Steve Wallace Cracknell

20130054465, Feb 28, 2013

Aug 30, 2012

13/599969

Ross Sakata - Foster City CA, US
Gourab Basu - Half Moon Bay, CA
Michael Mori - San Mateo CA, US
Steve Cracknell - San Mateo CA, US
Judson Reed - San Ramon CA, US

G06Q 20/40

705 44

Systems and methods are disclosed for routing a transaction based on an assessment of costs associated with multiple payment processing networks. A transaction broker server determines how to route a received authorization request message for a transaction based on a first cost associated with processing the transaction via a first payment processing network and a second cost associated with processing the transaction via a second payment processing network. If the first cost is less than or equal to the second cost, the authorization request message is routed to the first payment processing network. If the first cost exceeds the second cost, at least one rule is applied to determine whether the first cost is to be reduced. If the at least one rule is satisfied, the first cost is reduced and the authorization request message is routed to the first payment processing network.

20170300903, Oct 19, 2017

Aug 12, 2016

15/235948

MICHAEL MORI - SAN MATEO CA, US
GOURAB BASU - HALF MOON BAY CA, US
STEVE CRACKNELL - SAN MATEO CA, US

G06Q 20/40
G06Q 10/06
G06Q 20/10
G06Q 40/08

Embodiments of the invention are directed to a transaction decisioning system implemented by a payment processing network that helps mitigate the payment processor's financial risk. One way the transaction decisioning system mitigates the financial risk is by limiting the number of transactions a client can approve in comparison to a calculated risk threshold.

20140188586, Jul 3, 2014

Jan 2, 2014

14/146655

Andrew Carpenter - Belmont CA, US
Glenn Powell - Fremont CA, US
Patrick Stan - Pacifica CA, US
Ryan Hagey - Alameda CA, US
Michael Mori - San Mateo CA, US
Steve Cracknell - San Mateo CA, US
Mark Carlson - Half Moon Bay CA, US
Gourab Basu - Half Moon Bay CA, US

G06Q 30/02
G06Q 20/02
G06Q 20/38

705 1423

Processing of a transaction involving one or more third-parties and offers is described. Certain embodiments allow for suspending a received authorization request message which includes a transaction amount and a token mapped to a primary account number. One or more third-parties may be queried for an offer or discount eligible towards the transaction. The authorization request message may be adjusted to reflect one or more eligible offers from the one or more third-parties. The authorization request message may also be adjusted to replace the token with the mapped PAN. The authorization request message may then be sent to an issuer for further processing.