Patents Assigned to First Data Corporation
  • 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
  • Publication number: 20210150504
    Abstract: Systems and methods for handling tokens. In one aspect, a token is intercepted by a data processor and a contact is made with a detokenization provider by the data processor. In another aspect, token service is aggregated. In another aspect, tokenization is extended to physical cards, to deter certain kinds of fraud.
    Type: Application
    Filed: January 29, 2021
    Publication date: May 20, 2021
    Applicant: First Data Corporation
    Inventors: Benjamin Rewis, Vijay K. Royyuru, Christopher T. Cox
  • Patent number: 11008193
    Abstract: A driveshaft for a reusable paper core includes a shaft body having a proximal end, a distal end, and a medial portion extending between the proximal end and the distal end. An outer periphery of the medial portion has a non-circular cross-sectional shape. The driveshaft includes one or more receptacles provided in an outer surface of the medial portion of the shaft body, a first bearing coupled with the distal end, a second bearing coupled with the proximal end, and one or more gear keys coupled with the proximal end. The one or more gear keys may be configured to transfer force from a rotating machine element to the driveshaft.
    Type: Grant
    Filed: April 7, 2020
    Date of Patent: May 18, 2021
    Assignee: FIRST DATA CORPORATION
    Inventors: Bradley Rodgers, Ron Weedin
  • Patent number: 10983959
    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: Grant
    Filed: October 26, 2017
    Date of Patent: April 20, 2021
    Assignee: FIRST DATA CORPORATION
    Inventors: Donna Williams, Jose Tinoco
  • Patent number: 10956913
    Abstract: Users of mobile devices communicate through a mobile gateway to a transaction processing system. The transaction processing system manages accounts, such as debit card accounts, for the users. The accounts include a main account for each user and sub accounts that are linked or related to the main account. Funds may be transferred between a main account and its linked sub accounts, including automatic funds transfer when a transaction (e.g., a payroll deposit from an employer or a debit transaction at a specified retailer) is made against the main account and meets certain parameters established by a user. Access to linked sub accounts is made through use of internal account IDs, rather than the account number of the main account.
    Type: Grant
    Filed: May 14, 2019
    Date of Patent: March 23, 2021
    Assignee: First Data Corporation
    Inventors: Jigar Desai, Francis Pavlik, Scott Sanchez, Scott Francis, Deneen Luxford, Eva Russo, Phillip Wiggins, Matthew Borenstein
  • Patent number: 10949826
    Abstract: Systems and methods for handling tokens. In one aspect, a token is intercepted by a data processor and a contact is made with a detokenization provider by the data processor. In another aspect, token service is aggregated. In another aspect, tokenization is extended to physical cards, to deter certain kinds of fraud.
    Type: Grant
    Filed: March 9, 2016
    Date of Patent: March 16, 2021
    Assignee: First Data Corporation
    Inventors: Benjamin Rewis, Vijay K. Royyuru, Christopher T. Cox
  • Publication number: 20210042446
    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: Application
    Filed: October 27, 2020
    Publication date: February 11, 2021
    Applicant: First Data Corporation
    Inventor: Christopher M. Mascaro
  • Patent number: 10846431
    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: April 16, 2018
    Date of Patent: November 24, 2020
    Assignee: First Data Corporation
    Inventor: Christopher M. Mascaro
  • Publication number: 20200329016
    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: April 9, 2019
    Publication date: October 15, 2020
    Applicant: First Data Corporation
    Inventors: Nicholas Aceto, Kevin Nathan, Kyle Nahrgang, Tom Catullo, Pete Foley, Bill Miller, Evan Broderick
  • Patent number: 10803515
    Abstract: Embodiments of the invention may relate to systems, methods, and apparatus for using a contactless transaction device reader with a computing system. According to one embodiment, a system for conducting a transaction on a personal computing system using a contactless transaction device may include a communications interface operable to connect with a network, a memory, a contactless transaction device reader operable to communicate wirelessly with a contactless transaction device, and a processor in communication with the memory, the communications interface, and the contactless transaction device reader.
    Type: Grant
    Filed: October 31, 2008
    Date of Patent: October 13, 2020
    Assignee: First Data Corporation
    Inventor: Daniel P Skowronek
  • Publication number: 20200320516
    Abstract: A gateway encryption service is used to ensure consistent, source independent tokenization for payment accounts and synchronizing payment account information with merchants. A consistent, evergreen merchant-facing token is generated and used for each payment account for the merchant, ensuring that regardless of the payment method used by the customer (e.g., plastic card point-of-sale, pay wallet, saved card information) for the same underlying account, the merchant has a single token. Further, if the account number for the underlying payment account changes (e.g., the card expires or is stolen) the merchant-facing token remains consistent. The evergreen token ensures that the system functions more efficiently, saving resources in processing and storage and ensuring less network traffic for failed transactions. The system further implements encryption and security despite the consistent tokenization, further saving resources.
    Type: Application
    Filed: April 1, 2020
    Publication date: October 8, 2020
    Applicant: First Data Corporation
    Inventors: Vijay Royyuru, Renee Goodheart, Lanny Byers, Timothy Horton, Kathryn Whalen, Lixia Zhu
  • Patent number: 10789585
    Abstract: An on-site consumer at a merchant location can obtain payment authorization and a payment method via a mobile device and mobile application from third-party payor that is not at the merchant location. The on-site consumer can select products for purchase and receive the price from the merchant POS device. The on-site consumer can initial the mobile application and select a third-party payor. A notification can be sent to the mobile or other device of the third-party payor. The third-party payor can elect to pay or decline the request and can select a payment method via the mobile application on their device. The decision of the third-party payor and any payment method can be transmitted to the mobile device of the on-site consumer and/or the merchant POS device. After the completion of the purchase, the mobile application can transmit an electronic receipt to the mobile device of the third-party payor.
    Type: Grant
    Filed: September 11, 2013
    Date of Patent: September 29, 2020
    Assignee: FIRST DATA CORPORATION
    Inventors: J. Scott Sanchez, Vijay Kumar Royyuru, Brent Dewayne Adkisson, Jerome Wendell Myers
  • Patent number: 10748129
    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: Grant
    Filed: March 19, 2018
    Date of Patent: August 18, 2020
    Assignee: First Data Corporation
    Inventors: Christopher L. Toomer, Steven E. Arthur
  • Patent number: 10749685
    Abstract: Provisioning a data rate includes receiving a digitally signed request from a requester device for data and appending the request to a distributed ledger. At least one set of digitally signed data is received from at least one data provider system. Each data set is appended to the ledger and a particular data set is selected from the at least one data set. The selected data set is provided to the requester device. A digitally signed command to provision the selected data set is received from the requester device. The command is digitally signed using the public key of the requester device. The command to provision the selected data set is appended to the ledger, causing the data provider system to be notified, and the selected data set is provisioned.
    Type: Grant
    Filed: December 4, 2017
    Date of Patent: August 18, 2020
    Assignee: First Data Corporation
    Inventors: John Staple, Brian Frey, Lee Korotzer, Guillaume Lebleu
  • Patent number: 10740768
    Abstract: Embodiments of the present disclosure provide systems and methods for increasing participation in loyalty programs. In embodiments, the customer opts into a loyalty program. The customer is then provided with information about his or her loyalty participation and also is provided with information about one or more other customer's participation in the loyalty program. In another embodiment, one or more loyalty members can form their own competition or group within the loyalty program. The members can create loyalty sub-program rules for a competition and allow fellow loyalty members to participate in the competition. The customizable loyalty sub-program competitions further enhance member participation.
    Type: Grant
    Filed: October 10, 2017
    Date of Patent: August 11, 2020
    Assignee: First Data Corporation
    Inventors: Dan Skowronek, Sunil Dewan, Kevin Knowles, Stuart Kiefer
  • Publication number: 20200231405
    Abstract: A driveshaft for a reusable paper core includes a shaft body having a proximal end, a distal end, and a medial portion extending between the proximal end and the distal end. An outer periphery of the medial portion has a non-circular cross-sectional shape. The driveshaft includes one or more receptacles provided in an outer surface of the medial portion of the shaft body, a first bearing coupled with the distal end, a second bearing coupled with the proximal end, and one or more gear keys coupled with the proximal end. The one or more gear keys may be configured to transfer force from a rotating machine element to the driveshaft.
    Type: Application
    Filed: April 7, 2020
    Publication date: July 23, 2020
    Applicant: First Data Corporation
    Inventors: Bradley Rodgers, Ron Weedin
  • Publication number: 20200226568
    Abstract: A computer-implemented method of conducting wireless transaction includes receiving, using an antenna of a point of sale device, one or more electromagnetic signals from a mobile device of a customer. The electromagnetic signals are interpreted using a communications module of the point of sale device to determine information related to a financial account of the customer. Using a network interface of the point of sale device, a connection with an acquirer system is initiated. Using the network interface a packet of data including an authorization request is transmitted over the connection to the acquirer system. The packet of data includes the information related to the financial account, a merchant identifier, a date, and a transaction amount. An authorization code is received from the acquirer system using the network interface. An electronic receipt is transmitted to the mobile device using the network interface.
    Type: Application
    Filed: March 25, 2020
    Publication date: July 16, 2020
    Applicant: First Data Corporation
    Inventors: Steven E. Arthur, Christopher L. Toomer, Sarah Owen, Theodore VanDeburg