Ebay, Incorporated

Paypal, Inc.

Mastercard International Incorporated

Eleytheria, Ltd

Jason Alexander Korosec

Damon Hougland

Osama Bedier

Asim Razzaq

Todd Christian Lowenberg

Gary Randall Horn

Kimberly Ann Martin

Thomas Joseph Sellner

Richard Thomas Flynn

Bruce William Mac Nair

Cristobel Kay Von Walstrom

Peter Julian Ramon Antonio R Flor

Ana Paula Martinez Prada Peyser

Raegen Ann-Marie Lang

Damon Charles Hougland

Musaab At-Taras

A network operator intermediates a cashless transaction by sending a payment device issuer an outbound clearing data file enriched with cleansed merchant data. Issuers that choose to participate in the merchant data cleansing service will be provided with the cleansed, and optionally augmented, merchant information. Providing this data to the issuer could be used to help reduce costs associated with 'do not recognize' calls by cardholders, disputed charges, and charge-backs. With cleansed data provided in the clearing record, a device holder would be given access to this cleansed information about the merchant where a transaction took place through their statement. The present disclosure also provides for augmenting the clearing record data to include merchant-specific add-on and/or aggregate data not presently included in the transaction clearing record, yet useful to the issuer both in form and content.

Merchant data cleansing in clearing record

Methods and systems for interface data utilization are described. In one embodiment, a provider server may offer resources and an application server may offer functionality not provided by the resources of the provider server. A user request may be received through the source user interface. A determination may be made whether the user request contains a request to access a functionality that is not offered by the provider but is offered by an application that is communicatively coupled to the provider via a network. In response, an electronic communication may be established between the provider and the application via a network. A policy of the provider may be accessed from a first database, and interface definition data may be accessed from a second database different from the first database. Target interface data may be rendered based on the policy of the provider and the interface definition data.

Method and system for interface data utilization

Methods and system for interface data utilization are described. In one embodiment, source interface data may be provided from a provider. The source interface data may be capable of being used to provide a source user interface for a networked resource associated with the provider. A user request may be received through the source user interface. A service call may be provided over a network to an application based on the receiving of the user request. The application may be associated with an application manager. Response data may be received over the network from the application based on the service call. Target interface data may be rendered based on the response data. The target interface data may be provided from the provider.

Embodiments of the present invention provide a payment application framework. In an example embodiment, a request at a payment facilitator is received. The request is for a split payment to a plurality of receiving parties. The request is processed to establish one or more payment transactions. A single transfer of funds is sent from an account of a sender to at least one account of a receiving party of the plurality of receiving parties.

Payment application framework

Methods and system for processing transfer requests are described. In one embodiment, a value transfer request may be received from a value provider through a network. The value transfer request may include a value amount to be provided from a source user to a target user. A settlement account of the value provider may be reduced by the value amount. A target account of the target user may be increased by the value amount.

Method and system for processing transfer requests

A system and method for performing an identity validation is provided. The invention includes an identity transaction engine component and a communication component. The identity transaction engine component facilitates searching of data store(s) in order to validate identity related to a regulated transaction. The communication component facilitates communication between the identification validation system and remote system such as database(s) and/or data storage system(s). The data store(s) can store governmental agency and/or private entity information. The data store(s) can be remote or local. The invention further provides for the identification validation system to, optionally, include input device(s) and/or output device(s). The input device(s) facilitate identifying an entity to the identification validation system. The output device(s) facilitate communication to user(s) of the identification validation system.

System and method for identity validation for a regulated transaction

Growing community of inventors

San Jose, CA, United States of America

Jason Alexander Korosec