Worldpay Limited

Vantiv, LLC

Thomas Edward Rafferty

Bryan T Bailey

Patrick James Moran

Michele Suzanne Herron

Christopher S Postell

Nancy Joann Vance

Stefan K Karaivanov

Systems and methods are provided for managing a merchant's set of terms and conditions that are applicable to a payment vehicle transaction. When a chargeback for the payment vehicle transaction is initiated and disputed, the applicable set of terms and conditions can be transmitted to an issuer financial institution on behalf of the merchant as part of the dispute process.

System and method for managing merchant terms and conditions applicable to a payment transaction

Systems and methods for processing payment transactions using combination payment cards. The combination payment card is associated with an open-loop account and one or more closed-loop accounts. Transaction information is received from a point-of-sale device. At least one of the closed-loop and open-loop account is debited.

Combination payment card and methods thereof

Systems, mechanisms and processes are provided to allow law-enforcement officials, when encountering the potential use of prepaid payment cards in the furtherance of a crime or in relation to criminal activities, to (1) attempt to check the balances on such prepaid payment cards, including the ability to perform aggregate balance checks on a group of such prepaid cards, (2) attempt to freeze the funds on such prepaid payment cards, and/or (3) attempt to seize the funds on such prepaid payment cards.

Systems and methods for performing funds freeze and/or funds seizure with respect to prepaid payment cards

Systems and methods for transferring funds from an acquirer processor account to one or more financial accounts. The transferring of the funds can be directed by one or more settlement rules defined by a merchant.

Systems, methods and apparatus for variable settlement accounts

Systems and methods are provided for transferring settlement funds received into a pooled settlement account of an acquirer processor account to one of more financial accounts of a merchant. The transferring of the funds can be directed by one or more settlement rules defined by a merchant. The type of transfer method can be based on the type of financial account. Example types of transfers include Automated Clearing House (ACH) transfers and intrabank transfers.

Systems and methods are provided for transferring settlement funds received into a pooled settlement account of an acquirer processor account to one or more financial accounts of a merchant. The transferring of the funds can be directed by one or more settlement rules defined by a merchant. The type of transfer method can be based on the type of financial account. Example types of transfers include Automated Clearing House (ACH) transfers and intrabank transfers.

Growing community of inventors

Cincinnati, OH, United States of America

Thomas Edward Rafferty