Nicholas Georges Nayfack

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.

20220343298, Oct 27, 2022

Jul 12, 2022

17/811894

- Symmes Township OH, US
Nicholas G. NAYFACK - Half Moon Bay CA, US

G06Q 20/08
G06Q 20/40
G06Q 20/20

A point of sale terminal of a merchant includes a third party payment provider display area for payment using a third party payment provider. The point of sale terminal receives an authentication notification for a consumer from the third party payment provider. The consumer is authenticated using one or more of a personal identification number, an image of the consumer, a quick response code scanned from a mobile device of the consumer, or a code received via near field communications with the mobile device of the consumer. The point of sale terminal requests payment from the third party payment provider for a transaction with the consumer using the transaction amount and authentication information. The third party provider display area allows new payment modalities to be used at the point of sale terminal without requiring modification of the instructions for the point of sale terminal.

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.

20210390520, Dec 16, 2021

Aug 26, 2021

17/446128

- Symmes Township OH, US
Nicholas G. NAYFACK - Half Moon Bay CA, US

G06Q 20/08
G06Q 20/40
G06Q 20/20

A point of sale terminal of a merchant includes a third party payment provider display area for payment using a third party payment provider. The point of sale terminal receives an authentication notification for a consumer from the third party payment provider. The consumer is authenticated using one or more of a personal identification number, an image of the consumer, a quick response code scanned from a mobile device of the consumer, or a code received via near field communications with the mobile device of the consumer. The point of sale terminal requests payment from the third party payment provider for a transaction with the consumer using the transaction amount and authentication information. The third party provider display area allows new payment modalities to be used at the point of sale terminal without requiring modification of the instructions for the point of sale terminal.

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.

20200193394, Jun 18, 2020

Feb 6, 2020

16/783418

- Symmes Township OH, US
Nicholas G. NAYFACK - Half Moon Bay CA, US

G06Q 20/08
G06Q 20/40
G06Q 20/20

A point of sale terminal of a merchant includes a third party payment provider display area for payment using a third party payment provider. The point of sale terminal receives an authentication notification for a consumer from the third party payment provider. The consumer is authenticated using one or more of a personal identification number, an image of the consumer, a quick response code scanned from a mobile device of the consumer, or a code received via near field communications with the mobile device of the consumer. The point of sale terminal requests payment from the third party payment provider for a transaction with the consumer using the transaction amount and authentication information. The third party provider display area allows new payment modalities to be used at the point of sale terminal without requiring modification of the instructions for the point of sale terminal.

20160364701, Dec 15, 2016

Jun 15, 2015

14/739250

- Cincinnati OH, US
Nicholas G. Nayfack - Half Moon Bay CA, US

G06Q 20/08
G06Q 20/20
G06Q 20/40

A point of sale terminal of a merchant includes a third party payment provider display area for payment using a third party payment provider. The point of sale terminal receives an authentication notification for a consumer from the third party payment provider. The consumer is authenticated using one or more of a personal identification number, an image of the consumer, a quick response code scanned from a mobile device of the consumer, or a code received via near field communications with the mobile device of the consumer. The point of sale terminal requests payment from the third party payment provider for a transaction with the consumer using the transaction amount and authentication information. The third party provider display area allows new payment modalities to be used at the point of sale terminal without requiring modification of the instructions for the point of sale terminal.

20140108261, Apr 17, 2014

Oct 4, 2013

14/046912

- Durango CO, US
Daniel J. Ourada - Bend OR, US
Matthew D. Ozvat - Durango CO, US
Daniel J. Murphy - Castle Pines CO, US
Nicholas G. Nayfack - Durango CO, US
Charles E. Watts - Durango CO, US

Mercury Payment Systems, LLC - Durango CO

G06Q 20/32
G06Q 20/40
G06Q 20/20

705 67, 705 21

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.