Patents by Inventor Michael Bay

Michael Bay 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).

  • Publication number: 20230206191
    Abstract: Payment platforms such as point of sale terminals can send test transactions to an acquirer processor certification and analytics system for certification of the payment platform's readiness to perform financial transaction processing with payment networks. A payment platform sends a test transaction to an acquirer processor and receives a unique request identifier. The request identifier and a test identifier associated with the test transaction are sent to an analytics engine that retrieves data associated with the test transaction from the acquirer processor, and expected values based on the test identifier. The analytics engine performs a comparison and determines a certification result for the payment platform based on the comparison. Based on certification results, authorization or licenses can be granted to payment platforms to use payment networks of the acquirer processor.
    Type: Application
    Filed: March 10, 2023
    Publication date: June 29, 2023
    Inventors: Johan Mattias NORDLOF, Douglas Michael BAY
  • Patent number: 11625693
    Abstract: Payment platforms such as point of sale terminals can send test transactions to an acquirer processor certification and analytics system for certification of the payment platform's readiness to perform financial transaction processing with payment networks. A payment platform sends a test transaction to an acquirer processor and receives a unique request identifier. The request identifier and a test identifier associated with the test transaction are sent to an analytics engine that retrieves data associated with the test transaction from the acquirer processor, and expected values based on the test identifier. The analytics engine performs a comparison and determines a certification result for the payment platform based on the comparison. Based on certification results, authorization or licenses can be granted to payment platforms to use payment networks of the acquirer processor.
    Type: Grant
    Filed: September 30, 2020
    Date of Patent: April 11, 2023
    Assignee: Worldpay, LLC
    Inventors: Johan Mattias Nordlof, Douglas Michael Bay
  • Patent number: 11003789
    Abstract: The invention relates to a data isolation system for targeted services. The system includes separate ID management systems used by data holders, service providers and additional parties. The ID management systems reconcile IDs between the systems without sending restricted information from a data holder or other party. In some embodiments, the system may reconcile separate third party IDs to determine common people or entities represented by the IDs.
    Type: Grant
    Filed: May 15, 2020
    Date of Patent: May 11, 2021
    Assignee: Epsilon Data Management, LLC
    Inventors: Neeraj Aggarwal, Dax Michael Bays, Edgar Denny, Ilya G. Ehrlich, Michael Henry Hurley
  • Publication number: 20210012298
    Abstract: Payment platforms such as point of sale terminals can send test transactions to an acquirer processor certification and analytics system for certification of the payment platform's readiness to perform financial transaction processing with payment networks. A payment platform sends a test transaction to an acquirer processor and receives a unique request identifier. The request identifier and a test identifier associated with the test transaction are sent to an analytics engine that retrieves data associated with the test transaction from the acquirer processor, and expected values based on the test identifier. The analytics engine performs a comparison and determines a certification result for the payment platform based on the comparison. Based on certification results, authorization or licenses can be granted to payment platforms to use payment networks of the acquirer processor.
    Type: Application
    Filed: September 30, 2020
    Publication date: January 14, 2021
    Inventors: Johan Mattias NORDLOF, Douglas Michael BAY
  • Patent number: 10824998
    Abstract: Payment platforms such as point of sale terminals can send test transactions to an acquirer processor certification and analytics system for certification of the payment platform's readiness to perform financial transaction processing with payment networks. A payment platform sends a test transaction to an acquirer processor and receives a unique request identifier. The request identifier and a test identifier associated with the test transaction are sent to an analytics engine that retrieves data associated with the test transaction from the acquirer processor, and expected values based on the test identifier. The analytics engine performs a comparison and determines a certification result for the payment platform based on the comparison. Based on certification results, authorization or licenses can be granted to payment platforms to use payment networks of the acquirer processor.
    Type: Grant
    Filed: September 6, 2018
    Date of Patent: November 3, 2020
    Assignee: Worldpay, LLC
    Inventors: Johan Mattias Nordlof, Douglas Michael Bay
  • Publication number: 20190005468
    Abstract: Payment platforms such as point of sale terminals can send test transactions to an acquirer processor certification and analytics system for certification of the payment platform's readiness to perform financial transaction processing with payment networks. A payment platform sends a test transaction to an acquirer processor and receives a unique request identifier. The request identifier and a test identifier associated with the test transaction are sent to an analytics engine that retrieves data associated with the test transaction from the acquirer processor, and expected values based on the test identifier. The analytics engine performs a comparison and determines a certification result for the payment platform based on the comparison. Based on certification results, authorization or licenses can be granted to payment platforms to use payment networks of the acquirer processor.
    Type: Application
    Filed: September 6, 2018
    Publication date: January 3, 2019
    Inventors: Johan Mattias NORDLOF, Douglas Michael BAY
  • Patent number: 10096007
    Abstract: Payment platforms such as point of sale terminals can send test transactions to an acquirer processor certification and analytics system for certification of the payment platform's readiness to perform financial transaction processing with payment networks. A payment platform sends a test transaction to an acquirer processor and receives a unique request identifier. The request identifier and a test identifier associated with the test transaction are sent to an analytics engine that retrieves data associated with the test transaction from the acquirer processor, and expected values based on the test identifier. The analytics engine performs a comparison and determines a certification result for the payment platform based on the comparison. Based on certification results, authorization or licenses can be granted to payment platforms to use payment networks of the acquirer processor.
    Type: Grant
    Filed: June 26, 2015
    Date of Patent: October 9, 2018
    Assignee: Worldpay, LLC
    Inventors: Johan Mattias Nordlof, Douglas Michael Bay
  • Publication number: 20160379181
    Abstract: Payment platforms such as point of sale terminals can send test transactions to an acquirer processor certification and analytics system for certification of the payment platform's readiness to perform financial transaction processing with payment networks. A payment platform sends a test transaction to an acquirer processor and receives a unique request identifier. The request identifier and a test identifier associated with the test transaction are sent to an analytics engine that retrieves data associated with the test transaction from the acquirer processor, and expected values based on the test identifier. The analytics engine performs a comparison and determines a certification result for the payment platform based on the comparison. Based on certification results, authorization or licenses can be granted to payment platforms to use payment networks of the acquirer processor.
    Type: Application
    Filed: June 26, 2015
    Publication date: December 29, 2016
    Inventors: Johan Mattias Nordlof, Douglas Michael Bay
  • Patent number: 8568661
    Abstract: An exhaust gas treatment device (1) for an exhaust system of an internal combustion engine, especially of a motor vehicle, has a multipart housing (2), which contains an oxidation-type catalytic converter unit (5) and, downstream therefrom, a particle filter unit (6) one after another in an axial direction extending in parallel to a longitudinal direction (3) of the housing. The housing (2) contains an inlet housing part (7), which has an exhaust gas inlet (8) and the oxidation-type catalytic converter unit (5), and an outlet housing part (9), which has an exhaust gas outlet (10) and into which the particle filter unit (6) axially protrudes.
    Type: Grant
    Filed: June 9, 2010
    Date of Patent: October 29, 2013
    Assignee: Eberspächer Exhaust Technology GmbH & Co. KG
    Inventors: Marcus Werni, Michael Bay, Wolfgang Datz
  • Publication number: 20110023471
    Abstract: An exhaust gas treatment device (1) for an exhaust system of an internal combustion engine, especially of a motor vehicle, has a multipart housing (2), which contains an oxidation-type catalytic converter unit (5) and, downstream therefrom, a particle filter unit (6) one after another in an axial direction extending in parallel to a longitudinal direction (3) of the housing. The housing (2) contains an inlet housing part (7), which has an exhaust gas inlet (8) and the oxidation-type catalytic converter unit (5), and an outlet housing part (9), which has an exhaust gas outlet (10) and into which the particle filter unit (6) axially protrudes.
    Type: Application
    Filed: June 9, 2010
    Publication date: February 3, 2011
    Inventors: Marcus WERNI, Michael Bay, Wolfgang Datz
  • Publication number: 20070296814
    Abstract: A process and camera system is provided for capturing and compressing video image information. The compressed data may be efficiently transmitted to another location, where cooperating decompression processes are used. The compression process first captures a background image, and transmits the background image to a receiver. For each subsequent image, the image is compared at the camera to the background image, and a change file is generated. The change file is then transmitted to the receiver, which uses the background image and the change file to decompress the image. These changes may be aggregated by both the camera and the receiver for even better compression. In some cases, the background may be removed from the displayed image at the receiver, thereby displaying only changing image information. In this way, a display is less cluttered, enabling more effective human or automated monitoring and assessment of the changing video information.
    Type: Application
    Filed: February 12, 2007
    Publication date: December 27, 2007
    Inventors: Benjamin Cooper, Michael Baies
  • Patent number: 5064652
    Abstract: A sterile sealed flexible package contains a transparent sheet-form wound dressing which comprises a wholly synthetic hydrophilic water-insoluble cross-linked polymer swollen with an aqueous liquid. The package is formed by introducing the sheet-form polymer and aqueous liquid into the flexible package, sealing the package and then sterilizing it in an autoclave in which the temperature and pressure are independently variable. The polymer is usually formed by polymerizing ethylenically unsaturated monomers, usually acrylic monomers, e.g. hydroxy alkyl (meth) acrylates and/or (meth) acrylic acid, with copolymerizable ethylenically unsaturated cross-linking agent, and is capable of absorbing at least its own dry weight of 0.9% by weight saline. The swollen polymer gel is used as a wound dressing.
    Type: Grant
    Filed: November 9, 1989
    Date of Patent: November 12, 1991
    Inventor: Michael Bay