Google Inc.

Stripe, Inc.

The University of Tennessee Research Foundation

Attralus, Inc.

Network Appliance, Inc.

Index Systems, Inc.

Other

Onclave Therapeutics Limited

Elan Pharmaceuticals, Inc.

Prothena Biosciences Limited

Jonathan Wall

Rob Von Behren

Ross Favero

Eric Glass

Ismail Cem Paya

James S Foster

Stephen J Kennel

Hauke Meyn

Alexej Muehlberg

Gautam S Raj

Michael John Wakerly

Spencer Guthrie

Dale Bernard Schenk

Peter Andrew Seubert

Timothy E Sparer

Devesh Kumar Senapati

Alan Solomon

Jaume Pons

Nate Barnett

Jason Sobel

Raymond Emmett Colline, Ii

Rudi Hrncic

Joseph R Koenig

Jose William Saldanha

Subhadip Sarkar

Deepak Chandra

Peter A Seubert

José W Saldanha

Michael L Klein

Andy Reitz

Emily Martin

Marc Freed-Finnegan

Ed Flanagan

Jay R Moorthi

Maria Schell

Ii Colline Raymond Emmett

Eric Nelson Glass

Method and system of performing transactions with a payment card in a managed integrated payment environment comprising an integrated circuit are disclosed comprising interacting with an integrated circuit on a received payment card to obtain card data by a payment terminal and determining whether full online transaction processing of the card data is required. If full online transaction processing of the card data is required, the card data is sent to a point-of-sale terminal, which sends the card data and a transaction total for the transaction to a merchant gateway, which obtains approval or denial of the transaction. The approval or denial is provided to the PIN pad by the merchant gateway via the point-of-service terminal. The PIN pad also receives transaction data and sends the transaction data and card data to a services processor to collect metadata, perform fraud and security checks, and/or encrypt the card data.

Managed EMV kernel for faster processing

Embodiments of the invention include a method of performing a payment transaction comprising receiving transaction data by a PIN pad terminal from a point-of-sale terminal, and receiving tender from a customer, by the PIN pad terminal. Tender data and the transaction data are sent to a service gateway, by the PIN pad terminal. The service gateway collects metadata from the tender data and the transaction data. The tender data is sent by the PIN pad terminal to the point-of-sale terminal, which sends the tender data and the transaction data to a merchant gateway for approval or denial of the tender data. The tender data sent to the POS may be encrypted. The service gateway may provide customer and merchant analytics based on the metadata, as well as perform security/fraud checks, BIN management, PIN pad management. Systems are also disclosed.

Systems and methods for reader device registration, use and management

A digital wallet that facilitates fast, convenient, and secure commerce using a mobile electronic device (or non-mobile electronic device) and stores information associated with transactions, such as purchase confirmations and receipts. The digital wallet can store information for use in transactions, including information associated with one or more financial accounts, user information, and shipping information. To complete an online purchase, the digital wallet can interact with a merchant's website to obtain information regarding the purchase. The digital wallet provides a user interface for the user to review and confirm the purchase information. The user interface also allows the user to select from multiple payment options, customize shipping information, or provide information requested by the merchant. The digital wallet can transmit user confirmation to the merchant's website and receive a receipt for the purchase. The digital wallet can store the receipt and synchronize the receipt with a remote storage location.

Digital wallet

Provided herein are modified immunoglobulins comprising an amyloid reactive peptide joined to an antibody, as well as humanized antibodies that bind to human amyloid fibrils and antibody-peptide fusion proteins. Also provided herein are methods of treating amyloid-based diseases by administering a modified immunoglobulin, humanized antibody, or antibody-peptide fusion protein.

Modified immunoglobulins for targeting amyloid deposits

The present invention relates to SAP-Fc fusion proteins comprising one or more amino acid substitution, for example, C226S and/or C229S. In some aspects, the fusion protein comprises a structure represented by the following formula, from N-terminus to C-terminus, SAP-Fc1-L1-Fc2, wherein Fc1 is a first Fc domain sequence comprising hinge-CH2-CH3, L1 is a linker, and Fc2 is a second Fc domain sequence comprising hinge-CH2-CH3. The present invention also relates to methods of treating amyloid related diseases by administering said SAP-Fc fusion proteins to a subject in need thereof.

SAP FC fusion proteins and methods of use

Provided herein are antibody-peptide fusion proteins comprising an amyloid-reactive peptide linked to an antibody. Also provided herein are methods of treating amyloid-based diseases by administering an antibody-peptide fusion protein.

Antibody-peptide fusion proteins for treating amyloid disorders

A method and apparatus for processing a transaction between a merchant system and a customer system, the customer system associated with a customer of the merchant are described. The method may include receiving, at a commerce platform, a transaction request from the merchant system, wherein the transaction request is generated by the merchant system and comprises a card identifier and encrypted payment card data, wherein the card identifier is determined from card data for a payment card used in the transaction and the encrypted payment card data comprises at least an encryption of a payment account number. The method may also include decrypting, by the commerce platform, the encrypted payment card data using an encryption key selected based on the card identifier, the encryption key associated with the commerce platform. Furthermore, the method may include authorizing, by the commerce platform in communication with one or more authorization systems, the transaction using the decrypted payment card data.

Systems and methods for end to end encryption utilizing a commerce platform for card not present transactions

A method and apparatus for processing a transaction between a merchant and a customer of the merchant are described. The method may include generating, at an ingress server, an initial transaction message by generating a deterministic identifier for a card used in the transaction from card data received for the transaction and encrypting the received card data. The method may also include providing the initial transaction message from the ingress server to a payment server. Furthermore, the method may include updating, by the payment server in response to an authorization of the transaction determined based at least in part on the deterministic identifier for the card, the initial transaction message with authorization data, and providing the updated initial transaction message from the payment server to an egress server. The method may also include communicating a final transaction message to an authorization system for processing the transaction between the merchant and the customer based on the card data.

Architectures, systems, and methods for card based transactions

A method and apparatus for EMV terminal device testing using a simulation of a plurality of EMV cards when interacting with an EMV terminal device emulator are described. The method may include establishing, by an EMV card emulator, an interface with the EMV terminal device emulator for the exchange of EMV card present transaction communications between the EMV card emulator and the EMV terminal device emulator. Furthermore, for each of a plurality of simulated EMV cards, the method may include exchanging one or more communications with the EMV terminal device emulator via the interface, wherein each communication simulates a communication generated by a simulated integrated circuit of an EMV card in response to a communication generated by the EMV terminal device emulator, and then causing at least one transaction to be run by the EMV terminal device emulator using the exchange of the one or more communications between the EMV card emulator and the EMV terminal device emulator.

Systems and methods for EMV terminal device testing using EMV card emulation

A method and apparatus for reader device registration, activation, and use are described. The method may include receiving, by a commerce platform, a registration request generated by a reader device, wherein the registration request comprises at least identification data for the reader device. The method may also include transmitting, to the reader device, a registration code. The method may also include receiving, by the commerce platform from a merchant system, a second registration code purported to be the registration code transmitted to the reader device. The method may also include generating an encryption key associated with the reader device and transmitting the encryption key to the merchant system, wherein the encryption key is provided by merchant system to the reader device for use by the reader device when communicating with the commerce platform during merchant transactions.

Systems and methods for reader device registration, use, and management

A continuous integration framework for developing software for transaction processing and method for using the same are described. In one embodiment, the method comprises generating a trusted artifact with a forward immutable continuous integration (CI) implemented as a build pipeline, wherein the artifact comprises updated software comprising payment processing code with an EMV vector kernel for processing of EMV-based card present transactions; and in response to the software update, performing end-to-end testing of EMV card present transactions using code commits from one or more code repositories, wherein the end-to-end testing comprises executing the code commits that includes executing payment processing code for processing EMV-based card present transactions with an EMV vector kernel and one or more emulated EMV cards, and running tests against the executing code commits to validate behavior the payment processing code including the EMV vector kernel, wherein the tests comprise running one or more emulated EMV cards against the vector kernel as part of one or more emulated EMV-based card present transactions and monitoring communications related to the one or more emulated EMV-based card present transaction communications.

Continuous integration framework for development of software for EMV-based card present transaction processing

Methods of performing transactions with a payment card comprising an integrated circuit are disclosed comprising interacting with an integrated circuit on a received payment card and inferring an application corresponding to a card brand and card type of the payment card, or retrieving a map of the integrated circuit to read records on the integrated circuit based on the map, are disclosed. Corresponding devices, such as PIN pads, and computer products are also disclosed.

EMV kernel for faster processing

Growing community of inventors

San Francisco, CA, United States of America

Jonathan Wall