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Transaction patents



      
           
This page is updated frequently with new Transaction-related patent applications. Subscribe to the Transaction RSS feed to automatically get the update: related Transaction RSS feeds. RSS updates for this page: Transaction RSS RSS


Remote control for controlling a television receiver

Control of page access in memory

System and method for implementing reader-writer locks using hardware transactional memory

Date/App# patent app List of recent Transaction-related patents
09/11/14
20140259107
 Utilizing routing for secure transactions patent thumbnailUtilizing routing for secure transactions
The present disclosure relates to methodologies, networks, and nodes for providing secure transaction routing among network components. Network transactions (messages) may be intentionally routed though networks using different paths where the act of following the particular node paths or traversing particular nodes provides a security enhancing feature for the messages.
09/11/14
20140259061
 Remote control for controlling a television receiver patent thumbnailRemote control for controlling a television receiver
A remote control for controlling a television receiver. The remote control comprises a communication mechanism for communicating with the receiver, an active nfc reader for communicating with an active or passive nfc device, and a mechanism for transmitting the information received from the nfc device to the receiver.
09/11/14
20140258649
 Control of page access in memory patent thumbnailControl of page access in memory
The present techniques provide systems and methods of controlling access to more than one open page in a memory component, such as a memory bank. Several components may request access to the memory banks.
09/11/14
20140258645
 System and method for implementing reader-writer locks using hardware transactional memory patent thumbnailSystem and method for implementing reader-writer locks using hardware transactional memory
Transactional reader-writer locks may leverage available hardware transactional memory (htm) to simplify the procedures of the reader-writer lock algorithm and to eliminate a requirement for type stable memory an htm-based reader-writer lock may include an ordered list of client-provided nodes, each of which represents a thread that holds (or desires to acquire) the lock, and a tail pointer. The locking and unlocking procedures invoked by readers and writers may access the tail pointer or particular ones of the nodes in the list using various combinations of transactions and non-transactional accesses to insert nodes into the list or to remove nodes from the list.
09/11/14
20140258586
 Methods and systems for reducing the amount of time and computing resources that are required to perform a hardware table walk (hwtw) patent thumbnailMethods and systems for reducing the amount of time and computing resources that are required to perform a hardware table walk (hwtw)
A computer system and a method are provided that reduce the amount of time and computing resources that are required to perform a hardware table walk (hwtw) in the event that a translation lookaside buffer (tlb) miss occurs. If a tlb miss occurs when performing a stage 2 (s2) hwtw to find the pa at which a stage 1 (s1) page table is stored, the mmu uses the ipa to predict the corresponding pa, thereby avoiding the need to perform any of the s2 table lookups.
09/11/14
20140258226
 Asynchronous transaction management, systems and methods patent thumbnailAsynchronous transaction management, systems and methods
The invention discloses a system and method for simulating the asynchronous replication process. Transactions received by a server can be organized according to timestamp information or other metadata information, and are executed.
09/11/14
20140258160
 Systems and methods for social graph data analytics to determine connectivity within a community patent thumbnailSystems and methods for social graph data analytics to determine connectivity within a community
Systems and methods for social graph data analytics to determine the connectivity between nodes within a community are provided. A user may assign user connectivity values to other members of the community, or connectivity values may be automatically assigned from third parties or based on the frequency of interactions between members.
09/11/14
20140258136
 Method for improving security of online transactions patent thumbnailMethod for improving security of online transactions
The present invention provides a system, including a method and apparatus, for verifying, with a very high degree of certainty, the identity of an individual who desires to execute an online transaction for the purchase of goods or services. System function embodies a number of interconnected basic features.
09/11/14
20140258133
 Secure mobile-based financial transactions patent thumbnailSecure mobile-based financial transactions
Devices, systems and methods are disclosed which relate to securing payments from a mobile communications device. In exemplary embodiments, a mobile communications device communicates with a payment server via a point-of-sale device to conduct a transaction.
09/11/14
20140258127
 Using low-cost tags to facilitate mobile transactions patent thumbnailUsing low-cost tags to facilitate mobile transactions
Systems, methods and computer program products for facilitating payments using low-cost barcode or rfid tags are disclosed. Such tags can be attached or affixed to physical, real-world objects thus allowing the objects to be purchased using a customer mobile device, without the need for a dedicated, on-site point-of-sale system.
09/11/14
20140258120
Systems and methods for debit card account confirmation
Systems and methods that receive one or more information associated with a debit card account and receive verification of the information associated with the debit card. Upon the verification, a proxy associated with the information may be generated and stored in association with the information.
09/11/14
20140258118
Predicting approval of transactions
Method, systems, and apparatus for processing a payment transaction includes determining that a network connection between a first destination in a payment system and a second destination in a payment system does not satisfy a latency threshold; receiving data indicating a payment transaction between a customer and a merchant; determining whether the payment transaction should be stored, where the determining is based on a risk algorithm model that considers risk factors associated with data regarding the payment transaction, risk factors associated with data regarding the customer, and risk factors associated with data regarding the merchant; if the payment transaction should be stored: storing the payment transaction for future processing; displaying an indication that the payment transaction has been successfully processed; if the payment transaction should not be stored: attempting to send a request for authorization for the payment transaction at a payment service system included in the payment system.. .
09/11/14
20140258117
Methods and systems for handling currency
A bulk deposit can be made at a financial institution based on dealings between a remitter and the remitter's agent. Information concerning transactions between the agent and the agent's customers, may be transferred by the agent to the remitter and, in turn, from the remitter to a service provider that is distinct from the agent, the remitter, and the remitter's bank.
09/11/14
20140258113
System and method for secured account numbers in proximity devices
A method and system for using a secured account number for processing proximity types of wireless financial transactions associated with portable consumer proximity devices is disclosed. In one embodiment, the method includes receiving a proximity type of wireless financial transaction request along with a secured account number from a portable proximity consumer device such as a contactless smart card, converting the secured account number to the user's real account number, and transmitting the financial transaction request along with the user's real account number to the issuer of the user's real account number for authorization and processing..
09/11/14
20140258112
Method and apparatus for performing electronic transactions
A method for performing electronic transactions, includes receiving a primary wallet component registered in a ticket server and an additional wallet component registered to the ticket server from a first provider server, displaying the primary wallet component and the additional wallet component, if selection of the additional wallet component is detected, requesting a second provider server to issue the selected additional wallet component, receiving the additional wallet component issued by the second provider server corresponding to the requested additional wallet component, and displaying the issued additional wallet component on a touch screen.. .
09/11/14
20140258110
Methods and arrangements for smartphone payments and transactions
The disclosure relates to a smartphone-based virtual wallet, that manages payment options available to a user. One claim recites a method employing a user's portable device, the device including a display and a sensor, the method including acts of: initiating a multi-party auction to solicit bids from a plurality of financial vendors to facilitate a financial transaction for the user, the plurality of remotely-located financial vendors being associated with the user via a virtual wallet hosted on the user's portable device; receiving bids from the plurality of financial vendors; presenting a user interface using the display, the user interface identifying at least two bids solicited from the multi-party auction; upon receiving an indication of a user-selected bid from the at least two bids, initiating a financial transaction using at least some of the details in the user selected bid and information obtained from the virtual wallet.
09/11/14
20140258102
Multiple account advanced payment card and method of routing card transactions
A system of accessing through a financial processing network multiple accounts associated with a single financial card. Data is input to the financial network in addition to the transaction data and the account identification data that in read from the card.
09/11/14
20140258100
Systems and methods for providing an engagement system
Aspects of the present disclosure describe systems and corresponding methods for providing interactive experiences via an engagement system to spectators currently attending or otherwise participating in an event being conducted at a venue. In various aspects, the engagement system may connect the event attendees and/or spectators in an integrated manner by allowing such users to engage in interactive experiences, such as socially connecting to other participants, executing consumer transactions, and/or engaging in various other interactive games, promotions, and/or activities corresponding to the event being conducted at the venue..
09/11/14
20140258099
Systems and methods for updating payment card expiration information
A computer-implemented method for updating merchant information regarding card-not-present recurring payment (cnp/rp) transactions is provided, wherein the method involves a recurring transaction initiated by a cardholder using payment card information stored by a merchant. The method includes querying a database coupled to a payment network to identify a candidate payment card having stale payment card data.
09/11/14
20140258087
System and method for facilitating web-based peer-to-peer rotating financial transactions
Various methods and systems for facilitating web-based peer-to-peer rotating financial transactions associated with a rotating fund shared among a circle of peers connected within one or more social networks are disclosed. In embodiments, a web service platform executed by a funding system enables a first party to organize a funding circle.
09/11/14
20140258086
System and method for generating a rotating funding cycle
System and method for generating a rotating funding cycle for a web-based peer-to-peer rotating funding circle executed on a web service platform of a funding system is disclosed. In embodiments, a rotating funding cycle is generated based on a party's selection of criteria associated with the funding circle.
09/11/14
20140258085
System and method for managing risk in web-based peer-to-peer rotating financial transactions
A system and method for generating risk management tools for web-based peer-to-peer rotating financial transactions executed by a funding system is disclosed. The risk management tools assist a funding circle organizer in addressing late contribution payments.
09/11/14
20140258076
Syndication loan administration and processing system
A loan syndication tracking and management system and method provides a user with access to specific details related to a syndicated loan. The system and method coordinates investor, borrower and resource information, in addition to features related to the overall structure of a syndicated loan.
09/11/14
20140258070
Method and system for administering the hedging of an employee deferred compensation plan using swaps
A method and system for administering the hedging of an employee deferred compensation plan, e.g., which employs hedging of nqdc plan liabilities using total return swaps and/or put and call options and/or forwards, for tax purposes. A plan coordinator coordinates a transfer of information between an employer/plan sponsor, a plan administrator that communicates with the employees/plan participants, and a balance sheet provider.
09/11/14
20140258055
System and method for a gift tracker
Disclosed herein are systems, methods, and non-transitory computer-readable storage media for a gift tracker portal that provides an interface to view and manage a history of gift transactions, and provides an interface to give gifts. In this gift tracker interface, a user can view a history of gifts given and received, and can view the status of each individual gift.
09/11/14
20140258054
Systems and methods for financial accounting
An accounting system is configured to record single entry transactions (e.g., cash receipts, cash disbursements, accounts payable, payroll payable, legal commitments) and to generate, in response to a selection by a user made after the transactions have been recorded, a selected one of a cash basis report and a budgetary basis report. Other systems and methods are provided..
09/11/14
20140258042
System and method for facilitating real estate transactions
A system, method and software is described for the advertising of real estate. Information and images for a property are made available to prospective purchasers.
09/11/14
20140258032
Transaction facilitating marketplace platform
A platform facilitates buyers, sellers, and third parties in obtaining information related to each other's transaction histories, such as a supplier's shipment history, the types of materials typically shipped, a supplier's customers, a supplier's expertise, what materials and how much a buyer purchases, buyer and shipper reliability, similarity between buyers, similarity between suppliers, and the like. The platform aggregates data from a variety of sources, including, without limitation, customs data associated with actual import/export transactions, non-public shipper records, and facilitates the generation of reports as to the quality of buyers and suppliers, the reports relating to a variety of parameters that are associated with buyer and supplier quality..
09/11/14
20140258011
Apparatus, systems and methods for wirelessly transacting financial transfers, electronically recordable authorization transfers, and other information transfers
The present invention provides apparatus, systems and methods to wirelessly pay for purchases, electronically interface with financial accounting systems, and electronically record and wirelessly communicate authorization transactions using personal digital assistant (“pda”) (also referred to as personal intelligent communicators (pics), and personal communicators), palm computers, intelligent handheld cellular and other wireless telephones, and other personal handheld electronic devices configured with infrared or other short range data communications (for referential simplicity, such devices are referred to herein as “pda's”). The present invention further provides apparatus, firmware, software programs and computer-implemented methods for making service and/or sale service charge payments for credit card charges, debit card charges, electronic cash transfers, ticket and other like financial transactions and for other types of transactions, such as for electronic coupons, where the amount of the transaction is for a small amount of money, such as, for example, less than $5.00..
09/11/14
20140257976
Apparatus and method for enhancing transactions using rule information to communicate with multiple applications
A method and apparatus provides information to enhance at least one of: a sales, a service and an administrative transaction by communicating with a plurality of applications from a group of applications in accordance with rule information and based on at least two of the received: end user identification information, client identification information and transaction type information. In one example, the apparatus includes a rules engine, an application integrator, an integration and presentation module, and an integrated user interface.
09/11/14
20140257960
Method, system, and computer program for attracting local and regional businesses to an automated cause marketing environment
The present invention teaches a system, method and computer program for enabling local or regional merchants to participate in an automated cause marketing (acm) program. The acm program that may provide benefits to several parties involved in fundraising for one or more supported organizations, including one or more supported organizations, advertising providers, merchants, and individuals.
09/11/14
20140257958
Merchant incentive programs on proxy card systems
Selecting an alternate payment instrument after a proxy card payment transaction comprises associating the proxy card account comprising with a plurality of financial accounts that can be selected for funding financial transactions; associating a merchant account with a merchant, the merchant account comprising an incentive program; associating the user proxy card account with the incentive program; receiving a payment authorization request; accessing the user proxy card account based on the identification of the user proxy card account; determining that the user proxy card account is associated with the merchant's incentive program; when the item information in the transaction data meets at least one rule in the set of rules for obtaining the incentive, applying the incentive to the user proxy account associated with the merchant's incentive program; and communicating a notification of the applied incentive to a user associated with the user proxy card account.. .
09/11/14
20140257955
Methods and systems for applying promotions to payment transactions
A method for applying promotion codes to a payment transaction using a computing device is provided. The computing device includes a promotion application in communication with a server.
09/11/14
20140257922
Systems and methods for providing social discovery relationships
The disclosed embodiments include methods and systems for providing social discovery service operations. In one embodiment, a system for providing a social discovery service is disclosed.
09/11/14
20140256284
Implementing a dynamic cloud spectrum database as a mechanism for cataloging and controlling spectrum availability
A system and method are provided for implementing a dynamic cloud spectrum database to codify and store information on, and track the use of, spectrum resources made available by primary spectrum holders in an effort to facilitate spectrum management for networks using spectrum allocated through a dynamic spectrum access scheme that allows the primary spectrum holders, or proxies assigned to manage a given allocations of spectrum, to temporarily “rent” access to the spectrum they hold to other entities. Spectrum may be listed in the database defined by a common unit measurement system according to a defined metric for quantifying spectrum.
09/11/14
20140254793
Shannon security double symmetrical cryptogram method by coding information for telematic and electronic transmission
An invention in the field of information society for making data and information inaccessible to unauthorized persons in order to protect the privacy of data and information during electronic transmission using a cryptographic method for reliable, fast and secure encryption widely used in industry (private and public telecommunications sectors, computing, national defense, computer programs, electronic payment transactions and banking operations, cryptography of musical and audiovisual works and digital signatures and certificates) by means of the use of the following technical means in sequential and successive order: 1. An alphanumeric matrix, 2.
09/11/14
20140254789
Customer-enabled evaluation and control of communication center agent contact
A communication center has agents operating at workstations and enabled to interact with customers, a router for routing incoming transactions from customers to agents, and routing rule sets associated with specific customers. Individual ones of the rule sets include one or more contact constraints set by the customer associated with the rule set..
09/11/14
20140254388
Reconfigurable noc for customizing traffic and optimizing performance after noc synthesis
Systems and methods described herein are directed to solutions for network on chip (noc) interconnects that supports reconfigurability to support a variety of different traffic profiles each having different sets of traffic flows after the noc is designed and deployed in a soc. Reconfiguration of the noc to map and load a new traffic profile or change the currently mapped traffic profile is performed by an external optimization module which maps various transactions of a given traffic profile to the noc and reconfigure the noc hardware by loading the computed mapping information.
09/04/14
20140250436
Transaction-based service control system and control method
The present invention relates to a transaction-based service control system and control method. The present invention provides the resource provision management domain and the resource provision management component to manage resources provision respectively, wherein the resource provision management component is used to manage the virtual machine provision, and resource provision management domain is used to manage provision of the set of resources.
09/04/14
20140250095
Managing data transaction requests
In various embodiments, a system, method, and related computer-readable storage medium to process data transactions are provided. In one example, a system is arranged to process data transactions in a data store including a plurality of databases.
09/04/14
20140250094
Step identifier based on a universal timestamp
One or more transactions, and their audited update actions, operating on a database may be identified by a step id. The step id may include a first set of bits identifying a time the step was created.
09/04/14
20140250081
Creating validated database snapshots for provisioning virtual databases
Virtual databases are provisioned using point-in-time copies of a source database. Transaction logs received from the source database are applied to a point-in-time copy of the source database to create recovery milestones comprising database blocks that can be used to provision virtual databases.
09/04/14
20140250030
Method and apparatus using debt or equity for making financial transactions economic
A business method and system work to create an observable, verifiable and tangible result that can prevent the default of financial transactions by creating a separate income generating private equity portfolio asset base that can be financially relied upon prior to a financial default. The self-insured, income generating private equity portfolio is created contemporaneously by the select equity creator plus (secp) at the time of the underlying transaction's closing, providing contemporaneous liquidity upon the execution of the underlying transaction.
09/04/14
20140250013
Techniques for mobile transaction processing
Techniques for automated mobile transaction processing are provided. A consumer traverses to a web portal or other type of enterprise terminal device of an enterprise and proceeds to shop.
09/04/14
20140250009
Debit/credit card fraud prevention software and smart phone application system and process
The present invention is a bank card fraud prevention system comprising a smart phone application and fraud prevention software placed within financial institutions that provide the subscriber the option to approve or decline a bank card transaction in real time based on a comparison between the user's smart phone geographical location at the time of the pending bank card transaction and the location of the purchase. The subscriber will have the ability to either immediately approve or decline the pending transaction by responding to the alert on the subscriber's present invention's smart phone application.
09/04/14
20140250008
Service assisted reliable transaction signing
Techniques are disclosed for authenticating transactions conducted over computer networks, e.g., online banking transactions or other transactions performed by a financial institution at a customer's request. After receiving a transaction request (and associated transaction details), the transaction signing service signs the transaction data and sends the resulting blob to the user requesting the transaction.
09/04/14
20140250002
System and method for processing a gift card via the cloud
Disclosed herein are systems, methods, and non-transitory computer-readable storage media for splitting a transaction among multiple participants. A system configured to practice the method first receives, at a first time, from a payor an identification of a payee and a policy, the payee having a payee account that was registered with a service provider prior to the first time.
09/04/14
20140250001
System and method for processing gifts between different payment account types
Disclosed herein are systems, methods, and non-transitory computer-readable storage media for creating a gift in one medium of exchange from stored value in another medium of exchange. The system accesses a first account representing stored value in a first medium of exchange, and chooses an amount of the stored value from the first medium of exchange.
09/04/14
20140249996
Computer methods and computer systems for facilitating automated sale transactions between buyers and sellers over the sale of fully pre-specified products and services
In one embodiment the instant invention provides for a method that includes: the following steps of: programming a computer system, to perform the steps of: receiving, from a seller, seller information for an item that the seller offers to sell; determining from the seller information: identifying characteristics that specifically describe the item and specifically identify the seller; minimum acceptable price (map) and minimum acceptable price range (mapr), and maximum allowable number of negotiating chances per each buyer (manbcs); receiving, from the potential buyer, a buyer offer for the first item and consummating a sale transaction when: a monetary amount or a range of monetary amounts submitted by the buyer respectively matches the map or the mapr, and the potential buyer has not previously submitted an other offer for the item so that a total number of offers made by the potential buyer is equal or less than the manbcs.. .
09/04/14
20140249995
Transaction processing method, apparatus and system
The present invention relates to a transaction processing and method. A device associated with a payer, which may be a suitably adapted mobile telephone is involved in the payment transaction process.
09/04/14
20140249993
Method and apparatus for performing transactions via a sponsor account
An approach is presented for performing a transaction via a sponsor account. The transaction manager receives a request to sponsor payment for one or more client accounts by a sponsor account.
09/04/14
20140249991
Computer implemented finance management routing system
Broadly, the present invention relates to data processing in general and more particularly to a finance management system or “system” (5) relating to the auto industry (25) that provides a gateway for vehicle purchase lead management tools to seamlessly integrate the auto sales process with the auto finance process, and enables sellers (25) to initiate, process, and decision loan transactions with financial institutions (100). The financial management system (5) described herein preferably includes, among other things, credit filters (20), auto population of documents, and a decision engine (105) that retrieves or collects and combines or merges the borrower's credit file(s) (110) with an applicant's information (115), processes the information or data to a specific vehicle (145) and finance structure (160), matches the data against a lender's proprietary mix of loan programs, pricing, credit policies and/or custom scoring models (120) to determine if a borrower (30) has qualified for a loan, and makes a result presentation (155) of a finance level of acceptability available to the auto dealer (25)..
09/04/14
20140249983
Securitization of a commercial transaction
A method and apparatus for generating a tradable security includes confirming a vendor's compliance with predefined terms of a commercial transaction, such that a buyer is obligated to make a due payment. The method and apparatus further includes electronically rating a financial commitment relating to a receivable account for the commercial transaction.
09/04/14
20140249972
Method of reposting transactional documents
A method of modifying an original transaction document of a computerized accounting system that includes a general ledger having original transaction postings corresponding to transactions contained in the original transaction document, a new transaction document is generated in response to a command to edit the original transaction document. Next, the new transaction document is modified and saved as a modified new transaction document.
09/04/14
20140249968
System and method for facilitating secure self payment transactions of retail goods
Disclosed herein are various embodiments for systems and methods for self-payment and verification of the purchase of retail goods and services. According to an embodiment of the invention, a method for verifying the purchase using a mobile electronic device in wireless communication with a payment verification system and a code generating system is provided, the method comprising the steps of: receiving from a consumer information identifying an item for purchase; receiving from a consumer information identifying payment means for purchasing the item for purchase; processing the information identifying the item for purchase and information identifying payment means and generating a unique qr code indicating a purchase of the item; sending the unique qr code to a mobile device for display by a consumer to the vendor of the item for purchase..
09/04/14
20140249963
Method and apparatus for electronic product information and business transactions
A shopping aid for electronically supplying product information is provided. In one aspect of the invention, product, sales, status, availability and/or other related product information may be transmitted locally from a computer system associated with a merchant or from the internet to a portable electronic device of the consumer.
09/04/14
20140249949
Consumer processing system and method
Disclosed is a consumer processing system for identifying and recognizing a consumer engaged in a transaction with a merchant. The system includes a consumer processing system interface for receiving, from a merchant, a consumer/transaction data set with a plurality of fields.
09/04/14
20140249945
System and method for secured account numbers in proximity devices
A method and system for using a secured account number for processing proximity types of wireless financial transactions associated with portable consumer proximity devices is disclosed. In one embodiment, the method includes receiving a proximity type of wireless financial transaction request along with a secured account number from a portable proximity consumer device such as a contactless smart card, converting the secured account number to the user's real account number, and transmitting the financial transaction request along with the user's real account number to the issuer of the user's real account number for authorization and processing..
09/04/14
20140249942
Mobile barcode scanner gun system with mobile tablet device having a mobile pos and enterprise resource planning application for customer checkout / order fulfillment and real time in store inventory management for retail establishment
A mobile scanner gun system efficiently and reliably processes a retail store purchase and/or performs daily store inventory management functions. The system has a main body portion extending toward a handle portion, the main body portion having a base, side walls, a front wall and a back wall constructed to form an interior cavity, wherein the front wall includes an aperture with a lens recessed therein.
09/04/14
20140249939
Techniques for mobile transaction processing
Techniques for automated mobile transaction processing are provided. A consumer traverses to a web portal or other type of enterprise terminal device of an enterprise and proceeds to shop.
09/04/14
20140249934
Common point of purchase (cpp) detection
Transaction data is processed by first determining transactions in a database that are associated with a respective event that indicates a classification of interest and that share at least one common point of purchase (cpp) identifier across two or more of the determined transactions associated with the classification of interest. A set of the transactions in the database are determined, based on the cpp identifiers for transactions from as time period prior to a start time of the event and accounts associated with the event.
09/04/14
20140249930
Integrated pos computer system
A pos cs includes an additional logical control logging of transaction data, transmission of the transaction data to a central cs, identification of cids in transactions qualifying for marketing information, and instruction of printers for printing the marketing information for a cid during a transaction involving the cid at a terminal in the pos cs.. .
09/04/14
20140249861
Identification and selection of healthcare claim transactions for requesting increases in reimbursement levels
Systems, methods and computer-readable media are disclosed for performing various filtering operations and selection processing on healthcare claim transaction data associated with a plurality of healthcare claim transactions. The filtering operations may include a first filtering operation to identify healthcare claim transactions reimbursed at a loss and a second filtering operation to further identify those transactions reimbursed at a mac rate below cost.
09/04/14
20140247822
Dynamic range wireless communications access point
The claimed subject matter provides for systems and/or methods for a dynamic range wireless access point to initiate deliberate and/or selective communications with one or more wireless devices over a short range radio path. One embodiment of an access point system comprises a processor that transfers one or more wireless devices to a long range radio path once a transition condition has been met.
09/04/14
20140247753
Using transactions to compute and propagate network forwarding state
For a controller for managing a network comprising several managed forwarding elements that forward data in the network, a method for configuring a managed forwarding element is described. The method generates a first set of flow entries for defining forwarding behaviors of the managed forwarding element based on a current network policy for a logical network implemented in the several managed forwarding elements.
09/04/14
20140246490
System and method for securely loading, storing and transmitting magnetic stripe data in a device working with a mobile wallet system
A system and method for a payment card capture, storage and transmission device with magnetic stripe transmission capabilities without contact with the magnetic reader head including a magnetic field transmitter including a driver and inductor, a microprocessor, a memory storage or secure element, a battery, a magnetic stripe reader (msr), an audio jack interface working in conjunction with a consumer mobile communication device and wallet application for capturing magnetic stripe card data, storing the data securely, and transmitting such data to a merchant's point of sale (pos) terminal, checkout system, or other msr device. The system provides a convenient buying experience for buyers, and secure and informative transactions for sellers..
09/04/14
20140246485
Dollar coin converter
The dollar coin converter is an annular attachment to a united states dollar coin, which semi-permanently converts the coin into a size that is tactilely and visually, more easily distinguished from the united states quarter coin. It allows advertising and marketing on the faces of the annular attachment to provide incentives to circulate the coin, saving billions of dollars.
08/28/14
20140244985
Intelligent context management
Intelligent context management for thread switching is achieved by determining that a register bank has not been used by a thread for a predetermined number of dispatches, and responsively disabling the register bank for use by that thread. A counter is incremented each time the thread is dispatched but the register bank goes unused.
08/28/14
20140244528
Method and apparatus for combining multi-dimensional fraud measurements for anomaly detection
A fraud-detection system facilitates detecting fraudulent entities by computing weighted fraud-detecting scores for the individual entities. During operation, the system can obtain fraud warnings for a plurality of entities, and for a plurality of fraud types.
08/28/14
20140244514
Methods and arrangements for smartphone payments and transactions
The disclosure relates to a smartphone-based virtual wallet, that manages payment options available to a user. One claim recites portable device comprising: a touch screen display; a video camera; a microphone for capturing ambient audio; memory for storing an image, and for storing components of a virtual wallet; and one or more processors.
08/28/14
20140244513
Data protection in near field communications (nfc) transactions
Described herein are architectures, platforms and methods for protecting sensitive data that are utilized during near field communications (nfc) communications or transactions and more particularly, a system on chip (soc) microcontroller that is configured to control processing of the sensitive data during the nfc transactions is described. The sensitive data may include, but not limited to, personal information, financial information, or business identification numbers..
08/28/14
20140244509
Method and apparatus for distribution of money transfers
A method for performing transactions comprises receiving registration information and money transfer transaction specifications, generating a distribution profile based on the registration information, and storing the money transfer transaction specifications in the distribution profile. The distribution profile is identified based on an initiation instruction and associated user authentication data, and one of the money transfer transaction specifications in the distribution profile is identified based on the initiation instruction.
08/28/14
20140244504
Methods and systems for processing electronic transactions and managing vehicle costs
A computer-implemented method for performing an electronic transaction over a payment network system is provided. The transaction is initiated by a cardholder using a cardholder computer device in communication with a merchant computer device of a merchant, wherein the cardholder computer device is associated with a vehicle.
08/28/14
20140244503
System and method for automatic thresholding for payment card spend control
A method for providing an automatic threshold for payment card controls includes: storing historical data for financial transactions involving a payment card; receiving an automatic threshold request, the request including a threshold model and a card use control; identifying a use threshold associated with the card use control based on an application of the threshold model to the historical data; receiving an authorization request for a financial transaction involving the payment card, the request including transaction data related to the financial transaction; and identifying if the use threshold is exceeded based on the transaction data and the card use control, wherein if the use threshold is exceeded, transmitting an authorization response indicating the threshold has been or will be exceeded by the financial transaction, and, if the use threshold is not exceeded, transmitting, an authorization response indicating approval with respect to not exceeding the threshold of the financial transaction.. .
08/28/14
20140244498
Bank transactions feed
Disclosed are electronic systems and techniques for implementing a banking transaction and feed display system are provided that allow a user to visualize and interact with a financial transaction feed displayed on a mobile device. The feed displays a list of transactions made over a defined period of time, and the user selects different views, grouping the financial transactions by type, by recipient, by donor, by amount, and so on.
08/28/14
20140244489
System and method for collecting and disbursing electronic gratuities
The present invention relates to systems and methods for collecting and disbursing electronic gratuities. According to one embodiment, a device for submitting gratuities by credit card is provided at a place of business or other appropriate location.
08/28/14
20140244480
Systems and methods for providing a user interface for facilitating personal payment transactions
Systems and processes are disclosed for providing customized user interfaces for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may generate a dynamic and customized interface for effecting the personal payment transaction by, for example, providing one or more options for the payer to fund the payment.
08/28/14
20140244479
Process for utilizing web data in making lending decisions
The disclosure relates to a process for utilizing web data, primarily obtained from social media websites in lending decisions business loan. Using the process, a lender can utilize publicly available data regarding a loan applicant, and evaluate that data in conjunction with other information to make lending decisions.
08/28/14
20140244476
Continuous dialog to reduce credit risks
A financial interaction related to personal data analytics and behavioral data is facilitated. The financial interaction drives behaviors to affect a real-time credit risk, and provides direct feedback during the financial interaction.
08/28/14
20140244451
E-commerce transaction verification system and method
An e-commerce transaction verification system creates documentary verifications of e-commerce transactions between merchants and customers. The system is implemented on a host server cooperating with a program module on the merchant's e-commerce server.
08/28/14
20140244446
System and method for presenting and facilitating online transactions of apparel and other goods
Techniques are disclosed for presenting and facilitating web-based commercial transactions. In some embodiments, the method includes locating a primary and a secondary interfaces, wherein the primary interface includes at least a first button that enables a user to select for entering the secondary interface, displaying a first look on the primary interface to the user, wherein the first look includes a plurality of components which together represent the first look, and upon the user selecting the first button, presenting the secondary interface comprising a plurality of subpages, wherein each subpage enables the user to purchase a corresponding component.
08/28/14
20140244436
System and method for providing combination packages
In various exemplary embodiments, a system and method to provide customized combination packages is disclosed. The method includes receiving a selection of a plurality of items from a potential buyer, the selection of the plurality of items creating a customized combination package.
08/28/14
20140244432
E-commerce system with personal price points
An ecommerce system is disclosed that uses personal price points (alone or in combination with other buying criteria) to trigger certain automated retail transactions. The system includes a customer interface engineered to allow a customer to either buy merchandise in accordance with retailer-defined selling criteria (including at least an “offered price point”) or to tag merchandise with customer-definable buying criteria (including at least an “acceptable price point”).
08/28/14
20140244425
System and method for presenting and facilitating online transactions of apparel and other goods
Techniques are disclosed for presenting and facilitating web-based commercial transactions. In some embodiments, the method includes displaying a first interface that includes: (a) a fashion look, the fashion look including a plurality of components which together represent the fashion look, and (b) a selectable link which, upon selection by a customer, directs the customer to a second interface.
08/28/14
20140244420
Group formation and dynamic pricing for e-commerce in social networks
A system platform and associated methods are provided for implementing online reverse auctions in a social network platform (snp). A fully-automated, live, reverse-auction based system is integrated into an snp to enable buyers to initiate desired transactions and take advantage of a subscribers' network of friends, colleagues, co-workers, family members and connections by connecting buyers and sellers in a non-intrusive, targeted fashion.
08/28/14
20140244419
Implementing auctions on social network platforms
A system platform and associated methods are provided for implementing online reverse auctions in a social network platform (snp). A fully-automated, live, reverse-auction based system is integrated into an snp to enable buyers to initiate desired transactions and take advantage of a subscribers' network of friends, colleagues, co-workers, family members and connections by connecting buyers and sellers in a non-intrusive, targeted fashion.
08/28/14
20140244414
Money transfer system having location based language and dynamic receipt capabilities
A method for operating a transaction processing system to provide location based language capabilities and dynamic receipts in connection with money transfer services. One embodiment includes storing, in a database, information representative of transaction location based attributes and associated one or more languages, and storing information representative of receipt field attributes and associated receipt fields.
08/28/14
20140244353
Systems and methods to enhance search data with transaction based data
In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store data recording the transactions, a portal configured to communicate with a search engine and to provide a user interface to receive a request from a merchant, and at least one processor coupled with the data warehouse and the portal. In response to the request received from the merchant via the portal, the at least one processor identifies a set of first statistics based on search activities of the search engine, identifies a set of second statistics based on the transactions relevant to the search activities, and uses the portal to juxtapose the set of first statistics and the set of second statistics..
08/28/14
20140244352
Systems and methods to provide intelligent analytics to cardholders and merchants
In one aspect, a computing apparatus includes: a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed by the transaction handler, a portal coupled with the data warehouse to receive one or more parameters as an input and to provide spending activity information for presentation as a response to the input, and an analytics engine coupled with the portal and the data warehouse to analyze spending activities of a user based on the transaction data and the one or more parameters to generate the spending activity information regarding transactions in a plurality of accounts of the user.. .


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