Victoria L Graham

20120233073, Sep 13, 2012

Jan 11, 2012

13/348634

Diane Salmon - Lafayette CA, US
Susan French - , US
Victoria Graham - Centennial CO, US
Amil Bhargava - San Jose CA, US
Shipra Jha - Fremont CA, US
Mark Carlson - Half Moon Bay CA, US
Edward Katzin - San Francisco CA, US
Julian Hua - San Francisco CA, US

G06Q 40/00
G06Q 30/06

705 44, 705 39

The UNIVERSAL VALUE EXCHANGE APPARATUSES, METHODS AND SYSTEMS (“UVE”) transform cross-ecosystem currency exchange instructions via UVE components into cross-ecosystem currency exchanges. In one embodiment, the UVE 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 UVE 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 UVE 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 UVE 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.

20190244192, Aug 8, 2019

Feb 12, 2019

16/273976

- 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

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

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.

20150046241, Feb 12, 2015

Apr 3, 2014

14/244488

- 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

VISA INTERNATIONAL SERVICE ASSOCIATION - San Francisco CA

G06Q 30/02

705 1418, 705 1429, 705 1417

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.

20140337175, Nov 13, 2014

Feb 22, 2012

13/520481

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

VISA INTERNATIONAL SERVICE ASSOCIATION - San Francisco CA

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

705 2662

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.