89 patents
Page 4 of 5
Utility
Enabling access to data
19 Oct 20
Methods, systems, apparatus and computer programs for enabling access to data by a requesting party.
Boris Taratine, Malcolm Lewis
Filed: 16 Oct 18
Utility
Delayed transit fare assessment
19 Oct 20
At each of a plurality of point of sale terminals (POS) of a merchant for each of a plurality of consumers, where each consumer seeks to conduct a transaction with the merchant for a good or service at a cost by using a payment device issued by an issuer in a payment system, data is read from a payment device.
Philip Dixon, Ayman Hammad, Khalid El-Awady
Filed: 9 Aug 18
Utility
System and method for authorizing financial transactions with online merchants
12 Oct 20
A system for authorizing a financial transaction of a financial presentation device such as a credit or debit card being presented from a customer to an online merchant.
Thomas Manessis
Filed: 29 May 18
Utility
Multi-vendor multi-loyalty currency program
28 Sep 20
Loyalty programs can be operated within a payment processing system having multiple vendors, thereby providing access to detailed transaction data and with the flexibility for customization of the loyalty programs themselves, by establishing a communication for the transfer of data via a customer-facing channel.
Edward W. Fordyce, III
Filed: 13 Nov 18
Utility
Transaction messaging
7 Sep 20
There is described a method for transmitting a transaction message from a transaction device having a transaction device identifier.
Brian Sullivan
Filed: 23 Apr 17
Utility
Processing electronic tokens
31 Aug 20
Measures, including methods, apparatus and computer software are provided for processing electronic tokens.
Boris Taratine, Malcolm Lewis
Filed: 21 Jan 16
Utility
Method and system for creating a unique identifier
31 Aug 20
Method and apparatus for creating a second unique identifier for a user in a second system based on a first unique identifier for a user in a first system.
Paul Michael Carpenter, Jonathan Paul Sumpster, Andrew Paul Thompson, Christopher Ian Abrathat, Jonathan Rusca, Jean-Christophe Gilbert Lacour, Michael Ronald Philpotts
Filed: 21 Feb 19
Utility
Extended Data Storage
26 Aug 20
Methods and apparatuses are provided for configuring and using a contactless application on a chip within a portable device comprising input/output connections arranged to communicate with other devices via a contact connection and via a contactless connection.
Nicolas David Mackie, Stuart Fiske
Filed: 10 May 20
Utility
Location based authentication
24 Aug 20
A portable consumer device that is used to conduct a transaction at a merchant is authenticated.
Ayman Hammad, Patrick Faith
Filed: 12 Nov 18
Utility
Adaptive authentication options
17 Aug 20
A method for authenticating a consumer for a portable consumer device is disclosed.
Kim Steele, Mike Yakel, Kevin Weller, Patrick Faith, Lori D. Van deloo
Filed: 2 Jun 19
Utility
Account permanence
3 Aug 20
A system and method for using derived account identifiers.
Barbara Patterson
Filed: 1 Aug 18
Utility
Payment System
15 Jul 20
Embodiments of the invention provide a method of processing payment authorization requests for payment transactions to be conducted via a data communications network; the payment authorization requests are conducted as a result of orders by financial account holders via a plurality of different online merchant systems, and the financial account holders hold accounts with a plurality of different issuing banks.
Peter Winfield-Chislett, Westley Stringfellow, Itamar Lesuisse, Veronica Casabonne, Raymond Tamblyn
Filed: 17 Nov 19
Utility
Payment Device
15 Jul 20
A program for running on a processor of a portable payment device is adapted for carrying out a payment interaction and permitting ticket storage in a memory of the portable payment device.
Omar Rifaat, Dave Wilson
Filed: 5 Dec 19
Utility
Device including image including multiple layers
6 Jul 20
A server computer and a mobile device, as well as a method, are disclosed.
Timothy Markison
Filed: 18 Apr 19
Utility
Extended data storage
22 Jun 20
Methods and apparatus are provided for configuring a contactless application on a chip within a portable device comprising input/output means arranged to communicate with other devices via a contact connection and via a contactless connection.
Nicolas David Mackie, Stuart Fiske
Filed: 10 May 17
Utility
Mobile device containing contactless payment device
22 Jun 20
An apparatus such as a mobile phone includes a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments.
Ayman Hammad, Brian Triplett, Philip Dixon
Filed: 1 Jan 19
Utility
System and method for enabling a mobile communication device to operate as a financial presentation device
11 May 20
A provisioning system for enabling a mobile communication device to operate as a financial presentation device (FPD) presentable to providers of goods or service is provided.
Ayman Hammad
Filed: 23 Jul 19
Utility
Account association systems and methods
13 Apr 20
Embodiments of the present disclosure comprise methods, apparatus and computer readable instructions for establishing a relationship between user accounts.
Boris Taratine, Malcolm Lewis
Filed: 16 Mar 16
Utility
Influenza vaccine administration payment device processing
6 Apr 20
A payment device has identifiers, read in a magnetic strip or visual indicia by a healthcare provider, for an influenza vaccine and an account issued by an issuer to a party (e.g.; a governmental entity) upon which a transaction can be conducted that is limited to administering the influenza vaccine.
Karen L. Cervenka, Stacy Pourfallah, Mary Theresa Taylor, Andrew Radlow
Filed: 11 Aug 10
Utility
Systems and methods to provide intelligent analytics to cardholders and merchants
30 Mar 20
In one aspect, a computing apparatus includes: a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed by the transaction handler, a portal coupled with the data warehouse to receive one or more parameters as an input and to provide spending activity information for presentation as a response to the input, and an analytics engine coupled with the portal and the data warehouse to analyze spending activities of a user based on the transaction data and the one or more parameters to generate the spending activity information regarding transactions in a plurality of accounts of the user.
Edward W. Fordyce, Michelle Eng Winters, Leigh Amaro
Filed: 25 Feb 18