Brian D Triplett

US Patent:

7822679, Oct 26, 2010

Filed:

Oct 29, 2001

Appl. No.:

10/020466

Inventors:

Jonathan Vaux - San Francisco CA, US
Brian Triplett - San Ramon CA, US
Michael Dreyer - Danville CA, US
Loraine Martin Yeakle - Danville CA, US
Alistair Duncan - Redwood City CA, US
Paulo Fernandes - Hayward CA, US

Assignee:

Visa U.S.A. Inc. - Foster City CA
Visa International Service Association - San Francisco CA

International Classification:

G06Q 40/00

US Classification:

705 38

Abstract:

A system for conducting a commercial transaction between a buyer and a seller is disclosed. The system includes a transaction processing system for facilitating payment for a transaction between the buyer and the seller. In addition to the buyer and the seller, the transaction processing system also interacts with an issuer and an acquirer. An electronic invoice relating to the transaction is first posted to the system by the seller or another system. Upon accepting the electronic invoice, the system creates a payment instruction. Each time a payment instruction is created, the system applies certain pre-negotiated payment terms and conditions between the buyer and the seller to the payment instruction. After the payment instruction is created, the system seeks approval from the buyer. Upon approval of the payment instruction by the buyer, the system schedules the payment for the specified date in the payment instruction.

US Patent:

20080128513, Jun 5, 2008

Filed:

Dec 4, 2006

Appl. No.:

11/566614

Inventors:

Ayman Hammad - Pleasanton CA, US
Phil Dixon - San Diego CA, US
Brian Triplett - El Dorado Hills CA, US

International Classification:

G06K 19/06

US Classification:

235492

Abstract:

An architecture for a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.

US Patent:

20090184163, Jul 23, 2009

Filed:

Mar 23, 2009

Appl. No.:

12/409380

Inventors:

Ayman Hammad - Pleasanton CA, US
Phil Dixon - San Diego CA, US
Brian Triplett - El Dorado Hills CA, US

International Classification:

G06K 1/00
G06K 19/00
G06K 7/00

US Classification:

235380, 235487

Abstract:

An architecture for a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.

US Patent:

20090239512, Sep 24, 2009

Filed:

Mar 23, 2009

Appl. No.:

12/409402

Inventors:

Ayman Hammad - Pleasanton CA, US
Phil Dixon - San Diego CA, US
Brian Triplett - El Dorado Hills CA, US

International Classification:

H04M 3/42
H04M 1/00

US Classification:

4554141, 4555501

Abstract:

An apparatus such as a mobile phone includes a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.

US Patent:

20090319287, Dec 24, 2009

Filed:

Jun 24, 2008

Appl. No.:

12/145346

Inventors:

Ayman Hammad - Pleasanton CA, US
Khalid El-Awady - Mountain View CA, US
Brian Triplett - San Ramon CA, US

International Classification:

G06Q 40/00

US Classification:

705 1

Abstract:

Methods and systems of authentication segmentation to selectively apply authentication tools to target high risk segments of transactions and entities. The methods and systems identify a plurality of fraud reduction tools and determine segmentation metrics associated with the plurality of fraud reduction tools. One or more segments are determined based on the segmentation metrics using fraud data and the best candidates of the one or more segments is identified. One or more fraud reduction tools is selected that target the best candidates.

US Patent:

20100108755, May 6, 2010

Filed:

Oct 29, 2009

Appl. No.:

12/608523

Inventors:

Zack Fuerstenberg - Toronto, CA
Ayman Hammad - Pleasanton CA, US
Brian Triplett - El Dorado Hills CA, US
Christopher M. Renton - Oakville, CA
Michael Stephenson - Toronto, CA

International Classification:

G06F 17/00
B65D 25/00
G06K 19/07

US Classification:

235375, 220694, 235492

Abstract:

A beverage holder apparatus includes a chip unit attached to a beverage holder and adapted to communicate with a chip unit reader to perform a payment transaction to purchase the beverage. The chip unit stores an account identifier associated with a financial account, and transmits the stored account identifier to the chip unit reader to perform the payment transaction.

US Patent:

20110004548, Jan 6, 2011

Filed:

Sep 14, 2010

Appl. No.:

12/881831

Inventors:

Jonathan Vaux - San Francisco CA, US
Brian Triplett - San Ramon CA, US
Michael Deyer - Danville CA, US
Loraine Martin Yeakle - Danville CA, US
Alistair Duncan - Redwood City CA, US
Paulo Fernandes - Hayward CA, US

Assignee:

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

International Classification:

G06Q 40/00

US Classification:

705 39

Abstract:

A system for conducting a commercial transaction between a buyer and a seller is disclosed. The system includes a transaction processing system for facilitating payment for a transaction between the buyer and the seller. In addition to the buyer and the seller, the transaction processing system also interacts with an issuer and an acquirer. The issuer issues and manages an account for the buyer. The acquirer manages an account for the seller. The transaction processing system operates as follows. An electronic invoice relating to the transaction is first posted to the system by the seller or another system. Upon accepting the electronic invoice, the system creates a payment instruction. Each time a payment instruction is created, the system applies certain pre-negotiated payment terms and conditions between the buyer and the seller to the payment instruction. After the payment instruction is created, the system seeks approval from the buyer. Upon approval of the payment instruction by the buyer, the system schedules the payment for the specified date in the payment instruction. On the scheduled day of payment, the system calculates one or more fees, such as a transaction fee, for the transaction according to a pre-defined variable pricing matrix, which is determined based on a set of pre-negotiated conditions agreed to by the issuer, the acquirer, the seller and the buyer. For example, the transaction fee is an amount used by the issuer and the acquirer to compensate each other for processing the payment on behalf of the buyer and the seller. After the transaction fee is calculated, information relating to the transaction fee and the payment instruction is formatted into a proper message format(s) and submitted for authorization, clearing and settlement. The issuer and the acquirer then communicate with one another directly or indirectly to settle the funds. Additionally, the system provides transaction and activity reports to all relevant parties as well as access to status information for invoices and payments.

US Patent:

20110004552, Jan 6, 2011

Filed:

Sep 15, 2010

Appl. No.:

12/882677

Inventors:

Jonathan Vaux - San Francisco CA, US
Brian Triplett - San Ramon CA, US
Michael Dreyer - Danville CA, US
Loraine Martin Yeakle - Danville CA, US
Alistair Duncan - Redwood City CA, US
Paulo Fernandes - Hayward CA, US

Assignee:

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

International Classification:

G06Q 40/00

US Classification:

705 44

Abstract:

A system for conducting a commercial transaction between a buyer and a seller is disclosed. The system includes a transaction processing system for facilitating payment for a transaction between the buyer and the seller. In addition to the buyer and the seller, the transaction processing system also interacts with an issuer and an acquirer. The issuer issues and manages an account for the buyer. The acquirer manages an account for the seller. The transaction processing system operates as follows. An electronic invoice relating to the transaction is first posted to the system by the seller or another system. Upon accepting the electronic invoice, the system creates a payment instruction. Each time a payment instruction is created, the system applies certain pre-negotiated payment terms and conditions between the buyer and the seller to the payment instruction. After the payment instruction is created, the system seeks approval from the buyer. Upon approval of the payment instruction by the buyer, the system schedules the payment for the specified date in the payment instruction. On the scheduled day of payment, the system calculates one or more fees, such as a transaction fee, for the transaction according to a pre-defined variable pricing matrix, which is determined based on a set of pre-negotiated conditions agreed to by the issuer, the acquirer, the seller and the buyer. For example, the transaction fee is an amount used by the issuer and the acquirer to compensate each other for processing the payment on behalf of the buyer and the seller. After the transaction fee is calculated, information relating to the transaction fee and the payment instruction is formatted into a proper message format(s) and submitted for authorization, clearing and settlement. The issuer and the acquirer then communicate with one another directly or indirectly to settle the funds. Additionally, the system provides transaction and activity reports to all relevant parties as well as access to status information for invoices and payments.