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    Decentralized computer systems and methods for efficient transaction dispute management using blockchain
    1.
    发明授权
    Decentralized computer systems and methods for efficient transaction dispute management using blockchain 有权

    公开(公告)号：US11270300B1

    公开(公告)日：2022-03-08

    申请号：US15687049

    申请日：2017-08-25

    申请人： VANTIV, LLC

    发明人： Ramesh Vijayaraghavan

    IPC分类号： G06Q20/38 ,  H04L29/06 ,  G06Q99/00

    摘要： Decentralized computer systems and methods are disclosed for efficient transaction dispute management using blockchain. One method includes: receiving transaction information of a transaction, wherein the transaction information includes (1) an identifier of an issuer of a payment source account, (2) an identifier of an acquirer of a payment account of a merchant, and (3) the amount of resources to be applied in the transaction; generating a blockchain entry that stores the received transaction information in a shared ledger to participants of the blockchain; receiving in the shared ledger, from a participant, (1) an indication of a dispute of the transaction information, and (2) a proposed change to the transaction information; prompting the participants of the blockchain to respond to the indication of the dispute; if one of the participants denies the proposed change, executing a dispute settlement process to determine a revised transaction information.

    Systems and methods for electronic scheduling of payment transaction submissions over electronic networks
    2.
    发明授权
    Systems and methods for electronic scheduling of payment transaction submissions over electronic networks 有权

    公开(公告)号：US11176558B1

    公开(公告)日：2021-11-16

    申请号：US15334054

    申请日：2016-10-25

    申请人： Vantiv, LLC

    发明人： William H. Cohn ,  Sunil Dixit ,  Fengzhong Wang

    IPC分类号： G06Q20/40

    摘要： A method for payment submission scheduling includes receiving, at an acquirer computing system, an authorization request submitted by a merchant computing system for a transaction, the merchant computing system being associated with a merchant, and the authorization request identifying account information for an account that is associated with a payment card network and an issuer processor; generating a submission schedule to submit the authorization request based on a dataset of historical processing results, the submission schedule identifying a time slot within which the submitted authorization request is to be transmitted to the issuer processor; and transmitting, by the acquirer computing system to an issuer processor, the authorization request, within the time slot identified by the submission schedule.

    Matching engines and graphical user interfaces for partner recommendations and lead sharing
    3.
    发明授权
    Matching engines and graphical user interfaces for partner recommendations and lead sharing 有权

    公开(公告)号：US10970763B1

    公开(公告)日：2021-04-06

    申请号：US15367944

    申请日：2016-12-02

    申请人： Vantiv, LLC

    发明人： Christopher Allen

    IPC分类号： G06Q30/06 ,  G06F3/0482 ,  G06Q20/10

    摘要： Systems and methods for assisting in pairing entities in an electronic payments processing network are disclosed herein. For example, systems and methods are disclosed herein for generating a customized user interface for displaying a plurality of potential partners/resellers for pairing with one or more leads. Systems and methods herein may be used to receive the identity of one or more potential partners/resellers having a plurality of attributes, receive the identity of one or more new leads and a plurality of lead attributes, select one or more potential partners/resellers having attributes that are compatible with the plurality of lead attributes, and display the one or more potential partners/resellers on a graphical user interface.

    Technologies for token-based authentication and authorization of distributed computing resources
    5.
    发明授权
    Technologies for token-based authentication and authorization of distributed computing resources 有权

    公开(公告)号：US10044701B2

    公开(公告)日：2018-08-07

    申请号：US15162936

    申请日：2016-05-24

    申请人： Vantiv, LLC

    发明人： Scott Edward Blasi

    IPC分类号： H04L29/06 ,  H04L9/32 ,  G06F21/10 ,  G06F9/54

    摘要： Technologies for token-based access authorization to an application program interface (API) include an access management server to receive a service request message from an application executed by a remote computing device. The service request message includes a digitally signed license token previously generated by the access management server and distributed to the remote computing device. The service request message also includes a request from the executed application to access data or a service of the resource server via an exposed API. The access management server verifies the digital signature of the digitally signed license token and generates a digitally signed Security Assertion Markup Language (SAML) token. The digitally signed SAML token is transmitted to the resource server for verification and local caching. The resource server receives the service request message and determines whether access to the requested data or service is authorized based on the locally-cached SAML token.

    Systems and methods for optimizing transaction conversion rate using machine learning
    8.
    发明授权
    Systems and methods for optimizing transaction conversion rate using machine learning 有权

    公开(公告)号：US11507953B1

    公开(公告)日：2022-11-22

    申请号：US15814674

    申请日：2017-11-16

    申请人： Vantiv, LLC

    发明人： William H. Cohn ,  Sayid Shabeer ,  Ned Canning

    IPC分类号： G06Q20/40 ,  G06Q30/06 ,  G06Q20/36 ,  G06N20/00

    摘要： A method for optimizing transaction authorization conversion rates using machine learning includes retrieving payment transaction parameters and authorization results for a plurality of past payment transactions from a database, generating a transaction success model comprising authorization success factors for each of a plurality of payment transaction parameters using a machine learning training phase based on the retrieved payment transaction parameters and authorization results, receiving, at an acquirer processor, a payment transaction from a merchant, modifying one or more parameters of the payment transaction according to the generated transaction success model, and submitting the modified payment transaction to a financial institution for processing.

    Systems and methods for cloud-based management of payment devices
    9.
    发明授权
    Systems and methods for cloud-based management of payment devices 有权

    公开(公告)号：US11488130B1

    公开(公告)日：2022-11-01

    申请号：US15354075

    申请日：2016-11-17

    申请人： Vantiv, LLC

    发明人： Coy Christensen

    IPC分类号： G06Q20/20 ,  H04L67/10 ,  G06Q20/40

    摘要： A computer-implemented method for cloud-based management of payment devices includes connecting a point of interaction device (POI) to a terminal management engine (TME) through a computer network, downloading operating software for the POI and configuration files for the POI from the TME to the POI, initializing the POI using the operating software, and configuring the POI using the configuration files. An alternative computer-implemented includes connecting to a POI through a computer network, receiving a transaction request from a TMC through the computer network, confirming access to the POI, transmitting a request for consumer information to the POI, receiving requested consumer information from the POI, transmitting the requested consumer information to the TMC, receiving a transaction approval message or a transaction decline message from the TMC, and transmitting the transaction approval message or the transaction decline message to the POI.

    Methods and systems for data analytics for payment facilitators
    10.
    发明授权
    Methods and systems for data analytics for payment facilitators 有权

    公开(公告)号：US11328309B1

    公开(公告)日：2022-05-10

    申请号：US15926183

    申请日：2018-03-20

    申请人： Vantiv, LLC

    发明人： Ali Sahibzada

    IPC分类号： G06Q30/02 ,  G06Q20/20 ,  G06T11/20

    摘要： Systems and methods for providing analytics data to payment facilitators and sub-merchants via a dynamic dashboard. Methods comprise receiving a request for analytics data associated with transaction data received at a point of sale terminal operated by a sub-merchant of the payment facilitator; querying, a transaction database of the acquirer processor computing system for the analytics data responsive to the request; transmitting the analytics data from the acquirer processor computing system to the payment facilitator computing system if the request for analytics data originates from the payment facilitator; transmitting the analytics data from the acquirer processor computing system to a sub-merchant computing system if the request for analytics data originates from the sub-merchant of the payment facilitator; and generating an electronic dashboard presenting the queried analytics data responsive to the request, for display on a screen of the payment facilitator computing system or the sub-merchant computing system.