Patents Assigned to First Data Corporation
  • Publication number: 20190108541
    Abstract: Methods and systems are described for issuing and settling electronic coupons. A financial service host may receive authorization and settlement information, wherein the authorization and settlement information comprises an account number of the consumer. The account number may be linked to an account of the consumer enrolled in an electronic coupon program. The methods and system may also include transmitting a notification to the consumer that indicates the electronic coupon has been redeemed. A monetary value associated with the electronic coupon may be debited from an account linked to the merchant, and the account of the consumer may be credited with the monetary value associated with the electronic coupon.
    Type: Application
    Filed: October 12, 2018
    Publication date: April 11, 2019
    Applicant: First Data Corporation
    Inventors: Barry F. Pointer, Dominic Morea, Bengt Horsma, Christopher Wuhrer, Jerome Myers, Michelangelo R. Ho, Sarah Owen
  • Publication number: 20190092600
    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: Application
    Filed: September 27, 2017
    Publication date: March 28, 2019
    Applicant: First Data Corporation
    Inventors: Bradley Rodgers, Ron Weedin
  • Patent number: 10242326
    Abstract: Methods, systems, and machine-readable media are disclosed for utilizing mobile electronic devices in various types of financial transactions. According to one embodiment, a method of providing a plurality of mobile commerce functions can comprise receiving a communication related to a function of a mobile wallet application of a mobile device. One or more of a plurality of acquirer systems for handling of the communication can be identified based on the function of the mobile wallet application to which the communication relates. The communication can be routed to the identified one or more acquirer systems for handling of the communication. In some cases, a reply to the communication can be received from at least one of the identified one or more acquirer systems and the reply can be sent to a recipient.
    Type: Grant
    Filed: October 11, 2013
    Date of Patent: March 26, 2019
    Assignee: First Data Corporation
    Inventors: Steven E. Arthur, Christopher L. Toomer, Sarah Owen, Theodore VanDeburg
  • Publication number: 20190087806
    Abstract: Methods, systems, and machine-readable media are disclosed for registering a mobile device for use in a mobile commerce system. According to one embodiment, a method of registering a mobile device for use in a mobile commerce system can comprise receiving at a service provider system a registration request from a user of the mobile device. A determination can be made with the service provider system whether to allow registration of the mobile device. In response to determining to allow registration of the mobile device, the registration request can be sent from the service provider system to an acquirer system.
    Type: Application
    Filed: September 19, 2018
    Publication date: March 21, 2019
    Applicant: First Data Corporation
    Inventors: Steven E. Arthur, Christopher L. Toomer, Sarah Owen, Theodore VanDeburg
  • Patent number: 10235688
    Abstract: Techniques and systems for selecting advertisements for dissemination over a network are disclosed. In one embodiment, an advertisement service stores information indicative of offers from merchants, including information indicating an amount of revenue that the offering merchant would be willing to share with the advertisement service if a consumer consummates a transaction with the merchant based on the good or service advertised in the offer. The service computes predicted conversion rates for these offers, and uses the predicted conversion rates and the revenue sharing information to select an advertisement for dissemination according to which advertisement is expected to generate the greatest amount of revenue for the advertisement service.
    Type: Grant
    Filed: September 25, 2011
    Date of Patent: March 19, 2019
    Assignee: FIRST DATA CORPORATION
    Inventors: John D. Beatty, Leonard R. Speiser, Michael L. Speiser
  • Patent number: 10217095
    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: May 17, 2018
    Date of Patent: February 26, 2019
    Assignee: First Data Corporation
    Inventors: Silvio Tavares, Susan Fahy, Dennis Carlson
  • Patent number: 10198725
    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: January 31, 2013
    Date of Patent: February 5, 2019
    Assignee: First Data Corporation
    Inventors: Vijay Kumar Royyuru, Jerome Wendell Myers, Brent Dewayne Adkisson, Jeffrey Scott Sanchez
  • Patent number: 10176489
    Abstract: A transaction is conducted at a merchant location using redeemed loyalty points maintained in a loyalty point account for a customer. The transactions are conducted using a mobile device at a POS terminal. In response to receiving a customer ID from the mobile device, a loyalty server provides the monetary value of loyalty points. The customer may use the mobile device to redeem those points and have the value transferred into a financial account. A payment processing system connected to the POS terminal completes the transaction using the financial account.
    Type: Grant
    Filed: August 21, 2014
    Date of Patent: January 8, 2019
    Assignee: First Data Corporation
    Inventors: Todd Nuzum, Brian Friedman, Virginia G. Sayor
  • Publication number: 20180336541
    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: Application
    Filed: May 17, 2018
    Publication date: November 22, 2018
    Applicant: First Data Corporation
    Inventors: Silvio Tavares, Susan Fahy, Dennis Carlson
  • Publication number: 20180322493
    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: Application
    Filed: July 16, 2018
    Publication date: November 8, 2018
    Applicant: First Data Corporation
    Inventor: Vijay K. Royyuru
  • Patent number: 10121134
    Abstract: A payment terminal and a host computer system are configured to provide human-readable messaging capability with a person at an external location outside of a financial infrastructure. A payment terminal at a point of sale may be used to cause human-readable message content to be forwarded to the person by the host computer system, either automatically or at the instigation of an operator of the payment terminal. Message content from the person may be delivered to the payment terminal for display to the operator. The person at the external location may be able to retrieve information stored in the payment terminal via standard communication channels. The system also provides a mechanism for exchanging messages between payment terminals.
    Type: Grant
    Filed: December 24, 2015
    Date of Patent: November 6, 2018
    Assignee: First Data Corporation
    Inventor: Bruce Dragt
  • Publication number: 20180315043
    Abstract: Methods, systems, and machine-readable media are disclosed for handling information related to a financial transaction including utilizing dynamic cryptograms. According to one embodiment, a method of processing a financial transaction related to a financial account can comprise detecting initiation of the transaction with a device used as a presentation instrument in the transaction. A Dynamic Transaction Cryptogram (DTC) and a dynamic PAN can be generated at the device. The DTC can be used to authenticate the transaction and the dynamic PAN can comprise an encrypted form of a real PAN of the financial account that is valid for a single transaction. The DTC and the dynamic PAN can be provided by the device for use in the transaction.
    Type: Application
    Filed: July 5, 2018
    Publication date: November 1, 2018
    Applicant: First Data Corporation
    Inventors: VIJAY K. ROYYURU, Robert P. Klotz
  • Publication number: 20180315102
    Abstract: Various arrangements for processing a transaction involving at least two parties are provided. Rules may be established that define transaction processing between combinations of a plurality of origination entities and a plurality of destination entities. Transaction information may be received relating to the transaction between the two parties. One of the parties is an origination entity and one of the parties is a destination entity. The transaction information contains at least an identifier from which at least one of the parties may be identified. The transaction information may be used to identify at least one of the parties. The rules may be used to define transaction processing for the at least one party. Processing of the transaction may be at least partially based on the rules.
    Type: Application
    Filed: April 30, 2018
    Publication date: November 1, 2018
    Applicant: First Data Corporation
    Inventors: George Nauman, Judy Turek, Doug Swartz, Vicki Abel
  • Patent number: 10102518
    Abstract: Methods, systems, and machine-readable media are disclosed for registering a mobile device for use in a mobile commerce system. According to one embodiment, a method of registering a mobile device for use in a mobile commerce system can comprise receiving at a service provider system a registration request from a user of the mobile device. A determination can be made with the service provider system whether to allow registration of the mobile device. In response to determining to allow registration of the mobile device, the registration request can be sent from the service provider system to an acquirer system.
    Type: Grant
    Filed: July 30, 2007
    Date of Patent: October 16, 2018
    Assignee: First Data Corporation
    Inventors: Steven E. Arthur, Christopher L. Toomer, Sarah Owen, Theodore VanDeburg
  • Patent number: 10102538
    Abstract: Methods and systems are described for issuing and settling electronic coupons. A financial service host may receive authorization and settlement information, wherein the authorization and settlement information comprises an account number of the consumer. The account number may be linked to an account of the consumer enrolled in an electronic coupon program. The methods and system may also include transmitting a notification to the consumer that indicates the electronic coupon has been redeemed. A monetary value associated with the electronic coupon may be debited from an account linked to the merchant, and the account of the consumer may be credited with the monetary value associated with the electronic coupon.
    Type: Grant
    Filed: August 4, 2016
    Date of Patent: October 16, 2018
    Assignee: First Data Corporation
    Inventors: Barry F. Pointer, Dominic Morea, Bengt Horsma, Christopher Wuhrer, Jerome Myers, Michelangelo R. Ho, Sarah Owen
  • Patent number: 10089625
    Abstract: Systems and methods for tokenizing financial information are provided, including embodiments relating to authorizing payment or sale transactions using verbal recognition of a customer or user. In some embodiments, a payment transaction service provider system may receive payment authorization information from a user device. The payment authorization information may include a recording. The payment authorization information may be authenticated based at least in part on the recording. A payment credential may be communicated in response to authenticating the payment authorization information.
    Type: Grant
    Filed: March 13, 2013
    Date of Patent: October 2, 2018
    Assignee: First Data Corporation
    Inventors: William D. Anderson, Vijay Kumar Royyuru, Bradley T. Masterson, J. Scott Sanchez
  • Patent number: 10089617
    Abstract: Embodiments of the disclosure can include systems and methods for facilitating card present transactions. In one embodiment, a computer-implemented method for conducting card present transactions can be provided. The method can include receiving, by a merchant system comprising one or more computers, a request for a card present electronic commerce transaction on behalf of a consumer; determining, by the merchant system, an identifier of a mobile device of the consumer; obtaining, by the merchant system from the mobile device, validation information associated with a payment application stored on the mobile device; and outputting, by the merchant system for communication to an issuer system, a proposed card present transaction and the validation information.
    Type: Grant
    Filed: September 26, 2012
    Date of Patent: October 2, 2018
    Assignee: First Data Corporation
    Inventors: Vijay Kumar Royyuru, Todd Nuzum
  • Publication number: 20180276645
    Abstract: Methods, systems, and machine-readable media are disclosed for securely authorizing a financial transaction utilizing an electronic payment credential. According to one embodiment, a method of authorizing a financial transaction utilizing an electronic payment credential can comprise maintaining information identifying an account associated with the electronic payment credential. The information can also identify one or more electronic devices authorized to use the electronic payment credential. A request to authorize the transaction can be received. The request can include information identifying an electronic device presenting the payment credential. The transaction can be authorized based at least in part on the information identifying the account. Authorizing can comprise determining the electronic device presenting the payment credential is one of the electronic devices authorized to use the electronic payment credential.
    Type: Application
    Filed: March 19, 2018
    Publication date: September 27, 2018
    Applicant: First Data Corporation
    Inventors: Christopher L. Toomer, Steven E. Arthur
  • Patent number: 10083433
    Abstract: Embodiments of the disclosure relate to systems and methods for managing accounts associated with a proxy. In one embodiment, a method can include receiving a merchant ID associated with a merchant from either a user interface or a point of sale device associated with the merchant. The method can include receiving proxy information associated with a proxy from either the user interface or the point of sale device associated with the merchant. Further, the method can include determining a payment account associated with both the merchant and the proxy, based at least in part on the merchant ID or the proxy information, the payment account having a balance and selected from an account database. The method can include transmitting payment information associated with the payment account to either the user interface or the point of sale device, based at least in part on the merchant ID or the proxy information.
    Type: Grant
    Filed: June 3, 2014
    Date of Patent: September 25, 2018
    Assignee: First Data Corporation
    Inventor: Michael Hursta
  • Patent number: D837876
    Type: Grant
    Filed: November 24, 2015
    Date of Patent: January 8, 2019
    Assignee: First Data Corporation
    Inventors: David Frederick Lyons, Christopher Loew, Leonard Speiser, John Beatty, Eric Fuhs