Patents

US 12770129 B2: Systems and methods for payment management for supporting mobile payments

Granted: 2026-10-20
Filed: 2022-05-31 application 17804635
Type: Utility · 16 claims
Elsewhere: Google Patents ↗ · USPTO patent document ↗ · USPTO Patent Center record ↗

Abstract

Systems and methods for managing mobile payments is provided. An account issuer provides an application that is loaded onto a mobile device, which enables a consumer to pay for transactions. The mobile payment application generates a unique code. The code is read by the point of sale terminal, which is then provided to the payment management system. The payment management system contracts the account issuer and authenticates the code, thereby receiving a primary account number. Account number and transaction information is used to authorize the transaction via payment systems. The payment system accepts or declines the transaction in a response. Tokens may be generated for the account number, and value added services may be generated based upon user behaviors.

Source: PTBLXML, file of 2026-10-20 (ipgb20261020.xml).

Assignees

Assignee	Type	Place	Also on furp.org	Source
Worldpay, LLC 477 patents	US company or organization	Symmes Township, OH		PTBLXML, file of 2026-10-20

Inventors

Inventor	Place	Patents	Source
Travis Lee Priest	Sarasota, FL		PTBLXML, file of 2026-10-20
Daniel J. Ourada	Bend, OR	15	PTBLXML, file of 2026-10-20
Matthew D. Ozvat	Durango, CO	26	PTBLXML, file of 2026-10-20
Daniel J. Murphy	Castle Pines, CO		PTBLXML, file of 2026-10-20
Nicholas G. Nayfack	Half Moon Bay, CA	15	PTBLXML, file of 2026-10-20
Charles E. Watts	Durango, CO	23	PTBLXML, file of 2026-10-20

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	G06Q20/3226	PTBLXML, file of 2026-10-20

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.