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公开(公告)号：US12093911B2
公开(公告)日：2024-09-17
申请号：US16829592
申请日：2020-03-25
CPC分类号： G06Q20/20 , G06Q20/227 , G06Q20/322 , G06Q20/3255 , G06Q20/326 , G06Q20/3278 , G06Q30/02 , G07F17/16
摘要： 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.
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公开(公告)号：US12045793B2
公开(公告)日：2024-07-23
申请号：US17162272
申请日：2021-01-29
CPC分类号： G06Q20/204 , G06Q20/12 , G06Q20/20 , G06Q20/327 , G06Q20/357 , G06Q20/367 , G06Q20/3674 , G06Q20/385
摘要： 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.
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公开(公告)号：US11748744B2
公开(公告)日：2023-09-05
申请号：US16837718
申请日：2020-04-01
发明人： Vijay Royyuru , Renee Goodheart , Lanny Byers , Timothy Horton , Kathryn Whalen , Lixia Zhu
CPC分类号： G06Q20/3674 , G06Q20/3672 , G06Q20/388
摘要： 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.
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公开(公告)号：US20220067036A1
公开(公告)日：2022-03-03
申请号：US17525770
申请日：2021-11-12
摘要： 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.
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公开(公告)号：US11178118B2
公开(公告)日：2021-11-16
申请号：US16379566
申请日：2019-04-09
发明人： Nicholas Aceto , Kevin Nathan , Kyle Nahrgang , Tom Catullo , Pete Foley , Bill Miller , Evan Broderick
摘要： 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.
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公开(公告)号：US11093998B2
公开(公告)日：2021-08-17
申请号：US16806645
申请日：2020-03-02
发明人： Clarence Williams
摘要： 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.
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公开(公告)号：US20210150504A1
公开(公告)日：2021-05-20
申请号：US17162272
申请日：2021-01-29
摘要： 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.
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公开(公告)号：US11008193B2
公开(公告)日：2021-05-18
申请号：US16842365
申请日：2020-04-07
发明人： Bradley Rodgers , Ron Weedin
摘要： 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.
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公开(公告)号：US10949826B2
公开(公告)日：2021-03-16
申请号：US15065764
申请日：2016-03-09
摘要： 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.
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10.发明授权公开(公告)号：US10803515B2
公开(公告)日：2020-10-13
申请号：US12262400
申请日：2008-10-31
申请人： Daniel P Skowronek
发明人： Daniel P Skowronek
摘要： Embodiments of the invention may relate to systems, methods, and apparatus for using a contactless transaction device reader with a computing system. According to one embodiment, a system for conducting a transaction on a personal computing system using a contactless transaction device may include a communications interface operable to connect with a network, a memory, a contactless transaction device reader operable to communicate wirelessly with a contactless transaction device, and a processor in communication with the memory, the communications interface, and the contactless transaction device reader. The processor may be operable to cause the contactless transaction device reader to read information from the contactless transaction device, to verify that the user's authority, to provide transaction information, based at least in part on the information read from the contactless transaction device, when conducting a transaction, and to transmit at least a portion of the transaction information to an entity.
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