Patents by Inventor Brent Alan Badger
Brent Alan Badger 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).
-
Patent number: 11928701Abstract: Technologies for enhancing credit transactions include a point of sale computing system. The point of sale computing system receives payment vehicle data for a credit transaction associated with a purchase event. The point of sale computing system determines whether the credit transaction is an alternate routing candidate. The point of sale computing system routes an authorization request message to an issuer computing system via a payment card network in response to a determination that the credit transaction is not an alternate routing candidate. Alternatively, the point of sale computing system routes the authorization request message directly to the issuer computing system via a PIN debit network in response to a determination that the credit transaction is an alternate routing candidate. A corresponding authorization response message is received by the point of sale computing system via the payment card network or the PIN debit network. Other embodiments are described and claimed.Type: GrantFiled: October 23, 2020Date of Patent: March 12, 2024Assignee: Worldpay, LLCInventors: Brent Alan Badger, Jacob Matthew Sterling
-
Publication number: 20230102124Abstract: Technologies for identifying prospective marketing targets based on payment vehicle-based payment transactions processed over electronic payment networks are disclosed. Payment vehicle-based payment transactions are analyzed to determine historical purchase activity progressions. Consumer behavior can be mapped to a historical purchase activity progression so that future spend behavior of the consumer can be identified.Type: ApplicationFiled: November 3, 2022Publication date: March 30, 2023Inventors: Scott Wayne DeANGELO, Brent Alan BADGER, Jacob Matthew STERLING, Dennis A. KETTLER
-
Publication number: 20220198521Abstract: Systems and methods for applying a promotion to a payment transaction originating at a point of sale system of a merchant are described. Transactional information is provided to an acquirer computing system of the merchant. Based on identifying indicia associated with the transactional information, the acquirer computing system determines whether to modify the payment transaction messaging before communicating it along to an issuer computing system.Type: ApplicationFiled: March 9, 2022Publication date: June 23, 2022Inventors: Jacob Matthew STERLING, Brent Alan BADGER
-
Patent number: 11308521Abstract: Systems and methods for applying a promotion to a payment transaction originating at a point of sale system of a merchant are described. Transactional information is provided to an acquirer computing system of the merchant. Based on identifying indicia associated with the transactional information, the acquirer computing system determines whether to modify the payment transaction messaging before communicating it along to an issuer computing system.Type: GrantFiled: November 30, 2020Date of Patent: April 19, 2022Assignee: Worldpay, LLCInventors: Jacob Matthew Sterling, Brent Alan Badger
-
Publication number: 20220020057Abstract: Technologies for identifying prospective marketing targets based on payment vehicle-based payment transactions processed over electronic payment networks are disclosed. Payment vehicle-based payment transactions are analyzed to determine historical purchase activity progressions. Consumer behavior can be mapped to a historical purchase activity progression so that future spend behavior of the consumer can be identified.Type: ApplicationFiled: September 30, 2021Publication date: January 20, 2022Inventors: Scott Wayne DeAngelo, Brent Alan Badger, Jacob Matthew Sterling, Dennis A. Kettler
-
Publication number: 20220020048Abstract: Technologies for enhancing payment transactions include an acquirer computing system. The acquirer computing system receives a payment authorization request message for a payment transaction associated with a purchase event and event-specific data corresponding to the purchase event. An offer identification query is transmitted to a promotion management computing system via an out-of-band communications channel. Offer redemption instructions corresponding to a matched offer are received from the promotion management computing system via the out-of-band communications channel. Based on the redemption value of the matched offer, a net transaction amount for the purchase event is determined. The payment authorization request message is modified based on the determined net transaction amount. The modified payment authorization request message is transmitted to an issuer computing system via an in-band communications channel.Type: ApplicationFiled: September 30, 2021Publication date: January 20, 2022Inventors: Brent Alan BADGER, Jacob Matthew STERLING
-
Patent number: 11200597Abstract: Technologies for identifying prospective marketing targets based on payment vehicle-based payment transactions processed over electronic payment networks are disclosed. Payment vehicle-based payment transactions are analyzed to determine historical purchase activity progressions. Consumer behavior can be mapped to a historical purchase activity progression so that future spend behavior of the consumer can be identified.Type: GrantFiled: January 7, 2016Date of Patent: December 14, 2021Assignee: Worldpay, LLCInventors: Scott Wayne DeAngelo, Brent Alan Badger, Jacob Matthew Sterling, Dennis A. Kettler
-
Patent number: 11170396Abstract: Technologies for enhancing payment transactions include an acquirer computing system. The acquirer computing system receives a payment authorization request message for a payment transaction associated with a purchase event and event-specific data corresponding to the purchase event. An offer identification query is transmitted to a promotion management computing system via an out-of-band communications channel. Offer redemption instructions corresponding to a matched offer are received from the promotion management computing system via the out-of-band communications channel. Based on the redemption value of the matched offer, a net transaction amount for the purchase event is determined. The payment authorization request message is modified based on the determined net transaction amount. The modified payment authorization request message is transmitted to an issuer computing system via an in-band communications channel.Type: GrantFiled: December 21, 2018Date of Patent: November 9, 2021Assignee: Worldpay, LLCInventors: Brent Alan Badger, Jacob Matthew Sterling
-
Publication number: 20210081996Abstract: Systems and methods for applying a promotion to a payment transaction originating at a point of sale system of a merchant are described. Transactional information is provided to an acquirer computing system of the merchant. Based on identifying indicia associated with the transactional information, the acquirer computing system determines whether to modify the payment transaction messaging before communicating it along to an issuer computing system.Type: ApplicationFiled: November 30, 2020Publication date: March 18, 2021Inventors: Jacob Matthew Sterling, Brent Alan Badger
-
Patent number: 10929888Abstract: Systems and methods for applying a promotion to a payment transaction originating at a point of sale system of a merchant are described. Transactional information is provided to an acquirer computing system of the merchant. Based on identifying indicia associated with the transactional information, the acquirer computing system determines whether to modify the payment transaction messaging before communicating it along to an issuer computing system.Type: GrantFiled: October 2, 2014Date of Patent: February 23, 2021Assignee: WORLDPAY, LLCInventors: Jacob Matthew Sterling, Brent Alan Badger
-
Publication number: 20210042778Abstract: Technologies for enhancing credit transactions include a point of sale computing system. The point of sale computing system receives payment vehicle data for a credit transaction associated with a purchase event. The point of sale computing system determines whether the credit transaction is an alternate routing candidate. The point of sale computing system routes an authorization request message to an issuer computing system via a payment card network in response to a determination that the credit transaction is not an alternate routing candidate. Alternatively, the point of sale computing system routes the authorization request message directly to the issuer computing system via a PIN debit network in response to a determination that the credit transaction is an alternate routing candidate. A corresponding authorization response message is received by the point of sale computing system via the payment card network or the PIN debit network. Other embodiments are described and claimed.Type: ApplicationFiled: October 23, 2020Publication date: February 11, 2021Inventors: Brent Alan BADGER, Jacob Matthew STERLING
-
Patent number: 10891645Abstract: Technologies for enhancing credit transactions include a point of sale computing system. The point of sale computing system receives payment vehicle data for a credit transaction associated with a purchase event. The point of sale computing system determines whether the credit transaction is an alternate routing candidate. The point of sale computing system routes an authorization request message to an issuer computing system via a payment card network in response to a determination that the credit transaction is not an alternate routing candidate. Alternatively, the point of sale computing system routes the authorization request message directly to the issuer computing system via a PIN debit network in response to a determination that the credit transaction is an alternate routing candidate. A corresponding authorization response message is received by the point of sale computing system via the payment card network or the PIN debit network. Other embodiments are described and claimed.Type: GrantFiled: April 22, 2019Date of Patent: January 12, 2021Assignee: Worldpay, LLCInventors: Brent Alan Badger, Jacob Matthew Sterling
-
Publication number: 20200357015Abstract: Technologies for providing consumer loyalty to merchants are provided. Payment transactions are monitored based on communications received from point of sale systems of merchants. Based on loyalty-based rules for the merchant, the purchase transaction can be modified to provide a stored benefit to the consumer. Tracking loyalty-based activity based on payment transactions can reduce the necessity for consumer involvement or registration with a merchant's loyalty program while increasing a merchant's ability to provide the consumer in meaningful marketing engagements.Type: ApplicationFiled: July 24, 2020Publication date: November 12, 2020Inventors: Brent Alan BADGER, Jacob Matthew STERLING
-
Patent number: 10810610Abstract: Technologies for providing consumer loyalty to merchants are provided. Payment transactions are monitored based on communications received from point of sale systems of merchants. Based on loyalty-based rules for the merchant, the purchase transaction can be modified to provide a stored benefit to the consumer. Tracking loyalty-based activity based on payment transactions can reduce the necessity for consumer involvement or registration with a merchant's loyalty program while increasing a merchant's ability to provide the consumer in meaningful marketing engagements.Type: GrantFiled: June 26, 2015Date of Patent: October 20, 2020Assignee: Worldpay, LLCInventors: Brent Alan Badger, Jacob Matthew Sterling
-
Publication number: 20190244234Abstract: Technologies for enhancing credit transactions include a point of sale computing system. The point of sale computing system receives payment vehicle data for a credit transaction associated with a purchase event. The point of sale computing system determines whether the credit transaction is an alternate routing candidate. The point of sale computing system routes an authorization request message to an issuer computing system via a payment card network in response to a determination that the credit transaction is not an alternate routing candidate. Alternatively, the point of sale computing system routes the authorization request message directly to the issuer computing system via a PIN debit network in response to a determination that the credit transaction is an alternate routing candidate. A corresponding authorization response message is received by the point of sale computing system via the payment card network or the PIN debit network. Other embodiments are described and claimed.Type: ApplicationFiled: April 22, 2019Publication date: August 8, 2019Applicant: Worldpay, LLCInventors: Brent Alan BADGER, Jacob Matthew STERLING
-
Patent number: 10304071Abstract: Technologies for enhancing credit transactions include a point of sale computing system. The point of sale computing system receives payment vehicle data for a credit transaction associated with a purchase event. The point of sale computing system determines whether the credit transaction is an alternate routing candidate. The point of sale computing system routes an authorization request message to an issuer computing system via a payment card network in response to a determination that the credit transaction is not an alternate routing candidate. Alternatively, the point of sale computing system routes the authorization request message directly to the issuer computing system via a PIN debit network in response to a determination that the credit transaction is an alternate routing candidate. A corresponding authorization response message is received by the point of sale computing system via the payment card network or the PIN debit network. Other embodiments are described and claimed.Type: GrantFiled: January 8, 2016Date of Patent: May 28, 2019Assignee: Worldpay, LLCInventors: Brent Alan Badger, Jacob Matthew Sterling
-
Patent number: 10198740Abstract: Technologies for enhancing payment transactions include an acquirer computing system. The acquirer computing system receives a payment authorization request message for a payment transaction associated with a purchase event and event-specific data corresponding to the purchase event. An offer identification query is transmitted to a promotion management computing system via an out-of-band communications channel. Offer redemption instructions corresponding to a matched offer are received from the promotion management computing system via the out-of-band communications channel. Based on the redemption value of the matched offer, a net transaction amount for the purchase event is determined. The payment authorization request message is modified based on the determined net transaction amount. The modified payment authorization request message is transmitted to an issuer computing system via an in-band communications channel.Type: GrantFiled: January 8, 2016Date of Patent: February 5, 2019Assignee: Worldpay, LLCInventors: Brent Alan Badger, Jacob Matthew Sterling
-
Publication number: 20170200192Abstract: Technologies for identifying prospective marketing targets based on payment vehicle-based payment transactions processed over electronic payment networks are disclosed. Payment vehicle-based payment transactions are analyzed to determine historical purchase activity progressions. Consumer behavior can be mapped to a historical purchase activity progression so that future spend behavior of the consumer can be identified.Type: ApplicationFiled: January 7, 2016Publication date: July 13, 2017Inventors: Scott Wayne DeAngelo, Brent Alan Badger, Jacob Matthew Sterling, Dennis A. Kettler
-
Publication number: 20160379241Abstract: Technologies for providing consumer loyalty to merchants are provided. Payment transactions are monitored based on communications received from point of sale systems of merchants. Based on loyalty-based rules for the merchant, the purchase transaction can be modified to provide a stored benefit to the consumer. Tracking loyalty-based activity based on payment transactions can reduce the necessity for consumer involvement or registration with a merchant's loyalty program while increasing a merchant's ability to provide the consumer in meaningful marketing engagements.Type: ApplicationFiled: June 26, 2015Publication date: December 29, 2016Inventors: Brent Alan Badger, Jacob Matthew Sterling
-
Publication number: 20160260115Abstract: Technologies for enhancing payment transactions include an acquirer computing system. The acquirer computing system receives a payment authorization request message for a payment transaction associated with a purchase event and event-specific data corresponding to the purchase event. An offer identification query is transmitted to a promotion management computing system via an out-of-band communications channel. Offer redemption instructions corresponding to a matched offer are received from the promotion management computing system via the out-of-band communications channel. Based on the redemption value of the matched offer, a net transaction amount for the purchase event is determined. The payment authorization request message is modified based on the determined net transaction amount. The modified payment authorization request message is transmitted to an issuer computing system via an in-band communications channel.Type: ApplicationFiled: January 8, 2016Publication date: September 8, 2016Inventors: Brent Alan Badger, Jacob Matthew Sterling