Patents Assigned to Zact Inc.
  • Publication number: 20240135351
    Abstract: Implementations described herein relate to systems, methods and computer-readable media to provide high availability computer architectures for performing real-time authorization of transactions. In some implementations, the method includes receiving, at two or more groups of authorization control pods, transaction information about the transaction from a payment network, wherein each authorization control pod includes a processing service, a database service, and a policy agent; processing, at a corresponding policy agent of a single authorization control pod of the two or more groups of the authorization control pods, the transaction information by comparing one or more transaction attributes in the transaction information combined with contextual and historic data against one or more policies stored in the database service; and based on the comparison, transmitting one of an approval or a rejection of the transaction to the payment network.
    Type: Application
    Filed: January 1, 2024
    Publication date: April 25, 2024
    Applicant: Zact Inc.
    Inventors: Ioannis Georgiadis, John K. Thomas
  • Patent number: 11887089
    Abstract: Implementations described herein relate to dynamic and predictive updating of a payment attribute of a payment instrument. In some implementations, the method includes receiving, at a computing device, route data for a plurality of trips, receiving, at the computing device, first trip data for the first trip from the user device, wherein the first trip data includes at least location data of the user device, calculating, based on the received first trip data, a fuel likelihood score for the first trip, comparing the fuel likelihood score to a first threshold, based on a determination that the fuel likelihood score meets the first threshold: transmitting, to a computer associated with a payment network, a message to update one or more payment attributes stored at the payment network and associated with the first payment instrument, and displaying an indication that the first payment instrument is approved for the fuel transaction.
    Type: Grant
    Filed: September 28, 2021
    Date of Patent: January 30, 2024
    Assignee: Zact, Inc.
    Inventors: Ioannis Georgiadis, Gopalakrishnan Hariharan, John K. Thomas
  • Patent number: 11475104
    Abstract: A verification system, includes: an arithmetic/logic unit (“ALU”) to perform one or more mathematical operations and compare selected variables; a register to hold a value from a comparison of selected variables performed by the ALU; an instruction decoder to provide read and write commands to memory; an address bus to provide an address to memory for a read or write operation; and a data bus to provide or access data for a write or read operation to or from memory, wherein the ALU generates and provides a recipient identifier to a target computational device, the recipient identifier being related to an identity of the target computational device and/or a target device human operator, and write the recipient identifier to memory in response to a write command issued by the instruction decoder and, as a part of a transaction, the ALU receives, from a user computational device of a first user, the recipient identifier and a credential of the first user and/or user computational device, compares each of the rec
    Type: Grant
    Filed: July 9, 2019
    Date of Patent: October 18, 2022
    Assignee: ZACT INC.
    Inventor: John K. Thomas
  • Publication number: 20220101288
    Abstract: Implementations described herein relate to dynamic and predictive updating of a payment attribute of a payment instrument. In some implementations, the method includes receiving, at a computing device, route data for a plurality of trips, receiving, at the computing device, first trip data for the first trip from the user device, wherein the first trip data includes at least location data of the user device, calculating, based on the received first trip data, a fuel likelihood score for the first trip, comparing the fuel likelihood score to a first threshold, based on a determination that the fuel likelihood score meets the first threshold: transmitting, to a computer associated with a payment network, a message to update one or more payment attributes stored at the payment network and associated with the first payment instrument, and displaying an indication that the first payment instrument is approved for the fuel transaction.
    Type: Application
    Filed: September 28, 2021
    Publication date: March 31, 2022
    Applicant: Zact Inc.
    Inventors: Ioannis Georgiadis, Gopalakrishnan Hariharan, John K. Thomas