Technology has moved beyond its traditional enabling role to become the major driver in the transformation of commerce. Companies that are able to accelerate innovation based on sound understanding and novel application of new and disruptive technologies will be at a distinct advantage and at the forefront of this transformation.
Visa has developed and is employing a comprehensive strategy to ensure and extend its commerce technology leadership position. This strategy in action includes the formation of Visa Research, aimed at complementing an already substantial investment in technology development with a focus on the scientific foundations of existing, emerging, and future commerce related technologies across broad time horizons. With the establishment of a formal research organization and the associated long-term commitment to technology research, Visa joins the ranks of a small number of industry leaders with both the insight and ability to substantially influence and systemically impact the future.
Artificial Intelligence
Visa's unique position as the world's largest payment network enables us to serve billions of consumers and tens of millions of merchants around the world on a daily basis. Our mission at the Data Analytics team is to unlock the hidden value in these massive high-quality financial data, and develop the world's best commerce intelligence engine to drive innovations in the payment industry and beyond. We conduct applied research in machine learning and related fields to deliver unique insights and capabilities to our partners and clients and help them grow their business. Our research areas include deep learning applications in financial data, supervised and unsupervised representation learning, predictive modeling for fraud and risk management, consumer behavior modeling, recommendation systems, scalable machine learning systems, privacy preserving data analytics, and related fields.
Research projects
- Deep Learning for Commerce – develop predictive models that are essential to all parties in the payment and commerce ecosystem using advanced deep learning technologies over the financial data warehouse at Visa.
- Scalable Machine Learning System – experiment with new generations of distributed systems for machine learning applications to meet the challenge of ever increasing scale and complexity in the data processing pipeline.
- Security Analytics – enable proactive defense in our critical network and system infrastructure through continuous monitoring and real-time anomaly detection using machine learning technologies.
Security
Today's electronic payment ecosystems are possible because of a host of security technologies and capabilities that were developed over a very long and rich history of security research. Extending and enabling new ecosystems, to spur economic growth and improve the quality of life for everyone will require further advances in a number of key areas. We conduct fundamental and applied research in a number of security areas that are critical to Visa, our partners, and the world, including: mobile and distributed systems/cloud computing security, communication protocols and network security, cryptography and cryptanalysis, secure payment technologies, data and application security, malware and program analysis, user and data privacy, assurance and formal methods, security incident and event data analytics, and related fields.
Research projects
- Advances in Cryptography – aims to build on Visa’s extensive data protection capabilities to achieve policy-enforced full lifecycle cryptographic protection for data in transit, at rest, and during computation, for all computing environments and scenarios Visa employs.
- Distributed and Endpoint Systems Security – enable end-to-end secure computation, data and workload management across the distributed enterprise, between ecosystem partners, and to/from the sea of endpoints and devices
- Secure Data Acquisition and Analysis – balance advancements in cryptography and secure systems for strongest and most efficient context appropriate data acquisition, classification, protection and analysis across the computing spectrum.
Future of Payments
Our Future of Payments team focuses on emerging technologies that have the potential to reshape commerce. We collaborate with top universities and industry leaders to develop technologies that promise to transform payments in the decades ahead. One area of exploration is advancing the science of Digital Currency technologies and enabling the discovery of real-world payment use cases.
Sunpreet Arora
Staff Research Scientist
Biometrics
Focus areas: Biometrics, Deep Learning, and Adversarial Machine Learning
Mangesh Bendre
Staff Research Scientist
Focus areas: Databases, Large-scale Data Processing, and Scalable Machine Learning
Huiyuan Chen
Staff Research Scientist
Focus areas: Machine Learning, Anomaly Detection, and Recommendation Systems
Yuzhong Chen
Staff Research Scientist
Research areas: Deep Learning, Graph Learning, and Spatiotemporal Sequence Modeling
Xin Dai
Staff Research Scientist
Research areas: data mining, machine learning, deep learning
Mahashweta Das
Sr. Researcher
Data Analytics
Focus areas: Data Mining, Machine Learning and Databases
Shubham Jain
Researcher
Sr. Software Engineer
Focus areas: Computer Vision, Deep Learning and Machine learning
Ranjit Kumaresan
Staff Research Scientist
Focus areas: Blockchain/Cryptocurrency and
Secure Computation
Xiaoting Li
Staff Research Scientist
Focus areas: Program analysis, adversarial machine learning and graph learning
Sebastian Meiser
Staff Research Scientist
Focus areas: Quantifiable Privacy Guarantees, Anonymous Communication, and Information Security
Mohsen Minaei
Staff Research Scientist
Focus areas: Security and Privacy, Blockchain, Cryptocurrency
Menghai Pan
Staff Research Scientist
Focus areas: Data Mining, Machine Learning, and Urban Intelligence
Srinivasan Raghuraman
Staff Research Scientist
Focus areas: Cryptography, Blockchain, and Theory of Computation
Peter Rindal
Research Scientist
Security
Focus areas: Cryptography, Privacy Enhancing Technologies, and Distributed Computing
Maliheh Shirvanian
System Security
Focus areas: Authentication, System Security, and User-Centered Security
Kim Wagner
Sr. Director of Risk & Auth. Products
Focus areas: Biometrics, Quantum Computing, and Cryptography
Junpeng Wang
Staff Research Scientist
Research Areas: Visual Analytics, Explainable AI, and Deep Learning
Ke Wang
Research Scientist
System SecurityFocus areas: Program Analysis, Software Engineering, and Deep Learning
Lan Wang
Staff Research Scientist
Focus areas: Deep Learning Theory, and Applied Machine Learning
Liang Wang
Principal Researcher
Data Analytics
Focus areas: Data Mining, Machine Learning, and Fraud Analytics
Yizhen Wang
Staff Research Scientist
Research Areas: Adversarial Machine Learning, and Model Robustness
Yuhang Wu
Staff Research Scientist
Focus areas: Large-scale data analytics, deep learning, and biometrics
Hao Yang
VP of AI Research
Focus areas: Data Analytics, Machine Learning, and Deep Learning
Michael Yeh
Research Scientist
Data Analytics
Focus areas: Data Mining, Machine Learning, and Time Series Analysis
Mahdi Zamani
Staff Research Scientist
Security
Focus areas: Security and Privacy, Distributed Algorithms and Applied Cryptography
Wei Zhang
Sr. Director
Risk Modeling
Focus areas: Big Data Analytics, Machine Learning, and Speech Technologies
Yan Zheng
Sr. Staff Research Scientist
Risk Modeling
Focus areas: Data Analytics, Machine Learning, and Deep Learning
Zhongfang Zhuang
Staff Research Scientist
Focus areas: Large-scale data processing, Deep Learning, and Sequence Mining
Visa Research Intern Program
59
Universities
140
Interns
35+
Patents filed
35+
Papers published to top conferences
Working at Visa
Imagine working for one of the pioneers in the payment technology space. The kind of company that's been setting the bar for the way people pay and get paid for more than 50 years, and continues to innovate on a global scale. Now imagine that company is less than 10,000 employees worldwide, small enough that you'll actually have an impact and do some amazing things. Sounds pretty awesome. Well, that company exists and it's Visa.
Yep, Visa.
Imagine, in a single day, the diversity of transactions that Visa manages – from gaming enthusiasts who buy virtual goods to advance a level, to a small business merchant launching their first ecommerce business to a large consumer brand hitting their largest single-day sale. Now multiply transactions and interactions like that by millions on a global scale – that's Visa. It is a multi-billion dollar market that has experienced year over year growth!
Culture
Visa Research is a research community of scientists and engineers comprised of the most inspired and innovative thinkers and doers from across the country and around the world. We engage in fundamental and applied research, and inquisitive discussion of ideas and issues that both shape and challenge the global payments ecosystem. We foster and value a collaborative environment of inclusion that encourages dramatic results not possible when research is conducted in a vacuum.
We seek and cultivate explorers who are motivated to push the boundaries of technology beyond the conventional; to contribute to the broader innovation-driven environment at Visa, and realize the discoveries that will enable Visa, its clients and partners to solve business challenges and drive growth in digital commerce.
