2157 patents
Utility
Methods and Systems for Performing Secure Transactions Associated with Instructions Received In Natural Language Form
18 Jan 24
Embodiments provide methods and systems for facilitating scheduled payment transactions to users via an application provided by the server system, the application available on the user device.
Peeyush Bansal, Avinash Kumar, Rishabh Mehra
Filed: 28 Sep 23
Utility
Rapid Secure Wireless Transaction
18 Jan 24
A method for carrying out a wireless transaction for authorization through a transaction processing system between a first computing device and a second computing device is described.
Cristian Radu, Alan Johnson
Filed: 17 Jul 23
Utility
Methods and Systems for Extending Installment Options
18 Jan 24
Systems and methods are provided for extending installment options to users.
Abhinava Srivastava, Timothy Fletcher
Filed: 14 Jul 22
Utility
Method and System for Transferring Digital Tokens to and from a Physical Card
18 Jan 24
A method and system are disclosed for transferring digital tokens to and from a physical payment card.
Sarala BURADAGUNTA, Rakesh YADAV, Sébastien LE CALLONNEC
Filed: 29 Sep 23
Utility
Systems, Methods, and Non-transitory Computer-readable Media for Biometrically Confirming Trusted Engagement
18 Jan 24
Systems, methods, and non-transitory computer-readable media for biometrically confirming a trusted engagement between two or more individuals that overcomes an identity challenge from a digital environment.
Przemek Praszczalek
Filed: 15 Jul 22
Utility
System and computer-implemented method for depersonalizing data being switched between jurisdictions in a payments systems
16 Jan 24
A system and computer-implemented method for depersonalizing financial transaction data being switched by a switching service (e.g., an interchange network) between an acquirer and an issuer located in different countries.
Mikhail Veltishchev
Filed: 1 Jul 22
Utility
Systems and methods for authenticating online users with an access control server
16 Jan 24
A computer-implemented method for authenticating an online user with an access control server (ACS) is provided.
Julia Sharon Gosset, Robert Albert Ederle, Ranjita Shankar Iyer, Brian Piel, Christopher John Merz, Felix Johannes Flory, Andres Gonzalez
Filed: 21 Jun 19
Utility
Method and system for identification of shared devices for fraud modeling
16 Jan 24
A method for fraud modeling based on shared computing device usage includes: storing transaction data entries, each including a transaction date and/or time, account identifier, and device identifier associated with a computing device; receiving a transaction message for a payment transaction, the transaction message including a specific device identifier, primary account number, and additional transaction data; identifying transaction data entries where the included device identifier corresponds to the specific device identifier; determining a fraud risk rating based on a number of unique account identifiers included in the identified transaction data entries over a predetermined period of time; and transmitting the transaction message and the determined fraud risk rating to a financial institution associated with the primary account number.
Todd Christian Lowenberg, Rohit Chauhan
Filed: 9 Sep 22
Utility
Method and system of using miner commitment to reward proofs
16 Jan 24
A method and system for awarding blocks in a blockchain for mining based on commitment to a blockchain network.
Shubham Jain, Yashika Sharma, Chandan Garg
Filed: 9 Jul 20
Utility
Method and System for Universal Control Account Activities
11 Jan 24
A method for application of account and transaction controls on a payment token includes: storing, in a first device of a system, a control profile including a token number and transaction controls; storing, in a second device of the system, a token profile including the token number and a corresponding account number; receiving, at the first device, a transaction message including a data element having the token number and additional transaction data; determining, by the first device, compliance with the transaction controls based on the additional transaction data; transmitting the transaction message from the first to the second device; replacing, by the second device, the token number with the account number in the transaction message; and transmitting, by the second device, the transaction message to a financial institution associated with the account number.
James John ANDERSON, Sandeep MALHOTRA, Amyn Mohamed DHALA, Alan JOHNSON
Filed: 21 Sep 23
Utility
Computer-implemented Systems and Methods for Payment Routing
11 Jan 24
A system for payment routing programmed to: receive a payment transaction message relating to a putative transaction, the payment transaction message containing putative transaction data identifying an account of an accountholder and a transaction amount corresponding to the putative transaction; input at least some of the putative transaction data to a scaled score algorithm to generate a scaled score representing the likelihood of settlement of the putative payment transaction on a date, the scaled score algorithm including a plurality of components each respectively outputting a value and the scaled score being based on the plurality of values; generate metadata regarding the scaled score by applying a plurality of contribution rules to the values, the metadata comprising significance indicators for the components with respect to the generation of the scaled score; and output the scaled score and the metadata regarding the scaled score in response to the payment transaction message.
Nicholas Bryan Baguley, Serenie Gagon, Natesh Babu Arunachalam, Justin A. Harnish, Cameron Bell, Daniel Roper
Filed: 21 Sep 23
Utility
Computer-implemented Systems and Methods for Payment Routing
11 Jan 24
A system for payment routing programmed to: receive a payment transaction message relating to a putative payment transaction of an accountholder, the payment transaction message containing putative payment transaction data including a transaction amount corresponding to the putative payment transaction; identify a plurality of accounts corresponding to the accountholder based on the payment transaction message; implement a payment split among the accounts, the payment split assigning a proportion of the transaction amount to each of the accounts; and generate a scaled score representing the likelihood of settlement of the assigned proportion of the transaction amount via each of the accounts on a date.
Shawn J. Mehrhoff
Filed: 21 Sep 23
Utility
Computer-implemented Systems and Methods for Payment Routing
11 Jan 24
A system for payment routing programmed to: receive a payment transaction message relating to a putative transaction, the payment transaction message containing putative transaction data identifying an accountholder and a transaction amount corresponding to the putative transaction; input historical transaction data for the accountholder and at least a portion of the transaction amount to a scaled score algorithm to generate scaled scores for corresponding potential settlement dates, each of the scaled scores representing the likelihood of settlement of the putative transaction from an account of the accountholder on the corresponding one of the potential settlement dates; retrieve, from a financial institution corresponding to the account, actual account balances for the account on the corresponding potential settlement dates; and retrain the scaled score algorithm using the actual account balances.
Nicholas Bryan Baguley, Serenie Gagon, Natesh Babu Arunachalam, Justin A. Harnish, Cameron Bell, Daniel Roper
Filed: 21 Sep 23
Utility
Computer-implemented Systems and Methods for Payment Routing
11 Jan 24
A system for payment routing programmed to: receive a payment transaction message relating to a putative payment transaction of an accountholder, the payment transaction message containing putative payment transaction data including a transaction amount corresponding to the putative payment transaction; identify a plurality of accounts corresponding to the accountholder based on the payment transaction message, the accounts being held with a plurality of financial institutions; and responsive to receipt of the putative transaction data, generate a scaled score representing the likelihood of settlement of the putative payment transaction on a date for each of accounts held with the financial institutions.
Shawn J. Mehrhoff
Filed: 21 Sep 23
Utility
Computer-implemented Systems and Methods for Payment Routing
11 Jan 24
A system for payment routing programmed to: receive a payment transaction message relating to a putative transaction, the payment transaction message containing putative transaction data identifying an accountholder and a transaction amount corresponding to the putative transaction; input historical transaction data for the accountholder and at least a portion of the transaction amount to a scaled score algorithm to generate scaled scores, each of the scaled scores representing the likelihood of settlement of the putative transaction on a corresponding date and payment rail; output the scaled scores to a merchant in response to the payment transaction message; receive, from the merchant and in response to the output, feedback data for the putative transaction, the feedback data including a date of attempted payment processing for the putative transaction and an indicator of whether the attempted payment processing was completed; and retrain the scaled score algorithm using the feedback data.
Nicholas Bryan Baguley, Serenie Gagon, Natesh Babu Arunachalam, Justin A. Harnish, Cameron Bell, Daniel Roper
Filed: 21 Sep 23
Utility
System and method to support payment acceptance capability for merchants
9 Jan 24
A transaction payload is received that represents at least i) a transaction initiated between a merchant and a customer, ii) an identification of the merchant, iii) an amount of the transaction, and iv) a transaction account associated with the customer.
Manoneet Kohli
Filed: 31 Jul 20
Utility
Method and system for contactless transmission using off-the-shelf devices
9 Jan 24
A method for secured receipt and usage of payment credentials using a commercial-off-the-shelf (COTS) device includes: storing, in the COTS device, a secure application program and cryptographic keys; establishing, by the program, a secure communication channel with a back-end system inaccessible by any application program or component in the COTS device; exchanging attestation data between the program and the back-end system using the communication channel; receiving payment credentials from a payment card by a near field communication (NFC) interface in the COTS device; transmitting the payment credentials to the program by the NFC interface; enciphering, by the program, the payment credentials; and transmitting, by the program of the COTS device, the enciphered payment credentials to the back-end system using the secure communication channel.
Alan Mushing, Fernando Lourenco, Bruce John Rutherford
Filed: 22 Jun 22
Utility
Secure presentation of transaction card data of numberless transaction cards
9 Jan 24
A method for securely presenting transaction card data of a transaction card includes receiving, by a server, a pairing request to pair the transaction card with a user device.
Kumar Abhinav, Ankush Solke, Aniket Anil Parab, Manjunath More
Filed: 26 May 21
Utility
Systems and methods for identifying synthetic party identities associated with network communications
9 Jan 24
Systems and methods are provided for use in identifying synthetic party identities.
Reza Rahimi
Filed: 17 Feb 21
Utility
Communication device, computer-implemented methods and software for obtaining information offline
9 Jan 24
An application running on a user's mobile communication device photographically captures images of a code image.
Lloyd Fernandes
Filed: 5 Mar 19