215 patents
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
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
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
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
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
Systems and methods for constructing programmable credential and security cards
19 Dec 23
A method for designing and constructing a thin programmable dynamic credential card is disclosed.
Kuldeep Amarnath, Ashutosh Dhodapkar
Filed: 8 Jul 22
Utility
Product catalog services
19 Dec 23
Product catalogs are received at a first point-of-sale (POS) device of a first business entity from POS devices of a second business entity and a third business entity.
Mark Jen, Shawn Morel
Filed: 31 May 23
Utility
Point of sale device with cradle for computing device
19 Dec 23
A point of sale (POS) device includes a nest portion and a cradle portion.
Jeremy Martin, Mani Razaghi Kashani, Nicholas Kunst, Brett Andler, Steven Stallion, Rowan Schultz, Yenliang Chen, Cory Douthat, Marvin Balaoro
Filed: 11 Sep 20
Utility
Batch-processing transactions in response to an event
19 Dec 23
Batch-processing of open tabs associated with one or more customers of a merchant is described.
Kyle Callender
Filed: 30 Dec 20
Utility
Integrated database for expediting transaction processing
12 Dec 23
Expedited transaction processing using a database of integrated in-store and online transactions is described.
Ajit Kalidindi Varma, Joseph Loree Robinson, Andrew Lin, Jesse Reiss
Filed: 26 May 21
Utility
Rewards for a virtual cash card
12 Dec 23
A computer-implemented method including storing assets from an external entity in a first wallet of a payment service; training a machine-learning model using transaction data, user data, and/or rewards data; determining, using the machine-learning model, reward offers personalized for a user; activating a reward offer; receiving a request to process payment for a user's payment transaction; determining that a reward configuration is applicable; determining an amount of stored assets to assign to the user and assigning the assets to a second wallet of the user, wherein assigning the amount comprises: updating, using an internal ledger, the first wallet to indicate that a portion of the stored assets is owned by the user; and updating the second wallet to indicate ownership of the amount of the asset, wherein the updating of the first wallet and the second wallet is performed without accessing the external entity when updating.
Benjamin Shen, Rebecca Corcillo, Michael Duane, Owen Jennings
Filed: 30 Dec 20
Utility
Point of sale system
5 Dec 23
A point-of-sale system is a dual-screen stand assembly that includes a merchant terminal and a consumer terminal.
Yenliang Chen, Isreal Blagdan, Michael C. Lamfalusi, Kartik Lamba, Jeremy Wade
Filed: 19 Feb 20
Utility
Open ticket payment handling with offline mode
5 Dec 23
A payment handling system may operate to handle payments for the cost of a transaction in which one or more devices operate in an offline mode.
Christopher Philip Renke, Michael Wells White, Eric Dickeson Muller, Mathew Wilson
Filed: 26 Apr 21
Utility
Apportioning a payment amount among multiple payers
28 Nov 23
The disclosed technique enables a payer who uses a payment object to pay for goods or services to specify, by using a mobile device, how the payment amount should be apportioned the payer and additional payers.
Nathan Spindel, Shawn Morel, Nefaur Rahman Khandker
Filed: 1 Jun 22