Patents by Inventor Bryan T. Bailey

Bryan T. Bailey 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).

  • TOKENIZING SENSITIVE DATA
    Publication number: 20260080398
    Abstract: Included are embodiments for tokenizing sensitive data. Some embodiments of systems and/or methods are configured to receive sensitive data from a vendor, determine a token key for the vendor, and utilize a proprietary algorithm, based on the token key to generate a vendor-specific token that is associated with the sensitive data. Some embodiments include creating a token identifier that comprises data related to the token key sending the vendor-specific token and the token identifier to the vendor.
    Type: Application
    Filed: November 25, 2025
    Publication date: March 19, 2026
    Inventors: Bryan T. BAILEY, John ROMER, Chris DOYLE, Jeremy GIFFORD, Kevin ZIBART
  • Tokenizing sensitive data
    Patent number: 12505433
    Abstract: Included are embodiments for tokenizing sensitive data. Some embodiments of systems and/or methods are configured to receive sensitive data from a vendor, determine a token key for the vendor, and utilize a proprietary algorithm, based on the token key to generate a vendor-specific token that is associated with the sensitive data. Some embodiments include creating a token identifier that comprises data related to the token key sending the vendor-specific token and the token identifier to the vendor.
    Type: Grant
    Filed: November 20, 2023
    Date of Patent: December 23, 2025
    Assignee: Worldpay, LLC
    Inventors: Bryan T. Bailey, John Romer, Chris Doyle, Jeremy Gifford, Kevin Zibart
  • MERCHANT ISSUED PAYMENT VEHICLES LINKED TO PREEXISTING FINANCIAL ACCOUNTS
    Publication number: 20250342523
    Abstract: Systems and methods are provided for linking a customer's preexisting financial account to a merchant issued payment vehicle. If an account number associated with the preexisting financial account changes, the linking of the merchant issued payment vehicle is updated with an updated account number.
    Type: Application
    Filed: July 16, 2025
    Publication date: November 6, 2025
    Inventor: Bryan T. BAILEY
  • Combination payment card and methods thereof
    Patent number: 12423675
    Abstract: Systems and methods for processing payment transactions using combination payment cards. The combination payment card is associated with an open-loop account and one or more closed-loop accounts. Transaction information is received from a point-of-sale device. At least one of the closed-loop and open-loop account is debited.
    Type: Grant
    Filed: February 8, 2022
    Date of Patent: September 23, 2025
    Assignee: Worldpay, LLC
    Inventors: Bryan T. Bailey, Edward D. Paciolla
  • Merchant issued payment vehicles linked to preexisting financial accounts
    Patent number: 12387259
    Abstract: Systems and methods are provided for linking a customer's preexisting financial account to a merchant issued payment vehicle. If an account number associated with the preexisting financial account changes, the linking of the merchant issued payment vehicle is updated with an updated account number.
    Type: Grant
    Filed: June 16, 2023
    Date of Patent: August 12, 2025
    Assignee: Worldpay, LLC
    Inventor: Bryan T. Bailey
  • Combination payment card and methods thereof
    Patent number: 12131310
    Abstract: Systems and methods for processing payment transactions using combination payment cards. The combination payment card is associated with an open-loop account and one or more closed-loop accounts. Transaction information is received from a point-of-sale device. At least one of the closed-loop and open-loop account is debited.
    Type: Grant
    Filed: May 19, 2023
    Date of Patent: October 29, 2024
    Assignee: Worldpay, LLC
    Inventors: Thomas E. Rafferty, Bryan T. Bailey, Christopher S. Postell
  • TOKENIZING SENSITIVE DATA
    Publication number: 20240086908
    Abstract: Included are embodiments for tokenizing sensitive data. Some embodiments of systems and/or methods are configured to receive sensitive data from a vendor, determine a token key for the vendor, and utilize a proprietary algorithm, based on the token key to generate a vendor-specific token that is associated with the sensitive data. Some embodiments include creating a token identifier that comprises data related to the token key sending the vendor-specific token and the token identifier to the vendor.
    Type: Application
    Filed: November 20, 2023
    Publication date: March 14, 2024
    Inventors: Bryan T. BAILEY, John ROMER, Chris DOYLE, Jeremy GIFFORD, Kevin ZIBART
  • Tokenizing sensitive data
    Patent number: 11861603
    Abstract: Some systems and/or methods are configured to receive sensitive data from a vendor, determine a token key for the vendor, and utilize a proprietary algorithm, based on the token key to generate a vendor-specific token that is associated with the sensitive data. A token identifier may be created that comprises data related to the token key sending the vendor-specific token and the token identifier to the vendor.
    Type: Grant
    Filed: September 30, 2021
    Date of Patent: January 2, 2024
    Assignee: Worldpay, LLC
    Inventors: Bryan T. Bailey, John Romer, Chris Doyle, Jeremy Gifford, Kevin Zibart
  • MERCHANT ISSUED PAYMENT VEHICLES LINKED TO PREEXISTING FINANCIAL ACCOUNTS
    Publication number: 20230334562
    Abstract: Systems and methods are provided for linking a customer's preexisting financial account to a merchant issued payment vehicle. If an account number associated with the preexisting financial account changes, the linking of the merchant issued payment vehicle is updated with an updated account number.
    Type: Application
    Filed: June 16, 2023
    Publication date: October 19, 2023
    Inventor: Bryan T. BAILEY
  • SYSTEMS, METHODS AND APPARATUS FOR VARIABLE SETTLEMENT ACCOUNTS
    Publication number: 20230306386
    Abstract: Systems and methods for transferring funds from an acquirer processor account to one or more financial accounts. The transferring of the funds can be directed by one or more settlement rules defined by a merchant.
    Type: Application
    Filed: May 31, 2023
    Publication date: September 28, 2023
    Inventors: Thomas E. RAFFERTY, Bryan T. BAILEY
  • COMBINATION PAYMENT CARD AND METHODS THEREOF
    Publication number: 20230289774
    Abstract: Systems and methods for processing payment transactions using combination payment cards. The combination payment card is associated with an open-loop account and one or more closed-loop accounts. Transaction information is received from a point-of-sale device. At least one of the closed-loop and open-loop account is debited.
    Type: Application
    Filed: May 19, 2023
    Publication date: September 14, 2023
    Inventors: Thomas E. RAFFERTY, Bryan T. BAILEY, Christopher S. POSTELL
  • Merchant issued payment vehicles linked to preexisting financial accounts
    Patent number: 11720957
    Abstract: Systems and methods are provided for linking a customer's preexisting financial account to a merchant issued payment vehicle. If an account number associated with the preexisting financial account changes, the linking of the merchant issued payment vehicle is updated with an updated account number.
    Type: Grant
    Filed: January 14, 2021
    Date of Patent: August 8, 2023
    Assignee: Worldpay, LLC
    Inventor: Bryan T. Bailey
  • Systems, methods and apparatus for variable settlement accounts
    Patent number: 11704633
    Abstract: Systems and methods for transferring funds from an acquirer processor account to one or more financial accounts. The transferring of the funds can be directed by one or more settlement rules defined by a merchant.
    Type: Grant
    Filed: November 24, 2020
    Date of Patent: July 18, 2023
    Assignee: Worldpay, LLC
    Inventors: Thomas E. Rafferty, Bryan T. Bailey
  • Combination payment card and methods thereof
    Patent number: 11694186
    Abstract: Systems and methods for processing payment transactions using combination payment cards. The combination payment card is associated with an open-loop account and one or more closed-loop accounts. Transaction information is received from a point-of-sale device. At least one of the closed-loop and open-loop account is debited.
    Type: Grant
    Filed: February 18, 2021
    Date of Patent: July 4, 2023
    Assignee: Worldpay, LLC
    Inventors: Thomas E. Rafferty, Bryan T. Bailey, Christopher S. Postell
  • COMBINATION PAYMENT CARD AND METHODS THEREOF
    Publication number: 20220164785
    Abstract: Systems and methods for processing payment transactions using combination payment cards. The combination payment card is associated with an open-loop account and one or more closed-loop accounts. Transaction information is received from a point-of-sale device. At least one of the closed-loop and open-loop account is debited.
    Type: Application
    Filed: February 8, 2022
    Publication date: May 26, 2022
    Inventors: Bryan T. Bailey, Edward D. Paciolla
  • Combination payment card and methods thereof
    Patent number: 11282070
    Abstract: Systems and methods for processing payment transactions using combination payment cards. The combination payment card is associated with an open-loop account and one or more closed-loop accounts. Transaction information is received from a point-of-sale device. At least one of the closed-loop and open-loop account is debited.
    Type: Grant
    Filed: February 23, 2021
    Date of Patent: March 22, 2022
    Assignee: Worldpay, LLC
    Inventors: Bryan T. Bailey, Edward D. Paciolla
  • TOKENIZING SENSITIVE DATA
    Publication number: 20220020013
    Abstract: Included are embodiments for tokenizing sensitive data. Some embodiments of systems and/or methods are configured to receive sensitive data from a vendor, determine a token key for the vendor, and utilize a proprietary algorithm, based on the token key to generate a vendor-specific token that is associated with the sensitive data. Some embodiments include creating a token identifier that comprises data related to the token key sending the vendor-specific token and the token identifier to the vendor.
    Type: Application
    Filed: September 30, 2021
    Publication date: January 20, 2022
    Inventors: Bryan T. BAILEY, John ROMER, Chris DOYLE, Jeremy GIFFORD, Kevin ZIBART
  • Tokenizing sensitive data
    Patent number: 11164183
    Abstract: Included are embodiments for tokenizing sensitive data. Some embodiments of systems and/or methods are configured to receive sensitive data from a vendor, determine a token key for the vendor, and utilize a proprietary algorithm, based on the token key to generate a vendor-specific token that is associated with the sensitive data. Some embodiments include creating a token identifier that comprises data related to the token key sending the vendor-specific token and the token identifier to the vendor.
    Type: Grant
    Filed: October 18, 2019
    Date of Patent: November 2, 2021
    Assignee: Worldpay, LLC
    Inventors: Bryan T. Bailey, John Romer, Chris Doyle, Jeremy Gifford, Kevin Zibart
  • COMBINATION PAYMENT CARD AND METHODS THEREOF
    Publication number: 20210174340
    Abstract: Systems and methods for processing payment transactions using combination payment cards. The combination payment card is associated with an open-loop account and one or more closed-loop accounts. Transaction information is received from a point-of-sale device. At least one of the closed-loop and open-loop account is debited.
    Type: Application
    Filed: February 18, 2021
    Publication date: June 10, 2021
    Inventors: Thomas E. RAFFERTY, Bryan T. BAILEY, Christopher S. POSTELL
  • COMBINATION PAYMENT CARD AND METHODS THEREOF
    Publication number: 20210174342
    Abstract: Systems and methods for processing payment transactions using combination payment cards. The combination payment card is associated with an open-loop account and one or more closed-loop accounts. Transaction information is received from a point-of-sale device. At least one of the closed-loop and open-loop account is debited.
    Type: Application
    Filed: February 23, 2021
    Publication date: June 10, 2021
    Inventors: Bryan T. BAILEY, Edward D. PACIOLLA