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.

System, method, and computer program product for maintaining user privacy in group transactions

Abstract: Methods are provided for maintaining user privacy, and may include establishing a secret key for communication between a plurality of user devices, the plurality of user devices including a first user device associated with a requesting user and a second user device associated with a second user, wherein at least one server computer does not have access to the secret key; receiving from the first user device, a split-payment request message comprising encrypted data, the encrypted data included in the split-payment request message encrypted based on the secret key; generating an encrypted balance for the requesting user and the second user based on the encrypted data of the split-payment request message; and transmitting to the second user device, a split-payment confirmation message including the encrypted balance for the requesting user and/or the second user. Systems and computer program products are also provided.

Method, System, and Computer Program Product for Representing an Identifier With a Sequence of Words

Abstract: Provided is a method for representing an identifier (e.g., primary account number (PAN)) of a customer with a sequence of words. The method may include dividing the identifier (e.g., PAN) of a customer into a plurality of subsets of digits. A respective word from a database of words may be determined for each respective subset of digits of the plurality of subsets of digits. The respective words for the plurality of subsets of digits may be combined into a sequence of words. The sequence of words may be provided to a customer device of the customer. A system and computer program product are also disclosed.

Digital fiat currency

Abstract: Techniques are disclosed which include receiving, by a central entity computer, a request for digital currency. The request includes a serial number and a denomination of a physical currency. The central entity computer generates the digital currency for the denomination and linked to the serial number. The generating includes recording the digital currency on a blockchain. The central entity computer transmits a notification of the generation of the digital currency. The central entity computer causes removal of the physical currency from circulation in a fiat currency system.

Electronic Notification Apparatus

Abstract: An electronic notification apparatus is disclosed. The electronic notification apparatus may include an image capture device which can scan a machine readable code on a physical object. A communication may thereafter be initiated to complete the transfer of the physical object to a user.

Card-linked merchant promotional credit processing

Abstract: A system of servers and algorithms allows merchants to award value to a customer when certain criteria have been met, such as buy $100 worth of clothing and get a $20 credit toward a future purchase. Unlike a gift card, the funding for the award is held by the merchant until the award is used, at which time the award funds are transferred to the user's designated account, such as an open loop credit or debit card.