Described herein are techniques for facilitating push provisioning of a user payment source into a user's digital wallet without the user having a physical card. The techniques allow an issuer to provide a button in an issuer's application for the user to simply push the button to request that the payment source be imported into a pay wallet or a merchant. In this way, the payment source information is “pushed” into the pay wallet. Using push provisioning, the user need not enter any physical card information. The described techniques generate a chain of trust that can be used to ensure that a user, through an issuer and using a gateway, authorizes a token service provider to provision the payment source into the pay wallet or merchant.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
A gateway encryption service is used to ensure consistent, source independent tokenization for payment accounts and synchronizing payment account information with merchants. A consistent, evergreen merchant-facing token is generated and used for each payment account for the merchant, ensuring that regardless of the payment method used by the customer (e.g., plastic card point-of-sale, pay wallet, saved card information) for the same underlying account, the merchant has a single token. Further, if the account number for the underlying payment account changes (e.g., the card expires or is stolen) the merchant-facing token remains consistent. The evergreen token ensures that the system functions more efficiently, saving resources in processing and storage and ensuring less network traffic for failed transactions. The system further implements encryption and security despite the consistent tokenization, further saving resources.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
Described herein are techniques for facilitating push provisioning of a user payment source into a user's digital wallet without the user having a physical card. The techniques allow an issuer to provide a button in an issuer's application for the user to simply push the button to request that the payment source be imported into a pay wallet or a merchant. In this way, the payment source information is "pushed" into the pay wallet. Using push provisioning, the user need not enter any physical card information. The described techniques generate a chain of trust that can be used to ensure that a user, through an issuer and using a gateway, authorizes a token service provider to provision the payment source into the pay wallet or merchant.
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
Described herein are techniques for facilitating push provisioning of a user payment source into a user's digital wallet without the user having a physical card. The techniques allow an issuer to provide a button in an issuer's application for the user to simply push the button to request that the payment source be imported into a pay wallet or a merchant. In this way, the payment source information is "pushed" into the pay wallet. Using push provisioning, the user need not enter any physical card information. The described techniques generate a chain of trust that can be used to ensure that a user, through an issuer and using a gateway, authorizes a token service provider to provision the payment source into the pay wallet or merchant.
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
A computing system for remotely activating a transaction device including at least one memory having instructions stored thereon that, when executed by the at least one processor, cause the at least one processor to receive, from a mobile device, a transaction device identifier, receive, from the transaction device, an authorization request associated with a payment account for a transaction at the transaction device, receive location information from the mobile device and location information from the transaction device in response to receiving the authorization request, compare the location information to determine whether the mobile device is in proximity to the transaction device, and upon determining that the mobile device is in proximity to the transaction device, determine an authorization status of the authorization request, and transmit a signal to activate the transaction device to complete the transaction, wherein the signal is transmitted based on the transaction device identifier.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
Described herein are methods and systems for enhancing security of transaction requests from POS terminals by utilizing ANI-DNIS information. The header of the transaction request can include automatic source information (“ASI”), which can be extracted from the header by the line handler. The ASI information can be provided to the front end interface, which can compare the ASI information with known customer information. The comparison can provide information indicating whether the transaction is legitimate or fraudulent. If fraudulent, the transaction request can be declined. The ASI information can further be stored in a security analysis database and further queried to identify larger threats including denial of service attacks.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/16 - Payments settled via telecommunication systems
Systems and methods are provided for a decentralized distributed ledger that hosts a directory service for customer aliases to facilitate obtaining customer account details. Aspects of the present disclosure may include receiving a request to execute a transaction, wherein the request includes identification information associated with a particular user, transmitting a communication to the database of the existing distributed ledger, wherein the second communication includes a request for an identity of a contributing entity that previously contributed user data associated with the particular user to the database, and wherein the request for the identity of the contributing entity includes an alias associated with the particular user, receiving the identity of the contributing entity, executing a request for account information for the particular user from the contributing entity, wherein the request for account information is transmitted to the contributing entity, receiving account information associated with the particular user, and executing the transaction using the account information.
G06F 16/25 - Integrating or interfacing systems involving database management systems
G06F 16/27 - Replication, distribution or synchronisation of data between databases or within a distributed database systemDistributed database system architectures therefor
8.
Network provisioning and tokenization using a remote terminal
A method of tokenizing sensitive data from a terminal device includes receiving, a connection request comprising a hardware serial number associated with a terminal device and validating the hardware serial number associated with the terminal device. The method includes sending a command to a terminal device that causes the terminal device to display a prompt for sensitive data associated with a user interacting with the terminal device and receiving an encrypted data packet from the terminal device. The encrypted data packet includes the sensitive data. The method includes sending the encrypted data packet to a gateway system for tokenization, receiving a token that represents the sensitive data, and providing the token to the terminal device.
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
This disclosure describes systems, methods, and computer-readable media related to providing a point of sale platform. In some embodiment, a point of sale (POS) device may receive information associated with an order and payment information associated with the order. The POS device may generate a first object based at least in part on the information associated with the order and a second object based at least in part on the payment information. The POS device may store the first object and the second object in a queue. The POS device may transmit the first object and the second object to a remote server.
This disclosure describes systems, methods, and computer-readable media related to mobile device purchase flows. In some embodiments, a mobile device may obtain a uniform resource identifier (URI). The mobile device may launch a browser based at least in part on the URI. The mobile device may submit a first set of data to a server based at least in part on the URI and receive a re-direct URI. The mobile device may launch an application in response to receiving the re-direct URI from the server, wherein the application submits a second set of data to the server. The mobile device may facilitate completion of a transaction by the application based at least in part on matching the first set of data and the second set of data at the server.
H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
Described herein are techniques for facilitating push provisioning of a user payment source into a user's digital wallet without the user having a physical card. The techniques allow an issuer to provide a button in an issuer's application for the user to simply push the button to request that the payment source be imported into a pay wallet or a merchant. In this way, the payment source information is “pushed” into the pay wallet. Using push provisioning, the user need not enter any physical card information. The described techniques generate a chain of trust that can be used to ensure that a user, through an issuer and using a gateway, authorizes a token service provider to provision the payment source into the pay wallet or merchant.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
Tables and techniques to configure the same are provided. In some embodiments, configuration of one or more memory devices can permit or otherwise facilitate including transaction records in a table or another type of data structure, where the transaction records can be organized based at least on a defined location for a merchant or another type of organization associated with the transaction records.
Systems and methods for handling tokens. In one aspect, a token is intercepted by a data processor and a contact is made with a detokenization provider by the data processor. In another aspect, token service is aggregated. In another aspect, tokenization is extended to physical cards, to deter certain kinds of fraud.
G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
A system for detecting breach of merchant systems includes an extraction management system for extracting wildcard data from a dump site at which stolen account data is offered for sale. The system also includes an account breach identifying system for accessing stored transaction data from multiple banks and merging the extracted dump site data with the transaction data to create unique PAN (primary account number) data records (each set of wildcard data corresponds to only a single PAN) and multiple PAN data records (each set of wildcard data corresponds to multiple PANs). The unique and multiple PAN data records are stored and analyzed separately, and reduce the amount of data needed to identify a breached merchant.
A method of tokenizing sensitive data from a terminal device includes receiving, a connection request comprising a hardware serial number associated with a terminal device and validating the hardware serial number associated with the terminal device. The method includes sending a command to a terminal device that causes the terminal device to display a prompt for sensitive data associated with a user interacting with the terminal device and receiving an encrypted data packet from the terminal device. The encrypted data packet includes the sensitive data. The method includes sending the encrypted data packet to a gateway system for tokenization, receiving a token that represents the sensitive data, and providing the token to the terminal device.
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
H04L 67/06 - Protocols specially adapted for file transfer, e.g. file transfer protocol [FTP]
16.
NETWORK PROVISIONING AND TOKENIZATION USING A REMOTE TERMINAL
A method of tokenizing sensitive data from a termi- nal device includes receiving, a connection request comprising a hard- ware serial number associated with a terminal device and validating the hardware serial number associated with the terminal device. The method includes sending a command to a terminal device that caus- es the terminal device to display a prompt for sensitive data associat- ed with a user interacting with the terminal device and receiving an encrypted data packet from the terminal device. The encrypted data packet includes the sensitive data. The method includes sending the encrypted data packet to a gateway system for tokenization, receiving a token that represents the sensitive data, and providing the token to the terminal device.
A method of tokenizing sensitive data from a terminal device includes receiving, a connection request comprising a hardware serial number associated with a terminal device and validating the hardware serial number associated with the terminal device. The method includes sending a command to a terminal device that causes the terminal device to display a prompt for sensitive data associated with a user interacting with the terminal device and receiving an encrypted data packet from the terminal device. The encrypted data packet includes the sensitive data. The method includes sending the encrypted data packet to a gateway system for tokenization, receiving a token that represents the sensitive data, and providing the token to the terminal device.
A method of tokenizing sensitive data from a terminal device includes receiving, a connection request comprising a hardware serial number associated with a terminal device and validating the hardware serial number associated with the terminal device. The method includes sending a command to a terminal device that causes the terminal device to display a prompt for sensitive data associated with a user interacting with the terminal device and receiving an encrypted data packet from the terminal device. The encrypted data packet includes the sensitive data. The method includes sending the encrypted data packet to a gateway system for tokenization, receiving a token that represents the sensitive data, and providing the token to the terminal device.
H04L 29/06 - Communication control; Communication processing characterised by a protocol
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
A gateway encryption service is used to ensure consistent, source independent tokenization for payment accounts and synchronizing payment account information with merchants. A consistent, evergreen merchant-facing token is generated and used for each payment account for the merchant, ensuring that regardless of the payment method used by the customer (e.g., plastic card point-of-sale, pay wallet, saved card information) for the same underlying account, the merchant has a single token. Further, if the account number for the underlying payment account changes (e.g., the card expires or is stolen) the merchant-facing token remains consistent. The evergreen token ensures that the system functions more efficiently, saving resources in processing and storage and ensuring less network traffic for failed transactions. The system further implements encryption and security despite the consistent tokenization, further saving resources.
A gateway encryption service is used to ensure consistent, source independent tokenization for payment accounts and synchronizing payment account information with merchants. A consistent, evergreen merchant-facing token is generated and used for each payment account for the merchant, ensuring that regardless of the payment method used by the customer (e.g., plastic card point-of-sale, pay wallet, saved card information) for the same underlying account, the merchant has a single token. Further, if the account number for the underlying payment account changes (e.g., the card expires or is stolen) the merchant-facing token remains consistent. The evergreen token ensures that the system functions more efficiently, saving resources in processing and storage and ensuring less network traffic for failed transactions. The system further implements encryption and security despite the consistent tokenization, further saving resources.
A gateway encryption service is used to ensure consistent, source independent tokenization for payment accounts and synchronizing payment account information with merchants. A consistent, evergreen merchant-facing token is generated and used for each payment account for the merchant, ensuring that regardless of the payment method used by the customer (e.g., plastic card point-of-sale, pay wallet, saved card information) for the same underlying account, the merchant has a single token. Further, if the account number for the underlying payment account changes (e.g., the card expires or is stolen) the merchant-facing token remains consistent. The evergreen token ensures that the system functions more efficiently, saving resources in processing and storage and ensuring less network traffic for failed transactions. The system further implements encryption and security despite the consistent tokenization, further saving resources.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
A driveshaft for a reusable paper core includes a shaft body having a proximal end, a distal end, and a medial portion extending between the proximal end and the distal end. An outer periphery of the medial portion has a non-circular cross-sectional shape. The driveshaft includes one or more receptacles provided in an outer surface of the medial portion of the shaft body, a first bearing coupled with the distal end, a second bearing coupled with the proximal end, and one or more gear keys coupled with the proximal end. The one or more gear keys may be configured to transfer force from a rotating machine element to the driveshaft.
A computer-implemented method of conducting wireless transaction includes receiving, using an antenna of a point of sale device, one or more electromagnetic signals from a mobile device of a customer. The electromagnetic signals are interpreted using a communications module of the point of sale device to determine information related to a financial account of the customer. Using a network interface of the point of sale device, a connection with an acquirer system is initiated. Using the network interface a packet of data including an authorization request is transmitted over the connection to the acquirer system. The packet of data includes the information related to the financial account, a merchant identifier, a date, and a transaction amount. An authorization code is received from the acquirer system using the network interface. An electronic receipt is transmitted to the mobile device using the network interface.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 30/02 - MarketingPrice estimation or determinationFundraising
G07F 17/16 - Coin-freed apparatus for hiring articlesCoin-freed facilities or services for devices exhibiting advertisements, announcements, pictures, or the like
A method for facilitating mobile ordering includes associating a merchant handle with a merchant. A user account including a handle is created for a user within an ordering system. A product order, having order details, is received. The product order is stored and is associated with an order code such that the order details are retrievable based on reception of the order code. An enrollment message is provided to the handle. A message including the order code is received from the handle directed to the merchant handle. The handle is associated with the merchant handle and the order code to identify the product order, the merchant, and the user. An order confirmation message is including order details is provided to the handle. A user confirmation message is received from the handle. The product order is communicated to the merchant and an order status message to the handle.
A method of remotely activating a transaction device includes receiving, at a computing system, a mobile device identifier from a mobile application executed on a mobile device. A selection of the transaction device is received from the application. The selection includes an identifier of the transaction device. A selection of a transaction amount related to purchase of a product is received from the application. An authorization request for a payment account associated with the mobile device is communicated to an issuer of the payment account. The authorization request is for a transaction of at least the transaction amount. An authorization approval for the transaction is received from the issuer and a signal to activate the transaction device to dispense the product is sent based on the identifier. The transaction device is deactivated upon dispensing the transaction amount and a receipt of the transaction is provided to the mobile device.
G06Q 30/06 - Buying, selling or leasing transactions
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
Systems and methods are provided for a decentralized distributed ledger that hosts a directory service for customer aliases to facilitate obtaining customer account details. Aspects of the present disclosure may include receiving a request to execute a transaction, wherein the request includes identification information associated with a particular user, transmitting a communication to the database of the existing distributed ledger, wherein the second communication includes a request for an identity of a contributing entity that previously contributed user data associated with the particular user to the database, and wherein the request for the identity of the contributing entity includes an alias associated with the particular user, receiving the identity of the contributing entity, executing a request for account information for the particular user from the contributing entity, wherein the request for account information is transmitted to the contributing entity, receiving account information associated with the particular user, and executing the transaction using the account information.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 30/06 - Buying, selling or leasing transactions
27.
Systems and methods for a federated directory service
Systems and methods are provided for a decentralized distributed ledger that hosts a directory service for customer aliases to facilitate obtaining customer account details. Aspects of the present disclosure may include receiving a request to execute a transaction, wherein the request includes identification information associated with a particular user, transmitting a communication to the database of the existing distributed ledger, wherein the second communication includes a request for an identity of a contributing entity that previously contributed user data associated with the particular user to the database, and wherein the request for the identity of the contributing entity includes an alias associated with the particular user, receiving the identity of the contributing entity, executing a request for account information for the particular user from the contributing entity, wherein the request for account information is transmitted to the contributing entity, receiving account information associated with the particular user, and executing the transaction using the account information.
G06F 16/25 - Integrating or interfacing systems involving database management systems
G06F 16/27 - Replication, distribution or synchronisation of data between databases or within a distributed database systemDistributed database system architectures therefor
28.
Systems and methods for mobile device purchase flows
This disclosure describes systems, methods, and computer-readable media related to mobile device purchase flows. In some embodiments, a mobile device may obtain a uniform resource identifier (URI). The mobile device may launch a browser based at least in part on the URI. The mobile device may submit a first set of data to a server based at least in part on the URI and receive a re-direct URI. The mobile device may launch an application in response to receiving the re-direct URI from the server, wherein the application submits a second set of data to the server. The mobile device may facilitate completion of a transaction by the application based at least in part on matching the first set of data and the second set of data at the server.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
29.
Mobile communication systems and methods for redeeming and reporting coupons
Methods, systems, and machine-readable media are disclosed for utilizing mobile electronic devices to redeem and report use of various marketing offers such as coupons. According to one embodiment, redeeming and reporting a marketing offer can comprise transmitting information related to the marketing offer from a mobile wallet of the mobile device to a target device. A redemption message can be received at the mobile wallet of the mobile device from the target device. The redemption message can indicate acceptance of the marketing offer. At least a portion of the redemption message can be sent from the mobile wallet of the mobile device to a service provider system providing communication services to the mobile device. Sending the redemption message from the mobile wallet of the mobile device to the service provider system can be performed via a wireless communications network such as a cellular network.
Embodiments of the disclosure can include systems, methods, computer-readable media, techniques and methodologies for transactional document processing. Users can utilize documents to complete transactions. A user device, such as a point of sale (POS) device may be used to enter user information as well as capture an image of a check. A financial service server, in communication with the POS device, may forward the request to a document analysis server. The document analysis server may use the information received from the POS device to determine whether the document is approved to be used in a transaction. The document analysis server may obtain financial information from an image of the check. The document analysis server may use the user information and financial information to obtain additional information (e.g., credit history, transaction history, etc.). The document analysis server may also determine whether to generate a recommendation with an approval or rejection of the use of the document for the transaction.
Embodiments described herein provide methods and systems for making reward point account balances liquid for the customer. In traditional systems, reward points issued to customers in their reward point accounts have limited redemption options. Embodiments discussed herein allow a user to provision their reward point account into a digital wallet. The user can then use the reward points to purchase goods and services using their reward point account as a payment source via the digital wallet. The result is that the reward point account balance becomes a liquid asset for the customer to use to purchase any goods and/or services at any merchant that accepts payments from a digital wallet. Further, due to real-time point conversion at the time of the transaction, the available point balance is always up-to-date for use through any access method available to the user.
G06Q 20/00 - Payment architectures, schemes or protocols
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
Described herein are techniques for facilitating push provisioning of a user payment source into a user's digital wallet without the user having a physical card. The techniques allow an issuer to provide a button in an issuer's mobile application for the user to simply push the button to request that the payment source be imported into the user's digital pay wallet. In this way, the payment source information is "pushed" into the pay wallet. Using push provisioning, the user need not enter any physical card information. The described techniques generate a chain of trust that can be used to ensure that a user, through an issuer and using an encryption gateway, authorizes a token service provider to provision the payment source into the user's digital wallet.
Users of mobile devices communicate through a mobile gateway to a transaction processing system. The transaction processing system manages accounts, such as debit card accounts, for the users. The accounts include a main account for each user and sub accounts that are linked or related to the main account. Funds may be transferred between a main account and its linked sub accounts, including automatic funds transfer when a transaction (e.g., a payroll deposit from an employer or a debit transaction at a specified retailer) is made against the main account and meets certain parameters established by a user. Access to linked sub accounts is made through use of internal account IDs, rather than the account number of the main account.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
34.
SYSTEM AND METHOD FOR STORING DATA USED BY BREACH DETECTION SYSTEMS
A system for detecting breach of merchant systems includes an extraction management system for extracting wildcard data from a dump site at which stolen account data is offered for sale. The system also includes an account breach identifying system for accessing stored transaction data from multiple banks and merging the extracted dump site data with the transaction data to create unique PAN (primary account number) data records (each set of wildcard data corresponds to only a single PAN) and multiple PAN data records (each set of wildcard data corresponds to multiple PANs). The unique and multiple PAN data records are stored and analyzed separately, and reduce the amount of data needed to identify a breached merchant.
A system for detecting breach of merchant systems includes an extraction management system for extracting wildcard data from a dump site at which stolen account data is offered for sale. The system also includes an account breach identifying system for accessing stored transaction data from multiple banks and merging the extracted dump site data with the transaction data to create unique PAN (primary account number) data records (each set of wildcard data corresponds to only a single PAN) and multiple PAN data records (each set of wildcard data corresponds to multiple PANs). The unique and multiple PAN data records are stored and analyzed separately, and reduce the amount of data needed to identify a breached merchant.
This disclosure describes systems, methods, and computer-readable media related to providing a point of sale platform. In some embodiment, a point of sale (POS) device may receive information associated with an order and payment information associated with the order. The POS device may generate a first object based at least in part on the information associated with the order and a second object based at least in part on the payment information. The POS device may store the first object and the second object in a queue. The POS device may transmit the first object and the second object to a remote server.
Transaction data is collected from POS terminals in order to generate transaction paths for account holders. The transaction paths link merchant locations where transactions are conducted. Common features of transaction paths, such as intersecting path locations, and transaction data associated with the merchant locations are used for marketing and other purposes.
Methods, systems, and machine-readable media are disclosed for registering a mobile device for use in a mobile commerce system. According to one embodiment, a method of registering a mobile device for use in a mobile commerce system can comprise receiving at a service provider system a registration request from a user of the mobile device. A determination can be made with the service provider system whether to allow registration of the mobile device. In response to determining to allow registration of the mobile device, the registration request can be sent from the service provider system to an acquirer system.
Described herein are methods and systems for enhancing security of transaction requests from POS terminals by utilizing ANI-DNIS information. The header of the transaction request can include automatic source information (“ASI”), which can be extracted from the header by the line handler. The ASI information can be provided to the front end interface, which can compare the ASI information with known customer information. The comparison can provide information indicating whether the transaction is legitimate or fraudulent. If fraudulent, the transaction request can be declined. The ASI information can further be stored in a security analysis database and further queried to identify larger threats including denial of service attacks.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
Described herein are methods and systems for enhancing security of transaction requests from POS terminals by utilizing ANI-DNIS information. The header of the transaction request can include automatic source information ("ASI"), which can be extracted from the header by the line handler. The ASI information can be provided to the front end interface, which can compare the ASI information with known customer information. The comparison can provide information indicating whether the transaction is legitimate or fraudulent. If fraudulent, the transaction request can be declined. The ASI information can further be stored in a security analysis database and further queried to identify larger threats including denial of service attacks.
This disclosure describes systems and methods related to facilitating card present transaction. In one embodiment, a service provider system may receive a request from a merchant to initiate a card present transaction associated with a consumer. The service provider system may determine an identifier associated with a mobile device associated with the consumer. The service provider system may communicate to the mobile device, based at least in part on the identifier, a message that facilitates invocation of a transaction module associated with the mobile device. The service provider system may facilitate the car present transaction based at least in part on an interaction with the transaction module.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
Tables and techniques to configure the same are provided. In some embodiments, configuration of one or more memory devices can permit or otherwise facilitate including transaction records in a table or another type of data structure, where the transaction records can be organized based at least on a defined location for a merchant or another type of organization associated with the transaction records.
36 - Financial, insurance and real estate services
Goods & Services
Check verification, credit recovery and collection services;
check authorization services; check acceptance services;
check guarantee services; electronic check conversion
services; payment processing and automatic payment deduction
services; electronic payment transaction processing and
authorization services; payment transaction processing via
form factor devices employing contactless or magnetic stripe
technologies; electronic processing and wireless electronic
processing of check, credit, debit and stored value card
payment transactions; electronic bill payment services,
namely, electronic processing and transmission of bill
payment data; bill payment services allowing consumers to
pay for goods and services by credit, debit or stored value
card or check at the point of sale, over a global computer
network; automatic teller machine (ATM) and debit card
processing services; financial services, namely, account
management, collection, remittance and retention services;
financial transaction capture, settlement, reconciliation
and reporting; chargeback handling and payment
authentication services; banking services, namely, bill pay,
account management, account summary and account transfer
over a global computer network; online banking services,
namely, design, implementation and management of online
banking systems for financial institutions; account
services, namely, providing information from databases and
live operators for financial institutions and merchants by
means of telephone and over a global computer network;
credit and financial risk management, analysis, and
assessment services; providing credit card management and
authorization via interactive databases; providing
information regarding credit and debit card holders, credit
and debit card accounts, and credit and debit card
transactions via an on-line, interactive computer database;
providing information and payment data relating to check,
credit card, debit card, stored value card and electronic
benefits transfer card transactions which enables merchants
to access and download via an online computer database;
providing analyzed data and producing a decision code for
check-related transactions and check authorizations via
interactive computer databases; providing online transaction
authentication and online payment services via online
interactive computer databases; providing financial
transaction data and customer data via interactive
databases; financial forecasting services; financial
research services; financial services, namely, currency
conversion services that allow the customer to pay for goods
in the currency of their choice and allow the merchant to
receive payment in the currency of their choice; risk
management services, namely, prevention, detection and
recovery of financial losses; financial services provided
through customized decision management tools for the
financial services processing industry used to respond to
consumer financial activities; issuing credit, debit, and
stored value cards; commercial card portfolio management
services; tax payment processing services; providing a
computerized tax deposit system for financial institutions;
healthcare card processing solutions, namely, an account
administration and benefits tracking system that enables
multiple fund balances for medical benefits accounts,
namely, health savings accounts, flexible spending accounts
and health reimbursement accounts to be accessed via a
single card that can also serve a medical identification
card; and financial services for the healthcare industry,
namely, validation of charges for insurance claims.
A reusable paper core including a cylindrical body having a circular outer periphery surrounding an open interior. The cylindrical body is configured to receive a roll of paper. The paper core includes at least one plate that spans at least a portion of the open interior such that the at least one plate connects at least two portions of the outer periphery. The at least one plate defines a non-circular central opening.
Methods, systems, and machine-readable media are disclosed for registering a mobile device for use in a mobile commerce system. According to one embodiment, a method of registering a mobile device for use in a mobile commerce system can comprise receiving at a service provider system a registration request from a user of the mobile device. A determination can be made with the service provider system whether to allow registration of the mobile device. In response to determining to allow registration of the mobile device, the registration request can be sent from the service provider system to an acquirer system.
Transaction data is collected from POS terminals in order to generate transaction paths for account holders. The transaction paths link merchant locations where transactions are conducted. Common features of transaction paths, such as intersecting path locations, and transaction data associated with the merchant locations are used for marketing and other purposes.
Methods, systems, and machine-readable media are disclosed for processing a card-not-present transaction. According to one embodiment, processing a card-not-present transaction can comprise receiving a request for a card-not-present transaction involving an enrolled consumer. The request can include information identifying the enrolled consumer. A record of information related to the enrolled consumer can be read and the enrolled consumer can be authenticated based at least in part on the information of the request and the record of information related to the enrolled consumer. In response to authenticating the enrolled consumer, a set of single-use payment information can be generated which can include a one-time password and a dynamic Primary Account Number (PAN) which is valid for a single transaction. The single-use payment information can be provided to the enrolled consumer or the merchant to complete the transaction in place of the true PAN.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
36 - Financial, insurance and real estate services
Goods & Services
Check verification, credit recovery and collection services; check authorization services; check acceptance services; check payment guarantee services; electronic check cashing services; credit card payment processing and automatic bill payment deduction services; providing electronic processing of credit card transactions and electronic payments via a global computer network; merchant services, namely, payment transaction processing via form factor devices employing contactless or magnetic stripe technologies; providing electronic processing and wireless electronic processing of check, credit, debit and stored value card payment transactions; electronic bill payment services, namely, electronic processing and transmission of bill payment data; bill payment services allowing consumers to pay for goods and services by credit, debit or stored value card or check at the point of sale, over a global computer network; automatic teller machine (ATM) and debit card transaction processing services; financial management services, namely, account management, debt collection, remittance and retention services; clearing and reconciling financial transactions via a global computer network, namely, capture, debt settlement, and credit reporting; chargeback recovery services and payment verification services; banking services, namely, bill payment services, credit card account management, credit card account summary and credit card account transfer over a global computer network; online banking services, namely, implementation and management of online banking systems for financial institutions; account services, namely, providing financial information from databases and live operators for financial institutions and merchants by means of telephone and over a global computer network; credit and financial risk management, analysis, and assessment services; providing interactive databases in the field of financial management, namely, credit card management and authorization; providing an on-line, interactive computer database in the field of financial information regarding credit and debit card holders, credit and debit card accounts, and credit and debit card transactions; providing an online computer database in the field of financial information, which enables merchants to access and download check, credit card, debit card, stored value card and electronic benefits transfer card transaction information and payment related data; providing interactive computer databases in the field of checking services, used for data analysis and producing a decision code for check-related transactions and check authorizations; providing online interactive computer databases in the field of payment processing, used for online authentication and online payment; providing interactive databases featuring financial transaction data and financial customer data; financial forecasting services; financial research services; financial services, namely, currency conversion services that allow the customer to pay for goods in the currency of their choice and allow the merchant to receive payment in the currency of their choice; providing financial risk management services for electronic funds transfer, credit and debit cards and electronic check transactions via a global computer network, namely, prevention, detection and recovery of financial losses; issuing credit, prepaid debit, and stored value cards; financial portfolio management, namely, commercial card portfolio management services; tax payment processing services [; insurance administration services, namely administration of a healthcare card account and benefits tracking system that enables multiple fund balances for medical benefits accounts, namely, health savings accounts, flexible spending accounts and health reimbursement accounts to be accessed via a single card that can also serve as a medical identification card; insurance claims administration, namely, validation of charges for insurance claims for the healthcare industry ]
Methods, systems, and machine-readable media are disclosed for securely authorizing a financial transaction utilizing an electronic payment credential. According to one embodiment, a method of authorizing a financial transaction utilizing an electronic payment credential can comprise maintaining information identifying an account associated with the electronic payment credential. The information can also identify one or more electronic devices authorized to use the electronic payment credential. A request to authorize the transaction can be received. The request can include information identifying an electronic device presenting the payment credential. The transaction can be authorized based at least in part on the information identifying the account. Authorizing can comprise determining the electronic device presenting the payment credential is one of the electronic devices authorized to use the electronic payment credential.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
Provisioning a data rate includes receiving a digitally signed request from a requester device for data and appending the request to a distributed ledger. At least one set of digitally signed data is received from at least one data provider system. Each data set is appended to the ledger and a particular data set is selected from the at least one data set. The selected data set is provided to the requester device. A digitally signed command to provision the selected data set is received from the requester device. The command is digitally signed using the public key of the requester device. The command to provision the selected data set is appended to the ledger, causing the data provider system to be notified, and the selected data set is provisioned.
H04L 29/06 - Communication control; Communication processing characterised by a protocol
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
H04L 9/30 - Public key, i.e. encryption algorithm being computationally infeasible to invert and users' encryption keys not requiring secrecy
H04L 9/14 - Arrangements for secret or secure communicationsNetwork security protocols using a plurality of keys or algorithms
H04L 9/06 - Arrangements for secret or secure communicationsNetwork security protocols the encryption apparatus using shift registers or memories for blockwise coding, e.g. D.E.S. systems
53.
Customer loyalty program with shared data and sub-programs
Embodiments of the present disclosure provide systems and methods for increasing participation in loyalty programs. In embodiments, the customer opts into a loyalty program. The customer is then provided with information about his or her loyalty participation and also is provided with information about one or more other customer's participation in the loyalty program. In another embodiment, one or more loyalty members can form their own competition or group within the loyalty program. The members can create loyalty sub-program rules for a competition and allow fellow loyalty members to participate in the competition. The customizable loyalty sub-program competitions further enhance member participation.
36 - Financial, insurance and real estate services
41 - Education, entertainment, sporting and cultural services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Business research; Market research services. Financial analysis, namely, compiling and analyzing statistics, data and other sources of information for financial purposes. Providing on-line digital publications in the nature of electronic research reports and newsletters in the field of business, market, cyber risk management and data and analysis via Internet [not downloadable]. Providing an interactive website featuring technology that allows users to review and generate reports, analyze information and provide reports, make decisions and recommendations about the acceptance or rejection of such transaction activity, configure settings and parameters for scoring fraud activity, provide alerts of fraud trends, generate historical reports and link analyses regarding suspicious activity, and review staff performance in connection therewith; Electronic monitoring of credit card activity to detect fraud via the internet; Electronic monitoring of personally identifying information to detect identity theft via the internet; Computer security services for protecting data and information from unauthorized access.
41 - Education, entertainment, sporting and cultural services
Goods & Services
Providing on-line digital publications in the nature of electronic research reports and newsletters in the field of business, market, cyber risk management and data and analysis via the Internet
36 - Financial, insurance and real estate services
Goods & Services
Business research; Market research services Financial analysis, namely, compiling and analyzing statistics, data and other sources of information for financial purposes
42 - Scientific, technological and industrial services, research and design
Goods & Services
Providing an interactive website featuring technology that allows users to review and generate reports, analyze information and provide reports, make decisions and recommendations about the acceptance or rejection of such transaction activity, configure settings and parameters for scoring fraud activity, provide alerts of fraud trends, generate historical reports and link analyses regarding suspicious activity, and review staff performance in connection therewith; Electronic monitoring of credit card activity to detect fraud via the internet; Electronic monitoring of personally identifying information to detect identity theft via the internet; Computer security services for protecting data and information from unauthorized access, namely, restricting unauthorized access to payment accounts
58.
Mobile communication systems and methods for redeeming and reporting coupons
Methods, systems, and machine-readable media are disclosed for utilizing mobile electronic devices to redeem and report use of various marketing offers such as coupons. According to one embodiment, redeeming and reporting a marketing offer can comprise transmitting information related to the marketing offer from a mobile wallet of the mobile device to a target device. A redemption message can be received at the mobile wallet of the mobile device from the target device. The redemption message can indicate acceptance of the marketing offer. At least a portion of the redemption message can be sent from the mobile wallet of the mobile device to a service provider system providing communication services to the mobile device. Sending the redemption message from the mobile wallet of the mobile device to the service provider system can be performed via a wireless communications network such as a cellular network.
Embodiments of the disclosure can include systems and methods for providing articulating point-of-sale (POS) apparatuses or devices, such as displays. In one embodiment, an articulating point-of-sale (PUS) display assembly may include a base and a movable arm attached to the base. The movable arm may be configured to move from a first position to a second position with respect to the base. The assembly may further include a pivotable display device attached to the movable arm. The pivotable display device may be configured to pivot from a third position to a fourth position with respect to the movable arm. The assembly may also include an arm joint attaching the movable arm to the base, and a pivot joint attaching the pivotable display device to the movable arm.
H05K 7/00 - Constructional details common to different types of electric apparatus
F16M 11/16 - Details concerning attachment of head-supporting legs, with or without actuation of locking members therefor
A47F 9/04 - Check-out counters, e.g. for self-service stores
F16M 11/04 - Means for attachment of apparatusMeans allowing adjustment of the apparatus relatively to the stand
F16M 11/10 - Means for attachment of apparatusMeans allowing adjustment of the apparatus relatively to the stand allowing pivoting around a horizontal axis
F16M 11/20 - Undercarriages with or without wheels
F16M 11/14 - Means for attachment of apparatusMeans allowing adjustment of the apparatus relatively to the stand allowing pivoting in more than one direction with ball-joint
F16M 11/28 - Undercarriages for supports with one single telescoping pillar
F16M 11/06 - Means for attachment of apparatusMeans allowing adjustment of the apparatus relatively to the stand allowing pivoting
G06F 1/16 - Constructional details or arrangements
F16M 11/08 - Means for attachment of apparatusMeans allowing adjustment of the apparatus relatively to the stand allowing pivoting around a vertical axis
42 - Scientific, technological and industrial services, research and design
45 - Legal and security services; personal services for individuals.
Goods & Services
Business assistance and advisory services in the field of security standard reporting; operation of telephone call center for others. Providing a web site featuring technology that enables users to fulfill payment card industry security standard reporting requirements and manage, monitor, and generate information and reports regarding merchant requirements in accordance with the payment card industry security standards. Tracking and monitoring regulatory requirements in the field of merchant payment card requirements for regulatory compliance purposes.
45 - Legal and security services; personal services for individuals.
Goods & Services
Business assistance and advisory services in the field of security standard reporting; operation of telephone call center for others Tracking and monitoring regulatory requirements in the field of merchant payment card requirements for regulatory compliance purposes
42 - Scientific, technological and industrial services, research and design
Goods & Services
Providing a web site featuring technology that enables users to fulfill payment card industry security standard reporting requirements and manage, monitor, and generate information and reports regarding merchant requirements in accordance with the payment card industry security standards
36 - Financial, insurance and real estate services
38 - Telecommunications services
42 - Scientific, technological and industrial services, research and design
Goods & Services
Data processing services in the financial field; Business administration services in the field of payment processing services; Business management. Financial services; payment transaction processing services; financial analyses; bill payment services; payment transaction processing services, namely, credit card, debit card, bank card, stored value card, loyalty card, gift card, electronic benefits transfer, check, online, mobile and electronic funds transfer transaction processing services; credit card services and credit card transaction processing services; debit card services and debit card transaction processing services; bank card services, namely, debit card services and credit and cash card services; bank card transaction processing services, namely, payment processing services in the nature of credit card and debit card transaction processing services; stored value card services and stored value card transaction processing services; gift card transaction processing services; loyalty card transaction processing services in the nature of processing electronic payments made through prepaid cards and debit card transaction processing services; electronic payment services, namely, electronic processing and subsequent transmission of bill payment data from credit cards, debit cards, stored value cards, gift cards, loyalty cards, electronic benefits, checks, mobile and online payments, and electronic funds; electronic funds transfer and bank account settlement services via a global computer network; on-line banking services; credit card, debit card, bank card, stored value card, gift card, and loyalty card program design and implementation; first-party debt collections services related to processed credit card programs; providing customer support services related to credit card, debit card, stored value card, gift card, electronic benefits, check, mobile, online, electronic funds, and bill payment transactions in the nature of providing financial information via call centers. Payment operation services in the nature of connecting point-of-sale terminal, computer payment terminal, and mobile payment acceptance terminals to association networks, merchants and financial institutions via a global computer network, namely, providing electronic telecommunication connections. Credit card, debit card, stored value card, loyalty card, and gift card design services; information security services, namely, data encryption and tokenization services of payment card data.
64.
SYSTEMS AND METHODS FOR TRANSACTIONAL DOCUMENT PROCESSING
Embodiments of the disclosure can include systems, methods, computer-readable media, techniques and methodologies for transactional document processing. Users can utilize documents to complete transactions. A user device, such as a point of sale (POS) device may be used to enter user information as well as capture an image of a check. A financial service server, in communication with the POS device, may forward the request to a document analysis server. The document analysis server may use the information received from the POS device to determine whether the document is approved to be used in a transaction. The document analysis server may obtain financial information from an image of the check. The document analysis server may use the user information and financial information to obtain additional information (e.g., credit history, transaction history, etc.). The document analysis server may also determine whether to generate a recommendation with an approval or rejection of the use of the document for the transaction.
Embodiments of the disclosure can include systems, methods, computer-readable media, techniques and methodologies for transactional document processing. Users can utilize documents to complete transactions. A user device, such as a point of sale (POS) device may be used to enter user information as well as capture an image of a check. A financial service server, in communication with the POS device, may forward the request to a document analysis server. The document analysis server may use the information received from the POS device to determine whether the document is approved to be used in a transaction. The document analysis server may obtain financial information from an image of the check. The document analysis server may use the user information and financial information to obtain additional information (e.g., credit history, transaction history, etc.). The document analysis server may also determine whether to generate a recommendation with an approval or rejection of the use of the document for the transaction.
36 - Financial, insurance and real estate services
38 - Telecommunications services
42 - Scientific, technological and industrial services, research and design
Goods & Services
(1) Data processing services in the financial field; Business administration services in the field of payment processing services.; Business management.
(2) Financial services, namely, payment transaction processing services, financial analyses, bill payment services, payment transaction processing services, namely, credit card, debit card, bank card, stored value card, loyalty card, gift card, electronic benefits transfer, check, online, mobile and electronic funds transfer transaction processing services, credit card services and credit card transaction processing services, debit card services and debit card transaction processing services, bank card services, namely, debit card services and credit and cash card services, bank card transaction processing services, namely, payment processing services in the nature of credit card and debit card transaction processing services, stored value card services and stored value card transaction processing services, gift card transaction processing services, loyalty card transaction processing services in the nature of processing electronic payments made through prepaid cards and debit card transaction processing services, electronic payment services, namely, electronic processing and subsequent transmission of bill payment data from credit cards, debit cards, stored value cards, gift cards, loyalty cards, electronic benefits, checks, mobile and online payments, and electronic funds, all via a global computer network, electronic funds transfer and bank account settlement services via a global computer network, namely, on-line bill payment services, credit card, debit card, bank card, stored value card, gift card, and loyalty card program design and implementation, first-party debt collections services related to processed credit card programs; providing customer support services related to credit card, debit card, stored value card, gift card, electronic benefits, check, mobile, online, electronic funds, and bill payment transactions in the nature of providing financial information via call centers.
(3) Payment operation services in the nature of connecting point-of-sale terminal, computer payment terminal, and mobile payment acceptance terminals to association networks, merchants and financial institutions via a global computer network, namely, providing electronic telecommunication connections.
(4) Credit card, debit card, stored value card, loyalty card, and gift card design services; information security services, namely, data encryption and tokenization services of payment card data.
67.
SYSTEMS AND METHODS FOR FACILITATING PURCHASES AT A GAS STATION
A method of remotely activating a transaction device includes receiving, at a computing system, a mobile device identifier from a mobile application executed on a mobile device. A selection of the transaction device is received from the application. The selection includes an identifier of the transaction device. A selection of a transaction amount related to purchase of a product is received from the application. An authorization request for a payment account associated with the mobile device is communicated to an issuer of the payment account. The authorization request is for a transaction of at least the transaction amount. An authorization approval for the transaction is received from the issuer and a signal to activate the transaction device to dispense the product is sent based on the identifier. The transaction device is deactivated upon dispensing the transaction amount and a receipt of the transaction is provided to the mobile device.
A mobile device for biometric authentication includes a touchscreen display, a biometric input interface with a biometric sensor, a communications interface, a memory, and a processor. The processor navigates a browser to a website and receives an input associated with a biometric access icon associated with a secure webpage that is displayed on the website. The processor launches an interface of a mobile authentication application upon receiving the input. The interface includes an instruction to provide a biometric input. The processor receives the biometric input and compares the received input with a stored input. The stored input is stored on the memory. The processor authenticates a user of the mobile device based on the comparison of the received input and the stored input, communicates an authentication confirmation to an entity associated with the secure webpage, and receives a uniform resource locator (URL) associated with the secure webpage.
G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
G06F 21/36 - User authentication by graphic or iconic representation
G06K 9/00 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
G06F 19/20 - for hybridisation or gene expression, e.g. microarrays, sequencing by hybridisation, normalisation, profiling, noise correction models, expression ratio estimation, probe design or probe optimisation
A61B 34/10 - Computer-aided planning, simulation or modelling of surgical operations
G06Q 30/02 - MarketingPrice estimation or determinationFundraising
A method of remotely activating a transaction device includes receiving, at a computing system, a mobile device identifier from a mobile application executed on a mobile device. A selection of the transaction device is received from the application. The selection includes an identifier of the transaction device. A selection of a transaction amount related to purchase of a product is received from the application. An authorization request for a payment account associated with the mobile device is communicated to an issuer of the payment account. The authorization request is for a transaction of at least the transaction amount. An authorization approval for the transaction is received from the issuer and a signal to activate the transaction device to dispense the product is sent based on the identifier. The transaction device is deactivated upon dispensing the transaction amount and a receipt of the transaction is provided to the mobile device.
A method of remotely activating a transaction device includes receiving, at a computing system, a mobile device identifier from a mobile application executed on a mobile device. A selection of the transaction device is received from the application. The selection includes an identifier of the transaction device. A selection of a transaction amount related to purchase of a product is received from the application. An authorization request for a payment account associated with the mobile device is communicated to an issuer of the payment account. The authorization request is for a transaction of at least the transaction amount. An authorization approval for the transaction is received from the issuer and a signal to activate the transaction device to dispense the product is sent based on the identifier. The transaction device is deactivated upon dispensing the transaction amount and a receipt of the transaction is provided to the mobile device.
42 - Scientific, technological and industrial services, research and design
45 - Legal and security services; personal services for individuals.
Goods & Services
Providing an interactive website in the field of payment transaction risk management featuring technology that analyzes information and provides reports on card not present payment transactions, make recommendations about the acceptance or rejection of such transaction activity, configure settings and parameters for scoring fraud activity, provide alerts of fraud trends, generate historical reports and link analyses regarding suspicious activity, and review staff performance in connection therewith Fraud detection services in the field of payment transactions where a physical card is not presented
A method for facilitating mobile ordering includes associating a merchant handle with a merchant. A user account including a handle is created for a user within an ordering system. A product order, having order details, is received. The product order is stored and is associated with an order code such that the order details are retrievable based on reception of the order code. An enrollment message is provided to the handle. A message including the order code is received from the handle directed to the merchant handle. The handle is associated with the merchant handle and the order code to identify the product order, the merchant, and the user. An order confirmation message is including order details is provided to the handle. A user confirmation message is received from the handle. The product order is communicated to the merchant and an order status message to the handle.
Disclosed herein are certain embodiments of systems and methods for standardizing a plurality of digital wallet credits, into one digital wallet system. Expenditures of merchant issued credit stored in digital wallets are supported by tokenization of assets. Assets are encoded and represented by currencies tracked on public ledgers. Data is mined from the public ledger, decoded, and presented to users with a unified interface which allows users to view balances at any time of all digital wallets in their possession.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06F 3/0484 - Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
The disclosure relates to systems and methods for processing decoupled debit transactions. In one embodiment, a system is provided. The system can include a device with a camera and a graphical user interface, and the system can further include a server. The device can identify received user information for a first transaction provided by a user to the graphical user interface of the device. The camera can capture an image of a check for the first transaction. The device can generate a first transaction message comprising the user information and the image of the check. The device can send the first transaction message to the server. The device can identify an indication received from the server that the user is approved for enrollment in a decoupled debit program, and the device further identifies an identifier received from the server for a decoupled debit program account. The graphical user display can display the indication to the user.
G06F 3/0484 - Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
G06K 7/14 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation using light without selection of wavelength, e.g. sensing reflected white light
G06K 7/10 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
Methods and systems are described for issuing and settling electronic coupons. A financial service host may receive authorization and settlement information, wherein the authorization and settlement information comprises an account number of the consumer. The account number may be linked to an account of the consumer enrolled in an electronic coupon program. The methods and system may also include transmitting a notification to the consumer that indicates the electronic coupon has been redeemed. A monetary value associated with the electronic coupon may be debited from an account linked to the merchant, and the account of the consumer may be credited with the monetary value associated with the electronic coupon.
36 - Financial, insurance and real estate services
Goods & Services
Administration of a customer loyalty program which provides incentives at the point of sale; Customer relationship management in the nature of distribution of gift cards for participating retailers; Incentive award programs to promote the sale of products and services of others; Promoting and marketing the goods and services of others by distributing advertising material, coupons, gift cards, loyalty cards, and discount offers via electronic communication networks Financial services, namely, providing on-line stored value accounts in an electronic environment; Gift card transaction processing services; Loyalty program payment processing services; Payment processing services in the field of redemption of electronic coupons, stored value cards, gift cards, deal discounts, virtual coupons, and incentive program award payments; Stored value prepaid card services, namely, processing electronic payments made through prepaid cards
42 - Scientific, technological and industrial services, research and design
Goods & Services
Computer services, namely, designing and implementing e-commerce web sites for others; Computer services, namely, designing and implementing computer programs for others in the field of payment processing services, customer loyalty services and receivables management services, excluding mortgage lending and closing services for others; Leasing of computer hardware and computer peripheral equipment for use in point-of-sale transactions; On-line security services, namely, providing security and anonymity for electronically transmitted credit card transactions; Providing temporary use of on-line non-downloadable software for use in analyzing credit and debit card expenditures and generating reports relating thereto; Providing temporary use of on-line non-downloadable software for the financial services industry for analyzing financial data used to authorize or decline consumer credit requests
Business administration of consumer loyalty programs; business marketing consulting services; customer service management for others; market analysis and research services; operation of telephone call centers for others; providing an on-line computer database featuring trade information in the field of commercial business; promoting the goods and services of others by means of the issuance of loyalty rewards cards
45 - Legal and security services; personal services for individuals.
Goods & Services
Identification verification services, namely, providing authentication of personal identification information; Monitoring of computer systems for security purposes; Providing fraud detection services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network
Systems and methods for handling tokens. In one aspect, a token is intercepted by a data processor and a contact is made with a detokenization provider by the data processor. In another aspect, token service is aggregated. In another aspect, tokenization is extended to physical cards, to deter certain kinds of fraud.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
A payment terminal and a host computer system are configured to provide human-readable messaging capability with a person at an external location outside of a financial infrastructure. A payment terminal at a point of sale may be used to cause human-readable message content to be forwarded to the person by the host computer system, either automatically or at the instigation of an operator of the payment terminal. Message content from the person may be delivered to the payment terminal for display to the operator. The person at the external location may be able to retrieve information stored in the payment terminal via standard communication channels. The system also provides a mechanism for exchanging messages between payment terminals.
Devices and systems for performing contactless payments. The devices are configured such that account issuers have increased flexibility, and such that the systems and methods are extensible to encompass new technologies.
G06G 1/12 - Devices in which computing is effected by adding, subtracting, or comparing lengths of parallel or concentric graduated scales characterised by the graduation logarithmic graduations, e.g. for multiplication
G06Q 20/00 - Payment architectures, schemes or protocols
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
90.
System and method for issuing prepaid negotiable instruments
Pre-paid negotiable instruments are issued in response to a request at a host system from the holder of a stored-value account. The request is made through an IVR system or a web interface, and the host allocates funds from the account and provides a balance remaining after the negotiable instrument is issued. The instrument is printed with a transaction number or other identifier at an issuing system, and is then sent to the account holder. The account holder activates the instrument after receipt. The payee receives the instrument and authorizes the instrument by providing the transaction number or identifier to the host. When authorized, payment is guaranteed to the payee from the issuer.
G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
09 - Scientific and electric apparatus and instruments
35 - Advertising and business services
36 - Financial, insurance and real estate services
38 - Telecommunications services
42 - Scientific, technological and industrial services, research and design
45 - Legal and security services; personal services for individuals.
Goods & Services
Computer software for use by merchants to process payment transactions made by check, credit, debit or stored value card over a global computer network; combination electronic terminal, printer, check reader, card reader and payment transaction storage device for use in the approval and processing of check, credit, debit and stored value card payments; and computer hardware, namely, terminals, printers, PIN pads, contactless readers, cellular wireless computer terminals for use in connection with check, credit card, debit card and stored value card transactions, transaction authorizations and payment processing services; computer software relating to financial matters, point-of-sale transactions and payment processing; computer software for payment terminals and point-of-sale apparatus; payment terminals, money dispensing and sorting devices; data processing equipment for payment processing and point-of-sale transactions; point-of-sale terminals; point of sale apparatus; encoded cards and data storage devices for use in point-of-sale transactions and payment processing; computer peripherals for use in point-of-sale transactions and payment processing; computer software for financial transaction processing, facilities management, credit and debit card processing, mutual fund processing, healthcare claims processing, telecommunications transaction processing, payment instruction processing and for cable television billing processing; computer hardware and computer software; data processing apparatus and instruments; magnetic tapes, cards and discs; computer programmes; parts and fittings for all the aforesaid goods. Data processing services in the field of check, credit, debit, stored value and electronic benefits transfer card transactions and payments; bookkeeping and data processing in the field of employee benefits and pension plans; advertising services, namely, selective insertion of promotional and informational materials into mailings; advertising and marketing services, namely, direct mail, development and creation of brochures, sales support communications and other promotional materials; marketing and advertising services for others, namely, placing of onscreen advertising on automatic teller machines (ATMs); mail processing services for others, namely, mail sorting and handling and receiving; business management, namely, efficiency expert services in the areas of information and workflow processing management; business administration services, namely, computerized order processing and inventory management; business services, namely, administration, billing and reconciliation of accounts on behalf of others; providing business information management services, namely, managing business information and data databases of others and preparing from said databases business models, business reports and correspondence comprising business information for others for use in business management activities and in customer mailings; business services for others, namely, providing market analysis in the nature of business marketing database modeling and scoring and providing business marketing information services for card issuers, deposit banks, and other direct marketers; business investigations; operation of telephone call centers for others; customer services, namely, providing customer service and product inquiry services via telephone and e-mail for others; customer loyalty services for financial institutions and merchants for commercial, promotional and/or advertising purposes, namely, conducting incentive award programs to promote the sale of products and services of others; promoting the sale of the goods and services of others through the distribution and processing of electronic coupons issued over a global computer network; tax filing and tax calculation services; providing an on-line interactive database containing commercial business information regarding consumers, namely, commercial financial transaction data, consumer data and customer data; processing of customer loyalty points, discounts and rewards via wireless proximity payment devices and magnetically encoded cards; advertising, marketing and promotional services; office functions; data processing; business assistance, management and administrative services; advertising, marketing and promotional services relating to financial services; loyalty, incentive and bonus program services; data processing services; data processing and billing services all in the fields of facilities management, credit and debit cards, money orders and wire transfers, mutual funds, healthcare insurance claims, telephone orders, telephone contests, games for others and cable television; accounting, auditing, book-keeping and billing services. Financial affairs; monetary affairs; payment processing; financial transfers and transactions, and payment services; payment administration services; money transfer services; credit card cash advance services; electronic transaction processing services; fraud management services with respect to financial, credit and debit card services; issuing credit, debit and other cards and digitally capturing photos and other images to be placed on the cards; cash management services; financial and banking information provided by means of a computer database; payment services, namely, electronic processing of bill payment data; account receivable management services, namely, pre-charge off collection services; account management, collection, remittance and retention services for credit and debit card issuers; wireless electronic processing of check, credit card, and chip card transactions; check, credit card, debit card and chip card authorizations; transaction capture, transaction settlement, chargeback handling, transaction reconciliation and transaction reporting; check, credit card, debit card and chip card payment. Telecommunications; electronic mail services, namely, electronic receipt and transmission of text, files, graphics and data via computer networks and mobile communication devices; electronic transmission of data and documents via telephones, computers and mobile communication devices over a global computer network; and telecommunications services, namely, electronic and digital transmission of voice, data, images, signals, and messages enabling merchants and financial institutions to notify customers of time-critical events through interactive voice response, text messaging, broadcast messaging, e-mail and instant messaging using wireless application protocol for mobile communication, fax and pager devices. Providing temporary use of on-line, non-downloadable software for use by merchants to process payment transactions made by check, credit, debit or stored value card over a global computer network; providing temporary use of on-line non-downloadable software for use in analyzing credit and debit card expenditures and generating reports relating thereto; equipment leasing, namely, leasing of computer hardware and peripheral equipment for use in point of sale transactions; computer services, namely, designing and maintaining computer programs for others in the field of payment processing services, customer loyalty services and receivables management services, excluding mortgage lending and closing services; computer services, namely, designing computer networks for others in the field of payment processing services, customer loyalty services and receivables management services; data encryption and data security services, namely, providing security and anonymity for electronically transmitted payment transactions; web service solutions, namely, web site hosting services and design of web sites for others, namely, web based stores; website design and website management services for financial institutions; consulting services in the field of computer-based information systems for businesses which utilize payment processing services, customer loyalty services and receivables management services; computer services, namely, implementing e-commerce web sites for others; providing temporary use of on-line non-downloadable software in the nature of an online interactive computer database which analyzes financial data for use in authorizing or declining check-related transactions; providing temporary use of on-line non-downloadable software in the nature of an online interactive computer database which analyzes data for use in authentication of users and payments in online financial transactions; providing temporary use of on-line non-downloadable software to the financial services industry for analyzing financial data used to authorize or decline consumer credit requests; graphic design of financial statements and credit, debit and stored value cards for others; providing temporary use of non-downloadable software in the fields of data processing, financial matters, point-of-sale transactions and payment processing; design and development of computer hardware and software in the fields of data processing, financial matters, point-of-sale transactions and payment processing. Fraud detection services.
Embodiments of the disclosure generally relate to systems and methods for processing electronic payments for retail services and goods delivered by a retail establishment. In embodiments, a mobile wallet application is installed in the automobile. The automobile wallet application can receive and/or send transaction and payment information over a near field communication system to a retailer and on to an authorizing authority. The authorizing authority receives the payment and transaction information, authorizes or declines the payment of the transaction, and forwards the authorization or declination to the automobile wallet application. If authorized, the retailer provides the retail good or service.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
Embodiments of the invention provide systems and methods for providing trusted service management services. According to one embodiment, a system can include a processor operable to execute computer-executable instructions to: generate a message generated based on a common messaging standard; transmit the message via a common gateway and corresponding interface; receiving, via the common gateway and corresponding interface, a response generated based on the common messaging standard; and process the response based on the common messaging standard.
G06F 21/74 - Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer to assure secure computing or processing of information operating in dual or compartmented mode, i.e. at least one secure mode
G06F 21/77 - Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer to assure secure computing or processing of information in smart cards
G06F 21/88 - Detecting or preventing theft or loss
H04L 29/08 - Transmission control procedure, e.g. data link level control procedure
H04W 4/00 - Services specially adapted for wireless communication networksFacilities therefor
Users of mobile devices communicate through a mobile gateway to a transaction processing system. The transaction processing system manages accounts, such as debit card accounts, for the users. The accounts include a main account for each user and sub accounts that are linked or related to the main account. Funds may be transferred between a main account and its linked sub accounts, including automatic funds transfer when a transaction (e.g., a payroll deposit from an employer or a debit transaction at a specified retailer) is made against the main account and meets certain parameters established by a user. Access to linked sub accounts is made through use of internal account IDs, rather than the account number of the main account.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
96.
Systems and methods for providing articulating point-of-sale apparatuses or devices
Embodiments of the disclosure can include systems and methods for providing articulating point-of-sale (POS) apparatuses or devices, such as displays. In one embodiment, an articulating point-of-sale (POS) display assembly may include a base and a movable arm attached to the base. The movable arm may be configured to move from a first position to a second position with respect to the base. The assembly may further include a pivotable display device attached to the movable arm. The pivotable display device may be configured to pivot from a third position to a fourth position with respect to the movable arm. The assembly may also include an arm joint attaching the movable arm to the base, and a pivot joint attaching the pivotable display device to the movable arm.
H05K 7/00 - Constructional details common to different types of electric apparatus
H05K 5/00 - Casings, cabinets or drawers for electric apparatus
A47F 9/04 - Check-out counters, e.g. for self-service stores
F16M 11/04 - Means for attachment of apparatusMeans allowing adjustment of the apparatus relatively to the stand
F16M 11/08 - Means for attachment of apparatusMeans allowing adjustment of the apparatus relatively to the stand allowing pivoting around a vertical axis
F16M 11/10 - Means for attachment of apparatusMeans allowing adjustment of the apparatus relatively to the stand allowing pivoting around a horizontal axis
F16M 11/20 - Undercarriages with or without wheels
F16M 11/14 - Means for attachment of apparatusMeans allowing adjustment of the apparatus relatively to the stand allowing pivoting in more than one direction with ball-joint
F16M 11/28 - Undercarriages for supports with one single telescoping pillar
F16M 11/06 - Means for attachment of apparatusMeans allowing adjustment of the apparatus relatively to the stand allowing pivoting
G06F 1/16 - Constructional details or arrangements
This disclosure describes systems, methods, and computer-readable media related to mobile device purchase flows. In some embodiments, a mobile device may obtain a uniform resource identifier (URI). The mobile device may launch a browser based at least in part on the URI. The mobile device may submit a first set of data to a server based at least in part on the URI and receive a re-direct URI. The mobile device may launch an application in response to receiving the re-direct URI from the server, wherein the application submits a second set of data to the server. The mobile device may facilitate completion of a transaction by the application based at least in part on matching the first set of data and the second set of data at the server.
G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
99.
SYSTEMS, METHODS, AND APPARATUS FOR DOCKING A HANDHELD DEVICE
A docking assembly for a handheld device comprising a handle and associated methods are disclosed herein. The docking assembly may include a base, a tube extending from the base, and a dock cup in rotatable communication with the tube. The dock cup may be configured to mate with the handle. The docking assembly also may include an electrical connection assembly configured to mate with the handle when the handle is positioned within the dock cup. Moreover, the docking assembly may include a first locking assembly configured to lock the handle in the dock cup to prevent the handle from being removed from the dock cup, and a second locking assembly configured to lock the orientation of the dock cup to prevent rotation of the dock cup.
36 - Financial, insurance and real estate services
42 - Scientific, technological and industrial services, research and design
45 - Legal and security services; personal services for individuals.
Goods & Services
Providing a web-based online portal featuring commercial sales information, sales transaction and accounts receivable information and business analytical reports for retailers, financial institutions, processors and independent sales organizations Computer services, namely, providing a web-based online portal featuring financial information, transaction processing and account information and analytical reports thereof to retailers, financial institutions, processor and independent sales organizations Providing a website featuring temporary use of non-downloadable software for use in transaction processing that provides merchant transactional and reporting solutions, customer service reporting and monitoring services, and fraud and risk management solutions, for financial organizations, independent sales organizations, agents, and merchants Computerized security services, namely, electronically monitoring, detecting and reporting any suspicious or abnormal patterns indicating theft, fraud or other criminal activity; fraud detection services in the field of credit card processing
