Systems and methods for direct electronic communication of consumer information

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 11669821
SERIAL NO

17445420

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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A method for submission of payment transaction requests from a point of sale (POS) terminal to a financial institution includes reading payment information from a payment vehicle, reading financial institution routing information from the payment vehicle, reading a payment vehicle certificate from the payment vehicle, requesting consumer authentication information from a consumer, and submitting a payment transaction request to the financial institution using the financial institution routing information, a POS terminal certificate, and the payment vehicle certificate. An authentication certificate for submission of payment transaction requests from a point of sale (POS) terminal to a financial institution may be generated by receiving a request for an authentication certificate from a requestor, the request comprising a requestor ID and one or more capabilities of the requestor, verifying the requestor ID, generating an authentication certificate for the requestor, and returning the generated authentication certificate to the requestor.

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Patent Owner(s)

  • WORLDPAY, LLC

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Christensen, Coy Scottsdale, US 16 16

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Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
3.5 Year Payment $1600.00 $800.00 $400.00 Dec 6, 2026
7.5 Year Payment $3600.00 $1800.00 $900.00 Dec 6, 2030
11.5 Year Payment $7400.00 $3700.00 $1850.00 Dec 6, 2034
Fee Large entity fee small entity fee micro entity fee
Surcharge - 3.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00