Patents Assigned to First Data Corporation
  • Patent number: 10664822
    Abstract: Provided are systems and methods for facilitating bill payment functionality in mobile commerce. In one embodiment, a method can include receiving a transaction code at the mobile device, transmitting the transaction code to a merchant device for association with a transaction, receiving transaction information associated with a transaction based on the transaction code at the mobile device, displaying the transaction information at the mobile device; displaying at least one payment option at the mobile device, receiving a selection of one of the at least one payment option; transmitting the selected payment option and transaction information from the mobile device for approval of the payment of the transaction, receiving notification of approval of the payment at the mobile device, and receiving a payment completion code associated with the notification of approval, wherein the payment completion code is provided to the consumer on a bill associated with the transaction.
    Type: Grant
    Filed: September 11, 2013
    Date of Patent: May 26, 2020
    Assignee: FIRST DATA CORPORATION
    Inventors: J. Scott Sanchez, Vijay Kumar Royyuru, Brent Dewayne Adkisson, Jerome Wendell Myers
  • Patent number: 10647542
    Abstract: A reusable paper core including a cylindrical body having a circular outer periphery surrounding an open interior. The cylindrical body is configured to receive a roll of paper. The paper core includes at least one plate that spans at least a portion of the open interior such that the at least one plate connects at least two portions of the outer periphery. The at least one plate defines a non-circular central opening.
    Type: Grant
    Filed: September 27, 2017
    Date of Patent: May 12, 2020
    Assignee: First Data Corporation
    Inventors: Bradley Rodgers, Ron Weedin
  • Patent number: 10643207
    Abstract: Methods, systems, and machine-readable media are disclosed for processing a card-not-present transaction. According to one embodiment, processing a card-not-present transaction can comprise receiving a request for a card-not-present transaction involving an enrolled consumer. The request can include information identifying the enrolled consumer. A record of information related to the enrolled consumer can be read and the enrolled consumer can be authenticated based at least in part on the information of the request and the record of information related to the enrolled consumer. In response to authenticating the enrolled consumer, a set of single-use payment information can be generated which can include a one-time password and a dynamic Primary Account Number (PAN) which is valid for a single transaction. The single-use payment information can be provided to the enrolled consumer or the merchant to complete the transaction in place of the true PAN.
    Type: Grant
    Filed: July 16, 2018
    Date of Patent: May 5, 2020
    Assignee: First Data Corporation
    Inventor: Vijay K. Royyuru
  • Patent number: 10628881
    Abstract: Methods, systems, and machine-readable media are disclosed for handling information related to a transaction conducted with a presentation instrument at a POS device. Extended application IDs and dynamic cryptograms are used for the transaction. According to one embodiment, a method of processing a financial transaction for an account having a primary account number (PAN) can comprise detecting initiation of the transaction with the presentation instrument, and providing from the presentation instrument to the POS device a list of one or more applications IDs. Each application ID identifies an application that can be used to communicate data concerning the transaction between the presentation instrument and the POS device. The POS device selects one of the application IDs and returns it to the presentation instrument. Under the control of the selected application, the presentation instrument generates a Dynamic Transaction Cryptogram (DTC) and a dynamic PAN that are each valid for only a single transaction.
    Type: Grant
    Filed: May 7, 2019
    Date of Patent: April 21, 2020
    Assignee: First Data Corporation
    Inventors: Vijay K. Royyuru, Robert P. Klotz, John Fullett, Nancy Loomis
  • Publication number: 20200117656
    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: October 9, 2019
    Publication date: April 16, 2020
    Applicant: First Data Corporation
    Inventors: Vijay K. Royyuru, Lanny Byers, Cindy White, Charles R. Williams
  • Patent number: 10614492
    Abstract: Systems and methods are provided for notifying a wireless communication device user regarding an account payment. One method comprises dialing a phone number of a wireless communication device, preferably a cell phone. A communication relating to an account payment that includes a balance due is then transmitted or delivered to a wireless communication device user. Optionally, at the same time or a later time, input from the wireless communication device user may be received regarding payment of the balance due. Such notification methods may be carried out by a host computer system which has a record of when the account payment is due and dials and transmits within a predetermined time frame. Generally, such methods will further comprise pre-registering or enrolling the wireless communication device user.
    Type: Grant
    Filed: August 18, 2010
    Date of Patent: April 7, 2020
    Assignees: First Data Corporation, The Western Union Company
    Inventors: Patricia A. Frazier, Kenneth Algiene
  • Publication number: 20200097943
    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 pan 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: November 26, 2019
    Publication date: March 26, 2020
    Applicant: FIRST DATA CORPORATION
    Inventors: Vijay Kumar Royyuru, Brent Dewayne Adkisson, Raja Vel, Brent Allen Stains, Donncha O'Hegarty
  • Patent number: 10580063
    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: August 26, 2015
    Date of Patent: March 3, 2020
    Assignee: First Data Corporation
    Inventor: Clarence Williams
  • Publication number: 20200043012
    Abstract: Electronic receipts arising from transactions processed at a card transaction processing system are captured and stored at the processing system for subsequent access by merchants and cardholders. Advertisements and promotional offers may be placed on the electronic receipts for viewing by a cardholder when the receipts are accessed.
    Type: Application
    Filed: August 9, 2019
    Publication date: February 6, 2020
    Applicant: First Data Corporation
    Inventors: Silvio Tavares, Mark D. Baumgart, Javier M. Alvarado
  • Publication number: 20200034816
    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: Application
    Filed: August 6, 2019
    Publication date: January 30, 2020
    Applicant: First Data Corporation
    Inventors: Douglas Byerley, John Cawthorne, Sunil Dewan, Daniel Skowronek, Steven E. Arthur, Christopher L. Toomer
  • Publication number: 20200027116
    Abstract: Embodiments described herein provide methods and systems for making reward point account balances liquid for the customer. In traditional systems, reward points issued to customers in their reward point accounts have limited redemption options. Embodiments discussed herein allow a user to provision their reward point account into a digital wallet. The user can then use the reward points to purchase goods and services using their reward point account as a payment source via the digital wallet. The result is that the reward point account balance becomes a liquid asset for the customer to use to purchase any goods and/or services at any merchant that accepts payments from a digital wallet. Further, due to real-time point conversion at the time of the transaction, the available point balance is always up-to-date for use through any access method available to the user.
    Type: Application
    Filed: July 19, 2019
    Publication date: January 23, 2020
    Applicant: First Data Corporation
    Inventors: Vijay K. Royyuru, Lanny Byers, David Farris, Shawn Kretschmer, Cindy White, Skyler Fox, April Ross
  • Publication number: 20200027115
    Abstract: Embodiments described herein provide methods and systems for making reward point account balances liquid for the customer. In traditional systems, reward points issued to customers in their reward point accounts have limited redemption options. Embodiments discussed herein allow a user to provision their reward point account into a digital wallet. The user can then use the reward points to purchase goods and services using their reward point account as a payment source via the digital wallet. The result is that the reward point account balance becomes a liquid asset for the customer to use to purchase any goods and/or services at any merchant that accepts payments from a digital wallet. Further, due to real-time point conversion at the time of the transaction, the available point balance is always up-to-date for use through any access method available to the user.
    Type: Application
    Filed: July 19, 2019
    Publication date: January 23, 2020
    Applicant: First Data Corporation
    Inventors: Vijay K. Royyuru, Lanny Byers, David Farris, Shawn Kretschmer, Cindy White, Skyler Fox, April Ross
  • Patent number: 10537190
    Abstract: Embodiments of the disclosure can include systems and methods for providing articulating point-of-sale (POS) apparatuses or devices, such as displays. In one embodiment, an articulating point-of-sale (POS) display assembly may include a base and a movable arm attached to the base. The movable arm may be configured to move from a first position to a second position with respect to the base. The assembly may further include a pivotable display device attached to the movable arm. The pivotable display device may be configured to pivot from a third position to a fourth position with respect to the movable arm. The assembly may also include an arm joint attaching the movable arm to the base, and a pivot joint attaching the pivotable display device to the movable arm.
    Type: Grant
    Filed: March 9, 2018
    Date of Patent: January 21, 2020
    Assignee: First Data Corporation
    Inventors: William Sauway Law, Heather Lynn Klaubert, Sung Hoon Kim, Scott McKinley DeWinter, Christopher Loew, David Frederick Lyons, Leonard Speiser, John Beatty
  • Patent number: 10535052
    Abstract: Transaction data is collected from POS terminals in order to generate transaction paths for account holders. The transaction paths link merchant locations where transactions are conducted. Common features of transaction paths, such as intersecting path locations, and transaction data associated with the merchant locations are used for marketing and other purposes.
    Type: Grant
    Filed: January 28, 2019
    Date of Patent: January 14, 2020
    Assignee: First Data Corporation
    Inventors: Silvio Tavares, Susan Fahy, Dennis Carlson
  • Patent number: 10535063
    Abstract: Disclosed herein are certain embodiments of systems and methods for standardizing a plurality of digital wallet credits, into one digital wallet system. Expenditures of merchant issued credit stored in digital wallets are supported by tokenization of assets. Assets are encoded and represented by currencies tracked on public ledgers. Data is mined from the public ledger, decoded, and presented to users with a unified interface which allows users to view balances at any time of all digital wallets in their possession.
    Type: Grant
    Filed: March 16, 2016
    Date of Patent: January 14, 2020
    Assignee: First Data Corporation
    Inventors: Vinodan K. Lingham, Mark Levitt, Krisan Ramesh Nichani, Guillaume P. Lebleu
  • Publication number: 20190385164
    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 mobile application for the user to simply push the button to request that the payment source be imported into the user's digital pay wallet. 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 an encryption gateway, authorizes a token service provider to provision the payment source into the user's digital wallet.
    Type: Application
    Filed: June 17, 2019
    Publication date: December 19, 2019
    Applicant: First Data Corporation
    Inventors: Vijay Royyuru, Benjamin Rewis, SR., Lanny Byers, Renee Goodheart, Cindy White, Kelly Urban, Skyler Fox
  • Patent number: 10510062
    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: March 7, 2014
    Date of Patent: December 17, 2019
    Assignee: FIRST DATA CORPORATION
    Inventors: Vijay Kumar Royyuru, Brent Dewayne Adkisson, Raja Vel, Brent Allen Stains, Donncha O'Hegarty
  • Patent number: 10504090
    Abstract: Devices and systems for performing contactless payments. The devices are configured such that account issuers have increased flexibility, and such that the systems and methods are extensible to encompass new technologies.
    Type: Grant
    Filed: December 4, 2015
    Date of Patent: December 10, 2019
    Assignee: First Data Corporation
    Inventors: Vijay K. Royyuru, Robert P. Klotz, Christopher T. Cox, Kelly B. Urban, Sridher Swaminathan
  • Publication number: 20190362583
    Abstract: Methods and systems are provided for processing a transaction between a first party and a second party. Information defining terms of the transaction and identifying a presentation instrument are received at a host system. Preference information associated with the presentation instrument is retrieved with the host system. The preference information specifies terms for an allocation of transaction amounts among multiple transaction types. An amount for the transaction is allocated among the transaction types in accordance with terms of the transaction and the terms for the allocation.
    Type: Application
    Filed: June 20, 2019
    Publication date: November 28, 2019
    Applicant: First Data Corporation
    Inventors: SuZanne Rogers, Timothy Horton, Gary J. Trainor
  • Patent number: 10489753
    Abstract: An electronic transaction method, funds transfer apparatus and method for facilitating a funds transfer. The methods comprise sending information from a purchaser or payor to a funds transfer system separate from a vendor system or payee, validating and confirming personal financial information at the funds transfer system, and transferring funds from a purchaser or payor account to the vendor or a payee account without exposing either party's financial and account information to the other. Additionally, a funds transfer apparatus is disclosed comprising connections to a payor and payee system and mechanisms for receiving and validating party and transaction information and a mechanism for transferring funds from one party to the other.
    Type: Grant
    Filed: March 20, 2012
    Date of Patent: November 26, 2019
    Assignees: The Western Union Company, First Data Corporation
    Inventors: Terry Allen-Rouman, Jack Michael Arrington, Keval Desai, Robert Edwin Dravenstott, Wendy D. Larson, Scott J. Levokove, John Joseph Mascavage, III, Peter Eric Philipp, Margaret Morgan Weichert