259 patents
Page 3 of 13
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
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 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
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 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
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 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
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
Multi-platform Electronic Payment Transaction Risk Profiling
3 Aug 23
Technologies for enhancing payment transactions include a payment gateway computing system.
Joseph A. PAPPANO
Filed: 3 Apr 23
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 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
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
System and Method for Providing a Real-time Payment Between a Customer Financial Institution Account and a Merchant Financial Institution Account for a Transaction Based on a Direct Communication Between a User Device and a Point-of-sale Device
6 Jul 23
Systems and methods are disclosed for providing a payment authorization to a real-time payment (RTP) network to initiate an RTP between a customer financial institution account and a merchant financial institution account.
Janai A. WHITE, Denzelle R. WALKER, Blake C. YARBROUGH, Katherine E. CRAWFORD, Caleb H. KIRSHNER, Elise A. CARRASCO, Vincent D. GARDINER
Filed: 30 Dec 21
Utility
System and Method for Providing a Real-time Payment Between a Customer Financial Institution Account and a Merchant Financial Institution Account for a Transaction Based on a Direct Communication Between a User Device and a Point-of-sale Device
6 Jul 23
Systems and methods are disclosed for providing a payment authorization to a real-time payment (RTP) network to initiate an RTP between a customer financial institution account and a merchant financial institution account.
Janai A. WHITE, Denzelle R. WALKER, Blake C. YARBROUGH, Katherine E. CRAWFORD, Caleb H. KIRSHNER, Elise A. CARRASCO, Vincent D. GARDINER
Filed: 21 Nov 22
Utility
System and Method for Providing a Real-time Payment Between a Customer Financial Institution Account and a Merchant Financial Institution Account for a Transaction Based on a Direct Communication Between a User Device and a Point-of-sale Device
6 Jul 23
Systems and methods are disclosed for providing a payment authorization to a real-time payment (RTP) network to initiate an RTP between a customer financial institution account and a merchant financial institution account.
Janai A. WHITE, Denzelle R. WALKER, Blake C. YARBROUGH, Katherine E. CRAWFORD, Caleb H. KIRSHNER, Elise A. CARRASCO, Vincent D. GARDINER
Filed: 21 Nov 22
Utility
System and Method for Payment Platform Self-certification for Processing Financial Transactions with Payment Networks
29 Jun 23
Payment platforms such as point of sale terminals can send test transactions to an acquirer processor certification and analytics system for certification of the payment platform's readiness to perform financial transaction processing with payment networks.
Johan Mattias NORDLOF, Douglas Michael BAY
Filed: 10 Mar 23