Raymond D Moyer

US Patent:

20120203700, Aug 9, 2012

Filed:

Dec 9, 2011

Appl. No.:

13/315544

Inventors:

Matthew R. Ornce - Wilmington DE, US
Raymond Moyer - Landenberg PA, US
Gregory J. Sackenheim - West Chester OH, US
Alec B. Dollarhide - Scottsdale AZ, US
Kent R. Glenn - Buckeye AZ, US
Steven H. Pile - Cave Creek AZ, US

Assignee:

ELECTRONIC PAYMENT EXCHANGE - Wilmington DE

International Classification:

G06Q 20/40

US Classification:

705 67

Abstract:

According to an exemplary embodiment of the invention, a method is discloses for facilitating a credit card transaction wirelessly via a mobile device. The method includes receiving registration information for a credit card and a mobile device, the registration information for the credit card including a primary account number (PAN) of the credit card; associating the registration information for the credit card with a unique token; generating a pseudo-PAN based on the PAN, the pseudo-PAN being different than the PAN; and providing the unique token and the pseudo-PAN to the mobile device for use in one or more credit card transactions.

US Patent:

20090043696, Feb 12, 2009

Filed:

Jul 11, 2008

Appl. No.:

12/172041

Inventors:

Matthew R. Ornce - Wilmington DE, US
Jason J. Gwynn - Newark DE, US
Raymond Moyer - Landenberg PA, US
Steve H. Pile - Phoenix AZ, US
Kent R. Glenn - Avondale AZ, US
Jason Nowicki - Mesa AZ, US

Assignee:

ELECTRONIC PAYMENT EXCHANGE - Wilmington DE

International Classification:

G06Q 20/00

US Classification:

705 39, 705 35

Abstract:

A payment processor may host account information such as an account number of a customer provided during a transaction with a point of sale of a merchant. The account information may be received by the payment processor without being stored at the point of sale. For example, the account information may be received by the payment processor via a web page that may emulate a terminal at the point of sale. The payment processor may store the account information and may establish a unique transaction identifier for the transaction. The unique identifier may be provided to the customer with a receipt and the account number may be provided to an entity that may provide payment the merchant to complete the sales transaction.

US Patent:

20140101037, Apr 10, 2014

Filed:

Oct 9, 2013

Appl. No.:

14/049574

Inventors:

- Wilmington DE, US
Raymond Moyer - Landenberg PA, US
Alec B. Dollarhide - Scottsdale AZ, US

International Classification:

G06Q 20/10
G06Q 20/40

US Classification:

705 40, 705 44

Abstract:

A computer system for receiving an issuer's authorization for a purchase, wherein a sale amount for the purchase includes at least one interchange fee comprises a computer. The computer is configured to receive an electronic request to authorize a credit card transaction initiated by the merchant for a purchase, the authorization request including a sale amount for the purchase, determine an estimated interchange fee, compute a surcharged sale amount by adding the estimated interchange fee to the sale amount for the purchase, send a revised authorization request to the issuing bank, wherein the revised authorization request specifies the surcharged sale amount in place of the sale amount, receive an authorization response from the issuing bank indicating authorization for the purchase at the surcharged sale amount, and send the authorization response to the merchant.