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    Systems and methods for distributed enhanced payment processing
    1.
    发明授权
    Systems and methods for distributed enhanced payment processing 有权

    公开(公告)号：US11328296B2

    公开(公告)日：2022-05-10

    申请号：US16419932

    申请日：2019-05-22

    申请人： Worldpay, LLC

    发明人： Matthew D. Ozvat ,  Michelle K. Plomske ,  Charles E. Watts ,  Robert Bonestell ,  Daniel J. Ourada ,  Kevin Oliver

    IPC分类号： G06Q20/38 ,  G06Q20/40 ,  G06Q20/20 ,  G06Q20/02

    摘要： A distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant ID via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a remote virtual electronic payment (VEP) entity system. Upon receiving a VEP entity system response, the payment management system outputs the response and token to the POS terminal system.

    Systems and methods for multi-merchant tokenization
    5.
    发明授权
    Systems and methods for multi-merchant tokenization 有权

    公开(公告)号：US11328293B2

    公开(公告)日：2022-05-10

    申请号：US16887638

    申请日：2020-05-29

    申请人： Worldpay, LLC

    发明人： Michelle K. Plomske ,  Charles E. Watts ,  Matthew D. Ozvat

    IPC分类号： G06Q20/38

    摘要： Systems and methods for multi-merchant tokenization may include receiving a transaction from a point of sale terminal of a merchant, validating the merchant ID against merchant logs, and generating a token for the transaction. The token includes a primary account number, expiration, and a group ID. Additionally, the system provides the primary account number to a payment system and receives a response back. The response is then output back to the merchant along with the token. In subsequent transactions, the system may receive the token from a one point of sale terminal of the merchant. The system validates the merchant ID against merchant logs and ensures the merchant is configured for tokenization. The token is decrypted and the group ID is compared to the merchant ID in the merchant logs. When they match, the primary account number is provided to the payment system for approval.

    Systems and methods for multi-merchant tokenization
    6.
    发明授权
    Systems and methods for multi-merchant tokenization 有权

    公开(公告)号：US10762500B2

    公开(公告)日：2020-09-01

    申请号：US16412042

    申请日：2019-05-14

    申请人： Worldpay, LLC

    发明人： Michelle K. Plomske ,  Charles E. Watts ,  Matthew D. Ozvat

    IPC分类号： G06Q20/38

    摘要： Systems and methods for multi-merchant tokenization may include receiving a transaction from a point of sale terminal of a merchant, validating the merchant ID against merchant logs, and generating a token for the transaction. The token includes a primary account number, expiration, and a group ID. Additionally, the system provides the primary account number to a payment system and receives a response back. The response is then output back to the merchant along with the token. In subsequent transactions, the system may receive the token from a one point of sale terminal of the merchant. The system validates the merchant ID against merchant logs and ensures the merchant is configured for tokenization. The token is decrypted and the group ID is compared to the merchant ID in the merchant logs. When they match, the primary account number is provided to the payment system for approval.

    Systems and methods for cost altering payment services
    7.
    发明授权
    Systems and methods for cost altering payment services 有权

    公开(公告)号：US12112332B2

    公开(公告)日：2024-10-08

    申请号：US17515224

    申请日：2021-10-29

    申请人： Worldpay, LLC

    发明人： Matthew D. Ozvat ,  John Berkley ,  Kevin Oliver ,  William T. Cooper ,  Charles E. Watts ,  Rachel B. Cochran

    IPC分类号： G06Q20/38 ,  G06Q20/20 ,  G06Q20/40

    CPC分类号： G06Q20/4016 ,  G06Q20/20

    摘要： Cost altering payment services (“CAPS”) system in association with a distributed enhanced payment (“DEP”) processing system includes a merchant point of sale (“POS”) terminal system and a remote enhanced payment management system (“EPMS”). The remote EPMS receives payment transactions including additional risk mitigating payment transaction (“RMPT”) information and based on that additional RMPT information provides altered transaction costs. The remote EPMS provides facilities for the merchant to review and revise payment management services so as to utilize additional RMPT information received from the merchant POS terminal system so as to alter transaction costs. Such facilities provide information to determine the relative potential transaction cost benefits of various payment management service sets utilizing cost profiles that represent the costs of archival, recorded and projected future transactions. The remote EPMS provides “transaction guidance” technology to be utilized by the merchant's POS terminal system to facilitate prompting for and acquiring additional RMPT information.

    Systems and methods for cost altering payment services
    9.
    发明授权
    Systems and methods for cost altering payment services 有权

    公开(公告)号：US11195182B2

    公开(公告)日：2021-12-07

    申请号：US16418581

    申请日：2019-05-21

    申请人： Worldpay, LLC

    发明人： Matthew D. Ozvat ,  John Berkley ,  Kevin Oliver ,  William T. Cooper ,  Charles E. Watts ,  Rachel B. Cochran

    IPC分类号： G06Q20/38 ,  G06Q20/40 ,  G06Q20/20

    摘要： Cost altering payment services (“CAPS”) system in association with a distributed enhanced payment (“DEP”) processing system includes a merchant point of sale (“POS”) terminal system and a remote enhanced payment management system (“EPMS”). The remote EPMS receives payment transactions including additional risk mitigating payment transaction (“RMPT”) information and based on that additional RMPT information provides altered transaction costs. The remote EPMS provides facilities for the merchant to review and revise payment management services so as to utilize additional RMPT information received from the merchant POS terminal system so as to alter transaction costs. Such facilities provide information to determine the relative potential transaction cost benefits of various payment management service sets utilizing cost profiles that represent the costs of archival, recorded and projected future transactions. The remote EPMS provides “transaction guidance” technology to be utilized by the merchant's POS terminal system to facilitate prompting for and acquiring additional RMPT information.

    SYSTEMS AND METHODS FOR MULTI-MERCHANT TOKENIZATION
    10.
    发明申请
    SYSTEMS AND METHODS FOR MULTI-MERCHANT TOKENIZATION 审中-公开

    公开(公告)号：US20190266605A1

    公开(公告)日：2019-08-29

    申请号：US16412042

    申请日：2019-05-14

    申请人： Worldpay, LLC

    发明人： Michelle K. PLOMSKE ,  Charles E. Watts ,  Matthew D. OZVAT

    IPC分类号： G06Q20/38

    摘要： Systems and methods for multi-merchant tokenization may include receiving a transaction from a point of sale terminal of a merchant, validating the merchant ID against merchant logs, and generating a token for the transaction. The token includes a primary account number, expiration, and a group ID. Additionally, the system provides the primary account number to a payment system and receives a response back. The response is then output back to the merchant along with the token. In subsequent transactions, the system may receive the token from a one point of sale terminal of the merchant. The system validates the merchant ID against merchant logs and ensures the merchant is configured for tokenization. The token is decrypted and the group ID is compared to the merchant ID in the merchant logs. When they match, the primary account number is provided to the payment system for approval.