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FISPatent grant

FIS was granted a patent for machine-learning transaction engagement.

What happened

In September 2026 FIS patented technology for tailoring payment interactions across identity and funding providers at digital points of engagement.

Source

Abstract

A system for processing a transaction at a point of engagement comprising receiving an input interaction from a user, communicating with a plurality of identity providers to validate an identity of the user, communicating with a plurality of payment providers to collect available payment or funding options, mapping the input interaction to an output interaction, and performing a transaction that reflects the mapping of the input interaction to the output interaction.

patents.google.com/patent/US12743695Read the full source

Extracted by Autobound

From the Signal API record
Signal
Patent grant

What this signalsA new patent often shows where a company is putting its R&D budget.

Grant date
Sep 22, 2026
Inventors
Stephane Wyper, James Clayton
Tech area
business methods / CRM / fintech
Patent number
US12743695

The full record

From the Signal API record

People

  • Stephane WyperInventor
  • James ClaytonInventor

Details

Primary CPC class
G06Q 20/4014 (Data processing systems for administrative, commercial, financial, managerial or supervisory purposes)
USPTO assignee
FIDELITY INFORMATION SERVICES, LLC
What the invention does
A decision engine verifies the user, checks available ways to pay, and converts the initial request into the transaction response best suited to that interaction.

Topics and mentions

Tags

  • Intellectual Property
  • Research & Development
  • Artificial Intelligence
  • Machine Learning
  • Financial Transactions

Technologies named

  • machine learning
  • payment processing
  • identity verification
  • transaction systems

Extraction

Detected
Sep 23, 2026
signal_type
patents-company
signal_subtype
patentGrant

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This page shows a preview. The full patents-company record in the Signal API and MCP can also have these 8 fields. Some fields are empty for some signals.

Company

  • linkedin_urlValue in the API
  • industriesValue in the API
  • employee_count_lowValue in the API
  • employee_count_highValue in the API
  • revenueValue in the API
  • descriptionValue in the API

Signal

  • signal_nameValue in the API
  • associationValue in the API
Show the full JSONThe record on this page and the API request

GET /v1/signals/2e1a2a77-74de-5fe1-83c5-e715e84d492c returns this record as JSON. POST /v1/companies/enrich returns every signal for fisglobal.com.

{
  "signal_id": "2e1a2a77-74de-5fe1-83c5-e715e84d492c",
  "signal_type": "patents-company",
  "signal_subtype": "patentGrant",
  "detected_at": "2026-09-23T15:08:20+00:00",
  "company": {
    "name": "FIS",
    "domain": "fisglobal.com"
  },
  "data": {
    "cpc": [
      {
        "code": "G06Q 20/4014",
        "label": "Data processing systems for administrative, commercial, financial, managerial or supervisory purposes"
      },
      {
        "code": "G06N 20/00",
        "label": "Computing arrangements based on specific computational models"
      },
      {
        "code": "G06Q 20/389",
        "label": "Data processing systems for administrative, commercial, financial, managerial or supervisory purposes"
      },
      {
        "code": "G06Q 20/4016",
        "label": "Data processing systems for administrative, commercial, financial, managerial or supervisory purposes"
      }
    ],
    "tags": [
      "Intellectual Property",
      "Research & Development",
      "Artificial Intelligence",
      "Machine Learning",
      "Financial Transactions"
    ],
    "detail": "In September 2026 FIS patented technology for tailoring payment interactions across identity and funding providers at digital points of engagement.",
    "summary": "FIS was granted a patent for machine-learning transaction engagement.",
    "event_at": "2026-09-22",
    "inventors": [
      {
        "name": "Stephane Wyper",
        "status": "resolved",
        "is_primary": true,
        "linkedin_url": "https://www.linkedin.com/in/stephanewyper"
      },
      {
        "name": "James Clayton",
        "status": "unresolved",
        "is_primary": false
      }
    ],
    "tech_area": "business methods / CRM / fintech",
    "event_kind": "grant_date",
    "grant_date": "2026-09-22",
    "source_url": "https://patents.google.com/patent/US12743695",
    "cpc_primary": {
      "code": "G06Q 20/4014",
      "label": "Data processing systems for administrative, commercial, financial, managerial or supervisory purposes"
    },
    "patent_title": "Methods, systems, and devices for machine learning-based contextual engagement decision engine",
    "patent_number": "US12743695",
    "uspto_assignee": "FIDELITY INFORMATION SERVICES, LLC",
    "patent_abstract": "A system for processing a transaction at a point of engagement comprising receiving an input interaction from a user, communicating with a plurality of identity providers to validate an identity of the user, communicating with a plurality of payment providers to collect available payment or funding options, mapping the input interaction to an output interaction, and performing a transaction that reflects the mapping of the input interaction to the output interaction.",
    "precision_class": "structural",
    "invention_explanation": "A decision engine verifies the user, checks available ways to pay, and converts the initial request into the transaction response best suited to that interaction.",
    "technologies_mentioned": [
      "machine learning",
      "payment processing",
      "identity verification",
      "transaction systems"
    ]
  }
}

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