Sara Jane Garrison

US Patent:

7407094, Aug 5, 2008

Filed:

Sep 11, 2006

Appl. No.:

11/519276

Inventors:

Joan Myers - Danville CA, US
Sara Garrison - Orinda CA, US
Mark Steven Carlson - Half Moon Bay CA, US

Assignee:

Visa U.S.A. Inc. - San Francisco CA

International Classification:

G06K 5/00

US Classification:

235380, 235379

Abstract:

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 device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.

US Patent:

7694287, Apr 6, 2010

Filed:

Jun 29, 2005

Appl. No.:

11/172397

Inventors:

Thakur L. Singh - Fremont CA, US
Sara K. Garrison - Orinda CA, US
Mark Carlson - Half Moon Bay CA, US
Kamlakar Singh - Foster City CA, US
Shajen Devassey - Foster City CA, US

Assignee:

Visa U.S.A. - San Francisco CA

International Classification:

G06F 9/45

US Classification:

717143, 717142, 717147

Abstract:

A parse/build engine that can handle multi-format financial messages. The engine converts the different format messages into a common format, and the common format message is then processed by the business service application. A parser examines the message and determines an appropriate schema for the particular format of message received. The schema is a data structure in a schema registry that includes a grammar structure for the received format as well as pointers to handlers for converting the different fields of the message into the internal message format using the grammar structure (the “grammar” can include field sequence, field type, length, character encoding, optional and required fields, etc. ). The handlers are individually compiled. As formats change, new formats or changes to old formats can be dynamically added to the parse/build engine by loading new schema and handlers.

US Patent:

7774402, Aug 10, 2010

Filed:

Jun 29, 2005

Appl. No.:

11/171516

Inventors:

Thakur Singh - Fremont CA, US
Sara K. Garrison - Orinda CA, US
Mark Carlson - Half Moon Bay CA, US
Rosauro E. Manansala - Brisbane CA, US
Kamlakar Singh - Foster City CA, US

Assignee:

VISA U.S.A. - San Francisco CA

International Classification:

G06F 15/16

US Classification:

709201

Abstract:

Application level switching of transactions at a gateway is provided. The gateway is configured to switch the transaction based on the application level content, a current state of a transport environment, and/or dynamic rules for switching transactions. For example, several possible service providers can be selected for the type of transaction, and the gateway can monitor not only the round-trip time through the network(s) to different possible service providers, but also the time required to complete the transaction at the application level and return a response. The application is chosen on the sending side of the network, and application level formatting is done on the sending side as well. The gateway uses modular code and data, and separate instances of processing code to allow dynamic updating. Rules for application service selection can be selectively uploaded to the gateway from a client.

US Patent:

8096468, Jan 17, 2012

Filed:

Oct 30, 2007

Appl. No.:

11/928700

Inventors:

Joan Myers - Danville CA, US
Sara Garrison - Orinda CA, US

Assignee:

Visa U.S.A. Inc. - San Francisco CA

International Classification:

G06K 5/00

US Classification:

235381, 235380

Abstract:

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 device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.

US Patent:

8555262, Oct 8, 2013

Filed:

Feb 17, 2010

Appl. No.:

12/707634

Inventors:

Thakur L. Singh - Fremont CA, US
Sara K. Garrison - Orinda CA, US
Mark Carlson - Half Moon Bay CA, US
Kamlakar Singh - Foster City CA, US
Shajen Devassey - Foster City CA, US

Assignee:

Visa U.S.A. Inc. - San Francisco CA

International Classification:

G06F 9/45
G06F 9/44

US Classification:

717143, 717104, 717107, 717136

Abstract:

A parse/build engine that can handle multi-format financial messages. The engine converts the different format messages into a common format, and the common format message is then processed by the business service application. A parser examines the message and determines an appropriate schema for the particular format of message received. The schema is a data structure in a schema registry that includes a grammar structure for the received format as well as pointers to handlers for converting the different fields of the message into the internal message format using the grammar structure (the “grammar” can include field sequence, field type, length, character encoding, optional and required fields, etc. ). The handlers are individually compiled. As formats change, new formats or changes to old formats can be dynamically added to the parse/build engine by loading new schema and handlers.

US Patent:

8567671, Oct 29, 2013

Filed:

May 2, 2012

Appl. No.:

13/462745

Inventors:

Joan Myers - Danville CA, US
Sara Garrison - Orinda CA, US
Mark Carlson - Half Moon Bay CA, US

Assignee:

Visa U.S.A. Inc. - San Francisco CA

International Classification:

G06K 5/00

US Classification:

235380, 235382

Abstract:

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 device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.

US Patent:

8639846, Jan 28, 2014

Filed:

Jun 24, 2010

Appl. No.:

12/822866

Inventors:

Thakur Singh - Fremont CA, US
Sara K. Garrison - Orinda CA, US
Mark Carlson - Half Moon Bay CA, US
Rosauro E. Manansala - Brisbane CA, US
Kamlakar Singh - Foster City CA, US

Assignee:

Visa U.S.A. Inc. - San Francisco CA

International Classification:

G06F 15/16

US Classification:

709246

Abstract:

Application level switching of transactions at a gateway is provided. The gateway is configured to switch the transaction based on the application level content, a current state of a transport environment, and/or dynamic rules for switching transactions. For example, several possible service providers can be selected for the type of transaction, and the gateway can monitor not only the round-trip time through the network(s) to different possible service providers, but also the time required to complete the transaction at the application level and return a response. The application is chosen on the sending side of the network, and application level formatting is done on the sending side as well. The gateway uses modular code and data, and separate instances of processing code to allow dynamic updating. Rules for application service selection can be selectively uploaded to the gateway from a client.

US Patent:

8205794, Jun 26, 2012

Filed:

Oct 31, 2008

Appl. No.:

12/263298

Inventors:

Joan Myers - Danville CA, US
Sara Garrison - Orinda CA, US
Mark S. Carlson - Half Moon Bay CA, US

Assignee:

Visa U.S.A. Inc. - San Francisco CA

International Classification:

G06K 5/00

US Classification:

235380, 235382

Abstract:

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 device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.