|| List of recent Transaction-related patents
|Naming of distributed business transactions|
The present technology monitors a web application provided by one or more services. A service may be provided by applications.
|Operating system monitoring and protection method utilizing a variable request string generator and receiver algorithm|
A novel method of monitoring and protecting on-line computer access from intrusions (hackers, viruses, worms, etc.) through the through the implementation of a specific algorithm that permits continuous and direct communication with both the user computer's operating system and the accessed server (at multiple contact points) for verification purposes during any on-line access event. The overall system depends on a string variable algorithm method that accords a contact point identifications to and for all operating systems and servers monitored thereby in order to provide a four-level protection system to allow for instantaneous and reliable recognition and identification of all components within such transactions by initiating electronic communication between the server and the algorithm system, the algorithm system and the operating system, and, ultimately, the operating system and the server..
|System and secure transactions|
The present disclosure describes systems and methods directed towards a highly secure and intelligent, end to end provisioning, authentication, and transaction system which creates and/or consolidates user data for a unified profile for the user (e.g., a person, place, organization, object, etc.) to allow for the safe, secure, and verifiable exchange of information.. .
Tango Mobile, Llc
|System and efficient transport of large data files|
Telecommunication networks are under stress due to rapid traffic increase cause mostly by large file transfers. Disclosed herein is a cross-layer transport protocol specifically designed to efficiently handle large transactions.
Uvic Industry Partnerships Inc.
|Transaction processing system and transaction processing method|
A transaction processing system 100 includes a checkout 210 in a retail store 200. The checkout 210 is configured to obtain product data from a product database 240, e.g.
Asda Stores Limited
|Automatic wireless transportation monitoring and transactions for mobile devices|
A method for automated fare processes includes a mobile device detecting transmissions from a beacon located on a vehicle. Based on the detected transmissions, the mobile device determines that it has entered the vehicle.
Swyft Technologies Inc.
|Detecting suspicious activity related to balancing transactions at a cash drawer|
Systems, apparatus, methods, and computer program products are provided for automatically monitoring cash balancing transactions conducted by individuals responsible for a cash drawer to determine unique behaviors/patterns of such individuals that are abnormal to the overall population of cash drawer users. Such proactive monitoring of cash balancing transactions provides for suspicious activity to be identified at the onset of such activity.
Bank Of America Corporation
|Method and detecting rogue trading activity|
A system (10) and method for detecting fraudulent activity in the execution of transactions is disclosed. The system (10) comprises a monitoring device (60) for reviewing data relating to execution of transactions, a transaction profile (62) and an alert module (67).
|Method, system and computer program product for enhancing business growth, marketing and analysis|
This invention relates to methods, systems and computer program products to improve communication and business transactions between healthcare professionals and consumers, for the purchase of product and services and in particular for marketing products and services, and providing analytical services to the pharmaceutical and consumer health care and medical industry. The invention also relates to mining computer data for segmentation and profiling information to assist in future growth..
Pharmacommunications Holdings Inc.
|System and frequency based rewards|
In various embodiments, a frequency based reward system, method, and computer readable medium (collectively, the “system”) is provided. The system may comprise a reward program having a first portion and a second portion.
American Express Travel Related Services Company, Inc.
Systems and methods for electronic vehicle licensing
A mobile vehicle electronic licensing terminal and an operating method thereof for supporting vehicle related transactions between a motorist and a motor vehicle administration authority.. .
Proof-of-verification network for third party issuers
Apparatus and methods for allocating transaction liability are provided. A first transaction participant may be immunized from undesirable effects of fraud/chargebacks associated with a transaction if information responsive to a level of verification is submitted directly to a second transaction participant.
Bank Of America Corporation
Electronic retail financial transaction manager
An internet based system for executing transactions is described. The system may include transaction data, a database, a business logic manager and user profiles.
Virtualization and secure processing of data
Systems, methods, and non-transient machine-interpretable data representing executable instruction sets and/or other products for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of payment transactions and other secure data processes. In various aspects and embodiments the disclosure provides secure means for the authorization of sensitive and other data processes subject to controlled access.
Royal Bank Of Canada
Apparatus and methods for allocating transaction liability are provided. A first transaction participant may be may be immunized from undesirable effects of fraud/chargebacks associated with a transaction if information responsive to a level of verification is submitted directly to a second transaction participant.
Bank Of America Corporation
Method and system for cashless transactions at vending machines
Disclosed is a system and method for enabling cashless purchases at a vending machine. A conventional vending machine may be modified by attaching to it a bluetooth transceiver that can communicate with a mobile telephone's bluetooth interface.
Eazy Coin Corp.
Systems and methods for facilitating frictionless transactions in a client/server environment
The field of the invention relates to systems and methods for network-based commerce, and more particularly to systems and methods for facilitating frictionless transactions between a user device and server system. In one embodiment, a server system is configured to execute a process including the steps of: receiving a text-based communication sent from the client device using a first native communication medium, the text-based communication having a source address, a recipient address, and one or more short-codes; parsing the text-based communication for said one or more short-codes; and replying to the source address using a second native communication medium with a purchase order for one or more products available from said recipient address defined in the server system, wherein said short-codes uniquely identify said one or more products; and confirming the order through the second native communication medium..
Buyreply Holdings Pty Ltd.
Method for configuring a mobile communication device, device thus configured, method, system for authorizing transactions on an online account, and obtaining, by an initiating party, a permission from an authorizing party to a service provider for performing a transaction on an account of the user
The present invention relates to a method for configuring a mobile communication device, comprising the steps of installing an application from an app store on the mobile communication device; activating or personalising the application on the mobile communication device; providing a list of possible service providers by the application; selecting a service provider from a list of possible service providers in the application; generating a unique code for a selected service provider by a platform server, and communicating said unique code to the mobile communication device; entering the unique code on a website of said service provider; sending the entered unique code by the service provider to the platform server for verification; upon verification of the unique code, generating a unique identification code and sending it to the service provider, and to the application.. .
Techniques for assisted self checkout
Techniques for assisted self checkout are provided. Customers or store personnel use scan devices that are independent of a self-checkout kiosk as they shop in a store to scan goods that are to be purchased.
Card reader emulation for cardless transactions
Disclosed are method and apparatus that enable a cardless payment transaction to be executed from a merchant point-of-sale (pos) system. A user is enabled to check in at a merchant by using a mobile device of the user and then to pay by simply appearing at the merchant and mentioning his name.
Techniques for automating self-service transactions
Techniques for automated transactions are provided. A customer uses a mobile device to interact with a self-service checkout device (ssco) to perform a transaction.
Real-time data capture and distribution system for e-commerce payment transactions
Real-time data capture and distribution for e-commerce payment transactions which includes receiving, at a secure gateway, a payment transaction request sent from a virtual terminal of a customer website via a network. The payment transaction request includes a merchant identifier associated with the virtual terminal.
Newtek Business Services, Inc.
Methods and managing information in connection with an account-based recycling program
Methods and apparatus for managing information relating to recycling activities are described. One embodiment described herein is directed to a method for accessing aggregated recycling information for use and/or display in connection with an account-based recycling program.
Count & Crush Systems, Llc
Arbitrating bus transactions on a communications bus based on bus device health information and related power management
Devices, systems, methods, and computer-readable mediums for arbitrating bus transactions on a communications bus based on health information are disclosed. Health information of master devices can be used to adjust priorities of bus transactions from master devices to meet quality of service requirements of the master devices.
Memory systems with multiple modules supporting simultaneous access responsive to common memory commands
Described are memory systems in which a memory controller issues commands and addresses to multiple memory modules that collectively support each read and write transactions. A common set of control signal lines from the controller communicates the same command and address signals to the modules.
Hardware assisted asset tracking for information leak prevention
Mobile computing devices may be equipped with hardware components configured to monitor key assets of the mobile device at a low level (e.g., firmware level, hardware level, etc.). The hardware component may also be configured to dynamically determine the key assets that are to be monitored in the mobile device, monitor the access or use of these key assets by monitoring data flows, transactions, or operations in a system data bus of the mobile device, and report suspicious activities to a comprehensive behavioral monitoring and analysis system of the mobile device.
Voice recognition for performing authentication and completing transactions in a systems interface to legacy systems
A user is provided with access to a systems interface to back-end legacy systems using voice inputs. The user dials-in to the voice server using an access device.
At&t Intellectual Property I, L.p.
Secured transactions in internet of things embedded systems networks
A secure network enabled device has a distinct security module and lacks a human user input interface. The security module is formed in an integrated circuit.
Stmicroelectronics International N.v.
User authentication based on historical transaction data
Embodiments are directed to systems, methods and computer program products for providing user authentication based on transaction data. Embodiments receive from a user, a request to execute a user action associated with an application, wherein execution of the user action requires validation of authentication credentials; collect a transaction set of data comprising information related to transactions conducted by the user; collect a location set of data comprising information related to a physical location of the user; determine a transaction proximity score associated with the user and the transactions; determine a level of authentication associated with the determined transaction proximity score; determine which authentication types are associated with the level of authentication; request authentication credentials; receive authentication credentials from the user; validate the authentication credentials, thereby resulting in a successful validation of the authentication credentials; and, in response to the successful validation of the authentication credentials, execute the user action..
Bank Of America Corporation
Calculating adjusted transaction matching parameter of a data item based on a determined variability of a transaction matching parameter for the data item
A computer-implemented method and apparatus for releasing a data item having an identifier for transaction processing in a data transaction processing system in which data items are transacted by a hardware matching processor that matches electronic data transaction request messages for the same one of the data items based on multiple transaction matching parameters from client computers over a data communication bus. A restriction on the hardware matching processor from processing electronic data transaction request messages for the data item is detected.
The Nasdaq Omx Group, Inc.
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.
Smart device apps and incentives for encouraging the creation and sharing electronic lists to imrpove targeted marketing while preserving user anonymity
Systems, methods and applications for using electronic lists to facilitate commerce, excursion organization and political discourse are described. The cloud based infrastructure described supports smart device apps that encourage users to create electronic lists that include information that can be searched and used for targeted marketing without compromising the anonymity of the users.
Maximizing credit card rewards
Embodiments of the present invention disclose a method, computer program product, and system for splitting credit card transactions. A computer receives a request to complete a credit card transaction from a point of sale device.
International Business Machines Corporation
Method and system for providing risk information in connection with transaction processing
A system for providing real-time risk mitigation for an authorization system. The system receives authorization requests from multiple merchants (or their respective acquirers) and processes such requests.
Method and system for determining and assessing geolocation proximity
A method and a system directed to location-based services within a wireless telecommunications or data communications network, and more particularly to other technical fields such as technologies used to authenticate secure payment card transactions, technologies to verify and validate payment card user identities, and for use with any application where the results of comparing two or more geographic locations has some utility or value. The method includes receiving information from a transaction device involving a payment card holder initiating a payment card transaction; identifying a location of the transaction device; identifying a location of a mobile device associated with the payment card holder; comparing the location of the transaction device with the location of the mobile device to determine a relative degree of proximity of the transaction device with the mobile device; and assessing the determined relative degree of proximity to determine whether the payment card transaction is valid or invalid..
Mastercard International Incorporated
Issuing and storing of payment credentials
A system and method of issuing payment credentials to a consumer is disclosed. A payment processing network sends payment credentials and an identifier of a consumer to whom the payment credentials belong to a secure gateway.
Visa International Service Association
Fraud prevention for transactions
Methods, systems, and apparatus include computer programs encoded on a computer-readable storage medium, and include a method for fraud prevention. A method includes receiving registration information for a user, including identities of the user and an authenticating device and a payment source identifier, and storing the registration information.
Revocation of application access based on non-co-located
Embodiments of the invention relate to an invention for accessing a remotely located mobile device of a user based on certain events is provided. The system, method, and computer program product are configured to: (a) monitor one or more transaction involving a transaction vehicle of a user; (b) determine a physical location of a transaction vehicle based at least partially on the one or more transactions; (c) determine a geographic location of a mobile device of the user, wherein the mobile device is associated with the transaction vehicle; (d) determine whether or not the transaction vehicle of the user and the mobile device of the user are co-located; and (e) reconfigure one or more applications accessible to the mobile device or one or more functional features of the mobile device based at least partially on determining that the mobile device and the transaction vehicle of the user are not co-located..
Bank Of America Corporation
Methods and arrangements for smartphone payments and transactions
The disclosure relates to digital signal processing such as digital watermarking, and the utilization of portable devices for such signal processing. One claim recites a portable device comprising a touch screen display; memory for storing a payload, and for storing portions of imagery; means for processing the payload with an erasure code generator, in which the erasure code generator produces a plurality of outputs corresponding to the payload; means for embedding a first of the plurality of outputs in a first portion of the imagery and proceeding with embedding until each of the plurality of outputs is embedded in portions of the imagery; and means for causing the touch screen display to display embedded portions of imagery so that a digital watermark reader analyzing captured image data representing the touch screen display can recover the payload.
Methods and arrangements for smartphone payments and transactions
The disclosure relates to a smartphone-based virtual wallet, that manages payment options available to a user. One claim recites a portable device comprising: a touch screen display; a microphone for capturing ambient audio; memory for storing an image; and one or more processors.
Management of identities in a transaction infrastructure
A method of managing one or more identities in a transaction infrastructure uses a token identity. The user receives a physical token with a token identity known to a transaction authoriser.
Mastercard International Incorporated
Application system for mobile payment and providing and using mobile means for payment
Application system for mobile means of payment comprising mobile devices. A service provider, an account manager, a balance manager and a mobile pos terminal for executing a payment transaction initiated by a merchant and receiving the result of it.
Cellum Global InnovÁciÓs És SzolgÁltatÓ Zrt.
Kit, system and associated method and service for providing a platform to prevent fraudulent financial transactions
A system and associated method and service for providing a platform that prevents fraudulent transactions by allowing for the deposit, withdrawal, transfer, and exchange of denomination, including cash, international currencies, digital currency, hard and soft commodities, and coupons to and from members and non-members, in a mobile telecommunications environment, without tendering a financial instrument, such as a credit card or a check.. .
Method and system for facilitating micro-transactions
The present invention relates to method of facilitating micro-transaction payments. The method includes the steps of receiving a payee identifier at a device; and actuating payment of a payment amount to the payee using the payee identifier in response to a first action by a user at the device.
Business to business invoice generation and payment system and method using mobile phones
A method and system for processing invoice transactions between vendors (distributors) and retailers (merchants) via mobile phone is disclosed. Each distributor has a unique vendor identifier.
Gcs International, Ltd.
Method and distribution of money transfers
A method for performing transactions comprises receiving registration information and money transfer transaction specifications, generating a distribution profile based on the registration information, and storing the money transfer transaction specifications in the distribution profile. The distribution profile is identified based on an initiation instruction and associated user authentication data, and one of the money transfer transaction specifications in the distribution profile is identified based on the initiation instruction.
Moneygram International, Inc.
Platform, system, and associated the exchange of digital currencies between members in a mobile environment
A system and associated method and service for providing a platform that enables members to transfer, receive, or otherwise exchange cash in various international denominations and commodities, such as precious metals (e.g., gold, silver, etc.), in a mobile highly secured telecommunications environment. The system is capable of delivering cash instantly between two or more users by allowing the exchange of secure transactions between system and cash dispensing machines (atms).
Gateway facilitating document transactions and related methods
Embodiments of the present disclosure disclose gateway facilitating document transactions and related methods. Specifically, the disclosure discloses a gateway facilitating document transactions within a third party workflow.
System for handling network transactions
A method of securing a transaction that comprises a trust entity computer in communication with data storage, a first party and a second party over a network, and receiving a request from the first party to undertake a transaction with the second party. In addition, receives a first token, storing the first token in the data storage, receiving a second token from the second party, comparing the stored first token and the received second token, if the stored first token and the received second token are a match, enabling the transaction..
Safepay Australia Pty Limited
Contract management using in-memory database systems
One example of contract management using in-memory database systems includes an in-memory database computer system which receives an input including pricing parameters associated with a future contract for future purchases of an item. The system accesses an in-memory database storing a history of transactions associated with past purchases of the item under an existing contract.
Contactless payment integrated in cosmetic packaging
A contactless payment chip is integrated in cosmetic packaging for a cosmetic product. The chip integrated in the cosmetic packaging allows for various transactions as capable by any contactless chip and associated system.
Hct Group Holdings Limited
Commit-one-phase distributed transactions with multiple starting participants
A request from previous coordinator node to assume control of a two-phase commit distributed transaction is received. The previous coordinator node has sent a commit query to multiple participants of the two-phase commit distributed transaction.
Red Hat, Inc.
Distributed, transactional key-value store
In one embodiment, a system for implementing a distributed, transactional key-value store is provided. The system includes a set of nodes, where each node is communicatively coupled with one or more storage devices storing a set of data log files, and where each data log file including key-value pairs for a key namespace.
Systems and methods for high speed remote change data capture
A system and method are described for change data capture wherein a source database is replicated to a remote database. In one embodiment, a data storage device contains source log blocks containing information regarding database transactions processed for a source database, wherein the data storage device and source database are located in a first location, and at least some of the source log blocks include a plurality of database transactions in the same order as processed in the source database.
System and analysis and management of data distribution in a distributed database environment
A system and method for analysis and management of data distribution in a distributed database environment. A method may include analyzing information related to transactions between an application and a plurality of data storage systems to produce analysis results.
Arbitration circuit and processing arbitration circuit
In an arbitration circuit, transactions output from a plurality of master circuits are stored in a first-in-first-out type first buffer, and when a high-priority transaction higher in priority than one of the stored transactions is output from one of the plural master circuits, a cancel request of a low-priority transaction lower in priority than the high-priority transaction, out of the stored transactions, is output to a second buffer in a slave circuit, and when the cancel request is successful, the high-priority transaction is output to the slave circuit, and after the high-priority transaction is output to the slave circuit, the low-priority transaction whose cancel request is successful is output to the slave circuit.. .
Fujitsu Semiconductor Limited
Server performance correction using remote server actions
Business transactions and the nodes processing the transactions may be monitored. Actions may be applied to one or more nodes when a performance issue is detected.
Method and systems for marketing and selling fantasy sports and/or stock market teams
A method and systems are disclosed for marketing fantasy sports and/or stock market teams to potential investors, where an investor in a fantasy team shares in the winnings of that team. An owner of a fantasy sports team or a fantasy stock market portfolio offers his/her team up for sale or investment.
Fantasy Innovations, Llc
Hardware-based device authentication
An opportunity for a computing device to participate in a secure session with a particular domain is identified. A secured microcontroller of the computing device is used to identify a secured, persistent seed corresponding to the particular domain and stored in secured memory of the computing device.
Conducting a diagnostic session for monitored business transactions
The present technology may determine an anomaly in a portion of a distributed business application. Data can automatically be captured and analyzed for the portion of the application associated with the anomaly.
Network alert pattern mining
In one embodiment, a device receives a plurality of network alerts over a time frame. A sliding transaction window is used across the time frame to associate each network alert occurring within the transaction window with one or more transactions.
Cisco Technology, Inc