498 patents
Page 6 of 25
Utility
Terminal for Conducting Electronic Transactions
3 Aug 23
The present disclosure is drawn to, among other things, a method of providing a payment terminal application on an electronic device, the electronic device comprising a volatile storage module, a user input module and a network interface module.
Jonathan Stewart VOKES, Nicholas TELFORD-REED
Filed: 11 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
Utility
Systems and methods for simulation-based replay of integrated devices
1 Aug 23
A method of simulating device state changes in an integrated system includes receiving a transaction request from a client device, storing the transaction request as a first event in an event log, transmitting the transaction request to a terminal device, storing the transmission of the transaction request as a second event in the event log, receiving a device response from the terminal device, storing the device response as a third event in the event log, and when the integrated system is under test, a simulator replays the stored events in the integrated system under test.
Jared Wood
Filed: 6 Dec 21
Utility
Systems and methods for executing real-time electronic transactions using API calls
1 Aug 23
Systems and methods of executing a real-time electronic transaction by a real-time transaction system are disclosed.
William J. Wied, Aman S. Cheema, Manuela Dragan, Stephen Dinan
Filed: 6 Jan 21
Utility
Technologies for attributing electronic transactions to targeted electronic content distribution campaigns
1 Aug 23
Technologies for attributing purchases to a targeted marketing campaign include associating a captured payment card number and a captured cardholder identifier with a globally unique identifier.
Thirunarayanan Srinivasan
Filed: 27 May 22
Utility
Systems and Methods for Payment Processing on Platforms
27 Jul 23
Systems and methods for payment processing on devices are provided.
Robert BONESTELL, Kevin OLIVER, Matthew D. OZVAT, Andrew HARRIS, Daniel J. OURADA
Filed: 3 Apr 23
Utility
System and Methods for Transaction-based Process Management
27 Jul 23
Systems and methods for transaction/file-based management of a plurality of processes associated with various jobs are provided.
Jackson Andrew UNRAU, Shawn Edward MCCARTHY, Matthew Ray COOK
Filed: 31 Mar 23
Utility
Methods and systems for secure cross-platform token exchange
25 Jul 23
Systems and methods are disclosed for cross-platform token exchange.
Stephen E. Dinan, James S. Osborn, William J. Wied
Filed: 10 Dec 21
Utility
Methods and systems for collecting and releasing virtual objects between disparate augmented reality environments
25 Jul 23
Methods and systems are disclosed for collecting and releasing virtual objects between disparate augmented reality environments.
Kevin Gordon, Charlotte Spender
Filed: 28 Oct 22
Utility
Systems and methods for automated validation for proprietary security implementations
25 Jul 23
Systems and methods are disclosed for automated validation for proprietary security implementations.
Amie Jackson
Filed: 19 Mar 18
Utility
Matching engines and graphical user interfaces for partner recommendations and lead sharing
25 Jul 23
Systems and methods for assisting in pairing entities in an electronic payments processing network are disclosed herein.
Christopher Allen
Filed: 5 Mar 21
Utility
Systems, methods and apparatus for variable settlement accounts
18 Jul 23
Systems and methods for transferring funds from an acquirer processor account to one or more financial accounts.
Thomas E. Rafferty, Bryan T. Bailey
Filed: 24 Nov 20
Utility
Systems and methods for electronic certification of e-commerce security badges
18 Jul 23
A method for managing secure processing of electronic payment transactions includes receiving a request submitted by a merchant computing system for a security verifier.
Brant Peterson
Filed: 24 Feb 22
Utility
Systems and methods for partial authorization of electronic transactions
18 Jul 23
A method for managing payment submissions includes receiving, at an acquirer computing system, an authorization request submitted by a merchant computing system for a transaction of a predefined amount, the merchant computing system being associated with a merchant, and the authorization request identifying account information for an account that is associated with a payment card network and an issuer processor; and re-transmitting the authorization request for less than the predefined amount and greater than a configurable threshold value, until the authorization request is approved by the issuer processor or until the authorization request falls below the configurable threshold value.
Sunil Dixit
Filed: 24 May 21
Utility
System and Method for Payment Processing Telemetry
13 Jul 23
A computer-implemented system and method of tracking telemetry data at a financial computing system is presented.
Jackson Andrew UNRAU
Filed: 17 Mar 23
Utility
Systems and Methods for Executing Electronic Transactions and Tokenizations with Distributed Settlement Platform
13 Jul 23
Systems and methods for executing a distributed electronic transaction by a processing system are disclosed.
Danny K. RUSSELL, Thomas HELLDORFF
Filed: 8 Mar 23
Utility
Systems and Methods for Encryption and Decryption Service for Electronic Transaction Monitoring and Reporting
13 Jul 23
A method for electronic transaction monitoring and reporting includes: determining whether the received transaction request is encrypted, upon determining that the received transaction request is not encrypted, sending a failure alert to the merchant, determining a receiving acquirer processor for the transaction request, and transmitting the transaction request to the determined acquirer processor.
Brant PETERSON
Filed: 17 Jan 23
Utility
Systems and methods for translating data read from proxy APIs into computing code
11 Jul 23
A method for automatically generating sample code for an API for payment processing in a payment network includes reading an acquirer processor-specific API for payment processing in a payment network using an acquirer processor-specific API reader, generating acquirer processor-specific API data using the acquirer processor-specific API reader, converting the acquirer processor-specific API data into a format compatible with an output generator, and generating language-specific sample code by the output generator using the converted acquirer processor-specific API data and a language-specific template.
Robert Jacob Perry
Filed: 3 May 22
Utility
Systems and methods to provide user verification in a shared user environment via a device-specific display
11 Jul 23
A method of generating a shared augmented reality payment authentication entry interface includes detecting a first consumer device and a second consumer device; prompting a display of a first augmented reality payment authentication interface at the first consumer device; and prompting a display of a second augmented reality payment authentication interface at the second consumer device.
Charlotte Spender
Filed: 6 Jan 22
Utility
Systems and methods for substitute low-value tokens in secure network transactions
11 Jul 23
Methods and systems are disclosed for enabling the creation of substitute low-value token creation, comprising providing software content to a content delivery network wherein, when transmitted to a user browser, the software content is configured to enable the user browser to create a substitute low-value token if a token service is unavailable, wherein the content delivery network is configured to provide the software content to at least one user browser, and receiving the substitute low-value token from a merchant system, the substitute low-value token having been generated by the user browser in response to the user browser being unable to obtain a low-value token from the token service.
Stefan K. Karaivanov
Filed: 17 Dec 21