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Transaction patents



      
           
This page is updated frequently with new Transaction-related patent applications. Subscribe to the Transaction RSS feed to automatically get the update: related Transaction RSS feeds. RSS updates for this page: Transaction RSS RSS


Promoting transactions hitting critical beat of cache line load requests

Promoting transactions hitting critical beat of cache line load requests

Method and apparatus for arbitration with multiple source paths

Method and apparatus for arbitration with multiple source paths

Method and apparatus for arbitration with multiple source paths

Integrate application intelligence with a network device for application transaction visibility and control

Date/App# patent app List of recent Transaction-related patents
10/23/14
20140317378
 Scheduling in a multicore architecture patent thumbnailScheduling in a multicore architecture
This invention relates to scheduling threads in a multicore processor. Executable transactions may be scheduled using at least one distribution queue, which lists executable transactions in order of eligibility for execution, and multilevel scheduler which comprises a plurality of linked individual executable transaction schedulers.
10/23/14
20140317357
 Promoting transactions hitting critical beat of cache line load requests patent thumbnailPromoting transactions hitting critical beat of cache line load requests
A processor includes a cache memory, a first core including an instruction execution unit, and a memory bus coupling the cache memory to the first core. The memory bus is operable to receive a first portion of a cache line of data for the cache memory, the first core is operable to identify a plurality of data requests targeting the cache line and the first portion and select one of the identified plurality of data requests for execution, and the memory bus is operable to forward the first portion to the instruction execution unit and to the cache memory in parallel..
10/23/14
20140317323
 Method and apparatus for arbitration with multiple source paths patent thumbnailMethod and apparatus for arbitration with multiple source paths
A method and apparatus for arbitration. In one embodiment, a point in a network includes first and second arbiters.
10/23/14
20140317228
 Integrate application intelligence with a network device for application transaction visibility and control patent thumbnailIntegrate application intelligence with a network device for application transaction visibility and control
The proposed methodology provides an application state machine in a network device, such as a router which may be used to extract application transactions. The extracted transaction data may be provided to another entity for analysis and troubleshooting..
10/23/14
20140317196
 Method and arrangement for the supervision of transactions in a peer-to-peer overlay network patent thumbnailMethod and arrangement for the supervision of transactions in a peer-to-peer overlay network
The present invention relates to the supervision of transactions in peer-to-peer (p2p) overlay networks. A p2p overlay network often consists of peers interconnected via different access technologies having significant different round-trip time (rtt) delays.
10/23/14
20140317087
 Systems and methods for implementing and maintaining sampled tables in a database system patent thumbnailSystems and methods for implementing and maintaining sampled tables in a database system
In accordance with disclosed embodiments, there are provided systems and methods for implementing and maintaining sampled tables in a database system. According to a particular embodiment such a system includes a processor and a memory to execute instructions at the system; a database to store database records; a query interface to submit queries to the database and receive results from the database; triggers to initiate a hash function on database insert transactions, the hash function to hash a primary key of each database record to be inserted into the database to determine whether a first hash value of the primary key of the database record to be inserted satisfies a sampling condition; a sample table to store a sample record corresponding to any database record to be inserted into the database which satisfies the sampling condition based on the hash function; a primary key index providing a first index of the primary keys of the sample records stored in the sample table; and an ordered hash index providing a second index on a second hash value corresponding to a second hash of the primary key of the sample records stored in the sample table ordered numerically by the second hash value.
10/23/14
20140316989
 Authenticating online users with distorted challenges based on transaction histories patent thumbnailAuthenticating online users with distorted challenges based on transaction histories
In one embodiment, a system includes one or more processors having memory coupled thereto. The memory stores instructions executable to cause the system to perform a method that includes generating a request based on 1) transaction information that is available to a user and a service provider and relating to one or more transactions by a user, and 2) at least one user-specified preference as to a type of the transaction information upon which the request is based, communicating the request to a device of the user, receiving a response to the request from the user device, and determining the authenticity of the user based on the response.
10/23/14
20140316987
 Systems and methods for pre-authorized money transfer transactions patent thumbnailSystems and methods for pre-authorized money transfer transactions
Methods and systems which allow one or more money transfer transactions to be implemented in a manner which provides additional certainty to a receiving party are provided. In one embodiment, a money transfer service authorizes a sender to transfer up to a certain amount of money.
10/23/14
20140316983
 Selectively routing a transaction from an automated banking machine based on transaction processing fees patent thumbnailSelectively routing a transaction from an automated banking machine based on transaction processing fees
In an example embodiment, a routing computer is operable to communicate with an automated banking machine and with a plurality of remote financial transaction authorization systems. The routing computer is operable to receive data representative of a requested transaction associated with a financial account associated with a user operating the automated banking machine.
10/23/14
20140316981
 Recovery of declined transactions patent thumbnailRecovery of declined transactions
Systems and methods for facilitating a purchase are described. When a payment processor declines a transaction, an error code is sent to a merchant.
10/23/14
20140316975
Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments
A method and system for transferring value to a user of a transaction system including receiving from the user a request for value, evaluating the risk involved in providing the value by evaluating information accessible to the transaction system, selectively approving the request for value based on evaluating the risk involved, and distributing the value to the user. The information that is accessible to the transaction system may be stored at the transaction system or separated from the transaction system.
10/23/14
20140316969
System for resolving transactions
An apparatus for resolving a debt transaction is provided. The apparatus includes a server having means for contacting the debtor by transmitting a communication to the debtor using one of a number of available communication channels, a credit information seeking module configured to obtain debtor debt account information from a financial information source other than the server and the debtor, and a rules based decision module configured to analyze debtor debt account information in order to determine a potential resolution strategy for the debt transaction comprising at least one transaction settlement offer based on creditworthiness of the debtor based on rules established by the creditor.
10/23/14
20140316967
Method of buying or selling items and a user interface to facilitate the same
A method of buying or selling items having at least one market and its associated processes are disclosed. The method includes the steps of, under control of a client system, displaying information identifying at least one item and a bid and/or ask price for the item in the market; and specifying transaction conditions based on a user directed position of a moveable icon, where the transaction conditions are related to the buying or selling of the identified item in the active market.
10/23/14
20140316965
Method and system for managing sovereign/non-sovereign dual debit accounts
A sovereign/non-sovereign dual debit account (dda) management system includes a dda entity having a sovereign debit account containing sovereign currency and a non-sovereign debit account containing non-sovereign currency and a currency trading entity. The system further includes a real-time digital currency exchange (rtdce).
10/23/14
20140316955
Method for automatic testing of tax software
Configurations of client specific taxable transactions are validated by inputting client initial transaction data to a test deck generating program which is executed to generate a client tax configuration test deck comprising the initial transaction data, assumed transaction data, and expected taxability of the initial transaction data and assumed transaction data. A tax determination program is executed using data from the client tax configuration test deck to generate simulated tax calculations.
10/23/14
20140316940
Method, apparatus, and computer program product for determining participant ratings
Some examples provide systems, methods, apparatus, and computer program products for evaluating participants in a market platform based on the performance of the participants in transactions using the market platform. These evaluations may result in ratings being assigned to the participants, where the rating provides an assessment of the desirability of contracting with the particular party.
10/23/14
20140316854
Integrated pre-tail, e-tail and retail platform
An online pre-tail, e-tail and re-tailing platform that facilitates various commercial transactions between buyers and sellers is disclosed herein. The platform has ability to display products that are submitted by sellers, validate and generate demands for the products, arrange manufacturing and fulfill orders.
10/23/14
20140316844
Messaging engine
A supply chain management system comprising: a system server comprising a central processor and a database; a plurality of user computers communicating with the system server over a network; the system server running a software process defining: an interface layer configured to communicate messages and business transactions bi-directionally between the user computers and the system server; and a services layer configured to apply business logic to the messages and business transaction and process them according to a predefined workflow of the supply chain management system, the services layer comprising a messaging engine module configured to send and receive messages triggered by the business transactions, the messages composed according to predefined system rules.. .
10/23/14
20140316826
Wireless carrier platform for service applications
A method for providing customized service applications relating to specific transactions with merchants to users of mobile devices includes: receiving and storing a service application template corresponding to a merchant; receiving a manifest including information relating to a specific transaction between the merchant and a user of a mobile device; extracting the information relating to the specific transaction from the manifest; generating a customized service application for the user based on the service application template and the extracted information; and transmitting the customized service application to the mobile device corresponding to the user.. .
10/23/14
20140316798
Health care eligibility verification and settlement systems and methods
Devices, systems, and methods for processing healthcare and financial transactions are provided. A point-of-care terminal for processing a healthcare transaction by a healthcare provider includes a reader configured to read information from a healthcare eligibility and settlement presentation instrument associated with a patient, and a processor configured to process a healthcare transaction based on the information, wherein the healthcare transaction includes at least one of a healthcare eligibility verification transaction and a healthcare settlement transaction..
10/23/14
20140316563
Vending machine for change round-up
Vending machines for rounding-up donations for charities. The machines allow consumers to donate change from transactions, or other amounts, to a charity through a purchase of goods or services from the machines..
10/23/14
20140316546
Method and system for direct additive manufacturing from an advertisement
A method and system form physical objects from digital files generated from transactions carried out on internet enabled devices. The system comprises: (a) an internet enabled device capable of receiving an advertised offer and transmitting communications from a user regarding a purchase based upon the advertised offer; (b) a digital rendering device capable of forming a physical object from a digital file containing user specified instructions; (c) a vendor capable of receiving information regarding the purchase and providing the digital file in a downloadable format; (d) a payment processor capable of (i) receiving monetary funds transfer authorization from the user, (ii) effecting the monetary funds transfer, (iii) issuing a communication to the vendor when the monetary funds transfer is successfully effected, and (iv) transferring at least a portion of the monetary funds to the vendor.
10/23/14
20140315626
Real-time interactive wagering on event outcomes
Systems and methods for real-time interactive wagering on event outcomes are presented. Clients are first qualified and given wagering limits before being allowed to interactively wager on event outcomes.
10/23/14
20140315574
Method of determining location
A method of locating a mobile device (25) registered to a home telecommunications network (11), the method comprising: monitoring (40) network transactions; identifying (42) a first type of network transaction (30) indicating that the mobile device (25) is connected to a component of a foreign telecommunications network; identifying (44) a second type of network transaction (30) indicating that the mobile device (25) has cancelled a connection to the component of the foreign telecommunications network; locating (46) the mobile device (25) on the basis of the identified first and second types of network transaction (30); wherein locating (46) the mobile device (25) comprises setting the location status of the mobile device (25) as: within the foreign telecommunications network (29) if a network transaction of the first type has been identified, and; within the home telecommunications network (11) if a network transaction of the second type has been identified and no further network transactions of the first type have been identified.. .
10/23/14
20140312051
Dual elevator large bottle vending apparatus and method
A combination vending/return apparatus includes a series of stacked counter-sloped, gravity fed track assemblies with radiused transition segments to receive and store empty large-volume bottles and to deliver pre-filled large-volume fluid-containing bottles. The apparatus is configured to accommodate, among other sizes, at least one of three (3) gallon, (4) four gallon, or (5) five gallon size bottles.
10/23/14
20140311625
Nail polish color selection system
A user interactive custom nail polish color and effects dispensing system and method of doing business, including for both point of sale and remote (e.g., via internet) transactions.. .
10/16/14
20140310786
Integrated interactive messaging and biometric enrollment, verification, and identification system
The present invention provides an integrated interactive messaging system having a biometric engine in order to enhance security of interactive transactions or communications, while also expanding interactive capabilities. The biometric engine is operatively coupled to an interactive messaging system through a suitable network connection.
10/16/14
20140310483
Method and system for storage of data in non-volatile media
A system and method for managing the storage of data in non-volatile memory is described. In an aspect, the data may be described by metadata and a transaction log file that are checkpointed from a volatile memory into the non-volatile memory.
10/16/14
20140310469
Coherence processing with pre-kill mechanism to avoid duplicated transaction identifiers
An apparatus for processing coherency transactions in a computing system is disclosed. The apparatus may include a request queue circuit, a duplicate tag circuit, and a memory interface unit.
10/16/14
20140310437
Round robin arbiter handling slow transaction sources and preventing block
In an embodiment, an arbiter may implement a deficit-weighted round-robin scheme having a delayed weight-reload mechanism. The delay may be greater than or equal to a ratio of the fabric clock to a slower clock associated with one or more sources that have no transactions but that have unconsumed weights (or another measure of difference in transaction rate).
10/16/14
20140310406
Method for transferring state information pertaining to a plurality of sip conversations
A method for transferring state information pertaining to a plurality of sip conversations from a first sip server to a second sip server, said first sip server and said second sip server being operatively connected to one or more sip gateways, the method comprising at a controlling node: monitoring said first sip server until ongoing transactions are terminated; after termination of said ongoing transactions, obtaining dialog state information pertaining to conversations managed by said first sip server from said first sip server; and storing said obtained dialog state information at said second sip server.. .
10/16/14
20140310392
Method and apparatus for processing composite web transactions
Methods and algorithms, and one of their embodiments as an intelligent network proxy, capable of non-intrusively detecting, classifying, processing, analyzing, performing chronographic functions on, measuring responses and timing related data of, measuring behaviors and real-user quality-of-experience (qoe) and events of, and actively optimizing the performance and qoe of composite web transactions between a mobile device and a host at protocol-speed are described. With the algorithms and the proxy, a composite web transaction between a client device and a host (e.g., a datacenter) servicing the client device is detected and reconstructed inline and in real-time from the transaction's constituent primary sub-transaction and secondary sub-transactions, in which the primary sub-transaction is the initial, host-bound and workload-inducing web requests and responses, while the secondary sub-transactions are the client-side related processing of sub-resources accessible from additional web- and internet-addressable hosts, with the sub-resources and their processing determined by the primary sub-transaction response..
10/16/14
20140310253
Out-of-order execution of strictly-ordered transactional workloads
A method of transaction processing includes receiving a plurality of transactions from an execution queue, acquiring a plurality of locks corresponding to data items needed for execution of the plurality of transactions, executing each transaction of the plurality of transactions upon acquiring all locks needed for execution of each transaction, and releasing the locks needed for execution of each transaction of the plurality of transactions upon committing each transaction. The plurality of transactions have a specified order within the execution queue, the plurality of locks are sequentially acquired based on the specified order of the plurality of transactions within the execution queue, and an order of execution of the plurality of transactions is different from the specified order of the plurality of transactions within the execution queue..
10/16/14
20140310236
Out-of-order execution of strictly-ordered transactional workloads
A method of transaction processing includes receiving a plurality of transactions from an execution queue, acquiring a plurality of locks corresponding to data items needed for execution of the plurality of transactions, executing each transaction of the plurality of transactions upon acquiring all locks needed for execution of each transaction, and releasing the locks needed for execution of each transaction of the plurality of transactions upon committing each transaction. The plurality of transactions have a specified order within the execution queue, the plurality of locks are sequentially acquired based on the specified order of the plurality of transactions within the execution queue, and an order of execution of the plurality of transactions is different from the specified order of the plurality of transactions within the execution queue..
10/16/14
20140310232
Aggregate query-caching in databases architectures with a differential buffer and a main store
The invention relates to a computer system for both online transaction processing and online analytical processing, comprising: a processor coupled to a database, the database comprising the database comprising: a main store (116) for storing records, a differential buffer (114) for receiving and buffering added or deleted or modified records, the differential buffer being coupled to the main store, a schema comprising records stored in the main store and records stored in the differential buffer, and a cache store (112) for caching a result of a query against the schema; and a cache controller (106) executable by the processor and communicatively coupled to the database, the cache controller being configured for: storing the result of the query in the cache store; receiving an analytical request; and determining, in response to the received request, an up-to-date result of the query by (216): accessing the cache store to obtain the cached result; determining the records of the schema that have been added or deleted or modified since the step of storing the cached result in the cache store on the basis of the records stored in the differential buffer; and incrementally deriving the up-to-date result from the cached result and from the records determined in the previous step.. .
10/16/14
20140310187
Broker-generated prospective tenant database for real estate transactions
A web application to match prospective tenants and commercial real estate spaces by creating a broker-generated searchable prospective tenant database which affords users the ability to create a plurality of prospective tenant listings on a single account. Additionally, a web application to receive prospective tenant information to create useful prospective tenant listings that make up this searchable prospective tenant database.
10/16/14
20140310184
Smart card purchasing transactions using wireless telecommunications network
A smart card transaction allows a consumer to load value onto a smart card and to make purchases using a smart card with a mobile telephone handset over the telecommunications network. For loading, the system includes: a mobile telephone handset including a card reader; a gateway computer; a funds issuer computer; and an authentication computer.
10/16/14
20140310183
Embedded acceptance system
Methods and systems can provide for unified processing of merchant transactions over various payment channels over which the transactions originate, such as in-person retail transactions and e-commerce transactions. For example, transactions can be received from payment channels through different payment channel-specific interfaces.
10/16/14
20140310180
Mobile device credit account
Providing for a mobile communication device (mcd) credit account and credit transactions by way of such an mcd is described herein. As an example, a credit account sponsored by a financial or commercial entity can be associated with a unique id of an mcd.
10/16/14
20140310174
Methods for conducting electronic payment transactions with scannable codes
One embodiment of the invention provides for making electronic payments by scanning a merchant 2d code located near the point of sale with the customer's cell phone and transmitting the code or data embodied by the code to a payment center where the merchant's account can be credited and the customer's account debited without transmitting account information over the airwaves. In another embodiment of the invention, both parties transmit the same randomly generated 2d code or data embodied by the code to the payment center where they are matched to each other and to the buyer and seller to process the transaction.
10/16/14
20140310170
System and method for back office processing of banking transactions using electronic files
As banking transactions are processed by a bank teller, all of the relevant information with respect to the transaction (e.g., dollar amount) is captured in an electronic file. Each of the electronic files from the various branches of the bank are forwarded to a central back office processing center where the electronic files are combined into a single transaction repository.
10/16/14
20140310169
Secure electronic financial transaction method utilizing definite-use electronic bank accounts with random numbering system
The present invention describes techniques for facilitating secure electronic financial transactions between parties without sharing main bank account information or other sensitive financial data. The invention provides an innovative financial transaction method consisting of utilizing definite-use electronic bank accounts.
10/16/14
20140310161
Remote transaction processing of media
A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user.
10/16/14
20140310160
Alert system with multiple transaction indicators
A user may receive an alert notification message on a mobile device for any high risk transaction along with a set of recent transactions conducted on an account associated with the user. The user may be able to respond back by either accepting or rejecting the transaction using an application on the mobile device.
10/16/14
20140310153
Systems and methods for mobile device financing
A system or method is provided to allow a payment service provider to implement financing for a purchase of a mobile device by an end user or consumer. In particular, a payment service provider may leverage financial transactions processed through the payment service provider to make a more informed determination or decision related to providing financing to customers.
10/16/14
20140310150
Systems and methods for establishing or improving credit worthiness
Systems and methods for establishing or improving a consumer's credit worthiness are disclosed. A system for establishing or improving a consumer's credit worthiness may include three or more levels, in which a consumer is provided with increasing financial responsibilities.
10/16/14
20140310127
Configurable interactive assistant
The present invention employs branded virtual characters across multiple network platforms throughout various stages of complex transactions (eg, selling insurance). These characters initially engage prospective customers on a network platform, such as a social network, and persist over time across other network platforms (eg, university and company websites) to educate consumers until they are ready to purchase—e.g., from their “trusted advisor”—particular products and services offered by various providers.
10/16/14
20140310115
Products and processes for promoting multiple transactions at a retail establishment
According to an embodiment of the invention, products and processes are disclosed for receiving, via a point-of-sale terminal that is not a vending machine, an indication of a set of products which a customer desires to purchase. At least one product is offered to the customer via the point-of-sale terminal, and an acceptance of the offer is received.
10/16/14
20140310086
Systems and methods to provide loyalty programs
A computing apparatus includes: a transaction handler to process transactions; a portal to receive from users enrollment input identifying account identifiers of the users and respective loyalty programs; and a data warehouse to store data associating the account identifiers with the respective loyalty programs. In response to an authorization request received in the transaction handler for a payment transaction identifying a first account identifier, the computing apparatus is to use the data warehouse to determine whether the first account identifier is enrolled with a loyalty program; and if the first account identifier is enrolled with a first loyalty program, the computing apparatus is to use the transaction handler to request purchase details from the merchant via a response to the authorization request, and determine benefits to be awarded to the user of the first account identifier..
10/16/14
20140310076
Appending advertising to perishable validation tokens
Embodiments are directed to implementing targeted advertising in financial transactions. In one scenario, a computer system receives an indication that a mobile wallet user has initiated a financial transaction.
10/16/14
20140310060
Method and system for indicating customer information
The invention relates to a method and system for indicating customer information having a computer; software executing on the computer for assigning each customer of a plurality of customers a unique customer identifier; software executing on the computer for retrieving product identifiers; software executing on the computer for determining a recent product purchase score, a frequency score, a monetary score, for each customer and each product; software executing on the computer for calculating an overall score for each customer based on criteria selected from the group consisting of a recent product purchase score, a frequency score, a monetary score, and combinations thereof; and software executing on the computer for identifying preferred customers based on the overall score. The invention also includes software for recalculating the scores based on new user submitted products and new customer transactions, and software for automatically providing promotions to preferred customers based on the overall scores..
10/16/14
20140310046
System and method for on-line event promotion and group planning
Systems and methods are provided for enabling event planning and promotion using on-line collaboration tools among a group of people, wherein the group arrives at a decision, such as a decision as to the nature and/or logistics corresponding to an event in which the group wishes to participate, and wherein the collaboration tools include the ability to provide links to perform transactions related to the defined event.. .
10/16/14
20140307601
Power saving enhancements with low latency 802.11
An access terminal transmits at least one uplink transaction to an access point during a transaction slot of a frame including a plurality of slots, when a transaction criterion is satisfied. The transaction criterion may be receipt of a beacon signal from the access point indicating the access point has downlink data for the access terminal.
10/09/14
20140304831
Remote data access techniques for portable devices
A wide-area network (“wan”)-based service enables remote data access transactions between participating endpoints within a group of participating endpoints that includes at least one server and at least one portable electronic device. Each participating endpoint is configured for communication via one or more communication networks and stores the same or different data items on behalf of a user.
10/09/14
20140304828
System and method for securing information distribution via email
A method facilitating secure financial transactions using email is presented comprising the steps of receiving bill data at a server implementing the method, and generating an email message to a recipient with information including at least a portion of the received bill data. The amount of bill data included in the email message is based, at least in part, on the email address of the recipient..
10/09/14
20140304680
Systems and methods for handling database deadlocks induced by database-centric applications
Systems and methods are provided for handling database deadlocks induced by database-centric applications (dcas). Sql statements and transactions associated with the dcas are analyzed and parsed to generate petri net models.
10/09/14
20140304441
Protocol conversion involving multiple virtual channels
Embodiments of a bridge circuit and system are disclosed that may allow converting transactions from one communication protocol to another. The bridge circuit may be coupled to a first bus employing a first communication protocol, and a second bus employing a second communication protocol.
10/09/14
20140304245
Atomic transactions in a nosql database
Systems and methods are provided for atomic transactions in a nosql database. A system writes a pending transaction identifier to write claim data for a first data item in a nosql database in response to a determination that the write claim data for the first data item includes a first previous transaction identifier included in last commit data for the first data item.
10/09/14
20140304229
Continuous change data capture without disruption of ddl
A system, method and computer-readable medium for data capture for replication are provided. A data record from a transaction log of a source database indicative of a data element change is retrieved.
10/09/14
20140304194
Independent annuity placement system and method
A system and method for facilitating annuity transactions between annuity purchasers and providers via an annuities placement program accessible to the purchasers and providers. Purchasers enter quote solicitation information used by the annuity providers to establish a quote for an annuity.
10/09/14
20140304172
Electronic signature security algorithms
Technologies are generally described for security algorithm methods in authorizing and linking devices associated with a customer. A first device can be linked to a customer account.
10/09/14
20140304169
Techniques for mobile transaction processing
Techniques for automated mobile transaction processing are provided. A consumer traverses to a web portal or other type of enterprise terminal device of an enterprise and proceeds to shop.
10/09/14
20140304166
Alternative payment method for online transactions using interactive voice response
A method for performing payments in remote transactions between a buyer and a vendor is provided. The method includes receiving buyer information from a vendor's network outlet when the buyer indicates a desire to purchase a selection at a later time through an interactive voice response (ivr) center; providing a token to the buyer; receiving information about the token from the buyer through the ivr center; verifying the information about the token; transferring funds from a buyer account to a vendor account.
10/09/14
20140304164
Invoiceless trading and settlement method and system
Methods and systems consistent with the present invention overcome the shortcomings of existing trading systems by providing an invoiceless trading system that creates incentives for customers to pay suppliers within a predetermined period of time, such as a settlement period. Specifically, the invoiceless trading system enables a customer to obtain a discount on orders placed with suppliers in return for an immediate payment (e.g., within 24 hours) by the customer.
10/09/14
20140304163
Financial transaction system with integrated electronic messaging, control of marketing data, and user defined charges for receiving messages
A method of performing financial transactions between users of accounts comprising electronic messaging and crediting and debiting of at least one financial account. The invention also allows each user to define a schedule of receipt charges associated with the identities of other users to be charged as compensation for accepting delivery of their messages.
10/09/14
20140304157
Identity theft and fraud protection system and method
A system and method protects users against theft of personally identifiable information during both online and offline purchase transactions, registration transactions and identity authentication transactions. The system initially obtains a user's personally identifiable information as storable computer data, establishes an anonymous email address on behalf of the subscribing user, provides the anonymous email address to an email recipient when the subscribing user sends an email to the recipient, receives email communications from the recipient at the anonymous email address, stores the routing information from the email communications, scrubs the email communications for electronic viruses, forwards the email communications received from the recipient at the anonymous email address to the subscribing user, and forwards email communications to the recipient that are sent from the subscribing user to the anonymous email address by matching the stored routing information without ever revealing the subscribing user's real email address to the recipient..
10/09/14
20140304152
Money transfer system and messaging system
A system for transferring funds from a sender to a recipient with a recorded message is disclosed. In one step the method includes receiving a request for a fund transfer from the sender.
10/09/14
20140304130
Systems and methods to enhance search results using transaction data of merchants
A computing apparatus includes: a transaction handler configured to process transactions in a payment processing network; a data warehouse configured to store transaction data recording the transactions processed at the transaction handler; a profile generator configured to generate, based on the transaction data, a profile including business activity data configured to identify a time period of active business, and a portal configured to communicate with a search engine to enhance search results using the business activity data.. .
10/09/14
20140304103
Computer program, method, and system for managing shipment information
A computer program, method, and system for managing shipping transactions provide a graphical user interface that contemporaneously displays a list of shipment requests and one or more interface elements. The shipment requests each display information about a shipment request including a plurality of carriers and associated bid statuses.
10/09/14
20140304095
Personalized mobile banking transactions at a server without authentication
A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user.
10/09/14
20140304094
Methods for adjusting near field communications circuitry during mobile payment transactions
Methods for operating a portable electronic device to conduct mobile payment transactions are provided. The electronic device may include near field communications circuitry having a transmitter, a receiver, and a field detector for detecting a field from a merchant terminal.
10/09/14
20140304082
Personalized mobile banking transactions at a server without authentication and ads
A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user.
10/09/14
20140304055
Using mix-media for payment authorization
Techniques for identifying a user and authenticating payment transactions based on the identification include requesting the user to send his audio, video, and/or image from the point of sale location and comparing the received audio, video, and/or image to an audio/video/image on file to identify and authenticate the user as being the official holder of the payment device being used in the transaction. Once the user is authenticated, the payment processing can be performed using conventional techniques.
10/09/14
20140304051
Integration of wic items and transactions into personal shopping devices
A method, computer program product, and point of sale system provide access to discounts and other benefits during shopping. The method includes receiving an input of a user identifier (id) or a women, infants and children (wic) id and identifying that the associated user is a recipient of specific benefits.
10/09/14
20140304021
Method for brokering purchases of procedural services
A method for brokering purchases of procedural services between a buyer and at least one professional service provider is a software-based system that negotiates transactions between potential clients and professional service providers by receiving, verifying, and negotiating appointment availabilities and appointment offers while providing privacy to both parties until a transaction is conducted. The system comprises the steps of receiving and indexing appointment openings from providers, receiving and indexing appointment offers from buyers, matching appointment opening with appointment offers, anonymizing appointment offers, and negotiating the exchange of personal information between both parties when a transaction is conducted, as well as provide ancillary product suggestions.


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This listing is a sample listing of patent applications related to Transaction for is only meant as a recent sample of applications filed, not a comprehensive history. There may be associated servicemarks and trademarks related to these patents. Please check with patent attorney if you need further assistance or plan to use for business purposes. This patent data is also published to the public by the USPTO and available for free on their website. Note that there may be alternative spellings for Transaction with additional patents listed. Browse our RSS directory or Search for other possible listings.
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