Jie M Feng

US Patent:

8346662, Jan 1, 2013

Filed:

May 16, 2008

Appl. No.:

12/122573

Inventors:

Ayse Korgav - San Mateo CA, US
Raymond P. P. Chan - Mountain View CA, US
Jie Feng - Foster City CA, US
Michele Ann Colgan - Alameda CA, US

Assignee:

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

International Classification:

G06Q 40/00

US Classification:

705 40, 705 39, 705 42, 715706

Abstract:

A consumer installs a desktop application on a computer which renders a user interface on the computer's desktop. Upon installation, the desktop application is registered to receive offers and alerts. Each alert includes data for a transaction on an account conducted with a merchant where the account was issued by an issuer to an account holder to conduct transactions on the account with merchants. A received alert is rendered on the desktop. If the consumer, upon review of the rendered alert, deems the corresponding transaction to be fraudulent, the consumer can operate the user interface to activate a live chat with a web service, and use the live chat to send information sufficient to initiate a bona fide dispute of the transaction. The offers are rendered on the user interface as advertisement and are selectable to initiate a transaction on the account.

US Patent:

20130054463, Feb 28, 2013

Filed:

Aug 15, 2012

Appl. No.:

13/586752

Inventors:

Ray Olson - Half Moon Bay CA, US
David White - Oakland CA, US
Shaun Bodington - San Leandro CA, US
Jie Feng - Foster City CA, US

International Classification:

G06Q 20/38
G06Q 20/40

US Classification:

705 44, 705 39

Abstract:

Embodiments of the present invention include a dynamic and auditable rules-based spend requirement management (SRM) server configured to receive transaction data associated with a payment transaction involving an issuer of an account, where the account is associated with a first set of account level requirements (e.g., a minimum spend requirement) and a first interchange rate. The SRM is further configured to determine that the transaction data is not within the first set of account level requirements, but is within a second set of account level requirements associated with a second interchange rate, and associate the account to the second set of account level requirements by way of a final product identifier stored in a database accessible by a payment processing network (PPN).