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    Systems and methods for expedited automated merchant boarding
    1.
    发明授权
    Systems and methods for expedited automated merchant boarding 有权

    公开(公告)号：US11481763B2

    公开(公告)日：2022-10-25

    申请号：US16409332

    申请日：2019-05-10

    Applicant: Worldpay, LLC

    Inventor： Matthew D. Ozvat ,  John Berkley ,  Kevin Oliver ,  William T. Cooper

    IPC: G06Q20/00 ,  G06Q20/38 ,  G06Q30/06 ,  G06Q20/20 ,  G07G1/14

    Abstract: An expedited automated merchant boarding system in association with a distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote enhanced payment management system (EPMS). The remote EPMS pre-boards anticipated POS terminal system components and records pre-boarding results information. The POS terminal system initiates merchant boarding by transmitting merchant account information. The remote EPMS receives merchant account information and establishes a merchant account. The POS terminal system utilizes protocol transactions including auto-boarding information to initiate auto-boarding with the remote EPMS. The remote EPMS auto-boards the POS terminal system utilizing received auto-boarding information and recorded pre-boarding results. The remote EPMS turns up selected payment management services for the merchant POS terminal system. The POS terminal system utilizes payment transactions to conduct validation of successful interoperation with the remote EPMS. The remote EPMS enables utilization of selected payment management services by the POS terminal system.

    Systems and methods for cost altering payment services
    4.
    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

    Applicant: Worldpay, LLC

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

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

    CPC classification number: G06Q20/4016 ,  G06Q20/20

    Abstract: 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
    5.
    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

    Applicant: Worldpay, LLC

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

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

    Abstract: 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.

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