Synchrony Bank

Ncr Corporation

Michael Storiale

William Kievit

Lisa Hammond

Jake Miller

Carter Hudson

Tiffanie Terry

Brian Yang

Noah Pell

Christopher Bauer

Jennifer Cantor

Sih Lee

An application executed on a user device receives a request to initiate a transaction with an entity associated with a device implemented at a point-of-sale. The application detects that the user device is proximate to the device and detects an audial tone that encodes information corresponding to an entity associated with the device. The application transmits a request to transfer a payment to the entity, wherein the request includes the information and a payment amount for the payment. When the request is received by a payment processing system, the payment processing system transfers the payment to the entity and provides a confirmation for the payment. The application broadcasts a confirmation audial tone that encodes the confirmation. When the confirmation audial tone is received at the device, the device demodulates the confirmation audial tone to provide the confirmation to the entity.

Reverse terminal payment systems and methods

Disclosed embodiments may provide a framework to implement post-purchase tender switches. For example, following a transaction made with a particular payment instrument, a customer may be offered the ability to apply for a preferred payment instrument and/or to switch his or her tender type to the preferred payment instrument for the previous transaction.

Post-purchase credit offer and tender switch

The present disclosure is directed to systems and methods that enable scanning of any type of card regardless of the shape and design of a given card and/or a font, a shape and a format with which characters such as numbers, letters and symbols are printed on the cards including cards with non-embossed characters printed thereon. In one example, a method includes scanning a card, the card including at least an account number associated with a user of the card and an identifier of the user; detecting, by applying a machine learning model to the card after scanning the card, at least the account number printed on the card; and completing a task using the account number.

Systems and methods for reading flat cards

A pre-defined condition for a pending transaction is satisfied. In response, a real-time request for authorizing the pending transaction is sent to an interested party of the pending transaction. Based on a response received from the interested party, a notice is sent to a Point-Of-Sale (POS) terminal indicating whether the pending transaction was authorized and completed or denied.

User-controlled transaction authorization

Growing community of inventors

Rocky Hill, CT, United States of America

Michael Storiale