Patents by Inventor Todd Nuzum

Todd Nuzum 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: 10176489
    Abstract: A transaction is conducted at a merchant location using redeemed loyalty points maintained in a loyalty point account for a customer. The transactions are conducted using a mobile device at a POS terminal. In response to receiving a customer ID from the mobile device, a loyalty server provides the monetary value of loyalty points. The customer may use the mobile device to redeem those points and have the value transferred into a financial account. A payment processing system connected to the POS terminal completes the transaction using the financial account.
    Type: Grant
    Filed: August 21, 2014
    Date of Patent: January 8, 2019
    Assignee: First Data Corporation
    Inventors: Todd Nuzum, Brian Friedman, Virginia G. Sayor
  • Patent number: 10089617
    Abstract: Embodiments of the disclosure can include systems and methods for facilitating card present transactions. In one embodiment, a computer-implemented method for conducting card present transactions can be provided. The method can include receiving, by a merchant system comprising one or more computers, a request for a card present electronic commerce transaction on behalf of a consumer; determining, by the merchant system, an identifier of a mobile device of the consumer; obtaining, by the merchant system from the mobile device, validation information associated with a payment application stored on the mobile device; and outputting, by the merchant system for communication to an issuer system, a proposed card present transaction and the validation information.
    Type: Grant
    Filed: September 26, 2012
    Date of Patent: October 2, 2018
    Assignee: First Data Corporation
    Inventors: Vijay Kumar Royyuru, Todd Nuzum
  • Patent number: 10049364
    Abstract: A method for detecting fraudulent use of a payment media using a transit server includes receiving, at a transit server, an input from a payment media as part of a payment transaction at a first transit fare vending machine. The input includes an account identifier associated with a payment account of the payment media. Authentication information is received and an authentication request is communicated to an issuer of the payment account. The authentication request includes the account identifier. Information indicative of improper use of the payment media is received from one or more of a second transit fare vending machine or the issuer of the payment account. A determination is made, based on the information, that the payment media is being used improperly. An improper use alert is communicated to an enforcement authority. The improper use alert includes identification information related to the payment transaction.
    Type: Grant
    Filed: December 4, 2015
    Date of Patent: August 14, 2018
    Assignee: Cubic Corporation
    Inventors: Todd Nuzum, David Blue, Robert McEntee
  • Publication number: 20160162895
    Abstract: A method for detecting fraudulent use of a payment media using a transit server includes receiving, at a transit server, an input from a payment media as part of a payment transaction at a first transit fare vending machine. The input includes an account identifier associated with a payment account of the payment media. Authentication information is received and an authentication request is communicated to an issuer of the payment account. The authentication request includes the account identifier. Information indicative of improper use of the payment media is received from one or more of a second transit fare vending machine or the issuer of the payment account. A determination is made, based on the information, that the payment media is being used improperly. An improper use alert is communicated to an enforcement authority. The improper use alert includes identification information related to the payment transaction.
    Type: Application
    Filed: December 4, 2015
    Publication date: June 9, 2016
    Applicant: Cubic Corporation
    Inventors: Todd Nuzum, David Blue, Robert McEntee
  • Publication number: 20150356558
    Abstract: A method for authenticating a user of a transit system includes creating a user account associated with a user of a transit system and receiving a display identifier associated with a payment account of the user. The display identifier is visible on a payment media associated with the payment account. A first ridership challenge answer is requested and received. A second ridership challenge answer is requested based on the received first ridership challenge answer. The second ridership challenge answer is received. The ridership challenge answers are related to interactions of the user within the transit system. A transaction identifier is identified as being associated with the payment account based on the ridership challenge answers. The display identifier is linked with the transaction identifier. The display identifier and the transaction identifier are at least partially distinct from one another. Both the identifiers are associated with the user account.
    Type: Application
    Filed: June 9, 2015
    Publication date: December 10, 2015
    Inventors: Todd Nuzum, Robert McEntee
  • Publication number: 20150046245
    Abstract: A transaction is conducted at a merchant location using redeemed loyalty points maintained in a loyalty point account for a customer. The transactions are conducted using a mobile device at a POS terminal. In response to receiving a customer ID from the mobile device, a loyalty server provides the monetary value of loyalty points. The customer may use the mobile device to redeem those points and have the value transferred into a financial account. A payment processing system connected to the POS terminal completes the transaction using the financial account.
    Type: Application
    Filed: August 21, 2014
    Publication date: February 12, 2015
    Applicant: FIRST DATA CORPORATION
    Inventors: Todd Nuzum, Brian Friedman, Virginia G. Sayor
  • Patent number: 8838472
    Abstract: A transaction is conducted at a merchant location using redeemed loyalty points maintained in a loyalty point account for a customer. The transactions are conducted using a mobile device at a POS terminal. In response to receiving a customer ID from the mobile device, a loyalty server provides the monetary value of loyalty points. The customer may use the mobile device to redeem those points and have the value transferred into a financial account. A payment processing system connected to the POS terminal completes the transaction using the financial account.
    Type: Grant
    Filed: August 14, 2007
    Date of Patent: September 16, 2014
    Assignee: First Data Corporation
    Inventors: Todd Nuzum, Brian Friedman, Virginia G. Sayor
  • Publication number: 20090048916
    Abstract: A transaction is conducted at a merchant location using redeemed loyalty points maintained in a loyalty point account for a customer. The transactions are conducted using a mobile device at a POS terminal. In response to receiving a customer ID from the mobile device, a loyalty server provides the monetary value of loyalty points. The customer may use the mobile device to redeem those points and have the value transferred into a financial account. A payment processing system connected to the POS terminal completes the transaction using the financial account.
    Type: Application
    Filed: August 14, 2007
    Publication date: February 19, 2009
    Applicant: First Data Corporation
    Inventors: Todd Nuzum, Brian Friedman, Virginia G. Sayor
  • Publication number: 20060206351
    Abstract: The present invention provides systems and methods for registering frequent travelers and for confirming traveler identities so that a more streamlined procedure may be used during security checks prior to departure of the registered traveler. One such method includes receiving a customer data set and a customer biometric with a controller, and transmitting at least a portion of the data set to a remote system. In some embodiments the remote system is a background check system, such as an FBI database system for checking whether the individual associated with the biometric is wanted by local, state or federal authorities, is on a terrorist watchlist, and the like. The method includes receiving a response from the remote system, and creating a registered traveler record using the customer data set and the customer biometric. In this manner, a customer can become a registered traveler, after providing various data and biometric(s), and submitting to a background check.
    Type: Application
    Filed: March 3, 2006
    Publication date: September 14, 2006
    Applicant: First Data Corporation
    Inventors: Michael Hodges, Roger Musfeldt, Don Alvarado, Curt Beeson, Todd Nuzum
  • Publication number: 20050108121
    Abstract: According to the invention, a payment system for open loop stored benefit products is disclosed. The payment system includes a web-accessible platform, a web interface, a credit processing system, and a translation system. The web-accessible platform is available to a payor for purchase of a stored value account for use by a payee. The web-accessible platform communicates with a first application interface. The stored benefit account is backed by an account issuer and is accepted by a network of unrelated merchants who accept payments from the account issuer. The web interface allows the payor and/or the payee to interact with the web-accessible platform. The credit processing system communicates with a second application interface. The translation system translates between the first application interface and the second application interface.
    Type: Application
    Filed: November 14, 2003
    Publication date: May 19, 2005
    Applicant: First Data Corporation
    Inventors: Amber Gravett, Todd Nuzum, Richard Klein
  • Publication number: 20050103841
    Abstract: A method for ordering a plurality of presentation instruments in a single order includes receiving at a host computer system a request from a purchaser to order the plurality of presentation instruments. The method also includes sending one or more files that are executable by a computer of the purchaser to produce one or more corresponding display screens programmed to collect purchase information relating to the plurality of presentation instruments. The method further includes receiving at the host computer system the purchase information from the purchaser. The purchase information includes a recipient information file. The method also includes delivering the presentation instruments in accordance with the purchase information.
    Type: Application
    Filed: February 26, 2004
    Publication date: May 19, 2005
    Applicant: First Data Corporation
    Inventors: Kevin Morrison, Todd Nuzum, Douglas Presser, John Killion
  • Publication number: 20050108159
    Abstract: According to the invention, a method for creating an open network stored benefit account by a purchaser for the benefit of a recipient is disclosed. In one step, a first message is received and includes a purchaser account identifier. The purchaser account identifier and other account information is entered by the purchaser with a web interface. A first message that is received with an application interface of a credit processing system is processed. The purchaser account identifier is used to fund a stored benefit account. A first message response is returned with the application interface that can be used to determining if a first message response is consistent with the other account information. A second message is received with the application interface. The second message is processed and includes recipient account information. The stored benefit account is created with the recipient account information and is backed by an account issuer.
    Type: Application
    Filed: November 14, 2003
    Publication date: May 19, 2005
    Applicant: First Data Corporation
    Inventors: Amber Gravett, Todd Nuzum, Thomas McNally, Douglas Presser