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Institution

Visa Inc.

CompanyLondon, United Kingdom
About: Visa Inc. is a company organization based out in London, United Kingdom. It is known for research contribution in the topics: Database transaction & Transaction data. The organization has 1031 authors who have published 1076 publications receiving 36053 citations. The organization is also known as: Visa & Visa Inc.


Papers
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Patent
29 Jun 1995
TL;DR: In this article, an electronic commerce system has a credential binding server at a trusted credential authority, multiple computing units at associated participants, and a communication system interconnecting the credential bounding server and the multiple computation units.
Abstract: 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 electronic commerce system has a credential binding server at a trusted credential authority, multiple computing units at associated participants, and a communication system interconnecting the credential binding server and the multiple computing units. The electronic commerce system operates in two phases: a registration phase and a transaction phase. During the registration phase, each of the computing units generate and send a registration packet over the communication system to the credential binding server. Unique credentials are produced by the credential binding server based upon the registration packets sent back to the computing units. During the transaction phase, an originating computing unit initially requests, receives, and verifies the credentials of expected recipient computing units to ensure communication between authenticate participants. Thereafter, the originating computing unit signs and encrypts the commerce document(s) and the commerce instrument(s) in a manner which ensures that only the intended recipients can decrypt them. The originating computing unit then sends both the commerce document(s) and instrument(s) over the communication system to a first recipient computing unit. The first recipient computing unit decrypts and verifies the commerce document(s) and/or instruments intended for it. The first recipient computing unit then passes the balance of the encrypted commerce document(s) and/or instrument(s) over the communication system to a second recipient computing unit, which decrypts and verifies the commerce document(s) and/or instrument(s) intended for it. This process is continued until all commerce documents and commerce instruments are distributed, decrypted, and verified by their intended recipients.

928 citations

Patent
27 May 1997
TL;DR: A computer-implemented method for predicting financial risk, which includes receiving first transaction data pertaining to transactions performed on a first financial account, was proposed in this paper. But the method was not applied to the second financial account.
Abstract: 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 method further includes receiving second transaction data pertaining to transaction performed on a second financial account different from the first financial account. The second financial account represents a financial account issued to the given account holder by a second account issuer different from the first account issuer. There is further included scoring the first transaction data and the second transaction data based on a preexisting model to form a score for the account holder. Additionally, there is included transmitting, if the score is below a predefined financial risk threshold, the score to one of the first account issuer and the second account issuer.

806 citations

Patent
10 May 1995
TL;DR: In this paper, an automated purchasing control system which can be customized for a corporate customer is presented, where different authorization tests can be established for each position in a hierarchy, with a particular position being required to pass not only its own test, but the test of elements higher in the hierarchical tree.
Abstract: An automated purchasing control system which can be customized for a corporate customer. The system (94) receives an authorization request over the phone lines from a remote point-of-sale terminal (98) and processes the request using unique software. The software has a database customized to a corporate user (70) to establish that company's hierarchical structure. Elements of the hierarchical structure are independently reconfigurable, so that a company can specify different hierarchical relationships in the software for authorization, billing and reporting purposes. Different authorization tests can be established for each position in a hierarchy, with a particular position being required to pass not only its own test, but the test of elements higher in the hierarchical tree.

670 citations

Patent
16 Oct 1997
TL;DR: In this article, an architecture and system uses a smart card for payment of goods and/or services purchased on-line over the Internet, where 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.
Abstract: 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 Internet includes a computer and terminals that contain security cards to handle the transaction, data store and collection Also connected over the Internet is a merchant server advertising the goods and/or services offered by a merchant for sale on a web site The merchant contracts with an acquirer to accept smart card payments for goods and/or services purchased over the Internet A consumer uses his smart card at the client terminal in order to purchase goods and/or services from the remote merchant server The Internet provides the routing functionality between the client terminal, merchant server and payment server The client terminal emulates a security card in interacting with the smart card, and the responses received are grouped together and sent as a draw request message to the payment server The payment server then emulates the smart card in an interaction with the security card The security card delivers the expected smart card signature to the payment server and/or on to the client terminal or merchant server to reduce message traffic between the entities on the network The comparison of the smart card signature to an expected value can occur at any location Encryption is used for security

596 citations

Patent
08 Oct 1997
TL;DR: The Electronic Statement Presentment (ESP) system as mentioned in this paper replaces the preparation and mailing of paper statements and invoices from a biller with electronic delivery by using a central switch computer to coordinate template storage, validation, routing and message passing between billers, workstations and consumer financial institutions.
Abstract: An electronic statement presentment (ESP) system (200) replaces the preparations and mailing of paper statements and invoices from a biller (102) with electronic delivery. Electronic statements (224) have the same look as paper statements as well as including video, audio, graphics, and custom enclosures. Statements are segmented into mandatory and optional components to minimize download time. The ESP system (200) operates independently or is an enhancement to any suitable electronic bill payment system. A central switch computer (214) coordinates template storage, validation, routing and message passing between billers (102), workstations and consumer financial institutions (CFIs) (130). A template authoring workstation (TAWS) (210) creates a template (212) of static biller information to serve as a basis for the electronic statement. The template (212) is stored in a template library (216) at the switch (214). Batches of customer statement data (206) are sent from a biller's legacy invoicing system (204) to a statement origination workstation (SORG) (208) along with a template identifier. The batch of customer statement data is sorted by a statement generation workstation (SGEN) identifier associated with each customer record.

585 citations


Authors

Showing all 1032 results

NameH-indexPapersCitations
Ayman Hammad431156489
Mark Carlson421145417
Patrick Faith391015800
Selim Aissi31872974
Lisa J. Anderson31726418
Payman Mohassel281053784
Kevin P. Siegel28393496
Patrick Stan25421915
Gyan Prakash251332053
Konstantinos Markantonakis242082697
Glenn Powell23311834
Leigh Amaro23232331
John F. Sheets21411968
Edward W. Fordyce20232222
Krishna Prasad Koganti19231284
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Performance
Metrics
No. of papers from the Institution in previous years
YearPapers
20221
202137
2020138
2019118
201869
201761