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    SYSTEMS AND METHODS FOR OPTIMIZED ROUTING OF ELECTRONIC TRANSACTIONS ACROSS MULTIPLE ACQUIRER PROCESSORS
    81.
    发明公开
    SYSTEMS AND METHODS FOR OPTIMIZED ROUTING OF ELECTRONIC TRANSACTIONS ACROSS MULTIPLE ACQUIRER PROCESSORS 审中-公开

    公开(公告)号：US20230351376A1

    公开(公告)日：2023-11-02

    申请号：US18343943

    申请日：2023-06-29

    Applicant: Worldpay, LLC

    Inventor： Dennis KETTLER ,  Ryan CLAPP

    IPC: G06Q20/38 ,  G06Q20/06 ,  G06Q20/40 ,  G06Q20/26 ,  G06Q20/08

    CPC classification number: G06Q20/3825 ,  G06Q20/06 ,  G06Q20/40 ,  G06Q20/26 ,  G06Q20/085

    Abstract: A method for routing electronic payment transactions may include receiving transaction-related information from a merchant, extracting transaction routing criteria from the received transaction-related information, identifying one or more eligible payment networks and one or more eligible acquirer processors based on extracted transaction routing criteria, predicting a likelihood of authorization acceptance for each combination of identified acquirer processor and identified network, identifying one or more breakeven transaction amounts for each combination of identified eligible acquirer processor and identified eligible payment network, and routing signature debit transactions from the merchant to a least cost combination of acquirer processor and PIN-less debit network selected from the eligible payment networks based on identification of a desired breakeven transaction amount for the PIN-less debit network.

    SYSTEMS AND METHODS EMPLOYING A ROUTER FOR ELECTRONIC TRANSACTIONS
    82.
    发明公开
    SYSTEMS AND METHODS EMPLOYING A ROUTER FOR ELECTRONIC TRANSACTIONS 审中-公开

    公开(公告)号：US20230351363A1

    公开(公告)日：2023-11-02

    申请号：US18144346

    申请日：2023-05-08

    Applicant: PayPal, Inc.

    Inventor： Frank Anthony Nuzzi

    IPC: G06Q20/32 ,  H04W88/08 ,  G06Q20/40 ,  G06Q20/10 ,  H04W88/00 ,  G06Q40/02 ,  G06Q20/02

    CPC classification number: G06Q20/325 ,  H04W88/08 ,  G06Q20/3224 ,  G06Q20/40 ,  G06Q20/10 ,  H04W88/00 ,  G06Q40/02 ,  G06Q20/027

    Abstract: A system, including: a non-transitory memory; and one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations including: receiving a transaction request from an endpoint device on a network, wherein the endpoint device is registered with a transaction service provider; locating, based on the transaction request, an authorization token corresponding to a payment mechanism, wherein the authorization token is stored to a memory device of the router; in response to receiving the transaction request, transmitting the authorization token to the transaction service provider to retrieve transaction information from the transaction service provider, wherein the transaction information includes payment data for a user of the endpoint device; and transmitting the transaction information to the upstream network location, wherein the upstream network location includes a merchant server.

    MOBILE WALLET ACCOUNT PROVISIONING SYSTEMS AND METHODS
    85.
    发明公开
    MOBILE WALLET ACCOUNT PROVISIONING SYSTEMS AND METHODS 审中-公开

    公开(公告)号：US20230306420A1

    公开(公告)日：2023-09-28

    申请号：US18197614

    申请日：2023-05-15

    Applicant: Wells Fargo Bank, N.A.

    Inventor： Ashish Bhoopen Kurani ,  Nikolai Stroke ,  Bipin Sahni ,  Stephen M. Ellis

    IPC: G06Q20/38 ,  G06Q20/36 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/40

    CPC classification number: G06Q20/385 ,  G06Q20/10 ,  G06Q20/322 ,  G06Q20/3223 ,  G06Q20/36 ,  G06Q20/40

    Abstract: A method includes receiving an indication from a user that a physical payment card is lost or stolen, and an indication to perform a mobile wallet transaction. The method includes accessing a database to retrieve a list of accounts held by the user, and prior to presenting a list of available source accounts, determining that a previously-provisioned source account is no longer available as a source of funds, where the list includes at least one new account that has not been previously provisioned. The method further includes generating a screen display to present to the user, the display showing the list of accounts held by the user at a financial institution. The method includes presenting the list of available source accounts to the user, receiving a user selection of the at least one new account, and transferring funds from the at least one new account to a recipient.

    SECURE PROCESSING OF ELECTRONIC PAYMENTS
    88.
    发明公开
    SECURE PROCESSING OF ELECTRONIC PAYMENTS 审中-公开

    公开(公告)号：US20230289793A1

    公开(公告)日：2023-09-14

    申请号：US18199809

    申请日：2023-05-19

    Applicant: ROYAL BANK OF CANADA

    Inventor： Edison U. ORTIZ ,  Terry W. LEE ,  Gabriel Y. WOO ,  Stephen James SCOTT ,  Weiqiang YIN ,  Judy DINN ,  Chai LAM

    IPC: G06Q20/40 ,  G06Q20/12 ,  G06Q20/02

    CPC classification number: G06Q20/40 ,  G06Q20/12 ,  G06Q20/023

    Abstract: Systems, methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems include trusted platforms by which networked communication devices and merchant systems may be registered as trusted entities. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets, or in the form of secure payment tokens. Common application programming interfaces executed by devices may facilitate push and pull processes between electronic wallets and other secure data stores. Users may thereby initiate and complete electronic transactions directly from within applications on trusted devices.

    System and Method for Authorizing Temporary Use of Accounts
    89.
    发明公开
    System and Method for Authorizing Temporary Use of Accounts 审中-公开

    公开(公告)号：US20230289792A1

    公开(公告)日：2023-09-14

    申请号：US17583490

    申请日：2022-01-25

    Applicant: The Toronto-Dominion Bank

    Inventor： Dinshaw BHARUCHA ,  Maja BUKOROVIC ,  Lydia Grace CERVINI

    IPC: G06Q20/40 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/42

    CPC classification number: G06Q20/40 ,  G06Q20/326 ,  G06Q20/3278 ,  G06Q20/354 ,  G06Q20/42

    Abstract: A system and method are provided for authorizing temporary use of accounts. The method is executed by a system and includes detecting that an account holder has selected a payment card to be shared with a recipient, the payment card being associated with an account. The method also includes determining a spending limit for the payment card by the recipient that has been set by the account holder and generating a pending transaction for the payment card with an amount corresponding to the spending limit and against which purchases made by the recipient are deducted. The method also includes providing the recipient with an electronic mechanism to add a temporary payment card to an application on a mobile device associated with the recipient, the temporary payment card being linked to the account to have purchases made using the temporary payment card be applied to that account. The method also includes detecting a purchase made by the recipient using the temporary payment card and modifying the pending transaction details based on the detected purchase.

    SYSTEMS AND METHODS FOR COMPLETING TRANSACTIONS VIA LOCKABLE BOXES
    90.
    发明公开
    SYSTEMS AND METHODS FOR COMPLETING TRANSACTIONS VIA LOCKABLE BOXES 审中-公开

    公开(公告)号：US20230289756A1

    公开(公告)日：2023-09-14

    申请号：US18195874

    申请日：2023-05-10

    Applicant: Wells Fargo Bank, N.A.

    Inventor： Darren M. Goetz ,  Miranda C. Hill ,  Dennis E. Montenegro ,  Alicia Y. Moore ,  Susan Symons ,  Timothy R. Ward

    IPC: G06Q20/10 ,  G07F19/00 ,  G06Q20/40 ,  G06Q20/38

    CPC classification number: G06Q20/108 ,  G06Q20/381 ,  G06Q20/40 ,  G07F19/00 ,  G06F3/0482

    Abstract: A method includes receiving a lockbox transaction order associated with an account of the provider from a first user device where the lockbox transaction order includes a requested transaction and a desired transaction location, validating whether the requested transaction can be completed at the desired transaction location, determining a physical lockbox associated with the provider from a plurality of physical lockboxes at an alternative lockbox transaction location based on determining that the lockbox transaction order cannot be completed at the desired transaction location, transmitting an indication to a user device indicating that the requested transaction can be completed at the alternative lockbox transaction location, preparing the physical lockbox for the requested transaction, and authenticating a user at the physical lockbox where authenticating the user at the physical lockbox enables the physical lockbox to unlock and become accessible by the user.

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