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Transaction patents



      

This page is updated frequently with new Transaction-related patent applications.




Date/App# patent app List of recent Transaction-related patents
05/19/16
20160143004 
 Mobile communications resource management system patent thumbnailnew patent Mobile communications resource management system
A mobile communications resource manager including a smart card configured to accept and store a user's personal information suitable for use in commercial transactions (physical tap or electronically) and communications operations, a cellular radio modem, at least one non-cellular radio modem and a controller. The controller is configured for establishing a short-range wireless connection via said non-cellular modem to at least one user accessible electronic device with human interface functionality and accepting a service request from the at least one user accessible electronic device and making a modem selection by selecting either a cellular or a non-cellular connection via a modem resident in the mobile communications resource manager to provide the communications link for the service request, based on a rule resident in the mobile communications resource manager..
Iota, Inc.


05/19/16
20160142879 
 Establishment based social networking system patent thumbnailnew patent Establishment based social networking system
The present invention is a conventional mobile wireless communications device including a location based ad hoc network system, using a location beacon and wireless device management software. When a wireless device comes in range of the beacon signal, the wireless device will see the presence of the beacon, and when the beacon is selected, the wireless device is now enabled to potentially communicate with all other such enabled wireless devices.

05/19/16
20160142871 
 Technique for effective organization and communication of information patent thumbnailnew patent Technique for effective organization and communication of information
In a communication arrangement in accordance with the invention, a server is employed to collect and organize information for mobile device users according to the user profiles, e.g., personal profile, business profile, vacation profile, etc., which reflect different user personae. Moreover, with the server, incoming messages for the user are organized and stored according to the source of the messages and the user criteria established in the user profiles.
Silver State Intellectual Technologies, Inc.


05/19/16
20160142378 
 Reaching anonymization service levels through added transactions patent thumbnailnew patent Reaching anonymization service levels through added transactions
Methods, apparatuses, systems, and computer-readable media for an anonymization service level improvement system (“ali”) are described. One or more transactions may be generated by a system to be transmitted outside of a secure area.
Intel Corporation


05/19/16
20160140665 
 Method and system of improving the integrity of location data in records resulting from atm-based single message transactions processed over a payment network patent thumbnailnew patent Method and system of improving the integrity of location data in records resulting from atm-based single message transactions processed over a payment network
A method and system are provided herein of improving the integrity of location data in records resulting from atm-based single message transactions processed over a payment network including: electronically storing records on a specialized computing device, the records resulting from atm-based single message transactions processed over a payment network; geocoding location data in the records to generate geocoded records which are electronically stored on the specialized computing device; extracting at least two details from a first of the geocoded records; and, comparing, using a special purpose database management system, the at least two details with data structures maintained in a special purpose database of atm-related information generated independently of the records resulting from the atm-based single message transactions. Advantageously, the subject invention allows for the integrity of the details of the processed transactions to be improved, in reporting to users, to minimize confusion and challenges of fraud..
Mastercard International Incorporated


05/19/16
20160140657 
 Transaction processor for clearing interest rate swaps with improved efficiency patent thumbnailnew patent Transaction processor for clearing interest rate swaps with improved efficiency
The disclosed embodiments relate to improving the efficiency of an electronic trading system for interest rate swaps (“irs”) by allowing for irs contracts to be funded in a base currency while the cash flows, e.g. Coupon payments, price alignment interest, variation margin, are denominated in a local currency different from the base currency.
Chicago Mercantile Exchange Inc.


05/19/16
20160140650 
 Notifying device, program, non-transitory recording medium, and method patent thumbnailnew patent Notifying device, program, non-transitory recording medium, and method
A notifying device (300) includes an information obtaining unit (320) obtaining, for each of the plurality of transactions, a notification date and hour preceding by a set time interval from the deadline for each transaction. The notifying device (300) includes a notification sending unit (370) sending, to a user who watches each transaction, a notification of the deadline for each transaction after the notification date and hour obtained for each transaction comes.
Rakuten, Inc.


05/19/16
20160140604 
 Customer transaction prompting advertisement presentment and impressions patent thumbnailnew patent Customer transaction prompting advertisement presentment and impressions
Embodiments of the invention are directed to a system, method, or computer program product for advertisement presentment based on customer transactions at a brick and mortar merchant location. The invention compiles transaction data across a financial institution for transactions with a merchant.
Bank Of America Corporation


05/19/16
20160140596 
 Randomized reward system for stored value transactions patent thumbnailnew patent Randomized reward system for stored value transactions
A transaction parameter date set comprising input variables characterizing the transaction conditions are collected when an electronic payment is initiated on an electronic payment system. The collected transaction input variables are used to calculate an expected future transaction value using a decision function.
Google Inc.


05/19/16
20160140582 
 Information transactions over a network patent thumbnailnew patent Information transactions over a network
In one example, a method for managing information in an environment that includes a client device includes accessing, at the client device, an electronic input interface. Next, the client device transmits a signal to a host system associated with the electronic input interface by entering consumer profile information into the electronic input interface.
Intellectual Ventures I Llc


05/19/16
20160140567 
new patent

Model-based prediction of an optimal convenience metric for authorizing transactions


The present disclosure describes systems and methods for authorization. The method may include accessing, by an authorization engine for a transaction by a user, an activity pattern model of the user from a database.
Eyelock Llc


05/19/16
20160140565 
new patent

Refreshing a behavioral profile stored on a mobile device


A system, method and a device for offline authentication of transactions using mobile device, based on, analytic engine such as behavioral pattern detection are provided. The behavioral pattern can be for a specific person, for group of people with similar characteristics, or a combination of the two.
Offla Selfsafe Ltd.


05/19/16
20160140564 
new patent

Mobile device fraud detection using locally stored behavioral information of others


A system; method and a device for offline authentication of transactions using mobile device, based on, analytic engine such as behavioral pattern detection are provided. The behavioral pattern can be for a specific person, for group of people with similar characteristics, or a combination of the two.
Offla Selfsafe Ltd.


05/19/16
20160140562 
new patent

Systems and methods for detecting transaction card fraud based on geographic patterns of purchases


A computer-implemented method for detecting potentially fraudulent cardholder transactions is implemented by a fraud detection computer system in communication with a memory. The method includes identifying a first home location for a first cardholder, identifying an expected range of travel relative to the first home location for the first cardholder when making a typical financial transaction in at least one merchant category, receiving transaction data associated with a first financial transaction, retrieving the first home location based on the cardholder data and a merchant location for the first merchant based on the merchant data, calculating a distance of travel between the first merchant location and the cardholder home location, comparing the calculated distance of travel to the expected range of travel, and flagging the first financial transaction as potentially fraudulent upon determining that the calculated distance of travel exceeds the expected range of travel..
Mastercard International Incorporated


05/19/16
20160140560 
new patent

Autonomous fraud interrogation by mobile device


A system, method and a device for offline authentication of transactions using mobile device, based on, analytic engine such as behavioral pattern detection are provided. The behavioral pattern can be for a specific person, for group of people with similar characteristics, or a combination of the two.
Offla Selfsafe Ltd.


05/19/16
20160140557 
new patent

E-commerce based payment system with authentication of electronic invoices


A payment website coordinates payment transactions related to purchases by account holders from merchants. Merchants may open transactions and request authorization from the account holders' account issuers.
Mastercard International Incorporated


05/19/16
20160140553 
new patent

Authentication and transactions in a three-dimensional image enhancing display device


A computerized method for facilitating a purchase transaction for a user in a first reality environment. The method includes receiving at least one level of authentication data of the user from a three-dimensional image enhancing device.
Visa International Service Association


05/19/16
20160140551 
new patent

Mobile device incremental behavioral profile updates


A system, method and a device for offline authentication of transactions using mobile device, based on, analytic engine such as behavioral pattern detection provided. The behavioral pattern can be for a specific person, for group of people with similar characteristics, or a combination of the two.
Offla Selfsafe Ltd.


05/19/16
20160140545 
new patent

Cloud-based transactions with magnetic secure transmission


Techniques for enhancing the security of a communication device when conducting a transaction using the communication device may include using a limited-use key (luk) to generate a transaction cryptogram, and transmitting a token instead of a real account identifier and the transaction cryptogram to an access device to conduct the transaction. The token and the transaction cryptogram can be transmitted to a magnetic stripe reader by generating an emulated magnetic signal.

05/19/16
20160140538 
new patent

Mobile device local interruption of transactions


A system method and a device for offline authentication of transactions using mobile device, based on, analytic engine such as behavioral pattern detection are provided. The behavioral pattern can be for a specific person, for group of people with similar characteristics or a combination of the two.
Offla Selfsafe Ltd.


05/19/16
20160140536 
new patent

Mobile phone payment system using integrated camera credit card reader


A system and a method for conducting credit card transactions through a mobile device of a user. The mobile device comprises an image acquisition unit and a mobile application operated by the mobile device.
Jumio Inc.


05/19/16
20160140526 
new patent

Smart appliance processing system and associated methods


Smart appliance processing systems and methods for enabling dynamic control and management of electronically stored consumables inventories are provided. A smart server acquires electronically from a merchant product data concerning one or more consumables acquired at the merchant during one or more purchase transactions conducted by a customer in association with an identifier of the customer.
Mastercard International Incorporated


05/19/16
20160140168 
new patent

Apparatuses, methods and systems for a lead generating hub


The apparatuses, methods and systems for a lead generating hub (“hub”) facilitates the generation, evaluation, and recording of information and activities related to property transactions and associated communications. In embodiments, the hub may be configured to identify leads for users based on user-entered information, user contacts, and/or the properties associated with a user and/or in which a user is interested.
Brokersavant Inc.


05/19/16
20160140160 
new patent

Transaction processing apparatus, transaction processing method, and computer-readable recording medium


The transaction processing apparatus (100) includes: a transaction analyzer (101) that determines whether or not a transaction is a transaction that acquires a lock to operate and specifies, on a data storage device (200), data that is to be accessed by the transaction; a lock manager (102) that causes, if the transaction acquires a lock to operate, this transaction to acquire the lock; and a transaction executor (103) that executes this transaction on the condition that another transaction other than this transaction has not acquired the lock, and updates, based on the execution result, the data that is to be accessed.. .
Nec Corporation


05/19/16
20160140149 
new patent

Dynamic modification of database schema


Systems and methods are disclosed that perform dynamic database schema modification. A database system may receive a request to change a schema.
Unisys Corporation


05/19/16
20160140073 
new patent

Programmable validation of transaction requests


A data processor includes an input/output bridge that provides enforcement of a security status on transactions between devices across the bridge. The bridge includes circuitry to parse a received request to obtain one or more identifiers, and compare the identifiers against one or more programmable lookup tables.
Cavium, Inc.


05/19/16
20160140023 
new patent

Modeling and testing interactions between components of a software system


Various systems and methods for are disclosed. For example, a method can involve extracting information from a response.
Interactive Tko, Inc.


05/19/16
20160139806 
new patent

Independent ordering of independent transactions


An input/output bridge controls access to a memory by a number of devices and maintains an order of access requests under virtualization. In particular, the bridge manages and enforces order among multiple independent threads of requests to a memory.
Cavium, Inc.


05/19/16
20160139201 
new patent

Debug interface for multiple cpu cores


A system includes processor cores that receive packets over a debug bus. The cores execute transactions in response to the packets.
Cavium, Inc.


05/12/16
20160134425 

System and rules-based control of custody of electronic signature transactions


Techniques for electronic signature processes are described. Some embodiments provide an electronic signature service (“ess”) configured to facilitate the creation, storage, and management of electronic signature documents.

05/12/16
20160132893 

System and returned goods management


A solution for centralized management of returned goods transactions is described. The solution may receive a returned good content that comprises a picture of a returned good.

05/12/16
20160132891 

System and facilitating secure self payment transactions of retail goods


Disclosed herein are various embodiments for systems and methods for self payment and verification of the purchase of retail goods and services. According to an embodiment of the invention, a method for verifying the purchase using a mobile electronic device in wireless communication with a payment verification system and a code generating system is provided, the method comprising the steps of: receiving from a consumer information identifying an item for purchase; receiving from a consumer information identifying payment means for purchasing the item for purchase; processing the information identifying the item for purchase and information identifying payment means and generating a unique qr code indicating a purchase of the item; sending the unique qr code to a mobile device for display by a consumer to the vendor of the item for purchase..

05/12/16
20160132890 

Point of transaction device with multi-factor authentication


Systems, devices, and methods for multi-factor authentication for transaction processing are provided. A point-of-transaction device captures customer information, biometric data, and images of identification documents and transmits the information to a transaction information server which receives the transaction request, queries one or more storage records to confirm the identity of the customer to the transaction and to determine whether the customer is authorized to engage in the transaction.
Id Mission


05/12/16
20160132883 

System and verification, authentication, and notification of transactions


A system and method are provided for verifying, authenticating, and providing notification of a transaction such as a commercial or financial transaction, with and/or to at least one party identified as engaging in the transaction and/or identified as having a potential interest in the transaction or type of transaction.. .
St. Isidore Research, Llc


05/12/16
20160132880 

Authorizing transactions using mobile device based rules


Rules relating to the authorization of contactless payment transactions may be stored on a mobile device. After provision of contactless payment credentials to a merchant, the mobile device receives a query relating to the authorization of the transaction.
Visa International Service Association


05/12/16
20160132876 

Automatic closed loop payment redemption


Redeeming closed loop payment instruments in wallet account transactions comprises a payment system server configured to associate financial accounts with a payment account of a user, comprising at least one closed loop account. The server receives, from a card network, a first payment authorization request originating from a merchant, comprising the payment account identifier and a request to fund a transaction.
Google Inc.


05/12/16
20160132875 

Enhancement of mobile device initiated transactions


An account management system receives a payment authorization request from a merchant system for a transaction involving a user. The account management system identifies one or more user accounts associated with the transaction and processes the transaction after sending a payment authorization request to the issuer(s) of the user's financial account(s) and receiving an approval.
Google Inc.


05/12/16
20160132870 

Method and system for processing secure offline transactions


This application discloses a method implemented at a server to facilitate secure offline transactions. The server receives, from a client device, an authorization request that includes a user identifier, first financial account information and a secure code.
Tencent Technology (shenzhen) Company Limited


05/12/16
20160132867 

System and split payment card account transactions


A method includes receiving a first account indicator, where the first account indicator identifies a first financial account. The method further includes receiving a second account indicator, which identifies a second financial account.
Mastercard International Incorporated


05/12/16
20160132862 

Enhanced near field communications attachment


A secure fob that enables a user to pay for an item or items without needing to present a mobile device. A secure fob may include a proximity capability to ensure that a mobile device is within a particular range, thereby eliminating the risk of fraudulent charges on a stolen fob.
Capital One Financial Corporation


05/12/16
20160132859 

Initiating peer-to-peer transactions with a magnetic strip card


The present invention provides a computer-implemented method to conduct a peer-to-peer transaction. A peer-to-peer transaction system receives a request for transaction approval from a merchant network device.
Google Inc.


05/12/16
20160132851 

Location-based authentication of transactions conducted using mobile devices


A transaction authentication system authenticates a transaction by determining whether a mobile device and pos device involved in the transaction are at the same location. A pos registry stores location data for pos devices.
Early Warning Services, Llc


05/12/16
20160132850 

System and merchants to charge fees to buyers for credit card and debit card transactions


System and method for calculating and applying surcharges or payment type fees to payment transactions. A calculation device receives pricing and payment information for a transaction, such as a credit or debit card transaction, and calculates a surcharge or payment type fee based upon the transaction costs that will apply if the transaction is completed.

05/12/16
20160132849 

System and an on demand media kiosk


A method and system for transferring media on demand to a mobile computing device of a consumer is presented. A sensor in a kiosk identifies a consumer by facial recognition algorithms or identification of the mobile computing device of the consumer.
Toshiba America Business Solutions, Inc.


05/12/16
20160132843 

Mymoney - a computer/mobile device application


A system for exchanging/transferring money between individuals or groups through a social mobile device application. Based on a mobile social media platform between known parties for personal and business monetary exchanges and payment transactions.

05/12/16
20160132841 

Transacting across multiple transactional domains


One or more techniques and/or systems are provided for facilitating transactions across multiple transactional domains. For example, a first committer stores first data according to a first transactional domain (e.g., communication protocol data of a smart television) and a second committer stores second data according to a second transactional domain (e.g., communication protocol data of a mobile device).
Netapp Inc.


05/12/16
20160132813 

Systems for managing quality assurance of work assignments


Systems, apparatus, and computer program products provide for a comprehensive quality assurance platform for automatically assessing the quality of work performance of associates. The described quality assurance system/module that can be implemented in conjunction with the work allocation system described herein or the system can operate as a standalone quality assurance system/module.
Bank Of America Corporation


05/12/16
20160132792 

Systems and methods for facilitating transportation transactions


Systems and methods for facilitating transportation transactions are described. The techniques describe herein may enable users to participate in ride-sharing.
Carzac, Inc.


05/12/16
20160132680 

Resource usage optimized auditing of database shared memory


A system, and computer program product for security auditing of database transactions are provided in the illustrative embodiments. For a specified period, an available capacity of a computing resource in a data processing system usable to analyze a database protocol packet.
International Business Machines Corporation


05/12/16
20160132651 

Systems and methods for facilitating transactions between healthcare consumers and healthcare providers


Systems and methods for facilitating healthcare transactions are described. The techniques describe herein may enable a user to select a rendering provider for a procedure..
Eluminate Health, Llc


05/12/16
20160132608 

Enable user to establish request data specific connections with other users of network(s) for communication, participation & collaboration


A methods, systems, device, network, platform and apparatus for enabling user(s) to connect contextually with any other users of network(s) based on matching user created and/or dynamic & automatic generated request data and/or user data with user request(s) and/or user data of other users of network and enabling connected users to conduct plurality types of activities, actions, transactions, events, interactions, registering, accessing, messaging, communication, sharing, searching, collaboration and participating activities of each others.. .

05/12/16
20160132581 

Pipelining paxos state machines


Paxos transactions are pipelined in a distributed database formed by a plurality of replica servers. A leader server is selected by consensus of the replicas, and receives a lock on leadership for an epoch.
Google Inc.


05/12/16
20160132548 

Resource usage optimized auditing of database shared memory


A method for security auditing of database transactions is provided in the illustrative embodiments. For a specified period, an available capacity of a computing resource in a data processing system usable to analyze a database protocol packet.
International Business Machines Corporation


05/12/16
20160132442 

Data writing dma


A data writing system is provided. A processing unit includes at least one core processor.
Mediatek Inc.


05/05/16
20160127904 

Systems and methods for remote authorization of financial transactions using public key infrastructure (pki)


The invention relates to systems and methods for secure, remote, wireless submission of financial transactions. Authentication and authorization functionality are provided through use of proof of possession tests, a token service that provides a user device with a token that includes user entitlement data, and high assurance digital certificates..
Citigroup Global Markets, Inc.


05/05/16
20160127900 

Distributing biometric authentication between devices in an ad hoc network


One feature pertains to biometric authentication of a user between devices. In one aspect, an ad hoc personal wireless network may include a primary device and one or more secondary devices using grouping policies such proximity policies and other permissions.
Qualcomm Incorporated


05/05/16
20160127599 

Computer implemented managing a stack containing a plurality of documents


A computer implemented system and method for managing a stack containing a plurality of documents. The system scans and manages documents provided by the users in form of batches.
Tata Consultancy Services Ltd.


05/05/16
20160127359 

Compliant authentication based on dynamically-updated crtedentials


A system, method and a computer-readable medium for authenticating a user in a live manner in non-face-to-face transactions, including a user downloading an authentication application from a server to a pervasive computing device, and after downloading the application, having an icon residing on the display of the device. When the authentication application is activated by the user, biographical and multi-biometric information of the user is requested by the application, and subsequently submitted to an authentication engine residing in a secure network cloud.

05/05/16
20160127319 

Method and system for autonomous rule generation for screening internet transactions


A computer system for evaluating transactions in a network includes a storage medium, one or more processors coupled to said storage medium, and computer code stored in said storage medium. Computer code, when retrieved from said storage medium and executed by said one or more processor, causes the system to receive a plurality of transactions over the network, and automatically generating rules for evaluating the transactions, using the computer system.
Threatmetrix, Inc.


05/05/16
20160127217 

Business transaction context for call graph


An application which utilizes a single thread is monitored and context for the individual requests and business transactions operating on that platform are provided. A wrapper is placed is around an object that calls a request.
Appdynamics, Inc.


05/05/16
20160125691 

Computer system for multiple user, multiple event real-time online wagering


A computer system includes a server computer that handles transactions with user devices to create and manage events, create and manage user accounts and process wagers. Transactions regarding wagers in connection with events can be processed in real-time.
Microsoft Corporation


05/05/16
20160125540 

System and analysing financial records


A method of analyzing financial records including receiving, at a server, one or more financial records for a time period, the one or more financial records including one or more transactions, and each transaction including a narrative. The method further includes determining, at the serve, one or more known components within the narrative, generating, at the server, a condensed narrative by removing each known component from the narrative, a remainder being the condensed narrative, generating, at the server, a report including the condensed narrative, and providing the report to a user on a data interface..
Data Trends Australia Pty Ltd


05/05/16
20160125526 

Mixed banking transactions


A method of fulfilling a transaction between a bank and a customer of the bank makes available a form used in a banking transaction to a customer digital device. The form has a plurality of fields.
Igate Global Solutions Ltd.


05/05/16
20160125491 

Method and facilitating purchase transactions associated with a showroom


Aspects of the subject disclosure may include, for example, monitoring a user in a showroom to generate shopping parameters of the user, determining that the user is seeking to purchase a product in the showroom according to the shopping parameters, obtaining user data of the user in response to the determining that the user is seeking to purchase the product, analyzing the user data, selecting interaction data from among a group of interaction data according to the analyzing of the user data, and providing the interaction data to a computing device of a sales agent to enable the sales agent to transact with the user for the purchase of the product. Other embodiments are disclosed..
At&t Mobility Ii Llc


05/05/16
20160125486 

Settlement operations support system and settlement operations support method


To enable improvement of efficiency in various settlement operations and cost reduction by linking business-to-business transactions with bank transactions. A computer 100 configured to mediate e-commerce transactions between companies executes processing of receiving invoice data addressed to a buyer from a supplier terminal 200, storing the received invoice data in a storage device 101, and transmitting the invoice data to a buyer terminal 300 in response to an acquisition request from the buyer terminal 300.
Hitachi, Ltd.


05/05/16
20160125482 

System and making and tracking charitable contributions


A system and method for managing composite transactions comprising a main transaction and at least one annex operation in a set comprising a device for initiating a transaction, a device for proposing at least one annex operation according to characteristics of a main transaction and an annex operations management device, said device for proposing at least one annex operation being accessible by a plurality of separate devices for initiating a transaction and by a plurality of separate annex operations management devices.. .
Heoh


05/05/16
20160125460 

Method and managing purchase transactions


Aspects of the subject disclosure may include, for example, obtaining user data of a user, receiving a group of offers for products, analyzing the user data to generate purchase criteria, selecting an offer for a product from among the group of offers for the products according to the purchase criteria, negotiating a purchase of the product according to the purchase criteria, determining a recommendation associated with the purchase of the product based on the negotiating, presenting the recommendation, obtaining an authorization for the purchase of the product in response to the recommendation, and communicating with a server to complete a purchase transaction for the product in response to the authorization. Other embodiments are disclosed..
At&t Mobility Ii Llc


05/05/16
20160125458 

Value-added services data and protocol and transactions involving vehicle specific data


A method for enabling a value-added transaction involving a vehicle and a merchant via a mobile device is disclosed. Merchant information may be broadcasted from a merchant terminal.
Visa International Service Association


05/05/16
20160125441 

Method and system for tracking consumer confidence based on transaction data


A method of generating a more objective consumer confidence and more particularly to tracking consumer confidence objectively based on data regarding past transactions.. .
Mastercard International Incorporated


05/05/16
20160125427 

Method and system for linking personal needs and spend behavior


A method for identifying relationships between consumer and merchant service characteristics includes: storing consumer profiles that include consumer characteristics associated with a consumer and transaction data for transactions involving the associated consumer and a specified merchant; storing merchant profiles that include service characteristics associated with a merchant; identifying a group for each consumer characteristic that includes consumer profiles having that consumer characteristic; identifying a group for each service characteristic that includes merchant profiles having that service characteristic; and identifying characteristic relationships that include a consumer characteristic and service characteristic based on transaction data included in consumer profiles in the consumer group of the consumer characteristic that involve merchants associated with merchant profiles in the merchant group of the service characteristic.. .
Mastercard International Incorporated


05/05/16
20160125415 

Biometric authentication of mobile financial transactions by trusted service managers


In one embodiment, a method comprises storing a biometric trait of a user in a data communication device of the user, comparing a biometric trait input into the device with the biometric trait stored in the device, generating a certificate authenticating the user within the device if the biometric trait input into the device matches the biometric trait stored in the device, and facilitating a financial transaction of the user using the certificate.. .
Ebay Inc.


05/05/16
20160125414 

Mobile wallet as a consumer of services from a service provider


A system for supporting transactions by mobile devices includes a mobile transaction platform server hosting and managing a plurality of wallet services and at least one interface for deployment of the mobile transaction server within a network ecosystem used by a service provider. The service provider uses a resource of the mobile transaction platform to publish software that provides incremental functionality to a wallet application that operates on the mobile transaction platform.
Mastercard Mobile Transactions Solutions, Inc.


05/05/16
20160125409 

System and authorizing direct debit transactions


A system and method for authorizing a direct debit transaction is provided. A remotely accessible server receives a request from a clearing entity to conduct a direct debit transaction against a financial account of a consumer on behalf of a merchant, and checks whether the consumer has previously approved a debit against the account on behalf of the merchant.
Visa Cape Town Pty Ltd


05/05/16
20160125405 

System and updating account information


Embodiments transmit user account updates to a transacting party within an authorization response message without receiving or requesting an inquiry from the transacting party. Both the old account information and the new account information may be included in the authorization response message sent to the transacting party.

05/05/16
20160125400 

Systems and methods for geo component fraud detection for card-present transactions


A method and system for evaluating a card-present payment card transaction for fraud using a computer device coupled to a database are provided. The method includes determining a home activity region for a cardholder using payment card transaction data for the cardholder, receiving a payment card transaction authorization request, and determining a payment card activity location of the received payment card transaction authorization request.
Mastercard International Incorporated


05/05/16
20160125397 

Systems for storing cardholder data and processing transactions


Systems and methods for storing cardholder data and processing transactions are provided. Cardholder data is received at a server computer, the cardholder data including consumer credentials to be stored and at least one data item not to be stored.
Payu Payment Solutions (proprietary) Limited


05/05/16
20160125395 

System and facilitating transactions


A system or method for facilitating transaction comprising a host network comprising at least one subscriber account, the at least one subscriber account having: a first electronic wallet for performing specific transactions with a selected institution; a second electronic wallet for performing other types of transactions; and a settlement facility coupled to the host network for performing the transactions, the settlement facility operable to settle and reconcile the transactions, the settlement facility further comprises at least one processor which, on receipt of a request for transaction, determine the type of transaction and debit from the first or second electronic wallet.. .
Einnovations Holdings Pte. Ltd.


05/05/16
20160125394 

Mobile wallet as provider of services consumed by service provider applications


A system for supporting transactions by mobile devices includes a mobile transaction platform server hosting and managing a plurality of wallet services and at least one interface by which a service provider may discover and access the wallet services to build and distribute at least one wallet service to a services ecosystem, wherein the at least one wallet service enables implementation of a mobile transaction according to a template.. .
Mastercard Mobile Transactions Solutions, Inc.


05/05/16
20160125386 

Multi-tiered secure mobile transactions enabling platform


A system for enabling mobile transactions by service provider applications consuming wallet functions and wallet functions using services of service provider applications includes a multi-tiered electronic mobile transaction platform having a plurality of wallet functions, a plurality of service provider applications, and a plurality of interfaces through which wallet functions and service provider applications interact to enable mobile transactions. The platform also includes a personalization interface of the platform through which a service provider can configure service provider applications that consume a portion of the wallet functions and an enabling interface of the platform through which the wallet functions access the services of the service provider applications.
Mastercard Mobile Transactions Solutions, Inc.


05/05/16
20160125379 

System and point of sale transactions


Disclosed herein are methods and systems for executing a first transaction at a checkout system at substantially the same time that a second transaction is started at the checkout system. For example, a cashier can scan one or more items, adding the items to a first transaction.
Target Brands, Inc.


05/05/16
20160125371 

Money transfer using canonical url


Described is a technology for executing financial transactions, e.g., payment transfers, by enabling a sender to trigger a money transfer by specifying a payment proxy having a particular syntax, the syntax including a monetary indicator preceding one or more alphanumeric characters. The payment proxy having the syntax indicates an intent of the sender to transfer money to a recipient associated with that payment proxy.
Square, Inc.


05/05/16
20160125370 

Money transfer by use of a syntax


Described is a technology for executing financial transactions, e.g., payment transfers, by enabling a sender to trigger a money transfer by specifying, in any communication message, an input having a particular syntax, the syntax including a monetary indicator preceding one or more numeric characters. The input having the syntax indicates an intent of the sender to transfer money to a recipient.
Square, Inc.


05/05/16
20160125368 

Money transfer in a forum using a payment proxy


Described is a technology for executing financial transactions, e.g., payment transfers, by enabling a sender to trigger a money transfer by specifying, in any communication message, a payment proxy having a particular syntax, the syntax including a currency indicator preceding one or more alphanumeric characters. The payment proxy having the syntax indicates an intent of the sender to transfer money to a recipient associated with that payment proxy.
Square, Inc.


05/05/16
20160125317 

System and transaction learning


A system and method a method for providing for providing personalized transaction learning and tagging. The method may include tagging transactions associated with one or more financial accounts belonging to an account holder, whether the account holder be the primary, secondary, or a related account holder, such as a spouse, parent, guardian, and the like.
Capital One Financial Corporation


05/05/16
20160125018 

Database management system and method


A database management system generates a log each transaction during execution of a plurality of transactions and stores the generated logs in log storage areas. The database management system records sequence numbers of logs at least in the generated logs of transactions belonging to a set of transactions of which results are different depending on a transaction execution order..
Hitachi, Ltd.






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