15 patents
Utility
Parallel Processing In Idle States of a Transaction Processing Protocol
30 Nov 23
Server computers of card issuer-processors can determine a mapping of dependencies of a plurality of components of a card processing protocol and create groups of components that can be executed in parallel.
Jatin Salla, Pradeep Raju, Amiel Montecillo
Filed: 16 Jun 23
Utility
Generating Bundled Sets from Predetermined Card Parameter Configurations Utilizing Machine-learning
23 Nov 23
This disclosure describes methods, non-transitory computer readable storage media, and systems that utilize machine-learning to automatically generate card management programs with varying configurations of card parameters.
Santiago Vinoth Jeyaseelan Arockiaraj, Bhavana Yarasuri
Filed: 18 May 22
Utility
Autofilling Payment Card and Card Verification Data Utilizing a Virtual Card Exchange
19 Oct 23
This disclosure describes methods, non-transitory computer readable storage media, and systems that utilize one or more virtual cards to autofill payment information at a user client device for a payment transaction.
Mark Daniel Cline, Chandrasekaran Subramaniam Iyer Krishnan, Rohan Beresford Thompson
Filed: 15 Apr 22
Utility
Computer Transaction Security with Delegated Decisions
28 Sep 23
A method for authenticating e-commerce transactions involves receiving, from a payment network computer, a first authentication request message to authenticate a transaction associated with a payment account, the first authentication request message being initiated by an issuer domain computer not implementing a 3-D Secure authorization protocol, determining that the issuer domain computer has configured, at the access control server computer, a decision function of a second portion of the 3-D Secure authorization protocol and in response thereto, transmitting, to the issuer domain computer, a decision request message and information associated with the transaction, the decision request message requesting the issuer domain computer to determine an action for authenticating the transaction based on the information associated with the transaction and one or more programmatic rules of the issuer domain computer, the transmitting occurring in lieu of the access control server computer executing the decision function at the access control server computer.
Ritesh GADEWAR, Hariharan VENKATACHALAM, Radha Krishna THAKKALAPALLY, Tory HEBERT
Filed: 30 May 23
Utility
Replicating data across databases by utilizing validation functions for data completeness and sequencing
26 Sep 23
This disclosure describes methods, non-transitory computer readable storage media, and systems that utilize a plurality of data validation processes to merge or replicate data across databases for downstream operations.
Abhishek Hodavdekar, Eric A. Pinkham, Jeffrey Jow, Nathan D. Howell
Filed: 29 Sep 22
Utility
Allocating Payment Transaction Portions to More Than One Funding Source Via a Single Card
21 Sep 23
This disclosure describes methods, non-transitory computer readable storage media, and systems that utilize a card to provide multi-funding source payment transactions between a plurality of users and a merchant system.
Mark Daniel Cline, Ashik Uzzaman
Filed: 21 Mar 22
Utility
Computer transaction security with delegated decisions
18 Jul 23
A method for authenticating e-commerce transactions involves receiving, from a payment network computer, a first authentication request message to authenticate a transaction associated with a payment account, the first authentication request message being initiated by an issuer domain computer not implementing a 3-D Secure authorization protocol, determining that the issuer domain computer has configured, at the access control server computer, a decision function of a second portion of the 3-D Secure authorization protocol and in response thereto, transmitting, to the issuer domain computer, a decision request message and information associated with the transaction, the decision request message requesting the issuer domain computer to determine an action for authenticating the transaction based on the information associated with the transaction and one or more programmatic rules of the issuer domain computer, the transmitting occurring in lieu of the access control server computer executing the decision function at the access control server computer.
Ritesh Gadewar, Hariharan Venkatachalam, Radha Krishna Thakkalapally, Tory Hebert
Filed: 17 Dec 20
Utility
Generating Cryptographic Proof of a Series of Transactions
25 May 23
In one embodiment, a computer-implemented method includes, using a transaction processor of a first computer, receiving a request from a second computer to verify a first transaction ledger in comparison to a second transaction ledger.
Micah Riggan, Tamas Henning, Grier Johnson
Filed: 19 Nov 21
Utility
Performing Card Lifecycle Actions for Card Accounts Utilizing Encryption and Double Signature Validation
18 May 23
This disclosure describes methods, non-transitory computer readable storage media, and systems that utilize encryption and double signature validation to perform card lifecycle actions for card accounts.
Temenuzhka Thede, Ronnie Flathers, Tamas Henning
Filed: 18 Nov 21
Utility
System, method, and computer program for funding a payment card account from an external source just-in-time for a purchase
25 Apr 23
The present disclosure is directed to a system, method, and computer program for funding a payment card account from an external funding gateway just-in-time for a purchase.
Tony Ford, David Matter, Daniel Osburn, Jatin Salla
Filed: 11 Apr 22
Utility
Rerouting Card-originated Payment Transactions from a Default Payment Card Network Workflow to a Blockchain System
30 Mar 23
This disclosure describes methods, non-transitory computer readable storage media, and systems that reroute card-originated payment transactions from a default payment card network workflow to a blockchain system for blockchain enabled transactions.
Sujin Park, Micah Riggan
Filed: 28 Sep 21
Utility
Parallel Processing In Idle States of a Transaction Processing Protocol
15 Dec 22
Server computers of card issuer-processors can determine a mapping of dependencies of a plurality of components of a card processing protocol and create groups of components that can be executed in parallel.
Jatin Salla, Pradeep Raju, Amiel Montecillo
Filed: 15 Jun 21
Utility
Computer Transaction Security with Delegated Decisions
23 Jun 22
A method for authenticating e-commerce transactions involves receiving, from a payment network computer, a first authentication request message to authenticate a transaction associated with a payment account, the first authentication request message being initiated by an issuer domain computer not implementing a 3-D Secure authorization protocol, determining that the issuer domain computer has configured, at the access control server computer, a decision function of a second portion of the 3-D Secure authorization protocol and in response thereto, transmitting, to the issuer domain computer, a decision request message and information associated with the transaction, the decision request message requesting the issuer domain computer to determine an action for authenticating the transaction based on the information associated with the transaction and one or more programmatic rules of the issuer domain computer, the transmitting occurring in lieu of the access control server computer executing the decision function at the access control server computer.
Ritesh Gadewar, Hariharan Venkatachalam, Radha Krishna Thakkalapally, Tory Hebert
Filed: 17 Dec 20
Utility
Cached Balance Inspection In Real-time Card Transactions
9 Jun 22
Server computers of card issuer-processors can transmit payment card authorization responses to merchant computers based on retrieving a cached card balance value that is cached at the card issuer-processor upon request by the supplier.
Ritesh Gadewar, Daniel Osburn, Prashant Punekar, Jatin Salla
Filed: 7 Dec 20
Utility
System, method, and computer program for securely transmitting and presenting payment card data in a web client
1 Jun 21
The present disclosure relates to a system, method, and computer program for securely transmitting and presenting payment card data in a web client.
Anaximandro A. Davila, Daniel Osburn, Anthony Ford, David Matter
Filed: 30 Jun 17
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