US Classification:

705 1426

Abstract:

To automate the redemption of offer benefits, data associating offers and payment accounts is stored in the data warehouse of a first transaction handler. If a payment account to which an offer is associated is in the payment processing network of a second transaction handler separate from the first transaction handler, the system uses a payment processor that is in both the payment processing network of the first transaction handler and the payment processing network of the second transaction handler to communicate with the first transaction handler to detect the authorization request in the payment account that satisfies the benefit redemption requirements of the respective offer and apply the offer benefit to the transaction when the authorization request is detected.