Michelle K Plomske

20140040144, Feb 6, 2014

Jul 31, 2012

13/563534

Michelle K. Plomske - Durango CO, US
Charles E. Watts - Durango CO, US
Matthew D. Ozvat - Durango CO, US

G06Q 20/20

705 64

Systems and methods for multi-merchant tokenization may include receiving a transaction from a point of sale terminal of a merchant, validating the merchant ID against merchant logs, and generating a token for the transaction. The token includes a primary account number, expiration, and a group ID. Additionally, the system provides the primary account number to a payment system and receives a response back. The response is then output back to the merchant along with the token. In subsequent transactions, the system may receive the token from a one point of sale terminal of the merchant. The system validates the merchant ID against merchant logs and ensures the merchant is configured for tokenization. The token is decrypted and the group ID is compared to the merchant ID in the merchant logs. When they match, the primary account number is provided to the payment system for approval.

20140040148, Feb 6, 2014

Aug 1, 2013

13/957424

Nicholas G. Nayfack - Durango CO, US
John Berkley - Durango CO, US
Travis L. Priest - Durango CO, US
Michelle K. Plomske - Durango CO, US
Charles E. Watts - Durango CO, US
Robert Bonestell - Durango CO, US
Daniel Ourada - Bend OR, US
Kevin Oliver - Durango CO, US

Mercury Payment Systems, LLC - Durango CO

G06Q 20/38

705 71

An arbitraged enhanced payment processing system in association with a distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant ID via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a payment processing servicer. Upon receiving a payment processing servicer response, the payment management system outputs the response and token to the POS terminal system.

20140040145, Feb 6, 2014

Jan 16, 2013

13/743283

Matthew D. Ozvat - Durango CO, US
Michelle K. Plomske - Durango CO, US
Charles E. Watts - Durango CO, US
Robert Bonestell - Durango CO, US
Daniel Ourada - Bend OR, US
Kevin Oliver - Durango CO, US

G06Q 20/40

705 64

A distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant ID via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a remote virtual electronic payment (VEP) entity system. Upon receiving a VEP entity system response, the payment management system outputs the response and token to the POS terminal system.

20220343324, Oct 27, 2022

Jul 12, 2022

17/811940

- Symmes Township OH, US
Nicholas G. NAYFACK - Half Moon Bay CA, US
John BERKLEY - Durango CO, US
Travis L. PRIEST - Sarasota FL, US
Michelle K. PLOMSKE - Durango CO, US
Charles E. WATTS - Durango CO, US
Robert BONESTELL - Durango CO, US
Daniel J. OURADA - Bend OR, US
Kevin OLIVER - Durango CO, US

G06Q 20/38
G06Q 20/20
G06Q 20/40

An arbitraged enhanced payment processing system in association with a distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant ID via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a payment processing servicer. Upon receiving a payment processing servicer response, the payment management system outputs the response and token to the POS terminal system.

20220245638, Aug 4, 2022

Apr 14, 2022

17/659192

- Symmes Township OH, US
Michelle K. PLOMSKE - Durango CO, US
Charles E. WATTS - Durango CO, US
Robert BONESTELL - Durango CO, US
Daniel J. OURADA - Bend OR, US
Kevin OLIVER - Durango CO, US

G06Q 20/40
G06Q 20/20
G06Q 20/02

A distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant ID via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a remote virtual electronic payment (VEP) entity system. Upon receiving a VEP entity system response, the payment management system outputs the response and token to the POS terminal system.

20200320532, Oct 8, 2020

Jun 19, 2020

16/906398

- Symmes Township OH, US
Michelle K. PLOMSKE - Durango CO, US
Charles E. WATTS - Durango CO, US
Robert BONESTELL - Durango CO, US
Daniel J. OURADA - Bend OR, US
Kevin OLIVER - Durango CO, US

G06Q 20/40
G06Q 20/20
G06Q 20/02

A distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant ID via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a remote virtual electronic payment (VEP) entity system. Upon receiving a VEP entity system response, the payment management system outputs the response and token to the POS terminal system.

20200211006, Jul 2, 2020

Mar 13, 2020

16/818539

- Symmes Township OH, US
Nicholas G. NAYFACK - Half Moon Bay CA, US
John BERKLEY - Durango CO, US
Travis L. PRIEST - Sarasota FL, US
Michelle K. PLOMSKE - Durango CO, US
Charles E. WATTS - Durango CO, US
Robert BONESTELL - Durango CO, US
Daniel J. OURADA - Bend OR, US
Kevin OLIVER - Durango CO, US

G06Q 20/38
G06Q 20/40
G06Q 20/20

An arbitraged enhanced payment processing system in association with a distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant ID via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a payment processing servicer. Upon receiving a payment processing servicer response, the payment management system outputs the response and token to the POS terminal system.

20190272543, Sep 5, 2019

May 22, 2019

16/419932

- Symmes Township OH, US
Michelle K. PLOMSKE - Durango CO, US
Charles E. WATTS - Durango CO, US
Robert BONESTELL - Durango CO, US
Daniel J. OURADA - Bend OR, US
Kevin OLIVER - Durango CO, US

G06Q 20/40
G06Q 20/02
G06Q 20/20

A distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant ID via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a remote virtual electronic payment (VEP) entity system. Upon receiving a VEP entity system response, the payment management system outputs the response and token to the POS terminal system.