Patents by Inventor Michelle K. Plomske
Michelle K. Plomske has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Publication number: 20240127244Abstract: 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.Type: ApplicationFiled: December 27, 2023Publication date: April 18, 2024Inventors: Matthew D. OZVAT, Michelle K. PLOMSKE, Charles E. WATTS, Robert BONESTELL, Daniel J. OURADA, Kevin OLIVER
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Patent number: 11900376Abstract: 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.Type: GrantFiled: June 19, 2020Date of Patent: February 13, 2024Assignee: Worldpay, LLCInventors: Matthew D. Ozvat, Michelle K. Plomske, Charles E. Watts, Robert Bonestell, Daniel J. Ourada, Kevin Oliver
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Publication number: 20220343324Abstract: An arbitraged enhanced payment processing system in association with 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 payment processing servicer. Upon receiving a payment processing servicer response, the payment management system outputs the response and token to the POS terminal system.Type: ApplicationFiled: July 12, 2022Publication date: October 27, 2022Inventors: Matthew D. OZVAT, Nicholas G. NAYFACK, John BERKLEY, Travis L. PRIEST, Michelle K. PLOMSKE, Charles E. WATTS, Robert BONESTELL, Daniel J. OURADA, Kevin OLIVER
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Patent number: 11416856Abstract: An arbitraged enhanced payment processing system in association with 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 payment processing servicer. Upon receiving a payment processing servicer response, the payment management system outputs the response and token to the POS terminal system.Type: GrantFiled: March 13, 2020Date of Patent: August 16, 2022Assignee: Worldpay, LLCInventors: Matthew D. Ozvat, Nicholas G. Nayfack, John Berkley, Travis L. Priest, Michelle K. Plomske, Charles E. Watts, Robert Bonestell, Daniel J. Ourada, Kevin Oliver
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Publication number: 20220245638Abstract: 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.Type: ApplicationFiled: April 14, 2022Publication date: August 4, 2022Inventors: Matthew D. OZVAT, Michelle K. PLOMSKE, Charles E. WATTS, Robert BONESTELL, Daniel J. OURADA, Kevin OLIVER
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Publication number: 20220222663Abstract: 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.Type: ApplicationFiled: April 4, 2022Publication date: July 14, 2022Inventors: Michelle K. PLOMSKE, Charles E. WATTS, Matthew D. OZVAT
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Patent number: 11328293Abstract: 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.Type: GrantFiled: May 29, 2020Date of Patent: May 10, 2022Assignee: Worldpay, LLCInventors: Michelle K. Plomske, Charles E. Watts, Matthew D. Ozvat
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Patent number: 11328296Abstract: 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.Type: GrantFiled: May 22, 2019Date of Patent: May 10, 2022Assignee: Worldpay, LLCInventors: Matthew D. Ozvat, Michelle K. Plomske, Charles E. Watts, Robert Bonestell, Daniel J. Ourada, Kevin Oliver
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Publication number: 20200320532Abstract: 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.Type: ApplicationFiled: June 19, 2020Publication date: October 8, 2020Inventors: Matthew D. OZVAT, Michelle K. PLOMSKE, Charles E. WATTS, Robert BONESTELL, Daniel J. OURADA, Kevin OLIVER
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Publication number: 20200294044Abstract: 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.Type: ApplicationFiled: May 29, 2020Publication date: September 17, 2020Inventors: Michelle K. PLOMSKE, Charles E. WATTS, Matthew D. OZVAT
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Patent number: 10762500Abstract: 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.Type: GrantFiled: May 14, 2019Date of Patent: September 1, 2020Assignee: Worldpay, LLCInventors: Michelle K. Plomske, Charles E. Watts, Matthew D. Ozvat
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Publication number: 20200211006Abstract: An arbitraged enhanced payment processing system in association with 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 payment processing servicer. Upon receiving a payment processing servicer response, the payment management system outputs the response and token to the POS terminal system.Type: ApplicationFiled: March 13, 2020Publication date: July 2, 2020Inventors: Matthew D. OZVAT, Nicholas G. NAYFACK, John BERKLEY, Travis L. PRIEST, Michelle K. PLOMSKE, Charles E. WATTS, Robert BONESTELL, Daniel J. OURADA, Kevin OLIVER
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Patent number: 10636032Abstract: An arbitraged enhanced payment processing system in association with 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 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 payment processing servicer. Upon receiving a payment processing servicer response, the payment management system outputs the response and token to the POS terminal system.Type: GrantFiled: October 23, 2018Date of Patent: April 28, 2020Assignee: Worldpay, LLCInventors: Matthew D. Ozvat, Nicholas G. Nayfack, John Berkley, Travis L. Priest, Michelle K. Plomske, Charles E. Watts, Robert Bonestell, Daniel J. Ourada, Kevin Oliver
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Publication number: 20190272543Abstract: 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.Type: ApplicationFiled: May 22, 2019Publication date: September 5, 2019Inventors: Matthew D. OZVAT, Michelle K. PLOMSKE, Charles E. WATTS, Robert BONESTELL, Daniel J. OURADA, Kevin OLIVER
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Publication number: 20190266605Abstract: 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.Type: ApplicationFiled: May 14, 2019Publication date: August 29, 2019Inventors: Michelle K. PLOMSKE, Charles E. Watts, Matthew D. OZVAT
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Patent number: 10346838Abstract: 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.Type: GrantFiled: January 16, 2013Date of Patent: July 9, 2019Assignee: Worldpay, LLCInventors: Matthew D. Ozvat, Michelle K. Plomske, Charles E. Watts, Robert Bonestell, Daniel Ourada, Kevin Oliver
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Patent number: 10339524Abstract: 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.Type: GrantFiled: July 31, 2012Date of Patent: July 2, 2019Assignee: Worldpay, LLCInventors: Michelle K. Plomske, Charles E. Watts, Matthew D. Ozvat
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Publication number: 20190066104Abstract: An arbitraged enhanced payment processing system in association with 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 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 payment processing servicer. Upon receiving a payment processing servicer response, the payment management system outputs the response and token to the POS terminal system.Type: ApplicationFiled: October 23, 2018Publication date: February 28, 2019Inventors: Matthew D. OZVAT, Nicholas G. NAYFACK, John BERKLEY, Travis L. PRIEST, Michelle K. PLOMSKE, Charles E. Watts, Robert BONESTELL, Daniel J. OURADA, Kevin OLIVER
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Patent number: 10152711Abstract: An arbitraged enhanced payment processing system in association with 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 payment processing servicer. Upon receiving a payment processing servicer response, the payment management system outputs the response and token to the POS terminal system.Type: GrantFiled: August 1, 2013Date of Patent: December 11, 2018Assignee: Worldpay, LLCInventors: Matthew D. Ozvat, Nicholas G. Nayfack, John Berkley, Travis L. Priest, Michelle K. Plomske, Charles E. Watts, Robert Bonestell, Daniel Ourada, Kevin Oliver
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Publication number: 20140040145Abstract: 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.Type: ApplicationFiled: January 16, 2013Publication date: February 6, 2014Inventors: Matthew D. Ozvat, Michelle K. Plomske, Charles E. Watts, Robert Bonestell, Daniel Ourada, Kevin Oliver