PROCESSING OF FINANCIAL TRANSACTIONS USING DEBIT NETWORKS
Number of patents in Portfolio can not be more than 2000
United States of America Patent
Stats
-
N/A
Issued Date -
N/A
app pub date -
Nov 3, 2017
filing date -
Feb 22, 2007
priority date (Note) -
Published
status (Latency Note)
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Importance

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Abstract
Methods and systems are disclosed for executing financial transactions between customers and merchants. An identifier of a financial account is received from the customer at a merchant system. A one-time password is also received from the customer at the merchant system, with the customer having been provided with the one-time password by a mobile electronic device or contactless presentation instrument. A cryptogram is generated to include the identifier of the financial account encrypted using the one-time password. An authorization request is formulated at the merchant system. The authorization request includes the cryptogram and transaction information describing at least a portion of the financial transaction. The authorization request is transmitted from the merchant system to an authorization processor for authorization of the financial transaction.
First Claim
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Family

- 15 United States
- 10 France
- 8 Japan
- 7 China
- 5 Korea
- 2 Other
Patent Owner(s)
Patent Owner | Address | |
---|---|---|
FIRST DATA CORPORATION | 6200 SOUTH QUEBEC STREET SUITE 270B GREENWOOD VILLAGE CO 80111 |
International Classification(s)

- 2017 Application Filing Year
- G06Q Class
- 16857 Applications Filed
- 9579 Patents Issued To-Date
- 56.83 % Issued To-Date
Inventor(s)
Inventor Name | Address | # of filed Patents | Total Citations |
---|---|---|---|
Royyuru, Vijay | Norristown, US | 9 | 107 |
# of filed Patents : 9 Total Citations : 107 |
Cited Art Landscape
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Patent Citation Ranking
- 1 Citation Count
- G06Q Class
- 30.77 % this patent is cited more than
- 7 Age
Forward Cite Landscape
- No Forward Cites to Display

Maintenance Fees
Fee | Large entity fee | small entity fee | micro entity fee | due date |
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7.5 Year Payment | $3600.00 | $1800.00 | $900.00 | Aug 22, 2025 |
11.5 Year Payment | $7400.00 | $3700.00 | $1850.00 | Aug 22, 2029 |
Fee | Large entity fee | small entity fee | micro entity fee |
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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 |
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