Patent application number | Description | Published |
20080319794 | HEALTH INFORMATION SERVICES USING PHONE - A method for storage and access to patient information over a payment processing network is disclosed. One embodiment of the invention includes receiving an authentication response message indicating that a requester is authorized to receive medical information, collecting medical information from various medical institutions via a payment processing network, storing the collected medical information at a central location, and providing specific medical information to the requester from the stored collected medical information. | 12-25-2008 |
20120011067 | GATEWAY ABSTRACTION LAYER - Systems, gateway computers, and methods for using a gateway abstraction layer and application platform interfaces for conducting service transactions are disclosed. A gateway abstraction layer computers can receive service requests in multiple message formats or communication protocols, transform those service requests into other message formats to process the service using one or more networks or third-party service providers. The results of the service request can then be translated back to the message format in which the original service request was received. The gateway abstraction layer can be maintained using update messages received from service providers. | 01-12-2012 |
20120041881 | SECURING EXTERNAL SYSTEMS WITH ACCOUNT TOKEN SUBSTITUTION - Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions. | 02-16-2012 |
20120059742 | SYSTEM AND METHOD FOR CUSTOM SERVICE MARKETS - Methods and systems for providing custom services are disclosed. A developer interface provides standards, such as an application platform interface, for developers to use to make and test applications and services. A user interface can access downloadable or hosted services or applications to multiple users, such as, merchants, banks and networks. The system can then provide custom individual or packages of services to users based on the services requested by the user and charge the user for them on a subscription or per-use basis. | 03-08-2012 |
20120158589 | Social Media Payment Platform Apparatuses, Methods and Systems - The SOCIAL MEDIA PAYMENT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“SocialPay”) transform message posts to social networks via SocialPay components into payment transaction receipts social merchant-consumer bridging offers. In one implementation, the SocialPay obtains a user social pay initiation trigger, and obtains user social data from a social networking site. The SocialPay identifies a social pay command within the user social data. In one implementation, the SocialPay, in identifying the social pay command within the user social data, parses the user social data, and extracts a social pay command string within the user social data. The SocialPay determines a payor identifier, a payee identifier, and a payment amount using the social pay command string. Based on the identified social pay command, the SocialPay initiates a funds payment transaction. | 06-21-2012 |
20120233073 | Universal Value Exchange Apparatuses, Methods and Systems - The UNIVERSAL VALUE EXCHANGE APPARATUSES, METHODS AND SYSTEMS (“UVE”) transform cross-ecosystem currency exchange instructions via UVE components into cross-ecosystem currency exchanges. In one embodiment, the UVE may obtain a cross-ecosystem currency exchange instruction and determine one or more sources and destinations based on parsing the cross-ecosystem currency exchange instruction. The UVE may identify currency types associated with the sources and the destinations and determine exchange rates of the currency types relative to a standard currency. In one implementation, the UVE may obtain currency exchange restrictions and conditions associated with the sources and the destinations and generate a currency exchange flow path for currency transfer from the sources to the destinations. The UVE may also issue currency transfer requests to the sources and the destinations, determine that the cross-ecosystem currency exchange has been completed and provide a notification of completion of the cross-ecosystem currency exchange. | 09-13-2012 |
20120271712 | IN-PERSON ONE-TAP PURCHASING APPARATUSES, METHODS AND SYSTEMS - Methods, systems, and devices are disclosed for transforming product code snapshots into real-time, offer-driven electronic purchase transaction notifications that minimize fraud. In one embodiment, a smart phone scans a product identifier from a product package, a server accesses a products database for product purchase offers associated with the product identifier, a user authorizes a credit card from his or her wallet to charge, and then product purchase offers or other credit card offers (for loyalty points or otherwise) are provided to the user mobile device. After a user has purchased an item while in the aisle of the store, the user's smart phone displays a barcoded electronic receipt that can be scanned by the exit so that the consumer can walk out with the produce. In some embodiments, a video chat is requested by a customer service representative and a transaction risk score is lowered based on acceptance of the video chat. | 10-25-2012 |
20130024364 | CONSUMER TRANSACTION LEASH CONTROL APPARATUSES, METHODS AND SYSTEMS - The Consumer Transaction Leash Control Apparatuses, Methods And Systems (“C-LEASH”) transform touchscreen inputs into a virtual wallet mobile application interface including payment control parameters configuration via C-LEASH components into transaction receipts/alerts. In one implementation, the C-LEASH provides, a transaction payment control processor-implemented method, comprising: obtaining, from a user device, payment control parameters via a user interface; storing the payment control parameters with an account; receiving a transaction payment request including payment account information and purchase information; retrieving the stored payment control parameters based on the payment account information; determining when the purchase information of the transaction payment request violates one or more of the stored payment control parameters; and suspending the transaction payment request and sending an alert message to the user device. | 01-24-2013 |
20130339250 | Gateway Abstraction Layer - Systems, gateway computers, and methods for using a gateway abstraction layer and application platform interfaces for conducting service transactions are disclosed. A gateway abstraction layer computers can receive service requests in multiple message formats or communication protocols, transform those service requests into other message formats to process the service using one or more networks or third-party service providers. The results of the service request can then be translated back to the message format in which the original service request was received. The gateway abstraction layer can be maintained using update messages received from service providers. | 12-19-2013 |
20140249958 | SYSTEM AND METHOD FOR CUSTOM SERVICE MARKETS - Methods and systems for providing custom services are disclosed. A developer interface provides standards, such as an application platform interface, for developers to use to make and test applications and services. A user interface can access downloadable or hosted services or applications to multiple users, such as, merchants, banks and networks. The system can then provide custom individual or packages of services to users based on the services requested by the user and charge the user for them on a subscription or per-use basis. | 09-04-2014 |
20140337175 | Universal Electronic Payment Apparatuses, Methods and Systems - The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant. | 11-13-2014 |
20150039462 | E-Wallet Store Injection Search Apparatuses, Methods and Systems - The E-WALLET STORE INJECTION SEARCH APPARATUSES, METHODS AND SYSTEMS (“SIS”) transform aggregated automated shopping lists and user location data using SIS components into automated shopping item availability messages and merchant location navigation responses. In some implementations, the disclosure provides a processor-implemented method of providing an automated store injection search service. | 02-05-2015 |