402 patents
Utility
Interactive Digital Receipt
18 Jan 24
A technique is disclosed for generating an interactive digital receipt on a device associated with a customer, where the receipt offers transaction information associated with a transaction and one or more interactive components.
David W. Maxwell, Tyler James Lettau, Lauren A. Myrick, Daniel G. Becker
Filed: 26 Sep 23
Utility
Blockchain Supported Resource Transfer Communication Protocol
11 Jan 24
Blockchain supported resource transfer communication protocol techniques are described.
Rebecca Corcillo, Emily Chiu, Moiz Jangda, Megan Coleman, Tianlong Yun
Filed: 19 Sep 23
Utility
Discovery and Communication Using Direct Radio Signal Communication
11 Jan 24
Methods, systems, and apparatus, including computer programs encoded on computer storage media, for discovery of and communication with nearby devices using direct radio signal communication.
Daniele Perito, Shuvo Chatterjee, Nathan Spindel, Jesse Wilson
Filed: 25 Sep 23
Utility
Computing Architecture for Energy-efficient Hash Computation
11 Jan 24
A hashing system includes data storage circuit elements that store words to be used for hashing a message.
William Song, Yue Yang, Bertram Leesti, Mehrdad Ramezani, Afshin Rezayee, Kajornsak Julavittayanukool, Weili Chen
Filed: 6 Jul 22
Utility
Computing Architecture for Energy-efficient Hash Computation
11 Jan 24
A hashing system (e.g., including a message expander) receives word data associated with a message.
Hashiam Kadhim, Joseph Palermo, William Feng, William Song, David Tsao
Filed: 20 Sep 23
Utility
Early payment of earned pay
9 Jan 24
Various embodiments are related to receiving, by a system and from a user interface associated with an application, provided by the system and executing on a computing device of a user, an input for configuring early payment of at least a percentage of earned pay of the user; and initiating, by the system, an electronic transfer of a payment for at least the percentage of the earned pay of the user to an account of the user, wherein the electronic transfer occurs prior to a scheduled paycheck for the earned pay.
Paul Aaron, Cody Rose
Filed: 17 Dec 21
Utility
Pairing a payment object reader with a point-of-sale terminal
9 Jan 24
In some examples, a system and method for pairing a payment object reader with a point-of-sale (POS) terminal is described herein.
Koun Han, Michael Wells White, Robert Harrison Gilliam
Filed: 30 Jun 16
Utility
Modeling to Generate Dynamic Electronic Representations
4 Jan 24
Generation of dynamic electronic representations using modeling is described.
Ragavan Thurairatnam, Marc Tyndel, Louay Hazami, Per Engstrom, Jeremy Mawson, Thomas Collier, Rocky Medure
Filed: 30 Jun 22
Utility
Provisioning Temporary Functionality to User Devices
4 Jan 24
An entity computing device associated with a service provider can temporarily provision access to a functionality associated with the service provider to user computing devices operated by users associated with the entity.
Claudia Ng, John Lewis
Filed: 7 Sep 23
Utility
Identity verification using payment instrument(s)
2 Jan 24
Identity verification using payment instrument(s) is described.
Oliver S. C. Quigley
Filed: 18 Dec 19
Utility
Technical fallback infrastructure
2 Jan 24
Examples, methods and systems described herein may include determining, by a payment processing system, whether a second payment mechanism may be used to perform a payment transaction when a first payment mechanism is preferred and/or when the first payment mechanism has failed.
Michael Wells White, Charles Nicholson, David Terra, Jason Holmes, Martin Mroz
Filed: 28 Dec 20
Utility
Thermo-sensitive payment card
2 Jan 24
Technology is described for providing and using a thermo-sensitive payment card.
Kyle Fletcher, Ashutosh Dhodapkar
Filed: 14 Jun 22
Utility
Intelligent inventory system
2 Jan 24
Systems and methods for an intelligent inventory system are disclosed.
Matthew Capers, Brian Stegall, Katherine Brennan, Marsal Gavalda, Matthew O'Connor
Filed: 31 Jul 18
Utility
Payment by use of identifier
2 Jan 24
Described is a technology that enables a customer, who uses a payment card in a point-of-sale (POS) transaction and provides a biometric identifier to the merchant, to use the biometric identifier as a payment mechanism in future transactions.
Brian Grassadonia, Ajit Kalidindi Varma, Mark Jen
Filed: 7 Nov 22
Utility
Multi-source transaction processing
2 Jan 24
A device may run an application having information with multiple accounts associated with processing of transactions.
Afshin Rezayee, Malcolm Smith, Lev Kusman, Gokhan Aydeniz, Yasser Zabuair, Jesse Wilson, Shawn Zurbrigg, Murat Cat
Filed: 30 Sep 19
Utility
Frictionless entry into combined merchant loyalty program
2 Jan 24
Techniques and arrangements for concurrent processing of payments to multiple merchants in a shared program are described.
Yongxue Qi, John Berian James, Amrik Kochhar
Filed: 30 Nov 22
Utility
Credit offers based on non-transactional data
2 Jan 24
In some examples, a system receives first transaction data for first transactions processed by a payment service, and uses a first model to determine, based on the first transaction data, that a probability of default for a user of the payment service satisfies a threshold.
Juan Ignacio Santa Cruz Masoni, Philip Spanoudes, Melissa Doerken, Jerome Weiss
Filed: 8 Oct 21
Utility
Authorization data representation for installment eligibility
2 Jan 24
A computer-implemented method for facilitating payment of a total amount comprising multiple future instalments by a customer (3), the method comprising: receiving, at an instalment payment server (5), an indication from a mobile device (7) associated with the customer (3) to set up the payment by the multiple future instalments; generating first authorisation data indicative of an authorisation of the multiple future instalments; sending the first authorisation data to a mobile device (7).
Nicholas Molnar, David Whiteman
Filed: 27 May 22
Utility
Contacts for Misdirected Payments and User Authentication
28 Dec 23
In one embodiment, a method includes receiving, by a payment service system (PSS), a payment request from a payment application executing on a device of a sender.
Brian GRASSADONIA, Ayokunle OMOJOLA, Michael MORING, Robert ANDERSEN, Daniele PERITO, Kristopher STIPECH
Filed: 5 Sep 23
Utility
Embedded Card Reader Security
21 Dec 23
Systems, devices, and methods for embedded card reader security include configuring a personal account number (PAN) application installed on a device to utilize an embedded card reader (ECR) and receiving, at the PAN application and based at least in part on an interaction between the ECR and the device, a PAN for a transaction.
Murat Cat, Murtaza Munaim, Gokhan Aydeniz, Conrad Rushing
Filed: 16 Jun 23