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Credit Card-related patent applications - as published by the U.S. Patent and Trademark Office (USPTO).


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User and device authentication for web applications
Microsoft Technology Licensing, Llc
April 12, 2018 - N°20180101850

A computing device supports a web authentication (webauthn) application program interface (api) that is configured to exposes functionalities that may substitute for those utilized in the emv (europay, mastercard, and visa) standard for transactions using smart payment instruments like debit and credit cards that include embedded computer chips. The functionality of the webauthn-compliant computing device is analogous to a physical ...
Methods, systems, and networks, for proactive currency exchange
Mastercard International Incorporated
April 05, 2018 - N°20180096428

A method for performing proactive currency exchange can include receiving, by a processor, a request from an account member to exchange at least a portion of funds in the member account from a current currency of the funds to at least one alternative currency. The member account can be a pre-paid payroll account, a pre-loaded prepaid account, or a credit ...
System and method for determining eligibility and enrolling members in various programs
Jpmorgan Chase Bank, N.a.
April 05, 2018 - N°20180096425

A system and method for determining eligibility of persons and enrolling those persons in various programs. For example, one embodiment is particularly suited for enrolling credit card members in payment programs. A program is selected, after which enrollment information is entered. The enrollment information is checked and verified, and the enrollment application is checked for eligibility. The enrollment may be ...
Credit Card Patent Pack
Download 143+ patent application PDFs
Credit Card Patent Applications
Download 143+ Credit Card-related PDFs
For professional research & prior art discovery
inventor
  • 143+ full patent PDF documents of Credit Card-related inventions.
  • Exact USPTO filing data with full-text, images, drawings & claims.
  • Index pages: Table View and Image-Grid View layouts. All images in each PDF.
Electronic transaction verification system with biometric authentication
Biometric Payment Solutions
April 05, 2018 - N°20180096346

An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data. Customers can be enrolled in the system by receiving customer information that includes at least a biometric datum, associating the received customer information with a transaction instrument issued ...
Dedicated payment terminal for mitigating instances of card holder fraud using image capture and method
March 29, 2018 - N°20180089689

A credit card terminal is provided for mitigating consumer credit card fraud comprising a card reader and image capture means. The terminal comprises a camera activated during transaction processing which records in computer-readable memory media of the purchaser. This media may thereafter be referenced to verify the identity of the purchaser upon purchaser chargeback.
Detection of an unauthorized wireless communication device
Symbol Technologies, Llc
March 29, 2018 - N°20180089686

A technique for the detection of an unauthorized wireless communication device includes monitoring of bluetooth® communications activity by a bluetooth® capable communication device. Any monitored communication activity is analyzed against parameters that are predefined to detect suspected illegal activity. If illegal activity is suspected by the analysis, an alert is generated for a system administrator. The predefined parameters ...
Credit Card Patent Pack
Download 143+ patent application PDFs
Credit Card Patent Applications
Download 143+ Credit Card-related PDFs
For professional research & prior art discovery
inventor
  • 143+ full patent PDF documents of Credit Card-related inventions.
  • Exact USPTO filing data with full-text, images, drawings & claims.
  • Index pages: Table View and Image-Grid View layouts. All images in each PDF.
System and method for facilitating travel payments
Troovo Pty Ltd
March 29, 2018 - N°20180089598

Systems and methods described herein provide a travel payment intermediary system configured to analyse travel booking data and identify itinerary item transactions eligible for virtual credit card (vcc) payments. For each of these itinerary item transactions the system and method can automatically trigger generation of an appropriate vcc to affect payment. Embodiments can also update a travel booking with data ...
Flexible foot-leg-thigh-hip jewellery
March 29, 2018 - N°20180084874

The present invention is an innovative way to blend the barefoot sandal with the high tight stoking and garter belts, incorporating and assembling these with intricate artistic jewellery rudiments from the toes up to the legs and then up to the hips, enhancing the beauty of the foot up to leg and hip, as well as making it utile for ...
Credit card product with dynamic interest rate based on balance/spending in merchant categories
Mastercard International Incorporated
March 22, 2018 - N°20180082370

A method includes establishing a credit account, setting a first interest rate and setting a second interest rate. The first interest rate is applicable to a first category of transactions charged to the credit account. The second interest rate is applicable to a second category of transactions charged to the credit account. The second category of transactions is different from ...
System and method for providing extra lines of credit
Capital One Financial Corporation
March 15, 2018 - N°20180075529

A system and method for upgrading existing credit cards with additional lines of credit is disclosed. Credit information associated with customers holding credit cards issued by a credit card issuer are analyzed to determine a level of risk associated with each customer. One or more extra line of credit may be established for selected customers based on the determined level ...
Card replacement systems and method
March 15, 2018 - N°20180075434

A card replacement system for organizing personal identification and financial information eliminating the need for individuals to carry these documents. The system contains all personal identification information which can be accessed and provided when necessary. Financial information loaded into the system permits bill pay and tracks limits/balances on credit cards. The system further offers smart appliance control, vehicle control, ...
Wallet-sized comb
Heba Designs, Llc Dba Go-comb
March 15, 2018 - N°20180070697

A wallet-sized comb is produced by a method of processing a metal substrate having a thickness similar to a credit card. The method includes receiving a comb design including a top portion and a teeth portion, the teeth portion including a plurality of spaced-apart teeth for combing hair and cutting the metal substrate based on the comb design, the cutting ...
System and method to facilitate merchandise transactions
March 08, 2018 - N°20180068384

A method includes providing, by an online shopping platform, an online store for purchasing gift cards, receiving a selection of a gift card of a first value by a consumer, presenting a term sheet and an install payment schedule to the consumer, in response to receiving an approval by the consumer with respect to the term sheet and the install ...
Credit Card Patent Pack
Download 143+ patent application PDFs
Credit Card Patent Applications
Download 143+ Credit Card-related PDFs
For professional research & prior art discovery
inventor
  • 143+ full patent PDF documents of Credit Card-related inventions.
  • Exact USPTO filing data with full-text, images, drawings & claims.
  • Index pages: Table View and Image-Grid View layouts. All images in each PDF.
Rule-based data processing engine
Ncr Corporation
March 01, 2018 - N°20180060897

Various embodiments herein relate to data processing, in particular with regard to a rule-based data processing engine. Such a rule-based data processing engine is employed in various embodiments to apply rules to customer data to generate offers of systems and programs, such as credit card and customer loyalty offerings, that achieve desired goals of an offering entity. One embodiment includes ...
Payment service provider agnostic tokenization
Digital River, Inc.
March 01, 2018 - N°20180060861

A system and method allows a merchant to transact credit card payments with any payment service provider that supports client-side encryption with neither merchant nor payment service provider storing personal card holder data. Payment service providers register encryption keys with the tokenization service provider and receive an identifier that is stored by the merchant. Customers provide payment details on the ...
Middle device used to receive temporary onetime payment information from a nfc enabled smart device ...
February 22, 2018 - N°20180053169

A middle device used to temporally receive and process payment transactions generated through the use of a near field communication or nfc enabled smart device or digital wallet application containing the stored payment information from a user's credit card or debit card and enabling the user to process a onetime payment through a point of sale terminals chip and pin ...
Reward, review and group payment system
February 22, 2018 - N°20180053163

A system and computer implemented method for providing improved communication and payment options between merchants and consumers includes at least one user interface device for operation by a consumer, at least one merchant interface device for operation by a merchant, a system services environment comprising at least one computer system, at least one database, and a communications network. The system ...
Compartment door key catcher
Gm Global Technology Operations Llc
February 15, 2018 - N°20180043833

A key catcher for a storage unit including a trim panel, a compartment housing, and an openable compartment door having a length and an outer surface includes a sweeper and a biasing member. The sweeper is connected to the compartment housing and is configured to conform to the outer surface of the compartment door along the length of the compartment ...
Method of laminating multi layer structure together in a roll-to-roll process to make a pre-lamination ...
Torvian, Inc.
February 15, 2018 - N°20180043726

The invention provides a free flowing copolymer between disparate plastic layers to thermally balance between the two differently expanding/contracting materials. The “primer” layer or “thermal balance layer” fully encapsulates the pet layer and can absorb the difference between the internal pet layer with any layer bonded to the encapsulated pet without ...
System for resource allocation and conservation of unused portion
Bank Of America Corporation
February 08, 2018 - N°20180040015

A resource allocation and conservation system comprises a network communication interface and a memory device storing a resource allocation and conservation application. A processing device is operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to: receive a user resource data based on a user resource activity from a third party system ...
Method for a prepaid, debit and credit card security code generation system
Ellipse World S.a.
February 08, 2018 - N°20180039986

This invention is a comprehensive “dynamic security code” (“dsc”) system (“dsc system”) that can change the security code of a prepaid, debit, or credit card (“payment card”). In an effort to thwart card-not-present (“cnp”) fraud, the dsc system provides dynamic ...
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