 Patent Application Title |
Patent App Num. |
Date |
 Business enclosure | 20130118094 | 20130516 |
 There is a business enclosure configured to provide easily deployed automated business services to a region. The business enclosure includes a shelter structure, not including any plumbing and configured to provide power and communication thereto. The shelter structure includes a communication module configured to communicate with a remote computerized network. The shelter structure includes a recognition module configured to provide facial recognition capabilities of customers thereof. The shelter structure includes a self-service financial transaction module configured to permit users to provide direct payments to target individuals with a financial account. The business enclosure includes an automated business service kiosk configured to provide business services to customers. The automated business service kiosk includes a single robotic dispensing module servicing a plurality of customer interface modules.
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| Automated banking machine that operates responsive to data bearing records | 20130119125 | 20130516 |
 An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.
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| Metal-containing transaction card and method of making the same | 20130119147 | 20130516 |
 A method of creating a single transaction card is disclosed and comprises embossing the single transaction card within a pocket to form embossed characters on a first surface of the single transaction card, filling the pocket with a fill panel to provide a substantially flush surface on a second surface of the single transaction card, wherein a third surface of the fill panel is in uniform, direct contact with an interior of the pocket. Another method is disclosed for machining a face pocket within a single transaction card and disposing a microchip therein. In various embodiments, a single transaction card is comprised of a continuous metal layer, such as, for example, titanium.
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| Anti-counterfeit banknote recorder, an automatic teller machine and a system | 20130120580 | 20130516 |
 An anti-counterfeit banknote recorder, an automatic teller machine and a system are provided. The recorder includes a microprocessor, a memory, a communication module and a first photographic device. The first photographic device includes a camera and a flasher with different types of rays. The microprocessor is able to regulate the flashlight automatically so as to provide different types of rays according to the optical characteristics on the surface of the banknote under monitoring, and control the camera so as to take photos of the banknote under monitoring, thus, photo information of the banknote is obtained. The microprocessor is able to receive commands from the external equipments via the communication module, thus, the first photographic device is controlled accordingly so as to take photos. Moreover, via the... |
| Local trusted services manager for a contactless smart card | 20130121493 | 20130516 |
 Systems, methods, computer programs, and devices are disclosed herein for deploying a local trusted service manager within a secure element of a contactless smart card device. The secure element is a component of a contactless smart card incorporated into a contactless smart card device. An asymmetric cryptography algorithm is used to generate public-private key pairs. The private keys are stored in the secure element and are accessible by a trusted service manager (TSM) software application or a control software application in the secure element. A non-TSM computer with access to the public key encrypts and then transmits encrypted application data or software applications to the secure element, where the TSM software application decrypts and installs the software application to the secure element for transaction purposes.
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| System & methods for developing, provisioning & administering composite mobile applications communicating in real-time with enterprise computing platforms | 20130122867 | 20130516 |
| The present invention teaches a system & methods for developing & administering composite mobile applications communicating in real-time with enterprise computing platforms comprising combinations of the steps of transmitting a data message, intended for delivery to a mobile client device, from an enterprise server computer to a gateway computer system, receiving at the gateway computer system the data message, recording receipt of the data message in a transaction log at the gateway computer system, determining a mode of delivery of the data message from the gateway computer system to the mobile client device, transmitting the data message from the gateway computer system to the mobile client device via the determined mode of delivery, and recording the transmission of the data message to the mobile client device... |
| Tracking system for healthcare facilities | 20130124227 | 20130516 |
| A location/tracking system for use in hospitals and similar healthcare facilities is based upon a “last seen” location for patients, clinicians, or high value equipment. The system uses portal readers to determine when and where an item to be tracked passes through a portal, bed or exam chair mounted proximity reader to determine when and how long an item is proximate to a reader in order to determine when and for how long the item is proximate to a particular task area. Real time tracking and retrospective analysis of transaction data enables locating an item to be tracked and allows higher level analysis of the transaction data to determine metrics for “time to test”, “time to treatment”, and similar statistics.
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| Web influenced in-store transactions | 20130124261 | 20130516 |
| In selected embodiments a repository system correlates user browsing behavior with in-store transactions involving a number of products or product categories. For example, an online portal may receive online transactional data and in-store transactional data and associate particular user identities with such data. The user identities may be correlated by matching online transactional data with in-store transactional data. This correlation identifies a user known to frequent both online and in-store venues of the same retailer. The online portal may maintain browser repository records based on an association of online and in-store identities. In some implementations, the portal measures in-store transactions of a user known to frequent both online and in-store venues. The measurements may be performed for a predetermined time period. Such measurements may be used... |
| Cross channel explicit feedback and corrective action framework | 20130124262 | 20130516 |
| Techniques and equipment for enabling a cross-channel feedback loop for capturing, in an interactive customer retail or service channel of a business enterprise, explicit feedback from a user for a similar or related transaction initiated by the user in a different channel. The explicit user feedback captured in the second channel can be used to evaluate and, if desired, make improvements to user interface components related to self-service or automated user transactions in the first channel.
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| Systems and methods to summarize transaction data | 20130124263 | 20130516 |
| A computing apparatus is configured to summarize transaction data via aggregating transactions according to geographical regions (e.g., based on postal codes) for a plurality of merchant categories, normalize the aggregated spending across the merchant categories for each geographical region, rank the regions for each category based on the normalized spending, generate percentile indicators based on the ranking result, and generate spending indices that are proportional to the normalized spending within each category. The spending indices and percentile indicators of a geographical region across the set of merchant categories represent a spending profile of the region. The spending profile is indicative of the spending preferences of the region but does not reveal the actual spending amounts of any individual, family or region. The spending profile can be... |
| Real time redemption tracking system | 20130124280 | 20130516 |
| A marketing system is disclosed comprising a merchant server including means for providing a vendor website; a point of sale terminal in communication with the merchant server, the point of sale terminal for conducting a retail transaction with a customer; a tracking server in communication with the merchant server, the tracking server for acquiring customer statistics and providing the customer statistics to the merchant server; and an internet-ready device in communication with a marketing system application disposed in the tracking server, the internet-ready device for utilizing a token received in the retail transaction.
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| Method and apparatus for distributing advertisements using social networks and financial transaction card networks | 20130124283 | 20130516 |
| An exemplary method for distributing an offer to a mobile device includes identifying a location of a first mobile device, identifying offer preferences for a user of the first mobile device, and distributing the offer to the first mobile device. The offer is an offer for the purchase of goods or services, the offer meets the offer preferences of the user of the first mobile device, and the offer is encoded with a first offer identifier corresponding to the user of the first mobile device.
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| Electronic transaction and logistics system | 20130124286 | 20130516 |
| The present invention is related to an electronic transaction and logistics system that comprises a server, a plurality of shop units and a plurality of characteristic code carriers. The server is provided with a management platform and a member database for storing account information of each member, a corresponding characteristic code, a plurality of points and the attribute of each point. Each shop unit is connected to the server through the network, and provided with a shop platform, a shop database, a counter device, a characteristic code reader and a keyboard. The member can use the shop unit to shop and pay by electronic cash, bonus, and gift coupon, and also to pick-up merchandise, top up value, inquire consumption details, create an account, and change or... |
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| Systems and methods to provide discount at point of sales terminals | 20130124287 | 20130516 |
| A system and method configured to use a transaction handler to modify the transaction amount of a transaction between an acquirer processor and an issuer processor, during the processing of the authorization of the transaction, in accordance with an offer that is applicable to the transaction to apply the benefit of the offer to the transaction and to provide information of the offer as applied to the transaction in the authorization response transmitted to the acquirer processor.
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| Remote transaction processing using authentication information | 20130124289 | 20130516 |
| A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
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| Remote transaction processing using a default payment method | 20130124290 | 20130516 |
| A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
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| Remote transaction processing with multiple payment mechanisms | 20130124291 | 20130516 |
| A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
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| Payment options based on location | 20130124319 | 20130516 |
| Systems and methods are provided that allow for a portable electronic device to provide smart menus to a user based on a context of a transaction. Specifically, the method of using a portable electronic device may include opening a near field communication (NFC) channel with a point-of-purchase device and providing a smart menu based on a determined context. The portable electronic device may be configured to determine the context based at least in part upon acquiring sales transaction information for the point-of-purchase device. Additionally, the portable electronic device may be configured to determine the context based at least in part upon acquiring vendor identification information.
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| Internet business transaction processor | 20130124325 | 20130516 |
| Targeted products are offered over a communications network. Product data for a plurality of products from a plurality of distributors for the products is received. Customer data from a plurality of customers comprising personal information about customers is received. Using the data, at least one user-specific product offering from the plurality of products is generated. Automated messages comprising the at least one user-specific product offering to the one or more customers are then sent.
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| Security token for mobile near field communication transactions | 20130124346 | 20130516 |
| Devices, systems, and methods are disclosed which relate to an NFC-enabled security token that is removably coupled to a mobile device. The security token may be provisioned with the information by the mobile device, then decoupled from the mobile device and used to authenticate the user or perform a transaction at a POS terminal equipped with an NFC reader. The security token includes logic for user-controlled restrictions on allowable purchases, such as payment limits, timeouts, vendor identifiers, allowed purchases, and location-based restrictions. The security token is further equipped with “self destruct” security features, such as deactivating itself or erasing any sensitive information upon being unable to contact the mobile device for a specified duration, or being subject to an unauthorized or restricted transaction, until such time... |
| Using an nfc enabled mobile device as a pos terminal | 20130124351 | 20130516 |
| A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
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| System and method for online buying and selling goods and services within the context of social networking | 20130124357 | 20130516 |
| A system and method is provided for online buying and selling goods and services within the context of social networking. The social relation closeness between a buyer and a seller is determined using information from social networking services and a business transaction record database. Trust and credibility between buyers and sellers may be derived from the social relation closeness between them. Therefore, the initial transaction barriers may be lowered. The business relation closeness between a buyer and a seller may be determined and may be used to search for potential buyers and sellers. Furthermore, buyers and sellers may acquire more information from their social and business relations so as to aid the sales decisions and detect frauds. To provide desired privacy and credibility, a seller may... |
| System and method of electronic payment using payee provided transaction identification codes | 20130124364 | 20130516 |
| A computerized method of payment based on short, temporary, transaction ID numbers which protect the security of the payer's (customer's) financial accounts. The payee will first register a source of funds and a payer device with a unique ID (such as a mobile phone and phone number) with the invention's payment server. Then once a payee (merchant) and the payer have agreed on a financial transaction amount, the payee requests a transaction ID from the payment server for that amount. The payment server sends the payee a transaction ID, which the payee then communicates to the payer. The payer in turn relays this transaction ID to the server, which validates the transaction using the payer device. The server then releases funds to the payee. The server... |
| Method for assisting purchase, device and system | 20130124369 | 20130516 |
| In a B-to B transaction performed via a telecommunication network, a supplier can obtain the opportunity of having a new business customer while a buyer can figure out a reasonable price of an item to be purchased, thereby reducing useless sourcing cost. Information indicative of items each buyer purchased in the past is stored correlated with each buyer in a purchase assistance device, which assists each buyer in purchases of items via electronic business transaction from any one of a plurality of suppliers, the items having a specification desired by each buyer. Further, information on similar items having the same specification is stored in the purchase assistance device correlated with the items that each buyer purchased. In response to a question about items a buyer purchased... |
| User interface for an electronic trading system | 20130124387 | 20130516 |
| A user interface for an electronic trading exchange is provided which allows a remote trader to view in real time bid orders, offer orders, and trades for an item, and optionally one or more sources of contextual data. Individual traders place orders on remote client terminals, and this information is routed to a transaction server. The transaction server receives order information from the remote terminals, matches a bid for an item to an offer for an item responsive to the bid corresponding with the offer, and communicates outstanding bid and offer information, and additional information (such as trades and contextual data) back to the client terminals. Each client terminal displays all of the outstanding bids and offers for an item, allowing the trader to view trends... |
| Derivatives trading methods that use a variable order price and a hedge transaction | 20130124388 | 20130516 |
| Systems and methods are provided for executing a hedge transaction in connection with the execution of a derivative product order in which the price of the derivative product is defined by one or more variables. The hedge transaction may be executed at an exchange or match engine that is different from the exchange or match engine executing the derivative product order. The execution of derivative product transaction may be contingent on the existence of an appropriate hedge transaction. Alternatively, a best efforts approach may be used to fill the hedge transaction order after executing the derivative product transaction.
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| Connecting decisions through customer transaction profiles | 20130124393 | 20130516 |
| An apparatus and method for developing financial risk decisions for a customer associated with a number of different financial services/channels are disclosed. A hierarchy of relationships among the financial services/channels is generated. Transactional behaviors of the customer related to each of the financial services/channels is summarized, using one or more analytical approaches executed on the hierarchy of relationships, to generate a customer level transactional behavior summary. A customer profile associated with the customer is generated which includes the transactional behavior summary and aggregated information on recent financial transactions associated with each of the financial services/channels. A score for a risk decision can be generated for one or more specific services/channels, based on the customer profile.
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| Internet package shipping systems and methods | 20130124402 | 20130516 |
| Systems and methods for shipping a package from a package sender to an intended recipient, utilizing Internet communications to place shipping orders, request on demand package pickup, maintain and utilize pre-stored profile information, view shipping history, track orders, etc. A package sender with an Internet-accessible computer accesses an Internet site and associated shipping system operated by a shipping service provider. The package sender enters information required for shipping the package, including shipping options and methods for payment, and the shipment transaction is validated. If the transaction is validated, printer indicia are communicated to the customer's computer, which is enabled to locally print a prepaid label containing special machine-readable as well as human-readable indicia. The shipping service provider acquires the package by drop-off, standard pickup or on... |
| System and method for conducting a transaction at a financial transaction terminal using a mobile device | 20130124410 | 20130516 |
| The systems and methods described herein allow greater access to a banking platform via a mobile device. The customer can initiate a financial transaction using a mobile device, a bank can inform the customer of the nearest financial transaction terminal to perform that service, and the customer can complete that financial transaction at the financial transaction terminal using the mobile device as a user interface. While conventional systems may use a mobile device to transmit payment information at a point of sale terminal of a brick-and-mortar merchant, the embodiments described herein can allow a customer to conduct a transaction at a financial transaction terminal using the mobile device to initiate a transaction at a location away from a financial transaction terminal, to locate the nearest financial... |
| Techniques for automated teller machine (atm) transactions | 20130124411 | 20130516 |
| Techniques for automated transactions are provided. A customer pre-stages a financial transaction with a financial service. Subsequently, the customer visits an ATM and automatically acquires a code from the ATM that is then sent to a mobile transaction service for verification and to identify the staged financial transaction. The ATM interacts with the customer via the mobile device and interacts with the financial service to complete the transaction for the customer at the ATM.
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| Systems and methods for managing permissions for information ownership in the cloud | 20110016536 | 20110120 |
| The present invention relates to a central (root) directory and the synchronization of unique identifiers associated with a payment addresses and permission preferences at different institutions. In a preferred embodiment, each unique identifier associates an account owner's permissions preference for the release of personal identifying information without the need for transaction-by-transaction explicit permissions or blanket implicit permissions. An asset transfer deposit account (for information and/or monetary assets) may be set up as a deposit only account. In this way, the present invention can be effective in eliminating many privacy concerns of account owners and security requirements of an information asset repository.
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| Transactional conflict resolution based on locality | 20110016470 | 20110120 |
| Mechanisms are provided for handling conflicts in a transactional memory system. The mechanisms execute threads in a data processing system in a first conflict resolution mode of operation in which threads execute conflicting transactional blocks speculatively. The mechanisms determine, for a transactional block, if the first conflict resolution mode of operation is to be transitioned to a second conflict resolution mode of operation in which threads accessing conflicting transactional blocks are executed serially and non-speculatively. Moreover, the mechanisms execute a thread that accesses the transactional block using the second conflict resolution mode of operation in response to the determination indicating that the first conflict resolution mode of operation is to be transitioned to the second conflict resolution mode of operation.
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| Data card verification system | 20110016324 | 20110120 |
| A method of verifying a pair of correspondents in electronic transaction, the correspondents each including first and second signature schemes and wherein the first signature scheme is computationally more difficult in signing than verifying and the second signature scheme is computationally more difficult in verifying than signing. The method comprises the step of the first correspondent signing information according to the first signature scheme and transmitting the first signature to the second correspondent, the second correspondent verifying the first signature received from the first correspondent, wherein the verification is performed according to the first signature scheme. The second correspondent then signs information according to the second signature scheme and transmits the second signature to the first correspondent, the first correspondent verifies the second signature received from... |
| Techniques for securing supply chain electronic transactions | 20110016318 | 20110120 |
| 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. The hub repository may also maintain a log of all transactions between shippers and receivers to provide an audit trail that may be used to track the progress of goods along a supply chain.
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| Method for performing cache coherency in a computer system | 20110016277 | 20110120 |
| In a computing system, cache coherency is performed by selecting one of a plurality of coherency protocols for a first memory transaction. Each of the plurality of coherency protocols has a unique set of cache states that may be applied to cached data for the first memory transaction. Cache coherency is performed on appropriate caches in the computing system by applying the set of cache states of the selected one of the plurality of coherency protocols.
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| Low-power usb flash card reader using bulk-pipe streaming with uas command re-ordering and channel separation | 20110016267 | 20110120 |
| A flash-card reader improves transmission efficiency by using bulk streaming of multiple pipes. A bulk data-out pipe carries host write data to the card reader and can operate in parallel with a bulk data-in pipe that carries host read data that was read from a flash card attached to the card reader. Status packets do not block data packets since the he status packets are buffered through a separate status pipe, and commands are buffered through a command pipe. Flash data from multiple flash cards are interleaved as separate endpoints that share the bulk data-in pipe. A data in/out streaming state machine controls streaming bulk data through the bulk data-in and data-out pipes, while a status streaming state machine controls streaming status packets through the status... |
| Brokerage transaction server and method using encapsulated messages | 20110016221 | 20110120 |
| Brokerage transactions servers and related methods are provided having low latency. In a first embodiment of the invention there is provided a method of processing exchange transaction information for exchange brokerage purposes in an inbound digital message stream in a first protocol dialect. One embodiment utilizes canonical FIX messages for processing purposes. A related embodiment includes, for each message in the stream, storing in memory each successive change made to the message and any metadata created by the foregoing processes; and in an encapsulation process, accessing memory and creating an encapsulated version of the message that includes: (i) the message in original form prior to the receiver process, (ii) the metadata, and (iii) each successive change made to the message by any of the foregoing processes.
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| Selective reporting of upstream transaction trace data | 20110016207 | 20110120 |
| Technology for monitoring transactions in a computing environment is disclosed. Execution of a transaction by a first application is monitored by a first software entity executing on a first computing device. Performance data that relates to execution of the transaction by a first application is generated. Execution of the transaction by a second application is monitored by a second software entity. The transaction is executed by the second application based on a request from the first application. A determination is made, based on the monitoring, that the first software entity should report the performance data to a third software entity that executes on a second computing device. Based on determining that the first software entity should report the performance data, data is propagated that indicates that... |
| Providing services from a remote computer system to a user station over a communications network | 20110016193 | 20110120 |
| Methods, systems, and computer program products for providing services from a remote computer system to a user station over a communications network, including automated identification of users. During a first communication session between a user station and a remote computer system, the user station provides first user identification information to the remote computer system. The remote computer system uses the first user identification information in transaction during the first communication session. The remote computer system also stores at least a portion of the first user identification information. The remote computer system also provides second user identification information to the user station, which is stored at the user station. The remote computer system also generates an association between the stored first user identification information and the second... |
| Providing services from a remote computer system to a user station over a communications network | 20110016192 | 20110120 |
| Methods, systems, and computer program products for providing services from a remote computer system to a user station over a communications network, including automated identification of users. During a first communication session between a user station and a remote computer system, the user station provides first user identification information to the remote computer system. The remote computer system uses the first user identification information in transaction during the first communication session. The remote computer system also stores at least a portion of the first user identification information. The remote computer system also provides second user identification information to the user station, which is stored at the user station. The remote computer system also generates an association between the stored first user identification information and the second... |
| Transaction history with bounded operation sequences | 20110016094 | 20110120 |
| A technique for maintaining a transaction history is described. This transaction history includes a sequence of commands or operations in an electronic-design-automation (EDA) environment. For subsets of one or more operations in the sequence of operations, the transaction history includes an associated transaction name, as well as a state of the of the subset, which is open after an initial EDA operation in the subset has been performed and is closed after a last EDA operation in the subset has been performed. This transaction history can be displayed in a window in a graphical user interface, and facilitates undoing and/or rolling back of changes to the data associated with one or more subsets. For example, if an error is detected, roll back of one or more... |
| Signature based negative list for off line payment device validation | 20110016054 | 20110120 |
| At each of a plurality of transit readers of a transit system, for each of a plurality of riders, where each rider seeks to conduct an access transaction with the transit system for access into the transit facility by using a payment device issued by an issuer in a payment system, data is read from the payment device. The data includes an encryption code that uniquely corresponds to the payment device and was created by the issuer using one or more encryption keys and a predetermined algorithm. A check will be performed, remotely and/or locally, of one or more lists of other encryption codes to determine if the encryption code is on the list. On the basis of whether the encryption code is on the list,... |
| Financial transaction system | 20110016053 | 20110120 |
| A system and method for conducting a financial transaction is disclosed. The system includes a first memory location embedded in a personal portable device. The first memory location stores a plurality of personal financial data files associated with a user. The system also includes a second memory location to store biometric information and a first input interface to receive authentication information after initiation of a purchase transaction session. The system also includes a security module including an input coupled to the first interface to authenticate the authentication information based on the biometric information and an output interface comprising an input coupled to the first memory location and an output to provide personal financial data file information to a host device.
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| Event tracking and velocity fraud rules for financial transactions | 20110016052 | 20110120 |
| A fraud rule can be applied to a transaction according to a first authorization parameter. The transaction is passed to a filtering rule which is applied to the transaction according to a second authorization parameter. The filtering rule can approve the transaction for processing or pass the transaction on to a third party analysis. The fraud and filtering rules can apply the same analysis to the transaction with the exception of the authorization parameters. The fraud rule and filtering rules can analyze historical attributes of a consumer account.
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| Intelligent authentication | 20110016051 | 20110120 |
| Systems and methods for intelligently authenticating payment transactions are disclosed. A user initiates a payment transaction to purchases goods or services from a merchant. The merchant sends a payment initiation request to a server computer in communication with a payment processing network and an issuer. The server computer queries various databases to determine one or more available communication channels that may be used as authentication channels by the issuer. The server computer also determines one or more communication channels, available for use by a mobile device of the user, that may be used as authentication channels to authenticate the payment transaction. The user is provided with a list of available/eligible authentication channels. User selects one of the authentication channels and the issuer is notified of the... |
| System and method for verification, authentication, and notification of transactions | 20110016050 | 20110120 |
| A system and method for verifying, authenticating, and providing notification of a transaction, such as a commercial or financial transaction, with and/or to at least one party identified as engaging in the transaction and/or identified as having a potential interest in the transaction or type of transaction, are provided. A central system accepts information regarding a transaction, including information about at least one party identified as engaging in the transaction, such as by a credit account number or Social Security number or merchant account number, and/or identified as having a potential interest in the transaction. Based on the information regarding the transaction and any supplemental information the central system determines, the central system communicates with and/or to at least one party and/or additional or alternative parties,... |
| Account risk management and authorization system for preventing unauthorized usage of accounts | 20110016049 | 20110120 |
| The invention provides a system for maintaining approval criteria of one or more accounts as determined by an account holder, said system including a server capable of maintaining the approval criteria of an account over its lifecycle, a server capable of determining whether a transaction against an account is permissible based on a set of account holder selected approval criteria, an interface accessible over a local or wide area network configured to permit an issuer system to request permission to proceed with its own authorization processing upon receipt of an authorization request against an account, an interface accessible over a local or wide area network configured to permit an account holder or an authorized account operator to instruct the server to allow or disallow transactions based... |
| Financial transaction system, automated teller machine (atm), and method for operating an atm | 20110016047 | 20110120 |
| A financial transaction system is provided. The financial transaction system includes a server and at least one automated teller machine (ATM). In response to a request from a user, the server issues a one-time password (OTP) to the user's mobile device. The ATM receives an OTP from the user and sends the received OTP to the server for verification, in order to perform a financial transaction operation.
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| Cash-deposit device, method, and system | 20110016046 | 20110120 |
| A system, device, and method for performing a cash transaction using a cash transaction system is disclosed. The cash transaction system comprises an automated cash receiving and storing machine and a remote database designed to communicate with the automated cash receiving and storing machine via Internet. The automated cash receiving and storing machine includes an outer housing, a computerized means, a user-interface touch screen panel, a cash-verifying means and a receipt generating means for generating the receipt of a cash transaction. The cash transaction system utilizes a software means programmed on the computerized means to enable a user to deposit cash in the automated cash receiving and storing machine and to transfer at least one portion of the cash to at least one remote account without... |
| System and method for pricing of merchant accounts | 20110016045 | 20110120 |
| A system for managing merchant payment transaction processing accounts is provided. The system includes a merchant initialization system that receives merchant account data from a user, such as to provide a quote to the merchant for payment processing. A transaction pricing system receives the merchant account data and provides transaction pricing data for payment transaction processing in response to the merchant account information. User access to one or more merchant account pricing algorithms that are used generate the merchant account pricing data in response to the merchant account data is restricted to a predetermined set of users, so as to prevent unauthorized users from obtaining access to the merchant account pricing algorithms.
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| Account transaction value added tax reimbursement | 20110016043 | 20110120 |
| Transaction data is received and stored for purchases on accounts with authorization request requests for payment, where the currency of the purchase and the account are different. For each authorized transaction, clearing and settlement is facilitated as well as VAT reimbursement requests from different government entities. For each received VAT reimbursement request, it is determined whether the account is in a VAT reimbursement database, and if so then it is determined whether the data from the transaction is in a VAT reimbursement transactions database, and if so, then clearing and settlement of a VAT reimbursement payment is faciliated between the account and the corresponding government entity.
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| Triggering fraud rules for financial transactions | 20110016041 | 20110120 |
| Embodiments of the invention provide a method to process a transaction. At least one risk factor associated with a consumer account can be triggered by the transaction. The risk factor intersects the transaction with an associated fraud rule, which is in turn applied to the transaction. Risk factors can be customized by an issuer using a user interface.
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| Providing services from a remote computer system to a user station over a communications network | 20110016013 | 20110120 |
| Methods, systems, and computer program products for providing services from a remote computer system to a user station over a communications network, including automated identification of users. During a first communication session between a user station and a remote computer system, the user station provides first user identification information to the remote computer system. The remote computer system uses the first user identification information in transaction during the first communication session. The remote computer system also stores at least a portion of the first user identification information. The remote computer system also provides second user identification information to the user station, which is stored at the user station. The remote computer system also generates an association between the stored first user identification information and the second... |
| Electronic registration systems for processing variable or multiple return/warranty policies, and associated methods | 20110016008 | 20110120 |
| The exemplary embodiments described herein relate to the field of electronic registration (ER) of purchased products and, more particularly, to an improved electronic registration system that enables variable or multiple return/warranty policies to be processed. In certain exemplary embodiments, at least some transaction information corresponding to an originally purchased product is selectively provided to replacement products provided as a part of a return/warranty request. Thus, it is possible in certain exemplary embodiments to make sure that a return/warranty policy's terms and/or conditions are managed consistently and effectively, even though one or more replacement products may be provided during the lifetime of the policy. In an example variable policy, no refunds are available past a first time period, no exchanges are available past a second time period,... |
| Method and apparatus for management of electronic receipts on portable devices | 20110016007 | 20110120 |
| A system for managing electronic receipts is provided. According to one aspect, the system includes a portable device, a base device, a user device and an electronic receipts administration system. The electronic receipts administration system provides the base device with the appropriate data to allow the base device to generate, store and manage electronic receipts accordingly. A user uses the portable device to conduct a transaction with the base device. The base device uses a variety of information to generate an electronic receipt for the transaction. Such information includes, for example, information stored on the portable device, information stored locally on the base device and information stored on another device such as an electronic cash register. The electronic receipt is then stored on the portable device.... |
| Article sales data processing apparatus and sales data editing method | 20110015986 | 20110120 |
| According to one embodiment, an article sales data processing apparatus includes a list display control unit, a selection unit, an editing acceptance unit, and an update unit. The list display control unit causes a list of articles sold in one transaction to be displayed in the details area. The selection unit accepts selection of an article, of the articles displayed in the details area. The editing acceptance unit causes the display unit to display an editing screen for the sales data of the article selected by the selection unit, and accepts editing of the sales data. When the sales data displayed in the editing screen is edited, the update unit updates the sales data of the article selected by the selection unit, of the sales data... |
| Systems and methods to incentivize transactions to enhance social goodness | 20110015981 | 20110120 |
| Systems and methods to incentivize transactions to enhance social goodness are described. The system receives a request for a badge representing social goodness of a user of a first network entity. The request includes a user identifier that identifies the user. The system generates the badge based on a social goodness index for the user. The social goodness index may be based on at least one social goodness criteria that is selected from social goodness criterion by the user and transaction information for transactions of items that are transacted by the user on the first network entity. The social goodness index provides a measurement of the social goodness of the user in relation to other users of the first network entity. The system communicates the badge... |
| System and method for financing commercial transactions | 20110015974 | 20110120 |
| A method for financing a commercial transaction between a supplier and a buyer, including engaging a buyer receiving goods or services under terms of trade credit from a supplier of goods or services, the trade credit permitting payment for the goods or services at a future date, the buyer neutralizing a trade risk associated with paying for the goods and services; engaging a financial institution to provide capital against a commitment of the buyer to effect the payment at a future date; transferring a portion of the capital to the supplier in advance of the future date, the portion satisfying consideration for the supply of the goods or services; and distributing to the buyer a fee lower than the difference between the capital and the portion.
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| Automated media and content reporting system for broadcast media | 20110015968 | 20110120 |
| A reporting system for transmission broadcast media automatically monitors content distribution by media outlets and their delivery model, and identifies content and locates corresponding royalty arrangements and rights holders. Accordingly, royalty transactions can be minimized as superior rights holders can be directly compensated based on distribution models, private royalty agreements and statutory considerations. IN some embodiments superior rights holders such as a publisher can be compensated directly forgoing compensating intermediaries or inferior rights holders or performing rights organizations. Thus, the disclosed arrangements can calculate compensation amounts superior rights holder and a deduction amount for the compensation due to the inferior rights holder. Payment instructions for the payment amount to the superior rights holder are accordingly issued, and the payment instructions are reported to the inferior rights... |
| System and method for exchanging loyalty points for acquisitions | 20110015955 | 20110120 |
| Systems and methods are provided for facilitating an acquisition from a merchant, whereby payment for the acquisition is made at least partially through automated redemption of loyalty points from a loyalty account. In particular, information is received at a loyalty point exchange system from the merchant. The information may include loyalty data indicating that the acquisition was paid for using a transaction card account that is to be reimbursed using loyalty points from the loyalty account. The loyalty account is debited by an amount equal to a currency value of the acquisition and the transaction card account is credited the amount charged for the acquisition. Loyalty points may, alternatively, be used to directly pay for purchases without the steps of charging and crediting a transaction card.
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| Verification of software application authenticity | 20090328207 | 20091231 |
| Various techniques are provided for verifying the authenticity of software applications. Such techniques are particularly useful for verifying the authenticity of software applications used in online transactions involving users, payment service providers, and/or merchants. In one example, a set of application identifiers associated with a plurality of authenticated software applications are maintained and a verification request is received comprising an application identifier associated with an unverified software application. A token is generated in response to the verification request if the application identifier is in the set of application identifiers. The generated token is passed to the unverified software application. A user token is received and processed to determine whether the unverified software application is one of the authenticated software applications. A verification request is sent based... |
| System and method for enhanced security of ip transactions | 20090328184 | 20091231 |
| A transaction routing system is described. The system includes a communication gateway linked to at least one transaction terminal and at least one host server. The communication gateway determines whether to perform an authentication procedure during a call session. Based on a result of the authentication procedure, at least one proceeding step is determined. A method for ensuring enhanced security during transaction routing is also provided.
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| Eap based capability negotiation and facilitation for tunneling eap methods | 20090328147 | 20091231 |
| Capability negotiation during a PEAP transaction between two end points in a network is performed by initiating EAP capability negotiation methods. A first end point that desires to use a specific capability during a PEAP transaction initiates capability negotiation method requesting the specific capability. Upon receiving the request for the specific capability, a second end point performs the desired capability if an outer method employed in the PEAP transaction supports the specific capability. If the outer method does not support the desired capability, the receiver responds to the first end point with a negative acknowledgment. In other embodiments, if the outer method does not support the desired capability, the desired capability may still be performed if it is supported by an inner method. In such instances,... |
| Infrastructure of data summarization including light programs and helper steps | 20090328043 | 20091231 |
| A method of summarizing data includes providing a multi-method summarization program including instructions for summarizing data for a transaction processing system. At least one functional aspect of the transaction processing system for which a summarization of a subset of the data is desired is determined. The functional subset to a user as a light summarization program is exposed. The dependencies of the functional subset can be enforced at runtime allowing packaging flexibility. A method for efficient parallel processing involving not necessarily filled requests for help.
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| Detecting race conditions with a software transactional memory system | 20090328019 | 20091231 |
| A dynamic race detection system is provided that detects race conditions in code that executes concurrently in a computer system. The dynamic race detection system uses a modified software transactional memory (STM) system to detect race conditions. A compiler converts portions of the code that are not configured to operate with the STM system into pseudo STM code that operates with the STM system. The dynamic race detection system detects race conditions in response to either a pseudo STM transaction in the pseudo STM code failing to validate when executed or an actual STM transaction failing to validate when executed because of conflict with a concurrent pseudo STM transaction.
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| Optimizing primitives in software transactional memory | 20090328018 | 20091231 |
| A compiler is provided that determines when the use of software transactional memory (STM) primitives may be optimized with respect to a set of collectively dominating STM primitives. The compiler analysis coordinates the use of variables containing possible shadow copy pointers to allow the analysis to be performed for both direct write and buffered write STM systems. The coordination of the variables containing the possible shadow copy pointers ensures that the results of STM primitives are properly reused. The compiler analysis identifies memory accesses where STM primitives may be eliminated, combined, or substituted for lower overhead STM primitives.
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| Method of handling transaction in a service oriented architecture environment | 20090327806 | 20091231 |
| A method of handling transactions in a plurality of organization embracing Service Oriented Architecture (SOA) is disclosed. The method includes invoking the transaction when at least one application registers for the transaction, by recognizing one or more services associated to the registered transaction context. The method also includes identifying one or more operations which needs to be initiated for executing each of the respective service. The method further includes revoking the transaction when an error is encountered during the transaction. The process of revoking the transaction includes rolling back the executed operations of the respective services when at least one of the identified operations of the recognized services encounters an error during the transaction.
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| Method and system for transformation of logical data objects for storage | 20090327751 | 20091231 |
| A method and system for encrypting a plaintext logical data object for storage in a storage device operable with at least one storage protocol, creating, reading, writing, optimization and restoring thereof. Encrypting the plaintext logical data object comprises creating in the storage device an encrypted logical data object comprising a header and one or more allocated encrypted sections with predefined size; encrypting one or more sequentially obtained chunks of plaintext data corresponding to the plaintext logical data object thus giving rise to the encrypted data chunks; and sequentially accommodating the processed data chunks into said encrypted sections in accordance with an order said chunks received, wherein said encrypted sections serve as atomic elements of encryption/decryption operations during input/output transactions on the logical data object.
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| Generating multiple address space identifiers per virtual machine to switch between protected micro-contexts | 20090327648 | 20091231 |
| Embodiments of an invention for generating multiple address space identifiers per virtual machine to switch between protected micro-contexts are disclosed. In one embodiment, an apparatus includes privileged mode logic, an interface, and memory management logic. The privileged mode logic is to transfer control of the processor among a plurality of virtual machines. The interface is to perform a transaction to fetch information from a memory. The memory management logic is to translate an untranslated address to a memory address. The memory management logic includes a storage location, a series of translation stages, determination logic, and a translation lookaside buffer. The storage location is to store an address of a data structure for the first translation stage. Each of the translation stages includes translation logic to find... |
| Memory management unit directed access to system interfaces | 20090327647 | 20091231 |
| A memory management unit (MMU) for servicing transaction requests from one or more processor threads is described. The MMU can include a translation lookaside buffer (TLB). The TLB can include a storage module and a logic circuit. The storage module can store a bit indicating one of a plurality of interfaces. The bit can be associated with a physical address range. The logic circuit can route a physical address within the physical address range to the one of the plurality of interfaces.
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| Compressed transactional locks in object headers | 20090327636 | 20091231 |
| A software transactional memory system is provided that generates and stores compressed transactional locks in a portion of object headers. The software transactional memory system allocates preferred write log memory with a predefined size of memory that corresponds to a number of bits in the compressed transactional locks. The compressed transactional locks identify write log entries in corresponding write logs in the preferred write log memory. If the preferred write log memory becomes full, additional write log memory is allocated for write log entries and subsequent transactional locks are stored uncompressed in an auxiliary memory. A pointer that may be used to locate the uncompressed transactional lock is stored in the header. If an object header with a compressed transactional lock is needed for another use,... |
| Snoop filtering mechanism | 20090327616 | 20091231 |
| A system and method for selectively transmitting probe commands and reducing network traffic. Directory entries are maintained to filter probe command and response traffic for certain coherent transactions. Rather than storing directory entries in a dedicated directory storage, directory entries may be stored in designated locations of a shared cache memory subsystem, such as an L3 cache. Directory entries are stored within the shared cache memory subsystem to provide indications of lines (or blocks) that may be cached in exclusive-modified, owned, shared, shared-one, or invalid coherency states. The absence of a directory entry for a particular line may imply that the line is not cached anywhere in a computing system.
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| Table journaling in flash storage devices | 20090327589 | 20091231 |
| A method of table journaling in a flash storage device comprising a volatile memory and a plurality of non-volatile data blocks is provided. The method comprises the steps of creating a first copy in a first one or more of the plurality of non-volatile data blocks of an addressing table stored in the volatile memory, writing transaction log data to a second one or more of the plurality of non-volatile data blocks, and updating the first copy of the addressing table based on changes to the addressing table stored in the volatile memory after the second one or more of the plurality of non-volatile data blocks have been filled with transaction log data.
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| Systems and methods for processing electronically transmitted healthcare related transactions | 20090327363 | 20091231 |
| Systems and methods for the processing, modifying, and/or performance of a clinical, administrative and/or financial “value-add” service to an electronic healthcare related transaction from a healthcare provider to a third party such as a pharmacy. A prescription switch provider receives an incoming transaction from a healthcare provider system. The switch provider may then parse the transaction to review or modify data contained in the transaction and/or perform a value-add service or function based on the data contained in the transaction. Alternatively, the switch provider may copy the transaction for parallel processing. The transaction may be forwarded to a third party system, and a response message from the switch provider or the third party may be transmitted to the healthcare provider system pertaining to the modified transaction... |
| Primitives for software transactional memory | 20090327291 | 20091231 |
| Software transactional memory (STM) primitives are provided that allow the results of prior open calls to be used by subsequent open calls either as-is or through another STM primitive that consumes the results of the previous invocation. The STM primitives are configured to ensure that the address of a shadow copy representing a memory location will not changed across a wide range of operations and thereby enable re-use of the shadow copy.
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| Connectivity in a peer network | 20090327187 | 20091231 |
| Improving connectivity in a peer-to-peer (P2P) network involves packet forwarding by infrastructure or peers. A system can achieve full connectivity and a setup for transactions that takes a fraction of a second. The system can include a routing table that is initially configured so that packets to peers are routed via the infrastructure. NAT traversal heuristics can be employed to establish direct connections between peers in parallel with packet forwarding in accordance with the routing table. When a direct connection is ready, the routing table can be updated so that packets are sent P2P. If a direct connection cannot be made, the routing table can be updated so that the packets are sent through a peer intermediary without going through the infrastructure.
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| Systems and methods for visual representation of offers | 20090327151 | 20091231 |
| A method and system for providing geographic location notifications for targeted offers is disclosed. One embodiment of the invention is directed to a method including monitoring for an event to trigger a targeted offer. Upon detection of the event, the offer is generated. The offer is targeted to a consumer and is generated using payment data generated in response to transactions conducted by the consumer with a plurality of different merchants. A geographic location for redeeming the offer is determined. A notification message is generated about the offer. The notification message includes the offer and the geographic location for redeeming the offer. The notification message is sent to a notification device which is operated by the consumer. A graphical depiction of the offer is displayed on... |
| System for executing remote electronic notarization and signatory verification and authentication | 20090327144 | 20091231 |
| A system for remote electronic verification and authentication and screening of potential signatories for remote electronic notary transactions via remote pc encrypted platform to a broadband digitally or WIFI cellular/PDA device or portable pc device. The system implements the following electronic components, but not limited to, electronic signature device, digital certificates, electronic document, electronic biometric devices, electronic audio/visual software/hardware, and electronic payment systems and devices, all electronically synchronized to afford capable notary publics in executing remote electronic notary transactions via a satellite kiosk network or on-line virtual kiosk application.
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| Payment system and method | 20090327145 | 20091231 |
| A card terminal having means for entering transaction value information indicative of a first amount, means for entering data indicative of an additional amount, means for storing the transaction value information and the data indicative of the additional amount, and means for creating a message for electronic transmission, the message including data indicative of the first amount in association with data indicative of a first recipient, and data indicative of the additional amount in association with data indicative of a second recipient.
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| System and method for secure online transaction | 20090327140 | 20091231 |
| Methods and systems for secure electronic commerce (eCommerce) transactions having one or more trusted payment hosts where consumers/buyers can register credit card information and/or any payment card information and the corresponding secret keys for the credit card or payment card with the one or more payment hosts are provided. Embodiments of the invention include a method of engaging a purchase order in an online electronic transaction on the spot, where a seller posts and advertises at least one online electronic link embedded in a web-page or in an e-mail provided by a server.
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| Securing online transactions | 20090327138 | 20091231 |
| Disclosed herein is a method and system that addresses the need of securing an online transaction of a consumer. The user is provided with a client application on a mobile device. The user registers the mobile device on a transaction server. The user inputs transaction details for the online transaction on a web portal hosted on the transaction server. The transaction server creates a challenge to the user on a confirmation page to confirm the online transaction. The challenge comprises a challenge code and a transaction confirmation image. The graphical image and the transaction details are computationally inseparable in real time. The user conveys the challenge to the mobile device by inputting the challenge code in the client application. The client application generates a response for... |
| Method for a unique certification process for the delivery of goods | 20090327136 | 20091231 |
| A method for a secure delivery of physical goods, involving associating a good unique identifier (GUID) to a package comprising the physical goods requested by a client, obtaining proof of identity parameters from a client associated with the transaction involving the physical goods before the delivery of the physical goods, where the proof of identity parameters are provided to the client by a trusted authority, computing a function using the proof of identity parameters, the GUID, and a certification key, wherein the certification key is computed by the trusted authority, delivering the physical goods to the client, when the result of the function is positive, certifying the delivery when delivery data obtained during the delivery of the physical goods match the proof of identity parameters, the... |
| Systems and methods for geographic location notifications of payment transactions | 20090327134 | 20091231 |
| A method and system for providing geographic location notifications of payment transactions is disclosed. One embodiment of the invention is directed to a method including receiving an authorization request message associated with a transaction, the transaction associated with a portable consumer device and an access device at a merchant. A geographic location of the transaction is determined. It is determined whether a notification message indicating that the transaction is occurring is required. Upon determining that the notification message is required, the notification message is sent to a notification device operated by a consumer and the notification device receives the notification message substantially simultaneously with the merchant's receipt of an authorization response message. A graphical depiction of the notification message is displayed on a map on the... |
| Secure mechanism and system for processing financial transactions | 20090327133 | 20091231 |
| A system for secure processing payment transactions between merchants and customers, via financial institutions, the system comprising apparatus for generating global transaction identifiers each of which is recognized by the merchants as a transaction ID and by the financial institutions as a fundable entity, and methods useful in conjunction therewith.
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| Incremental factorization-based smoothing of sparse multi-dimensional risk tables | 20090327132 | 20091231 |
| A system for classifying a transaction as fraudulent includes a training component and a scoring component. The training component acts on historical data and also includes a multi-dimensional risk table component comprising one or more multidimensional risk tables each of which approximates an initial risk value for a substantially empty cell in a risk table based upon risk values in cells related to the substantially empty cell. The scoring component produces a score, based in part, on the risk tables associated with groupings of variables having values determined by the training component. The scoring component includes a statistical model that produces an output and wherein the transaction is classified as fraudulent when the output is above a selected threshold value.
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| System and method for managing allocation of funds between a plurality of entities | 20090327128 | 20091231 |
| Embodiments of the present invention provide a system and method for managing allocation of funds between a plurality of entities. In example embodiments, details of a remuneration to the plurality of entities are received. The remuneration relates to at least one transaction. Funds associated with the remuneration are allocated among the plurality of entities to be remunerated based on at least a portion the details of the remuneration.
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| Altering card-issuer interchange categories | 20090327124 | 20091231 |
| This document describes tools capable of determining ways in which to alter interchange categories assigned to credit-card transactions. In some embodiments, the tools receive parameters for interchange categories and transaction information for merchants that have been charged interchange fees based on some of these categories. The tools may determine, based on these parameters and transaction information, how parameters may be changed to enable similar credit-card transactions to be assigned a lower-cost interchange category and the accompanying potential fee savings.
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| Systems and methods for secure pin-based transactions via a host based pin pad | 20090327114 | 20091231 |
| A method and system for securely verifying over an open network a transaction using a payment card requiring authorization, such as a PIN, to be used. The system utilizes a secure host system to establish two lines of communication between a merchant and a consumer device used by an individual using the payment card. The secure host system provides a verification interface that is presented to the consumer device, providing a means for the individual to provide verification information. The secure host system receives verification information from the consumer device, couples the verification information with card information supplied by a merchant for verification from a third party payment provider. The transaction service provider verifies the transaction without sending the cardholder's actual PIN over the open network.
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| Method and system for detailed accounting of packet data | 20090327113 | 20091231 |
| A method and apparatus for detailed accounting of packet data are disclosed. According to one embodiment of the present invention, on receiving a duplicated HTTP request from a packet duplication apparatus, a billing apparatus extracts an access address to generate a first hash value. Then, on receiving a converted HTTP response from the packet duplication apparatus, the billing apparatus extracts a second hash value from the duplicated HTTP response to compare with the first hash value. If the first hash value and the second hash value are the same, the billing apparatus sets the HTTP REQUEST and the converted HTTP response as a transaction to generate billing data. Thus, the billing apparatus can generate accurate billing data.
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| Method and system for managing electronic bills | 20090327110 | 20091231 |
| A method and system for managing electronic bills in an electronic device are provided. The method includes defining keywords of a short message; receiving the short message on the electronic device; determining whether the short message relates to the electronic bill; and extracting transaction data of the short message and generating a transaction record accordingly in response to a determination of the electronic bill.
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| Mobile subscriber device for financial transaction tokens | 20080314971 | 20081225 |
| There is provided a mobile subscriber unit for a financial transaction token. The subscriber unit interfaces with a financial token or card that is in communication with the subscriber unit. The financial token or card has an onboard energy source so that the card token may operate away from proximity to a merchant terminal (e.g.; a POS terminal). In one implementation, the onboard power storage device includes a rechargeable battery or capacitor such as a thin-film capacitor that stores sufficient energy to power the subscriber unit's onboard electronics and/or the electronics of a financial token in communication with the subscriber unit. The subscriber unit may be a component of another consumer device such as a computing device, communications device, an item of clothing, an item of... |
| Card with embedded bistable display having short and long term information | 20080314976 | 20081225 |
| A transaction card system includes a transaction cared with a display tag for displaying short term information, the character display having optical states that are stable without power and viewable from one side of the display tag and an array of electrical contacts for electrically addressing the character display from the other side of the tag, a contact window through which the contacts are accessible, machine readable data on the card, and long term information printed on the transaction card; a transaction card writer having a reader for reading the machine readable data and having means for updating the short term information displayed on the transaction card; and a central computer connected to the transaction card writer having a data base and a central processor for... |
| Method, system, and computer program product for customer-level data verification | 20080314977 | 20081225 |
| 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 postal address as well as transaction account data and/or financial transaction instrument data. Then a customer is determined from a first customer record associated with the transaction account data and/or financial transaction instrument data. A record search is performed to identify at least one additional customer record associated with the customer. Finally, the postal address is compared to the information contained in the additional record to create a comparison result that verifies the submitted postal address. The comparison result may be used as an input to transaction risk calculations. The comparison result may also be provided... |
| Card with embedded bistable display having short and long term information | 20080314983 | 20081225 |
| A transaction card system includes a transaction cared with a display tag for displaying short term information, the character display having optical states that are stable without power and viewable from one side of the display tag and an array of electrical contacts for electrically addressing the character display from the other side of the tag, a contact window through which the contacts are accessible, machine readable data on the card, and long term information printed on the transaction card; a transaction card writer having a reader for reading the machine readable data and having means for updating the short term information displayed on the transaction card; and a central computer connected to the transaction card writer having a data base and a central processor for... |
| Appliance for financial transaction tokens | 20080314994 | 20081225 |
| There is provided an accessory device for a financial transaction token. The accessory has an onboard power storage device that enables a financial token or card that is in communication with the accessory to operate when the card or token is not in the proximity of a merchant terminal (e.g.; a POS terminal). In one implementation, the onboard power storage device includes a rechargeable battery or capacitor such as a thin-film capacitor that stores sufficient energy to power the accessory's onboard electronics and/or the electronics of a financial token in communication with the accessory. The accessory may be a subcomponent of another consumer device such as a computing device, communications device, an item of clothing, an item of jewelry, a cell phone, a PDA, an identification... |
| Metal-containing transaction card and method of making same | 20080314995 | 20081225 |
| A method of making a transaction card comprising cutting a first sheet of metal to create a card body, cutting a second sheet of metal to create a back panel, applying an adhesive to said back panel and bonding said back panel to said card body.
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| Methods and system for highly ordered transaction processing | 20080317051 | 20081225 |
| Improved techniques are disclosed for processing transactions or requests in a data processing system. For example, a method for processing requests in a system including a plurality of nodes includes the following steps. At least two nodes of the plurality of nodes receive a plurality of requests. The two nodes exchange information to determine an order for processing requests. The two nodes process the requests in accordance with the order. The order may include a total order or a partial order.
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| System and method for encrypting interactive voice response application information | 20080317220 | 20081225 |
| Encrypting sensitive information sent using an interactive voice response (IVR) system. The systems and methods may include an HSM that provides a secure platform to encrypt the sensitive information. They may also include interfaces with IVR systems and transaction processing hosts. The systems and methods may interact directly with a customer using an IVR to receive the sensitive information. They may also provide for a secure platform to validate the strength of the information, such as a PIN or password, prior to further processing of the sensitive information.
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| Device, system and method of generating a hardware-verification test case | 20080319729 | 20081225 |
| Some demonstrative embodiments of this invention may include, for example, devices, systems and methods of performing functional verification of a hardware design. In some demonstrative embodiments, a test generator may include a transaction generator to automatically generate a plurality of manipulated transactions by manipulating one or more test case transactions resulting from a constraint-satisfaction-problem. Other embodiments are described and claimed.
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| Selective data feed distribution architecture | 20080319771 | 20081225 |
| An architecture for providing data feeds to clients in a service-based platform environment is provided where the platform stores an immense amount of data regarding transactions occurring on the platform. In one aspect, the platform operates in a partner context such that partners are clients to the platform service, and the partner exposes the service to its own customers as well. In this regard, data feeds can be transmitted as local copies to the partner from the service to facilitate customized viewing and analyzing of the data beyond that offered by the service platform. To this end, the partner can created custom applications and services that provide access to the data for customers and the partner itself. This mitigates service-side processing of requests for data by... |
| Business transaction issue manager | 20080319777 | 20081225 |
| A plurality of business transactions associated with a user may be determined based on a role of the user, wherein each business transaction includes business data associated with the business transaction. A user-defined issue based on the plurality of business transactions may be received, the user-defined issue including at least one of an issue-type, one or more issue-definitions based on the business data, and one or more priorities associated with the one or more issue-definitions. One or more business transactions of the plurality of business transactions in which the business data of each of the one or more business transactions corresponds to one or more of the issue-definitions may be determined. The one or more business transactions may be provided in association with the user-defined issue... |
| Neighborhood bartering in a geo-spatial network | 20080319778 | 20081225 |
| A method, apparatus, and system of neighborhood bartering in a geo-spatial network are disclosed. In one embodiment, a method includes providing a plurality of user profiles, each user profile to include an associated specific geographic location, associating a first user with a first user profile, providing a plurality of item profiles, each item profile associated with a user profile, selecting an item profile from the plurality of item profiles, and generating an item transaction, between the first user profile and a second user profile associated with the selected item profile, based on at least one of the specific geographic location associated with the first user profile and the specific geographic location associated with the second user profile.
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| Warranted retail transaction | 20080319801 | 20081225 |
| A method of providing a warranty coupled with an identity verification system having the steps of verifying the identity of a party, and, if the identity is fraudulent despite the verification, reimbursing the user of the identity verification system for losses due to the fraud. The warranty may also cover other costs and fees associated with the fraud. The warranty may be provided as part of an identity verification system, or identity verification may be a prerequisite for coverage under the warranty. The warranty may be insured to help distribute costs. There may be exceptions, limitations, and deductibles associated with coverage under the warranty.
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| Travel monitoring | 20080319808 | 20081225 |
| A Corporate Travel Management & Cost Consolidation system where each member of the Corporation's Travel Management Team, Corporate Executives and each Corporate Traveler uses a single terminal to view, and analyze Travel and Credit Card information from and to conduct travel and card transactions with two or more GDS, Travel Agency and by Credit Card Companies or other comparable ATDSs, alone or in combination with one or more types of electronic travel and card data. Travel and Credit Card information and processes the transactions are placed into a single integrated format. TravelMaster aggregates travel-booking information from each and every GDS, Travel Agency, and Credit Card Company or other vendors utilized by the corporation, including security, PNR identification, and pricing information. Booked travel and ask prices from... |
| Mining implicit behavior | 20080319827 | 20081225 |
| The claimed subject matter relates to an architecture that can monitor transactions between a content consumer and a user-interface that provides the content. The architecture can also monitor environment variables that relate to a content consumption environment. From one or both of these potential sources, the architecture can identify implicit behavior on the part of the content consumer that relates to the consumption of the content. The implicit behavior can be employed to determine or infer effects of the consumed content, which can supplement, enhance, or replace conventional explicit consumer feedback.
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| Bias reduction using data fusion of household panel data and transaction data | 20080319829 | 20081225 |
| In embodiments of the present invention, a method is described for reducing bias by data fusion of a household panel data and a loyalty card data. In embodiments, a method is provided for receiving a consumer panel dataset in a data fusion facility, receiving a consumer point-of-sale dataset in a data fusion facility, receiving a dimension dataset in a data fusion facility, fusing the datasets received in the data fusion facility into a new panel dataset based at least in part on an encryption key, estimating a consumer behavior using a first model based on the consumer panel dataset, estimating a consumer behavior using a second model based only on those consumers present in both the consumer panel dataset and the consumer point-of-sale dataset, and refining... |
| Reward system and method for online credit and debit card transactions | 20080319838 | 20081225 |
| A reward system and method including a card issuing institution that issues debit or credit cards to cardholders. Each cardholder has a cash back account set up by the institution and a cash back program provided by said institution rewards its cardholders with a predetermined cash value dependent on the cardholder's usage of the credit or debit card used by the cardholder and depositing said cash value in the cardholder's cash back account. The institution provides the identity of at least one supplier and each cardholder has online access to said supplier so that the cardholder can purchase goods or services from the supplier upon accumulation of a predetermined amount of cash in the cardholder's cash back program. The institution provides an online clearing program for... |
| Supply of requested offer based on point-of-service to offeree distance | 20080319843 | 20081225 |
| An automated communication system supplies a requested offer for inventory to an offeree based on the distance between an offeror-merchant to the offeree. A consumer can request an in-person offer for inventory using a consumer device that transmits to a Requested Offer Supplier (ROS) the request, the location of the consumer device to a Requested Offer Supplier (ROS), and a return address. The ROS matches the consumer's request for inventory to a set of merchants having the requested inventory, and that are willing to make an in-person offer for the requested inventory. The ROS transmits the in-person offer to the consumer with the consumer device. The customer may then travel to the offering merchant and enter into a transaction with the merchant for the requested inventory... |
| Reward system and method for online credit and debit card transactions | 20080319854 | 20081225 |
| A reward system and method including a card issuing institution that issues debit or credit cards to cardholders. Each cardholder has a cash back account set up by the institution and a cash back program provided by said institution rewards its cardholders with a predetermined cash value dependent on the cardholder's usage of the credit or debit card used by the cardholder and depositing said cash value in the cardholder's cash back account. The institution provides the identity of at least one supplier and each cardholder has online access to said supplier so that the cardholder can purchase goods or services from the supplier upon accumulation of a predetermined amount of cash in the cardholder's cash back program. The institution provides an online clearing program for... |
| Method and system to hand over an online transaction to a help desk assistant | 20080319866 | 20081225 |
| A method of providing assistance to an end-user of an online software application running from a web server. While the end-user and the web server communicate through at least one data network, during a web session initiated by the end-user from a client software application, the online software application provides a manner of requesting assistance from a help desk on at least one of the web page returned to the client application. When the end-user activates the manner of requesting assistance he/she obtains from the server of the online software application a keyword associated to the web session. End-user further obtains at least one telephone number of the help desk to call. When the end-user is calling the help desk through a telephone network the keyword... |
| Systems and methods for secure and transparent cardless transactions | 20080319869 | 20081225 |
| Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Payment information can be sent directly from a consumer to a non-merchant, thereby allowing no new entities to obtain the payment information. Transaction identifiers can be used to facilitate communications among the entities. The payment information can be sent to the non-merchant via a merchant application with a submit payment button directed to the non-merchant so little or no deviations from standard practices are required.
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| Biometric identification device and methods associated with inventory | 20080319872 | 20081225 |
| The invention is directed towards methods, systems and apparatuses, see FIG. 1, (100) for providing secure and private interactions. The invention provides capability for verifying the identity of a party initiating an electronic interaction with another party through data input module (140) which is verified by the identity verification module (150), which further includes a self-destruct mechanism (153). Embodiments of the invention include secure methods for conducting transactions and for limiting the transfer and distribution of personal data to only those data that are absolutely necessary for the completion of the transactions. The invention facilitates the transfer of additional personal data contingent upon an agreement that appropriately compensates the provider of the personal data.
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| System and method for facilitating value exchanges | 20080319873 | 20081225 |
| A system and method for facilitating a value exchange transaction. A first party initiates the transaction by selecting or providing an identifier of another party and the value to be exchanged. The second party may be identified by a pre-existing identifier such as an electronic mail address, telephone number, etc. The system informs the second party of the transaction (e.g., using the specified pre-existing identifier). If the second party is not a registered user of the system, he or she is invited to register and complete the transaction. The system may comprise a synchronization server for exchanging transaction details with users' devices, a communication server for registering new users and/or conducting transactions online and a financial server for interacting with external financial institutions.
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| System and method for exchanging values based on telephone number of an entity | 20080319874 | 20081225 |
| A system and method for facilitating a value exchange transaction. A first party initiates the transaction by selecting or providing an identifier of another party and the value to be exchanged. The second party may be identified by a pre-existing identifier such as an electronic mail address, telephone number, etc. The system informs the second party of the transaction (e.g., using the specified pre-existing identifier). If the second party is not a registered user of the system, he or she is invited to register and complete the transaction. The system may comprise a synchronization server for exchanging transaction details with users' devices, a communication server for registering new users and/or conducting transactions online and a financial server for interacting with external financial institutions.
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| System and method for facilitating value exchanges using mobile devices | 20080319875 | 20081225 |
| A system and method for facilitating a value exchange transaction. A first party initiates the transaction by selecting or providing an identifier of another party and the value to be exchanged. The second party may be identified by a pre-existing identifier such as an electronic mail address, telephone number, etc. The system informs the second party of the transaction (e.g., using the specified pre-existing identifier). If the second party is not a registered user of the system, he or she is invited to register and complete the transaction. The system may comprise a synchronization server for exchanging transaction details with users' devices, a communication server for registering new users and/or conducting transactions online and a financial server for interacting with external financial institutions.
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| Electronic commerce transaction audit system, electronic commerce transaction audit method, and storage medium recording electronic commerce transaction audit program thereon | 20080319881 | 20081225 |
| The present invention comprises agent for gathering transaction log means for automatically collecting all exchange messages notarized and recorded depressively by a plurality of electronic notarize means in connection with the electronic commerce transaction so as to reproduce them as an event of the entire wide network area, agent for gathering protocol standards means for automatically collecting protocols of the specifications on the electronic commerce transaction, whereby correctly grasping an event to be generated in the entire wide network area, and a log analysis engine for comparing the event of the entire wide network area reproduced by the agent for gathering transaction log means with the event to be generated in the entire wide network area grasped by the agent for gathering protocol standards means, whereby... |
| System and method of enabling an interactive online sales process for electronic real estate transactions | 20080319890 | 20081225 |
| An interactive online sales process is presented for electronic real estate transactions. The process includes initializing a bidding file and instantiating an electronic sale transaction based on the data in the file. Parameters of the sale can be customized by a seller or listing agent. An electronic bid can be generated and populated with input received from a buyer. The electronic bid can include standard and custom conditions. A time limit can be set to acknowledge the electronic bid. The time limit is gradually reduced, and upon expiration of the time limit, the process is suspended if the electronic bid has not been acknowledged. Once the seller acknowledges the bid, the interactive sale transaction can be resumed. An electronic bid can be tagged as being a... |
| System for matching borrowers and lenders | 20080319895 | 20081225 |
| A system and method are disclosed for a borrower to obtain and/or evaluate desired financial services. Personal information from the borrower is obtained and recorded. A credit grading for the borrower is determined based on the personal information, and based on pre-established and objective criteria used by at least one established financial institution that provides financing of the type sought by the borrower. The credit grading is determined by an independent entity (or its computer system) that will not provide the financing to the borrower. The financing may be a loan, such as a mortgage loan or an auto loan or the financing may be the issuance of a credit card or a line of credit. The independent entity may also compile a comparison of closing... |
| Cardless challenge systems and methods | 20080319896 | 20081225 |
| Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Challenge questions may be presented from the non-merchant to the consumer after receiving the payment information, thereby allowing a judicious determination of when to ask such challenge questions and allowing complex and probative questions. The time limit for such challenge questions may advantageously be unconstrained, while still preserving security. Also, a risk analysis may be started prior to the consumer submitting payment information, thus allowing an efficient and complex risk analysis. Information about an access device used by the consumer may be obtained at the non-merchant from the access device with code sent to the access device from the merchant, and the device information may be used in... |
| System and method for electronically exchanging value among distributed entities based on electronic mail addresses | 20080319899 | 20081225 |
| A system and method for facilitating a value exchange transaction. A first party initiates the transaction by selecting or providing an identifier of another party and the value to be exchanged. The second party may be identified by a pre-existing identifier such as an electronic mail address, telephone number, etc. The system informs the second party of the transaction (e.g., using the specified pre-existing identifier). If the second party is not a registered user of the system, he or she is invited to register and complete the transaction. The system may comprise a synchronization server for exchanging transaction details with users' devices, a communication server for registering new users and/or conducting transactions online and a financial server for interacting with external financial institutions.
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| System and method for securing a credit account | 20070295801 | 20071227 |
| A system and method is disclosed for verifying a commercial transaction between a card-holder, a merchant, and a credit card company. The card-holder makes a purchase with the merchant using a full credit card number. The merchant submits a transaction approval request for approval with the credit card company. The credit card company executes conventional credit approval of the transaction approval request, as well as verifies the transaction approval request with the card-holder. An approval is sent to the merchant only after the transaction approval request is both conventionally approved by the credit card company and verified by the card-holder. The card-holder, or the credit card company, may initiate verification of the transaction approval request. The transaction approval request can also be automatically verified if one... |
| Machine for checking all your bank transactions and process them into handheld electronic device | 20070295804 | 20071227 |
| Imagine a machine that allows you to view all bank transactions in addition to giving you the ability to check your balance, make payments, and transfer money into different accounts, in the palm of your hand. All these options are accessible through the said device. The disclosed electronic device has an embodied display screen for viewing account activity as well as merchant information, and any deposits made. It also has primary acquisition alert, in addition to having pin code or finger print recognition.
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| Cash withdrawal from atm via videophone | 20070295805 | 20071227 |
| Apparatus and method for purchasing cash from an ATM. The ATM has a unique identifier visibly located thereon. A customer phone includes a camera and a programmable memory. The camera can be used to capture an image of the ATM's identifier. The memory includes customer account data. A customer uses their phone to establish wireless communication with a transaction host. The customer can transmit to the host a request for cash from the ATM. The request includes the account data and the image. The host can use the account data in payment for the requested cash. The host uses the image to identify the particular ATM associated with the request. After payment, the host causes the identified ATM to dispense the requested cash.
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| Electronic credit card - ecc | 20070295806 | 20071227 |
| Electronic Credit Card (ECC) is an electronic device that enables transmission/reception of data and/or digital information to/from a host computer via a Terminal Station (TS). TS includes Teller Machines in supermarkets/shopping complex, Automatic Teller Machines (ATM), EFTPOS devices and proprietary transceiver devices developed by Creative On-Line Technologies Limited for PC interface. It provides latest financial information including balances on its display unit. Keypads (1) enable PIN (personal identification number) entries so that an ECC is operational. Information Display Unit (2) including an LCD (liquid crystal display) screen or other display screens provides visual information. ENTER key (3) confirms a transaction. It is also used to activate an ECC when a PIN is keyed. Audio Transducer (4) confirms entries made on keypads (1). Audio Transducer is also... |
| Biometric and geographic location system and method of use | 20070295807 | 20071227 |
| Described is a hand-held device having a biometric reader and optional GPS functionality. The device acts as identification of the user. The device transmits the user's biometric data (e.g., fingerprint) to a central database of biometric information for verification of the user. The transmission may be wireless or via a wired or connected configuration. Upon verification, the central database transmits the verification to a participating business requiring the same to complete an immediate user transaction. If the transaction is a purchase, the central database also transmits bank account or credit card information of the user. The GPS functionality allows a user's location to also be verified for transaction requiring such information (e.g., online gaming).
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| Transaction instrument inventory management system and method | 20070295809 | 20071227 |
| A system and method for facilitating inventory management in financial transaction instrument distribution is disclosed. The method may include the steps of: receiving information related to the sale of a first transaction instrument, wherein the first transaction instrument is associated with a second transaction instrument, wherein the first and second transaction instruments comprise a group of transaction instruments, and wherein the information identifies a location of the sale of the first transaction instrument; and associating the location of the sale of the first transaction instrument with the second transaction instrument and/or the group of transaction instruments.
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| Method for using a sensor to register a biometric for use with a transponder-reader system related applications | 20070296544 | 20071227 |
| A method for registering biometric information for use in a transponder-reader system is disclosed. The method includes steps of detecting, verifying and storing a proferred biometric sample. During detecting, a sensor detects a proffered biometric to obtain a biometric sample. During the verifying step, the biometric sample is compared with other stored samples and/or other information. During the storing step, the biometric sample is stored on a database, for use by the transponder-reader system in authorizing transactions.
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| Code based access systems | 20070296546 | 20071227 |
| A system including at least two parts or stations wherein a transaction or connection between any two or more of the parts or stations is conducted or established by means of an access code, the access code being available to an accessed part or station and requiring an identical access code to be provided to an accessing part or station at the time of conducting the transaction or establishing the connection. The system is characterised in that the access code is one of a plurality of codes provided to the accessed part or station and available to the accessing part or station. The system is further characterised in that the access code is selected from the plurality of codes at the time of conducting the transaction... |
| Method of creating security associations in mobile ip networks | 20070297377 | 20071227 |
| A key distribution scheme is provided, which is useful for establishing, distributing, and maintaining security associations in a Mobile IP network. An authentication server performs an initial validation of a new session and generates a root key which it delivers to the initial access gateway and to the home agent. The initial access gateway and the home agent each independently compute a derivative key available only to themselves. The initial access gateway, acting as proxy for the mobile station, uses the derivative key to sign the Mobile IP registration or binding update transactions, and sends the signed registration or binding update to the home agent for validation. Once the session is established between the mobile station and the home agent, the access gateways act as proxies... |
| Local peer-to-peer digital content distribution | 20070297426 | 20071227 |
| Electronic devices such as media players are configured for participation in activities relating to local, peer-to-peer distribution of digital content. In an exemplary distribution transaction, digital content items such as audio files, video files, text files, multimedia files, data files, playlists, and metadata are distributable between a source device and a sink device based on the acts of: identifying digital content item(s); determining the proximity of the source device to the sink device; and if the potential source and sink communication devices are deemed to be in proximity, establishing a peer-to-peer communication session (using a predetermined communication protocol such as Wireless Fidelity (“WiFi”), Bluetooth, or HiperLAN) between the source and sink devices. The digital content item(s) can be asynchronously distributed, via the peer-to-peer communication session, from... |
| Telephone/transaction entry device and system for entering transaction data into databases | 20070297597 | 20071227 |
| Transaction data is entered by the user in response to prompts in a template. The template and entered data are accumulated into data transactions which are exploded and sent to an external database servers for processing and storage. Each database server may explode the data transaction to produce ancillary records which are then stored, and/or forwards the data transaction or some or all of the ancillary records to other database servers for updating other databases associated with those database servers. The database server(s) may also return data streams for use in completing the fields in the data transaction.
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| Multilayer optical film, method of making the same, and transaction card having the same | 20070298271 | 20071227 |
| A multilayer optical film includes alternating layers of first and second optical layers; the first optical layer comprising a first polyester, wherein the first polyester comprises first dicarboxylate monomers and first diol monomers, and from about 0.25 to less than 10 mol % of the first dicarboxylate monomers have pendant ionic groups; the second optical layer comprising a second polyester; and wherein the first and second optical layers have refractive indices along at least one axis that differ by at least 0.04. The multilayer optical film may be a polarizer film, a reflective polarizer film, a diffuse blend reflective polarizer film, a diffuser film, a brightness enhancing film, a turning film, a mirror film, or a combination thereof. The multilayer optical film may also be a... |
| Real-time interactive wagering on event outcomes | 20070298871 | 20071227 |
| Systems and methods for real-time interactive wagering on event outcomes are presented. Clients are first qualified and given wagering limits before being allowed to interactively wager on event outcomes. Event outcomes may be based on, for example, financial markets and indices, sporting and entertainment events, casino games, casino performances, and natural phenomena such as weather and earthquakes. Events on which wagers can be placed include both those with known and unknown outcome probabilities, and wagers can be a fixed-odds type or a spread-bet type. Wager transactions, including acceptances and confirmations, are executed in real time. Clients can customize displays of events on which they are authorized to wager. Real-time client credit management, automatic dealer hedging, automatic price-spread adjustments, and automatic client and dealer defined wagering limits... |
| Products and processes for managing a vending machine transaction | 20070299555 | 20071227 |
| Accordingly to an embodiment, a method includes providing an offer to receive a benefit in lieu of receiving change that is due from a transaction with a vending machine.
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| Communication and interface support system | 20070299688 | 20071227 |
| A system supports, adaptively processing HL7 compatible transaction message data of different HL7 version as well as conversion of transactions between HL7 versions and operational validation of transaction messages. A system for processing HL7 protocol compatible data comprises an interface for establishing a communication link enabling acquisition of HL7 compatible transaction messages. An acquisition processor acquires multiple different HL7 compatible transaction messages including healthcare data using the communication link. An HL7 data processor automatically parses an HL7 compatible transaction message to identify HL7 items indicating type of information conveyed at a location in the transaction message identified in response to a predetermined message location identifier. The HL7 data processor automatically adaptively routes acquired HL7 compatible transaction messages to multiple different storage destinations based on the identified... |
| Printing system, apparatus and method for automatically printing records of electronic transactions | 20070299729 | 20071227 |
| A method and system for automatically printing a hard copy of transaction information relating to a transaction conducted electronically between a user-side and a supplier side. A control apparatus performs an operation of identifying a selected aspect of information regarding the electronic transaction to thereby generate a print apparatus which is sent to a printing apparatus which prints transaction information in response to said print request. In addition, a printer for use with the method and system is provided.
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| Electronic commerce system utilizing custom merchant calculations | 20070299732 | 20071227 |
| A customer interacts with merchants to identify items to purchase, and the merchants provide virtual shopping carts identifying the items to a broker. The cart requests that the broker utilize custom merchant calculations for the transaction, such as for determining shipping costs. The customer interacts with the broker to identify customer information, such as a shipping address, and to purchase the items. The broker sends the customer information to the merchant and requests that the merchant perform the custom calculations. If the merchant provides a valid response to the request, the broker uses the merchant calculations to calculate the total price for the transaction. If the merchant provides an invalid response, the broker utilizes backup calculations specified in the cart to calculate the price.
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| Determining taxes in an electronic commerce system | 20070299733 | 20071227 |
| An electronic commerce system includes a broker that enables customers to purchase items from multiple different merchants. A customer anonymously interacts with the merchants to identify items to purchase, and the merchants provide virtual shopping carts including the item and tax information to the broker. The tax information describes tax rates for the item in multiple jurisdictions. The broker determines the jurisdiction applicable to the customer by, for example, determining a shipping address for the customer. The broker uses the tax information and jurisdiction to calculate the taxes to collect for the item. The broker determines the total cost for the transaction, and conducts an electronic commerce transaction for the item with the customer.
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| Method and system of synchronized clearing for online group deal | 20070299734 | 20071227 |
| A computer implemented method and a computer system of synchronized clearing for online group deal via electronic communications network involve the steps, various means, and associated processing logic to register participants' transaction items of online group deals, aggregate a plurality of transaction measures of said deals, provide a plurality of online group deal clearing conditions for said participants to select, receive at least a designated online group deal clearing condition from each of said participants, confirme said participants' binding deals, establish at least an effective online group deal clearing condition, activate the clearing of said deal, synchronize the clearing of said participants' transactions conforming to said effective online group deal clearing condition, and execute binding deals.
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| Distributed electronic commerce system with independent third party virtual shopping carts | 20070299736 | 20071227 |
| An electric commerce system includes a broker that enables third parties to create their own independent shopping carts including items from multiple different merchants. An agent creates and stores a shopping cart containing a plurality items from one or more merchants. The customer can view the shopping cart displayed by the agent to determine whether to make a purchase. If the customer indicates a desire to purchase the items in the cart, the customer is transferred to a broker for the checkout and purchase process. The customer can purchase the items in the shopping cart in a single purchase transaction with the broker, rather than having to deal with each of the merchants. The broker interacts with the merchants to complete the purchase transaction by which... |
| Third-party billing system and method | 20070299742 | 20071227 |
| A third-party billing system and method permits consumers to conduct e-commerce transactions (including microtransactions) securely and anonymously by providing billing and personal information to the third party billing system rather than to merchants. A consumer initiates a transaction by placing an order for a product. The consumer then authorizes the transaction by transmitting an authorization code to a billing computer. The authorization code identifies the consumer billing account to which the transaction is to be charged. The authorization code can also authenticate the consumer through use of a PIN. Multiple consumers can charge transactions to one billing account, in which case each consumer can be assigned a different PIN with restrictions that limit that consumer's use of the account. The billing computer then verifies the authorization... |
| Expense recovery system for multi-function device with smart data entry | 20070299752 | 20071227 |
| An expense recovery system for a digital MFD in the form of a modification to the application program interface of the MFD to allow input of identifiers for the user, the client and the job and to transmit this information and other transaction data to a host computer for billing purposes. Data entry is made faster and more accurate by minimizing keystrokes. The information is transmitted over a network and, optionally, the host computer may be located remote from the MFD.
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| Purchase card performance system | 20070299755 | 20071227 |
| A Purchase Card Maximization apparatus, method, and program product enhances efficiencies realized by an organization through (1) Performance Metrics And Reporting by analyzing applicable purchases through a cost center hierarchical display, measuring performance against baseline targets, highlighting areas in need of improvement, and providing reports that list specific steps to improve purchase card program performance; (2) Usage Compliance by applying specific company policy regulations to current purchase card transactions, record and track violations of company policies by cardholders and organization, automatically providing email notification of violations to cardholders, and providing escalation policy for dealing with repeat offenders; and (3) Audit Implementation And Tracking by applying a specific company policy to determine cardholders to be audited, recording and tracking results of cardholder audits, ensuring due diligence in... |
| Method and system for life settlement contract securitization and risk management | 20070299760 | 20071227 |
| This invention provides methods and systems for the efficient securitization and risk management of life settlement contracts. The advantages of the present invention include the ability to create securities derived from diverse pools of life insurance related obligations by managing, disaggregating, and recombining the risks of the underlying life insurance obligations into newly created securities of high credit quality termed Collateralized Life Settlement Obligations (“CLSO”), which can then be offered for sale or as collateral for repurchase (repo) transactions thereby facilitating an efficient and low-cost source of capital for acquiring the underlying life insurance related obligations.
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| Apparatus, system, and method for an electronic receipt service for consumers, merchants and financial institutions | 20070299772 | 20071227 |
| An apparatus, system, and method are disclosed for managing transactional data for consumers, employers, merchants, and financial institutions. A profile module is included to receive a profile created from client input. The profile comprises user client information, transactional information chosen by the client to be gathered from the client's transactions, and client preferences. The client is any of a consumer, a merchant, an employer, and a financial institution. A transaction gathering module is included to receive transactional information of a transaction from a point of sale. A transaction storage module is included to store the received transactional information in a database. A comparison module is included to compare the received transactional information with a client profile and to identify information from the received transactional information matching... |
| Purchase card system and method therefor | 20070299773 | 20071227 |
| The system allow users of cell phones the use of their cell phone account via a cash card, purchase card or credit card to effect transactions at existing terminals that are connected to card handling companies. Each respective card refers to the SIM-card in the cell phone. This SIM-card is the base for a specific account with the cell phone system operator, which in turn is connected on-line with card handling companies having terminals distributed for card transactions.
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| System and method for card not present transactions | 20070299774 | 20071227 |
| An authorizing system used for credit card and similar transactions where the credit card is not physically presented to the merchant (i.e., “card not present” transactions). Authorizing criteria may be selected by the account holder and stored in the authorizing system, for comparison to subsequent “card not present” transactions. The authorizing criteria may include total cumulative transactions amounts for “card not present” transactions during a monthly statement period.
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| Systems and methods for associating a second source of funds with an electronic check transaction | 20070299775 | 20071227 |
| A system automatically determines authorization and payment from a checking account of a financial transaction occurring through the presentation of a check card. For a proposed financial transaction of a customer from a merchant having a membership program, the system obtains an indication that the customer is a member of the merchant's membership program. The system determines an indication of risk for the transaction, based at least in part on the indication that the customer is a member of the merchant's membership program. The financial transaction is authorized when the indication of risk is within at least one parameter. A secondary source of funds is debited if the financial transaction from the checking account fails.
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| Local peer-to-peer digital content distribution | 20070299778 | 20071227 |
| Electronic devices such as media players are configured for participation in activities relating to local, peer-to-peer distribution of digital content. In an exemplary distribution transaction, digital content items such as audio files, video files, text files, multimedia files, data files, playlists, and metadata are distributable between a source device and a sink device based on the acts of: identifying digital content item(s); determining the proximity of the source device to the sink device; and if the potential source and sink communication devices are deemed to be in proximity, establishing a peer-to-peer communication session (using a predetermined communication protocol such as Wireless Fidelity (“WiFi”), Bluetooth, or HiperLAN) between the source and sink devices. The digital content item(s) can be asynchronously distributed, via the peer-to-peer communication session, from... |
| System and apparatus for credit data transmission | 20070299781 | 20071227 |
| A system for transmitting credit transaction data, such as an authorization request, is provided. The system includes a remote hub system that is connected to a communications medium, such as the Internet. The remote hub system receives credit transaction data, such as an authorization request, a credit card number, and a transaction amount, from one or more point of sale systems, such as credit card authorization terminals. The remote hub system then encrypts the credit transaction data, and transmits the encrypted credit transaction data over the Internet to a gateway system. The gateway system decrypts the encrypted credit transaction data and transmits the credit transaction data to an authorization system.
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| Dynamic fee structuring in a stored valude card program | 20060289621 | 20061228 |
| Dynamic fee structuring in a stored valued program is provided. One embodiment is a system for implementing a stored value card program, which comprises: a device that provides stored value card services to a user; and a fee structure database for determining an amount of a transaction fee to charge a user for a stored value card service provided by the device.
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| Financial transactions processing system including cash dispenser or recycler | 20060289628 | 20061228 |
| A financial transactions processing system includes a cradle to receive dispensed notes for dispensing cash to customers and/or tellers. The cradle may be rotatable for use with more than one user. The cradle may have end walls to provide security and privacy to each user. A rotatable shield may provide additional security and privacy. A lock may prevent the cradle and/or shield from rotating to prevent unauthorized access to cash in the cradle.
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| Financial transactions processing system including customer display screen | 20060289629 | 20061228 |
| A financial transactions processing system includes a teller display screen and a customer display screen, both of which can be coupled to a teller computer. The teller computer can be operably connected to a bank computer. The teller computer provides the teller display screen with a first set of information to be displayed on the teller display screen, and supplies the customer display screen with a second set of information to be displayed on the customer display screen, such that the customer display screen and the teller display screen display different sets of information.
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| Method of operating an image-based self-service check depositing terminal in response to a fault condition | 20060289630 | 20061228 |
| A method is provided of operating an image-based check depositing terminal in response to a fault condition. The method comprises the steps of receiving a non-customer identification card from an individual who is other than a customer conducting a check deposit transaction at the check depositing terminal, reading from the card data which is associated with a financial institution, receiving from the individual a check which has been recovered from the terminal by the individual while clearing the fault condition, capturing an image of the check received from the individual, transporting the check to a check storage bin after the image of the check has been captured, and transmitting to the financial institution the captured image of the check together with the data which is associated... |
| System, apparatus and methods for automatically calculating discounts for purchases from merchants made using a reservation system | 20060289631 | 20061228 |
| System, apparatus and methods for automatically calculating a discount for a customer offered by a merchant through a reservation system. In one example, a reservation file is provided and contains data relating to a reservation, and transaction data relating to payment card transactions is accessed. One or more elements of the transaction data are compared against one or more elements of the reservation file to determine a match; and based on the match, the discount is electronically calculated based one or more one or more elements of the transaction data and one or more elements of the reservation file. In this way, the discount can be accurately calculated in an automatic fashion. In another embodiment, the customer may opt for a non-cash discount such as airline... |
| Method and apparatus for promoting the selection and use of a transaction card | 20060289632 | 20061228 |
| One embodiment of the present invention provides for detecting a physical change at a transaction card, and, in response to detecting the physical change outputting content to attract the attention of a user.
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| Receipts having dual-sided thermal printing | 20060289633 | 20061228 |
| Variable information printed on both sides of a paper receipt at transaction time saves materials and provides flexibility in providing information to the recipient. Direct thermal printing on both sides of a paper receipt when issued is described. Using opposed print heads, paper receipts are printed on both sides at transaction time in a single pass. With transaction item detail printed on the front side of a double-sided thermal paper receipt, different types of information printed on the reverse side are described, including rebate information, contest information, serialized cartoons, conditions of sale, promotional information, coupon information, security features, ticket information and custom information based on recipient identity or transaction data or detail.
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| Asynchronous data pipe for automatically managing asynchronous data transfers between an application and a bus structure | 20060291508 | 20061228 |
| An asynchronous data pipe (ADP) automatically generates transactions necessary to complete asynchronous data transfer operations for an application over a bus structure. The ADP includes a register file which is programmed and initiated by the application. The register file includes the bus speed, transaction label, transaction code, destination node identifier, destination offset address, length of each data packet, packet counter, packet counter bump field, control field and a status field. During a data transfer operation, the ADP generates the transactions necessary to complete the operation over the appropriate range of addresses, using the information in the register file as a template. The ADP increments the value in the destination offset address field for each transaction according to the length of each data packet, unless the incrementing... |
| Method and apparatus for aggressive compression, storage and verification of the dynamics of handwritten signature signals | 20060291703 | 20061228 |
| The fields of biometrics and commerce can benefit from the aggressive compression techniques presented here. A novel approach to compressing the on-line handwriting signal without losing the dynamic information (i.e., velocity and order) is presented which provides the means to fit almost any signature sample within the 57-byte limit of one of the free magnetic strips on the back of conventional transaction cards such as credit or debit cards or other identity cards. The apparatus requires an on-line signature capture tablet capable of sampling the handwritten signature in a series of sampled X and Y coordinates. The compression method starts with segmenting the on-line handwriting signal into portions which may be approximated with a set of features from which the velocity and position may be reconstructed.... |
| Financial transaction card with embedded fabric | 20060292946 | 20061228 |
| A financial transaction card having first and second thermoplastic material sheets each having first and second substantially planar surfaces bounded by a continuous peripheral edge. A fabric material sheet disposed between said first and second thermoplastic material sheets. At least one of the thermoplastic material sheets has a viewing area covering the fabric material sheet that is sufficiently transparent or translucent to human visible light to allow the fabric material sheet to be viewed through the viewing area, whereby the fabric material sheet imparts a visual effect to the card. A machine readable financial information storage or reference device is also provided for storing or referencing card user financial information.
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| Intelligent cash control system | 20060293783 | 20061228 |
| A lottery terminal or kiosk such as a video lottery terminal, a lottery ticket printing terminal and/or other remotely controlled retail or gaming kiosk, which allows for transactions of the type in which a user can deposit currency that is validated by a bill validator, and valid currency is stored in an intelligent cash box within the kiosk. The kiosk system then credits the user with credits equal to the amount received to allow the purchase of selected items such as lottery tickets. The system includes the components necessary to allow the selection and printing of lottery tickets, or other vended items, as appropriate. The system also includes the components necessary to allow independent monitoring of the intelligent cash box memory from a remote site. The... |
| Payd | 20060293927 | 20061228 |
| The invented business method introduces a system and processes which accelerate payment processing to enable a service provider to be paid in the shortest time possible and much earlier than the normal settlement process by introduction of intermediaries, systems and processes not in current use for such purpose and in such mode or method. The first application of this system and method will be for the benefit of medical practitioners having independent practice or shared practice in physician clinics or other facilities. Using this system, physicians can get their due payments within 48 hours of submitting their bills, in an error-free straight-line processing experience. The method and system implementation includes an evaluation of the medical practice; conducting a sizing exercise to define two-month business volumes of... |
| System and method for discounting fuel | 20060293947 | 20061228 |
| A system and method of discounting a price-per-unit (PPU) of fuel during a fueling transaction by a customer at a fuel merchant. In one aspect, the invention identifies an issuer of the customer's credit card, associates the issuer with a PPU discount for the fuel, and discounts the posted PPU by an amount equal to the PPU discount associated with the identified credit card issuer. In another aspect, the invention determines that the customer participates in a reward program with a vendor with whom the fuel merchant has a relationship agreement for providing PPU discounts for fuel in exchange for redeemed reward points from the reward program. The customer's reward points are converted to a PPU discount, and the posted PPU of the fuel is discounted... |
| Debit card incentive system and method | 20060293952 | 20061228 |
| A system and method for encouraging a customer utilizing a financial card to perform a debit-type financial transaction rather than a credit-type transaction at a merchant. The customer is offered a price-per-unit (PPU) discount for fuel as a reward for performing the debit-type financial transaction. A point-of-sale (POS) system at the merchant determines that the customer performed the debit-type transaction, and stores the PPU discount and a customer identifier in a Discounts-Earned database. When the customer initiates a subsequent purchase of fuel, at the merchant or a different retail fueling merchant, a fuel dispenser retrieves the PPU discount from the database, discounts the posted price of the fuel by the PPU discount, and dispenses fuel to the customer at the reduced price. A redeemed discounts calculator... |
| System and method for influencing customer behavior | 20060293953 | 20061228 |
| A computer-implemented system and method of influencing customer behavior. The customer is offered a price-per-unit (PPU) discount for fuel as a reward for performing a predefined action. A point-of-sale (POS) system at a merchant determines that the customer performed the predefined action, and stores the PPU discount and a customer identifier in a Discounts-Earned database. When the customer initiates a subsequent purchase of fuel, at the merchant or a different retail fueling merchant, a fuel dispenser controller retrieves the PPU discount from the database, discounts the posted price of the fuel by the PPU discount, and causes the dispenser to dispense fuel to the customer at the reduced price. A redeemed discounts calculator multiplies the PPU discount by the number of units purchased in the fueling... |
| System and method permitting customers to order selected products from a vast array of products offered by multiple participating merchants and related security publications | 20060293971 | 20061228 |
| A universal automated order processing system represents multiple (e.g., hundreds or thousands) participating merchants who offer their products through the system. Customers become qualified for using the system by supplying a set of information (e.g., name, credit card number, shipping address) that is stored in a customer database. When a customer wishes to order a product, the customer calls the system, customer identity is automatically confirmed, the customer enters a product order number and the complete order is routed to the appropriate merchant with the information necessary for the merchant to fulfill the order. Available credit verification and other aspects of credit card transactions may be handled by either the system operator or the merchant. The system operator may offer revolving credit. The system may also... |
| Inventory management system | 20060293978 | 20061228 |
| An inventory management system preferably including a supply crib configured to store a plurality of supply items. The supply crib has a controlled entryway to selectively permit access to the supply crib. A database contains inventory information relating to a quantity of each of the plurality of supply items allocated to the supply crib. A user terminal is capable of communicating with the database and is accessible from external the supply crib. The user terminal is configured to permit a user of the system to select a quantity of a desired item from the plurality of supply items within the crib. The system is configured to update the inventory information to reflect the addition or removal of the quantity of the desired item in response to... |
| System and method for securitizing tangible assets in the alternative financial services industry | 20060293985 | 20061228 |
| Methods for securitizing and facilitating the securitization of the pawned assets of a pawnshop to enable the pawnshop to obtain a greater amount of funding at reduced rates and to tap into sources of financing in addition to traditional markets. The pawnshop can sell the pawned assets to a first entity to obtain immediate funding, which the first entity can obtain directly or indirectly from other entities in transactions involving a secured financial instrument. Depending on the transactions used, either on-balance sheet or off-balance sheet treatment for the pawnshop of the pawned assets and related liabilities is possible.
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| Universal e-money brokerage service and method | 20060294005 | 20061228 |
| A universal e-money system and corresponding method for financial transactions involving different online payment systems includes local brokerage accounts opened with each online payment system, and software modules programmed in a computer in communication with the online payment systems. The modules interface with a first online payment system to identify receipt from a user of the first online payment system of a first electronic money transfer to a first local brokerage account and credit a virtual account of the user with a related value of electronic money. The modules also interface with the user to receive a request to complete a payment to a vendor having an account on a second online payment system. The virtual account of the user is debited and the requested payment... |
| Business transaction process controller for composite transactions | 20060294006 | 20061228 |
| Embodiments of the invention provide a method, system and apparatus for commerce transaction control for composite transactions. In a method of the invention, an object model of relationships between different transactions in a composition of transactions can be generated. The object model can be traversed and at least one transaction can be invoked through a remote interface for the transaction. It can be determined whether to commit or roll-back a result of the transaction in the composition based upon a results tree holding results for other invoked transactions in the composition. Consequently, the result of the transaction in the composition can be committed or rolled-back according to the determining step.
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| Methods for facilitating validation of financial transactions made through a wireless communication network | 20060294007 | 20061228 |
| A request for approval is sent to a payee, in a Simple Payment scenario, to accept or reject a transaction. A subscriber to the Financial Transaction Service has the ability to set up Special Lists of Financial Transaction Accounts which are submitted to Particular Rules to be applied when such accounts are involved in transactions with the subscriber's own account. Such particular rules are checked and implemented by a Transaction Processing Platform and/or by a mobile handset and/or the SIM of the subscriber. The Special Lists are stored in part or integrally in files connected to the Transaction Processing Platform and/or in memory of the mobile handset and or in a memory of the SIM. The Financial Transaction Account number of a subscriber can be read... |
| Image commercial transactions system and method, image transfer system and method, image distribution system and method, display device and method | 20060294013 | 20061228 |
| An image commercial transactions system and method, an image transfersystem and method, an image distribution system and method, and a display device and method are disclosed. A reception dealer accepts the transfer of an image recorded on a recording medium in a predetermined format with a handling condition intrinsic to the image, and transfers the image with the handling condition, and an advertisement, in digital data format, and a charge accounting dealer effects an electronic charge accounting transaction for the transfer of data of the image with the handling condition and the advertisement. Accordingly, a forwarding request user is helpful in making public the advertisement by having the data of the advertisement along with the data of the image forwarded, instead of the reception dealer, whereby... |
| Music distribution system and associated antipiracy protections | 20060294016 | 20061228 |
| Music is blanket transmitted (for example, via satellite downlink transmission) to each customer's computer-based user station. Customers preselect from a list of available music in advance using an interactive screen selector, and pay only for music that they choose to have recorded for unlimited playback, for example, by a “CD burner”. An “ID tag” is woven into the recorded music so that any illegal copies therefrom may be traced to the purchase transaction.
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| System and method for secure online transactions using portable secure network devices | 20060294023 | 20061228 |
| A portable secure network device and method to operate such a device to provide secure login, secure online transactions, and to prevent online identity theft. An embodiment of the invention may be constructed by inserting a network smart card into a card reader, wherein either the card reader or the card itself has an output device and input device wherein the processor is programmed to execute according to instructions to cause the microprocessor: to produce a shared association secret; to display the shared association secret on the output device; and to transmit the shared association secret to the remote server; thereby ensuring that a user observing the output device and the remote server computer both possess the shared association secret.
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| Mobile device communication system | 20060294025 | 20061228 |
| A method and system to conduct financial transactions over a communication network is provided. Data associated with a mobile communication device user is received and stored, and a user mobile airtime account is allocated to the user. A purchase request is received from the user via a mobile communication device, the purchase request being for a purchase from a merchant for a purchase amount. The communication network provides the user access to the network to make the purchase request without debiting a financial account of the user or the user mobile airtime account for the access to the communication network. A payment service provider now automatically debits the financial account of the user with the purchase amount, automatically allocates a service fee which is associated with... |
| Method and system for managing data transaction requests | 20060294038 | 20061228 |
| A method and system is provided to process data transactions in a data store including a plurality of databases. The system may comprise a computer interface module to receive a data transaction request from at least one requesting computer and a data store interface module to interface the system to the plurality of databases. The system also includes a data access layer defining an abstraction layer to identify at least one database of the plurality of databases. The data transaction request may be an object orientated request and the plurality of databases may be horizontally distributed wherein the data access layer defines an object orientated abstraction layer between the computer interface module and the plurality of databases. In one embodiment a data dependent routing module is... |
| Method and apparatus for communicating transactions between an industrial controller and a programming interface | 20060294047 | 20061228 |
| An industrial control system includes an industrial controller and a programming interface. The industrial controller maintains a control program for interfacing with a controlled process. The programming interface is operable to communicate a transaction to the industrial controller. The transaction includes a plurality of operations for modifying the control program followed by a commit transaction command. The industrial controller is operable to preprocess the plurality of operations, designate the plurality of operations with a pending status, and commit the operations and clear the pending status responsive to receiving the commit transaction command.
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| Byte-code representations of actual data to reduce network traffic in database transactions | 20060294055 | 20061228 |
| Methods, articles of manufacture, and systems for reducing network traffic for database transactions between a requesting client and a database server are provided. For some embodiments, the client may access statistical information regarding the data, such as that commonly contained in indexes (e.g., encoded vector indexes), conventionally generated for use by a query optimizer. For some embodiments, based on the statistical information regarding the data, the client may request that the server send small byte-code representations of data from the database, rather than the actual data. The small byte-code representations may be significantly smaller than the actual represented data, thus reducing network traffic between the client and server. The client may then retrieve the actual represented data from a corresponding data representation record.
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| Method and system for transactional fingerprinting in a database system | 20060294057 | 20061228 |
| Transactions with respect to database operations are fingerprinted by associating transaction identifiers with logged information about those database operations. An SQL query is obtained prior to its evaluation by a database engine. A transaction identifier to be associated with the SQL query is also obtained. The SQL query is then modified to generate a modified SQL query, wherein the modified SQL query includes a WHERE clause that contains an expression that always evaluates to a logical true value, and wherein the expression contains the transaction identifier. The modified SQL query is then sent to the database engine for evaluation within the data processing system. When the processing of the modified SQL query is logged with a copy of the modified SQL query, the logged information contains... |
| Method, system, and program for maintaining data in a distributed computing environment for processing transaction requests | 20060294110 | 20061228 |
| Provider are a method, system, and program for maintaining data in a distributed computing environment. Data is stored at a primary storage site. A data structure is processed indicating an association of data sets in the stored data, secondary storage sites, and update frequencies. In response to processing the data structure, a determination is made of one of a plurality of secondary storage sites and a determination is made of at least one data set to transmit to the determined secondary storage site at an update frequency. The determined data set is transmitted to the determined secondary storage site according to the update frequency.
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