76 patents
Utility
Transaction authorization
9 May 23
There is discussed a method of authorising an electronic transaction in which a user device receives a shared secret and a shared secret identifier.
Graham Lewis
Filed: 7 Nov 16
Utility
Network-based Calculation of Affinity Score from Transaction Data
4 May 23
Disclosed herein is a computer-implemented method for calculating an affinity score for an entity in one or more transactions of a plurality of transactions, each transaction involving the transfer of an asset from an associated sending entity to an associated receiving entity.
Hyeonmin NA, Paul ROLLINGS
Filed: 18 Jun 20
Utility
System and method for secured account numbers in proximily devices
14 Mar 23
A technique for improving the security of a portable consumer device may include storing a first account identifier and a second account identifier associated with the first account identifier, the second account identifier and the first account identifier being associated with the same account on the portable consumer device.
Patrick Gauthier, Brian Maw, Patrick Faith, Barbara Patterson
Filed: 11 Jan 21
Utility
Cardless Challenge Systems and Methods
19 Jan 23
Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided.
Mark Carlson, Surendra Keshan, Patrick Faith
Filed: 16 Sep 22
Utility
Consumer Authentication System and Method
5 Jan 23
A method for authenticating a consumer.
Ayman Hammad, Patrick Faith, Mark Carlson
Filed: 13 Sep 22
Utility
Managing Communication Of Sensitive Information
29 Dec 22
Disclosed herein is a computer-implemented method of managing sensitive information and the communication thereof.
Ranjiva Prasad, Maheswaran VIRUPATCHAN, Vishal GANGWANI, Dean KRAMER
Filed: 5 Sep 19
Utility
On-line authorization in access environment
15 Nov 22
A method is disclosed.
Ayman Hammad, Philip Dixon, Khalid El-Awady, Patrick Faith, Mark Carlson
Filed: 13 Jul 21
Utility
Payment System For Authorizing A Transaction Between A User Device And A Terminal
3 Nov 22
Methods, apparatus and computer software are provided for authorizing an EMV transaction between a user device and a point of sale terminal, particularly, but not exclusively, in situations where a secure element is not made available for the deployment of a payment application on the user device.
Stuart Fiske
Filed: 6 Jul 22
Utility
Consumer authentication system and method
1 Nov 22
A method for authenticating a consumer.
Ayman Hammad, Patrick Faith, Mark Carlson
Filed: 30 Aug 18
Utility
Cardless challenge systems and methods
25 Oct 22
Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided.
Mark Carlson, Surendra Keshan, Patrick Faith
Filed: 25 Feb 19
Utility
Payment system for authorizing a transaction between a user device and a terminal
16 Aug 22
Methods, apparatus and computer software are provided for authorizing an EMV transaction between a user device and a point of sale terminal, particularly, but not exclusively, in situations where a secure element is not made available for the deployment of a payment application on the user device.
Stuart Fiske
Filed: 4 Oct 13
Utility
Method and system for transferring data
5 Jul 22
Systems, methods and computer programs for transferring data in a communication system are described.
Boris Taratine
Filed: 21 May 19
Utility
Method And System For Transferring Data
23 Jun 22
Systems, methods and computer programs for transferring data in a communication system are described.
Boris Taratine
Filed: 9 Mar 22
Utility
Enabling access to data
15 Mar 22
Systems, methods and apparatus for enabling access to secure data.
Boris Taratine
Filed: 19 Sep 19
Utility
Transaction evaluation for providing rewards
15 Mar 22
Loyalty program points are pre-selected by a consumer and exchanged for a corresponding value-added reward also pre-selected by the consumer.
Edward W. Fordyce, III
Filed: 27 Sep 18
Utility
Payment Device
6 Jan 22
A program for running on a processor of a portable payment device is adapted for carrying out a payment interaction and permitting ticket storage in a memory of the portable payment device.
Omar Rifaat, David Wilson
Filed: 15 Sep 21
Utility
Method And System For Transmitting Credentials
23 Dec 21
Method and apparatus for transmitting credentials to a transaction processing system, the credentials arranged in sets and a set including a unique identifier and verification data elements.
Paul Michael Carpenter, Jonathan Paul Sumpster, Andrew Paul Thompson, Christopher Ian Abrathat, Jonathan Rusca, Jean-Christophe Gilbert Lacour, Michael Ronald Philpotts
Filed: 3 Sep 21
Utility
Mobile payment management
7 Dec 21
A method for managing mobile payments in a mobile phone.
David Wentker, Erick Wong, Doug Deibert, Gavin Shenker
Filed: 30 Jul 19
Utility
Electronic Transaction System
25 Nov 21
There is disclosed a method of authorising an electronic transaction, the method involving a server receiving transaction details for the electronic transaction and an identifier for a participant in the electronic transaction.
Onkar S. BAHIA, Jacques ANTOINE-GODET, Edward CUMMINS, Klaus KROGER
Filed: 5 Apr 19
Utility
Transaction Authentication Using Network
18 Nov 21
Systems and method for improved consumer and portable consumer device authentication are disclosed.
Ayman Hammad, Patrick Faith, Mark Carlson
Filed: 28 Jul 21