239 patents
Page 5 of 12
Utility
Wireless communication between electronic devices in close proximity
28 Mar 23
A method of communicating between a first electronic communication device of a plurality of electronic communication devices and a wireless communication initiating device for reading the first electronic communication device.
Daren Pickering, Nicholas Telford-Reed
Filed: 10 May 22
Utility
Systems and methods for automated authoring, distributing, and processing electronic data files
7 Mar 23
A computerized enhanced discreet coupon (EDC) processing system processes shopper EDC(s) using a scanner and a processor.
Travis L. Priest
Filed: 10 Dec 21
Utility
Systems and methods for automated fraud detection and analytics using aggregated payment vehicles and devices
21 Feb 23
Systems and methods are disclosed for automated fraud detection and analytics using aggregated payment vehicles and devices, at the individual and/or household level.
David Mattei, Dennis Kettler
Filed: 31 Aug 22
Utility
Systems and methods for encryption and decryption service for electronic transaction monitoring and reporting
21 Feb 23
A method for electronic transaction monitoring and reporting includes: determining whether the received transaction request is encrypted, upon determining that the received transaction request is not encrypted, sending a failure alert to the merchant, determining a receiving acquirer processor for the transaction request, and transmitting the transaction request to the determined acquirer processor.
Brant Peterson
Filed: 15 Dec 17
Utility
Methods and systems for seamlessly transporting objects between connected devices for electronic transactions
21 Feb 23
Methods and Systems are disclosed for displaying objects between disparate devices connected to an electronic network.
Kevin Gordon, Charlotte Spender
Filed: 14 Apr 20
Utility
Methods and systems for displaying virtual objects from an augmented reality environment on a multimedia device
14 Feb 23
Methods and systems are disclosed for displaying an augmented reality virtual object on a multimedia device.
Kevin Gordon, Charlotte Spender
Filed: 21 Dec 21
Utility
Systems and methods for registering computer server event notifications
14 Feb 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: 30 Sep 21
Utility
Decentralized computer systems and methods for using a debit network as an intermediary between distributed ledgers
7 Feb 23
Decentralized computer systems and methods are disclosed for using a debit network as an intermediary between distributed ledgers.
Chandra Olson
Filed: 25 May 21
Utility
Methods and systems for regulating operation of units using encryption techniques associated with a blockchain
7 Feb 23
Methods and systems for regulating generation of units according to at least one encryption technique associated with a blockchain are disclosed.
Cassie Boutelle, Lou Grilli, Troy Land, James Heystek, Wade D. Murray
Filed: 30 Apr 20
Utility
Systems and methods for routing electronic transactions using network simulation and forecasting
10 Jan 23
Systems and methods are for routing electronic payment transactions to PIN-less networks using payment pseudo-networks and electronic transaction simulation.
Dennis A. Kettler, Scott Wayne DeAngelo
Filed: 26 Mar 21
Utility
Systems and methods for partial authorization of electronic transactions
10 Jan 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: 23 Mar 20
Utility
Systems and methods to configure pin pad for microprocessor-enabled and contactless payment vehicle
3 Jan 23
A method of network configuration of a personal identification number (PIN) pads includes receiving a request to upgrade a PIN pad from a merchant or an individual software vendor (ISV) to read microprocessor-enabled or contactless payment vehicles, retrieving a PIN pad configuration hash value from the PIN pad, obtaining current configuration using the hash value, sending instructions to the PIN pad to upgrade the PIN pad over a network if the PIN pad is capable of reading microprocessor-enabled or contactless payment vehicles, and downloading and installing drivers to enable PIN pad readers to read and process at least one of the microprocessor-enabled payment vehicles and contactless payment vehicles according to the instructions.
Bryan Cox
Filed: 21 Jun 22
Utility
Methods and systems for acoustic authentication
3 Jan 23
Systems and methods are disclosed for generating an acoustic authentication data entry interface.
Daren L. Pickering
Filed: 27 Dec 18
Utility
Systems and methods for client-side management of recurring payment transactions
3 Jan 23
Systems and methods disclosed herein for the client-side management of recurring payment transactions.
Snehal Desai
Filed: 27 May 20
Utility
Cloud-based configurable transaction management controller and method thereof
3 Jan 23
Technologies for remotely managing payment authorization request messaging for payment transactions include a transaction management controller of one environment and a point of interaction device of another environment.
Francois B. Bergeon, Scot A. Bryant, Coy A. Christensen
Filed: 13 Mar 20
Utility
Systems and methods for prepaid card funding for sponsored purchases
3 Jan 23
A computer-implemented method for prepaid card funding for sponsored purchases includes receiving a payment request for funding a sponsored purchase using a payment vehicle, deducting funds from a financial account associated with the payment vehicle, such that the financial account has a negative balance, and loading additional funds into the financial account associated with the payment vehicle, such that the financial account has a zero balance.
Jackson Andrew Unrau
Filed: 28 Dec 18
Utility
Systems and methods for single message transactions with batch settlement
3 Jan 23
A computer-implemented method for processing single message transactions with batch settlement may include receiving a dual-message transaction from a merchant, converting the received dual-message transaction to a single-message transaction, setting a flag on the converted single-message transaction indicating the conversion to a single-message transaction, receiving a batch settlement file from the merchant, for each transaction in the batch settlement file, determining whether the single-message transaction conversion flag is set, upon determining that the single-message transaction conversion flag is not set, storing the transaction for later processing, and upon determining that the single-message transaction conversion flag is set, sending the transaction to a payment network.
Ramesh Vijayaraghavan, Samuel Adams
Filed: 17 Aug 20
Utility
Systems and methods for preventing identity fraud of electronic transaction device
27 Dec 22
Tamper-proofing and secure identity validation techniques in a transaction processing system and secure electronic payment techniques are disclosed.
Daren Lee Pickering, Jonathan Stewart Vokes, Nicholas Telford-Reed
Filed: 8 Jul 21
Utility
Wireless communication between electronic devices in close proximity
27 Dec 22
A method of communicating between a first electronic communication device of a plurality of electronic communication devices and a wireless communication initiating device for reading the first electronic communication device.
Daren Pickering, Nicholas Telford-Reed
Filed: 30 Dec 21
Utility
Methods and systems for collecting and releasing virtual objects between disparate augmented reality environments
6 Dec 22
Methods and systems are disclosed for collecting and releasing virtual objects between disparate augmented reality environments.
Kevin Gordon, Charlotte Spender
Filed: 15 Nov 19