Phil L Kumnick

US Patent:

20130179346, Jul 11, 2013

Filed:

Dec 31, 2012

Appl. No.:

13/731500

Inventors:

Phil Kumnick - Foster City CA, US
Sonika Chandra - Foster City CA, US

International Classification:

G06Q 20/40

US Classification:

705 44

Abstract:

A methods and system of hosted thin-client payment authorization and authentication services for processing payments for value-added service (VAS) providers is described. A method, performed by a host server operating a thin-client device, includes receiving transaction request data at a host server computer from a thin-client device, where the transaction request data can include financial account data and biometric data. The host-server transmits a verification request message to a VAS provider and receives an indication that it is a valid merchant. The host-server transmits an authorization request message comprising the biometric data to a payment processing network (PPN), where the PPN communicates with an authentication server computer to validate the biometric data, sends the authorization request message to an issuer and receives an authorization response message from the issuer. The host-server receives the authorization response message from the PPN and sends a service fulfillment request to the VAS provider.

US Patent:

20120221468, Aug 30, 2012

Filed:

Feb 24, 2012

Appl. No.:

13/405140

Inventors:

Phil Kumnick - Phoenix AZ, US
Krishna Koganti - Cupertino CA, US
Davidson Wuichet - San Mateo CA, US
Lloyd Cato - Sunnyvale CA, US
Jeff Kusheba - Litchfield Park AZ, US

International Classification:

G06Q 20/40

US Classification:

705 44

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.

US Patent:

20190012675, Jan 10, 2019

Filed:

Jun 26, 2018

Appl. No.:

16/019147

Inventors:

Phil Kumnick - Phoenix AZ, US
Sonika Chandra - Foster City CA, US

International Classification:

G06Q 20/40
G06Q 20/12

Abstract:

A methods and system of hosted thin-client payment authorization and authentication services for processing payments for value-added service (VAS) providers is described. A method, performed by a host server operating a thin-client device, includes receiving transaction request data at a host server computer from a thin-client device, where the transaction request data can include financial account data and biometric data. The host-server transmits a verification request message to a VAS provider and receives an indication that it is a valid merchant. The host-server transmits an authorization request message comprising the biometric data to a payment processing network (PPN), where the PPN communicates with an authentication server computer to validate the biometric data, sends the authorization request message to an issuer and receives an authorization response message from the issuer. The host-server receives the authorization response message from the PPN and sends a service fulfillment request to the VAS provider.

US Patent:

20180341949, Nov 29, 2018

Filed:

Apr 25, 2018

Appl. No.:

15/962946

Inventors:

Phil Kumnick - Phoenix AZ, US
Sonika Chandra - Foster City CA, US

International Classification:

G06Q 20/40
G06Q 20/12

Abstract:

A methods and system of hosted thin-client payment authorization and authentication services for processing payments for value-added service (VAS) providers is described. A method, performed by a host server operating a thin-client device, includes receiving transaction request data at a host server computer from a thin-client device, where the transaction request data can include financial account data and biometric data. The host-server transmits a verification request message to a VAS provider and receives an indication that it is a valid merchant. The host-server transmits an authorization request message comprising the biometric data to a payment processing network (PPN), where the PPN communicates with an authentication server computer to validate the biometric data, sends the authorization request message to an issuer and receives an authorization response message from the issuer. The host-server receives the authorization response message from the PPN and sends a service fulfillment request to the VAS provider.

US Patent:

20180253726, Sep 6, 2018

Filed:

Apr 20, 2018

Appl. No.:

15/958966

Inventors:

Phil Kumnick - Phoenix AZ, US
Krishna Koganti - Cupertino CA, US
Davidson Wuichet - San Mateo CA, US
Lloyd Cato - Sunnyvale CA, US
Jeff Kusheba - Litchfield Park AZ, US

International Classification:

G06Q 20/40
G06Q 30/02
G06Q 20/20
G06Q 20/38

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.

US Patent:

20150012346, Jan 8, 2015

Filed:

Sep 24, 2014

Appl. No.:

14/495437

Inventors:

Phil Kumnick - Phoenix AZ, US
Krishna Koganti - Cupertino CA, US
Davidson Wuichet - San Mateo CA, US
Lloyd Cato - Sunnyvale CA, US
Jeff Kusheba - Litchfield Park AZ, US

International Classification:

G06Q 20/40
G06Q 30/02

US Classification:

705 1423, 705 44

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.