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Transaction patents



      

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




Date/App# patent app List of recent Transaction-related patents
06/16/16
20160174288 
 Detection and reporting of keepalive messages for optimization of keepalive traffic in a mobile network patent thumbnailDetection and reporting of keepalive messages for optimization of keepalive traffic in a mobile network
Detection of network transactions or keepalives for maintaining long lived connections are disclosed. A keepalive detector can detect keepalive traffic based on keepalive parameters determined from an analysis of socket level network communication log data that record data transfer events including data sent from mobile applications or clients on a mobile device and data received by the mobile applications or clients on the mobile device, timing characteristics, protocol types, etc.
Seven Networks, Llc


06/16/16
20160174017 
 Enhancing data rate or range of near field communication using differential coil topology patent thumbnailEnhancing data rate or range of near field communication using differential coil topology
Described herein are architectures, platforms and methods for enhancing range and increasing data rates during near field communication (nfc) related functions or transactions.. .

06/16/16
20160173599 
 Multiple transaction logs in a distributed storage system patent thumbnailMultiple transaction logs in a distributed storage system
In various embodiments, methods and systems for implementing multiple transaction logs in a distributed storage system are provided. A log stream component detects performance metrics of a plurality of log streams.
Microsoft Technology Licensing, Llc


06/16/16
20160173528 
 Safe input browser, operation method thereof, and computer system having the safe input browser patent thumbnailSafe input browser, operation method thereof, and computer system having the safe input browser
The disclosure provides a safe input browser, an operation method thereof, and a computer system having the safe input browser. Upon receiving a command for activating the safe input browser, the pointed site of a specific website is guided to the safe input browser to be linked thereto, so that only web pages of the specific site liked thereto will be shown.

06/16/16
20160173457 
 Techniques for securing supply chain electronic transactions patent thumbnailTechniques for securing supply chain electronic transactions
Techniques for authenticating the identity of shippers and receivers of goods at each point along a supply chain. A central hub repository issues shippers and receivers a pair of public and private keys for encrypting communications between the shippers and receivers and the hub repository and for authenticating the identity of shippers and receivers.
Oracle International Corporation


06/16/16
20160171829 
 Systems and methods for administration of stored value accounts associated with gaming environments patent thumbnailSystems and methods for administration of stored value accounts associated with gaming environments
A transaction facilitation system is disclosed that is configured to affect substantially real-time crediting and debiting of gaming accounts maintained within a gaming environment and structured to communicate by a private restricted communication link with a host to effect real-time crediting and debiting of a stored value account. Financial transactions using the stored value account can be and used customer relationship purposes..
Sightline Interactive Llc


06/16/16
20160171626 
 Systems and methods for employing document pre-tag auditing in transaction rooms for digital transactions patent thumbnailSystems and methods for employing document pre-tag auditing in transaction rooms for digital transactions
Embodiments are directed towards employing a transaction room in a digital transaction service to provide participants controlled access and editing of a document. In response to a trigger, a first copy of the document is created.
Docusign, Inc.


06/16/16
20160171576 
 Functionally interrelated user interfaces for conducting transactions patent thumbnailFunctionally interrelated user interfaces for conducting transactions
A negotiation panel can be provided to enable a buyer and a seller to exchange messages over a communication network. The contract term negotiation panel may identify a list of contract terms which are open for negotiation between the buyer and the seller.
Auction.com, Llc


06/16/16
20160171575 
 Methods and systems for identifying mobile phones and other electronic devices patent thumbnailMethods and systems for identifying mobile phones and other electronic devices
The present disclosure describes various embodiments of methods and systems for identifying a device that is being offered for purchase from a user at a kiosk. In some embodiments, the kiosk queries a database to determine or corroborate the type of equipment being offered for purchase based on an unique identifier such as an imei/meid number or a tac code for the device.
Ecoatm, Inc.


06/16/16
20160171563 
 Communication service method and communication apparatus thereof patent thumbnailCommunication service method and communication apparatus thereof
Each user terminal apparatus is connected with a service business enterprise system by a connection business enterprise system in a state that a live image can mutually be transmitted through the service business enterprise system. An user beforehand sets its live image to be appropriately utilized as an advertisement medium, and chooses selling goods to be advertised.
Sony Corporation


06/16/16
20160171549 

System and extracting and publishing information captured by point of sale, point of service, and other order management and sales transactions recording systems for positively influencing internet search engine results


A system and software method for monitoring and mining work order information from a remote oms system and automatically generating and continuously updating web content therefrom to positively influence ranking in a listing of search results. The software method comprises the steps of monitoring the oms system for completion of each work order, upon completion querying the oms for information related to the service and/or goods provided, compiling a file of information related to the service and/or goods provided, mining relevant information from the file based on a pre-programmed ruleset, and sending the relevant information to an html authoring module that automatically generates web content therefrom and posts it to the clients web site to positively influence search engine rankings in response to a key phrase query that is relevant to the service completed and/or goods provided..

06/16/16
20160171526 

Identifying and crediting rebates to users of an affiliate marketing rebate system


The present disclosure is directed to systems and methods for crediting users with rebate commissions in response to the users completing purchase transactions via retailer websites. According to embodiments, the systems and methods may determine that, after a user has completed a purchase transactions, the user is not enrolled in a rebate service.
Couponcabin Llc


06/16/16
20160171503 

Systems and methods for promotion of selected transactions


Systems and methods for promotion of selected transactions are provided. In one embodiment, a method comprises receiving promotion information comprising a transaction selected for promotion by the user, a reimbursement amount, and a target user; transmitting a request to the target user for reimbursement for the selected transaction; and responsive to receiving approval of the request from the target user, updating an account balance and a reserve balance based on the reimbursement amount, the account balance comprising funds in an account associated with the user that are accessible to the user and the reserve balance comprising funds in the account that are inaccessible to the user.
Solovex, Inc.


06/16/16
20160171502 

System and performing automatic payment transactions


A method and system of conducting a payment transaction including receiving, by a payment platform, a verification query including payment profile identification information and a payment request. The payment request includes merchant information.
Mastercard International Incorporated


06/16/16
20160171499 

Fraud detection via mobile device location tracking


Methods, computer-readable media and devices for calculating fraud scores for pending payment transactions are disclosed. A method includes a processor receiving a request for a fraud score.
At&t Mobility Ii Llc


06/16/16
20160171498 

Systems and methods for fraud detection by transaction ticket size pattern


A method and system for detecting fraud in a payment card network using a pattern of transaction ticket size are provided. The method including receiving transaction information, for a current financial transaction, from at least one of a merchant point of sale (pos) device and a merchant website, the transaction information including a current transaction amount, the transaction information associated with a single payment card cardholder, retrieving a predetermined number of historical transactions for the single cardholder based on the transaction information, and generating a historical spend ticket size pattern based on average ticket size and dispersions for at least one of the same store, similar stores, and relevant merchant categories.
Mastercard International Incorporated


06/16/16
20160171493 

System and secure payment transactions


A system and method for enable pin debit transactions at internet based online merchants by using a combination of ivr and hardware security module is provided. The system may include an adaptive payment server including one or more processors configured to receive a first communication including first identification information from a first communication device on a first communication channel.
Mts Holdings, Inc.


06/16/16
20160171488 

Authentication and verification services for third party vendors using mobile devices


A method to provide authentication services to third party vendors by a service provider hosting an authentication, authorization and accounting (aaa) server or a similar device that can authenticate users for some other service. This method enables easy and substantially error-free end-user authentication, which forms the basis for enabling electronic transactions (e.g., web-based) that are less vulnerable to fraud..
Alcatel Lucent


06/16/16
20160171487 

System and pre-provisioned wearable contactless payments


Systems and methods may comprise rfid data acquisition technology which may be embedded in a fob or tag for use in completing financial transactions. This fob may a self-contained device which includes a transponder and which may be contained on any portable form factor.
American Express Travel Related Services Company, Inc.


06/16/16
20160171482 

System and over the air provisioned wearable contactless payments


Systems and methods may comprise rfid data acquisition technology which may be embedded in a fob or tag for use in completing financial transactions. This fob may a self-contained device which includes a transponder and which may be contained on any portable form factor.
American Express Travel Related Services Company, Inc.


06/16/16
20160171479 

Provisioning platform for machine-to-machine devices


Techniques described herein include a platform and process for provisioning user information onto a machine-to-machine device in order to enable the machine-to-machine device to conduct transactions utilizing the user information. In some embodiments, a user device is used to relay information between a machine-to-machine device and a provisioning service provider computer.

06/16/16
20160171475 

Systems and methods for mobile location-based service and retail service enhancement applications


Location-based service and retail and service enhancement system. An application can be downloaded onto a customer's mobile computer to utilize and develop a customer relationship management database (crm database) and/or a merchant offer program.

06/16/16
20160171472 

System and identifying member customers of a retail enterprise membership service at enterprise point-of-sale systems


Disclosed is a system and method for effecting payment for purchases at point-of-sale systems of a retail enterprise. Each point-of-sale system is associated with a different stored identification code, and a stored first code is associated with a stored electronic payment system preauthorized by a customer member of the retail enterprise for automatic payment processing during purchase transactions carried out by the customer member at any of the plurality of point-of-sale systems.
Meijer, Inc.


06/16/16
20160171428 

Inventory management system with late transaction processing


An inventory management system processes late transactions. The system takes snapshots of stock counts recorded in an accounting system and receives a transaction record after taking the snapshots.
Oracle International Corporation


06/16/16
20160171252 

Buffer access for side-channel attack resistance


A cryptographic accelerator (processor) retrieves data blocks for processing from a memory. These data blocks arrive and are stored in an input buffer in the order they were stored in memory (or other known order)—typically sequentially according to memory address (i.e., in-order.) the processor waits until a certain number of data blocks are available in the input buffer and then randomly selects blocks from the input buffer for processing.
Cryptography Research, Inc


06/16/16
20160171206 

Hardware-based device authentication


An opportunity for a computing device to participate in a secure session with a particular domain is identified. A domain identifier of the particular domain is received and a secured microcontroller of the computing device is used to identify a secured, persistent hardware identifier of the computing device stored in secured memory of the computing device.
Mcafee, Inc.


06/16/16
20160171202 

Systems and methods for facilitating mobile transactions


The invention relates to a method for enabling the user of at least one mobile terminal to access one or more of a plurality of services corresponding to a published tag by receiving published tag data and user identification data corresponding to a user who scanned the published tag and determining whether the services corresponding to the published tag data is available for users. A unique key is generated for the user, which may be provided to the user's mobile device and is indicative of the scanned published tag.
Pacific Dolphin Holdings Llc


06/16/16
20160171042 

Merging database operations for serializable transaction execution


A method for merging transactions for execution by a database management system. The method includes a computer processor receiving a database query that is comprised of a plurality of transactions.
International Business Machines Corporation


06/16/16
20160171002 

Merging database operations for serializable transaction execution


A method for merging transactions for execution by a database management system. The method includes a computer processor receiving a database query that is comprised of a plurality of transactions.
International Business Machines Corporation


06/16/16
20160170950 

Digital transaction workspace with intelligent notification


A digital transaction management service provides notice to a recipient regarding one or more actions to take with respect to one or more transactions. The digital transaction management service is configured to determine that there is a new action required by the recipient and to send a new notice only if the recipient has accessed the digital transaction management service since the time the last notice was sent.
Docusign, Inc.


06/16/16
20160170877 

System and managing bandwidth and power consumption through data filtering


Various embodiments of methods and systems for managing write transaction volume from a master component to a long term memory component in a system on a chip (“soc”) are disclosed. Because power consumption and bus bandwidth are unnecessarily consumed when ephemeral data is written back to long term memory (such as a double data rate “ddr” memory) from a closely coupled memory component (such as a low level cache “llc” memory) of a data generating master component, embodiments of the solutions seek to identify write transactions that contain ephemeral data and prevent the ephemeral data from being written to ddr..
Qualcomm Incorporated


06/16/16
20160170837 

Use of replicated copies to improve database backup performance


A backup computing device detects an interruption while receiving a backup copy of a transaction log of a primary database and directs a secondary computing device to continue generation of the backup copy of the transaction log, based on the copy of the transaction log of the primary database. A primary computing device directs a secondary computing device to generate a backup copy of the data file and the primary computing device generates a backup copy of the transaction log, of a primary database.
International Business Machines Corporation


06/09/16
20160164880 

Systems and methods of transaction authorization using server-triggered switching to an integrity-attested virtual machine


Described systems and methods allow a client system to carry out secure transactions with a remote service-providing server, in applications such as online banking and e-commerce. The server may evaluate each transaction to determine whether the transaction requires security clearance, according to criteria including, among others, a transaction amount, a location of the client system, and/or a history of transactions carried out for the respective user.
Bitdefender Ipr Management Ltd.


06/09/16
20160164857 

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


06/09/16
20160164698 

Monitoring and controlling bus ring performance


Systems and methods for relate to bus ring performance monitoring and control. A bus ring includes an agent and a switch unit to connect the agent to the bus ring.
Qualcomm Incorporated


06/09/16
20160163120 

Modular architecture for fare collection systems


A fare device having modular architecture includes a display module that controls inputs and outputs of a display of the device, a fare media reader module that sends and receives data from a fare media and processes fare transactions conducted using the fare media as payment, and an external communications module that communicates external data with one or more remote devices. A controller controls operation of the modules.
Cubic Corporation


06/09/16
20160163002 

System and a itemizing the financial transactions of a purchaser based on electronic receipt information


Disclosed is a system and a method for itemizing the financial transactions of a purchaser based on electronic receipt information generated corresponding to purchases of one or more items at a point-of-sale. The system includes a database, a processing unit coupled to the database, a registration module executable by the processing unit for creating a purchaser account on receiving the information related to the purchaser, further the purchaser account stores the electronic receipt information related to the purchaser received from the point of sale; a retrieval module executable by the processing unit for retrieving the items and the money spend on each item from the electronic receipt information related to purchases made by the purchaser at the point of sale; a categorization module executable by the processing unit for creating and storing categories of the items retrieved by the retrieval module in the purchaser account; a computing module executable by the processing unit for computing the information retrieved from the retrieval module and the categorization module for generating a graphical presentation of the money spend on each item purchased by the purchaser at the point of sale; and a display unit for displaying the data executed by the processing unit..
1933503 Alberta Ltd.


06/09/16
20160162978 

Method and system for providing conversation quick phrases


A method of providing conversation quick phrases to a user of a conversation, the method includes the step of determining first identity information of the user and second identity information of another user who is a party to the conversation. The method also includes the steps of obtaining context information corresponding to the first identity information, second identity information and the conversation and determining a stage for the conversation based upon the identity information and the context information.
Alibaba Group Holding Limited


06/09/16
20160162926 

Merchandising promotional incentives to a customer at the point of sale through use of a dynamic authetication code


One or more prizes are awarded through use of an electronic card that uses a predictive algorithm residing in its electronic memory to award the prize(s) in response to a winning transaction involving the electronic card and, once a winning transaction occurs, generates a dynamic authentication code (“dac”) to securely inform an issuing entity about the prize and the winning transaction. The predictive algorithm awards prizes according to prize schedules such that a given prize is won within a given number of transactions (and each such transaction involves sending a dac to an issuing entity), insures that a gap between two successive winning transactions is between a minimum gap and a maximum gap and each of multiple prizes is won within its own given number of transactions schedule while maintaining the minimum gap and the maximum gap between successive winning transactions, and insures that a given prize can only be awarded a maximum number of times during a lifetime of the card.

06/09/16
20160162924 

Track user activities and in exchange provide points to use for various activities including advertising contents to targeted users of network


Various embodiments of a system, methods, platform, database, search engine & device for monitor, track & store user(s) or group of users activities, actions, interactions, events, transactions, status, senses, locations, places, behavior and based on that provide points which user can redeem, use, share, buy, sell, store, transfer, gift, assign, value, unitize, use for payment, use as medium of exchange & spend or spend only for particular purpose said points including use points for broadcasting, sharing, presenting & advertising user content to other target users of network. In another embodiment virally grow user base or customer base by using user's opt-in contacts..

06/09/16
20160162901 

Remotely generated behavioral profile for storage and use on mobile device


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


06/09/16
20160162897 

System and user authentication using crypto-currency transactions as access tokens


A method for crypto-currency transaction authentication includes receiving, by a computing device, from a data storage device associated with a first entity, an authentication information demonstrating possession of a private key, retrieving, by the computing device, from an audit chain, at least one crypto-currency transaction to an address associated with a public key corresponding to the private key, and authenticating, by the computing device, based on the retrieved crypto-currency transaction, the first entity.. .
The Filing Cabinet, Llc


06/09/16
20160162896 

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


06/09/16
20160162883 

Methods and conducting secure magnetic stripe card transactions with a proximity payment device


Methods and apparatus for enabling a proximity payment device to generate dynamic data for securely conducting a transaction by emulating a magnetic stripe payment card. In an embodiment, a mobile device processor transmits information to a digital enablement service computer to activate a simulated magnetic stripe payment wallet application stored in the mobile device.
Mastercard International Incorporated


06/09/16
20160162877 

System for creating and processing coded payment methods


Embodiments of the invention include systems, methods, and computer-program products for a clearing house for creating and directing readable indicia to/from merchants, users, and/or vendors. As such, merchants, users, and vendors may all be able to recognize, read, and complete transactions using a created universal readable indicia, irrespective of the entities associated with the transaction.
Bank Of America Corporation


06/09/16
20160162876 

System for creating and processing coded payment methods


Embodiments of the invention include systems, methods, and computer-program products for a clearing house for creating and directing readable indicia to/from merchants, users, and/or vendors. As such, merchants, users, and vendors may all be able to recognize, read, and complete transactions using a created universal readable indicia, irrespective of the entities associated with the transaction.
Bank Of America Corporation


06/09/16
20160162873 

Systems and methods for messaging, calling, digital multimedia capture, payment transactions, global digital ledger, and national currency world digital token


Provided are computer implemented methods and systems for using a global world universal digital mobile and wearable currency. The method commences with receiving a transfer request.

06/09/16
20160162872 

Remote revocation of application access based on non-co-location of a transaction vehicle and a mobile device


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


06/09/16
20160162870 

System and identifying mobile devices of users involved in purchase transactions


The disclosure relates to systems and methods of identifying mobile devices of users involved in purchase transactions. The system may obtain purchase information that indicates purchases made by users and location information associated with mobile devices that may be potentially associated with the users.
Catalina Marketing Corporation


06/09/16
20160162869 

System and facilitating cash transactions at an atm system without an atm card using mobile


A system, method, and computer-readable storage medium configured to facilitate cash transactions at an automated teller machine when an atm card is not present. The system allows a customer of a first bank to use an atm of a different bank and still facilitate the atm transaction without an atm card present..
Mastercard International Incorporated


06/09/16
20160162864 

Point of sale system


Aspects of the current patent document include systems, methods, and computer program products for facilitating point of sale transactions and payment transactions.. .
Revel Systems, Inc.


06/09/16
20160162861 

Managing electronic transactions


A system and method are provided for electronic transaction management. An input is received from a mobile device over a wireless communication network.
Verizon Patent And Licensing, Inc.


06/09/16
20160162855 

Pre-configure and customize atm interaction using mobile device


Embodiments of the invention are directed to a system, method, or computer program product for communicating customer preferences to an automated teller machine (atm). In this way, the system receives at least one customer preference for conducting transactions at an atm and input from the customer indicating the customer's desire to conduct an atm transaction.
Bank Of America Corporation


06/09/16
20160162812 

System and utilizing virtual and real currencies for processing cruise and cruise-related transactions


Methodologies and apparatuses create and utilize member profiles and provide members the ability to combine their use of actual currency and virtual currency created by a cruise line using common virtual currency to obtain a cruise booking and/or related products and/or service available from a wide variety of vendors partnering with the cruise line. Further, the use of common virtual currency enables formulation, management, comparison and presentation of options for using virtual currency specific to cruise lines..
International Cruise & Excursion Gallery, Inc.


06/09/16
20160162810 

Cardholder travel detection with internet service


A system, method, and computer-readable storage medium configured to identify travel by payment cardholders using an internet service, and more particularly to reduce fraudulent transactions involving payment cards by generating a white list for travel associated with a payment cardholder.. .
Mastercard International Incorporated


06/09/16
20160162329 

Software enabled and disabled coalescing of memory transactions


A program controls coalescing of outermost memory transactions, the coalescing causing committing of memory store data to memory for a first transaction to be done at transaction execution (tx) end of a second transaction. Optimized machine instructions are generated based on an intermediate representation of a program, wherein either two atomic tasks are merged into a single coalesced transaction or are executed as separate transactions..
International Business Machines Corporation


06/09/16
20160162172 

Presenting plurality types of interfaces and functions for conducting various activities


A methods, systems and apparatus for enabling user to access, use, register, communicate, connect, participate, share, transact and interact with internet enabled or associate heterogeneous types of web sites, web sites' heterogeneous features, applications, services, objects, data & user connections, web pages, portals, functions, widgets, objects, applications, providers, sources, destinations, services, servers, databases, networks, devices, social networks, search engines, e-commerce web sites, peer top peer networks, web services, apis, storage mediums, user data, profiles, payment information, social graph, user connections for conducting various user activities, actions, transactions, interactions & communications from one place or single or parent user interface or via interfaces & functions management interface. User can also communicate with other interfaces & functions management interfaces of other users of network(s)..

06/02/16
20160156603 

Low power secure user identity authentication ring


A wearable device (4) for secure execution of near field communications identity-based data transactions with an enclosure (8) that contains a secure nfc integrated circuit (40), a secure bluetooth low energy integrated circuit (48), a microcontroller (48) with a firmware program (104), a battery (44), and a passive sensor (16) that activates the microcontroller (48) when the device is removed or donned by the user. If the nfc integrated circuit (40) is in the enabled state when the microcontroller (48) is activated by the sensor (16), the firmware program (104) disables the nfc integrated circuit (40) function.

06/02/16
20160155195 

System for resolving transactions employing automated offer optimization


The present design includes a system for settling a debt, including a server arrangement having a rules based engine including rules established on behalf of a creditor party owed money by a debtor using a plurality of dictionaries in xml format. The rules include at least one offer set fitness measure representing a measure of ability to resolve debts and comprises at least one of high lift in settlement amount, low rejection of offers, and high completion of transactions, and at least one offer set termination criterion, a condition under which processing is terminated for at least one offer set.
Apollo Enterprises Solutions, Inc.


06/02/16
20160155168 

Automobile transaction facilitation based on a customer selection of a specific automobile


A system, methods, and apparatus for performing automobile transactions are disclosed. In an example embodiment, automobile market data representative of current automobile market characteristics is stored.
Sidekick Technology Llc


06/02/16
20160155165 

System and monitoring activities in a digital channel


The system may be configured to determine, via a verification and monitoring module, identity information for a user in a channel. The system may monitor activity information in the channel.
American Express Travel Related Services Company, Inc.


06/02/16
20160155126 

Method for implementing and integrating biometric markers, identification, real-time transaction monitoring with fraud detection and anti-money laundering predictive modeling systems


A method for implementing and integrating biometrical markers, identification, real-time transaction monitoring with fraud detection and anti-money laundering predictive modeling systems as the means of identifying, measuring, detecting and reporting the importance assigned to each member of a population of transactions coupled with images of participants whereby a relationship exists, or groups of relationships, by and between the transactions and the persons identified in the images and/or being affected by at least one suspicious activity factor, transaction or pattern. According to the method, an image is captured and attached to a financial transaction.

06/02/16
20160155122 

Host capture


A system and method for processing transactions. A unique transaction identifier is generated for each transaction.

06/02/16
20160155119 

Systems and methods for conducting transactions and communications using a trusted third party


Systems and methods are provided for performing transactions and managing communications using a trusted third party. In one embodiment, a sender transfers an encrypted version of a file (such as a digitally encoded audio track, movie, document, or the like) to someone who wishes to receive it.
Intertrust Technologies Corporation


06/02/16
20160155114 

Smart communication device secured electronic payment system


Systems, apparatuses, and methods enabling secure payment transactions, and methods for sharing secure documents, via a mobile device, for example a mobile telephone, smartphone, cellular telephone, other wireless device, a near field communications (nfc) device, or the like. Actual user account information is substituted with temporary account information such that the temporary account information may be manipulated in a manner similar to actual user account information, with the result that actual account information is masked thereby greatly reducing the likelihood of misuse..

06/02/16
20160155110 

Dynamic risk assessment and peer-to-peer transaction system and method


A system and method for booking peer-to-peer asset transactions, dynamically assessing risk associated with the transactions, and generating custom insurance policies for the transactions. A risk profile is created for the asset, an owner of the asset, and a potential renter of the asset based on data about the asset, data about the owner, and data about the potential renter, respectively.
Good Travel Software Limited


06/02/16
20160155109 

Systems and methods for convenient and secure mobile transactions


Systems and methods for conducting convenient and secure mobile transactions between a payment terminal and a mobile device, e.g., in a fueling environment, are disclosed herein. In some embodiments, the payment terminal and the mobile device conduct a mutual authentication process that, if successful, produces a session key which can be used to encrypt sensitive data to be exchanged between the payment terminal and the mobile device.
Wayne Fueling Systems Llc


06/02/16
20160155107 

Improved performance in interaction systems


A transaction computing device for interacting with a pos system, the pos system comprising a pos terminal having a software module for processing transactions within a transaction environment and a physical device in communication with the pos terminal, the transaction computing device comprising: an input for receiving transaction data from the physical device; a processor arranged to process the received transaction data to generate modified transaction data; an output arranged to send the modified transaction data to the pos terminal wherein the processor is arranged to: determine whether the received transaction data is associated with a unique identifier and, in response to determining the presence of an associated unique identifier, determine the state of the unique identifier; in response to the unique identifier being valid, retrieve a modified identifier, the modified identifier being in a format compatible with the pos terminal; generate modified transaction data, the modified transaction data comprising the modified identifier.. .
Ecrebo Limited


06/02/16
20160155106 

Multiple key value assignment system


Multiple letters, characters, numbers, strokes and symbols to be assigned to a given physical key on a physical keypad residing on a physical keypad integrated into, or attached to, an electronic device used for electronic financial transactions such as an automated teller machine (atm) or point of sale (pos) terminal, that is used for data entry on the display screen of an electronic device and the methodology of automatically displaying and inserting the characters assigned to that physical key on the display screen of said electronic device. As the user continues to touch/press said physical key on the electronic devices keypad, the first software module will display and bring into focus the characters assigned to the appropriate time duration of the continued touch/press of said physical key in a visual manner on the display screen of said electronic device and will continue rotating thru the assigned characters as long as the physical key touch/press continues.

06/02/16
20160155102 

User-friendly transaction interface


Methods and systems for facilitating electronic transactions on a user device are described. User-friendly graphical user interfaces (guis) are provided with minimal text and more pictures and images.
Ebay Inc.


06/02/16
20160155101 

Location based merchant credit voucher transactions


There is provided a method for location based purchase of merchant credit vouchers, comprising: gathering merchant credit vouchers from sellers; mapping each respective merchant credit voucher to at least one geographical redeeming area; receiving a geographical location of a user; matching the user geographical location to a certain geographical redeeming area from the geographical redeeming areas to identify a group of merchant credit vouchers redeemable with at least one merchant located within the geographical redeeming area of the user; receiving a purchase order for purchase of at least one of the merchant credit vouchers from the group; transmitting a digital representation of the purchased merchant credit voucher to the mobile client terminal for payment by the user at the merchant; and crediting an account of the user and debiting an account of a seller of the purchased at least one merchant credit voucher after the transmission of the digital representation.. .
Zeek Mobile Ltd.


06/02/16
20160154842 

Transaction management system


The systems and methods described herein relate to a system for documenting transactions. A filter is provided that captures content associated with transactions.
Open Text S.a.


06/02/16
20160154743 

Flushing dirty data from cache memory


Disclosed herein are a system, non-transitory computer readable medium, and method to reduce input and output transactions. It is determined whether a first set of dirty data, a second set of dirty data, and a number of data blocks therebetween can be flushed with one transaction..
Hewlett-packard Development Company, L.p.


06/02/16
20160154708 

Safe storing data for disaster recovery


A computer-implemented method and system for safe storing data is disclosed. A sending queue manager associated with a client computer transmits an asynchronous write of a transaction message containing data to a receiving queue manager associated with a transaction processing computer not colocated with the client computer.
Jpmorgan Chase Bank, N.a.


05/26/16
20160150425 

System and providing a synthetic transaction platform for analyzing communication between a mobile device and a wireless network


A method is disclosed for providing a platform for analyzing communication between a mobile device and a wireless network. The method comprises checking on the central management system for one or more codes associated with one or more tests to be executed by an agent on the mobile device and sending, by the central management system, a message to the mobile device over the wireless network, wherein the message includes the one or more codes associated with the one or more tests (synthetic transactions) to be executed by the agent..

05/26/16
20160148332 

Identity protection


Some embodiments provide holistic and comprehensive identity protection solutions. The solutions protect user identity by screening the information trail that a user leaves behind online in order to suppress or neutralize information crumbs that can subsequently be used to harm the user.
Blue Sun Technologies, Inc.


05/26/16
20160148314 

Systems and methods to enhance capital formation by small and medium enterprises


The present disclosure provides, in an embodiment, a method for managing securities. The method may include creating a first entity for holding a first series of securities and creating a subsidiary entity associated with the first entity, where the subsidiary entity may be designed to hold a second series of securities.
Hcfp, Llc


05/26/16
20160148312 

Electronic retail system


An internet based system for executing transactions is described. The system may include transaction data, a database, a business logic manager and user profiles.

05/26/16
20160148307 

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.

05/26/16
20160148290 

Automobile transaction facilitation using a manufacturer response


A system, methods, and apparatus for performing automobile transactions are disclosed. In an example embodiment, automobile market data representative of current automobile market characteristics is stored.
Sidekick Technology Llc


05/26/16
20160148289 

Managing buy/sell transactions


A system and method to facilitate a buy/sell transaction between the buyers in an electronic marketplace. The system processes the buy/sell transaction of the time between the first purchaser and the second purchaser during or prior to completion of the buy/sell transaction of the item between the first purchaser and the seller if the offer to buy the item from the second purchaser is accepted by the first purchaser.
Exp Commerce Dot Com Ltd.


05/26/16
20160148244 

Dual redemption path with shared benefits system and method


A system and method is presented for product substantiation and promotion redemption. A purchased product list is transmitted from a retail store system to a promotion analysis server along with a user identifier.
Solutran, Inc.


05/26/16
20160148227 

System and methods for demand-driven transactions


Systems, methods, and apparatus for automatically generating offers for expressions of interest are disclosed. In one aspect, a computer system comprising a network interface, computer memory, a computer processor, and a computer readable storage medium that stores program instructions configured for execution by the computer processor receives an expression of interest from a user device operated by a user.
Nudgit, Inc.


05/26/16
20160148214 

Identity protection


Some embodiments provide holistic and comprehensive identity protection solutions. The solutions protect user identity by screening the information trail that a user leaves behind online in order to suppress or neutralize information crumbs that can subsequently be used to harm the user.
Blue Sun Technologies, Inc.


05/26/16
20160148211 

Identity protection


Some embodiments provide holistic and comprehensive identity protection solutions. The solutions protect user identity by screening the information trail that a user leaves behind online in order to suppress or neutralize information crumbs that can subsequently be used to harm the user.
Blue Sun Technologies, Inc.


05/26/16
20160148206 

Method of processing a transaction request


A transaction processing system (130) is arranged to receive a transaction request from a user device (110), the transaction processing system (130) comprises a cookie retriever (141) arranged to obtain a cookie (112) stored in a browser application (111) of the user device (110) containing outcome data indicative of an outcome of at least one prior transaction, a processing setter (142) arranged to determine based on the outcome data which of a plurality of transaction processes (152) is to be applied by the transaction processing system (130) to the transaction request, and a transaction processor (143) arranged to process the transaction in accordance with the determined transaction process.. .
Touch Networks Australia Pty Ltd


05/26/16
20160148205 

Methods and systems for verifying transactions


An aspect of the present invention provides a computer-implemented method for verifying authorisation of a transaction. The method comprises the steps of: receiving a request to process an electronic transaction for a predetermined amount of money (215); dividing the predetermined amount into a plurality of charges (225); providing the plurality of charges to facilitate debiting of a financial instrument with each of the plurality of charges (235); receiving information relating to the plurality of charges from a user of the financial instrument after debiting of the charges (245); and verifying the transaction only if the information is correct (255)..
Isx Ip Ltd


05/26/16
20160148204 

Mobile commerce payment system


A mobile commerce system and components thereof are provided in which multiple wireless mobile communications devices (mobile devices) (1) each has a unique electronic identification and processing circuit (2) capable of encrypting data utilizing an encryption key and a first software application providing connectivity to commercial webpage servers (4) for purposes that include the conduct of selected transactions involving a payment for goods or services. Each mobile device is independently enabled to conduct financial transactions in real time by communication with a financial institution.

05/26/16
20160148203 

Mobile commerce payment system


A mobile commerce system and components thereof are provided in which multiple wireless mobile communications devices (mobile devices) (1) each has a unique electronic identification and processing circuit (2) capable of encrypting data utilizing an encryption key and a first software application providing connectivity to commercial webpage servers (4) for purposes that include the conduct of selected transactions involving a payment for goods or services. Each mobile device is independently enabled to conduct financial transactions in real time by communication with a financial institution.

05/26/16
20160148202 

Methods and systems for processing transactions, based on transaction credentials


Various embodiments provide a transaction method comprising determining, by a server, if a transaction device is registered to a service, the transaction device being one of a plurality of transaction devices selectable to initiate a transaction, the plurality of transaction devices being associated with at least one transaction credential; determining, by the server, if the transaction device is selected to initiate the transaction based on the determination if the transaction device is registered to the service; and processing, by the server, the transaction using the associated at least one transaction credential if the transaction device is determined to be selected to initiate the transaction.. .
Mastercard Asia Pacific Pte. Ltd.


05/26/16
20160148199 

Method for calculating and converting the value of currency during financial transactions using an account backed with precious metals


A method for calculating and converting the value of currency during financial transactions using an account backed with precious metals using info-technological means and a computer system is a method compatible with banking system converting gold or precious metal kept on a special account into liquid assets. The account is 100% backed with intrinsic value of physical gold or physical precious metal by the bank or service provider.

05/26/16
20160148198 

Secure crypto currency point-of-sale (pos) management


A point-of-sale (pos) terminal is equipped to process crypto currencies for transactions. The pos terminal generates a transaction-based digital wallet for a given transaction to receive a crypto currency payment for that given transaction.
Ncr Corporation


05/26/16
20160148194 

Radio frequency powered smart, debit and credit card system employing a light sensor to enable authorized transactions


This invention provides an embedded light sensor in the card that controls whether the card can transmit card data when energized by an rf energy source. Certain smart, debit or credit cards energize internal component within the card when entering into certain rf energy fields.
Nagraid Security, Inc.


05/26/16
20160148192 

Method and system for multicurrency transactions


A system or method of operating a user held multicurrency card in a transaction with a seller operating in a first currency (first currency?); the system or method comprising: a card capable of being read by a reader; an e-wallet associated with the card and holding data relating to the card, a plurality of amounts of a plurality of currencies stored on e-wallet; a back-end system for receiving card data from the reader and a payment amount required by the seller via a network and for interfacing with the e-wallet to enable authorization of any payments; wherein in use the back-end system receives the data from the reader for a transaction and determines if the e-wallet has sufficient money in the first currency to settle the transaction and if so authorizes settlement of the payment amount.. .
Revolut Ltd.


05/26/16
20160148190 

Multi-functional credit card type portable electronic device


An embodiment includes a credit card device capable of generating a programmed magnetic field of alternating polarity based on a speed of a card swipe, and methods for constructing the device for the purpose of emulating a standard credit card. An apparatus is described to allow said device to emulate behavior of a credit card when used in electronic credit card readers.
Virtual Electric Inc.


05/26/16
20160148188 

Switching between internal and external antennas


The present disclosure is directed to a system and method for switching between internal and external antennas. In some implementations, a system includes an antenna, a connector, and a housing.
Devicefidelity, Inc.


05/26/16
20160148185 

Selecting a preferred payment instrument


Selecting payment instruments for proxy card transactions comprises associating a plurality of financial accounts with a user proxy account; establishing a model for the user account based on configuration data received from a user, the model comprising identification of a particular financial account to use as a backing instrument for a transaction; receiving data associated with a pending transaction regarding the pending transaction; identifying a financial account to use as a backing instrument for the pending transaction based on a comparison of the model with the pending transaction data; receiving a selection of an alternate financial account to use instead of the identified financial account as the backing instrument; modifying the model account based on the selection of the alternate financial account and the data associated with the pending transaction; and utilizing the modified model in a subsequent selection of a financial account for a subsequent transaction.. .
Google Inc.


05/26/16
20160148181 

System and facilitating and processing consumer transactions at a gas pump and for managing a fuel media network


A system for managing and processing a consumer transaction is provided, comprising a gas fuel pump, a high-definition video display topper affixed to the gas fuel pump, a consumer interface screen affixed to the gas fuel pump, wherein the interface screen is in electronic communication with the video display topper, prompts the consumer to engage in a consumer transaction or opportunity, and receives input from said consumer when the consumer engages in said transaction or opportunity. The system may include a fuel media network, the network providing campaign, retailer, advertiser, affiliate, and manager functions and interfaces.
Gas Pump Tv, Llc


05/26/16
20160148179 

Apparatus and monitoring transactions involving a conserved resource


A computer-implemented method and apparatus are provided for monitoring transactions involving a conserved resource, for example to monitor operation of a network of cash dispensing machines. The method comprises receiving into a computer monitoring system a plurality of data feeds relating to the transactions to be monitored, each data feed comprising successive rows of data, each data row in a given data feed comprising multiple data elements in accordance with a predetermined pattern.
Gresham Finacial Systems Ltd.


05/26/16
20160148176 

Method, system, and computer program product for customer-level data verification


A system, method, and computer program to reduce incorrectly declined transactions and improve risk calculation accuracy by reducing error probability during fraud detection. The tool first receives at least one data element as well as transaction account data and/or financial transaction instrument data.
Iii Holdings 1, Llc


05/26/16
20160148173 

Virtual currency management in a retail environment


A point-of-sale (pos) terminal is equipped to process virtual currencies for transactions. A rate checker obtains a real-time conversion rate for the virtual currencies to a government issued currency.
Ncr Corporation


05/26/16
20160148161 

System for managing online transactions involving voice talent


Systems and methods for facilitating online interactions between voice talent users and employer users. The online web-based system has a voice talent database module, an open job database module, a negotiation module, and a payment module.

05/26/16
20160148092 

Systems and methods for determining activity level at a merchant location by leveraging real-time transaction data


Systems and methods provide information regarding the activity level associated with a point of interest. Authorization records can be stored regarding electronic/cashless payment transactions at one or more points of interest.
Mastercard International Incorporated






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