Patents
US 12731122 B2: Multi-platform electronic payment transaction risk profiling
- Granted
- 2026-09-08
- Filed
- 2023-04-03 application 18194965
- Type
- Utility · 20 claims
- Elsewhere
- Google Patents ↗ · USPTO patent document ↗ · USPTO Patent Center record ↗
Abstract
Technologies for enhancing payment transactions include a payment gateway computing system. The payment gateway computing system receives authorization request messages from point of sale systems of one or more betting-related merchants. The transactional information for each of the plurality of authorization requests is cataloged into a repository as historical payment data. A risk profile based on the historical payment data associated with a cardholder is generated. The risk profile can be correlated to transactional velocity or other parameter. The risk profile is transmitted to one of a plurality of payment vehicle issuers that can utilize the risk profile for authorization decisioning. Therefore, the payment vehicle issuer can make authorization decisioning with expanding insight into the cardholder's gaming-related purchase activity.
Source: PTBLXML, file of 2026-09-08 (ipgb20260908.xml).
Assignees
| Assignee | Type | Place | Also on furp.org | Source |
|---|---|---|---|---|
| Worldpay, LLC 477 patents | US company or organization | Symmes Township, OH | PTBLXML, file of 2026-09-08 |
Inventors
| Inventor | Place | Patents | Person page | Source |
|---|---|---|---|---|
| Joseph A. Pappano | Cincinnati, OH | 2 | PTBLXML, file of 2026-09-08 |
CPC categories
| Subclass | Category | First group | Source |
|---|---|---|---|
| G06Q | Information and communication technology [ict] specially adapted for administrative, commercial, financial, managerial or supervisory purposes; systems or methods specially adapted for administrative, commercial, financial, managerial or supervisory purposes, not otherwise provided for | G06Q20/202 | PTBLXML, file of 2026-09-08 |
Cooperative Patent Classification, as currently assigned (one row per subclass).
Assignments and security interests
| Recorded | What | From | To | Reel/frame | Source |
|---|---|---|---|---|---|
| 2026-01-12 | Release of security interest Release of security interest in intellectual property recorded at r/f 066624/0719 | JPMORGAN CHASE BANK, N.A., AS COLLATERAL AGENT signed 2026-01-09 | WORLDPAY, LLC CINCINNATI, OH | 74315/412 | PASDL, file of 2026-10-25 |
| 2026-01-12 | Release of security interest Release of security interests recorded at reel/frames 066626/0655, 066625/0426, 066625/0347, and 066625/0276 | WILMINGTON TRUST, NATIONAL ASSOCIATION, AS NOTES COLLATERAL AGENT signed 2026-01-09 | WORLDPAY, LLC CINCINNATI, OH WORLDPAY ISO AND ECOMMERCE, LLC CINCINNATI, OH PAYMETRIC, LLC CINCINNATI, OH WORLDPAY US, LLC CINCINNATI, OH | 74314/622 | PASDL, file of 2026-10-25 |
| 2024-02-19 | Security interest Security interest Security interest | WORLDPAY, LLC signed 2024-01-31 | WILMINGTON TRUST, NATIONAL ASSOCIATION, AS NOTES COLLATERAL AGENT MINNEAPOLIS, MN | 66626/655 | PASDL, file of 2026-10-25 |
| 2024-02-19 | Security interest Security interest Security interest | WORLDPAY, LLC signed 2024-01-31 | JPMORGAN CHASE BANK, N.A., AS COLLATERAL AGENT NEWARK, DE | 66624/719 | PASDL, file of 2026-10-25 |
Documents recorded with the USPTO Assignment Recordation Branch that list this patent. A security interest is a lender’s claim on the patent as collateral; a release ends it.
USPTO bulk data: PatentsView granted patents, disambiguated (PVGPATDIS) for patents, assignees, inventors, places and CPC categories; the USPTO Patent Assignment Dataset (ECORSEXC) for assignments and security interests. Patents filed in the last 20 years. No claims or full text. Links to other records are by name (and state): EXACT means the identical full name and state; FUZZY means a looser name match, with the confidence shown.