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公开(公告)号：US20220335468A1
公开(公告)日：2022-10-20
申请号：US17230681
申请日：2021-04-14
发明人： Timur Sherif , Tao Lin , Christopher Wu
摘要： Aspects described herein allow for systems and methods for spending reward points utilizing payment tokens and verifying reward payment tokens in cross-site transactions for reward purchases. The reward payment token system may include one or more of a reward payment token server, a merchant server, or one or more devices all connected via the network. The reward payment token server may include one or more of the following components: a reward payment token engine, a token translation engine, a rewards engine, a reward payment token database, or a rewards database. The reward payment token system and reward payment token server provide the unique capability of providing real-time spending of rewards without the customer having a pre-existing relationship and/or integration between the two businesses.
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公开(公告)号：US12125015B2
公开(公告)日：2024-10-22
申请号：US18382352
申请日：2023-10-20
发明人： Timur Sherif , Matthew Kloster , Tao Lin , Kevin Osborn
CPC分类号： G06Q20/204 , G06F13/4282 , G06Q20/382 , G06F2213/0042
摘要： A transaction card is provided for communicating with a computing device. The transaction card may comprise a computer interface device, at least one memory, at least one processor, and a card reader module. The card reader module configured to receive, from the computing device through the computer interface device, a first data packet comprising a request associated with a transaction, the first data packet being compatible with an interface protocol. The card reader module may process the first data packet to generate a second data packet compatible with the payment authentication protocol; provide the second data packet to the processor; receive, from the processor, a third data packet comprising a response to the request; process the third data packet to generate a fourth data packet based on the response, the fourth data packet compatible with the interface protocol; and transmit, to the computer interface device, the fourth data packet.
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公开(公告)号：US11443292B2
公开(公告)日：2022-09-13
申请号：US16528991
申请日：2019-08-01
发明人： Timur Sherif , Matthew Kloster , Tao Lin , Kevin Osborn
摘要： A transaction card is provided for communicating with a computing device. The transaction card may comprise a computer interface device, at least one memory, at least one processor, and a card reader module. The card reader module configured to receive, from the computing device through the computer interface device, a first data packet comprising a request associated with a transaction, the first data packet being compatible with an interface protocol. The card reader module may process the first data packet to generate a second data packet compatible with the payment authentication protocol; provide the second data packet to the processor; receive, from the processor, a third data packet comprising a response to the request; process the third data packet to generate a fourth data packet based on the response, the fourth data packet compatible with the interface protocol; and transmit, to the computer interface device, the fourth data packet.
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公开(公告)号：US11829979B2
公开(公告)日：2023-11-28
申请号：US17884362
申请日：2022-08-09
发明人： Timur Sherif , Matthew Kloster , Tao Lin , Kevin Osborn
CPC分类号： G06Q20/204 , G06F13/4282 , G06Q20/382 , G06F2213/0042
摘要： A transaction card is provided for communicating with a computing device. The transaction card may comprise a computer interface device, at least one memory, at least one processor, and a card reader module. The card reader module configured to receive, from the computing device through the computer interface device, a first data packet comprising a request associated with a transaction, the first data packet being compatible with an interface protocol. The card reader module may process the first data packet to generate a second data packet compatible with the payment authentication protocol; provide the second data packet to the processor; receive, from the processor, a third data packet comprising a response to the request; process the third data packet to generate a fourth data packet based on the response, the fourth data packet compatible with the interface protocol; and transmit, to the computer interface device, the fourth data packet.
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公开(公告)号：US20210035082A1
公开(公告)日：2021-02-04
申请号：US16528991
申请日：2019-08-01
发明人： Timur Sherif , Matthew Kloster , Tao Lin , Kevin Osborn
摘要： A transaction card is provided for communicating with a computing device. The transaction card may comprise a computer interface device, at least one memory, at least one processor, and a card reader module. The card reader module configured to receive, from the computing device through the computer interface device, a first data packet comprising a request associated with a transaction, the first data packet being compatible with an interface protocol. The card reader module may process the first data packet to generate a second data packet compatible with the payment authentication protocol; provide the second data packet to the processor; receive, from the processor, a third data packet comprising a response to the request; process the third data packet to generate a fourth data packet based on the response, the fourth data packet compatible with the interface protocol; and transmit, to the computer interface device, the fourth data packet.
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