Paypal, Inc.

Paydiant, Inc.

Siebel Systems, Inc.

Kevin Laracey

Douglas J Hurst

Patrick Babcock

Max Edward Metral

Suzanne Lenox

Edward James Morgan

Ryan Christopher May

Brian C Barnes

Ishan Birchett

Krishna A Canekeratne

Embodiments of the present invention relate to systems, methods, processes, computer program code, and means for creating digital wallets for users. In some embodiments, digital wallets are created, at least in part, on information obtained from payment transactions conducted by users.

Methods and systems for wallet enrollment

Embodiments of the present invention relate to systems, methods, processes, computer program code, and means for employing the wireless or near field communication ('NFC') functionality of mobile devices and payment terminals for use in payment, loyalty, and offer and coupon transactions.

NFC mobile wallet processing systems and methods

Embodiments provide systems, methods, processes, computer program code and means for using mobile devices to conduct transactions with value dispensing devices.

Methods and systems for processing transactions on a value dispensing device using a mobile device

Systems, methods, apparatus, processes, computer program code and means for conducting transactions are described which allow a first party to a transaction to identify a second party to a transaction.

Transaction token issuing authorities

There are provided systems and methods for automatic synchronization of a device for transaction processing based on geo-fenced locations. A merchant may geo-fence an area corresponding to the merchant's location where a user may visit to purchase an item. The merchant may provide multiple transaction processing and payment options at the merchant location, including payment applications with a mobile communication device. A payment provider may detect the location of the user and determine that the user's location matches the merchant's location through the geo-fenced area for the merchant. The payment provider may then configure a payment process for the user to utilize at the merchant location using payment mechanisms accepted at the merchant location. Where multiple merchants are located nearby, the payment provider may utilize additional known information for the user to select the most likely merchant for the user.

Automatic synchronization of a device for transaction processing based on geo-fenced locations

Methods and systems for fault tolerant token based transactions are described. A user may perform a transaction with a mobile device. The mobile device may be in an offline mode or may be lacking a network connection to servers or cloud devices of a mobile payment system. The transaction may be processed through a transaction device, which may aid in the sending and receiving of transaction data while the mobile device is in the offline mode. The transaction device may communicate with the server or cloud device and the server or cloud device may process the transaction and communicate with the transaction device, which may forward data from the server or cloud device to the mobile device.

Fault tolerant token based transaction systems

Embodiments provide systems, methods, processes, computer program code and means for using mobile devices to conduct transactions with ATM devices.

Mobile phone ATM processing methods and systems

There are provided systems and methods for localized identifier broadcasts to alert users of available processes and retrieve online server data. A user may visit a merchant location and engage in a transaction to purchase items from a merchant at the merchant location. The merchant may wish to alert the user of various payment methods, include payments through a payment application of the user's device using a received identifier for retrieval of an online invoice with a service provider. The merchant may utilize a merchant device to broadcast a location awareness identifier to alert the user of availability of payment processes with the service provider. Additionally, once the online invoice is generated for a transaction, the merchant device may broad cast a payment terminal request identifier that allows the user to retrieve the online invoice using data associated with the identifier and a location for the merchant.

Localized identifier broadcasts to alert users of available processes and retrieve online server data

There are provided systems and methods for intelligent selection of transaction processing technology available at a merchant location. A user may visit a merchant location and desire to purchase items from the merchant at the merchant location. The user may have options for one or more payment instruments to use at the merchant location, including payment applications with a mobile communication device. A payment provider may detect the location of the user and determine that the user's location matches the merchant's location through a geo-fenced area for the merchant. The payment provider may then configure a payment process for the user to utilize at the merchant location using payment mechanisms accepted at the merchant location. Where multiple merchants are located nearby, the payment provider may utilize additional known information for the user to select the most likely merchant for the user.

Growing community of inventors

Natick, MA, United States of America

Kevin Laracey