Patents Assigned to First Data Corporation
  • Patent number: 11531976
    Abstract: This disclosure describes systems and methods related to facilitating card present transaction. In one embodiment, a service provider system may receive a request from a merchant to initiate a card present transaction associated with a consumer. The service provider system may determine an identifier associated with a mobile device associated with the consumer. The service provider system may communicate to the mobile device, based at least in part on the identifier, a message that facilitates invocation of a transaction module associated with the mobile device. The service provider system may facilitate the car present transaction based at least in part on an interaction with the transaction module.
    Type: Grant
    Filed: December 26, 2018
    Date of Patent: December 20, 2022
    Assignee: First Data Corporation
    Inventors: Vijay Kumar Royyuru, Jerome Wendell Myers, Brent Dewayne Adkisson, Jeffrey Scott Sanchez
  • Publication number: 20220327507
    Abstract: A computing system for remotely activating a transaction device including at least one memory having instructions stored thereon that, when executed by the at least one processor, cause the at least one processor to receive, from a mobile device, a transaction device identifier, receive, from the transaction device, an authorization request associated with a payment account for a transaction at the transaction device, receive location information from the mobile device and location information from the transaction device in response to receiving the authorization request, compare the location information to determine whether the mobile device is in proximity to the transaction device, and upon determining that the mobile device is in proximity to the transaction device, determine an authorization status of the authorization request, and transmit a signal to activate the transaction device to complete the transaction, wherein the signal is transmitted based on the transaction device identifier.
    Type: Application
    Filed: June 29, 2022
    Publication date: October 13, 2022
    Applicant: FIRST DATA CORPORATION
    Inventors: Vijay K. Royyuru, Brad Lucas, Jack Stephenson, S. Shane Caldwell, III, Scott MacKay, Brent A. Stains, Dale McCrory, Mark A. Petersen, Raja Vel
  • Patent number: 11410147
    Abstract: A method of remotely activating a transaction device includes receiving, at a computing system, a mobile device identifier from a mobile application executed on a mobile device. A selection of the transaction device is received from the application. The selection includes an identifier of the transaction device. A selection of a transaction amount related to purchase of a product is received from the application. An authorization request for a payment account associated with the mobile device is communicated to an issuer of the payment account. The authorization request is for a transaction of at least the transaction amount. An authorization approval for the transaction is received from the issuer and a signal to activate the transaction device to dispense the product is sent based on the identifier. The transaction device is deactivated upon dispensing the transaction amount and a receipt of the transaction is provided to the mobile device.
    Type: Grant
    Filed: February 27, 2020
    Date of Patent: August 9, 2022
    Assignee: FIRST DATA CORPORATION
    Inventors: Vijay K. Royyuru, Brad Lucas, Jack Stephenson, S. Shane Caldwell, III, Scott Mackay, Brent A. Stains, Dale McCrory, Mark A. Petersen, Raja Vel
  • Patent number: 11403425
    Abstract: A system for detecting breach of merchant systems includes an extraction management system for extracting wildcard data from a dump site at which stolen account data is offered for sale. The system also includes an account breach identifying system for accessing stored transaction data from multiple banks and merging the extracted dump site data with the transaction data to create unique PAN (primary account number) data records (each set of wildcard data corresponds to only a single PAN) and multiple PAN data records (each set of wildcard data corresponds to multiple PANs). The unique and multiple PAN data records are stored and analyzed separately, and reduce the amount of data needed to identify a breached merchant.
    Type: Grant
    Filed: October 27, 2020
    Date of Patent: August 2, 2022
    Assignee: FIRST DATA CORPORATION
    Inventor: Christopher M. Mascaro
  • Publication number: 20220237622
    Abstract: Described herein are methods and systems for enhancing security of transaction requests from POS terminals by utilizing ANI-DNIS information. The header of the transaction request can include automatic source information (“ASI”), which can be extracted from the header by the line handler. The ASI information can be provided to the front end interface, which can compare the ASI information with known customer information. The comparison can provide information indicating whether the transaction is legitimate or fraudulent. If fraudulent, the transaction request can be declined. The ASI information can further be stored in a security analysis database and further queried to identify larger threats including denial of service attacks.
    Type: Application
    Filed: April 13, 2022
    Publication date: July 28, 2022
    Applicant: First Data Corporation
    Inventors: Robert J. Cole, Mary Januszka, Alan Todd Blackburn, John J. Petrizzo, Robert J. Seitz, Tim Seligman, Eric Stormo
  • Patent number: 11328300
    Abstract: Described herein are methods and systems for enhancing security of transaction requests from POS terminals by utilizing ANI-DNIS information. The header of the transaction request can include automatic source information (“ASI”), which can be extracted from the header by the line handler. The ASI information can be provided to the front end interface, which can compare the ASI information with known customer information. The comparison can provide information indicating whether the transaction is legitimate or fraudulent. If fraudulent, the transaction request can be declined. The ASI information can further be stored in a security analysis database and further queried to identify larger threats including denial of service attacks.
    Type: Grant
    Filed: November 15, 2018
    Date of Patent: May 10, 2022
    Assignee: FIRST DATA CORPORATION
    Inventors: Robert J. Cole, Mary Januszka, Alan Todd Blackburn, John J. Petrizzo, Robert J. Seitz, Tim Seligman, Eric Stormo
  • Patent number: 11328291
    Abstract: Embodiments of the disclosure generally relate to systems and methods for processing electronic payments for retail services and goods delivered by a retail establishment. In embodiments, a mobile wallet application is installed in the automobile. The automobile wallet application can receive and/or send transaction and payment information over a near field communication system to a retailer and on to an authorizing authority. The authorizing authority receives the payment and transaction information, authorizes or declines the payment of the transaction, and forwards the authorization or declination to the automobile wallet application. If authorized, the retailer provides the retail good or service.
    Type: Grant
    Filed: December 2, 2015
    Date of Patent: May 10, 2022
    Assignee: FIRST DATA CORPORATION
    Inventors: Andrew Hurt, Shaun Worley
  • Patent number: 11295289
    Abstract: Methods, systems, and machine-readable media are disclosed for utilizing mobile electronic devices to redeem and report use of various marketing offers such as coupons. According to one embodiment, redeeming and reporting a marketing offer can comprise transmitting information related to the marketing offer from a mobile wallet of the mobile device to a target device. A redemption message can be received at the mobile wallet of the mobile device from the target device. The redemption message can indicate acceptance of the marketing offer. At least a portion of the redemption message can be sent from the mobile wallet of the mobile device to a service provider system providing communication services to the mobile device. Sending the redemption message from the mobile wallet of the mobile device to the service provider system can be performed via a wireless communications network such as a cellular network.
    Type: Grant
    Filed: August 6, 2019
    Date of Patent: April 5, 2022
    Assignee: FIRST DATA CORPORATION
    Inventors: Douglas Byerley, John Cawthorne, Sunil Dewan, Daniel Skowronek, Steven E. Arthur, Christopher L. Toomer
  • Publication number: 20220067036
    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.
    Type: Application
    Filed: November 12, 2021
    Publication date: March 3, 2022
    Applicant: First Data Corporation
    Inventors: Vijay K. Royyuru, Lanny Byers, Cindy White, Charles R. Williams
  • Publication number: 20220038439
    Abstract: A method of tokenizing sensitive data from a terminal device includes receiving, a connection request comprising a hardware serial number associated with a terminal device and validating the hardware serial number associated with the terminal device. The method includes sending a command to a terminal device that causes the terminal device to display a prompt for sensitive data associated with a user interacting with the terminal device and receiving an encrypted data packet from the terminal device. The encrypted data packet includes the sensitive data. The method includes sending the encrypted data packet to a gateway system for tokenization, receiving a token that represents the sensitive data, and providing the token to the terminal device.
    Type: Application
    Filed: October 14, 2021
    Publication date: February 3, 2022
    Applicant: First Data Corporation
    Inventors: Nicholas Aceto, Kevin Nathan, Kyle Nahrgang, Tom Catullo, Pete Foley, Bill Miller, Evan Broderick
  • Publication number: 20220005012
    Abstract: This disclosure describes systems, methods, and computer-readable media related to providing a point of sale platform. In some embodiment, a point of sale (POS) device may receive information associated with an order and payment information associated with the order. The POS device may generate a first object based at least in part on the information associated with the order and a second object based at least in part on the payment information. The POS device may store the first object and the second object in a queue. The POS device may transmit the first object and the second object to a remote server.
    Type: Application
    Filed: September 20, 2021
    Publication date: January 6, 2022
    Applicant: FIRST DATA CORPORATION
    Inventors: Leonard Speiser, John Beatty, Michael Quinlan, Arvin C. Haywood, Jacques Grove
  • Patent number: 11204914
    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.
    Type: Grant
    Filed: October 9, 2019
    Date of Patent: December 21, 2021
    Assignee: FIRST DATA CORPORATION
    Inventors: Vijay K. Royyuru, Lanny Byers, Cindy White, Charles R. Williams
  • Publication number: 20210357900
    Abstract: This disclosure describes systems, methods, and computer-readable media related to mobile device purchase flows. In some embodiments, a mobile device may obtain a uniform resource identifier (URI). The mobile device may launch a browser based at least in part on the URI. The mobile device may submit a first set of data to a server based at least in part on the URI and receive a re-direct URI. The mobile device may launch an application in response to receiving the re-direct URI from the server, wherein the application submits a second set of data to the server. The mobile device may facilitate completion of a transaction by the application based at least in part on matching the first set of data and the second set of data at the server.
    Type: Application
    Filed: June 30, 2021
    Publication date: November 18, 2021
    Applicant: FIRST DATA CORPORATION
    Inventors: Vijay Kumar ROYYURU, Brent Dewayne ADKISSON, Raja VEL, Brent Allen STAINS, Donncha O'HEGARTY
  • Patent number: 11178118
    Abstract: A method of tokenizing sensitive data from a terminal device includes receiving, a connection request comprising a hardware serial number associated with a terminal device and validating the hardware serial number associated with the terminal device. The method includes sending a command to a terminal device that causes the terminal device to display a prompt for sensitive data associated with a user interacting with the terminal device and receiving an encrypted data packet from the terminal device. The encrypted data packet includes the sensitive data. The method includes sending the encrypted data packet to a gateway system for tokenization, receiving a token that represents the sensitive data, and providing the token to the terminal device.
    Type: Grant
    Filed: April 9, 2019
    Date of Patent: November 16, 2021
    Assignee: First Data Corporation
    Inventors: Nicholas Aceto, Kevin Nathan, Kyle Nahrgang, Tom Catullo, Pete Foley, Bill Miller, Evan Broderick
  • Patent number: 11170357
    Abstract: Embodiments of the disclosure can include systems, methods, computer-readable media, techniques and methodologies for transactional document processing. Users can utilize documents to complete transactions. A user device, such as a point of sale (POS) device may be used to enter user information as well as capture an image of a check. A financial service server, in communication with the POS device, may forward the request to a document analysis server. The document analysis server may use the information received from the POS device to determine whether the document is approved to be used in a transaction. The document analysis server may obtain financial information from an image of the check. The document analysis server may use the user information and financial information to obtain additional information (e.g., credit history, transaction history, etc.).
    Type: Grant
    Filed: October 4, 2019
    Date of Patent: November 9, 2021
    Assignee: FIRST DATA CORPORATION
    Inventors: Brian Green, Charles R. Williams
  • Patent number: 11151536
    Abstract: This disclosure describes systems, methods, and computer-readable media related to providing a point of sale platform. In some embodiment, a point of sale (POS) device may receive information associated with an order and payment information associated with the order. The POS device may generate a first object based at least in part on the information associated with the order and a second object based at least in part on the payment information. The POS device may store the first object and the second object in a queue. The POS device may transmit the first object and the second object to a remote server.
    Type: Grant
    Filed: May 21, 2019
    Date of Patent: October 19, 2021
    Assignee: FIRST DATA CORPORATION
    Inventors: Leonard Speiser, John Beatty, Michael Quinlan, Arvin C. Haywood, Jacques Grove
  • Publication number: 20210279699
    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.
    Type: Application
    Filed: May 19, 2021
    Publication date: September 9, 2021
    Applicant: First Data Corporation
    Inventors: Vijay ROYYURU, Sridher SWAMINATHAN
  • Patent number: 11093998
    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.
    Type: Grant
    Filed: March 2, 2020
    Date of Patent: August 17, 2021
    Assignee: FIRST DATA CORPORATION
    Inventor: Clarence Williams
  • Patent number: 11080679
    Abstract: This disclosure describes systems, methods, and computer-readable media related to mobile device purchase flows. In some embodiments, a mobile device may obtain a uniform resource identifier (URI). The mobile device may launch a browser based at least in part on the URI. The mobile device may submit a first set of data to a server based at least in part on the URI and receive a re-direct URI. The mobile device may launch an application in response to receiving the re-direct URI from the server, wherein the application submits a second set of data to the server. The mobile device may facilitate completion of a transaction by the application based at least in part on matching the first set of data and the second set of data at the server.
    Type: Grant
    Filed: November 26, 2019
    Date of Patent: August 3, 2021
    Assignee: FIRST DATA CORPORATION
    Inventors: Vijay Kumar Royyuru, Brent Dewayne Adkisson, Raja Vel, Brent Allen Stains, Donncha O'Hegarty
  • Publication number: 20210209063
    Abstract: Tables and techniques to configure the same are provided. In some embodiments, configuration of one or more memory devices can permit or otherwise facilitate including transaction records in a table or another type of data structure, where the transaction records can be organized based at least on a defined location for a merchant or another type of organization associated with the transaction records.
    Type: Application
    Filed: March 19, 2021
    Publication date: July 8, 2021
    Applicant: First Data Corporation
    Inventors: Donna Williams, Jose Tinoco