259 patents
Page 4 of 13
Utility
Systems and Methods for Authenticating Electronic Transactions at Virtual Reality Devices Using Mobile App Payment Account(s)
18 May 23
A method of authenticating payment transactions in virtual reality environments using user data includes receiving user registration with a payment application, the registration including stored user data; detecting a virtual reality device; linking the payment application to the virtual reality device; detecting an item selection for purchase in a virtual reality environment provided by the virtual reality device; and prompting payment authentication of the selected item in the virtual reality environment using the stored user data of the payment application.
Charlotte SPENDER
Filed: 18 Jan 23
Utility
Systems and Methods for Registering Computer Server Event Notifications
18 May 23
A system for secure transmission of business event notifications includes a memory, at least one processor, a service gateway configured to: publish application programming interfaces (APIs) for secure transmission of business event notifications, a notification server configured to: publish APIs for secure transmission of business event notifications corresponding to the APIs published by the service gateway, obtain a new business event to report, determine a partner to receive a notification of the new business event, transmit an event notification to the partner by way of the service gateway APIs, and register the event notification in a database.
Sachin PAWASKAR
Filed: 5 Jan 23
Utility
Methods and Systems for Seamlessly Transporting Objects Between Connected Devices for Electronic Transactions
18 May 23
Methods and Systems are disclosed for displaying objects between disparate devices connected to an electronic network.
Kevin GORDON, Charlotte SPENDER
Filed: 17 Jan 23
Utility
Decentralized Computer Systems and Methods for Using a Debit Network As an Intermediary Between Distributed Ledgers
4 May 23
Decentralized computer systems and methods are disclosed for using a debit network as an intermediary between distributed ledgers.
Chandra OLSON
Filed: 29 Dec 22
Utility
Systems and Methods for Partial Authorization of Electronic Transactions
13 Apr 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: 2 Dec 22
Utility
Cloud-based Configurable Transaction Management Controller and Method Thereof
6 Apr 23
Technologies for remotely managing payment authorization request messaging for payment transactions include a transaction management controller of one environment and a point of interaction device of another environment.
Francois B. BERGEON, Scot A. BRYANT, Coy A. CHRISTENSEN
Filed: 30 Nov 22
Utility
Systems and Methods for Executing Real-time Electronic Transactions Using a Routing Decision Model
6 Apr 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 E. DINAN
Filed: 30 Nov 22
Utility
Systems and Methods for Single Message Transactions with Batch Settlement
6 Apr 23
A computer-implemented method for processing single message transactions with batch settlement may include receiving a dual-message transaction from a merchant, converting the received dual-message transaction to a single-message transaction, setting a flag on the converted single-message transaction indicating the conversion to a single-message transaction, receiving a batch settlement file from the merchant, for each transaction in the batch settlement file, determining whether the single-message transaction conversion flag is set, upon determining that the single-message transaction conversion flag is not set, storing the transaction for later processing, and upon determining that the single-message transaction conversion flag is set, sending the transaction to a payment network.
Ramesh VIJAYARAGHAVAN, Samuel ADAMS
Filed: 2 Dec 22
Utility
Systems and Methods for Executing Real-time Electronic Transactions Using Api Calls
6 Apr 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 E. DINAN
Filed: 30 Nov 22
Utility
Methods and Systems for Acoustic Authentication
6 Apr 23
Systems and methods are disclosed for generating an acoustic authentication data entry interface.
Daren L. PICKERING
Filed: 30 Nov 22
Utility
Systems and Methods to Configure Pin Pad for Microprocessor-enabled and Contactless Payment Vehicle
30 Mar 23
A method of network configuration of a personal identification number (PIN) pads includes receiving a request to upgrade a PIN pad from a merchant or an individual software vendor (ISV) to read microprocessor-enabled or contactless payment vehicles, retrieving a PIN pad configuration hash value from the PIN pad, obtaining current configuration using the hash value, sending instructions to the PIN pad to upgrade the PIN pad over a network if the PIN pad is capable of reading microprocessor-enabled or contactless payment vehicles, and downloading and installing drivers to enable PIN pad readers to read and process at least one of the microprocessor-enabled payment vehicles and contactless payment vehicles according to the instructions.
Bryan COX
Filed: 5 Dec 22
Utility
Systems and Methods for Routing Electronic Transactions Using Network Simulation and Forecasting
30 Mar 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: 5 Dec 22
Utility
Systems and Methods for Predicting User Activity Based on Historical Activity Information
30 Mar 23
Technologies for identifying prospective marketing targets based on payment vehicle-based payment transactions processed over electronic payment networks are disclosed.
Scott Wayne DeANGELO, Brent Alan BADGER, Jacob Matthew STERLING, Dennis A. KETTLER
Filed: 3 Nov 22
Utility
Systems and Methods for Client-side Management of Recurring Payment Transactions
30 Mar 23
Systems and methods disclosed herein for the client-side management of recurring payment transactions.
Snehal DESAI
Filed: 5 Dec 22
Utility
Systems and Methods for Payment Transactions, Alerts, Dispute Settlement, and Settlement Payments, Using Multiple Blockchains
30 Mar 23
Systems and methods are disclosed for payment transactions, alerts, dispute settlement, and settlement payments, using multiple blockchains.
Ramesh VIJAYARAGHAVAN
Filed: 28 Sep 22
Utility
Systems and Methods for Prepaid Card Funding for Sponsored Purchases
23 Mar 23
A computer-implemented method for prepaid card funding for sponsored purchases includes receiving a payment request for funding a sponsored purchase using a payment vehicle, deducting funds from a financial account associated with the payment vehicle, such that the financial account has a negative balance, and loading additional funds into the financial account associated with the payment vehicle, such that the financial account has a zero balance.
Jackson Andrew Unrau
Filed: 30 Nov 22
Utility
Methods and Systems for Collecting and Releasing Virtual Objects Between Disparate Augmented Reality Environments
16 Mar 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 Secure Normative Intermediation of Payments Processing Peripherals
16 Mar 23
Systems and methods for secure virtualized intermediated configuration and control of payment processing peripheral devices, as may be embodied in a SNIPP system, are provided.
Matthew D. OZVAT, John BERKLEY, Zachary A. Kurka, Lisa C. Killigrew
Filed: 21 Nov 22
Utility
Methods and Systems for Secure Authentication In a Virtual or Augmented Reality Environment
16 Mar 23
A method of generating a virtual reality payment authentication entry interface includes receiving, over a computer network, a request for payment authorization; identifying a virtual reality interface; generating a plurality of payment authentication characters in the virtual reality interface; receiving user input associated with at least one character of the plurality of payment authentication characters in the virtual reality interface; and generating a payment authorization response to the request for payment authorization based on the received user input.
Charlotte SPENDER, Daren L. PICKERING
Filed: 31 Oct 22
Utility
Methods and Systems for Secure Authentication In a Virtual or Augmented Reality Environment Using an Interactive Icon
16 Mar 23
Methods and systems are disclosed for providing secure authentication in a virtual or augmented reality environment using an interactive icon.
Antoniya KUNEVA
Filed: 3 Nov 22