IP Library Granted Patent US 10,878,393
Granted Patent B2
US 10,878,393 · App. 16/156,101 · Granted Dec 29, 2020

Methods and apparatus for unified inventory and financial transaction management

Inventors: Nish Modi (Round Rock, TX); George Cowsar (Dripping Springs, TX); Oleksii Skutarenko (Cedar Park, TX)
Assignee: Worldpay US, Inc.
G06Q20/202G06Q10/087G06Q20/027G06Q20/12G06Q20/203G06Q20/3226G06Q20/401G06Q20/405G06Q30/0201G06Q30/04G06Q30/0601
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Quick Facts
Patent No.
US 10,878,393
App. No.
16/156,101
Granted
Dec 29, 2020
Kind
B2
Abstract

In some embodiments, a system includes one or more computers configured to implement by executing instructions on one or more processors a platform-agnostic transaction-related communication system. The transaction-related communication system includes one or more receiving modules for receiving a first item of financial transaction information from a customer-facing interface, and receiving a second item of financial transaction information from a merchant-facing point-of-sale interface. In some embodiments, the transaction-related communication system includes a point of sale server for rendering in a common internal format the first item of financial transaction information from the customer-facing interface, and rendering in the common internal format the second item of financial transaction information from the merchant-facing point-of-sale interface. In some embodiments, the transaction-related communication system includes a payment processing module for rendering in a second format the first item of financial transaction information for payment processing by a first external financial party.

Claims (69)

1. A system for providing payment processing services from a plurality of disparate payment processors to a plurality of disparate transaction intake platforms, the system comprising:

one or more computers configured to implement by executing instructions on one or more processors, a platform-agnostic transaction-related communication system, wherein the transaction-related communication system comprises:

one or more receiving modules operating in a customer-facing client application or a merchant-facing client application, the one or more receiving modules configured for:

receiving a first item of financial transaction information, and

receiving a second item of financial transaction information from a point-of-sale interface operating in the merchant-facing client application,

a point of sale server operating in an electronic commerce management provider, the point of sale server configured for:

rendering, in a common internal format, the first item of financial transaction information, and

rendering, in the common internal format, the second item of financial transaction information from the point-of-sale interface,

a payment processing module operating in the electronic commerce management provider, the payment processing module configured for:

rendering, in a second format, the first item of financial transaction information, and

rendering, in a third format, the first item of financial transaction information,

wherein the common internal format is a common intake transaction ticket format, and

wherein the one or more receiving modules comprise a single stack application interface residing on the one or more computers.

2. The system of claim 1 for providing payment processing services from a plurality of disparate payment processors to a plurality of disparate transaction intake platforms, wherein the transaction-related communication system further comprises: a transaction execution module configured for: transmitting, in the second format, the first item of financial transaction information for payment processing by a first external financial party, and transmitting, in the third format, the second item of financial transaction information for payment processing by a second external financial party.

3. The system of claim 1 for providing payment processing services from a plurality of disparate payment processors to a plurality of disparate transaction intake platforms, wherein

the system further comprises a first translation module on a mobile computing device configured for:

receiving, from the mobile computing device, the first item of financial transaction information; and

translating, to the common intake transaction ticket format, the first item of financial transaction information; and

the system further comprises a second translation module on a point of sale device configured for:

receiving, from the point of sale device, the second item of financial transaction information; and

translating, to the common intake transaction ticket format, the second item of financial transaction information.

4. The system of claim 3 for providing payment processing services from a plurality of disparate payment processors to a plurality of disparate transaction intake platforms, wherein:

receiving the first item of financial transaction information comprises receiving the first item of financial transaction information in the common intake transaction ticket format at the single stack application interface; and

receiving the second item of financial transaction information from the point-of-sale interface comprises receiving the second item of financial transaction information in the common intake transaction ticket format at the single stack application interface.

5. The system of claim 2 for providing payment processing services from a plurality of disparate payment processors to a plurality of disparate transaction intake platforms, wherein:

the transaction execution module is further configured for receiving a transaction authorization confirmation from the first external financial party; and

the point of sale server is further configured for transmitting an indication of the transaction authorization confirmation.

6. The system of claim 1 for providing payment processing services from a plurality of disparate payment processors to a plurality of disparate transaction intake platforms, wherein the payment processing module comprises a payment processing gateway for communicating with servers of external financial processors using encrypted links over a network.

7. The system of claim 1 for providing payment processing services from a plurality of disparate payment processors to a plurality of disparate transaction intake platforms, further comprising:

a business intelligence analytics module for providing business intelligence based at least in part on the first item of financial transaction information.

8. The system of claim 1 for providing payment processing services from a plurality of disparate payment processors to a plurality of disparate transaction intake platforms, further comprising:

an inventory coordination module for providing transaction fulfillment information based at least in part on the first item of financial transaction information.

9. A method for providing payment processing services from a plurality of disparate payment processors to a plurality of disparate transaction intake platforms, the method comprising:

one or more computers executing instructions on one or more processors to implement a platform-agnostic transaction-related communication system configured to perform:

receiving a first item of financial transaction information;

receiving a second item of financial transaction information from a point-of-sale interface;

rendering, by a point of sale server operating in an electronic commerce management provider, in a common internal format, the first item of financial transaction information;

rendering, by the point of sale server operating in the electronic commerce management provider, in the common internal format, the second item of financial transaction information;

rendering, by a payment processing module operating in the electronic commerce management provider, in a second format, the first item of financial transaction information; and

rendering, by the payment processing module operating in the electronic commerce management provider, in a third format, the first item of financial transaction information;

wherein the common internal format is a common intake transaction ticket format, and

wherein the one or more receiving modules comprise a single stack application interface residing on the one or more computers.

10. The method of claim 9 for providing payment processing services from a plurality of disparate payment processors to a plurality of disparate transaction intake platforms, wherein the method further comprises: transmitting in the second format, the first item of financial transaction information for payment processing by the first external financial party; and transmitting in the third format, the second item of financial transaction information for payment processing by the second external financial party.

11. The method of claim 9 for providing payment processing services from a plurality of disparate payment processors to a plurality of disparate transaction intake platforms, wherein

receiving the first item of financial transaction information further comprises receiving the first item of financial transaction information in the common intake transaction ticket format over a network from a mobile computing device, and

receiving the second item of financial transaction information f further comprises receiving the second item of financial transaction information over the network in the common intake transaction ticket format.

12. The method of claim 9 for providing payment processing services from a plurality of disparate payment processors to a plurality of disparate transaction intake platforms, further comprising

receiving on the one or more servers, a transaction authorization confirmation from the first external financial party, and

transmitting to the customer-facing interface an indication of the transaction authorization confirmation.

13. The method of claim 9 for providing payment processing services from a plurality of disparate payment processors to a plurality of disparate transaction intake platforms, wherein the method further comprises a payment processing gateway communicating with servers of external financial processors using encrypted links over a network.

14. The method of claim 9 for providing payment processing services from a plurality of disparate payment processors to a plurality of disparate transaction intake platforms, further comprising:

an inventory coordination module providing transaction fulfillment information based at least in part on the first item of financial transaction information.

15. A non-transitory computer-readable storage medium storing program instructions for providing payment processing services from a plurality of disparate payment processors to a plurality of disparate transaction intake platforms, wherein the program instructions are computer-executable to implement:

receiving a first item of financial transaction information;

receiving a second item of financial transaction information from a point-of-sale interface;

rendering, by a point of sale server operating in an electronic commerce management provider, in a common internal format the first item of financial transaction information;

rendering, by the point of sale server operating in the electronic commerce management provider, in the common internal format the second item of financial transaction information;

wherein the common internal format is a common intake transaction ticket format, and

wherein the one or more receiving modules comprise a single stack application interface residing on the one or more disparate intake platforms.

16. The non-transitory computer-readable storage medium storing program instructions of claim 15 for providing payment processing services from a plurality of disparate payment processors to a plurality of disparate transaction intake platforms, wherein the program instructions further comprise: transmitting in a second format the first item of financial transaction information for payment processing by the first external financial party; and transmitting in a third format the second item of financial transaction information for payment processing by the second external financial party.

17. The non-transitory computer-readable storage medium storing program instructions of claim 16 for providing payment processing services from a plurality of disparate payment processors to a plurality of disparate transaction intake platforms, wherein:

receiving the first item of financial transaction information further comprises receiving the first item of financial transaction information in the common intake transaction ticket format at the single stack application interface from the mobile computing device, and receiving the second item of financial transaction information further comprises receiving the second item of financial transaction information in the common intake transaction ticket format at the single stack application interface.

18. The non-transitory computer-readable storage medium storing program instructions of claim 16 for providing payment processing services from a plurality of disparate payment processors to a plurality of disparate transaction intake platforms, further comprising

program instructions computer-executable to implement receiving on one or more servers a transaction authorization confirmation from the first external financial party, and

program instructions computer-executable to implement transmitting an indication of the transaction authorization confirmation.

19. The non-transitory computer-readable storage medium storing program instructions of claim 15 for providing payment processing services from a plurality of disparate payment processors to a plurality of disparate transaction intake platforms, further comprising:

program instructions computer-executable to implement a payment processing gateway for communicating with servers of external financial processors using encrypted links over a network.

20. The non-transitory computer-readable storage medium storing program instructions of claim 15 for providing payment processing services from a plurality of disparate payment processors to a plurality of disparate transaction intake platforms, further comprising:

program instructions computer-executable to implement a business intelligence analytics module for providing business intelligence based at least in part on the first item of financial transaction information.

Assignments (5)
RELEASE OF SECURITY INTERESTS RECORDED AT REEL/FRAMES 066626/0655, 066625/0426, 066625/0347, AND 066625/0276 Recorded Jan 12, 2026
From: WILMINGTON TRUST, NATIONAL ASSOCIATION, AS NOTES COLLATERAL AGENT
To: WORLDPAY, LLC; WORLDPAY ISO AND ECOMMERCE, LLC; PAYMETRIC, LLC; WORLDPAY US, LLC
Reel/Frame 074314/0622 →
RELEASE OF SECURITY INTEREST IN INTELLECTUAL PROPERTY RECORDED AT R/F 066624/0719 Recorded Jan 12, 2026
From: JPMORGAN CHASE BANK, N.A., AS COLLATERAL AGENT
To: WORLDPAY, LLC
Reel/Frame 074315/0412 →
SECURITY INTEREST Recorded Feb 19, 2024
From: WORLDPAY, LLC
To: JPMORGAN CHASE BANK, N.A., AS COLLATERAL AGENT
Reel/Frame 066624/0719 →
SECURITY INTEREST Recorded Feb 19, 2024
From: WORLDPAY, LLC
To: WILMINGTON TRUST, NATIONAL ASSOCIATION, AS NOTES COLLATERAL AGENT
Reel/Frame 066626/0655 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Mar 15, 2019
From: MODI, NISH; COWSAR, GEORGE; SKUTARENKO, OLEKSII
To: WORLDPAY US, INC.
Reel/Frame 048611/0246 →
Continuity (6)
Continuation 14808383 · Jul 24, 2015
Provisional Application 62081329 · Nov 18, 2014
Provisional Application 62030335 · Jul 29, 2014
Provisional Application 62028933 · Jul 25, 2014
Provisional Application 62028763 · Jul 24, 2014
Related Publication 20190043032A1 · Feb 7, 2019