239 patents
Utility
Methods and systems for acoustic authentication
16 Jan 24
Systems and methods are disclosed for generating an acoustic authentication data entry interface.
Daren L. Pickering
Filed: 30 Nov 22
Utility
Systems and methods for client-side management of recurring payment transactions
16 Jan 24
Systems and methods disclosed herein for the client-side management of recurring payment transactions.
Snehal Desai
Filed: 5 Dec 22
Utility
Methods and systems for dual-to-single message conversion in electronic transactions
16 Jan 24
Systems and methods are disclosed for electronic transaction messaging conversion.
Ganeshwaran Jayachandran
Filed: 21 Apr 23
Utility
Systems and methods for capturing account holder consent for transaction data collection
16 Jan 24
Systems and methods are disclosed for providing an account holder with an incentive-consent matrix at a point-of-sale device of a merchant.
Jacob Matthew Sterling, Scott Wayne DeAngelo, Dennis A. Kettler, Balaji Janakiraman Iyer, Trevor Alan Bass
Filed: 17 Jul 20
Utility
Methods and systems for displaying virtual objects from an augmented reality environment on a multimedia device
16 Jan 24
Methods and systems are disclosed for displaying an augmented reality virtual object on a multimedia device.
Kevin Gordon, Charlotte Spender
Filed: 28 Oct 22
Utility
Wireless data communication interface
9 Jan 24
In some embodiments, the rendering a financial transaction record in a second format includes converting a tokenized first item of financial transaction information to an account-specific item of financial transaction information using an account identifier associated with the tokenized first item in a registry stored in a secured account data vault.
Nish Modi
Filed: 15 Apr 22
Utility
Systems and methods for subscribing topics and registering computer server event notifications
9 Jan 24
Systems and methods are disclosed for secure transmission of computer server event notifications, including receiving a topic subscription request from a partner, registering the partner topic subscription request, obtaining a new computer server event to report, determining a subscribed partner subscribed to computer server events of a same type as the new computer server event, transmitting an event notification to the subscribed partner, and registering the event notification.
Sachin Pawaskar
Filed: 19 Apr 23
Utility
Systems and methods for cloud-based testing of POS devices
2 Jan 24
A computer-implemented method for cloud-based testing of a payment network may include receiving a test configuration for testing a payment processing network, configuring a simulated worker generator for generating a plurality of simulated workers according to the received test configuration, reading commands to be executed by each simulated worker among the plurality of simulated workers from a command bank according to the received test configuration, configuring the plurality of simulated workers according to the commands and the received test configuration, starting a swarm test of the payment processing network by the plurality of simulated workers, reading results of the swarm test from the plurality of simulated workers, and saving the results to storage.
Walter Banks
Filed: 18 Nov 21
Utility
Tokenizing sensitive data
2 Jan 24
Some systems and/or methods are configured to receive sensitive data from a vendor, determine a token key for the vendor, and utilize a proprietary algorithm, based on the token key to generate a vendor-specific token that is associated with the sensitive data.
Bryan T. Bailey, John Romer, Chris Doyle, Jeremy Gifford, Kevin Zibart
Filed: 30 Sep 21
Utility
Systems and methods for payment transactions, alerts, dispute settlement, and settlement payments, using multiple blockchains
2 Jan 24
Systems and methods are disclosed for payment transactions, alerts, dispute settlement, and settlement payments, using multiple blockchains.
Ramesh Vijayaraghavan
Filed: 30 Nov 17
Utility
User interfaces for using shared databases for managing supplemental payment sources
19 Dec 23
User devices are disclosed for managing a plurality of supplemental payment sources of a user.
Erik Baar, Richard Hill
Filed: 23 Mar 21
Utility
Systems and methods for routing electronic transactions using predicted authorization approval
12 Dec 23
A method for routing electronic payment transactions includes receiving transaction-related information from a merchant, extracting transaction routing criteria from the received transaction-related information, dynamically identifying one or more eligible payment networks based on extracted transaction routing criteria, predicting a likelihood of authorization acceptance for each identified network based on the transaction-related information, dynamically identifying one or more breakeven transaction amounts for each identified eligible payment network, each breakeven transaction amount defining a point at which two or more eligible payment networks have the same expenses for a given transaction amount, the expenses including costs associated with a low predicted likelihood of authorization acceptance, and routing signature debit transactions from the merchant to a least cost PIN-less debit network selected from the eligible payment networks based on identification of a desired breakeven transaction amount for the PIN-less debit network.
Dennis A. Kettler, Ryan Clapp
Filed: 27 Oct 21
Utility
Systems and methods for cloud-based management of payment devices
12 Dec 23
A computer-implemented method for cloud-based management of payment devices includes connecting a point of interaction device (POI) to a terminal management engine (TME) through a computer network, downloading operating software for the POI and configuration files for the POI from the TME to the POI, initializing the POI using the operating software, and configuring the POI using the configuration files.
Coy Christensen
Filed: 29 Sep 22
Utility
Methods and systems for data analytics for payment facilitators using internet-connected devices
12 Dec 23
Systems and methods for providing analytics data to payment facilitators and sub-merchants via a dynamic dashboard, in response to receiving transaction data from one or more Internet of Things (IoT) devices.
Ali Sahibzada
Filed: 21 Sep 18
Utility
Systems and methods for determining correlative analytics for online and offline electronic transaction events
12 Dec 23
Systems and methods are disclosed for generating consumer analytics for products placed in online shopping carts.
Nicole Jass, Dennis Kettler
Filed: 29 Apr 22
Utility
Systems and methods for least cost acquirer routing for pricing models
12 Dec 23
Systems and methods are disclosed for least cost acquirer routing based on pricing models.
Thiru Srinivasan
Filed: 16 Feb 21
Utility
Systems and methods for registering computer server event notifications
12 Dec 23
A system for secure transmission of business event notifications includes a memory, at least one processor, a service gateway configured to: publish application programming interfaces (APIs) for secure transmission of business event notifications, a notification server configured to: publish APIs for secure transmission of business event notifications corresponding to the APIs published by the service gateway, obtain a new business event to report, determine a partner to receive a notification of the new business event, transmit an event notification to the partner by way of the service gateway APIs, and register the event notification in a database.
Sachin Pawaskar
Filed: 5 Jan 23
Utility
Systems and methods for linking high-value tokens using a low-value token
5 Dec 23
Embodiments include methods and systems for linking high-value tokens using a low-value token, comprising receiving, from an electronic data server, a first high-value token and a request for a low-value token, the first high-value token being associated with sensitive data associated with a user, and the low-value token being associated with a subset of the sensitive data associated with the user.
Brant Peterson
Filed: 21 Jul 21
Utility
Methods and systems for dynamic routing of electronic transaction messages while maintaining token compatibility
5 Dec 23
Systems and methods are disclosed for dynamic routing of electronic transactions while maintaining token compatibility.
Stephen E. Dinan, James S. Osborn, William J. Wied
Filed: 27 Nov 19
Utility
Systems and methods for routing electronic transactions using predicted authorization approval
5 Dec 23
A method for routing electronic payment transactions includes receiving transaction-related information from a merchant, extracting transaction routing criteria from the received transaction-related information, dynamically identifying one or more eligible payment networks based on extracted transaction routing criteria, predicting a likelihood of authorization acceptance for each identified network based on the transaction-related information, dynamically identifying one or more breakeven transaction amounts for each identified eligible payment network, each breakeven transaction amount defining a point at which two or more eligible payment networks have the same expenses for a given transaction amount, the expenses including costs associated with a low predicted likelihood of authorization acceptance, and routing signature debit transactions from the merchant to a least cost PIN-less debit network selected from the eligible payment networks based on identification of a desired breakeven transaction amount for the PIN-less debit network.
Dennis A. Kettler, Ryan Clapp
Filed: 27 Oct 21