FreshPatents.com Logo
Enter keywords:  

Track companies' patents here: Public Companies RSS Feeds | RSS Feed Home Page
Popular terms

[SEARCH]

Follow us on Twitter
twitter icon@FreshPatents

Web & Computing
Cloud Computing
Ecommerce
Search patents
Smartphone patents
Social Media patents
Video patents
Website patents
Web Server
Android patents
Copyright patents
Database patents
Programming patents
Wearable Computing
Webcam patents

Web Companies
Apple patents
Google patents
Adobe patents
Ebay patents
Oracle patents
Yahoo patents

[SEARCH]

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


User validation, amount-due validation, payment collection, and payment processing system and method thereof

Payit

User validation, amount-due validation, payment collection, and payment processing system and method thereof

Searching digital receipts at a mobile device

Wal-mart Stores

Searching digital receipts at a mobile device

Searching digital receipts at a mobile device

Transaction processing method and apparatus

Date/App# patent app List of recent Transaction-related patents
02/26/15
20150058970
 System and architecture for secure computer devices patent thumbnailnew patent System and architecture for secure computer devices
The present invention relates to a system and architecture for securing otherwise unsecured computer subsystems. According to one aspect, the invention provides an independent hardware platform for running software in a secure manner.
Janus Technologies, Inc.
02/26/15
20150058884
 Targeting ads to subscribers based on privacy protected subscriber profiles patent thumbnailnew patent Targeting ads to subscribers based on privacy protected subscriber profiles
Monitoring subscriber viewing interactions, such as television viewing interactions, and generating viewing characteristics therefrom. Generating at least one type of subscriber profile from at least some subset of subscriber characteristics including viewing, purchasing, transactions, statistical, deterministic, and demographic.
Prime Research Alliance E., Inc.
02/26/15
20150058706
 Timing optimization for memory devices employing error detection coded transactions patent thumbnailnew patent Timing optimization for memory devices employing error detection coded transactions
Systems, methods, and apparatuses are directed to optimizing turnaround timing of successive transactions between a host and a memory device. The host includes framing logic that generates a write frame that includes a plurality of data bits and an error bit checksum that is appended at the end of the data bits.
Intel Corporation
02/26/15
20150058392
 Provisioning chain queuing and processing patent thumbnailnew patent Provisioning chain queuing and processing
A system for and method of provisioning chain queuing and processing. Chain queuing and processing defines and supports ordered provisioning of requests to be sent to network elements that either contain information on behalf of one another or are for a network activity that requires the presence of a properly provisioned record to perform an action.
Cellco Partnership D/b/a Verizon Wireless
02/26/15
20150058306
 Distributed transaction log patent thumbnailnew patent Distributed transaction log
Embodiments of the disclosure provide techniques for updating a distributed transaction log on a previously offline resource object component using distributed transaction logs from active host computer nodes from separate raid mirror configurations. Each component object maintains a journal (log) where distributed transactions are recorded.
Vmware, Inc.
02/26/15
20150058227
 System, method, and apparatus to authorize a payment transaction using a token credential patent thumbnailnew patent System, method, and apparatus to authorize a payment transaction using a token credential
A novel system and methodology for conducting financial and other transactions using a wireless device. Credentials may be selectively issued by issuers such as credit card companies, banks, and merchants to consumers permitting the specific consumer to conduct a transaction according to the authorization given as reflected by the credential or set of credentials.
02/26/15
20150058225
 Method and system for authorizing card account transactions by geographic reigon patent thumbnailnew patent Method and system for authorizing card account transactions by geographic reigon
A method and system for authorizing card account transactions by geographic region by providing data for a user interface displaying geographic regions and merchant locations each corresponding to the location of a merchant where a transaction using a card account may be initiated, receiving a user interface selection representing a request to authorize or restrict card account transactions, receiving authorization requests for desired transactions, and authorizing or restricting the transactions in accordance with the request.. .
Capital One Financial Corporation
02/26/15
20150058220
 Payment pre-authorization patent thumbnailnew patent Payment pre-authorization
A computing device may receive account information identifying a user account and may authenticate the computing device as authorized to configure pre-authorized transactions for the identified user account. The computing device may receive pre-authorization parameters specifying limitations on transactions to be performed using a payment card associated with the user account, the limitations being separate from limitations on use of the payment card specified in a cardholder agreement associated with the payment card, and may provide a pre-authorization request to a transaction authorization server authorizing transactions performed using the payment card, the pre-authorization request including the account information and the pre-authorization parameters..
Cellco Partnership (d/b/a Verizon Wireless)
02/26/15
20150058218
 Transaction processing method and apparatus patent thumbnailnew patent Transaction processing method and apparatus
The present disclosure relates to a transaction processing method and apparatus. The method comprises: reading a tag via a user device t obtain a provide identifier associated with a provider for a transaction; generating via the user device a user request containing the provider identifier and a user identifier associated with a user for the transaction; and transmitting the user request to a transaction server, wherein a provider request containing transaction information and the provider identifier has been sent to the transaction server and stored therein..
02/26/15
20150058216
 Atm enabling interface with mobile technology patent thumbnailnew patent Atm enabling interface with mobile technology
A user having a mobile device with optical recognition capabilities and a mobile payment software solution is able to scan a matrix qr code that, upon being scanned by the user's mobile device, links the user's mobile payment software to an atm back-end administrative software allowing the user to complete banking transactions on the mobile device as if a traditional magnetic card has been swiped in the atm. The user can also transfer funds to other mobile payment application users.
02/26/15
20150058214
new patent

Electronic commerce systems


A system for electronic commerce including electronic banking tools, products and services. The system includes customizable banking products and cards, and methods and systems for conducting financial transactions and maintaining records over the internet..
02/26/15
20150058211
new patent

User validation, amount-due validation, payment collection, and payment processing system and method thereof


The systems and methods of the present invention allow users to perform various transactions using a mobile device. This is accomplished by building custom software to interact with a variety of hardware systems.
Payit, Llc
02/26/15
20150058200
new patent

Architecture of simplified hardware requirements for bank card payment transactions in a large group of clients, transaction terminal unit, extended function sim card, and methods for individualisation and performing transaction


Architecture of simplified hardware requirements for bank card payment transactions in a large group of clients, in which each client have an extended function sim card containing payment utility and regular bank card identification information. A mobil pay center (4) is connecting to the client and the service provider (2) of the actual transaction through a bidirectional cryptographic interface and a communication channel of the first type, and is connecting to one or more bank card authorisation center (11) of the actual transaction through a bidirectional cryptographic interface and a communication channel of the second type.
02/26/15
20150058190
new patent

Rapid tax collection system and method


Preferred examples of a system and method for rapid collection and distribution of taxes are disclosed. The disclosed embodiments of the present invention provide a system and a method for point-of-sale collection and distribution of sales taxes on a frequent, regular basis, such as daily or weekly or other periodic time intervals, that can be used for face-to-face, e-commerce, telephone or other transactions.
Fairshare, Llc
02/26/15
20150058189
new patent

Rapid tax collection system and method


Preferred examples of a system and method for rapid collection and distribution of taxes are disclosed. The disclosed embodiments of the present invention provide a system and a method for point-of-sale collection and distribution of sales taxes on a frequent, regular basis, such as daily or weekly or other periodic time intervals, that can be used for face-to-face, e-commerce, telephone or other transactions.
Fairshare, Llc
02/26/15
20150058187
new patent

Mileage tax estimation using payment network data


A method and system of determining a vehicle mileage tax associated with a consumer includes retrieving data associated with a plurality of transactions associated with a payment account of a consumer, the data including a merchant identifier, a location, and a date and time associated with each of the plurality of transactions. A total mileage traveled by a vehicle associated with the consumer is estimated based on the location, and the date and time associated with the plurality of transactions.
Mastercard International Incorporated
02/26/15
20150058186
new patent

Searching digital receipts at a mobile device


The present invention extends to methods, systems, and computer program products for searching digital receipts at a mobile device. A customer mobile device receives and stores one or more digital receipts.
Wal-mart Stores, Inc.
02/26/15
20150058165
new patent

Online shopping system and method facilitating foreign transactions


Global shoppers may access numerous predetermined online shopping websites. Users can shop normally and can generate a third-party cart.
Mallforafrica, Inc.
02/26/15
20150058142
new patent

Store-integrated tablet


Systems and methods are presented for integrating e-commerce transactions with physical store shopping transactions. In some embodiments, an apparatus is presented.
02/26/15
20150058134
new patent

Systems, methods, and articles of manufacture for targeted marketing via improved card embossing


Systems, methods, and articles of manufacture are disclosed for generating marketing targeted to individual cardholders of shared credit card accounts. A financial service provider may configure a credit card account to be shared by two or more cardholders.
Capital One Financial Corporation
02/26/15
20150058109
new patent

Systems and methods for financial data communications and data management


The principles and embodiments of the present invention relate to a system for facilitating an interaction between a person (group or sponsor) and a merchant. In some embodiments, a system is provided in which the person electronically institutes a promise to spend a specific amount of money on purchases with the particular merchant in a specific time period and the merchant electronically institutes a savings offer on transactions made using a credit or debit card in exchange for the customer setting aside the predetermined amount of money.
02/26/15
20150058108
new patent

Systems and methods to aggregate demand


A computing apparatus includes: a data warehouse to store data associating a plurality of account identifiers with an offer having a predefined purchase requirement and an aggregated purchase requirement for a benefit; and a transaction handler configured to process a plurality of transactions. The transaction handler is further configured to determine whether each of the plurality of transactions satisfies a predefined purchase requirement, identify a set of transactions each satisfying the predefined purchase requirement, and determine whether the set of transactions satisfies an aggregated purchase requirement for the benefit.
Visa U.s.a. Inc.
02/26/15
20150058092
new patent

Dashboard for dynamic display of distributed transaction data


An interface is provided for a user to create a custom dashboard for providing application performance data. The dashboard may be created from one or more widgets, such as graphs, charts, and other display components, and each widget may be individually configured with parameters.
Appdynamics, Inc.
02/26/15
20150058088
new patent

Method and system for using transaction data to assign a trade area to a merchant location


A method for identifying a merchant trade area, includes: receiving a trade area request, the request identifying a merchant; storing a plurality of consumer location data entries, each entry including data related to a consumer involved in one or more payment transactions with the merchant, including a geographic location associated with the related consumer; identifying a geographic location associated with the merchant; identifying at least one geographic deviation metric based on the geographic location associated with the related consumer included in each entry of the plurality of consumer location data entries; identifying a merchant trade area based on the geographic location associated with the merchant and the identified at least one geographic deviation metric; and transmitting the identified merchant trade area in response to the received trade area request.. .
Mastercard International Incorporated
02/26/15
20150058068
new patent

Methods and systems for managing suppliers and flow of goods on an ecommerce platform


A method and system for managing suppliers and flow of goods over an e-commerce platform are disclosed. An exemplary method may include receiving a supply flow change rule, the supply flow change rule includes a condition for change and a supply mode change; and monitoring feedback messages from a supplier regarding transactions associated with a first product.
Tencent Technology (shenzhen) Company Limited
02/26/15
20150058016
new patent

Methods and systems for a voice id verification database and service in social networking and commercial business transactions


A method and system for voice identification and validation is provided. Other embodiments are disclosed.
02/26/15
20150056957
new patent

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.
02/26/15
20150054840
new patent

Applying different transport mechanisms for user interface and image portions of a remotely rendered image


A system and method for remote rendering of computer graphics wherein user transactions are reliable and the transmission of rendered graphics is relatively fast. The invention is implemented in a client server context, where a computer graphics application and rendering resources are located at a server.
Silicon Graphics International Corp.
02/19/15
20150052313

Protecting the footprint of memory transactions from victimization


A processing unit includes a processor core and a cache memory. Entries in the cache memory are grouped in multiple congruence classes.
International Business Machines Corporation
02/19/15
20150052312

Protecting the footprint of memory transactions from victimization


A processing unit includes a processor core and a cache memory. Entries in the cache memory are grouped in multiple congruence classes.
International Business Machines Corporation
02/19/15
20150052308

Prioritized conflict handling in a system


A controller has a cache to store data associated with an address that is subject to conflict resolution. A conflict resolution queue stores information relating to plural transactions, and logic reprioritizes the plural transactions in the conflict resolution queue to change a priority of a first type of transaction with respect to a priority of second type of transaction..
02/19/15
20150052271

Method of optimizing the width of transaction id for an interconnecting bus


The present invention discloses a method of to generate transaction id(s) in a bus interconnection design. An encoding table for each slave can be derived by calculating all possible transactions from all the masters to the slave so as to determine the minimum width of the transaction id received by the slave in the interconnecting bus design, thereby avoiding the routing congestion in the interconnecting bus..
Global Unichip Corp.
02/19/15
20150052108

Method, computer readable storage medium and computer system for obtaining snapshots of data


A method includes requesting a source database system including a source database table to record a transaction log including a plurality of transaction log entries that are representative of transactions including modifications of the source database table and to create a snapshot of the source database table during the recording of the transaction log. For each of a plurality of snapshot entries in the snapshot, one or more validity time intervals during which the snapshot entry is valid are determined on the basis of the transaction log.
Globalfoundries Inc.
02/19/15
20150052066

Reconciling electronic transactions


An apparatus, system and method for establishing a transaction between first and second parties including a first signing step in which a transaction message including a request and a transaction identifier is cryptographically signed by the first party to form a first cryptographically signed message. The first signed message is transmitted from the first party to the second party.
Arm Ip Limited
02/19/15
20150052065

Secure point of sale presentation of a barcode at an information handling system display


Unauthorized copying of a transaction barcode is prevented by including a sensed condition or other publicly-accessible data with the transaction barcode for use as a comparison with the publicly accessible data determined at a barcode reader. If the sensed condition included in the transaction barcode indicates that the transaction barcode was generated for a different transaction, then the barcode reader invalidates the transaction.
Dell Products L.p.
02/19/15
20150052064

Secure remote payment transaction processing using a secure element


Embodiments of the present invention are directed to methods, apparatuses, computer readable media and systems for securely processing remote transactions. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a mobile device.
02/19/15
20150052062

E-commerce shopping and payment process


A process that simplifies shopping on e-commerce platforms includes a program that naturally keeps sensitive user information and data more secure by removing large amounts of sensitive user information and data from multiple merchant sites. The process makes use of personal devices that are always available to users to store user, shipping and payment information and data.
02/19/15
20150052061

Methods and systems for facilitating e-commerce payments


Methods for facilitating financial transactions include facilitating or otherwise increasing the ease and speed of checkout processes. In particular, one or more implementations comprise an e-commerce payment facilitator that acts as an intermediary between a commerce application and a payment gateway.
Facebook, Inc.
02/19/15
20150052055

System and method utilizing a one-to-many payment button for completing a financial transaction


A method implemented in an e-commerce system to facilitate transactions between a customer and a vendor is disclosed. The method comprising receiving a request for a bulk token for use in an advertising campaign.
@pay Ip Holdings Llc
02/19/15
20150052049

Silent sms triggering for mobile billing at a billing server


The invention provides a method of processing transactions with a billing server, including receiving, with the billing server, a transaction request api call from a merchant computer including a msisdn, transmitting, with the billing server, a transaction request response to the merchant computer in response to the transaction request api call, including a transmission id, receiving, with the billing server, a payment authorization text message from a consumer device at the msisdn including a transaction id, determining, with the billing server, a match between the transaction id in the text message with the transaction id in the transaction request response and if a match is determined between the transaction id's, transmitting, with the billing server, a charge request to a carrier server to charge an account on the carrier server corresponding to the msisdn.. .
Boku, Inc.
02/19/15
20150052047

Methods and systems for facilitating document banking


Systems and related methods for facilitating document banking for one or more account holders are disclosed. The system includes a document banking system and one or more verification partners.
Xerox Corporation
02/19/15
20150052044

One view/transaction monitoring


A system for monitoring one or more transactions includes a memory, which stores first metadata, second metadata, and third metadata, communicatively coupled to one or more processors. The one or more processors receive the first metadata from a first transaction processing system, the second metadata from a second transaction processing system, and the third metadata from a third transaction processing system and determine attributes from each of the first, second, and third metadata.
Bank Of America Corporation
02/19/15
20150052040

Transforming debt assets


Techniques for transforming debt assets are disclosed. The techniques involve recording, by one or more computers, a transfer of a proprietary right in debt assets from a first party type to a legal trust, executing, by the one or more computers, a mathematical model to assess risks associated with the debt assets, determining, based on the assessed risk, terms for issuance of an obligation granting the first party type a right to use assets in the legal trust as collateral for one or more transactions, and recording, by the one or more computers, issuance of the obligation to the first party type.
Risconsulting Group Llc, The
02/19/15
20150052036

Dynamically providing a third-party checkout option


Methods for facilitating financial transactions include facilitating or otherwise increasing the ease and speed of checkout processes. In particular, one or more implementations comprise an e-commerce payment facilitator that acts as an intermediary between a commerce application and a payment gateway.
Facebook, Inc.
02/19/15
20150052035

Shared account filtering of e-receipt data based on email address or other indicia


Apparatus, methods, and computer program products are described providing, within a personal finance management application (e.g., online banking, mobile banking or the like), customer-based transaction filtering for shared financial accounts (i.e., joint account or accounts otherwise held by more than one individual/customer). The filtering is configured to present holders of the shared accounts views (e.g., windows, sortable lists or the like) of which transactions, and in some embodiments which items in those transactions, were conducted by which holders of the account..
Bank Of America Corporation
02/19/15
20150052032

Transactional messaging systems and methods


A transactional messaging system displaying financial transactions in a user interface structured to resemble an email messaging user interface and/or an instant messaging user interface. The financial transactional messaging system presents and interacts with the financial transactions as email or instant messages, reducing the complexity of tracking, managing and processing transactions while preserving the full capabilities of a transaction processing system.
Seergate Ltd.
02/19/15
20150052006

Method and system for presenting and selecting garments for purchase on a mobile device


This invention discloses a novel system for displaying fashion designs presented at runway shows in order that retail customers may purchase the designs directly and as soon as they become available after the runway show. The system includes a device application intended to be operated on a user's portable computing device for displaying images, receiving selection input from the user and conducting purchase transactions and fulfillment through the system.
Moda Operandi, Inc.
02/19/15
20150051992

Methods and systems employing time and/or location data for use in transactions


A method includes obtaining data from a portable electronic device in which the data regards information obtained using the portable electronic regarding the transaction, and information obtained using the portable electronic regarding at least one of a physical location of the portable electronic device when obtaining the information regarding the transaction and the time of the day when obtaining the information regarding the transaction, and processing the transaction based on the data regarding the information regarding the transaction and the at least one of the information regarding the physical location of the portable electronic device when obtaining the information regarding the transaction and the time of the day when obtaining the information regarding the transaction. The method may be employed in a point-of-sale transaction for the purchase of products at checkout..
Honeywell International, Inc. D/b/a Honeywell Scanning & Mobility
02/19/15
20150051960

System and combing coupons with financial accounts


A system for linking coupons to financial accounts using a mobile device that includes a financial institution database that stores an account of an account holder, a communication interface of a financial institution that receives, via a network, coupon data associated with one or more discounts from a mobile device of the account holder, a linking processor that associates the coupon data with the account of the account holder, an authorization network interface that receives transaction data relating to transactions associated with the account of the account holder, a comparison processor of a financial institution that determines compares the coupon data with the transaction data to determine whether a qualifying transaction has occurred, and a discount processor of a financial institution that provides a credit to an account holder when a qualifying transaction has occurred.. .
Capital One Financial Corporation
02/19/15
20150051947

Systems and methods for transaction-based profiling of customer behavior


A system and method is provided for updating customer profiles based on current information on merchant transactions performed by the customers. The customer profiles, which include data fields for customer attributes, are stored in a profile data base.
Mastercard International Incorporated
02/19/15
20150051945

System and identifying potential future interaction risks between a client and a provider


A method for identifying potential future interaction risks between a client and a provider using a computer server is disclosed. Transactions between the client and the provider are conducted in association with one or more communication platforms and the method includes storing client data on the computer server received from a variety of data sources including client claims data, and storing agent data on the computer server received from a variety of data sources.
Spf, Inc.
02/19/15
20150051937

System and offset management


A system and method for managing offset project data is provided. The system includes a device which maintains the project data.
Offset Market Exchange, Inc.
02/19/15
20150051915

Systems and methods for allocating payments across multiple healthcare accounts


Systems and methods are provided for facilitating account payment posting transactions. A computer-implemented method may include receiving, from a computer associated with a healthcare provider, a healthcare payment transaction for a patient, wherein the healthcare payment transaction comprises an identifier for a guarantor of the patient and a total payment amount.
Mckesson Financial Holdings
02/19/15
20150050991

Apparatus and secure fulfillment of transactions involving virtual items


A computer implemented method to exchange virtual goods in a virtual environment includes receiving funds at a trading platform from a buyer. The buyer is provided with a first secret that the buyer can decrypt and a second secret that the buyer cannot decrypt.
02/19/15
20150050885

Establishing communication links automatically with local devices


An envoy device for performing transactions with a further device in proximity to the envoy device, the envoy device comprising: a first communication device configured to communicate with the further device that is located within a predetermined distance of the envoy device using a local short range communication link; at least one further communication device configured to communicate with the further device using at least one longer range communication link. The envoy device is configured to respond to detecting the further device within the predetermined distance of the envoy device to: establish communication with the further device using the local short range communication link; receive information from the further device regarding any further communication links that the further device has access to; transmit to the further device information regarding the at least one longer range communication link; and to commence a transaction with the further device using the local short range communication link..
Arm Ip Limited
02/12/15
20150047007

Methods and enabling secure network-based transactions


A security process involves log-in and data exchange between a server and a user operating a computerized appliance. The process requires a user-specific token, independent verification of the server execution within a programmed time window.
Ohva, Inc.
02/12/15
20150046758

Redundant transactions for system test


A method for detecting errors in hardware including running a transaction on a plurality of cores, wherein each of the cores runs a respective copy of the transaction, synchronizing the transaction on the cores, comparing results of the transaction on the cores, and determining an error in one or more of the cores.. .
International Business Machines Corporation
02/12/15
20150046752

Redundant transactions for detection of timing sensitive errors


A method for detecting a software-race condition in a program includes copying a state of a transaction of the program from a first core of a multi-core processor to at least one additional core of the multi-core processor, running the transaction, redundantly, on the first core and the at least one additional core given the state, outputting a result of the first core and the at least one additional core, and detecting a difference in the results between the first core and the at least one additional core, wherein the difference indicates the software-race condition.. .
International Business Machines Corporation
02/12/15
20150046744

System and processing web service transactions using timestamp data


A system is provided that is adapted to service web-based service requests. In one implementation, a caching service is provided for storing and servicing web service requests.
Wal-mart Stores, Inc.
02/12/15
20150046413

Delta store giving row-level versioning semantics to a non-row-level versioning underlying store


A delta store giving row-level versioning semantics to a non-row-level versioning underlying store is described. An example method includes establishing a column-based in-memory database including a main store and a delta store, where the main store does not allow concurrent transactions on a same table and the delta store has a plurality of row-visibility bitmaps implementing a row-level versioning mechanism that allows concurrent transactions on the same table.
Sap Ag
02/12/15
20150046400

Multi-path replication in databases


Systems, methods and computer program products for multi-path replication in databases are described herein. A non-limiting embodiment includes instantiating a plurality of replicate connections to a replicate database, providing transactions to the replicate database through a plurality of transaction streams, where the transaction streams associated with respective instantiated replicate connections.
02/12/15
20150046340

Variable authentication process and system


Efficient methods and systems for verifying personal identifiers in transactions such as financial transactions are disclosed. In an exemplary method, an authentication server computer may provide an account number and a personal identifier such as a pin to a payment processing network server computer.
02/12/15
20150046335

Pin entry for internet banking on media device


Embodiments of the invention disclose a remote control device for operating a media device that can be used to conduct financial transactions. The remote control device includes a user interface to accept user input, and a communication interface to communicate with the media device.
Visa International Service Association
02/12/15
20150046332

Behavior tracking smart agents for artificial intelligence fraud protection and management


An artificial intelligence fraud management solution comprises a development system to generate a population of virtual smart agents corresponding to every cardholder, merchant, and device id that hinted at during modeling and training. Each smart agent is nothing more than a pigeonhole and summation of various aspects of every transaction in a real-time profile of less than ninety days and a long-term profile of transactions older than ninety days.
Brighterion, Inc.
02/12/15
20150046330

Transaction processing system and method


A secure storage system securely stores customer information including, for a customer, payment account information, mobile communications device access information and customer verification information associated with mobile communications device identification information. Transactions can be conducted at a merchant system without the merchant system being provided with customer payment account details on presentation of the mobile communications device, payment being effected though the use of the secure storage system interacting with a merchant terminal device and an application on the mobile communications device..
Global Blue Sa
02/12/15
20150046329

Near sound communication (nsc) payment system


Systems, methods, apparatuses, and computer-readable media for using near sound communication (nsc) functionalities to complete transactions are presented. According to one or more aspects, a payment server may receive a data message from a payor's telephone, and the data message may include a user-specified password.
Fundamo (pty) Ltd
02/12/15
20150046328

Secured point of sale transaction using fingerprint recognition


A method for operating a computerized system for processing cashless and cardless financial transactions, the method comprising the steps of: registering a user's fingerprint with an entity, by using the user's fingerprint to create a first image of the user's fingerprint and then storing the first image of the user's fingerprint in a digital database of the entity; associating the first image of the user's fingerprint, now registered, with at least one debit or credit account of the user; receiving, through a transaction device, a request to authorize a financial transaction, wherein said request comprises a second image of the user's fingerprint taken by the transaction device at the time the request to authorize the financial transaction is made; and, authenticating the request to authorize the financial transaction, by comparing in real time, through a computer network, the second image with the first image of the user's fingerprint.. .
02/12/15
20150046324

Low power mode for payment transactions


This application relates to systems, methods, and apparatus for using a computing device to perform payment transactions while the computing device is operating in a low power wallet mode during a low battery state of the computing device. During a low power wallet mode, various subsystems are prevented from receiving current from a battery of the computing device, while a near field communication (nfc) system of the computing device is provided with an operating current for detecting target systems.
Apple Inc.
02/12/15
20150046305

System and capturing sales tax deduction information from monetary card transactions


Systems and methods are provided for managing sales tax information. The information may be generated, for example, in connection with transactions involving financial accounts, such as a credit card account.
Capital One Financial Corporation
02/12/15
20150046304

Analysis of e-receipts for charitable donations


Embodiments of the invention are directed to apparatus, methods, and computer program products for analyzing transaction item-identifying data, such as e-receipts, for the purpose of identifying which transactions or items in a transaction qualify as charitable contributions and in some embodiments verifying or confirming that the transaction or items in the transaction are charitable contributions for the purpose of tax deductions. Additionally, the invention may determine the items and/or portion of the overall or item purchase amount that qualifies as a charitable contribution for tax deductions purposes.
Bank Of America Corporation
02/12/15
20150046292

Facilitating transactions in connection with service providers


A system according to an embodiment comprises one or more processors; and one or more memories adapted to store a plurality of machine-readable instructions which when executed by the processor(s) are adapted to cause the system to: receive, from a user device of a user, user input search information in connection with one or more desired items of interest to the user; determine one or more service providers or entities offering the one or more desired items based on a location of the user device; and generate comparative data for the one or more service providers or entities that provide the desired item(s) based on historical data of the one or more service providers or entities and the received user input search information.. .
02/12/15
20150046283

Computerized sales lead management apparatus and method


The system software facilitates and enables communication and commerce between sales agents and multiple sales lead vendors. Multiple sales agents, whether individually or associated with a corporation or company, may communicate and interact with multiple sales lead vendors.
Leadamp, Inc.
02/12/15
20150046257

Secure tokenless transaction system and method


The tokenless transaction system described herein allows a user conduct financial transactions absent the need for his/her credit cards, debit cards, promotional cards, discount cards, and all other cards typically used in executing a financial transactions. In the same manner, the chances to have a card lost or stolen are reduced, bolstering the security of the user's financial information.
02/12/15
20150046250

System and determining the effectiveness of marketing content


A method of determining the effectiveness of marketing content comprising the steps of recording user access to items of marketing content. Recording customer transactions, and for each transaction, identifying previous access to items of marketing content by the same customer.
Ijento Limited
02/12/15
20150046246

Multi-level transaction rebate computation and distribution system and method


The invention provides a system and method to compute and distribute rebates during various business transactions. The system comprises a transaction end, a transaction itemization end, a user end, a data processing end, a coefficient set up end, a rebate division end, a rebate settlement end, and a payout.
02/12/15
20150046245

Mobile exchanging point value


A transaction is conducted at a merchant location using redeemed loyalty points maintained in a loyalty point account for a customer. The transactions are conducted using a mobile device at a pos terminal.
First Data Corporation
02/12/15
20150046244

Server, computer readable storage medium, computer implemented method and mobile computing device for discounting payment transactions, facilitating discounting using augmented reality and promotional offering using augmented reality


A mobile computing device for facilitating discounting using augmented reality includes a processor structured to process digital data and to execute computer program code, a memory device coupled to the processor and storing the digital data including the computer program code, a video capture interface coupled to the processor and capturing video scene data, and a display device coupled to the processor and displaying the video scene data. The processor is controlled by the computer program code to receive, via the video capture interface, the video scene data, display, using the display device, the video scene data, determine an occurrence of a discount event, and display, using the display device, a discount related overlay in accordance with the occurrence of the discount event..
Fairweather Corporation Pty Ltd.
02/12/15
20150046241

Universal value exchange multipoint transactions apparatuses, methods and systems


The universal value exchange multipoint transactions apparatuses, methods and systems (“uvemt”) transform cross-ecosystem currency exchange instructions via uvemt components into cross-ecosystem currency exchanges. In one embodiment, the uvemt may obtain a cross-ecosystem currency exchange instruction and determine one or more sources and destinations based on parsing the cross-ecosystem currency exchange instruction.
Visa International Service Association
02/12/15
20150046239

Pooling business credits to provide cross-redemption options of business-specific credits


Systems and methods enable creation of assets redeemable for products and services for businesses. Business credits are assigned to users and applied toward transactions.
Clearbon Inc
02/12/15
20150046238

Pooling business credits to provide cross-redemption options of business-specific credits


Systems and methods enable creation of assets redeemable for products and services for businesses. Business credits are assigned to users and applied toward transactions.
Clearbon Inc
02/12/15
20150046224

Reducing false positives with transaction behavior forecasting


An artificial intelligence fraud management system comprises a real-time analytics process for analyzing the behavior of a user from the transaction events they generate over a network. An initial population of smart agent profiles is stored in a computer file system and more smart agent profiles are added as required as transaction data is input.
Brighterion, Inc.
02/12/15
20150046223

Trend-factored rfm scores to improve campaign performance


A computer determines an rfm score for each of a plurality of contacts, each rfm score comprising a recency score, a frequency score and a monetary score respectively based on assigning recency values, frequency values, and monetary values of the plurality of contacts to groups. The computer generates trend factors, wherein the trend factors are based on the monetary values and timestamps of each of a plurality of transactions for each contact of the plurality of contacts.
International Business Machines Corporation
02/12/15
20150046218

Trend-factored rfm scores to improve campaign performance


A computer determines an rfm score for each of a plurality of contacts, each rfm score comprising a recency score, a frequency score and a monetary score respectively based on assigning recency values, frequency values, and monetary values of the plurality of contacts to groups. The computer generates trend factors, wherein the trend factors are based on the monetary values and timestamps of each of a plurality of transactions for each contact of the plurality of contacts.
International Business Machines Corporation
02/12/15
20150046195

Methods for processing insurance transactions


Methods implemented by computer systems for processing insurance transactions.. .
Integrated Claims Systems, Llc


Popular terms: [SEARCH]



Follow us on Twitter
twitter icon@FreshPatents

###

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.
     SHARE
  
         









1.785

4629

459071 - 0 - 94