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| Total System Services, Inc. Patent applications | ||
| Patent application number | Title | Published |
|---|---|---|
| 20100058068 | Secure PIN Character Retrieval and Setting - Disclosing a secure personal identification number (“PIN”) associated with a financial account to an account holder. A PIN reveal application can interact with a hardware security module (“HSM”) to decrypt and disclose the PIN to the account holder one or more PIN character(s) at a time. The account holder also can set a new PIN in a secure manner. A PIN set application can interact with the HSM to encrypt PIN characters received by the PIN set application from the account holder. The HSM provides a secure platform to encrypt and decrypt the secure PIN. | 03-04-2010 |
| 20090298427 | System And Method For Processing Transactions Without Providing Account Information To A Payee - Processing financial transactions. without providing information associated with a financial account of a purchaser to the payee of the transaction. A financial institution (card issuer) holding the account can provide a financial account, such as a credit or debit card account to the purchaser (card holder). The card holder can set up a payment option corresponding to this account at a mobile gateway computing system. Instead of presenting the card to a merchant, the card holder can access a payment application executing on a mobile device to select the payment option and extract transaction information from a merchant point of sale. This transaction information can be transmitted to the mobile gateway computing system along with payment option information. The mobile gateway computing system can add account information for the payment option and send the information to the card issuer for approval. | 12-03-2009 |
| 20090216638 | System and method for providing consumer directed payment card - Providing a consumer directed payment card (“CDPC”). Parameters for the CDPC are established in advance of the processing of a transaction to define how transactions are to be processed. The parameters are based on attributes of the transaction, such as transaction value, fund availability, credit availability, merchant type, merchant location, and date. The transaction processes include debit, credit, stored value, installment loan, and other deferred-payment transaction types. Parameters are stored and accessed during a transaction. The appropriate transaction process is determined based on the parameters, and the transaction is processed. A processing platform can be logically connected to a network, banking entity, credit line entity, and a network. The processing platform includes a decision engine, which is logically connected to a decision engine database. The decision engine compares the transaction data to the parameters, and communicates the appropriate transaction process to the processing platform for processing. | 08-27-2009 |