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0 | V | 2015 | Visa Inc., which we refer to as Visa or the Company, is a global payments technology company that connects consumers, businesses, financial institutions and governments in more than 200 countries and territories to fast, secure and reliable electronic payments. We operate one of the world's most advanced processing net... | [-0.011424955911934376, -0.005634536501020193, -0.0020394749008119106, -0.03400856629014015, -0.005783924832940102, 0.0035301099997013807, -0.04666110500693321, -0.02139499969780445, 0.0023528654128313065, -0.03317718952894211, 0.0013680394040420651, -0.010775442235171795, -0.0030023797880858183, -0.03413847088813782, ... |
1 | V | 2015 | Visa Inc. was incorporated in the State of Delaware in May 2007. In October 2007, we undertook a reorganization in which Visa U.S.A. Inc., Visa International Service Association, Visa Canada Corporation and Inovant LLC became direct or indirect subsidiaries of Visa Inc. Visa Europe Limited remains owned and governed by... | [-0.006294320337474346, -0.019401472061872482, -0.006478096358478069, -0.03470736742019653, -0.028038933873176575, 0.011853537522256374, -0.030428018420934677, -0.012975882738828659, 0.00015229187556542456, -0.0032767876982688904, 0.008630897849798203, -0.017130527645349503, 0.0004889748524874449, -0.02327388897538185,... |
2 | V | 2015 | •Product innovation. Visa’s fundamental approach to innovation focuses on: (i) supporting an evolving payments ecosystem; (ii) enhancing payment system security through innovation; and (iii) developing new platforms, products and services. | [-0.011823390610516071, 0.0017430222360417247, -0.0017281104810535908, -0.0043940069153904915, -0.013367588631808758, 0.007873423397541046, -0.03560272231698036, -0.023474467918276787, -0.009974328801035881, -0.031440675258636475, 0.02815345488488674, 0.00752879586070776, -0.005149537231773138, -0.018344812095165253, 0... |
3 | V | 2015 | i.Evolving payments ecosystem. By providing new and existing clients and partners greater access to Visa’s network and payment capabilities, Visa is contributing to the evolving payments ecosystem. Through Visa's new developer center, financial institutions, software, cloud computing and other technology companies and ... | [0.0006090628448873758, -0.019289633259177208, -0.010078967548906803, -0.005333370063453913, -0.014467225410044193, 0.016230544075369835, -0.03499919921159744, -0.01341190654784441, -0.015415676869452, -0.031258825212717056, 0.025287587195634842, -0.0037203344982117414, 0.0007906545652076602, -0.030644334852695465, -0.... |
4 | V | 2015 | ii.Enhancing payment system security through innovation. During 2015, Visa continued to make strides to enhance the security of the broader payments ecosystem with the following programs: | [-0.02471727319061756, -0.011363265104591846, -0.007722477428615093, -0.01919930800795555, 0.006710405461490154, 0.006266162730753422, -0.04681584984064102, -0.020081114023923874, -0.0066369217820465565, -0.03241302818059921, 0.018370945006608963, -0.009572932496666908, -0.007007680833339691, -0.014362739399075508, 0.0... |
5 | V | 2015 | a.Tokenization: Tokenization replaces account numbers with digital tokens for online and mobile payments. This benefits merchants and our financial institution clients by removing sensitive account information from online and mobile payments and has the potential to reduce fraud risk. Visa has been working with several... | [-0.016468454152345657, -0.0022904362995177507, 0.0008128295885398984, -0.021926797926425934, -0.01445326954126358, 0.02721165120601654, -0.04705653712153435, -0.0061990246176719666, -0.009648858569562435, -0.03694058209657669, 0.030187716707587242, 0.00962884072214365, -0.011790825054049492, -0.008681303821504116, -0.... |
6 | V | 2015 | b.EMV chip payment technology: Visa is addressing fraud at the physical point-of-sale by working with merchants and our financial institution clients in the U.S. to introduce EMV-chip payment technology. | [-0.014489419758319855, -0.007102275732904673, -0.001457520411349833, -0.02594888024032116, -0.02796885371208191, 0.014398779720067978, -0.029341397807002068, -0.019966652616858482, -0.021585220471024513, -0.031827520579099655, 0.0264279767870903, 0.007251183968037367, -0.010611331090331078, -0.018192702904343605, -0.0... |
7 | V | 2015 | c.Fraud and data analytics: As an industry leader in payment security, we enhanced our real-time data analytics capabilities. When combined with Visa’s centralized network structure, these capabilities help our financial institution clients and merchants identify and address fraud. | [-0.009632843546569347, -0.008558797650039196, 0.0005760406493209302, -0.030073266476392746, -0.024139167740941048, 0.02097073383629322, -0.030341777950525284, -0.009223363362252712, 0.00021627747628372163, -0.04057205840945244, 0.02036658301949501, 0.02667659893631935, -0.0033849207684397697, -0.01927911303937435, -0.... |
8 | V | 2015 | iii.New platforms, products and services. Visa continues to develop new platforms, products and services to benefit clients, merchants, consumers and other partners. | [-0.013030710630118847, -0.02220146916806698, 0.009056040085852146, -0.02160762995481491, 0.0056785824708640575, 0.015885185450315475, -0.03201330453157425, -0.023510614410042763, -0.0012880563735961914, -0.026452815160155296, 0.02097330242395401, 0.003910562954843044, -0.00021140741591807455, -0.02904411032795906, -0.... |
9 | V | 2015 | a.Bangalore Technology Center: We are investing in internal technology resources and have recently opened a new technology development center in Bangalore, India that will play a central role in the Company’s efforts to accelerate digital commerce globally. The new technology center, a combination of office and collabo... | [-0.001494013937190175, -0.010542823001742363, 0.008764434605836868, -0.021810421720147133, 0.0050499518401920795, 0.031245946884155273, -0.04123176634311676, -0.018240224570035934, 0.0025551747530698776, -0.029823236167430878, 0.015367958694696426, -0.004355373792350292, 0.012958746403455734, -0.02693754993379116, 0.0... |
10 | V | 2015 | b.Visa Checkout: Visa Checkout is a fast, simple and intuitive payment experience that allows consumers to pay for goods online on a smartphone, tablet, laptop or desktop, in just a few clicks. This service is presently available for eCommerce merchants and financial institutions in 16 countries around the world includ... | [-0.0035516878124326468, -0.0021480368450284004, 0.004212622065097094, -0.04141855612397194, -0.03308677673339844, 0.004406229127198458, -0.03244587033987045, -0.037172552198171616, -0.02018854208290577, -0.03492937982082367, 0.013592549599707127, -0.010488160885870457, -0.020816095173358917, -0.022071203216910362, 0.0... |
11 | V | 2015 | c.Visa payWave: With Visa payWave technology, consumers are able to pay for products and services via smart phone or other devices, and by using their contactless cards at physical retailers. | [-0.012618474662303925, -0.0032178442925214767, 0.0026654531247913837, -0.01658504270017147, -0.031067004427313805, 0.0045522344298660755, -0.030188502743840218, -0.034341420978307724, -0.012152602896094322, -0.02912365272641182, 0.02596903406083584, 0.006755143404006958, -0.014162507839500904, -0.012132637202739716, 0... |
12 | V | 2015 | d.Visa Direct: Visa Direct provides a fast, secure and convenient solution for Visa’s ecosystem of clients and partners. It enables customers to send and receive person-to-person payments and funds disbursements, and facilitates business to business settlements directly to eligible Visa account holders quickly and secu... | [-0.01578511670231819, -0.0016147702699527144, -0.0030052433721721172, -0.014098672196269035, -0.016783490777015686, 0.009248459711670876, -0.030625823885202408, -0.01778186671435833, -0.00045449667959474027, -0.022976113483309746, -0.0030693281441926956, 0.0025768866762518883, -0.006823353003710508, -0.010705547407269... |
13 | V | 2015 | e.mVisa: In August 2015, Visa and several banks in India launched a pilot program testing mVisa, a mobile application, in India. The service extends the utility of existing Visa accounts by linking a consumer’s Visa debit, credit or prepaid accounts to the mVisa mobile application that enables purchases in store, onlin... | [-0.013958228752017021, -0.007591553498059511, 0.015088886022567749, -0.021603623405098915, -0.03028545342385769, 0.0020610932260751724, -0.03542724996805191, -0.019584592431783676, -0.006746925879269838, -0.025278257206082344, 0.001982014626264572, 0.00473126070573926, 0.0008934208890423179, -0.014658159576356411, -0.... |
14 | V | 2015 | •U.S. Regulation. Rules were implemented in the U.S. during 2011 and 2012 with respect to debit products under the Dodd-Frank Wall Street Reform and Consumer Protection Act (the "Dodd-Frank Act"), which regulates, among other things, debit interchange reimbursements rates, the availability of debit networks on a debit ... | [-0.014844086952507496, -0.0014369807904586196, -0.0008703427738510072, -0.0335223414003849, -0.0315253771841526, -0.0014078584499657154, 0.0008304035291075706, -0.0024745692498981953, -0.015602932311594486, -0.03698374330997467, 0.012194783426821232, -0.009192682802677155, 0.01608220301568508, -0.01672123186290264, -0... |
15 | V | 2015 | On November 2, 2015, the Company and Visa Europe entered into a transaction agreement pursuant to which the Company agreed to acquire Visa Europe. Closing of the acquisition is subject to various conditions including regulatory approvals, and is expected to occur in the fiscal third quarter of 2016. See Note 2—Visa Eur... | [-0.013537549413740635, -0.03368378058075905, 0.015906941145658493, -0.03972892835736275, -0.0283814650028944, 0.014971992000937462, -0.04239289462566376, -0.013537549413740635, -0.0046587358228862286, -0.015100066550076008, 0.019736388698220253, 0.005209458991885185, 0.01344789657741785, -0.025077125057578087, 0.02447... |
16 | V | 2015 | Visa's mission is to accelerate the electronification of commerce. We operate an open-loop payments network, VisaNet, through which Visa connects and manages the exchange of information and value between: (i) issuers — financial institutions that issue Visa-branded cards or payment products to account holders, and (ii)... | [-0.020800115540623665, -0.013116340152919292, 0.0009276136988773942, -0.023967986926436424, -0.005358422640711069, -0.00019093592709396034, -0.034266941249370575, -0.00739394873380661, -0.006355965044349432, -0.03607330471277237, 0.008027523756027222, 0.0006361020496115088, 0.0019074635347351432, -0.0236444603651762, ... |
17 | V | 2015 | Interchange reimbursement fees represent a transfer of value between the financial institutions participating in our open-loop payments network. On purchase transactions, interchange reimbursement fees are paid by the acquirers to the issuers. We generally do not receive any revenue related to interchange reimbursement... | [-0.004588379058986902, 0.0008505611913278699, 0.0015740366652607918, -0.028387481346726418, -0.02343030273914337, -0.0043890285305678844, 0.007003840059041977, -0.0006071877432987094, -0.005774513352662325, -0.021968401968479156, 0.024334024637937546, 0.003418857464566827, 0.004239515867084265, -0.030035443603992462, ... |
18 | V | 2015 | A typical Visa transaction begins when the account holder presents his or her Visa-branded card or payment product to a merchant as payment for goods or services. The transaction information is then transmitted | [-0.001923870644532144, -0.006410776637494564, 0.005833775270730257, -0.03394428268074989, -0.020325765013694763, 0.016117796301841736, -0.02212371490895748, -0.01639832742512226, -0.0020928268786519766, -0.046058133244514465, 0.025158554315567017, 0.010704818181693554, -0.017061401158571243, -0.02675248123705387, 0.01... |
19 | V | 2015 | electronically to the acquirer and routed through VisaNet to the issuer for authorization. Following authorization, a clearing file containing the final transaction data is submitted from the acquirer and processed for final settlement between the issuer and acquirer. The following diagram illustrates the processing st... | [-0.008145302534103394, -0.00661888625472784, -0.006294398568570614, -0.022184360772371292, -0.02950851060450077, 0.034620847553014755, -0.03488573431968689, -0.034064583480358124, -0.010059117339551449, -0.017204469069838524, 0.02850193716585636, 0.0028376115951687098, 0.002855822443962097, -0.016966069117188454, 0.01... |
20 | V | 2015 | Our operating revenues are principally comprised of service revenues, data processing revenues and international transaction revenues, and are reduced by costs incurred under client incentive arrangements. The Company has one reportable segment, Payment Services. | [-0.007586169987916946, 0.0016536435578018427, -0.003590401029214263, -0.02854304574429989, -0.007547563407570124, -0.0026445428375154734, -0.004848328419029713, 0.0011453251354396343, -0.019264625385403633, -0.027770916000008583, 0.013203410431742668, 0.029598288238048553, -0.014039884321391582, -0.014657587744295597,... |
21 | V | 2015 | •Service revenues consist of revenues earned for providing financial institution clients with support services for the delivery of Visa-branded payment products and solutions. Service revenues are primarily generated from payments volume on Visa-branded cards and payment products for purchased goods and services. | [-0.002140609547495842, -0.005746981129050255, 0.0010056387400254607, -0.00950424000620842, -0.0026513049378991127, -0.005398779641836882, -0.010890413075685501, -0.018172796815633774, -0.018623800948262215, -0.032923270016908646, 0.014962711371481419, 0.02973971515893936, -0.008748145774006844, -0.028970355167984962, ... |
22 | V | 2015 | •Data processing revenues consist of revenues earned for authorization, clearing, settlement, network access and other maintenance and support services that facilitate transaction and information processing among our clients globally and with Visa Europe. Data processing revenues are primarily generated from the number... | [-0.00497664837166667, -0.0008898642845451832, 0.011502319946885109, -0.04769672453403473, -0.01854872703552246, 0.017388606444001198, -0.008048327639698982, -0.009037066251039505, -0.019932959228754044, -0.0330897681415081, 0.013618218712508678, 0.019141968339681625, -0.017388606444001198, -0.015345214866101742, -0.00... |
23 | V | 2015 | •International transaction revenues consist of revenues earned for cross-border transaction processing and currency conversion activities. Cross-border transactions arise when the country of origin of the issuer is different from that of the merchant. International transaction revenues are primarily generated by cross-... | [0.006701096426695585, -0.019301723688840866, 0.007028135936707258, -0.0002591063966974616, -0.005928386468440294, -0.012465963140130043, -0.006188094150274992, -0.015428553335368633, -0.006585671100765467, -0.030985357239842415, 0.022905565798282623, 0.03149836137890816, -0.014787300489842892, -0.01378694549202919, 0.... |
24 | V | 2015 | •Client incentives consist of long-term contracts with financial institution clients and other business partners for various programs designed to build payments volume, increase Visa-branded card and product acceptance and win merchant routing transactions over our network. These incentives are primarily accounted for ... | [-0.024082647636532784, -0.013458345085382462, 0.004630503710359335, -0.008938651531934738, -0.011497349478304386, 0.00797830056399107, -0.029038865119218826, -0.007535061798989773, -0.02917318046092987, -0.04271211475133896, 0.01595660112798214, 0.02820611372590065, -0.017863871529698372, -0.0022900677286088467, -0.01... |
25 | V | 2015 | U.S. dollar settlements with our financial institution clients are typically settled within the same day and do not result in a receivable or payable balance. Settlement in currencies other than the U.S. dollar generally remain outstanding for one to two business days, resulting in amounts due from and to financial ins... | [-0.012832100503146648, 0.006614792160689831, 0.003610477549955249, -0.031109729781746864, -0.01918521709740162, -0.008870512247085571, -0.016071593388915062, -0.0038820914924144745, -0.018549242988228798, -0.021583369001746178, 0.027770865708589554, 0.015051385387778282, 0.0009581014746800065, 0.004120581783354282, 0.... |
26 | V | 2015 | In order to maintain the integrity of and minimize disruptions to our payments network, we indemnify our financial institution clients for settlement losses suffered due to the failure of any other client to fund its settlement obligations in accordance with our operating regulations. The settlement indemnification app... | [-0.014198359102010727, -0.0016217953525483608, 0.01351156085729599, -0.025391126051545143, -0.017611948773264885, 0.01440235786139965, -0.023582331836223602, 0.00034743649302981794, 0.0068407803773880005, -0.02524152770638466, 0.014878356829285622, 0.010233970358967781, 0.005021785385906696, -0.004644386470317841, 0.0... |
27 | V | 2015 | Visa provides a wide variety of payment solutions that support payment products that issuers can offer to their account holders: (i) pay now with debit; (ii) pay ahead with prepaid; or (iii) pay later with credit products. Visa also offers a growing suite of innovative digital, eCommerce, person-to-person payments and ... | [-0.01570761576294899, -0.002099144272506237, 0.00238524260930717, -0.0263145063072443, -0.02439192682504654, 0.007154093123972416, -0.0346587672829628, -0.01587763987481594, -0.012647180818021297, -0.03672521561384201, 0.009867940098047256, -0.0013520189095288515, -0.013549616560339928, -0.022299321368336678, 0.004518... |
28 | V | 2015 | •Debit. Our debit payment solutions support issuers' payment products that draw on demand deposit accounts, such as checking accounts. | [-0.008238483220338821, -0.005267716478556395, -0.0008011941099539399, -0.020752213895320892, -0.029209770262241364, 0.015454623848199844, -0.024509651586413383, -0.02004852332174778, 0.011106351390480995, -0.027483738958835602, 0.019012905657291412, 0.01367548294365406, -0.0016986477421596646, -0.011577690951526165, -... |
29 | V | 2015 | •Prepaid. Our prepaid payment solutions support issuers' payment products that access a pre-funded amount, allowing account holders to enjoy the convenience and security of a payment card in lieu of cash or checks. | [0.004786175210028887, 0.004222902003675699, -0.006074127741158009, -0.017036544159054756, -0.03228115662932396, 0.009881986305117607, -0.01372937299311161, -0.01270164642482996, 0.002447438659146428, -0.009723874740302563, 0.03009394183754921, 0.0016931137070059776, -0.02081805095076561, -0.02748509868979454, 0.013334... |
30 | V | 2015 | •Credit. Our credit payment solutions support issuers' deferred payment and customized financing products. | [-0.0010445844382047653, -0.012015615589916706, 0.0025854085106402636, -0.004323901608586311, -0.010990054346621037, 0.0031775878742337227, -0.018023423850536346, -0.0019436052534729242, 0.004323901608586311, -0.010162987746298313, 0.011393662542104721, 0.027736486867070198, -0.015006287023425102, -0.017295606434345245... |
31 | V | 2015 | Our core processing services involve the routing of payment information and related data to facilitate the authorization, clearing and settlement of transactions between our issuers and acquirers. VisaNet is built on a centralized architecture, enabling us to view and analyze each authorization transaction we process i... | [-0.022171441465616226, 0.0029932809993624687, 0.0054916637018322945, -0.026567501947283745, -0.01710641384124756, 0.007863761857151985, -0.02419199049472809, -0.02600775472819805, 0.004969460889697075, -0.032683759927749634, 0.016928931698203087, -0.001841362682171166, -0.005218616686761379, -0.021789174526929855, 0.0... |
32 | V | 2015 | Visa's processing services continue to expand to address the needs of participants in the evolving payments ecosystem, through such offerings as our merchant gateway and Visa Debit Processing Services ("DPS"). Merchant gateway services provided through our CyberSource subsidiaries enable gateway routing and other servi... | [-0.018442075699567795, 0.007504391483962536, -0.009153186343610287, -0.01988052949309349, -0.04421212896704674, 0.02871481329202652, -0.013801023364067078, -0.017926402390003204, 0.00875964667648077, -0.040358155965805054, 0.01639295555651188, 0.01196902897208929, -0.015456602908670902, -0.017926402390003204, 0.005536... |
33 | V | 2015 | VisaNet consists of multiple synchronized processing centers, including two data centers in the U.S. that are linked by a global telecommunications network and are engineered for redundancy. In addition, in accordance with the terms of the Framework Agreement among Visa Inc., Visa Europe Limited and others, Visa Europe... | [-0.01273197028785944, -0.010208576917648315, 0.022081375122070312, -0.03125488758087158, -0.015113295055925846, 0.019551217555999756, -0.02608633227646351, -0.022081375122070312, 0.004941925406455994, -0.028548838570713997, 0.005642116069793701, -0.004370272159576416, -0.007962554693222046, -0.02719581313431263, 0.005... |
34 | V | 2015 | Visa also owns and manages additional data centers in the U.S. and internationally that enable transaction services and provide uninterrupted connectivity for account holders, our financial institution clients and our processing partners. | [-0.00870850495994091, -0.021176746115088463, 0.017377154901623726, -0.03414318710565567, -0.015211652964353561, 0.016978595405817032, -0.043070897459983826, 0.003223342588171363, 0.023475101217627525, -0.027473971247673035, 0.007001345977187157, 0.007918030954897404, -0.005762492772191763, -0.018997959792613983, 0.015... |
35 | V | 2015 | Our portfolio of trademarks, in particular our family of Visa marks, our PLUS mark and our Dove design mark, are important to our business. Through agreements with our issuers, we authorize the use of our trademarks in connection with their participation in our payments network. We own a number of patents and patent ap... | [-0.011730567552149296, -0.005875298287719488, -0.0007544417167082429, -0.0423288531601429, -0.01633065938949585, 0.007037005387246609, -0.021217839792370796, 0.0037655322812497616, -0.0015664680395275354, -0.036960966885089874, 0.0095139779150486, 0.0026188474148511887, -0.01611701212823391, -0.014314363710582256, 0.0... |
36 | V | 2015 | We generally do not experience any pronounced seasonality in our business. No individual quarter of fiscal 2015 or fiscal 2014 accounted for more than 30% of our operating revenues in those years. | [-0.007263923995196819, -0.01378480065613985, 0.018255893141031265, -0.024584602564573288, -0.0027928315103054047, -0.0036735981702804565, -0.0181149709969759, 0.0024293148890137672, -0.01477126032114029, -0.003667192766442895, 0.017769070342183113, 0.022137673571705818, 0.005864305421710014, 0.00449030939489603, -0.00... |
37 | V | 2015 | Payments settlement due to and from our financial institution clients can represent a substantial daily working capital requirement. U.S. dollar settlements are typically settled within the same day and do not result in a receivable or payable balance, while settlement in currencies other than the U.S. dollar generally... | [-0.005234432872384787, 0.007188576739281416, 0.00888550840318203, -0.03337744250893593, -0.02144547551870346, -0.01027512177824974, -0.014377153478562832, 0.0013795921113342047, -0.01461766380816698, -0.021779516711831093, 0.02466563694179058, 0.0161809790879488, -0.004583051893860102, 0.010949886403977871, 0.01012146... |
38 | V | 2015 | For more information on the concentration of our operating revenues and other financial information, see Item 8—Financial Statements and Supplementary Data—Note 13—Enterprise-wide Disclosures and Concentration of Business included elsewhere in this report. | [-0.019133761525154114, -0.009463733062148094, 0.010230888612568378, -0.03509575128555298, 0.0018292468739673495, 0.008612771518528461, -0.018721172586083412, 0.012197127565741539, -0.006504705175757408, -0.02235710434615612, 0.02270522527396679, 0.03901533782482147, -0.01597488485276699, 0.009605560451745987, -0.01566... |
39 | V | 2015 | We compete in the global payment marketplace against all forms of payment. These include: | [-0.025181537494063377, 0.0035096104256808758, 0.006750272586941719, -0.021329931914806366, -0.018328335136175156, 0.008666114881634712, -0.02969721332192421, 0.01846114918589592, -0.002603154629468918, -0.03354882076382637, 0.004419386386871338, 0.017186133190989494, -0.010704809799790382, -0.041836414486169815, 0.019... |
40 | V | 2015 | •other electronic payments, including wire transfers, electronic benefits transfers, automated clearing house ("ACH") and electronic data interchange. | [-0.041345853358507156, -0.013072393834590912, 0.0018185123335570097, -0.029435740783810616, -0.023376209661364555, 0.010950252413749695, -0.015501430258154869, -0.00943536963313818, -0.0038165906444191933, -0.011165731586515903, 0.009115415625274181, 0.0031162837985903025, -0.011968879960477352, 0.0021433632355183363,... |
41 | V | 2015 | Based on payments volume, total volume and number of transactions, Visa is the largest retail electronic payments network used throughout the world. The following chart compares our network with those of our major competitors for calendar year 2014: | [-0.009419417940080166, -0.016543293371796608, 0.003709416836500168, -0.029752278700470924, 0.003119500819593668, -0.009791321121156216, -0.0254689771682024, 0.0029014884494245052, -0.01197785697877407, -0.0494503416121006, -0.0009706360287964344, 0.01000292133539915, -0.003911398816853762, -0.025635693222284317, 0.005... |
42 | V | 2015 | (1) UnionPay, which operates primarily within the Chinese domestic market, is not included in this table because Visa currently does not compete in that market under local law. Although we are uncertain how UnionPay reports certain volumes, reportedly its numbers could approach or exceed some of those listed in this ch... | [0.002845974173396826, -0.01729937642812729, 0.02389516867697239, -0.024296876043081284, -0.03395083546638489, 0.0023632762022316456, -0.02843058481812477, -0.005206010770052671, -0.033458419144153595, -0.030115168541669846, 0.007554708514362574, 0.012167875654995441, -0.02244383469223976, -0.02184775099158287, -0.0012... |
43 | V | 2015 | (2) The data presented are provided by our financial institution clients. Previously submitted information may be updated and all data are subject to review by Visa. Visa Europe data are not included. | [-0.009234512224793434, -0.02474982663989067, 0.009841256774961948, -0.03541785478591919, -0.022322850301861763, 0.030537232756614685, -0.04016513004899025, -0.00546069722622633, -0.01150146871805191, -0.04811280965805054, 0.004463903605937958, 0.012601609341800213, -0.0108280498534441, -0.021976139396429062, -0.004937... |
44 | V | 2015 | (3) MasterCard, American Express, JCB, and Discover/Diners Club data sourced from The Nilson Report issue 1060 (March 2015). Includes all consumer and commercial credit, debit and prepaid cards. Some figures are estimates and currency figures are in U.S. dollars. MasterCard excludes Maestro and Cirrus figures. American... | [-0.013335807248950005, -0.003370661986991763, 0.01449718326330185, -0.04690893366932869, -0.027766244485974312, 0.016419462859630585, -0.010325572453439236, -0.00368770444765687, -0.016339367255568504, -0.04330466315150261, 0.019770100712776184, 0.017901219427585602, -0.015658561140298843, -0.03217146545648575, -0.013... |
45 | V | 2015 | In the global debit network market segment, our Interlink and Visa Electron brands compete with Maestro, owned by MasterCard, and various regional and country-specific debit network brands, including STAR, NYCE and PULSE in the U.S., EFTPOS in Australia, NETS in Singapore and Interac in Canada. In addition to our PLUS ... | [-0.016229048371315002, -0.0022557165939360857, -0.011075046844780445, -0.05054420232772827, -0.009487130679190159, 0.006556885316967964, -0.0015509102959185839, 0.017440171912312508, -0.012239070609211922, -0.02190786972641945, -0.007280195131897926, 0.0007224685396067798, -0.03189290687441826, -0.034126754850149155, ... |
46 | V | 2015 | primarily to enable cross-border transactions, which typically constitute a small portion of our overall transaction volume. | [-0.0075482516549527645, -0.0124174440279603, 0.015417991206049919, -0.010180428624153137, -0.032470207661390305, 0.010300986468791962, -0.02949645183980465, -0.009436989203095436, -0.007039230316877365, -0.036435216665267944, 0.01673072949051857, 0.022048665210604668, 0.006392907351255417, -0.019275836646556854, 0.008... |
47 | V | 2015 | The global payments industry continues to undergo dynamic change. We may face increasing competition from emerging players in the payment space, many of which are non-financial institution networks that have departed from the more traditional business model. The emergence of these potentially competitive networks has p... | [-0.007352215703576803, -0.007583625614643097, 0.017785485833883286, -0.014201941899955273, -0.017838379368185997, 0.016674719750881195, -0.01606644317507744, 0.0122779356315732, -0.01281348429620266, -0.04493314400315285, 0.01794416643679142, 0.0043273610062897205, 0.01081013772636652, -0.020747529342770576, 0.0183540... |
48 | V | 2015 | We also face increasingly intense competitive pressure on the prices we charge our financial institution clients. We believe our fundamental value proposition of convenience, interoperability, accessibility and security offers us a key competitive advantage. We succeed in part because we understand the needs of the ind... | [-0.010783734731376171, -0.0063361115753650665, 0.007153566926717758, -0.016696104779839516, -0.004717884119600058, 0.019178498536348343, -0.027439801022410393, 0.002293879399076104, 0.0004529368889052421, -0.03827692195773125, -0.0003430392243899405, 0.00920888315886259, -0.0014322148635983467, -0.03865061327815056, -... |
49 | V | 2015 | At September 30, 2015, we employed approximately 11,300 persons worldwide. We consider our relationships with our employees to be good. | [-0.021712526679039, -0.006039797328412533, 0.008749059401452541, -0.04252837225794792, -0.02182781510055065, 0.012636818923056126, -0.018984051421284676, 0.031665705144405365, 0.011996331624686718, -0.0027428879402577877, -0.01419320423156023, 0.02148195169866085, -0.017946461215615273, -0.010087679140269756, -0.00586... |
50 | V | 2015 | Interchange reimbursement fees. We have historically set default debit interchange reimbursement rates in the U.S. and many other geographies. During fiscal 2012, the Federal Reserve implemented new rules under the Dodd-Frank Act, setting a cap on the maximum U.S. debit interchange reimbursement fee assessed for debit ... | [-0.02168234810233116, 0.006619176361709833, -0.005568726919591427, -0.040105607360601425, -0.03156734257936478, 0.0015546310460194945, -0.00656194007024169, 0.005046869162470102, -0.01109705213457346, -0.02941257506608963, 0.012221571989357471, 0.0038684809114784002, 0.03369517624378204, -0.021197523921728134, -0.0254... |
51 | V | 2015 | Certain jurisdictions outside the U.S. also regulate or have the power to regulate debit and credit interchange reimbursement rates in their regions. For example, the Reserve Bank of Australia regulates interchange reimbursement rates and the governing authorities in India regulate the merchant discount rate. In May 20... | [-0.010149206034839153, -0.00986415334045887, 0.009804490953683853, -0.04547587037086487, -0.030334923416376114, 0.005386172328144312, 0.0018180403858423233, 0.007444519083946943, -0.01377534307539463, -0.039827845990657806, 0.015127686783671379, -0.012429628521203995, 0.019688531756401062, -0.024779709056019783, -0.00... |
52 | V | 2015 | Network exclusivity and routing. The Dodd-Frank Act limits the issuers' and our ability to impose rules for, or choose various forms of, network exclusivity and preferred routing in the U.S. debit and prepaid network market segments. Other jurisdictions have enacted similar limitations. | [-0.016718612983822823, -0.021361932158470154, -0.0015994763234630227, -0.0301548819988966, -0.0369330570101738, 0.001641172799281776, -0.0059242332354187965, 0.0010107222478836775, -0.003966167569160461, -0.029621167108416557, 0.016531813889741898, 0.015277584083378315, 0.014463668689131737, -0.012121995911002159, -0.... |
53 | V | 2015 | U.S. Consumer Financial Protection Bureau. The Dodd-Frank Act created an independent Consumer Financial Protection Bureau (“CFPB”) with responsibility for most federal consumer protection laws in the area of financial services and new authority with respect to consumer protection issues, including those pertaining to u... | [-0.023345449939370155, 0.0024692302104085684, -0.0015688883140683174, -0.03388603776693344, -0.014535600319504738, 0.003250014502555132, 0.010085130110383034, 0.014978044666349888, -0.0005392291350290179, -0.02100309543311596, 0.030762899667024612, 0.01480887457728386, -0.0032028420828282833, -0.02510221302509308, -0.... |
54 | V | 2015 | No-surcharge rules. We have historically implemented rules that prohibit merchants from charging higher prices to consumers who pay using their Visa-branded card or payment product instead of other means. As part of the settlement reached in the interchange multidistrict litigation, however, Visa has agreed to modify o... | [-0.009289169684052467, -0.0084035350009799, 0.006422511767596006, -0.04368240386247635, -0.011260204948484898, 0.0030464481096714735, -0.0083968760445714, -0.023572515696287155, -0.01659398525953293, -0.046425871551036835, 0.016261041164398193, 0.007424676790833473, -0.0009647085680626333, -0.02573000080883503, -0.008... |
55 | V | 2015 | Data protection and information security. Aspects of our operations or business are subject to privacy and data protection laws in the U.S. and other jurisdictions globally. In accordance with governing law, we devote substantial resources to maintain and continually refine our information security program in order to ... | [0.0011709200916811824, -0.015161197632551193, 0.027195561677217484, -0.059225890785455704, -0.024988386780023575, 0.03647095710039139, -0.011068725027143955, 0.002382896142080426, 0.008953514508903027, -0.050922706723213196, 0.023516936227679253, -0.010260741226375103, -0.010260741226375103, -0.014806472696363926, -0.... |
56 | V | 2015 | Anti-money laundering, anti-terrorism and sanctioned countries. We are subject to anti-money laundering laws and regulations, including the U.S. Bank Secrecy Act and the PATRIOT Act. In addition, we are also subject to the economic and trade sanctions programs administered by the U.S. Department of the Treasury, Office... | [-0.01596297323703766, -0.03969808295369148, -0.005780035629868507, -0.036950357258319855, -0.0247556921094656, 0.016172323375940323, -0.013490020297467709, 0.011632035486400127, -0.011520817875862122, -0.011651661247015, 0.015923719853162766, -0.0023372017312794924, 0.005044037476181984, -0.006146398838609457, -0.0002... |
57 | V | 2015 | Government-imposed market participation influences and restrictions. Our market reach remains limited by certain governments' influence on their domestic payments competition and/or their protection of domestic issuers or payments network processors. Regulators in an increasing number of countries around the world have... | [0.0023119936231523752, -0.030497940257191658, -0.0004736547125503421, -0.019350416958332062, -0.02083587646484375, 0.005876111797988415, -0.013934403657913208, 0.016865886747837067, -0.013099653646349907, -0.030787145718932152, 0.002829604083672166, -0.001336749643087387, -0.009267693385481834, -0.02526596561074257, 0... |
58 | V | 2015 | Regulation of Internet, mobile payment and other types of transactions. Many jurisdictions have adopted or are considering regulations that require payments system participants, including our financial institution clients and us, to monitor, identify, filter, restrict or take other specific actions with regard to certa... | [0.0033493766095489264, -0.016124902293086052, 0.0029269626829773188, -0.02094108797609806, -0.01761499233543873, 0.009412845596671104, -0.031212065368890762, 0.004989140667021275, 0.001476785633713007, -0.03368667885661125, 0.020368998870253563, -0.019397780299186707, 0.003221321851015091, -0.011308719404041767, 0.011... |
59 | V | 2015 | The U.S. Congress continues to consider regulatory initiatives in the areas of Internet prescription drug purchases, copyright and trademark infringement and privacy, among others, that could impose additional compliance burdens on our financial institution clients and us. Some U.S. states are considering a variety of ... | [0.00785343162715435, -0.0312529057264328, 0.007598798256367445, -0.0387042835354805, 0.0039702714420855045, 0.02238094061613083, -0.022206716239452362, 0.009709575213491917, -0.004020527936518192, -0.038677480071783066, 0.019043901935219765, -0.019807802513241768, 0.021442817524075508, -0.019378945231437683, 0.0025061... |
60 | V | 2015 | We are subject to the reporting requirements of the Securities Exchange Act of 1934, as amended (the "Exchange Act") and its rules and regulations. The Exchange Act requires us to file periodic reports, proxy statements and other information with the U.S. Securities and Exchange Commission (the "SEC"). Copies of these ... | [-0.017725573852658272, -0.04367724061012268, -0.013574326410889626, -0.046122148633003235, -0.02620634436607361, 0.004396375268697739, -0.017903849482536316, 0.007570297457277775, 0.018107591196894646, 0.0035463881213217974, 0.009041061624884605, 0.0076530673541128635, 0.016655927523970604, -0.016197508201003075, -0.0... |
61 | V | 2015 | Our corporate website is accessible at http://corporate.visa.com. We make available, free of charge, on our investor relations website at http://investor.visa.com our annual reports on Form 10-K, our quarterly reports on Form 10-Q, our current reports on Form 8-K and any amendments to those reports as soon as reasonabl... | [-0.005666770506650209, -0.017411505803465843, 0.010016434825956821, -0.03636499121785164, -0.014289000071585178, 0.00046500287135131657, -0.0362107940018177, -0.015933776274323463, 0.01281769573688507, -0.016139373183250427, -0.0007211961783468723, 0.024838702753186226, -0.008525855839252472, -0.019056282937526703, 0.... |
62 | V | 2015 | filings and publicly available conference calls. The information contained on our corporate website, including the information contained on our investor relations website, is not incorporated by reference into this report or any other report filed with, or furnished to, the SEC. | [-0.029850250110030174, -0.016821403056383133, -0.007036867551505566, -0.028276467695832253, -0.0121452072635293, -0.008939594961702824, -0.019865766167640686, -0.01557011716067791, -0.0024300089571624994, 0.000848165072966367, 0.00464394548907876, 0.021375048905611038, 0.0073400139808654785, 0.0032975238282233477, -0.... |
null | Ticker | Year | Text | Embedding |
0 | V | 2016 | Visa is a global payments technology company that connects consumers, merchants, financial institutions, businesses, strategic partners and government entities in more than 200 countries and territories to fast, secure and reliable electronic payments. We enable global commerce through the transfer of value and informa... | [-0.010984791442751884, -0.010905859060585499, 0.004755691159516573, -0.031520429998636246, -0.0039367652498185635, 0.0035289465449750423, -0.05133252218365669, -0.01277393102645874, 0.00021953138639219105, -0.04136069864034653, -0.001523564220406115, -0.0038907211273908615, -0.008393170312047005, -0.026942338794469833... |
1 | V | 2016 | Our vision is to be the best way to pay and be paid for everyone, everywhere. To deliver on this vision, we focus on six strategic goals: | [-0.0172516331076622, -0.00023851690639276057, 0.014755374751985073, -0.03960034251213074, -0.01491220761090517, 0.003587555605918169, -0.03178482875227928, -0.005900843068957329, -0.005214698612689972, -0.006704612169414759, -0.005727672949433327, 0.0019326404435560107, -0.008534330874681473, -0.018166493624448776, 0.... |
2 | V | 2016 | •Be the employer of choice for top talent. | [-0.01467954833060503, -0.011348620057106018, 0.005146315786987543, -0.03679012879729271, -0.01158980280160904, 0.018942613154649734, -0.023388195782899857, 0.005746013019233942, 0.012013502418994904, 0.005850308109074831, -0.013454079627990723, 0.027846815064549446, 0.011081364005804062, -0.013832149095833302, -0.0179... |
3 | V | 2016 | Visa is one of the world’s largest retail electronic payments network based on payments volume, number of transactions and number of cards in circulation. | [-0.010308069176971912, -0.007949885912239552, -0.0016208426095545292, -0.015063629485666752, -0.002343485364690423, -0.0131692448630929, -0.02934337593615055, -0.006591154728084803, -0.010556299239397049, -0.03605864569544792, 0.001038645743392408, -0.004543258808553219, -0.017990129068493843, -0.02816755138337612, 0.... |
4 | V | 2016 | * Total volume includes Europe for the fourth quarter. | [0.005253084469586611, -0.019235175102949142, 0.013773011974990368, -0.03985549136996269, -0.0012773358030244708, 0.009539183229207993, -0.024239979684352875, -0.006066528614610434, -0.030446982011198997, -0.013942888006567955, 0.008493793196976185, 0.024435989558696747, -0.02796418033540249, -0.01425650529563427, -0.0... |
5 | V | 2016 | Visa operates in a four party model, which includes card issuing financial institutions, acquirers and merchants. We are not a bank and do not issue cards, extend credit or set rates and fees for account holders on Visa products. In most cases, our financial institution clients are responsible for and manage account ho... | [-0.013546415604650974, -0.0009621411445550621, 0.005666496232151985, -0.0415831096470356, -0.021748710423707962, 0.021256837993860245, -0.03328775614500046, 0.011505812406539917, 0.0019093267619609833, -0.029725009575486183, 0.012183797545731068, 0.008162412792444229, -0.008800516836345196, -0.021084018051624298, -0.0... |
6 | V | 2016 | We do not earn revenues from, or bear credit risk with respect to, interest or fees paid by account holders on Visa products. Interchange reimbursement fees represent a transfer of value between the financial institutions participating in our open-loop payments network. We administer the collection and remittance of in... | [-0.014426312409341335, 1.6315372704411857e-05, 0.002862389897927642, -0.028958700597286224, -0.017131244763731956, 0.00611593434587121, -0.005091639701277018, -0.005585554987192154, 0.0013549529248848557, -0.026651550084352493, 0.02885262481868267, 0.0021049422211945057, 0.004978933837264776, -0.033228252083063126, -0... |
7 | V | 2016 | The Visa brand is one of the most well-known and valuable brands in the world. Anchored on the notion that Visa is 'everywhere you want to be,' the brand stands for acceptance, security, convenience and universality. In recognition of its strength among clients and consumers, the Visa brand is ranked highly in a number... | [-0.006697252858430147, -0.006568395998328924, -0.002765466459095478, -0.03089921548962593, 0.008312920108437538, 0.014735938981175423, -0.023855039849877357, -0.009674176573753357, -0.0045991986989974976, -0.03058202937245369, -0.013520059175789356, 0.0005625097546726465, -0.018383579328656197, -0.02578458935022354, -... |
8 | V | 2016 | Security is critical to maintaining trust and confidence in electronic payments. To ensure that Visa remains one of the safest ways to pay and be paid, we deploy a multi-layered security approach focused on eliminating vulnerable data from the payments environment, securing the data that remains, preventing fraud and e... | [-0.0024208833929151297, -0.0016868403181433678, -0.004585742950439453, -0.03354883939027786, -0.0010897215688601136, 0.022763432934880257, -0.03443033993244171, -0.02005411684513092, -0.011375234462320805, -0.03839708864688873, 0.012379884719848633, -0.011628017760813236, -0.0013408841332420707, -0.013857693411409855,... |
9 | V | 2016 | *Please see Item 7—Management's Discussion and Analysis of Financial Condition and Results of Operations for a reconciliation of our adjusted financial results. | [-0.02242802083492279, 0.004381156526505947, -0.022390494123101234, -0.0265934020280838, -0.01972614973783493, 0.00764904310926795, -0.01161428727209568, 0.003084947355091572, -0.014535058289766312, -0.0035180593840777874, 0.002618999918922782, 0.0369255505502224, -0.0021858876571059227, -0.009694208391010761, -0.00932... |
10 | V | 2016 | Visa Europe Acquisition. Prior to our 2007 reorganization, Visa operated as a collection of member-owned associations, with each region serving its member financial institutions and administering Visa programs within a global framework. In 2007, Visa reorganized, with all of the regions except Visa Europe coming togeth... | [-0.009881757199764252, -0.013881207443773746, 0.012900822795927525, -0.052434343844652176, -0.02911287732422352, 0.020062174648046494, -0.021347712725400925, -0.012186635285615921, -0.012381413020193577, -0.025515969842672348, -0.003265784354880452, -0.01279694028198719, 0.015010922215878963, -0.0260873194783926, 0.01... |
11 | V | 2016 | On June 21, 2016, we acquired Visa Europe. We believe the acquisition positions our Company to create additional value through increased scale, efficiencies realized by integration of the businesses, and benefits related to Visa Europe's transition from a member-owned association to a for-profit enterprise. We plan to ... | [-0.0063125984743237495, -0.022463779896497726, 0.022266613319516182, -0.06193641573190689, -0.017245452851057053, 0.014629717916250229, -0.02839190512895584, -0.004718839656561613, -0.013157544657588005, -0.012861795723438263, 0.002584517700597644, 0.005021160934120417, 0.010791552253067493, -0.03414915129542351, 0.02... |
12 | V | 2016 | Capital Structure. In December 2015, we issued $16 billion of senior notes with maturities ranging between two and 30 years, and in June 2016, we issued two new series of preferred stock to Visa Europe's member financial institutions that are convertible into approximately 79 million shares of class A common stock as p... | [-0.010760271921753883, -0.019754132255911827, 0.007551067974418402, -0.048488643020391464, -0.0027052375953644514, 0.002541743451729417, -0.0454142801463604, -0.0027895127423107624, 0.002599050523713231, -0.010827692225575447, 0.01373350527137518, 0.014711098745465279, -0.01781242899596691, -0.004756498616188765, 0.01... |
13 | V | 2016 | Technology Transformation. At its heart, Visa is a technology company. With the intensifying digital economy and the ubiquity of mobile technology, data and enhanced security driving the future of payments, we embarked on a multi-year journey in 2015 to transform technology at Visa with the main areas of focus on openi... | [-0.007678555324673653, -0.013487723655998707, -0.0035947163123637438, -0.019859718158841133, 0.003990034572780132, 0.013990246690809727, -0.039531826972961426, -0.012248166836798191, 0.004020186141133308, -0.03368915989995003, 0.017889827489852905, 0.008663500659167767, -0.008254781365394592, -0.02059675194323063, 0.0... |
14 | V | 2016 | systematically to our infrastructure and platform components and we continue to bolster the resiliency of our infrastructure and application services to provide high availability of our services for our clients. | [0.005702049471437931, -0.02380749210715294, 0.005344194360077381, -0.022160008549690247, 0.020269453525543213, 0.017204051837325096, -0.018689488992094994, -0.01867598481476307, 0.024955328553915024, -0.0009216456674039364, 0.009142184630036354, 0.005401586182415485, 0.019081104546785355, -0.01813582517206669, -0.0137... |
15 | V | 2016 | How We Work with Partners - Innovation Centers, VDP & API Suite. To drive new technologies in the payments space and accelerate the proliferation of safe and fast digital payments, we opened new innovation centers in Dubai, Miami and Singapore in fiscal 2016. Along with the San Francisco innovation center and European ... | [-0.00014729687245562673, -0.007654751650989056, 0.004549907986074686, -0.035281382501125336, -0.02475695125758648, 0.03669918328523636, -0.03732628747820854, 0.008479529060423374, 0.010967493057250977, -0.04008008912205696, 0.030046433210372925, 0.0015507176285609603, 0.007845609448850155, -0.021062495186924934, 0.011... |
16 | V | 2016 | Debit: Debit cards are issued by banks to allow consumers to access funds held in their demand deposit accounts (DDAs). Debit cards allow consumers to transact without needing cash or checks and without accessing a line of credit. Visa provides the network infrastructure, product support and industry knowledge to help ... | [-0.019705478101968765, -0.0023228046484291553, 0.009682977572083473, -0.035963479429483414, -0.027684304863214493, 0.00023791198327671736, -0.020423702895641327, -0.014651787467300892, -0.017198221758008003, -0.04006388783454895, 0.009656859561800957, 0.007933120243251324, -0.022813433781266212, -0.017851153388619423,... |
17 | V | 2016 | Credit: Credit cards are issued by banks to allow consumers to access credit to pay for goods and services. Visa does not extend credit; however, we provide combinations of card benefits and brand support, that financial institutions use to support and enable their credit products. We also partner with our clients on p... | [-0.013967571780085564, -0.008028397336602211, 0.007535656448453665, -0.04244144633412361, -0.004313128534704447, -0.0001600382529431954, -0.017173675820231438, 0.0010478964541107416, -0.004802584648132324, -0.0311675276607275, 0.008317472413182259, 0.010249017737805843, -0.01377047598361969, -0.04638337716460228, -0.0... |
18 | V | 2016 | Prepaid: Prepaid products draw funds from a designated pool of funds. Prepaid cards can be funded by individuals, corporations or governments. Prepaid cards address many consumer use cases and needs: | [0.010496729984879494, 0.0006078730220906436, -0.0025637627113610506, -0.024964842945337296, -0.032267484813928604, -0.007498597260564566, -0.011084599420428276, -0.015807148069143295, -0.0171657782047987, -0.012913525104522705, 0.03326033055782318, 0.017779774963855743, -0.020157380029559135, -0.02035333588719368, -0.... |
19 | V | 2016 | Commercial: We offer a portfolio of corporate (travel) cards and purchasing card (P-card) products covering all major segments. The Commercial category is not one single product but a portfolio of products designed to bring efficiency, controls and automation to corporate and government travel and procurement processes... | [0.005053724627941847, -0.013545217923820019, -0.027543313801288605, -0.023247819393873215, -0.023988895118236542, 0.01259828731417656, -0.01100634690374136, -0.028215771540999413, 0.0018355348147451878, -0.01675654575228691, 0.017676029354333878, 0.023151755332946777, 0.0008178422576747835, -0.0024942688178271055, -0.... |
20 | V | 2016 | VisaNet authorizes, clears and settles transactions processed by Visa, excluding European domestic transactions, which are routed through the European processing platform. VisaNet consists of multiple synchronized processing centers that are linked by a global telecommunications network and engineered for minimal downt... | [-0.0023691849783062935, -0.00911435391753912, 0.007145160809159279, -0.025585830211639404, -0.020690198987722397, 0.019883375614881516, -0.025093531236052513, -0.02550378069281578, -0.0013862979831174016, -0.023083314299583435, 0.009251102805137634, -0.0038084734696894884, -0.005917834118008614, -0.019090229645371437,... |
21 | V | 2016 | VisaNet is capable of handling more than 65,000 transactions per second reliably, conveniently and securely. In fiscal 2016, Visa processed over 83 billion payment and cash disbursement authorization transactions, which included Europe during the fourth quarter. VisaNet is built on a centralized architecture, enabling ... | [-0.009439123794436455, -0.004331932403147221, 0.010323191992938519, -0.016117235645651817, -0.0008003363618627191, -0.0002060345432255417, -0.038137324154376984, -0.019871123135089874, -0.006021861918270588, -0.03111918643116951, 0.01652526669204235, -0.004134716931730509, -0.009167103096842766, -0.03062954917550087, ... |
22 | V | 2016 | A typical Visa transaction begins when the account holder presents his or her Visa product to a merchant as payment for goods or services. The transaction is then sent to the acquirer and routed over VisaNet or Visa Europe's processing platform to an issuer for an authorization decision. The transaction is either appro... | [0.010149471461772919, -0.014087880030274391, 0.005475033074617386, -0.025179987773299217, -0.027943329885601997, 0.01575363241136074, -0.02019564062356949, -0.018865620717406273, -0.011582794599235058, -0.04106274992227554, 0.027581769973039627, -0.0007767864735797048, -0.013790884986519814, -0.030474241822957993, 0.0... |
23 | V | 2016 | Our core transaction processing services involve the routing of payment information and related data to facilitate the authorization, clearing and settlement of transactions between our issuers and acquirers. Our processing services also address the varied needs of other participants in the evolving payments ecosystem,... | [-0.01284737791866064, 0.010275173000991344, -0.02064586617052555, -0.022065013647079468, -0.045030638575553894, 0.03367745876312256, -0.007157142274081707, -0.015992699190974236, 0.014969276264309883, -0.03411411866545677, 0.03367745876312256, 0.013966321013867855, -0.0157061405479908, -0.018599018454551697, 0.0078257... |
24 | V | 2016 | Visa Checkout: Visa Checkout offers consumers an expedited and secure payment experience for online transactions wherever Visa Checkout is enabled. Visa Checkout helps merchants convert higher numbers of consumers to sale, a particularly important issue as digital commerce shifts from desktop devices to mobile devices ... | [-0.014799355529248714, -0.007260061334818602, 0.019320273771882057, -0.033720724284648895, -0.018854884430766106, -0.0017011613817885518, -0.04012978821992874, -0.03271016478538513, -0.02017126977443695, -0.02975827269256115, 0.016913549974560738, 0.004035583697259426, -0.022923709824681282, -0.01768476516008377, 0.00... |
25 | V | 2016 | Visa Direct: Visa Direct is a push payment product platform that facilitates payer-initiated transactions that are sent directly to the Visa account of the recipient. It supports faster payments use cases like person-to-person (P2P) payments, and disbursements. We are working with key partners, including processors lik... | [-0.021109778434038162, 0.0023314282298088074, -0.0040315669029951096, -0.017943311482667923, -0.014897091314196587, 0.014696681872010231, -0.0377303883433342, -0.038772519677877426, 0.003841178026050329, -0.02942008525133133, 0.0069809239357709885, 0.004278738517314196, -0.028404677286744118, -0.010254275985062122, 0.... |
26 | V | 2016 | We are also enabling push payments in developing economies to electronify payments. We recently launched a new service called mVisa in Kenya. First launched in Rwanda in 2014 and India in 2015, mVisa allows consumers to transfer money to merchants in real time using their mobile phones and merchants are able to accept ... | [-0.014170602895319462, -0.012997539713978767, 0.008372318930923939, -0.015068834647536278, 0.0017378092743456364, 0.0008399970247410238, -0.03563430905342102, -0.02080678939819336, -0.008218144997954369, -0.027081001549959183, 0.02114195004105568, 0.02021690644323826, 0.0037806150503456593, -0.02531135082244873, -0.00... |
27 | V | 2016 | Visa Token Service: The Visa Token Service replaces the card account numbers from the transaction with a token. Tokenization helps to protect consumer financial information and lessen the risk of stolen card credentials. In fiscal 2017, we announced new specifications that allow certified third party service providers ... | [-0.01706250198185444, 0.0022613988257944584, -0.001737625221721828, -0.02807632088661194, -0.019257036969065666, 0.01626698300242424, -0.025442879647016525, -0.02593665011227131, -0.015156000852584839, -0.02700648456811905, 0.04142183065414429, 0.003655270906165242, -0.010616058483719826, -0.03489309176802635, 0.00621... |
28 | V | 2016 | Visa has a suite of products and services to help merchants reduce their payment fraud and improve their customer engagement. Visa Advertising Solutions, Visa Commerce Network and CyberSource’s product offerings are examples of Visa’s continued investment to deliver industry-leading products and capabilities to our mer... | [-0.006541070062667131, -0.01452400628477335, 0.004974110051989555, -0.01519556064158678, -0.017183886840939522, 0.00973095279186964, -0.012706859037280083, -0.023017192259430885, -0.00851293746381998, -0.025887757539749146, 0.028758322820067406, 0.004974110051989555, -0.005830012261867523, -0.023636074736714363, 0.006... |
29 | V | 2016 | Visa launched Visa Advertising Solutions, a service that allows merchants to better target and track the efficacy of their digital campaigns. Visa has partnered with strategic advertising technology leaders to help deliver targeting and measurement capabilities using aggregated and anonymous spend insights. The Visa Co... | [-0.005583437625318766, -0.024630244821310043, 0.018291382119059563, -0.03456829488277435, -0.009709741920232773, 0.0023032098542898893, -0.03335961326956749, -0.04168608412146568, -0.01802278496325016, -0.03881210833787918, 0.009065112099051476, 0.005617011804133654, -0.0035521809477359056, -0.0297335684299469, -0.001... |
30 | V | 2016 | CyberSource offers a suite of products and services for merchants to manage online, mobile and in-store payments. CyberSource gateway services enable global payment acceptance of cards and other digital payment types. CyberSource Decision Manager is a comprehensive solution for fraud management including a merchant ris... | [-0.004434163682162762, -0.02030148170888424, -0.026109660044312477, -0.017790937796235085, -0.03756316751241684, 0.028606632724404335, -0.002100036246702075, -0.004610580392181873, 0.0014808818232268095, -0.028688056394457817, 0.03444195166230202, 0.012735922820866108, -0.02011149376630783, -0.02701888419687748, 0.001... |
31 | V | 2016 | Visa continues to develop our suite of risk products and services to help clients minimize risk and enable secure commerce. Visa Risk Manager is a decision making solution that helps issuers improve loss prevention and profitability through effective, enhanced risk evaluation capabilities. Products like Visa Advanced A... | [0.0009828879265114665, -0.018303364515304565, -0.015490659512579441, -0.01718105375766754, -0.01859433390200138, 0.025951704010367393, -0.03746578097343445, -0.027295706793665886, -0.01529667992144823, -0.018123241141438484, 0.012116799131035805, -0.015282824635505676, -0.018109384924173355, -0.012975852005183697, -0.... |
32 | V | 2016 | We have also extended our fraud prediction capabilities to merchants via Visa Transaction Advisor. Our first implementation of this product is at fuel pumps, whereby we provide a risk indicator to the merchant for each Visa card transaction so the merchant can decide if they would like to require incremental authentica... | [-0.01195189356803894, -0.018147140741348267, -0.02251945063471794, -0.031332600861787796, -0.01062923576682806, 0.016474973410367966, -0.026000851765275, -0.026836935430765152, -0.013349936343729496, -0.02238238789141178, 0.023396654054522514, 0.016762806102633476, -0.016584623605012894, -0.01599525287747383, -0.00513... |
33 | V | 2016 | Verified by Visa is a solution designed to make online transactions safer by authenticating an account holder’s identity at the time of purchase. It is designed to improve account holder and merchant confidence in online | [-0.010420018807053566, -0.017344880849123, -0.004994016606360674, -0.021350566297769547, -0.027018742635846138, 0.010276024229824543, -0.03036990575492382, -0.03408760204911232, -0.004843476228415966, -0.026835476979613304, 0.020250966772437096, -0.01674271933734417, -0.011303626000881195, -0.011369078420102596, 0.006... |
34 | V | 2016 | purchases and to reduce disputes and fraud related to the use of Visa payment products. Visa Consumer Authentication Service is a hosted solution for issuers on Verified by Visa transactions delivering protection against online fraud through risk-based authentication. Issuers have full control of when and how they deci... | [-0.004007697105407715, -0.011552990414202213, -0.002786786761134863, -0.00939525943249464, -0.02922067791223526, 0.003794629592448473, -0.04071955382823944, -0.03758103772997856, -0.011593574658036232, -0.024810519069433212, 0.02794903703033924, -0.0021712586749345064, -0.00222198897972703, -0.032765038311481476, -0.0... |
35 | V | 2016 | We also launched Visa Consumer Transaction Controls in fiscal 2016, which allow account holders to place restrictions on their enrolled cards that define when, where and how those cards can be used to better manage account spending and security. Issuers can utilize this solution across their entire card portfolio. | [-0.009562281891703606, -0.022671643644571304, 0.0038707684725522995, -0.03460763767361641, -0.032179977744817734, 0.014188322238624096, -0.0266907699406147, -0.0021039717830717564, 0.0009660062496550381, -0.02149827405810356, 0.023615732789039612, -0.0044304789043962955, 0.010843546129763126, -0.027419066056609154, 0.... |
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