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    Instant digital issuance
    1.
    发明授权
    Instant digital issuance 有权

    公开(公告)号：US12223476B2

    公开(公告)日：2025-02-11

    申请号：US18536954

    申请日：2023-12-12

    Applicant: First Data Corporation

    Inventor： Vijay Royyuru ,  Sridher Swaminathan

    IPC: G06Q20/10 ,  G06Q20/02 ,  G06Q20/36

    Abstract: Described herein are techniques for facilitating push provisioning of a user payment source into a user's digital wallet without the user having a physical card. The techniques allow an issuer to provide a button in an issuer's application for the user to simply push the button to request that the payment source be imported into a pay wallet or a merchant. In this way, the payment source information is “pushed” into the pay wallet. Using push provisioning, the user need not enter any physical card information. The described techniques generate a chain of trust that can be used to ensure that a user, through an issuer and using a gateway, authorizes a token service provider to provision the payment source into the pay wallet or merchant.

    Marketing messages in mobile commerce
    2.
    发明授权
    Marketing messages in mobile commerce 有权

    公开(公告)号：US12093911B2

    公开(公告)日：2024-09-17

    申请号：US16829592

    申请日：2020-03-25

    Applicant: First Data Corporation

    Inventor： Steven E. Arthur ,  Christopher L. Toomer ,  Sarah Owen ,  Theodore VanDeburg

    IPC: G06Q20/20 ,  G06Q20/22 ,  G06Q20/32 ,  G06Q30/02 ,  G07F17/16

    CPC classification number: G06Q20/20 ,  G06Q20/227 ,  G06Q20/322 ,  G06Q20/3255 ,  G06Q20/326 ,  G06Q20/3278 ,  G06Q30/02 ,  G07F17/16

    Abstract: A computer-implemented method of conducting wireless transaction includes receiving, using an antenna of a point of sale device, one or more electromagnetic signals from a mobile device of a customer. The electromagnetic signals are interpreted using a communications module of the point of sale device to determine information related to a financial account of the customer. Using a network interface of the point of sale device, a connection with an acquirer system is initiated. Using the network interface a packet of data including an authorization request is transmitted over the connection to the acquirer system. The packet of data includes the information related to the financial account, a merchant identifier, a date, and a transaction amount. An authorization code is received from the acquirer system using the network interface. An electronic receipt is transmitted to the mobile device using the network interface.

    Source independent consistent tokenization
    4.
    发明授权
    Source independent consistent tokenization 有权

    公开(公告)号：US11748744B2

    公开(公告)日：2023-09-05

    申请号：US16837718

    申请日：2020-04-01

    Applicant: First Data Corporation

    Inventor： Vijay Royyuru ,  Renee Goodheart ,  Lanny Byers ,  Timothy Horton ,  Kathryn Whalen ,  Lixia Zhu

    IPC: G06Q20/36 ,  G06Q20/38

    CPC classification number: G06Q20/3674 ,  G06Q20/3672 ,  G06Q20/388

    Abstract: A gateway encryption service is used to ensure consistent, source independent tokenization for payment accounts and synchronizing payment account information with merchants. A consistent, evergreen merchant-facing token is generated and used for each payment account for the merchant, ensuring that regardless of the payment method used by the customer (e.g., plastic card point-of-sale, pay wallet, saved card information) for the same underlying account, the merchant has a single token. Further, if the account number for the underlying payment account changes (e.g., the card expires or is stolen) the merchant-facing token remains consistent. The evergreen token ensures that the system functions more efficiently, saving resources in processing and storage and ensuring less network traffic for failed transactions. The system further implements encryption and security despite the consistent tokenization, further saving resources.

    SYSTEMS AND METHODS FOR A FEDERATED DIRECTORY SERVICE
    5.
    发明申请
    SYSTEMS AND METHODS FOR A FEDERATED DIRECTORY SERVICE 有权

    公开(公告)号：US20220067036A1

    公开(公告)日：2022-03-03

    申请号：US17525770

    申请日：2021-11-12

    Applicant: First Data Corporation

    Inventor： Vijay K. Royyuru ,  Lanny Byers ,  Cindy White ,  Charles R. Williams

    IPC: G06F16/23 ,  G06F16/25 ,  G06F16/27

    Abstract: Systems and methods are provided for a decentralized distributed ledger that hosts a directory service for customer aliases to facilitate obtaining customer account details. Aspects of the present disclosure may include receiving a request to execute a transaction, wherein the request includes identification information associated with a particular user, transmitting a communication to the database of the existing distributed ledger, wherein the second communication includes a request for an identity of a contributing entity that previously contributed user data associated with the particular user to the database, and wherein the request for the identity of the contributing entity includes an alias associated with the particular user, receiving the identity of the contributing entity, executing a request for account information for the particular user from the contributing entity, wherein the request for account information is transmitted to the contributing entity, receiving account information associated with the particular user, and executing the transaction using the account information.

    Messaging system, method, and manufacture
    7.
    发明授权
    Messaging system, method, and manufacture 有权

    公开(公告)号：US11093998B2

    公开(公告)日：2021-08-17

    申请号：US16806645

    申请日：2020-03-02

    Applicant: First Data Corporation

    Inventor： Clarence Williams

    IPC: G06Q30/00 ,  G06Q30/06 ,  H04W4/14 ,  H04L12/58

    Abstract: A method for facilitating mobile ordering includes associating a merchant handle with a merchant. A user account including a handle is created for a user within an ordering system. A product order, having order details, is received. The product order is stored and is associated with an order code such that the order details are retrievable based on reception of the order code. An enrollment message is provided to the handle. A message including the order code is received from the handle directed to the merchant handle. The handle is associated with the merchant handle and the order code to identify the product order, the merchant, and the user. An order confirmation message is including order details is provided to the handle. A user confirmation message is received from the handle. The product order is communicated to the merchant and an order status message to the handle.

    Drive shaft for reusable paper core
    9.
    发明授权
    Drive shaft for reusable paper core 有权

    公开(公告)号：US11008193B2

    公开(公告)日：2021-05-18

    申请号：US16842365

    申请日：2020-04-07

    Applicant: First Data Corporation

    Inventor： Bradley Rodgers ,  Ron Weedin

    IPC: B65H75/18 ,  B41M3/00 ,  B65H75/10

    Abstract: A driveshaft for a reusable paper core includes a shaft body having a proximal end, a distal end, and a medial portion extending between the proximal end and the distal end. An outer periphery of the medial portion has a non-circular cross-sectional shape. The driveshaft includes one or more receptacles provided in an outer surface of the medial portion of the shaft body, a first bearing coupled with the distal end, a second bearing coupled with the proximal end, and one or more gear keys coupled with the proximal end. The one or more gear keys may be configured to transfer force from a rotating machine element to the driveshaft.

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