Intuit, Inc.

Clover Network, Inc.

Nilendu Misra

John Daniel Beatty

Brian Jeremiah Murray

Nicholas D Posner

Norman William Happ

Olaf Fermum

Sanjay Channarayapatna Ramakrishna

Methods and systems related to the use of tokenization services in payment processing systems are disclosed. The methods and systems include token translation services, token maps used as the basis for customer data models, specific approaches for securing the token maps and associated data, and the efficient storage of the token maps and associated data to facilitate enhanced payments experiences and analytics. One method includes transmitting a tokenization request with an encrypted payment account number from a POS to a tokenization service, receiving a token from the tokenization service in response to the tokenization request, salting the token with data to produce a salted token, encrypting the salted token using a secure processor on the POS, mapping the encrypted salted token to the payment account number in a map, and storing the map and the encrypted salted token in a memory on the secure processor on the POS.

Token management for enhanced omni-channel payments experience and analytics

A system and method for providing contextual analytics data receives display entity data into a first virtual container, the display entity data including one or more instructions of the first virtual container. Instructions performing process operations are present within a second virtual container isolated from the first virtual container. The display entity data is analyzed to identify a webpage, for example, associated with the display entity data. If necessary, executable code is injected into the first virtual container in order to expose data of the first virtual container to the operations of the second virtual container so that further identification of the display entity may be made. A request is made by the second virtual container to one or more computing systems to provide available analytics data pertaining to the display entity data, after which the available analytics data is displayed for a user.

System and method for providing contextual analytics data

A method to process cancellation requests. The method includes receiving, by a computer processor and from a first user, a first request to cancel a first subscription to an online service, calculating, by the computer processor in response to the first request: a first retention value score of the first user based on a first usage profile of the first user interacting with the online service, and a first retention value threshold based on a first availability measure of support agents for the online service, and sending, by the computer processor and in response to the first retention value score exceeding the first retention value threshold, a message to the first user to contact at least one of the support agents to discuss cancelling the first subscription.

Adaptive subscriber retention based on forecasted retention value of paying subscribers

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Menlo Park, CA, United States of America

Nilendu Misra