The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
May. 25, 2021
Filed:
Apr. 20, 2018
Visa International Service Association, San Francisco, CA (US);
Phil Kumnick, Phoenix, AZ (US);
Krishna Koganti, Cupertino, CA (US);
Davidson Wuichet, San Mateo, CA (US);
Lloyd Cato, Sunnyvale, CA (US);
Jeffrey Kusheba, Litchfield Park, AZ (US);
Visa International Service Association, San Francisco, CA (US);
Abstract
Embodiments of the invention are directed to passing a plurality of communications directly from a merchant to a payment processing network. A first communication may include payment information in an authorization request, while a second transaction may include non-payment transaction data. The communications may be linked with a transaction identifier. In other embodiments, a capture file process is disclosed where capture files are generated by the payment processing network, and transactions are subsequently cleared and settled.