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:
Jun. 15, 2021
Filed:
May. 20, 2014
Applicant:
Inmar Clearing, Inc., Winston-Salem, NC (US);
Inventor:
Jeffrey Toewe, Winston-Salem, NC (US);
Assignee:
INMAR CLEARING, INC., Winston-Salem, NC (US);
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06Q 40/02 (2012.01); G06Q 20/40 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/4016 (2013.01); G06Q 40/025 (2013.01);
Abstract
A method includes performing operations as follows on at least one processor: receiving credentials from a shopper, the credentials being associated with a purchase from a merchant, evaluating a history of purchases by the shopper from the merchant, determining that the shopper is entitled to virtual card present status from a financial institution based on evaluating the history of purchases, and sending a payment authorization request message for the purchase to the financial institution that comprises an indication that the shopper is entitled to virtual card present status.