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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


Dynamic content for online transactions

Ebay

Dynamic content for online transactions

Systems and methods for individualized customer retail services using rfid wristbands

Systems and methods for individualized customer retail services using rfid wristbands

Systems and methods for individualized customer retail services using rfid wristbands

International Business Machines

Reordering the output of recirculated transactions within a pipeline

Date/App# patent app List of recent Transaction-related patents
03/26/15
20150089605
 Enabling digital transactions with credential provided by interaction with an object patent thumbnailnew patent Enabling digital transactions with credential provided by interaction with an object
A computer-implemented method includes, at a device running an application, and in response to a user attempting to enable or use an aspect of said application, using said device to obtain image information about an object, said object including indicia, and said image information comprising information about said indicia; using said image information to ascertain identifier information for an object; providing said identifier information to an authorization service; and responsive to said providing in (c), obtaining a response from said authorization service, said response comprising a credential; and (d) using said credential within said application to enable or use said aspect of said application. The aspect of said application to be enabled or used may be (i) a feature of said application; (ii) an amount of a virtual currency within said application; (iii) a reward within said application; or (iv) a purchase within said application..
Evrythng Limited
03/26/15
20150089255
 Throttling device power patent thumbnailnew patent Throttling device power
An apparatus and system for throttling i/o devices in a computer system is provided. In an example, a method for throttling device power demand during critical power events.
03/26/15
20150089128
 Reordering the output of recirculated transactions within a pipeline patent thumbnailnew patent Reordering the output of recirculated transactions within a pipeline
A mechanism is provided for recirculating transactions within a pipeline while reordering outputs. A set of transactions associated with a block of data is received and each transaction in the set of transactions is processed via the pipeline.
International Business Machines Corporation
03/26/15
20150089042
 Dynamic discovery of applications, external dependencies, and relationships patent thumbnailnew patent Dynamic discovery of applications, external dependencies, and relationships
A monitoring system is arranged for automatically and dynamically discovering local applications running on servers in an enterprise-scale service environment as well as discovering external resources (both partitioned and non-partitioned resources) that the local applications use. The discovered objects and their dependencies are instantiated into a health map and the map is dynamically updated as applications and resources are added to and deleted from the enterprise-scale service environment.
Microsoft Corporation
03/26/15
20150088959
 Method and system for automated transaction analysis patent thumbnailnew patent Method and system for automated transaction analysis
The present invention relates to a method and a system to automate identification of transactions. The method comprises receiving raw log files from a transaction device into a log collector, storing the raw log files to a log storage, processing the raw log files by a log parser unit to remove the fields and the entries of the raw log files that are not relevant for the transaction identification analysis, identifying of at least one session of at least one user by clustering the processed one or more entries from a single user session using at least one session identifier unit, identifying at least one user path that is followed by at least one user during a single user session, identifying at least one entry point from the identified single user path and determining at least one transaction and at least one sub transaction from the identified entry point..
Infosys Limited
03/26/15
20150088771
 Financial and social management system patent thumbnailnew patent Financial and social management system
Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities.
Bank Of America Corporation
03/26/15
20150088758
 Authenticating users to atms and other secure machines for cardless transactions patent thumbnailnew patent Authenticating users to atms and other secure machines for cardless transactions
Systems, apparatus, methods, and computer program products for using quick response (qr) codes for authenticating users to atms and other secure machines for cardless transactions are disclosed. Embodiments of the present disclosure read an image displayed on a display of an external device using a mobile device associated with a user authorized to access a secure resource, decode transaction information encoded in the image, transmit the transaction information and an identifier of the mobile device from the mobile device to an authentication system, and grant access to the secure resource if the transaction information and the identifier satisfy an authentication test performed at the authentication system..
Ca, Inc.
03/26/15
20150088756
 Secure remote payment transaction processing including consumer authentication patent thumbnailnew patent Secure remote payment transaction processing including consumer authentication
Embodiments of the invention are directed to methods, apparatuses, computer-readable media, and systems for securely processing remote transactions. One embodiment is directed to a method of processing a remote transaction initiated by a communication device.
03/26/15
20150088755
 Systems, methods, and devices for improved transactions at a point of sale patent thumbnailnew patent Systems, methods, and devices for improved transactions at a point of sale
Techniques for improved point of sale (pos) transactions are disclosed. The techniques include a pos terminal that receives biometric data from a consumer, determines an encryption key based on the biometric data, and transmits the encryption key to a mobile device associated with the consumer to cause the mobile device to decrypt a consumer key and transmit an indication of a successful decryption.
Whirl, Inc.
03/26/15
20150088752
 Methods, apparatus, systems and computer readable mediums for anonymized identification of payment card accounts belonging to a same entity patent thumbnailnew patent Methods, apparatus, systems and computer readable mediums for anonymized identification of payment card accounts belonging to a same entity
In one embodiment, a method includes receiving, by a processing device, data representing a plurality of payment card transactions made in association with payment card accounts, the data including personally identifiable information; anonymizing, by a processing device, the data by hashing the personally identifiable information; determining, by a processing device, a plurality of the payment card accounts that belong to a same entity based on the hashed personally identifiable information without decoding the hashed personally identifiable information to recover the personally identifiable information; and identifying, by a processing device, the determined plurality of payment card accounts as belonging to the same entity.. .
Mastercard International Incorporated
03/26/15
20150088751
new patent

Transaction verification system based on user location


Embodiments of the invention provide misappropriation protection with user location verification. The methods, apparatus and computer program products provide for approving a transaction based at least partially on a determining that a mobile device associated with an account holder associated with a transaction is located within a predetermined distance from the location associated with the transaction.
Bank Of America Corporation
03/26/15
20150088750
new patent

Method, apparatus, and system for performing online transactions with biometric authentication


An apparatus, system and method for conducting financial and other transactions using a wireless device are provided. A computing device includes a display screen, a user input interface, and one or more processors.
03/26/15
20150088746
new patent

Method and system for implementing financial transactions


A method for implementing a financial transaction via a user device is disclosed. The method involves receiving financial transaction information used to generate an alphanumeric secure transaction code that binds the received information to the financial transaction, receiving information from a user device that includes the secure transaction code and a voice entry of the secure transaction code, verifying that the voice entry of the secure transaction code corresponds to a voice authentication master (vam) file of a registered user, verifying that the received secure transaction code is a valid secure transaction code and, if both are verified authorizing the financial transaction and sending an indication that the financial transaction has been authorized to the user device.
Saypay Technologies, Inc.
03/26/15
20150088745
new patent

Account identification


A method of account identification is performed on suitably programmed computing apparatus. An account number comprising a plurality of numeric characters is assigned to an account.
Mastercard International Incorporated
03/26/15
20150088742
new patent

Apparatus and secured commercial transactions


A transaction security code database and a method and apparatus for generating the transaction security code database. The transaction security code database is comprised of multiple transaction security codes, each transaction security code constituting a transaction code generated based upon a transaction initiated by a user, which is appended to or linked to a security code which is based upon a biometric sensor code generated by a biometric sensor from a biometric presentation of a biometric feature of the user..
03/26/15
20150088740
new patent

System and managing financial transactions based on electronic check data


A system and method of transmitting a check-type payment between a payor and a payee using a third-party service includes registering a payor, receiving a check-type payment request from the payor by the third-party service, generating a unique identifier for the check-type payment request and associating payment information with the unique identifier, transmitting a payment notice to the payee, receiving a deposit request to a deposit account from the payee by the third-party, generating a depositable item responsive to the deposit request, and depositing the depositable item into the deposit account by the third-party service.. .
Verify Valid, Llc
03/26/15
20150088739
new patent

Life occurrence handling and resolution


A method is disclosed herein in accordance with an embodiment of the present invention. The method may include deriving at a mobile transaction platform a multi-dimensional context from one or more user transactions and determining at least one life occurrence based, at least in part, on the multi-dimensional context.
C-sam, Inc.
03/26/15
20150088738
new patent

Transaction systems, and related methods


A portable device configured to enable completion of transactions. The portable device comprises an input mechanism arranged to enable input of an identifier into the portable device, and a selection mechanism arranged to enable the user to select a payment mechanism to be associated with the identifier.
Mastercard International Incorporated
03/26/15
20150088733
new patent

System and ensuring safety of online transactions


Online transaction security is improved by detecting a start of an online financial transaction between a user-controlled online transaction application and a remote payment service. A protected data input module, a protected environment module, and a safe data transfer module each provides a corresponding set of protection operations.
Kaspersky Lab Zao
03/26/15
20150088730
new patent

Inbound integrated production messages transaction file splitter


A payment card transaction clearing system includes a payment card network. A file distribution system coupled to the payment card network includes a split processor configured to receive a batch of payment card transaction records from the payment card network, and split the batch of payment card transactions into one or more split files according to one or more processing agreements.
Mastercard International Corporation
03/26/15
20150088717
new patent

Linking users and transactions through activity information in a financial and social management system


Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, contact lists, calendars, and the like, and associates the activity information and images with the activities.
Bank Of America Corporation
03/26/15
20150088698
new patent

Mobile transactions with a kiosk management system


A method and system of conducting a mobile transaction with a kiosk management system operating a plurality of kiosks for requested items is provided. A consumer may possess a portable device configured to communicate with the kiosk management system such that the kiosk management system may provide requested items to a selected kiosk from the plurality of kiosks.
Amazon Technologies, Inc.
03/26/15
20150088693
new patent

Method for displaying and navigating internet search results


Systems and methods are used to efficiently and conveniently navigate, display, and complete interactions with on-line sources of information. A user interface may display information from separate and independent sources through two or more portals on a single web page.
03/26/15
20150088678
new patent

Dynamic content for online transactions


In one example, a method of providing dynamic content includes providing a client device with access to an online marketplace over a network. The method also includes facilitating transmission of a user identifier stored by the client device to a payment service provider.
Ebay Inc.
03/26/15
20150088674
new patent

Systems and methods for incorporating qr codes


Systems and methods for facilitating payment transactions using quick-response (qr) codes are provided. A first machine readable code encoding first data generated by an access device is scanned by a communication device.
03/26/15
20150088670
new patent

Real estate business collaboration and growth techniques


Various technologies and techniques are disclosed for real estate business collaboration and growth. A real estate business system includes a lead generation module, collaboration module, and paperless office module for integrating various features together to advance one or more real estate transactions.
Realeflow, Llc
03/26/15
20150088643
new patent

Method and system for linking social data instantaneously to purchase transactions


A method for generating a social network message linked to a payment transaction includes: storing a plurality of consumer profiles, each profile including data related to a consumer including a consumer identifier, social network identifier, device identifier, and preferences; receiving an authorization request for a payment transaction, the request including transaction data and a specific consumer identifier; identifying a specific consumer profile wherein the included consumer identifier corresponds to the specific consumer identifier; generating a social network message, the message including the transaction data and the social network identifier included in the specific consumer profile and generated pursuant to the preferences included in the specific consumer profile; transmitting the social network message to a computing device corresponding to the device identifier included in the specific consumer profile; receiving an indication of approval of the social network message; and transmitting the social network message to a social network for publishing.. .
Mastercard International Incorporated
03/26/15
20150088633
new patent

Systems and methods to redeem loyalty rewards during payment transactions


A system including a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing a user of a payment account, into separate transactions with the issuer processor and one or more sponsor processors in control of reward accounts of the user for the redemption of loyalty rewards. User preferences and rules of the loyalty programs for the redemption of the loyalty rewards are stored to facilitate the determination of the redemption details in an automated way, such that the user (and/or the merchant) does not have to specify the redemption details.
Visa International Service Association
03/26/15
20150088630
new patent

System and viral purchasing


A system and method are provided for encouraging online shoppers to share online purchase transactions. Included are online advertisements or offers at the point of checkout.
03/26/15
20150088626
new patent

Systems and methods to reserve and release rewards for redemption during payment transactions


A system including a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing a user of a payment account, into separate transactions with the issuer processor and one or more sponsor processors in control of reward accounts of the user for the redemption of loyalty rewards. The transaction handler may communicate with the sponsor processors in parallel or in sequence to reserve and release rewards, and may provide a partial authorization for the transaction in response to each authorization for reward redemption from a respective reward account without a subsequent, updated authorization request for the transaction in the payment account of the user..
Visa International Service Association
03/26/15
20150083803
new patent

Systems and methods for individualized customer retail services using rfid wristbands


An rfid bracelet, wristband or other ticketing medium having an embedded rfid chip, is provided by an issuing organization such as a sports franchise and is utilized by a customer, such as a season ticket holder, for example. The bracelet tracks the customer's consumer behavior and provides incentives to use the bracelet, such as individualized targeted discounts on merchandise and concessions at an event.
03/19/15
20150082415

Method and system for providing secure transactions via a broadband gateway


A broadband gateway may be used to authorize transactions associated with one or more accounts, which may be associated with a user of the broadband gateway. The transaction may be handled by the broadband gateway.
Broadcom Corporation
03/19/15
20150082160

Method and 3d display and analysis of disparate data


The system provides a method and apparatus for sorting and displaying collections of communications. These communications can be a single type or multiple types of data and may come from email systems, bulletin boards, text messages, facebook and twitter postings and comments, financial transactions, travel itineraries or any other type of communications.
Bitvore Corporation
03/19/15
20150082085

Multi-transactional system using transactional memory logs


Techniques are disclosed for generating a multi-transactional system using transactional memory techniques. According to certain embodiments, a device may include a memory, one or more processing entities, and a transactional memory system for maintaining a plurality of transactional memory (tm) logs in a first portion of the memory.
Brocade Communications Systems, Inc.
03/19/15
20150081986

Modifying non-transactional resources using a transactional memory system


Techniques are provided for reliable and efficient access to non-transactional resources using transactional memory. In certain aspects, a device may include memory and one or more processing entities, configurable to execute a first transaction comprising one or more write operations to a first memory address, and a second transaction comprising one or more write operations to a second memory address.
Brocade Communications Systems, Inc.
03/19/15
20150081937

Snoop and replay for bus communications


Systems and devices configured to implement techniques for ensuring the completion of transactions while minimizing latency and power consumption are described. A device may be operably coupled to a bidirectional communications bus.
Nvidia Corporation
03/19/15
20150081645

Systems and methods for supporting transactional message handling


In accordance with embodiments disclosed herein, there are provided methods, systems, and apparatuses including, for supporting transactional message handling in an on-demand service environment including, for example: enqueuing a message specifying a transaction to be processed via a host organization; inserting a row into a database of the host organization associating the message with a status of pending, wherein the row is autocommitted to the database upon insertion; updating the status for the row to ready if a commit operation for the transaction is initiated; requesting a lock on the row; and performing final processing for the transaction based on the status for the message and based further on whether the lock is obtained for the row. Final processing may include, for example, a transaction roll back, a transaction commit, a transaction requeue, a termination of transaction processing, or an orphaned transaction clean up..
Salesforce.com, Inc.
03/19/15
20150081639

Optimizing the number and type of database backups to achieve a given recovery time objective (rto)


A method of optimizing the number and type of database backups to achieve a given rto is provided and may include receiving a rto and receiving a heuristic for determining an amount of unencumbered processing time. A type of next backup, (i.e., a next backup), is determined wherein the type of next backup is an incremental backup when the sum of the heuristic, and the times to: restore the latest full backup, restore zero or more incremental backups, complete a current incremental backup, and perform a full backup is less than the received rto, else the type of the next backup is a full backup.
International Business Machines Corporation
03/19/15
20150081623

Method for performing transactions on data and a transactional database


Embodiments include an evaluator that can receive a query containing a predicate from an application executing on a client device. The evaluator can process the predicate using a tree structure containing nodes representing objects and edges representing relationships thereof.
Open Text Software Gmbh
03/19/15
20150081590

System and analyzing the performance of mortgage-backed securities and identifying potential mortgage borrowers


A method for analyzing and forecasting the performance of a mortgage-backed security or pool thereof comprises the steps of collecting actual data relating to mortgage loan transactions and property valuations, determining whether the property value for a particular real property is above or below a current mortgage balance, and associating a performance rating to the real property based on such determination. A method for identifying potential mortgage borrowers comprises the steps of collecting actual data relating to client information and real estate listings, determining whether a client listed therein may be in need of a new mortgage loan, and notifying one or more third-parties of such determination.
03/19/15
20150081566

Direct digital cash system and method


Methods and systems are provided for the exchange of digital cash employing protocols for various entities to separately certify the validity of the parties, values and transactions while maintaining the anonymity of the buyer or user of the digital cash. Encrypted connections are established allowing various parties to enter into transactions to buy, sell, exchange and recover digital cash using a secure method that protects the personal information and identity of the user.
03/19/15
20150081561

Multi-party transaction payment network bridge apparatus and method


A system, method, and computer-readable storage medium configured to enable commodity voucher transactions.. .
Mastercard International Incorporated
03/19/15
20150081559

Near-field communication (nfc) method, apparatus, and system with biometric authentication


An apparatus, system and methodology for conducting financial and other transactions using a wireless computing device are provided. The wireless device includes a display screen, a user input interface, one or more processors, and at least one memory device.
03/19/15
20150081558

Authentication method and system


Provide herein is a method and system capable of authenticating transactions involving at least one service provider and one or more users who are each in electronic communication. This electronic communication can be, for example, sms, mms, e-mail, or online account messaging.
Bookit Oy Ajanvarauspalvelu
03/19/15
20150081557

Method of processing payment transactions


A method of processing a transaction associated with a transaction instrument includes providing a server, receiving an update message at the server which includes data to assign a transaction use case associated with the transaction instrument, the server identifying a device user, a device or both and the associated transaction instrument, the server updating the stored transaction use case state associated with the transaction instrument, receiving a transaction request against the transaction instrument from a transaction requestor, the server classifying the transaction use case to determine a classified transaction use case associated with respect to the transaction instrument, the server determining whether the stored state of the classified transaction use case is an allowed or disallowed state, and transmitting a message to the transaction management system containing data confirming the state of the classified transaction use case, providing a general response of allowed or disallowed, or both.. .
03/19/15
20150081556

Mobile device payments


Methods, systems, and apparatus, including computer programs encoded on computer storage media, for conducting cardless payment transactions. One of the methods includes receiving from a merchant computer an indication of a payment transaction by a user associated with a mobile phone number.
Square, Inc.
03/19/15
20150081555

Method, apparatus, and system for processing transactions


A method, apparatus, and system for processing transactions are disclosed in the field of internet communication. The method includes: a first terminal device transmits a user id of a first party and an account id of a user account to a computer system; the computer system generates an authorization id according to the account id and the user id, creates a corresponding relationship between the authorization id and the account information of the user account, and transmits the authorization id to the first terminal device; a second terminal device acquires the authorization id from the first terminal device and transmits transaction information of a transaction and the authorization id to the computer system; the computer system reduces the transaction value from a first value included in the user account of the first party and adds the transaction value to a second value included in the user account of the second party..
Tencent Technology (shenzhen) Company Limited
03/19/15
20150081550

Remote transaction processing using biometrics


In various embodiments, transactions among consumers, merchants, and transaction-processing entities are processed and authorized at least in part on the basis of biometric indicia obtained from the consumers.. .
Scvngr, Inc.
03/19/15
20150081549

Methods and systems for screening electronic money transfer transactions


A computer-implemented method for processing a real-time money transfer with a screening payment network having a screening module communicatively coupled to a server computing device is provided. The method includes receiving a request to transfer funds from a payor account associated with an originating institution to a payee account associated with a receiving institution.
Mastercard International Incorporated
03/19/15
20150081546

Systems and methods for authentication of an entity


A method and system for remote authentication of a first entity by a second entity is provided. The method involves the second entity conveying at least a registration web link to the e-mail address of a first entity; processing a transaction amount on a payment card of the first entity using the payment card number of the first entity; and processing at least two (2) payment card refund transaction amounts on a payment card acceptance account of the first entity.
Mastercard International Incorporated
03/19/15
20150081545

Secure payment by mobile phone


Some embodiments include a system and a method for making secure payments by mobile phone. Some embodiments identify and authorize payments without the need of any specialized payment transaction processing equipment other than a mobile phone for each of a consumer and a merchant engaged in the transaction.
03/19/15
20150081544

Physical interaction dependent transactions


Systems and methods are provided according to one or more embodiments for conducting transactions based on actions or gestures such as physical interactions between users each having a user device. In that regard, gestures such as a handshake or other physical interactions between users may be detected to determine transaction details such as a payment amount or a value to be transferred from one user via a user device to a recipient via a recipient device.
03/19/15
20150081540

Mobile wallet payment vehicle preferences


In general, apparatuses, methods and computer program products for making contactless financial transactions utilizing a mobile wallet are disclosed. Particularly, a mobile wallet application is disclosed that utilizes, at least in part, user specific data to generate a payment vehicle recommendation for different transactions.
Bank Of America Corporation
03/19/15
20150081536

Demand deposit account payment system


A method and system for processing dda payment transactions including generating a private virtual identifier, associating the private virtual identifier with a dda, and generating a public virtual identifier associated with the private virtual identifier. The method can also include distributing the public virtual identifier to consumers, receiving a dda payment request from a billing entity including the public virtual identifier, retrieving the private virtual identifier in response to receipt of the public virtual identifier, and processing the dda payment request using the private virtual identifier to facilitate payment to the billing entity on behalf of the consumer.
Mastercard International Incorporated
03/19/15
20150081533

Gift card e-bank


Disclosed herein are method, system and computer-readable storage media for gift card e-banking. This is a unique platform, where people can deposit and withdraw gift cards of any store, of any denomination, at any time and at any place from the bank.
03/19/15
20150081519

Dynamic pricing for financial products


An aspect of product pricing includes classifying customers into groups based on shared, predefined characteristics and financial transactions, and identifying services rendered and available but not rendered. For each customer, a risk associated with a service is estimated; availability and prices of the service by third parties are determined; a price for the service set by the entity is compared with the prices set by the third parties; and a demand for the service of the entity is estimated as a function of the availability and prices of the service by the third parties.
International Business Machines Corporation
03/19/15
20150081517

Derivatives trading platform unique package id


A system and method for implementing a unique trade package identification number to be associated with a trade package and the constituent individual transactions associated with the trade package, such that the unique trade package identification number allows for more efficient correlation of trade packages and constituent individual transactions.. .
Trueex Group Llc
03/19/15
20150081496

System and an integrated financial management tool


A system and method for integrating and facilitating customer experience provides a user a one-stop location for acquisition of products and services, servicing of products and services, transaction processing, and internal and external financial account management. Once a user registers an individual customer during an activation session, which may include entry of that customer's internal or external account information, the system manages multiple accounts for the customer in accordance with system and user defined rules providing a means to acquire and service products and services, as well as to receive disbursements to external accounts from the system.
State Farm Mutual Automobile Insurance Company
03/19/15
20150081492

Transactional risk daily limit update alarm


Embodiments relate to a transactional risk daily limit (trdl) update alarm. Customer data including historical transaction data and customer profile data is accessed, along with economic data from an external data source.
International Business Machines Corporation
03/19/15
20150081491

Intraday cash flow optimization


Embodiments relate to intraday cash flow optimization. Transactions are accessed on a business-to-business integration network from a plurality of sources linked with payment delivery system data from a financial service system.
International Business Machines Corporation
03/19/15
20150081483

Intraday cash flow optimization


Embodiments relate to intraday cash flow optimization. Transactions are accessed on a business-to-business integration network from a plurality of sources linked with payment delivery system data from a financial service system.
International Business Machines Corporation
03/19/15
20150081482

Analytics-driven automated reconciliation of financial transactions


Embodiments relate to analytics-driven automated reconciliation of financial transactions. External information is correlated with a plurality of financial transaction reconciliation exceptions associated with a sequence of financial transactions over a period of time.
International Business Machines Corporation
03/19/15
20150081481

Analytics-driven automated reconciliation of financial transactions


Embodiments relate to analytics-driven automated reconciliation of financial transactions. External information is correlated with a plurality of financial transaction reconciliation exceptions associated with a sequence of financial transactions over a period of time.
International Business Machines Corporation
03/19/15
20150081458

Systems and methods for managing consumer transaction-based investments


The field of the invention relates to systems and methods for controlling investment funds, and more particularly to systems and methods for real-time projections based on consumer transactions. In one embodiment, an investment fund management system may include a consumer communication device configured to create a payment gateway with a point of sales (pos) terminal.
03/19/15
20150081447

Track data point-of-sale platform


In various embodiments, the present invention is directed to a computer-implemented method for a track data point-of-sale platform. The computer-implemented method comprises receiving a transaction request by a processor configured to process point-of sale transactions.
Cortex Mcp, Inc.
03/19/15
20150081407

Business transactions using trust based instrument


The embodiments herein disclose methods and systems for trust based transactions between entities. The method comprises the step of inviting one or more entities to register on the et platform, allowing one more issuing entities to set campaign and/or contract, distributing and activating trustswaptions to receiving entities, allowing the receiving entities to redeem the trustswaptions, and measuring the campaign progress and evaluating roi from the campaign.
Zenmesh Private Limited
03/19/15
20150081378

Transactional risk daily limit update alarm


Embodiments relate to a transactional risk daily limit (trdl) update alarm. Customer data including historical transaction data and customer profile data is accessed, along with economic data from an external data source.
International Business Machines Corporation
03/19/15
20150081377

Dynamic pricing for financial products


An aspect of product pricing includes classifying customers into groups based on shared, predefined characteristics and financial transactions, and identifying services rendered and available but not rendered. For each customer, a risk associated with a service is estimated; availability and prices of the service by third parties are determined; a price for the service set by the entity is compared with the prices set by the third parties; and a demand for the service of the entity is estimated as a function of the availability and prices of the service by the third parties.
International Business Machines Corporation
03/19/15
20150081329

Systems and methods for health care credit transactions


Systems, methods, and computer program media for exchanging freely transferrable health care credits are described. Health care credits are issued by a first entity to a second entity for satisfying metrics of good health over a predetermined time period.
Stage 5 Innovation, Llc


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