Susan J French

US Patent:

8296232, Oct 23, 2012

Filed:

Mar 18, 2011

Appl. No.:

13/051996

Inventors:

John Tullis - San Francisco CA, US
Mark Norris - San Francisco CA, US
Vishwanath Shastry - Mountain View CA, US
Kate J. Kennedy - Roseville CA, US
Justin Mason Chace - Redwood City CA, US
Susan J. French - Foster City CA, US

Assignee:

Visa International Service Association - San Francisco CA

International Classification:

G06Q 40/00

US Classification:

705 39, 705 35, 705 38, 705 44, 705 75, 705 77

Abstract:

Methods and systems for anti money laundering screening are provided. A risk score and a first validation code is determined based on information related to a funds transfer transaction. The first validation code is associated with the risk score. Thereafter, a second validation code is calculated and compared with the first validation code. The risk score and the validation score are included in a payment authorization message sent to a payment processing network. The payment processing network extracts the validation code and communicates the payment authorization message including the risk score to a receiving financial institution. The receiving financial entity accepts or denies the incoming funds transfer based on the risk score included in the payment authorization message.

US Patent:

20110055077, Mar 3, 2011

Filed:

Sep 1, 2010

Appl. No.:

12/873961

Inventors:

Susan French - Foster City CA, US
John Tullis - San Francisco CA, US

International Classification:

G06Q 40/00

US Classification:

705 39

Abstract:

A portable consumer device with funds transfer processing systems and methods are disclosed. A sending entity may initiate a money transfer from one portable consumer device, such as a credit or debit card, to another portable consumer device through a money transfer system. A sending entity may initiate a payment request and the money transfer system may prompt the sending entity to use one of a plurality of payment account identifiers it possess. A recipient entity is defined by either an alias or a recipient entity personal account identifier. Additionally, an unregistered recipient entity may return a claim code to the money transfer system to claim a money transfer.

US Patent:

20110282780, Nov 17, 2011

Filed:

Apr 18, 2011

Appl. No.:

13/089231

Inventors:

Susan French - Foster City CA, US
Mark Carlson - Half Moon Bay CA, US
Alesia Panagiotides - San Mateo CA, US
Justin Chace - Redwood City CA, US
Kate Kennedy - Roseville CA, US
Ashwin Raj - Foster City CA, US
John Tullis - San Francisco CA, US
Vishwanath Shastry - Mountain View CA, US

International Classification:

G06Q 40/00

US Classification:

705 39, 705 35

Abstract:

A method for a value transfer operation includes determining a sender currency using the account information of the sender and a receiver currency using the BIN associated with the sender account. The method further includes determining a currency exchange rate, transaction fee, and currency markup fee based on the sender and receiver currencies and various attributes of the sender account and the receiver account.

US Patent:

8170953, May 1, 2012

Filed:

Mar 18, 2011

Appl. No.:

13/051993

Inventors:

John Tullis - San Francisco CA, US
Mark Norris - San Francisco CA, US
Vishwanath Shastry - Mountain View CA, US
Kate J. Kennedy - Roseville CA, US
Justin Mason Chace - Redwood City CA, US
Susan French - Foster City CA, US

Assignee:

Visa International Service Association - San Francisco CA

International Classification:

G06Q 40/00

US Classification:

705 39, 705 35, 705 38, 705 44, 705 75, 705 77

Abstract:

Methods and systems for anti money laundering screening are provided. The method includes determining a risk score and a first validation code associated with the risk score, based on information related to a funds transfer transaction and independently calculating a second validation code and comparing with the first validation code. The method further includes including the risk score and the validation score in a payment authorization message. The receiving financial entity accepts or denies the incoming funds transfer based on the risk score included in the payment authorization message.

US Patent:

20190244192, Aug 8, 2019

Filed:

Feb 12, 2019

Appl. No.:

16/273976

Inventors:

- San Francisco CA, US
Julian Hua - San Francisco CA, US
Gregory Kenneth Storey - Lilli Pilli, AU
Michael Mori - San Mateo CA, US
Abhinav Shrivastava - Redmond WA, US
Amit Bhargava - San Jose CA, US
Andrew Beck - San Francisco CA, US
Ayman Hammad - Pleasanton CA, US
Ben Pfisterer - Northcote, AU
Diane Salmon - Lafayette CA, US
Igor Karpenko - Sunnyvale CA, US
Jennifer Schulz - Pacific Palisades CA, US
Miroslav Gavrilov - Santa Clara CA, US
Peter Ciurea - Orinda CA, US
Patrick Faith - Pleasanton CA, US
Phillip Kumnick - Phoenix AZ, US
Saurav Chatterjee - Foster City CA, US
Sebastian Badea - Sunnyvale CA, US
Shaw Li - San Francisco CA, US
Shipra Jha - Fremont CA, US
Stacy Pourfallah - San Ramon CA, US
Susan French - Foster City CA, US
Tenni Theurer - San Jose CA, US
Theodore Harris - San Francisco CA, US
Thomas Purves - San Francisco CA, US
Vanita Pandey - Foster City CA, US
Victoria Graham - Centennial CO, US
Prakash Hariramani - San Francisco CA, US

International Classification:

G06Q 20/36
G06Q 30/00
G06Q 30/06
G06Q 20/32
G06Q 20/20
G07F 7/08

Abstract:

The UNIVERSAL ELECTRONIC PAYMENT APPARATUSES, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.

US Patent:

20150046241, Feb 12, 2015

Filed:

Apr 3, 2014

Appl. No.:

14/244488

Inventors:

- San Francisco CA, US
Susan French - Foster City CA, US
Victoria Graham - Centennial CO, US
Amit Bhargava - San Jose CA, US
Shipra Jha - Fremont CA, US
Nancy Kim - San Francisco CA, US

Assignee:

VISA INTERNATIONAL SERVICE ASSOCIATION - San Francisco CA

International Classification:

G06Q 30/02

US Classification:

705 1418, 705 1429, 705 1417

Abstract:

The UNIVERSAL VALUE EXCHANGE MULTIPOINT TRANSACTIONS APPARATUSES, METHODS AND SYSTEMS (“UVEMT”) transform cross-ecosystem currency exchange instructions via UVEMT components into cross-ecosystem currency exchanges. In one embodiment, the UVEMT may obtain a cross-ecosystem currency exchange instruction and determine one or more sources and destinations based on parsing the cross-ecosystem currency exchange instruction. The UVEMT may identify currency types associated with the sources and the destinations and determine exchange rates of the currency types relative to a standard currency. In one implementation, the UVEMT may obtain currency exchange restrictions and conditions associated with the sources and the destinations and generate a currency exchange flow path for currency transfer from the sources to the destinations. The UVEMT may also issue currency transfer requests to the sources and the destinations, determine that the cross-ecosystem currency exchange has been completed and provide a notification of completion of the cross-ecosystem currency exchange.

US Patent:

20140337175, Nov 13, 2014

Filed:

Feb 22, 2012

Appl. No.:

13/520481

Inventors:

Edward Katzin - San Francisco CA, US
Julian Hua - San Francisco CA, US
Gregory Kenneth Storey - Lilli Pilli, AU
Michael Mori - San Mateo CA, US
Abhinav Shrivastava - Redmond WA, US
Amit Bhargava - San Jose CA, US
Andrew Beck - San Francisco CA, US
Ayman Hammad - Pleasanton CA, US
Ben Pfisterer - Northcote, AU
Diane Salmon - Lafayette CA, US
Igor Karpenko - Sunnyvale CA, US
Jennifer Schulz - Pacific Palisades CA, US
Miroslav Gavrilov - Santa Clara CA, US
Peter Ciurea - Orinda CA, US
Patrick Faith - Pleasanton CA, US
Phillip Kumnick - Phoenix AZ, US
Saurav Chatterjee - Foster City CA, US
Sebastian Badea - Sunnyvale CA, US
Shaw Li - San Francisco CA, US
Shipra Jha - Fremont CA, US
Stacy Pourfallah - San Ramon CA, US
Susan French - Foster City CA, US
Tenni Theurer - San Jose CA, US
Theodore Harris - San Francisco CA, US
Thomas Purves - San Francisco CA, US
Vanita Pandey - Foster City CA, US
Victoria Graham - Centennial CO, US
Prakash Hariramani - San Francisco CA, US

Assignee:

VISA INTERNATIONAL SERVICE ASSOCIATION - San Francisco CA

International Classification:

G06Q 20/36
G06Q 20/32
G06Q 30/06

US Classification:

705 2662

Abstract:

The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.

Address:

615 Plymouth Ln, Foster City, CA 94404

Phone:

(650)8231353

VIN:

WBANE73527CM57499

Make:

BMW

Model:

5 SERIES

Year:

2007