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Transaction patents

      

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




 Admission control based on the end-to-end availability patent thumbnailnew patent Admission control based on the end-to-end availability
Providing admission control for a request may comprise creating a process flow associated with the request, the process flow identifying a plurality of computer-implemented components and a flow of transactions occurring between the computer-implemented components; executing the flow of transactions on the plurality of computer-implemented components; monitoring the flow of transactions to detect a problem in the flow; responsive to not detecting a problem in the flow, allowing the request to proceed; and responsive to detecting a problem in the flow, not allowing the request to proceed.. .
International Business Machines Corporation


 Methods and systems for detection and classification of multimedia content in secured transactions using pattern matching patent thumbnailnew patent Methods and systems for detection and classification of multimedia content in secured transactions using pattern matching
An apparatus is provided for classifying content in one or more transactions. The apparatus includes a transaction boundary detector configured to detect boundaries of the transactions associated with a first server or a first destination.
Citrix Systems, Inc.


 Apparatus and methods for identity verification patent thumbnailnew patent Apparatus and methods for identity verification
An identity verification device comprises a cellular telecommunications modem and a fingerprint scanner coupled to the modem, the verification device being configured for storing first fingerprint data in an enrolment process and being operable, in response to the modem receiving a verification command via a cellular telecommunications network, to perform a verification process in which the fingerprint scanner scans a fingerprint to obtain second fingerprint data, the first and second fingerprint data are compared with each other, and in the event of a match between the first and second fingerprint data, the modem transmits a response signal to a predetermined destination via the telecommunications network. The device may be used in a networked telecommunications system in which the electronic transactions may be initiated by smart cards and other devices..
Cylon Global Technology Inc.


 Mobile pay interface with customized financial statements and targeted marketing prompts patent thumbnailnew patent Mobile pay interface with customized financial statements and targeted marketing prompts
A method and system of providing targeted marketing of financial products and/or services through a mobile pay application including collecting, during an application set-up process, user financial information including user specific financial goals, tracking the user specific financial goals during user account transactions, and using progress of the financial goals to identify user specific opportunities for financial product and service marketing.. .
Mobile Financial Management Solutions, Llc


 Efficient methods for predictive action strategy optimization for risk driven multi-channel communication patent thumbnailnew patent Efficient methods for predictive action strategy optimization for risk driven multi-channel communication
Presented are a method, system, and apparatus for using a specialized computing device managing a contact center to analyze and reduce financial risk on a portfolio of accounts (such as loans, insurance claims, etc.) via determining whether and, if so, when to utilize a communication channel (such as telephone, e-mail, text message, etc.) to contact a customer regarding a monitored account. Variables are received including action history and transactions associated with the monitored account.
Xerox Corporation


 System for optimizing fund usage in retirement planning patent thumbnailnew patent System for optimizing fund usage in retirement planning
Embodiments of the invention comprise systems, computer program products, and methods for retirement planning. The financial institution accesses the values of assets and liabilities and determines estimated inflows and outflows from past inflows and outflows and any other significant future events over the network from various servers, systems, and devices that store transaction information.
Bank Of America Corporation


 Method, system and recording medium for transaction processing using real-time conversation patent thumbnailnew patent Method, system and recording medium for transaction processing using real-time conversation
A method, system, and non-transitory computer readable medium for transaction processing based on a real-time conversation are disclosed. A chat-based ordering method includes displaying a chat user interface (ui) for a first product on a service page for displaying information associated with the first product, creating a chat room for a chat between a seller associated with the product and a user in response to a selection on the chat ui on the service page, and providing an ordering capability for at least one of the first product and at least one second product through the chat room, wherein the providing includes displaying or linking information associated with the first product on the chat room..
Naver Corporation


 Secure data cards and other devices and applications thereof patent thumbnailnew patent Secure data cards and other devices and applications thereof
Disclosed herein are systems of secure data cards and other devices and methods for authorizing secure transactions using the secure data cards or other devices.. .
Neem Scientific, Inc.


 System and  detecting fraudulent online transactions patent thumbnailnew patent System and detecting fraudulent online transactions
Disclosed is a system and method for detecting fraudulent transactions. An example method includes receiving data relating to an electronic transaction, including at least one of user actions data and malware actions data; analyzing, the data to determine whether the electronic transaction is a possible fraudulent transaction based on a predetermined algorithm stored in an electronic memory; determining whether the possible fraudulent transaction is a legitimate electronic transaction, and adjusting the operating parameters of the predetermined algorithm if the hardware processor determines that the possible fraudulent transaction is a legitimate electronic transaction..
Kaspersky Lab Zao


 Secure transaction processing through wearable device patent thumbnailnew patent Secure transaction processing through wearable device
Systems and methods are disclosed for provisioning resources from a first user account to a second user and wearable device for use in a secure transaction. The system may include an electronic payment system having an account for a first user who may allocate funds to a second user's wearable device for utilization in an electronic payment transaction.
Ebay Inc.


new patent

Performing automatically authorized programmatic transactions


Techniques are described for facilitating interactions between computing systems, such as by performing transactions between parties that are automatically authorized via a third-party transaction authorization system. In some situations, the transactions are programmatic transactions involving the use of fee-based web services by executing application programs, with the transaction authorization system authorizing and/or providing payments in accordance with private authorization instructions previously specified by the parties.
Amazon Technologies, Inc.


new patent

Prepaid chip card exception processing


A portable consumer device may have money stored therein, which can be calculated using an accumulator record and an exception record. The accumulator record can be incremented by the amount of any initiated transaction using the portable consumer device.

new patent

Method and system for authentication of payment card transactions


A method and a system are provided for authenticating secure payment card transactions and verifying and validating payment card user identities. The method includes determining a numeric or alphanumeric code on a vehicle registration plate of a vehicle (e.g., a driverless vehicle or a drone) bearing a processing device that is approaching a payment area (e.g., a toll road, a refueling station, or a retail store).
Mastercard International Incorporated


new patent

Detachable electronic payment device


Detachable payment devices capable of performing payment transactions associated with a mobile wallet of a mobile device are described. The payment device may be implemented in a variety of shapes and sizes such as, the shape of a typical payment card or a stylus/electronic pen.
Samsung Pay, Inc.


new patent

Automatic processing of foreign currency tenderings


Various embodiments herein each include at least one of systems, methods, software, and data flows for automatic processing of foreign currency tenderings, such as on point-of-sale (pos) terminals and other devices and system on which currency transactions may be conducted. One method embodiment includes receiving an image of an image flow captured by a camera of a scanner and determining whether a currency item is present in the image.

new patent

Age-verification data monitoring and alerting


Various embodiments herein each include at least one of systems, methods, software, and data flows for age-verification data monitoring and alerting. Such embodiments generally operate to monitor compliance of sales of age-restricted controlled-products in retail environments and providing alerts when potential compliance issues are identified, which may made in near real-time as new transaction data is received.
Ncr Corporation


new patent

Presenting recipient billing information using data from previous transactions


A method and apparatus for displaying presenting billing information of an electronic funds transfer recipient is provided. In an embodiment, a method comprises storing recipient information when a customer makes a financial transfer; requesting billing information from one or more billing companies for one or more accounts associated with the stored recipient information; storing account balance information for the one or more accounts associated with the stored recipient information; displaying, upon receipt of login information from the customer, the billing information and an option to pay the displayed bill; receiving authorization to pay the displayed bill; and causing one or more computers to execute payment of the bill using a payment account of the customer..

new patent

Server supported mobile application for scheduling or conducting transactions


The invention described herein is a system and method for easily connecting consumers seeking services with the provider of the services being sought, and for providing an easy and cost efficient method for scheduling those services. The system consists generally of a network connected service in communication with a database and various mobile communications devices such as smart phones, laptops and other mobile computing devices executing a mobile software application in non-transitory memory enabling service professionals to publish their calendars showing availability as well as location and service consumers to search for availability within a specifically desired time from and geographical location.

new patent

Reservation system


A computerized system for registering participants for a service provided in a plurality of events for which a variable number of participants may be registered and where at least a part of the costs of the event are fixed. The system receives registration data providing a first and a second number of participants to be registered for the event.
Fly Victor Ltd.


new 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.


new patent

Relaxing transaction serializability with statement-based data replication


Consistency of replicated data copies with statement-based replication is provided without requiring transaction serializability. At a subordinate replication node, a transaction start message, replicated data modification statements, and a transaction commit message are received for a next committed transaction from a master replication node, wherein the transaction start message carries a master transaction identifier, an invisibility list consisting of identifiers of other master transactions that had started and not yet committed when this master transaction started, and an earliest invisible master transaction identifier.
International Business Machines Corporation


new patent

Parallel transactional-statistics collection for improving operation of a dbms optimizer module


A method and associated system for improving the operation of an optimizer module of a database-management system. A processor of a computer system captures and stores information about the database's recent transactions, where the captured information describes how each transaction altered the logical description of the database or revised data stored in the database.
International Business Machines Corporation


new patent

Relaxing transaction serializability with statement-based data replication


Consistency of replicated data copies with statement-based replication is provided without requiring transaction serializability. At a subordinate replication node, a transaction start message, replicated data modification statements, and a transaction commit message are received for a next committed transaction from a master replication node, wherein the transaction start message carries a master transaction identifier, an invisibility list consisting of identifiers of other master transactions that had started and not yet committed when this master transaction started, and an earliest invisible master transaction identifier.
International Business Machines Corporation


new patent

Systems and methods for analyzing snapshots


This application describes techniques for creating a second snapshot of a first snapshot of a set of data, modifying the first snapshot, and reverting the modifications to the first snapshot. For example, portions of one or more transaction logs may be played into a database to put the database in a particular state a particular point in time.
Commvault Systems, Inc.


new patent

Method and custom strategy specification in a hosted electronic transaction service system


A merchant generates a customized service strategy related to a suite of electronic transaction services hosted by a service provider. The custom strategy specifies services to perform, and possibly an order in which to perform the services, by a service provider in relation to an electronic transaction associated with the merchant.

new patent

Read concurrency using hardware transactional lock elision


Threads using hardware transactions and executing instrumented critical sections that do not perform any writes may complete as long as the thread holding the lock has not yet executed its first write operation. If the thread executing the instrumented critical section performs any writes, or if the thread holding the lock performs any writes during its critical section, the hardware transaction may be aborted.
Oracle International Corporation


An operation and management system for e-commerce application on mobile device, method therof, and application gernerator


The present disclosure relates to an operation and management system providing applications for mobile devices and an electronic transaction method and an application generator thereof. The operation and management system comprises an application generator used to receive first data from a store's store end equipment and create the store's dedicated application which can be downloaded by a portable devices; the operation and management system comprises a data setter used to receive second data from the store's store end equipment and depending on the second data changeable for the dedicated application to complete configuration; the operation and management system comprises an data providing unit that is activated in the portable device, which links the operation and management system for execution of the application, and used in exporting first data and second data corresponding to the application so that transactions are completed in the operation and management system by the portable device in which the application ui is operated..
Nn Holdings (taiwan). Inc.


Transaction execution system interface and enterprise system architecture thereof


A system for interfacing at least one user interactive device with a trade execution system to execute trading transactions requested by users over a network includes an application in communication with the network for interfacing between the at least one user interactive device and the trade execution system and coordinating interaction of the at least one user interactive device with the trade execution system. The application contains first and second apis.
Ebm/ip, Llc


Methods and systems for estimating quality of experience (qoe) parameters of secured transactions


An apparatus is provided for estimating one or more quality of experience (qoe) parameters associated with a specific terminal. The apparatus includes a traffic processor configured to acquire a plurality of transactions for providing multimedia content to a specific terminal.
Citrix Systems, Inc


Automated banking machine with remote user assistance


In an example embodiment, an automated banking machine that allows a customer to employ a mobile wireless device for performing banking transactions. The customer may request assistance from a teller or other bank personnel at a remote location.
Diebold Self-service Systems, Division Of Diebold, Incorporated


System and recognizing revenue and managing revenue lifecycles


A system and method for calculating variable consideration for performance obligations. The method can involve, checking a database for historical transaction data, accessing the historical transaction data, and applying one or more predetermined variable consideration rules to the historical transaction data.
Leeyo Software, Inc.


Analyzing financial market transactions


In one embodiment, a system for analyzing variance in financial transactions includes an interface operable to receive an electronic message that indicates a plurality of financial trades. A processor communicatively coupled to the interface and operable to determine whether the plurality of financial trades occurred during a pre-determined trade period.
Bank Of America Corporation


Method and system to confirm ownership of digital goods


A method and system to confirm ownership of digital goods is provided. In one embodiment, the method comprises receiving, from a client device via a data network interface, a request for a digital good, completing one or more micro transactions with respect to a financial account, generating a code utilizing information derived from the one or more micro transactions and embedding the code into a first copy of the digital good, the code to be used to confirm ownership of the digital good..
Ebay Inc.


Systems and methods for facilitating user selection events over a network


In accordance with embodiments of the present disclosure, systems and methods for facilitating transactions over a network utilize a first component adapted to communicate with a user via a client device over the network and a merchant via a merchant device over the network and a second component adapted to monitor user navigation events over the network, generate a user selection group based on user selections, track user selections, and display user selections to the user via a selection window provided on the client device.. .
Paypal, Inc.


Method and system for facilitating a payment transaction with a mobile payment server


In a transaction between a merchant and a customer, a mobile payment token is provided which includes a mobile payment indicator that indicates payment is to be facilitated by interaction with a customer mobile device, and a mobile device identifier that uniquely identifies the customer mobile device. The mobile payment token is provided in a transaction message to a transaction processing component in place of, and consistent with a format of, a primary account number (pan).
Apriva, Llc


Method for end to end encryption of payment terms for secure financial transactions


The present invention provides a means for true end-to-end encryption of the financial terms and payment information for a financial transaction. Through the use of a secure device belonging to a customer, and a corresponding decryption server deployed at a credit card issuing bank, or other trusted authority, it is possible to encrypt transaction in such a way so that no other party can decrypt the information.
Pocket Systems, Inc.


Payment system


A payment system can include removal from the grid (electronic network) of a person's identity for the purpose of purchased transactions. The payment system can use a digitized 2d graphical representation of the person's “alias identity” for the purpose of identification and authorization of a purchase transaction.

Method and system for processing a mobile payment transaction


In a transaction between a merchant and a customer, a mobile payment token is provided which includes a mobile payment indicator that indicates payment is to be facilitated by interaction with a customer mobile device, and a mobile device identifier that uniquely identifies the customer mobile device. The mobile payment token is provided in a transaction message to a transaction processing component in place of, and consistent with a format of, a primary account number (pan).
Apriva, Llc


Method and system for facilitating a payment transaction with a customer mobile device


In a transaction between a merchant and a customer, a mobile payment token is provided which includes a mobile payment indicator that indicates payment is to be facilitated by interaction with a customer mobile device, and a mobile device identifier that uniquely identifies the customer mobile device. The mobile payment token is provided in a transaction message to a transaction processing component in place of, and consistent with a format of, a primary account number (pan).
Apriva, Llc


Methods and systems for wallet enrollment


Embodiments of the present invention relate to systems, methods, processes, computer program code, and means for creating digital wallets for users. In some embodiments, digital wallets are created, at least in part, on information obtained from payment transactions conducted by users..
Paypal, Inc.


Pre-provisioning electronic banking files


Apparatus and methods for pre-provisioning a generic connection to the bank to allow clients to transmit electronic test files. The test files may include one or more transaction requests submitted for processing by the client.
Bank Of America Corporation


Method and system for managing an employer sponsored incentive program


An approach is provided for facilitating and monitoring transactions associated with the purchase of employer sponsored benefits and/or incentives. An incentive platform processes and/or facilitates a processing of profile information associated with a user of a device to determine a status of the user as an employee of an employer.

Monitoring ecommerce transactions using transaction metrics statistics for different combinations of transaction attributes and values


A method performed by an ecommerce risk assessment system includes receiving ecommerce transaction reports, each containing transaction metrics and transaction attributes having values. A statistic is separately generated for each different type of the transaction metrics based on the values of the transaction attributes.
Ca, Inc.


System and permission based digital content syndication, monetization, and licensing with access control by the copyright holder


A system for controlling access to digital content enables global sharing of digital content under terms negotiated between a content owner and a content subscriber, facilitates commerce and the sale of digital access to any digitally transmittable data. The system may include preconfigured online forms in which users simply “fill in the blanks” to create legally binding contracts and/or licenses, including full terms of agreement, date filed, license key, and other identifying information.

Database identifier generation in transaction processing systems


One or more processors initiate generation of an identifier based on the definitions of both a primary range and a secondary range. One or more processors obtain a unique sequence value from a unique sequence range of known maximum number of values.
International Business Machines Corporation


Database identifier generation in transaction processing systems


One or more processors initiate generation of an identifier based on the definitions of both a primary range and a secondary range. One or more processors obtain a unique sequence value from a unique sequence range of known maximum number of values.
International Business Machines Corporation


Map-reduce ready distributed file system


A map-reduce compatible distributed file system that consists of successive component layers that each provide the basis on which the next layer is built provides transactional read-write-update semantics with file chunk replication and huge file-create rates. A primitive storage layer (storage pools) knits together raw block stores and provides a storage mechanism for containers and transaction logs.
Mapr Technologies, Inc.


Method and system for storage of data in a non-volatile media


A system and method for managing the storage of data in non-volatile memory is described. In an aspect, the data may be described by metadata and a transaction log file that are checkpointed from a volatile memory into the non-volatile memory.
Violin Memory Inc.


Test ip-based a.t.e. instrument architecture


A test system based on multiple instances of reconfigurable instrument ip specifically matched to the device under test may be used in integrating automated testing of semiconductor devices between pre-silicon simulation, post-silicon validation, and production test phases, in one embodiment of software and hardware across all three phases, for different devices. The reconfigurable test system comprises: a tester instrument, instances of instrument ip instantiated in the tester instruments, a computer system, and a test program.

System and preventing dos attacks utilizing invalid transaction statistics


A method and network traffic management device to protect a network from network based attacks is disclosed. The method comprises receiving, at a network traffic management device, a plurality of requests from a plurality of client devices for one or more resources from one or more servers.
F5 Networks, Inc.


Classification based email construction, work flow, and dashboard rendering


This solution suggests a complete transformation of the conventional email utility from the unstructured text body format of the compose message function to an interactive dashboard that allows for focused, categorical workflow of outbound-initiated transactions based on universally recognized business activities. These classifications allow for organized presentation of inbound activities assigned.

Systems and methods for geographical ticker of health related savings account transactions


Systems and method of the present disclosure are directed to providing a geographical ticker of financial transactions. A mapping engine on a server receives a first set of transaction data within a first predetermined time window from a database that includes a monetary amount of a transaction and an entity at which each transaction.
Alegeus Technologies, Llc


Process to enable solution acquisition with saas model


A method is described for allowing solution acquisition on the basis of the saas model by potential customers, the paperless solution management software aiming at introducing a unit counter of transactions executed, allowing the cost of each transaction to be quantified and billed, instead of a cash payment for use licenses.. .
Norte Cred Formalizar SoluÇÕes TecnolÓgicas Ltda


Method, apparatus and system for consumer profiling in support of food-related activities


Methods, apparatus and systems are described. A method, implemented in a food event processing platform, includes establishing communication with a wireless receive/transmit unit (wrtu) attempting to process a food-related event (fe).
Kitchology Inc.


Systems and methods for managing purchase transactions performed by members of groups


Systems and methods are provided for managing purchase transactions by members of a group, where the group includes multiple members. In connection with the systems and methods, transaction data is accessed, via a processor, for a purchase transaction by a member of the group.
Mastercard International Incorporated


Computer processing of financial product information and information about consumers of financial products


Among other things, there is regularly received through a communication network from providers of financial products or from an aggregator or both, current information about transactions that occur in accounts of consumers of financial products that are maintained with providers of the financial products. The received current transaction information is stored in a database of information about the respective consumers.
Connect Financial Llc


Automation of personal finance, credit offerings and credit risk data reporting


Per the terms of service a user executes, the user agrees to perform all commerce, communications and data access possible through their portable and stationary electronic device(s) and allow the associated service to monitor all of their activities. In return, the service tracks their location, monitors and executes all financial transactions, builds upon the assurance of the identity of the user, discourages or eliminates identity theft and is in the best position to provide total financial counseling to the user.

Method for detecting misuse of identity in electronic transactions


The invention provides methods for determining whether a transaction has taken place in geographic proximity to a wireless device. Upon receiving a notification to authenticate the use of an identity at a transaction location, where the identity is associated with a wireless terminal, the method determines an approximate location of the wireless terminal based on cached position information, gps location, cellular geo-location, and/or wi-fi geolocation, and determines whether one or more of these is in geographic proximity to the location of the transaction..
Bpriv Llc


Method and data recipient storage and retrieval of data using a network communication device


A system and method for data recipient invoked electronic commerce allowing data subjects to provide information over a network and data recipients to receive such information relating to the needs of a data subject such as purchases, distribution of application information and the like. The system includes a server having software which gathers the information from a data subject to complete a transaction over a network.
Paypal International Limited


Method and system for processing pin debit transactions


A system for processing a debit transaction between a merchant and a consumer. The system includes one or more processors programmed to receive payment information for the consumer, collect authentication data for the debit card from the consumer, transmit an alias account number unique to the debit transaction to the merchant, receive a credit authorization message including the alias account number from the merchant, translate the credit authorization message to a debit authorization message using the authentication data, and transmit the debit authorization message to a payment processor..
Cardinalcommerce Corporation


Systems and methods for managing transactions to group accounts


Systems and methods for managing payment network transactions to a group account associated with a group are disclosed. One example system includes a memory including a data structure.
Mastercard International Incorporated


Storing secure credential information in different regions


An electronic device may attempt to provision an unprovisioned credential, such as a payment instrument, by providing a message with information specifying the unprovisioned credential to a first computer. This first computer may be associated with a first region in which: a first provisioned credential of a user is supported, the user has registered, and the user can conduct transactions based on the first provisioned credential.
Apple Inc.


System and inter party transactions using a plug-in module to a service


Disclosed herein are systems, methods, and computer-readable storage media for providing a plug-in to an application, such as an audio delivery application, which enables an entity to utilize data about the ecosystem of users in the application and present offers or notices through the application. The offers enable users of the application to engage perform a transaction such as make a donation or transaction or communicate with other users within a community of users that are registered with the application..
Alpine Audio Now, Llc


Transaction processing method and apparatus


The present invention provides a transaction processing method, which is applied to a node presenting a coordinator, where the coordinator is communicatively connected to nodes presenting participants. The method includes: sending, by the coordinator, a query message to each participant; drawing, by the coordinator, a conclusion according to response messages, executing, by the coordinator, the conclusion, and sending the conclusion to the participants, where the conclusion can be determined by a transaction id, a object id and a change information..
Huawei Technologies Co., Ltd.


Transaction log for audit purposes


Methods, systems, and computer program products are included for performing a transaction, where log entries pertaining to the transaction are maintained following the transaction for audit purposes. The log entries may include information about the transaction at various stages, including time information, information regarding operations performed, state information and originator information..
Red Hat, Inc.


Methods and rapid switching of hardware configurations with a speed limited bus


Methods and apparatus for enabling rapid transactions over a speed limited bus are disclosed. In one exemplary embodiment of the present disclosure, a host controller and an application specific integrated circuit (asic) are connected via an inter-integrated circuit (i2c) bus that is further adapted to enable a simplified signaling scheme.
Apple Inc.


Systems and methods for transformation of logical data objects for storage


Systems and methods for compressing a raw logical data object (201) for storage in a storage device operable with at least one storage protocol, creating, reading, writing, optimizatic in and restoring thereof. Compressing the raw logical data object (201) comprises creating in the storage device a compressed logical data object (203) comprising a header (204) and one or more allocated compressed sections with predefined size (205-1-205-2); compressing one or more sequentially obtained chunks of raw data (202-1-202-6) corresponding to the raw logical data object (201) thus giving rise to the compressed data chunks (207-1-207-6); and sequentially accommodating the processed data chunks into: said compressed sections (205-1-205-2) in accordance with an order said chunks received, wherein said compressed sections serve as atomic elements of compression/decompression operations during input/output transactions on the logical data object..
International Business Machines Corporation


Using resource timing data for server push in multiple web page transactions


This patent document describes, among other things, methods and systems for determining which if any page resources a server might push to a client (using, e.g., an http 2.0 server push mechanism). The approaches described herein improve web page load times by pushing page resources that a client is likely to need to render the base page, while reducing wasteful server pushes of resources that the client is unlikely to request from the server because, for example, they are already cached at the client..
Akamai Technologies, Inc.


Server for authenticating smart chip and method thereof


The present invention provides a server for authenticating a smart chip, which is connected to a terminal transmitting and receiving data to and from the smart chip through a network, the server including: a server transceiving unit receiving a card identifier identifying a user from the terminal; and an authentication unit generating an authentication key from the card identifier and authenticating the smart chip from the authentication key, in which the smart chip receives the encrypted text to generate the decrypted text from a private key, and the card identifier is a public key corresponding to the private key. Accordingly, the present invention has the advantages of increasing the safety of a transaction to confirm whether a user has a medium in possession during online and offline transactions..

Systems and methods for administration of non-wagering account associated with multiple gaming environments


A transaction facilitation system is disclosed that is configured to affect crediting and debiting of gaming accounts for two or more gaming environments and structured to communicate with an issuing financial institution of a stored value account to affect crediting and debiting of the stored value accounts. The two or more gaming environments can be members of an alliance of gaming environments that are associated with the stored value account.
Sightline Interactive Llc


Systems and methods for authentication of database transactions with an authentication server


Systems and methods for enhancing the security of an electronic database system. The system has a registry server hosting a registry database accessible by a registry user, and an authorization server hosting an authorization database.
Authenticor Identity Protection Services Inc.


System for resolving transactions employing dynamic credit score alteration techniques


An apparatus for resolving a debt transaction is provided. The apparatus includes means for transmitting a communication to a debtor using one of a number of available communication channels inviting the debtor to contact a server arrangement, a rules based decision module configured to employ only extracted data pertinent to the debtor and determine a potential resolution strategy for the debt transaction comprising a plurality of individualized transaction settlement offers determined specifically for the debtor based on a calculated ability for the debtor to repay at least a portion of the debt transaction.
Apollo Enterprises Solutions, Inc.


Product optimizer


A system and method for automating a corporate transaction. The system can create one or more forms for exchanging information among a customer, a financial institution, and, optionally, a vendor or other third-party who performs one or more sub-transactions related to the transaction.
Altisource Solutions S.à.r.i.


Total spend item level affinity identification system


Embodiments of the invention are directed to a system, method, or computer program product for a distributive network system with specialized data feeds associated with the distributive network for identifying total spend item level affinity for a customer and utilizing the data to provide target advertisement, providing stocking and supplying options for a merchant, and alternatively, for tracking merchant brand association impact. In this way, embodiments of the present invention identify and utilize total spend data for a customer, which includes the products and services a customer purchases within a time period.
Bank Of America Corporation


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.. .
Paypal, Inc.


Validation identity tokens for transactions


A user initiates a transaction by providing identification data at an access device. Certain elements of a validation identity token, such validation keys, may be distributed among several remote server computers.

Visa compliance monitoring system


A computer implemented method, at a processor, of tracking visa compliance of a person, the method comprising the steps of: receiving and storing payment card data associated with a payment card associated with the person; receiving and storing visa data associated with a country and the person; identifying transaction data containing a date and a location of transactions performed using the payment card; and creating immigration status data associated with the person based on the visa data and the transaction data.. .
Mastercard International Incorporated


Configurable system and rendering payment decisions and triggering actions


According to an exemplary embodiment, a computer-implemented method of processing transactions initiated by a payer includes: providing administrative control that enables an administrator to specify predetermined transaction characteristics to be applied to subsequent electronic transactions; storing the predetermined transaction characteristics electronically; receiving an electronic payment authorization request submitted by a payee, the payment authorization request associated with a subsequent transaction initiated by the payer and having a set of submitted transaction characteristics; comparing the set of submitted transaction characteristics against the predetermined transaction characteristics; sending an approval or a denial of the payment authorization request to a payer fulfillment system on the basis of at least the results of the comparison.. .

System and encryption of financial transactions using one-time keys (transaction pad encryption)


The techniques used for encryption of financial transaction information using a modified one time pad encryption are disclosed to enable a system where financial transaction data can no longer be stolen from a merchant's computer system and re-used in a fraudulent manner. In order to ensure that stolen data cannot be reused, the strongest form of encryption is necessary and special considerations need to be made for cases where a thief may know some or all of the contents of the transaction message and seeks to reveal the encryption key and modify the transaction.
Pocket Systems, Inc.


User interface for payments


The present disclosure generally relates to making payments with a mobile device. In one example process, the device receives first authentication data, such as fingerprint authentication information, and second authentication data, such as a bank authorization code.
Apple Inc.


Electronic transaction fraud prevention system


A fraud prevention system for electronic transactions. In the system, a server 12 implements a layered security methodology in which a number of authentication and authorisation processes must be completed successfully.

Facilitating same day payment transactions


The present disclosure relates to systems, methods, and devices for sending and receiving payments using an integrated payment and messaging system. In particular, the integrated payment and messaging system allows users to send and receive electronic payments as well as exchange messages.
Facebook, Inc.


User interface for payments


The present disclosure generally relates to making payments with a mobile device. In one example process, the device receives first authentication data, such as fingerprint authentication information, and second authentication data, such as a bank authorization code.
Apple Inc.


Method and system for online in-store transactions


Methods and systems for online in-store transactions are described. In one embodiment, a method may include receiving, at a communication interface, a selection of an item to a virtual shopping cart of an online retail site.
Jdbw Holding, Llc


Method and system for conducting pre-authorized financial transactions


A method and system for conducting a pre-authorized financial transaction is disclosed. A security gateway receives a pre-authorization token and a consumer alias from a merchant or an acquirer of the merchant.
Visa International Service Association


Biometric authentication system


Embodiments of the invention relate to systems, methods, and computer program products for implementing a biometric authentication system. The biometric authentication system receives biometric information for a user, stores the information in a secure memory device, and compares the biometric information to a scan received at a later time to determine if the user has authenticated the user's identity.
Bphav, Llc


System-level analysis with transactions from protocol probes


This application discloses a computing system to provide test stimulus to an electronic device modeled in a verification environment by the computing system. The computing system can identify transactions performed by the electronic device in the verification environment based, at least in part, on messages exchanged over an interconnect in the electronic device in response to the test stimulus.
Mentor Graphics Corporation


Protocol probes


This application discloses a computing system to provide test stimulus to an electronic device modeled in a verification environment by the computing system. The computing system can identify transactions performed by the electronic device in the verification environment based, at least in part, on messages exchanged over an interconnect in the electronic device in response to the test stimulus.
Mentor Graphics Corporation


Data integrity and loss resistance in high performance and high capacity storage deduplication


A memory system for utilizing a deduplication process may include a controller, a storage media, and a non-volatile ram including a metadata journal and a metadata cache, the metadata cache including an address table and a fingerprinting table, and the metadata journal including a plurality of transactions indicating whether a transaction is successfully written on the storage media.. .
Sk Hynix Memory Solutions Inc.


Command queue for communication bus


Performing transactions on a bus by first generating a sequence of commands by an initiator module and queuing the sequence of commands in a queue module. A first one of the sequence of commands is sent from the queue module via the bus to a target module.
Texas Instruments Incorporated


Automatic root cause analysis for distributed business transaction


A system that automatically provides a root cause analysis for performance issues associated with an application, a tier of nodes, an individual node, or a business transaction. One or more distributed business transactions are monitored and data obtained from the monitoring is provided to a controller.
Appdynamics Inc.


Method and system for securely storing and using private cryptographic keys


A cryptographic system includes an online computer, an offline computer and custom hardware and software by which the two computers can securely communicate to facilitate the creation, secure use, and maintenance of private cryptographic keys. The system securely stores private cryptographic keys while still enabling the keys to be quickly and easily accessed as needed in a variety of applications including, but not limited to, electronic financial transactions, cryptographic transaction processing, medical record access, email encryption, or any other cryptographic authentication process..
Vermont Secure Computing Inc.


Methods and architecture for cashless system security


Methods for secure transactions between gaming machines and portable devices are described. A logic device, separate from a master gaming controller on the gaming machine and placed in the gaming machine, may be operable to authenticate a portable device, such as a smart card, and authorize transactions involving transfers of indicia of credit between the portable device and the gaming machine.
Igt


Predicting a status of a transaction


Methods, systems, and apparatus for predicting a status of a transaction are described. Feature data related to one or more transactions is collected and a subset of features is selected for use in predicting the status of the transaction.
Ebay Inc.


Apparatus and management of electronic receipts and evaluation of the fair market value of goods based on free-form descriptions of goods and shoppers buying habits


A system, apparatus and method for the management of electronic receipts and evaluation of the fair market value of goods and services is disclosed. Fair market values of goods and services may be generated from free-form descriptions of goods and services, as well as consumers' purchasing habits.

Method and using at least a portion of a one-time password as a dynamic card verification value


Method and apparatus for using at least a portion of a one-time password as a dynamic card verification value (cvv) are disclosed. A credit/debit card is able to generate a dynamic card verification value (cvv).
Bank Of America Corporation


Systems and methods for enhanced fraud detection based on transactions at potentially compromised locations


A computer-implemented method for enhancing fraud detection based on transactions at potentially compromised locations is provided. The method includes determining a list of potentially compromised transaction locations, storing the list of potentially compromised transaction locations, and receiving from a first transaction location a first authorization request message for a first transaction.
Mastercard International Incorporated


Method and system using a cyber id to provide secure transactions


A method for registering a user device by providing a subscriber unit having a processor, a memory, and a display, wherein the subscriber unit is configured to accept user input, providing a credential information manager having a processor and a memory, providing a transaction service provider having a processor and a memory, transmitting a request for a transaction from the transaction service provider to the subscriber unit, transmitting the request from the subscriber unit to the credential information manager, storing a cyber identifier associated with the user in the credential information manager memory, wherein the cyber identifier comprises a username, transmitting, from the credential information manager to the transaction service provider, the cyber identifier stored in the credential information manager memory, and transmitting a transaction authorization from the credential information manager to the transaction service provider, wherein the subscriber information is never transmitted to the transaction service provider by the subscriber units.. .

Direct funds transfer process


The present disclosure relates generally to settlement processing. More particularly, techniques (e.g., systems, methods, and devices) are disclosed for facilitating direct settlement of transactions for a specific transacting entity.

Client-side security for tokenized transactions


A program product and device for processing transactions within a token transfer device, such as a smartphone or other portable electronic device. The method includes storing a transaction token having a specified transaction resource value and an associated validation parameter in the memory of the token transfer device.
International Business Machines Corporation


Client-side security for tokenized transactions


A method for processing transactions within a token transfer device, such as a smartphone or other portable electronic device. The method includes storing a transaction token having a specified transaction resource value and an associated validation parameter in the memory of the token transfer device.
International Business Machines Corporation


Email-based e-commerce with near field communication


A method and system implemented in an e-commerce system to facilitate transactions between a customer and a vendor is disclosed. The method includes generating, by a processor, the requested at least one nfc code and token, wherein the at least one nfc code and token an identification of the price the customer pays for a specific product, the customer's amount owed on an invoice or granting access to a secure account, transmitting, by a transmitter, the at least one nfc code and token to a vendor server; receiving, by a receiver, a response email, wherein the response email includes the token; decoding, by the processor, the token; performing, by the processor, an sender policy framework (spf) and domainkeys identified mail (dkim) validation; and processing, by the processor, the transaction, on a condition that the spf and dkim validations are approved..
@pay Ip Holdings Llc


Cloud-based transactions methods and systems


Systems and methods provide for communication of transaction data that is formatted according to a transaction type that is support by an access device. First transaction data may be formatted according to a first type of transaction supported by a first access device and second transaction data may be formatted according to a second type of transaction supported by a second access device.

Payment processing methods and systems


Systems, methods and apparatus for conducting payment transactions are provided. Pursuant to some embodiments, the payment transactions may be conducted between a consumer operating a mobile device and a merchant..
Paypal, Inc.


Systems and methods to deliver targeted advertisements to audience


A system including a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed at the transaction handler, a profile generator to generate a profile of a user based on the transaction data, an advertisement selector to identify an advertisement based on the profile of the user in response to the transaction handler processing a transaction of the user, and a portal coupled to the transaction handler to provide the advertisement for presentation to the user in connection with information about the transaction of the user. In one example, the profile includes a plurality of values representing aggregated spending of the user in various areas to summarize the transactions of the user..
Visa U.s.a.


Automated detection and migration of automated transactions


Automated detection and migration of automated transactions. In one example embodiment, a method may include providing automated transaction migration software running on a first computer of a new account provider to a customer.
Mx Technologies, Inc.


System for managing web-based real-time audiovisual service transaction


A system for managing web-based real-time audiovisual service transactions is available to a remote supplier and a remote client through a network connection. The system includes a master module, a supplier module, a client module and a data transfer platform.

Method for generating intangible bit money managed as data and system for providing services relevant to same


The present invention generates intangible bit money managed as data that can be used as a third currency in order to facilitate efficiency and security in financial transactions in, along with being in compliance with the development of the world, so that the inconveniences and danger accompanying the circulation of the cash carried by a person are eliminated, and the national budget for issuing new currency to replace worn old currency can be saved. It provides a system for depositing and withdrawing money without a bank account even with a personal email, smart tv, communicable game device, or mobile terminal, etc.

Method, system and program product for tracking and securing transactions of authenticated items over block chain systems.


A method, system and program product comprise accessing a system having a digital currency infrastructure. At least three user addresses are created.

Data security system for electronic payments


A data security system that electronically processes payment transactions is provided herein to assist in securely moving data and payments from a bank account directly into a designated trust account while bypassing unsecure, intermediate steps and processes. Although it is standard practice for a buyer's payment to be handled by the buyer, the buyer's agent, the listing agent, and the broker or designated trust account holder before the check is deposited to a trust account at a bank, due to the high number of entities that handle the payment, the optimal transaction security may not be obtained by the standard practice.
Trustfunds, Llc


System and encoding and controlled authentication


A system and method for encoding and controlled authentication of security documents, id cards, tickets and products and the like is described which can provide a secure means to determine them to be authentic. The method involves encoding the surface of the said security documents or id cards or tickets and the like with of a pair of identity components comprising a pair of unique numbers, or a combination of a uniquely encoded image and a unique number, or a combination of a unique barcode and a unique number, or a combination of encoded images.

Image insertion into an electronic health record


The hipaa security rule introduces problems that are solved by technical solutions including minimizing transactions among devices, reducing the number of times and places a captured image is stored, and transforming image data. Embodiments allow a user (e.g., a healthcare provider such as a physician or nurse) to use a computing device (e.g., a smart phone, a tablet, a personal digital assistant (pda), or a personal computer) to capture an image and/or add an image (e.g., a photo of a rash), encrypt the image, transmit the encrypted image, decrypt the encrypted image, and insert the image directly into a patient medical data record while maintaining hipaa security rule compliance.
Practice Fusion, Inc.


Authentication based on proximate devices


In one embodiment, a computer-implemented method includes, in response to an attempt by a user to perform a transaction using a computing device, accessing a communication device connected to the computing device. A presence of one or more nearby devices, with respect to the computing device, is detected through use of the communication device connected to the computing device.
International Business Machines Corporation


System and real estate asset management


A system and method for management of real estate assets via a network of the various participants in real estate management is disclosed. Users include asset managers and related service providers.
Hometelos, L.p.


Database system


According to one embodiment, there is provided a database system in which a database server and a storage are connected via a communication line. The storage includes a data area, a transaction information storage area, a journal log storage area, and a first circuit.
Kabushiki Kaisha Toshiba






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