Patent application number | Description | Published |
20100114760 | ONLINE INTERACTIVE ISSUED ACCOUNT ACQUIRED TRANSACTION INFORMATION MANAGEMENT - A single point of access and an integrated user experience for a set of tools are provided for a payment processing system that includes a transaction handler in communication with issuers and acquirers for the processing of payments from the issuers to the acquirers. The tools include: (i) commercial reporting; (ii) expense management; and (iii) account program management tools that are used by (a) issuers who issue the accounts for the cards to account holders and by (b) the account holders. Multiples services are integrated as relevant to specific audiences through an entitlement process, where a single point access is allowed. Applications, which can be developed and/or hosted independently, are accessible through a common interface. | 05-06-2010 |
20110251950 | RESTRICTED USE CURRENCY - A first method comprises receiving at a computer apparatus an authorization request message comprising a first merchant identifier. The request message may also comprise an account identifier associated with an account and a first transaction amount for a first transaction conducted with a first merchant. The first method further comprises determining, by the computer apparatus, if an account comprises merchant specific currency associated with the first merchant that may be used to conduct the first transaction. It may then be determined if there is sufficient merchant specific currency associated with the first merchant in the account to pay for the first transaction amount. If there is insufficient merchant specific currency associated with the first merchant to pay for the first transaction amount, then non-specific currency in the account is applied automatically to a remainder of the first transaction amount. | 10-13-2011 |
20110258075 | Camera as a Vehicle to Identify a Merchant Access Device - Systems and methods of conducting a payment transaction using a mobile phone having a camera. The systems and methods receive an image of a merchant access device and optionally location data from a mobile device of a user engaged in the transaction. The systems and methods also receive transaction information associated with the transaction and account information associated with an account of the user. The systems and methods use the information to authorize or decline the transaction. | 10-20-2011 |
20110258118 | Authentication Process Using Search Technology - Systems and methods are presented for improved authentication and risk analysis processes using search engine technology. In one potential implementation, an authorization request message is received at a payment processing network as part of a transaction between a user and a merchant. The payment processing network analyzes risk based on a search history associated with the user involved in the transaction with the merchant. A response to the authentication request is made based in part on the risk associated with the user search history. In further embodiments, a user registers with a search engine as part of a service for improved authentication, where the user accepts privacy settings allowing storage of search and transaction data by a search engine server. The search engine server passes search and transaction data to a risk analysis server for creation of risk parameters which may be used to authenticate transactions. | 10-20-2011 |
20110282748 | APPARATUSES, METHODS AND SYSTEMS FOR USING A PERSONALIZED DATA REPOSITORY - The APPARATUS, METHODS AND SYSTEMS FOR USING A PERSONALIZED DATA REPOSITORY (“PDR”) transform merchant promotional offer inputs and individual user or consumer transaction inputs into targeted promotional offer outputs, which are distributed to individual user or consumers. In one embodiment the method includes a personalized data repository processor-implemented method that includes receiving, over a communications network, communication messages associated with a user's mobile communication device, whereby the communication messages associated with the user's mobile communication device are aggregated and packaged, upon authorization, from the mobile communication device. Merchant promotional offer information corresponding to promotional goods information or promotional services information is received over the communications network. The received user's sale transaction information is then correlated with the received promotional offer information for determining one or more targeted promotional offers based on the promotional goods or promotional services information and the purchased goods or purchased services information. The one or more targeted promotional offers are sent over the communications network to a mobile communication device of the user. | 11-17-2011 |
20120191525 | Systems and Methods to Facilitate Loyalty Reward Transactions - A communications system for financial transactions, such as payment transactions made via credit accounts, debit accounts, prepaid accounts, bank accounts, stored value accounts and the like, is enhanced and/or used to support reward transactions. Thus, the reward communications can be processed as transactions over the communications system in a way similar to and/or together with credit/debit transactions. | 07-26-2012 |
20130117184 | Camera as a Vehicle to Identify a Merchant Access Device - Systems and methods of conducting a payment transaction using a mobile phone having a camera. The systems and methods receive an image of a merchant access device and optionally location data from a mobile device of a user engaged in the transaction. The systems and methods also receive transaction information associated with the transaction and account information associated with an account of the user. The systems and methods use the information to authorize or decline the transaction. | 05-09-2013 |
20130332361 | SYSTEMS AND METHODS TO PROVIDE PRIVACY PROTECTION FOR ACTIVITIES RELATED TO TRANSACTIONS - A computing apparatus includes: a portal configured to present a privacy control panel to receive input from a user to create a privacy policy; a data warehouse configured to store the privacy policy in connection with account information of the user; and a transaction handler configured to provide a privacy indicator, in accordance with the privacy policy stored in the data warehouse, in an authorization response for a transaction made using the account information of the user. | 12-12-2013 |
20130332362 | SYSTEMS AND METHODS TO CUSTOMIZE PRIVACY PREFERENCES - A computing apparatus includes: a data warehouse storing first data representing a personal privacy policy of a user; a portal configured to communicate with a remote system storing second data representing a site privacy policy of an entity with whom the user interacts; and a rule engine coupled with the data warehouse and the portal to identify a policy customization to bridge a gap between the personal privacy policy of the user and the site privacy policy of the entity. | 12-12-2013 |
20140040134 | SYSTEMS AND METHODS TO PROTECT USER PRIVACY - A computing apparatus includes: a data warehouse storing first data representing a personal privacy policy of a user; a portal coupled between merchant systems and points of interaction of users; and a transaction handler coupled between acquirer processors and issuer processors. The portal and the transaction handler are configured to shield user data, such as address, account information, etc., from the merchant systems in accordance with the personal privacy policy of the user. | 02-06-2014 |
20140058949 | AUTHENTICATION PROCESS USING SEARCH TECHNOLOGY - Systems and methods are presented for improved authentication and risk analysis processes using search engine technology. In one potential implementation, an authorization request message is received at a payment processing network as part of a transaction between a user and a merchant. The payment processing network analyzes risk based on a search history associated with the user involved in the transaction with the merchant. A response to the authentication request is made based in part on the risk associated with the user search history. In further embodiments, a user registers with a search engine as part of a service for improved authentication, where the user accepts privacy settings allowing storage of search and transaction data by a search engine server. The search engine server passes search and transaction data to a risk analysis server for creation of risk parameters which may be used to authenticate transactions. | 02-27-2014 |
20140236827 | RESTRICTED USE CURRENCY - A first method comprises receiving at a computer apparatus an authorization request message comprising a first merchant identifier. The request message may also comprise an account identifier associated with an account and a first transaction amount for a first transaction conducted with a first merchant. The first method further comprises determining, by the computer apparatus, if an account comprises merchant specific currency associated with the first merchant that may be used to conduct the first transaction. It may then be determined if there is sufficient merchant specific currency associated with the first merchant in the account to pay for the first transaction amount. If there is insufficient merchant specific currency associated with the first merchant to pay for the first transaction amount, then non-specific currency in the account is applied automatically to a remainder of the first transaction amount. | 08-21-2014 |
20140258124 | AUTHENTICATION PROCESS USING SEARCH TECHNOLOGY - Systems and methods are presented for improved authentication and risk analysis processes using search engine technology. In one potential implementation, an authorization request message is received at a payment processing network as part of a transaction between a user and a merchant. The payment processing network analyzes risk based on a search history associated with the user involved in the transaction with the merchant. A response to the authentication request is made based in part on the risk associated with the user search history. In further embodiments, a user registers with a search engine as part of a service for improved authentication, where the user accepts privacy settings allowing storage of search and transaction data by a search engine server. The search engine server passes search and transaction data to a risk analysis server for creation of risk parameters which may be used to authenticate transactions. | 09-11-2014 |
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 |