498 patents
Page 5 of 25
Utility
Methods and apparatus for unified inventory and financial transaction management
19 Sep 23
In some embodiments, a system includes one or more computers configured to implement by executing instructions on one or more processors a platform-agnostic transaction-related communication system.
Nish Modi, George Cowsar, Oleksii Skutarenko
Filed: 25 Jul 22
Utility
Combination Payment Card and Methods Thereof
14 Sep 23
Systems and methods for processing payment transactions using combination payment cards.
Thomas E. RAFFERTY, Bryan T. BAILEY, Christopher S. POSTELL
Filed: 19 May 23
Utility
Fraud Reduction Electronic Transaction Device
14 Sep 23
Tamper-proofing and secure identity validation techniques in a transaction processing system and secure electronic payment techniques are disclosed.
Daren Lee PICKERING, Jonathan Stewart VOKES, Nicholas TELFORD-REED
Filed: 2 Nov 22
Utility
Wireless communication between electronic devices in close proximity
12 Sep 23
A method of communicating between a first electronic communication device of a plurality of electronic communication devices and a wireless communication initiating device for reading the first electronic communication device.
Daren Pickering, Nicholas Telford-Reed
Filed: 10 Jan 23
Utility
Systems and Methods for Cloud Based Pin Pad Device Gateway
7 Sep 23
A method of processing payment transactions includes receiving a connection request from a client device, determining whether a gateway is available for the client device, creating a connection between the client device and a gateway, the gateway being a previously existing gateway or a newly generated gateway, creating a message filter for the client device on a message bus, listening for messages on the message bus and transmitting the message to the client device by way of the gateway upon finding a message on the message bus matching the message filter.
Walter BANKS, Christopher GUTHRIE
Filed: 12 May 23
Utility
Systems and Methods for Predictive Analysis of Electronic Transaction Representment Data Using Machine Learning
7 Sep 23
Systems and methods are disclosed for generating a prediction on chargeback representment based on probability data and/or results from a plurality of machine learning models.
Rajiv RAMANJANI, Yogendra KATHERIA, Harsh SHARMA, Rahul Pramod NANDANWAR, Bhanu Sirisha POTHUKUCHI, Rohit V. RAUT, Milin KAPOOR
Filed: 7 Jun 22
Utility
Systems and Methods for Optimizing Transaction Authorization Conversion Rate
7 Sep 23
A method for optimizing transaction authorization conversion rates includes retrieving payment transaction parameters and authorization results for a plurality of past payment transactions, generating authorization success factors for each of a plurality of payment transaction parameters based on the retrieved payment transaction parameters and authorization results, receiving, at an acquirer processor, a payment transaction from a merchant, modifying one or more parameters of the payment transaction according to the generated authorization success factors, and submitting the modified payment transaction to a financial institution for processing.
William H. COHN, Sayid SHABEER, Ned CANNING
Filed: 12 May 23
Utility
Technologies for token-based authentication and authorization of distributed computing resources
22 Aug 23
Technologies for token-based access authorization to an application program interface (API) include an access management server to receive a service request message from an application executed by a remote computing device.
Scott Edward Blasi
Filed: 25 Aug 22
Utility
Methods and systems for displaying virtual objects from an augmented reality environment on a multimedia device
22 Aug 23
Methods and systems are disclosed for displaying an augmented reality virtual object on a multimedia device.
Kevin Gordon, Charlotte Spender
Filed: 28 Dec 21
Utility
System and method for tokenizing information from a digital wallet host by an acquirer processor
22 Aug 23
Systems and methods are provided for receiving an encrypted payment payload from a digital wallet host, transmitting a low value token to a merchant, receiving an authorization request, requesting authorization for the transaction from an issuer financial institution using financial data from the encrypted payment payload, receiving an authorization decision from the issuer financial institution, and transmitting an authorization response to the merchant.
William H. Cohn, Sayid Shabeer, David Tarbox
Filed: 19 Jun 20
Utility
Technologies for preprocessing transaction authorization records
22 Aug 23
Technologies for preprocessing transaction authorization records for clearing data batch file generation include a settlement processing server.
Christopher M. Beatty, Erik William Baar
Filed: 15 Jun 21
Utility
Dynamically Configurable Transaction Management Controller and Method Thereof
10 Aug 23
Technologies for managing payment authorization request messaging for payment transactions include a transaction management controller.
Francois B. BERGEON, Scot A. BRYANT, Coy A. CHRISTENSEN
Filed: 18 Apr 23
Utility
Systems and Methods for Executing Electronic Transactions with Dynamically Loadable Transaction Processing Modules
10 Aug 23
Technologies for managing payment authorization request messaging for payment transactions include a transaction management controller.
Francois B. BERGEON
Filed: 18 Apr 23
Utility
Systems and Methods for Subscribing Topics and Registering Computer Server Event Notifications
10 Aug 23
Systems and methods are disclosed for secure transmission of computer server event notifications, including receiving a topic subscription request from a partner, registering the partner topic subscription request, obtaining a new computer server event to report, determining a subscribed partner subscribed to computer server events of a same type as the new computer server event, transmitting an event notification to the subscribed partner, and registering the event notification.
Sachin PAWASKAR
Filed: 19 Apr 23
Utility
Merchant issued payment vehicles linked to preexisting financial accounts
8 Aug 23
Systems and methods are provided for linking a customer's preexisting financial account to a merchant issued payment vehicle.
Bryan T. Bailey
Filed: 14 Jan 21
Utility
Conducting a transaction at a mobile POS terminal using a defined structure
8 Aug 23
A system and method configured for conducting a transaction between two parties using a mobile device, or a plurality of mobile devices.
Chance Ulrich, Scot Bryant
Filed: 7 Dec 21
Utility
Methods and systems for detecting suspicious activities during an electronic payment transaction by authenticating registered users
8 Aug 23
Systems and methods are disclosed for detecting a suspicious and/or a non-suspicious activity during an electronic transaction performed by a user device.
Jonathan Stewart Vokes, Daren L. Pickering
Filed: 18 Nov 21
Utility
Methods and systems for enhanced endpoint identity validation in electronic transactions
8 Aug 23
Methods and systems are disclosed for merchant system identity validation.
Damien M. Davoli, Jeremy Gifford, Ryan G. Fox
Filed: 10 Feb 22
Utility
Systems and Methods for Cloud Based Messaging Between Electronic Database Infrastructure
3 Aug 23
A method of cloud based messaging includes receiving a message and a message topic from a message sender, storing the message topic and the message on a message queue, retrieving the message from the message queue, translating the message from a message bus protocol to a recipient protocol and transmitting the translated message to a message recipient.
Walter BANKS, Christopher GUTHRIE
Filed: 13 Apr 23
Utility
Systems and Methods for Optimizing Transaction Conversion Rate Using Measured Feedback
3 Aug 23
A method for optimizing transaction authorization conversion rates using measured feedback includes retrieving payment transaction parameters and authorization results for a plurality of past payment transactions from a database, generating a transaction success model comprising authorization success factors for each of a plurality of payment transaction parameters using data science methods for statistical inference based on the retrieved payment transaction parameters and authorization results, receiving, at an acquirer processor, a payment transaction from a merchant, modifying one or more parameters of the payment transaction according to the generated transaction success model, and submitting the modified payment transaction to a financial institution for processing.
William H. COHN, Sayid SHABEER, Ned CANNING
Filed: 31 Mar 23