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).

  • 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
    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
    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
    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
    Patent number: 10963866
    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: September 6, 2018
    Date of Patent: March 30, 2021
    Assignee: Worldpay, LLC
    Inventors: Bryan T. Bailey, Edward D. Paciolla
  • Combination payment card and methods thereof
    Patent number: 10956898
    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: August 7, 2018
    Date of Patent: March 23, 2021
    Assignee: Worldpay, LLC
    Inventors: Thomas E. Rafferty, Bryan T. Bailey, Christopher S. Postell
  • Merchant issued payment vehicles linked to preexisting financial accounts
    Patent number: 10922750
    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: August 27, 2019
    Date of Patent: February 16, 2021
    Assignee: Worldpay, LLC
    Inventor: Bryan T. Bailey
  • Systems, methods and apparatus for variable settlement accounts
    Patent number: 10915871
    Abstract: Systems and methods are provided for transferring settlement funds received into a pooled settlement account of an acquirer processor account to one of more financial accounts of a merchant. The transferring of the funds can be directed by one or more settlement rules defined by a merchant. The type of transfer method can be based on the type of financial account. Example types of transfers include Automated Clearing House (ACH) transfers and intrabank transfers.
    Type: Grant
    Filed: April 3, 2018
    Date of Patent: February 9, 2021
    Assignee: Worldpay, LLC
    Inventors: Thomas E. Rafferty, Bryan T. Bailey
  • Tokenizing sensitive data
    Patent number: 10489784
    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: August 7, 2018
    Date of Patent: November 26, 2019
    Assignee: Worldpay, LLC
    Inventors: Bryan T. Bailey, John Romer, Chris Doyle, Jeremy Gifford, Kevin Zibart
  • Merchant issued payment vehicles linked to preexisting financial accounts
    Patent number: 10438283
    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: February 8, 2018
    Date of Patent: October 8, 2019
    Assignee: Worldpay, LLC
    Inventor: Bryan T. Bailey
  • COMBINATION PAYMENT CARD AND METHODS THEREOF
    Publication number: 20190012659
    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: September 6, 2018
    Publication date: January 10, 2019
    Inventors: Bryan T. Bailey, Edward D. Paciolla
  • Combination payment card and methods thereof
    Patent number: 10096020
    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: March 21, 2014
    Date of Patent: October 9, 2018
    Assignee: Worldpay, LLC
    Inventors: Bryan T. Bailey, Edward D. Paciolla
  • Combination payment card and methods thereof
    Patent number: 10078833
    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: March 21, 2014
    Date of Patent: September 18, 2018
    Assignee: Worldpay, LLC
    Inventors: Thomas E. Rafferty, Bryan T. Bailey, Christopher S. Postell
  • Tokenizing sensitive data
    Patent number: 10068229
    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: September 6, 2017
    Date of Patent: September 4, 2018
    Assignee: Worldpay, LLC
    Inventors: Bryan T. Bailey, John Romer, Chris Doyle, Jeremy Gifford, Kevin Zibart
  • Systems, methods and apparatus for variable settlement accounts
    Patent number: 9965749
    Abstract: Systems and methods are provided for transferring settlement funds received into a pooled settlement account of an acquirer processor account to one or more financial accounts of a merchant. The transferring of the funds can be directed by one or more settlement rules defined by a merchant. The type of transfer method can be based on the type of financial account. Example types of transfers include Automated Clearing House (ACH) transfers and intrabank transfers.
    Type: Grant
    Filed: February 25, 2014
    Date of Patent: May 8, 2018
    Assignee: Vantiv, LLC
    Inventors: Thomas E. Rafferty, Bryan T. Bailey