Fintech
Fintech prior art search
Search prior art for financial technology inventions: payments, authentication, lending, and fraud detection.
Related fintech patents
- US7967195B2First Data CorporationPublished 2011-06-28
A network arrangement is provided for processing credit transactions. A financial network is used to route communications securely between interfaces with the financial network. Merchant systems are coupled with the interfaces, with each merchant system transmitting requests for authorization of ...
- US8768840B2William O. BozemanPublished 2014-07-01
A Universal Positive Pay Database (UPPD) method, system and/or computer useable medium to reduce financial transaction fraud. A UPPD database is configured to store thereon transaction records associated with financial transactions corresponding to customers of the UPPD database. A particular ...
- US9965757B2|Am| Authentications Inc.Published 2018-05-08
A computer implemented system and method for controlling access to a financial account, the system comprising: one or more memories for storing information and at least one set of instructions, and one or more processors for receiving the financial account information at an access terminal, ...
- US20260195761A1Apex Techlink, Inc.Published 2026-07-09
A transaction is authorized using biometric verification and a time-limited passcode. A central computer reads first biometric information from an identification document and reads second biometric information from a party, compares the first and second biometric information, and authenticates an ...
- US20210343090A1Visa U.S.A. Inc.Published 2021-11-04
A method is disclosed. The method includes interacting with a gate access device that is capable of preventing access to a location, where the gate access device subsequently sends an authorization request message to an issuer for approval, the authorization request message including a request to ...
- US8255303B2Ebay Inc.Published 2012-08-28
Systems and methods for operating a payment service provider include storing information associating the identity of a buyer with a plurality of the buyer's payment source accounts and a plurality of personal identity numbers (PINs) respectively associated therewith in a database of the payment ...
- CN102282593BUc集团有限公司Published 2016-04-13
Systems and methods for processing transactions with online merchants Background technique Generally, when a customer wishes to use a payment card (credit or debit card) with a merchant (on the Internet or otherwise), the customer sends an electronic authorization request to the acquiring bank.
- US7975911B2Diebold, IncorporatedPublished 2011-07-12
A banking system is controlled responsive to data included on data bearing records. The system includes a deposit accepting machine for accepting deposit items, such as deposit bags, currency, and checks. The deposit accepting machine is in connection with a card reader operative to read data ...
Search your own fintech idea
Describe your invention in plain language with its key technical features. Persoona queries Google Patents and ranks the closest results.
Why a prior art search matters for fintech
Fintech sits at the intersection of business methods and security, so the closest art can come from either. A search helps you frame the technical, non-abstract contribution examiners look for.
- Pure financial schemes are abstract; the patentable contribution is usually a technical mechanism.
- Standards bodies and bank technical documentation are searchable prior art.
- Security and cryptography claims have their own dense prior art to check.