Patents by Inventor Andrew Wind

Andrew Wind 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).

  • SYSTEMS AND METHODS FOR DYNAMIC APPLICATION OF TOKENS IN CREDIT AUTHORIZATION
    Publication number: 20250278718
    Abstract: A computer-implemented method for optimizing transaction authorization conversion rates based on the use of network tokens may include receiving, at an acquirer processor, a payment transaction from a merchant, determining whether the payment transaction includes a network token, upon determining that the payment transaction does not include a network token, determining whether the payment transaction should be modified to include a network token based on a likelihood that the payment transaction will be authorized by a financial institution will be increased when the payment transaction includes a network token, upon determining whether the payment transaction should be modified to include a network token, obtaining a network token for the payment transaction, and modifying the payment transaction to include the obtained network token, and submitting the modified payment transaction to the financial institution for processing.
    Type: Application
    Filed: May 20, 2025
    Publication date: September 4, 2025
    Inventors: Andrew WIND, Derrick KOES, Tao HONG
  • Systems and methods for dynamic application of tokens in credit authorization
    Patent number: 12333525
    Abstract: A computer-implemented method for optimizing transaction authorization conversion rates based on the use of network tokens may include receiving, at an acquirer processor, a payment transaction from a merchant, determining whether the payment transaction includes a network token, upon determining that the payment transaction does not include a network token, determining whether the payment transaction should be modified to include a network token based on a likelihood that the payment transaction will be authorized by a financial institution will be increased when the payment transaction includes a network token, upon determining whether the payment transaction should be modified to include a network token, obtaining a network token for the payment transaction, and modifying the payment transaction to include the obtained network token, and submitting the modified payment transaction to the financial institution for processing.
    Type: Grant
    Filed: December 18, 2019
    Date of Patent: June 17, 2025
    Assignee: Worldpay, LLC
    Inventors: Andrew Wind, Derrick Koes, Tao Hong
  • Conducting secure retail transactions using a mobile wallet system
    Patent number: 10755278
    Abstract: A mobile payment system for a retail environment enables customers to securely use their mobile device to pay for goods purchased at a point-of-sale (POS) system, regardless of whether the mobile device has cellular service or is connected to a network.
    Type: Grant
    Filed: March 10, 2020
    Date of Patent: August 25, 2020
    Assignee: TARGET BRANDS, INC.
    Inventors: Kevin Mun Weng Cheong, Andrew Wind
  • CONDUCTING SECURE RETAIL TRANSACTIONS USING A MOBILE WALLET SYSTEM
    Publication number: 20200211015
    Abstract: A mobile payment system for a retail environment enables customers to securely use their mobile device to pay for goods purchased at a point-of-sale (POS) system, regardless of whether the mobile device has cellular service or is connected to a network.
    Type: Application
    Filed: March 10, 2020
    Publication date: July 2, 2020
    Inventors: Kevin Mun Weng Cheong, Andrew Wind
  • Conducting secure retail transactions using a mobile wallet system
    Patent number: 10643211
    Abstract: A mobile payment system for a retail environment enables customers to securely use their mobile device to pay for goods purchased at a point-of-sale (POS) system, regardless of whether the mobile device has cellular service or is connected to a network.
    Type: Grant
    Filed: October 16, 2019
    Date of Patent: May 5, 2020
    Assignee: TARGET BRANDS, INC.
    Inventors: Kevin Mun Weng Cheong, Andrew Wind
  • CONDUCTING SECURE RETAIL TRANSACTIONS USING A MOBILE WALLET SYSTEM
    Publication number: 20200051086
    Abstract: A mobile payment system for a retail environment enables customers to securely use their mobile device to pay for goods purchased at a point-of-sale (POS) system, regardless of whether the mobile device has cellular service or is connected to a network.
    Type: Application
    Filed: October 16, 2019
    Publication date: February 13, 2020
    Inventors: Kevin Mun Weng Cheong, Andrew Wind
  • Conducting secure retail transactions using a mobile wallet system
    Patent number: 10475031
    Abstract: A mobile payment system for a retail environment enables customers to securely use their mobile device to pay for goods purchased at a point-of-sale (POS) system, regardless of whether the mobile device has cellular service or is connected to a network.
    Type: Grant
    Filed: December 14, 2016
    Date of Patent: November 12, 2019
    Assignee: TARGET BRANDS, INC.
    Inventors: Kevin Mun Weng Cheong, Andrew Wind
  • CONDUCTING SECURE RETAIL TRANSACTIONS USING A MOBILE WALLET SYSTEM
    Publication number: 20180165669
    Abstract: A mobile payment system for a retail environment enables customers to securely use their mobile device to pay for goods purchased at a point-of-sale (POS) system, regardless of whether the mobile device has cellular service or is connected to a network.
    Type: Application
    Filed: December 14, 2016
    Publication date: June 14, 2018
    Inventors: Kevin Mun Weng Cheong, Andrew Wind