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公开(公告)号：US11669820B2
公开(公告)日：2023-06-06
申请号：US17144599
申请日：2021-01-08
发明人： David Samuel Tax , Milos Dunjic , Derek Richard Castell , Anthony Haituyen Nguyen , Bryan Michael Gleeson , Jeffrey Aaron Ecker
CPC分类号： G06Q20/204 , G06Q20/325 , G06Q20/3276 , G06Q20/405
摘要： A method may include: causing a point-of-sale terminal processing a transaction to display a machine-readable code, the machine-readable code encoding a web address; receiving a request from a device that scanned the machine-readable code, the request received at the web address; in response to receiving the request, causing the device that scanned the machine-readable code to output an interface; receiving, through the interface, an input of an indication to separate the transaction into multiple transaction parts and one or more parameters indicating how the transaction is to be separated; and sending, to the point-of-sale terminal, a message that configures the point-of-sale terminal to separate the transaction in accordance with the one or more parameters.
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公开(公告)号：US10922673B2
公开(公告)日：2021-02-16
申请号：US15892844
申请日：2018-02-09
发明人： Dino D'Agostino , Perry Aaron Jones Haldenby , Dean C. N. Tseretopoulos , Jeffrey Aaron Ecker , Adam Douglas McPhee , Milos Dunjic , John Jong-Suk Lee , Arun Victor Jagga
摘要： The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, authorize initiated exchanges of data based on tokenized data characterized by a limited temporal or geographic validity. For example, an apparatus may receive a first signal that includes first information identifying a first geographic position of a client device. The apparatus may also obtain a digital token representative of a pre-authorization of a data exchange between the client device and a terminal device during a corresponding temporal interval. The terminal device may, for example, be disposed within a geographic region that includes the first geographic position of the client device. The apparatus may generate and transmit a second signal that includes the digital token to the client device. In some examples, the apparatus may transmit the second signal being through a programmatic interface associated with an application program executed by the client device.
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3.发明申请公开(公告)号：US20200250639A1
公开(公告)日：2020-08-06
申请号：US16854446
申请日：2020-04-21
发明人： Robert HAYHOW , Giovanna Borsella , Milos Dunjic , Jeffrey Aaron Ecker , Bryan Michael Gleeson , Arthur Carroll Chow , Anthony Haituyen Nguyen , John Jong-Suk Lee , Rakesh Thomas Jethwa
摘要： A computer server includes a processor that is configured to receive an incoming authorization request that includes an original numeric value and an identification number, and locate a profile that is associated with the identification number. The located profile includes at least one adjustment criterion. The processor is configured to determine a primary numeric value and a secondary numeric value from the original numeric value and the adjustment criterion, confirm that the secondary numeric value is not greater than a balance value in a loyalty points account associated with the identification number, and reduce the balance value in the loyalty points account by the secondary numeric value. The processor is configured to, after confirming the secondary numeric value, generate a revised authorization request and transmit the revised authorization request to an authorization server. The revised authorization request includes the identification number and the primary numeric value.
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公开(公告)号：US10671984B2
公开(公告)日：2020-06-02
申请号：US15699945
申请日：2017-09-08
发明人： Robert Hayhow , Giovanna Borsella , Milos Dunjic , Jeffrey Aaron Ecker , Bryan Michael Gleeson , Arthur Carroll Chow , Anthony Haituyen Nguyen , John Jong-Suk Lee , Rakesh Thomas Jethwa
摘要： A computer server includes a transaction processor that is configured to receive from a POS terminal an incoming authorization request that includes an original numeric value, a token cryptogram and an identification number identifying an identity token; confirm that the token cryptogram was generated from the original numeric value and a cryptographic key associated with the token; determine primary and secondary numeric values from the original numeric value and a user profile associated with the identification number; confirm that the secondary numeric value is not greater than the balance in a loyalty points account associated with the identification number; transmit to an authorization server a revised authorization request that includes the identification number and the primary numeric value; and receive from the authorization server a confirmation message confirming that the primary numeric value is not greater than the balance in a payment account associated with the identification number.
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公开(公告)号：US20190114305A1
公开(公告)日：2019-04-18
申请号：US15725644
申请日：2017-10-05
发明人： Jeffrey Aaron Ecker , Bryan Michael Gleeson , Adam Douglas McPhee , Matta Wakim , Kyryll Odobetskiy , John John-Suk Lee , Rakesh Thomas Jethwa
IPC分类号： G06F16/953 , G06F16/11
摘要： A data set integration system receives a data set that includes a user identifier and a message type code. The integration system selects a terminal profile from a profile database. The selected terminal profile is associated with the user identifier and includes a tracking identifier. The integration system locates the tracking identifier in the selected terminal profile. The integration system selects an object profile from a data repository. The selected object profile is associated with the located tracking identifier and includes the located tracking identifier and an associated counter. The integration system updates the counter in the selected object profile in accordance with a value of the message type code.
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公开(公告)号：US20230252464A1
公开(公告)日：2023-08-10
申请号：US18135662
申请日：2023-04-17
CPC分类号： G06Q20/3829 , G06Q20/20 , G06Q20/40 , G06Q20/326 , G06Q20/401 , G06Q2220/00
摘要： An on-boarding server is configured to receive a data set and a manufacturer identifier from a communications device, validate an identity of an entity from the data set, and locate a first terminal cryptographic key associated with the manufacturer identifier in a terminal database. The on-boarding server is configured to confirm, using the located first terminal cryptographic key, that the manufacturer identifier received from the communications device was signed with a second terminal cryptographic key. The located first terminal cryptographic key and the second terminal cryptographic key are an asymmetric cryptographic key pair. The on-boarding server is configured to determine an acquirer server from the data set, and authorize the entity to effect electronic payments by providing the communications device with a merchant identifier and transmitting the merchant identifier to the acquirer server.
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公开(公告)号：US11636472B2
公开(公告)日：2023-04-25
申请号：US16895570
申请日：2020-06-08
摘要： A terminal configuration server is configured to associate a terminal identifier with a cryptographic key set, and to provide a communications device with the terminal identifier and the cryptographic key set. The terminal configuration server is configured to receive the terminal identifier from the communications device via a communications network, and establish an encrypted tunnel with a terminal via the communications device and the cryptographic key set. The encrypted tunnel is encrypted end-to-end between the terminal configuration server and the terminal. The terminal configuration server is configured to receive a payload request from the terminal via the encrypted tunnel, locate a payload that is associated with the terminal identifier in the payload database, and download the located payload to the terminal via the encrypted tunnel.
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公开(公告)号：US11562354B2
公开(公告)日：2023-01-24
申请号：US16895495
申请日：2020-06-08
摘要： A terminal configuration server is configured to save a manufacturer identifier in a terminal database, in association with a merchant identifier. The manufacturer identifier identifies a terminal. The terminal configuration server is configured to transmit the merchant identifier to a communications device via a communications network, and to receive from the communications device via the communications network, a terminal identifier request that includes the manufacturer identifier and the merchant identifier. The terminal configuration server is configured to verify that the manufacturer identifier, included in the terminal identifier request, is associated with the merchant identifier in the terminal database, and to download a payload to the terminal via the communications device after verifying the manufacturer identifier.
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公开(公告)号：US11416857B2
公开(公告)日：2022-08-16
申请号：US16868906
申请日：2020-05-07
摘要： A terminal configuration apparatus is configured to receive a merchant identifier and a manufacturer identifier from a communications device, and to locate a first terminal cryptographic key that is associated with the manufacturer identifier in a terminal database. The terminal configuration apparatus is configured to confirm, using the located first terminal cryptographic key, that the merchant identifier was signed with a second terminal cryptographic key, and to download a payload to a terminal via the communications device. The located first terminal cryptographic key and the second terminal cryptographic key are an asymmetric cryptographic key pair.
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公开(公告)号：US10679212B2
公开(公告)日：2020-06-09
申请号：US14721755
申请日：2015-05-26
摘要： A method of remotely configuring a pin-pad terminal involves a computer server receiving a merchant identifier over a network from a communications device associated with the pin-pad terminal. The computer server confirms from the merchant identifier that an entity associated with the communications device is authorized to use the pin-pad terminal, and authenticates the pin-pad terminal from a cryptographically-signed datum received from the communications device. The computer server then transmits to the pin-pad terminal via the communications device a configuration payload for installation in the pin-pad terminal. The configuration payload includes at least a payment symmetric cryptographic key set uniquely associated with the pin-pad terminal. The payment symmetric key set configures the pin-pad terminal to effect secure electronic payment via the communications device.
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