259 patents
Utility
Systems and Methods of Creating Order Lifecycles Via Daisy Chain Linkage
11 Jan 24
Systems, devices, and methods for linking orders to develop a consolidated audit trail (CAT) are configured to receive event data for one or more orders based on one or more order characteristics; determine linkages between the one or more orders based on parent relationships of the one or more orders; verify the linkages between the one or more orders based on the event data; and determine order lifecycles based on the linkages between the one or more orders.
Neil PALMER, Michael SHERMAN
Filed: 25 Sep 23
Utility
Systems and Methods of Creating Order Lifecycles Via Daisy Chain Linkage
11 Jan 24
Systems, devices, and methods for linking orders to develop a consolidated audit trail (CAT) are configured to receive event data for one or more orders based on one or more order characteristics; determine linkages between the one or more orders based on parent relationships of the one or more orders; verify the linkages between the one or more orders based on the event data; and determine order lifecycles based on the linkages between the one or more orders.
Neil PALMER, Michael SHERMAN
Filed: 25 Sep 23
Utility
Systems and Methods for Blockchain-based Payment Transactions, Alerts, and Dispute Settlement, Using a Blockchain Interface Server
11 Jan 24
Systems and methods are disclosed for blockchain-based payment transactions, alerts, and dispute settlement, using a blockchain interface server.
Ramesh VIJAYARAGHAVAN
Filed: 22 Sep 23
Utility
Systems and Methods of Creating Order Lifecycles Via Daisy Chain Linkage
11 Jan 24
Systems, devices, and methods for linking orders to develop a consolidated audit trail (CAT) are configured to receive event data for one or more orders based on one or more order characteristics; determine linkages between the one or more orders based on parent relationships of the one or more orders; verify the linkages between the one or more orders based on the event data; and determine order lifecycles based on the linkages between the one or more orders.
Neil PALMER, Michael SHERMAN
Filed: 25 Sep 23
Utility
Systems and Methods for Routing Electronic Transactions Using Network Simulation and Forecasting
28 Dec 23
Systems and methods are for routing electronic payment transactions to PIN-less networks using payment pseudo-networks and electronic transaction simulation.
Dennis KETTLER, Scott Wayne DeANGELO
Filed: 8 Sep 23
Utility
Decentralized Computer Systems and Methods for Loyalty Points Payments Using Distributed Ledgers
28 Dec 23
Decentralized computer systems and methods are disclosed for establishing and conducting payment processing with loyalty points using distributed ledger.
Chandra OLSON, Joshua MATHER, Paul Anthony ROSE
Filed: 12 Sep 23
Utility
Systems and Methods for Cloud Based Pin Pad Transaction Generation
21 Dec 23
A method of processing payment transactions includes receiving a transaction request from a client device, determining whether a transaction command generator is available, transmitting the transaction request to a transaction command generator, the transaction command generator being an existing transaction command generator or a newly created transaction command generator, receiving generated personal identification number (PIN) pad commands from the transaction command generator, and transmitting the generated PIN pad commands to a PIN pad.
Walter BANKS, Christopher GUTHRIE
Filed: 30 Aug 23
Utility
Wireless Data Communication Interface
21 Dec 23
In some embodiments, the rendering a financial transaction record in a second format includes converting a tokenized first item of financial transaction information to an account-specific item of financial transaction information using an account identifier associated with the tokenized first item in a registry stored in a secured account data vault.
Nish Modi
Filed: 31 Aug 23
Utility
Systems and Methods for Third-party Interoperability In Secure Network Transactions Using Tokenized Data
21 Dec 23
Embodiments include methods and systems for enabling third-party data service interoperability, comprising receiving, from an electronic data server, a request for a low-value token, the low-value token being associated with a subset of sensitive data associated with a user; providing the low-value token to the electronic data server; receiving a request for the subset of sensitive data, from a third-party data service server, the request comprising the low-value token; de-tokenizing the low-value token to obtain the subset of sensitive data; providing the subset of sensitive data to the third-party data service server; receiving, from an electronic data server, the low-value token and a transaction authorization request; determining, based on the low-value token and authorization request, an authorization response; and providing the authorization response to the electronic data server.
Brant PETERSON
Filed: 30 Aug 23
Utility
Methods and Systems for Obfuscating Entry of Sensitive Data at Mobile Devices
21 Dec 23
Systems and methods are disclosed for obfuscating entry of sensitive data at a mobile device, which may be infected with a rogue application configured to steal the sensitive data.
Daren L. PICKERING, Jonathan Stewart VOKES, Marc MASSAR, Danny K. RUSSELL
Filed: 1 Sep 23
Utility
Systems and Methods for Second Tap E-receipt Option for Nfc-enabled Payment Vehicles
14 Dec 23
Systems and methods are disclosed for generating electronic receipts (e-receipts) at point-of-sale (POS) terminals associated with a merchant at a retail location.
Chance ULRICH
Filed: 30 Aug 23
Utility
Methods and Apparatus for Unified Inventory and Financial Transaction Management
23 Nov 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: 8 Aug 23
Utility
Systems and Methods for Secure Online Transaction
23 Nov 23
Systems and methods are disclosed for secure online transaction.
Bernd RICHTER, Michael BURGESS, Andrew HEWITT
Filed: 17 May 22
Utility
Wireless Communication Between Electronic Devices In Close Proximity
16 Nov 23
An electronic wireless communication device is provided, comprising: a wireless communication means for communicating with a wireless communication initiating device; means for monitoring a communication signal received by the wireless communication means; means for sending at least a first characteristic value relating to the communication signal received by the wireless communication means to at least one other electronic wireless communication device; means for receiving at least a further characteristic value relating to a communication signal received by the at least one other electronic wireless communication device; and processing means for carrying out a comparison based on the first characteristic value and the further characteristic value, wherein the electronic wireless device is configured to selectively activate communication with the wireless communication initiating device based on the result of the comparison.
Daren PICKERING, Nicholas TELFORD-REED
Filed: 27 Jul 23
Utility
Technologies for Token-based Authentication and Authorization of Distributed Computing Resources
2 Nov 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: 28 Jun 23
Utility
Systems and Methods for Optimized Routing of Electronic Transactions Across Multiple Acquirer Processors
2 Nov 23
A method for routing electronic payment transactions may include receiving transaction-related information from a merchant, extracting transaction routing criteria from the received transaction-related information, identifying one or more eligible payment networks and one or more eligible acquirer processors based on extracted transaction routing criteria, predicting a likelihood of authorization acceptance for each combination of identified acquirer processor and identified network, identifying one or more breakeven transaction amounts for each combination of identified eligible acquirer processor and identified eligible payment network, and routing signature debit transactions from the merchant to a least cost combination of acquirer processor and PIN-less debit network selected from the eligible payment networks based on identification of a desired breakeven transaction amount for the PIN-less debit network.
Dennis KETTLER, Ryan CLAPP
Filed: 29 Jun 23
Utility
Systems and Methods for Optimizing Electronic Refund Transactions for Detected Fraudulent Transactions
2 Nov 23
A method for optimizing refunds for suspected or detected fraudulent transactions includes receiving a chargeback analysis request for a potential chargeback transaction from a merchant or a payment processor using an Application Programming Interface (API) over a computer network, extracting identifying information of transactions associated with the chargeback transaction from the chargeback analysis request, searching for a chargeback analysis profile in a profile database, determining whether the chargeback analysis profile exists in the profile database, upon determining that the chargeback analysis profile does not exist in the profile database, obtaining a new fraud analysis profile, determining, based on the chargeback analysis profile, a first probability that the potential chargeback transaction will result in a chargeback, determining, based on the chargeback analysis profile, a second probability that the potential chargeback transaction will result in a chargeback after a proactive electronic refund transaction, and generating a proactive electronic refund transaction based on the first probability and the second probability.
Dmitriy BURMISTROV, Dennis A. KETTLER, Tao HONG
Filed: 7 Jul 23
Utility
Systems and Methods for Executing Real-time Electronic Transactions Using Api Calls
26 Oct 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: 13 Jun 23
Utility
System and Method for Tokenizing Information from a Digital Wallet Host by an Acquirer Processor
26 Oct 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: 27 Jun 23
Utility
Methods and Systems for Displaying Virtual Objects from an Augmented Reality Environment on a Multimedia Device
26 Oct 23
Methods and systems are disclosed for displaying an augmented reality virtual object on a multimedia device.
Kevin GORDON, Charlotte SPENDER
Filed: 30 Jun 23