Worldpay Limited

Obsidian Networks, Inc.

Travis Lee Priest

Matthew D Ozvat

Charles E Watts

Daniel J Ourada

Nicholas G Nayfack

Kevin Oliver

Michelle K Plomske

John Berkley

Robert Bonestell

Daniel J Murphy

An arbitraged enhanced payment processing system in association with a distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant ID via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a payment processing servicer. Upon receiving a payment processing servicer response, the payment management system outputs the response and token to the POS terminal system.

Systems and methods for enhanced data routing based on data prioritization

A computerized enhanced discreet coupon (EDC) processing system processes shopper EDC(s) using a scanner and a processor. The scanner scans purchased items. The processor generates tickets corresponding to the purchased items, syntactically validates shopper EDC(s), semantically checks the EDC(s), and authenticates the EDC(s). If an EDC is authentic, then the processor compares the EDC against the ticket to determine if the EDC qualifies, and if so, then the EDC is redeemable. Authentication can be accomplished by, for example, comparing EDC rule(s) and/or rule identifier(s) against genuine rule/identifier sets. Genuine rule set includes a qualifying rule and a redemption rule.

Systems and methods for automated authoring, distributing, and processing electronic data files

Systems and methods for managing mobile payments is provided. An account issuer provides an application that is loaded onto a mobile device, which enables a consumer to pay for transactions. The mobile payment application generates a unique code. The code is read by the point of sale terminal, which is then provided to the payment management system. The payment management system contracts the account issuer and authenticates the code, thereby receiving a primary account number. Account number and transaction information is used to authorize the transaction via payment systems. The payment system accepts or declines the transaction in a response. Tokens may be generated for the account number, and value added services may be generated based upon user behaviors.

Systems and methods for payment management for supporting mobile payments

Systems and methods for automated authoring, distributing and processing of enhanced discrete coupons

An arbitraged enhanced payment processing system in association with a distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a payment processing servicer. Upon receiving a payment processing servicer response, the payment management system outputs the response and token to the POS terminal system.

Systems and methods for enhanced data routing based on a reconciled configuration

A system and methods for the registration of new payment tool processing, reward program identification and other customer registration at the Point-of-Sale (POS), based on electronically linking consumers existing accounts for the purposes of payment, rewards, loyalty, marketing, discounts and or identification of a consumer. The new payment system or rewards program may be delivered through a new card, a mobile program, a wearable product, or any other potential device for collecting communicating or transmitting information used for the aforementioned purposes including running a new program.

Growing community of inventors

Durango, CO, United States of America

Travis Lee Priest