239 patents
Page 4 of 12
Utility
Systems and methods for partial authorization of electronic transactions
18 Jul 23
A method for managing payment submissions includes receiving, at an acquirer computing system, an authorization request submitted by a merchant computing system for a transaction of a predefined amount, the merchant computing system being associated with a merchant, and the authorization request identifying account information for an account that is associated with a payment card network and an issuer processor; and re-transmitting the authorization request for less than the predefined amount and greater than a configurable threshold value, until the authorization request is approved by the issuer processor or until the authorization request falls below the configurable threshold value.
Sunil Dixit
Filed: 24 May 21
Utility
Systems and methods for translating data read from proxy APIs into computing code
11 Jul 23
A method for automatically generating sample code for an API for payment processing in a payment network includes reading an acquirer processor-specific API for payment processing in a payment network using an acquirer processor-specific API reader, generating acquirer processor-specific API data using the acquirer processor-specific API reader, converting the acquirer processor-specific API data into a format compatible with an output generator, and generating language-specific sample code by the output generator using the converted acquirer processor-specific API data and a language-specific template.
Robert Jacob Perry
Filed: 3 May 22
Utility
Systems and methods to provide user verification in a shared user environment via a device-specific display
11 Jul 23
A method of generating a shared augmented reality payment authentication entry interface includes detecting a first consumer device and a second consumer device; prompting a display of a first augmented reality payment authentication interface at the first consumer device; and prompting a display of a second augmented reality payment authentication interface at the second consumer device.
Charlotte Spender
Filed: 6 Jan 22
Utility
Systems and methods for substitute low-value tokens in secure network transactions
11 Jul 23
Methods and systems are disclosed for enabling the creation of substitute low-value token creation, comprising providing software content to a content delivery network wherein, when transmitted to a user browser, the software content is configured to enable the user browser to create a substitute low-value token if a token service is unavailable, wherein the content delivery network is configured to provide the software content to at least one user browser, and receiving the substitute low-value token from a merchant system, the substitute low-value token having been generated by the user browser in response to the user browser being unable to obtain a low-value token from the token service.
Stefan K. Karaivanov
Filed: 17 Dec 21
Utility
Combination payment card and methods thereof
4 Jul 23
Systems and methods for processing payment transactions using combination payment cards.
Thomas E. Rafferty, Bryan T. Bailey, Christopher S. Postell
Filed: 18 Feb 21
Utility
Systems and methods for cloud based pin pad device gateway
27 Jun 23
A method of processing payment transactions includes receiving a connection request from a client device, determining whether a gateway is available for the client device, creating a connection between the client device and a gateway, the gateway being a previously existing gateway or a newly generated gateway, creating a message filter for the client device on a message bus, listening for messages on the message bus and transmitting the message to the client device by way of the gateway upon finding a message on the message bus matching the message filter.
Walter Banks, Christopher Guthrie
Filed: 25 Mar 21
Utility
Systems and methods for optimizing transaction authorization conversion rate
27 Jun 23
A method for optimizing transaction authorization conversion rates includes retrieving payment transaction parameters and authorization results for a plurality of past payment transactions, generating authorization success factors for each of a plurality of payment transaction parameters based on the retrieved payment transaction parameters and authorization results, receiving, at an acquirer processor, a payment transaction from a merchant, modifying one or more parameters of the payment transaction according to the generated authorization success factors, and submitting the modified payment transaction to a financial institution for processing.
William H. Cohn, Sayid Shabeer, Ned Canning
Filed: 29 Dec 21
Utility
Methods and systems for secure authentication in a virtual or augmented reality environment using an interactive icon
30 May 23
Methods and systems are disclosed for providing secure authentication in a virtual or augmented reality environment using an interactive icon.
Antoniya Kuneva
Filed: 13 Dec 19
Utility
Systems and methods for executing electronic transactions with dynamically loadable transaction processing modules
30 May 23
Technologies for managing payment authorization request messaging for payment transactions include a transaction management controller.
Francois B. Bergeon
Filed: 17 May 21
Utility
Systems and methods for subscribing topics and registering computer server event notifications
30 May 23
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: 17 Jun 22
Utility
Dynamically configurable transaction management controller and method thereof
23 May 23
Technologies for managing payment authorization request messaging for payment transactions include a transaction management controller.
Francois B. Bergeon, Scot A. Bryant, Coy A. Christensen
Filed: 27 Aug 21
Utility
Systems and methods for cloud based messaging between electronic database infrastructure
23 May 23
A method of cloud based messaging includes receiving a message and a message topic from a message sender, storing the message topic and the message on a message queue, retrieving the message from the message queue, translating the message from a message bus protocol to a recipient protocol and transmitting the translated message to a message recipient.
Walter Banks, Christopher Guthrie
Filed: 27 Aug 21
Utility
Multi-platform electronic payment transaction risk profiling
16 May 23
Technologies for enhancing payment transactions include a payment gateway computing system.
Joseph A. Pappano
Filed: 8 Jan 16
Utility
Terminal for conducting electronic transactions
16 May 23
The present disclosure is drawn to, among other things, a method of providing a payment terminal application on an electronic device, the electronic device comprising a volatile storage module, a user input module and a network interface module.
Jonathan Stewart Vokes, Nicholas Telford-Reed
Filed: 2 Feb 18
Utility
System and methods for transaction-based process management
9 May 23
Systems and methods for transaction/file-based management of a plurality of processes associated with various jobs are provided.
Jackson Andrew Unrau, Shawn Edward McCarthy, Matthew Ray Cook
Filed: 8 Mar 21
Utility
Systems and methods for payment processing on platforms
9 May 23
Systems and methods for payment processing on devices are provided.
Robert Bonestell, Kevin Oliver, Matthew D. Ozvat, Andrew Harris, Daniel Ourada
Filed: 21 Aug 19
Utility
Systems and methods for optimizing transaction conversion rate using measured feedback
9 May 23
A method for optimizing transaction authorization conversion rates using measured feedback includes retrieving payment transaction parameters and authorization results for a plurality of past payment transactions from a database, generating a transaction success model comprising authorization success factors for each of a plurality of payment transaction parameters using data science methods for statistical inference based on the retrieved payment transaction parameters and authorization results, receiving, at an acquirer processor, a payment transaction from a merchant, modifying one or more parameters of the payment transaction according to the generated transaction success model, and submitting the modified payment transaction to a financial institution for processing.
William H. Cohn, Sayid Shabeer, Ned Canning
Filed: 30 Apr 21
Utility
System and method for payment processing telemetry
18 Apr 23
A computer-implemented system and method of tracking telemetry data at a financial computing system is presented.
Jackson Andrew Unrau
Filed: 24 Oct 14
Utility
System and method for payment platform self-certification for processing financial transactions with payment networks
11 Apr 23
Payment platforms such as point of sale terminals can send test transactions to an acquirer processor certification and analytics system for certification of the payment platform's readiness to perform financial transaction processing with payment networks.
Johan Mattias Nordlof, Douglas Michael Bay
Filed: 30 Sep 20
Utility
Systems and methods for executing electronic transactions and tokenizations with distributed settlement platform
11 Apr 23
Systems and methods for executing a distributed electronic transaction by a processing system are disclosed.
Danny K. Russell, Thomas Helldorff
Filed: 10 Feb 21