239 patents
Page 6 of 12
Utility
Systems and methods for provisioning a payment instrument
29 Nov 22
The invention relates generally to the provisioning of payment instruments onto electronic devices such as a mobile telephone, tablet, laptop or wearable, and in particular to securely provisioning payment instrument for which authorisation for the provisioning must be provided by a payment instrument issuer.
Jonathan Vokes, Nicholas Telford-Reed
Filed: 22 Apr 21
Utility
Fraud reduction electronic transaction device
29 Nov 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: 23 Jun 21
Utility
Prepaid card funding for single transaction
22 Nov 22
A computer-implemented method for prepaid card funding for a single transaction includes receiving, from a client, a request for funding a single transaction using a payment vehicle, providing funds for the single transaction with the payment vehicle, notifying the client that the funds are available for the single transaction with the payment vehicle, receiving notification from the client that the single transaction with the payment vehicle has been completed, and unloading remaining funds from the payment vehicle, such that no funds remain with the payment vehicle.
Jackson Andrew Unrau
Filed: 28 Dec 18
Utility
Systems and methods for secure normative intermediation of payments processing peripherals
22 Nov 22
Systems and methods for secure virtualized intermediated configuration and control of payment processing peripheral devices, as may be embodied in a SNIPP system, are provided.
Matthew D. Ozvat, John Berkley, Zachary A. Kurka, Lisa C. Killigrew
Filed: 27 Aug 14
Utility
Systems and methods for optimizing transaction conversion rate using machine learning
22 Nov 22
A method for optimizing transaction authorization conversion rates using machine learning 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 a machine learning training phase 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: 16 Nov 17
Utility
Methods for locating an antenna within an electronic device
8 Nov 22
A method of determining a proximity of an antenna located in a payment instrument to an antenna located within an electronic device may include receiving, at the antenna located within the electronic device, a first signal from the antenna located in the payment instrument, the first signal received at a first time, receiving, at the antenna located within an electronic device, a second signal from the antenna located in the payment instrument, the second signal received at a second time, the second time being later than the first time, determining a difference in a signal strength between the first and second signals, and displaying, on a display of the electronic device, an indication based on the determination.
Jonathan Stewart Vokes, Nicholas Telford-Reed
Filed: 9 Apr 20
Utility
Cloud-based configurable transaction management controller and method thereof
1 Nov 22
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: 21 Dec 15
Utility
Systems and methods for direct electronic communication of consumer information
1 Nov 22
A method for submission of payment transaction requests from a point of sale (POS) terminal to a financial institution includes reading payment information from a payment vehicle, reading financial institution routing information from the payment vehicle, reading a payment vehicle certificate from the payment vehicle, requesting consumer authentication information from a consumer, and submitting a payment transaction request to the financial institution using the financial institution routing information, a POS terminal certificate, and the payment vehicle certificate.
Coy A. Christensen
Filed: 25 May 21
Utility
Systems and methods for automated fraud detection and analytics using aggregated payment vehicles and devices
1 Nov 22
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: 19 Mar 18
Utility
Systems and methods for cloud-based management of payment devices
1 Nov 22
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: 17 Nov 16
Utility
Systems and methods for expedited automated merchant boarding
25 Oct 22
An expedited automated merchant boarding system in association with a distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote enhanced payment management system (EPMS).
Matthew D. Ozvat, John Berkley, Kevin Oliver, William T. Cooper
Filed: 10 May 19
Utility
Technologies for token-based authentication and authorization of distributed computing resources
4 Oct 22
Technologies for token-based access authorization to an application program interface (API) include an access management server to receive a service request message from an application executed by a remote computing device.
Scott Edward Blasi
Filed: 21 Jan 21
Utility
Closed-loop testing of integrated circuit card payment terminals
4 Oct 22
Technologies for closed-looped testing of integrated circuit card payment terminals include loading a test profile onto an integrated circuit payment card.
Patricia Lynn Walters, Steven Scott Cole
Filed: 30 Sep 20
Utility
Systems and methods for executing ecommerce guest checkout transactions
20 Sep 22
Systems and methods are disclosed for executing an electronic transaction using a digital wallet.
Ashleigh D. DePopas, Ian Hillis, Richard Scheffrin, Steven Walchek
Filed: 30 Nov 20
Utility
Methods and apparatus for unified inventory and financial transaction management
6 Sep 22
In some embodiments, a system includes one or more computers configured to implement by executing instructions on one or more processors a platform-agnostic transaction-related communication system.
Nish Modi, George Cowsar, Oleksii Skutarenko
Filed: 23 Nov 20
Utility
Technologies for conversion of mainframe files for big data ingestion
6 Sep 22
Technologies for conversion and transmission of data files from a mainframe computing system for big data ingestion.
James Franklin Hewitt, Senthil Andavar Karmegam
Filed: 7 Jan 16
Utility
System and method for third party payment at point of sale terminals
16 Aug 22
A point of sale terminal of a merchant includes a third party payment provider display area for payment using a third party payment provider.
Nicholas G. Nayfack
Filed: 6 Feb 20
Utility
Systems and methods for enhanced data routing based on data prioritization
16 Aug 22
An arbitraged enhanced payment processing system in association with a distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system.
Matthew D. Ozvat, Nicholas G. Nayfack, John Berkley, Travis L. Priest, Michelle K. Plomske, Charles E. Watts, Robert Bonestell, Daniel J. Ourada, Kevin Oliver
Filed: 13 Mar 20
Utility
Systems and methods for automated integration between payment facilitators and submerchants
16 Aug 22
Systems and methods are disclosed for automated integration between payment facilitators and submerchants.
Marlena Hubley
Filed: 21 Dec 18
Utility
Systems and methods for generating and transmitting electronic transaction account information messages
16 Aug 22
Systems and methods are disclosed for secure transmission of account information messages.
Sachin Pawaskar
Filed: 15 Dec 17