Visa Inc.

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.

Automatically generating an account profile

Abstract: A method for automatically generating an account profile for a user or household, including: determining a first key identification data element type; determining a first key identification data element value; determining a linking identification data element type different than the first key identification data element type; determining at least one linking identification data element value; determining at least one second key identification data element value; and generating an account profile for the user or profile, the user account profile comprising a plurality of key identification data element values associated with the at least one user. A system and computer program product for automatically generating an account profile for a user or household are also disclosed.

Method and system for increasing transaction accuracy and speed

Abstract: Methods and computing systems are disclosed for improving the speed and accuracy of transaction decisioning processing. A method includes receiving on a continual and real time basis, a plurality of indications associated with a user from a plurality of external data sources, generating a score based upon the plurality of indications, receiving an authorization request message for a transaction, applying, by the computer, the score to the authorization request message, and transmitting, by the computer, an authorization response message based upon the score.

System, Method, and Computer Program Product for Authenticating User Activity Based on Biometric Data

Abstract: A computer-implemented method for authenticating user activity based on biometric data includes receiving a transaction request; determining that the transaction request is associated with a potentially fraudulent transaction; communicating a transaction response, the transaction response including instructions to resend the transaction request after a predetermined time period; before the predetermined time period elapses, communicating an identification confirmation request and receiving an identification confirmation response including biometric data from a computing device; after the predetermined time period elapses, receiving the resent transaction request; based on receiving the resent transaction request, determining an authorization decision based at least partially on the biometric data; and based on the resent transaction request, communicating a second transaction response including the authorization decision. A system and computer program product are also disclosed.

Authentication with offline device

Abstract: A first user device can transmit an interaction request to a remote computer via a long range communication channel The first user device can receive an authentication request message from the remote computer and can then transmit the authentication request message to a second user device via a short range communication channel The first user device can then receive an authentication response message comprising a response value from the second user device via the short range communication channel The first user device can then transmit the authentication response message to the remote computer causing the remote computer to verify the response value and perform further processing if the response value is verified

System and method including accurate scoring and response

Abstract: A method includes a processing computer receiving a processing request message comprising user data from a remote server computer. The processing computer can then determine latent values associated with the processing request message based on the user data and a multiplex graph. The processing computer can then normalize the latent values based on a community group in the multiplex graph. The community group can include at least a part of the user data. The processing computer can transmit a processing response message comprising at least one normalized latent value to the remote server computer.