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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


Session-based server transaction storm controls

Session-based server transaction storm controls

Comparing database performance without benchmark workloads

Comparing database performance without benchmark workloads

Comparing database performance without benchmark workloads

Dynamic storage blocks tiering

Date/App# patent app List of recent Transaction-related patents
11/13/14
20140337635
 Biometric verification with improved privacy and network performance in client-server networks patent thumbnailBiometric verification with improved privacy and network performance in client-server networks
The present invention relates to improving the privacy of biometric information used in biometric authentication of identity by retaining all biometric information corresponding to a given user, and conducting all transactions related thereto (i.e., the actual authentication process) on a client (i.e., user) side of the system, thereby maximizing the user's control over biometric information corresponding to himself and preventing the storage of biometric templates on third-party servers outside of the control of the concerned individual. In a particular example of the present invention, security for the biometric information is further enhanced by encrypting the biometric template (used as a comparison reference during authentication, as is known) stored on the client side and completely destroying an original unencrypted version of the template.
11/13/14
20140337523
 Session-based server transaction storm controls patent thumbnailSession-based server transaction storm controls
Transaction storm detection includes receiving a series of transactions in a data stream for an authenticated network session. A detection engine determines whether the transactions form a transaction storm.
11/13/14
20140337364
 Comparing database performance without benchmark workloads patent thumbnailComparing database performance without benchmark workloads
Database operation records are sequentially read from two or more log files. If the transaction identifier is new and the record is not an end-of-transaction record, an open transactions list entry is created.
11/13/14
20140337360
 Dynamic storage blocks tiering patent thumbnailDynamic storage blocks tiering
Storage management for database access, in which selected data blocks are associated with particular business operations, and in which those data blocks are disposed in response to an assessment of which of those business operations are more important, more urgent, or have a greater need to be reliable. This has the effect that overall transaction performance is improved without significantly increasing infrastructure cost.
11/13/14
20140337303
 Bandwidth optimized two-phase commit protocol for distributed transactions patent thumbnailBandwidth optimized two-phase commit protocol for distributed transactions
A processing device executing a transaction manager sends prepare messages to a plurality of participants of a two-phase commit distributed transaction. Responsive to receiving commit responses from each of the plurality of participants, the processing device commits the two-phase commit distributed transaction.
11/13/14
20140337283
 Comparing database performance without benchmark workloads patent thumbnailComparing database performance without benchmark workloads
Database operation records are sequentially read from two or more log files. If the transaction identifier is new and the record is not an end-of-transaction record, an open transactions list entry is created.
11/13/14
20140337272
 Systems and methods for interactive displays based on associations for machine-guided rule creation patent thumbnailSystems and methods for interactive displays based on associations for machine-guided rule creation
This disclosure provides a computer-program product, system, method and apparatus for accessing a representation of a category or item and accessing a set of multiple transactions. The transactions are processed to identify items found amongst the transactions, and the items are ordered based on an information-gain heuristic.
11/13/14
20140337271
 System for efficiently generating k-maximally predictive association rules with a given consequent patent thumbnailSystem for efficiently generating k-maximally predictive association rules with a given consequent
This disclosure provides a computer-program product, system, method and apparatus for accessing a representation of a category or item and accessing a set of multiple transactions. The transactions are processed to identify items found amongst the transactions, and the items are ordered based on an information-gain heuristic.
11/13/14
20140337241
 Method and apparatus for maintaining high data integrity and for providing a secure audit for fraud prevention and detection patent thumbnailMethod and apparatus for maintaining high data integrity and for providing a secure audit for fraud prevention and detection
Any of various comparisons of computer folders from different points in time is performed. Such comparisons provide the ability to discover missing documents or documents with modification dates that have changed when there would otherwise have been no need to change them and thus allows discovery of missing documents to discover fraud or to search for evidence after a fraud is suspected.
11/13/14
20140337238
 Method and system for handling sensitive data in a content delivery network patent thumbnailMethod and system for handling sensitive data in a content delivery network
Using cryptographic techniques, sensitive data is protected against disclosure in the event of a compromise of a content delivery network (cdn) edge infrastructure. These techniques obviate storage and/or transfer of such sensitive data, even with respect to payment transactions that are being authorized or otherwise enabled from cdn edge servers..
11/13/14
20140337232
Transaction validation by location based services (lbs)
A commercial transaction is associated with a current location of a wireless device having location services enabled at the time of the transaction. The current location is compared to an entry in a database of associated merchants accepting transactions to the locations that they handle such transactions.
11/13/14
20140337231
Depilation device
A method of pre-allocating amounts for payment transactions comprising: receiving by a payment service server a registration request to the service from a user's communication device, the registration request comprising information related to the user's payment means; allocating by the payment service a user id to the user's communication device; receiving by the payment service server a request for allocating a sum of money from the user's communication device, the request comprising the user id; checking by the payment service server if the sum may be allocated to the user; allocating by the payment service server the sum of money to the user; and sending by the payment service server a session id to the user.. .
11/13/14
20140337227
System and method of selecting a virtual card application
A novel system and methodology for conducting financial and other transactions using a wireless device. Credentials may be selectively issued by issuers such as credit card companies, banks, and merchants to consumers permitting the specific consumer to conduct a transaction according to the authorization given as reflected by the credential or set of credentials.
11/13/14
20140337226
System and method for card processing with automated payment of club, merchant, and service provider fees
An apparatus and methods for a card that allows a cardholder to set up auto-charge payment of dues and fees to a series of clubs, merchants or service providers. The card also may be used for other transactions that accept credit cards.
11/13/14
20140337225
Biometric-based transaction fraud detection
A method of identifying potentially fraudulent electronic transactions at an electronic transaction device may involve the transaction device receiving a transaction request for an electronic transaction. The transaction request may include a biometric credential sample and an authentication credential.
11/13/14
20140337221
Systems and methods for biometric authentication of financial transactions
Systems and methods are provided for authorizing a user in connection with a transaction at a transaction terminal. The systems and methods described herein enable a series of operations whereby a user using a mobile device can capture a code that uniquely identifies a transaction terminal.
11/13/14
20140337218
Fraud prevention for transactions
Methods, systems, and apparatus include computer programs encoded on a computer-readable storage medium, and include a method for fraud prevention. A method includes receiving registration information for a user, including identities of the user and an authenticating device and a payment source identifier, and storing the registration information.
11/13/14
20140337217
Card present fraud prevention method using airline passenger detail
A system, method, and computer-readable storage medium configured to process cross-border transactions involving payment cards.. .
11/13/14
20140337216
Fraud prevention for transactions
Methods, systems, and apparatus include computer programs encoded on a computer-readable storage medium, and include a method for fraud prevention. A method includes receiving registration information for a user, including identities of the user and an authenticating device and a payment source identifier, and storing the registration information.
11/13/14
20140337213
Automated teller machine enabling video consultation with consultant during financial transactions and transaction method using the same
Disclosed is an automated teller machine (atm) which includes a financial transaction input unit to receive input of a financial transaction request, a first communication unit to communicate with a first server to process at least part of a plurality of steps corresponding to the financial transaction request, a consulting service input unit to receive input of a request for a consulting service associated with the financial transaction request in the plurality of steps, an identification unit to identify a step in which the request for the consulting service is input in response to the consulting service request among the steps, a generation unit to generate financial transaction information corresponding to the identified step, and a second communication unit to request a consulting service associated with the identified step to a second server based on the financial transaction information.. .
11/13/14
20140337210
Methods and systems for routing payment transactions
Methods and systems for routing payment transactions electronically involve interrogating by computer logic each payment transaction received by a payments interface processor to identify a payment destination and a payment source and to determine, according to pre-defined parameters, whether the payment transaction is eligible for processing via an internal payment transaction processor of the financial institution that minimizes processing costs. Eligible payment transactions may be routed, for example, to an internal debit or credit card processor or ach processor, and ineligible payment transactions may be routed to external card processing networks..
11/13/14
20140337208
Partner portal solution for financial sector
A banking portal system including a processor, memory coupled to the processor, a configuration storage including configuration data stored in a computer-readable storage medium, the configuration data including user information for a plurality of users registered with the banking portal system, where the plurality of users are from partner organizations of different business partner types including retail partner, regulator partner, and prospect partner; and portal functionality for conducting transactions with a bank in conjunction with the partner organizations, where the portal functionality includes retail-partner-specific functionality, regulator-partner-specific functionality, and prospect-partner-specific functionality.. .
11/13/14
20140337206
Electronic currency system
An electronic currency system having currency issuing authorities that are coupled to a money generator device for generating and issuing to subscribing customers electronic currency backed by correspondent currency issuing authorities and participating financial institutions that accept and distribute the electronic money; a plurality of devices that are used by subscribers for storing electronic money and for performing money transactions with other participants and participating currency issuing authorities and authorized financial institutions, for exchanging electronic money with other like transactions; and verification arrangement for maintaining the integrity of the system, and for detecting counterfeiting and tampering within the system. The electronic currency consists of data in a form suitable to be stored in a participant's data storage medium, comprising information on the currency value, authentication values, certificate chain, and identification of the participants' devices..
11/13/14
20140337183
Online processing for offshore business transactions
A method and system for processing offshore online transaction use an intermediary platform to conduct foreign currency exchange on behalf of a buyer and an offshore seller. The method allows the buyer to purchase a product of an offshore merchant website using a local currency through the intermediary platform.
11/13/14
20140337173
Method and apparatus for managing location-based transactions
An approach is provided for managing location-based transactions. A posting application determines to associate transaction information with a geographic location, the transaction information relating to one or more users.
11/13/14
20140337171
System and method for consumer-merchant transaction analysis
A system, method and computer program product that is capable of determining respective merchant behaviour scores and consumer behaviour scores. Merchant locations (e.g.
11/13/14
20140337170
Increasing reliability of information available to parties in market transactions
Aspects and examples are disclosed for facilitating and signaling market transactions between providers of products or services and clients that consume or otherwise use the products and services. In one example, a processing device of a server system receives, via a data network, data from a computing system describing attributes of a client that uses the computing system.
11/13/14
20140337150
Automatic receipt logging and notifications for transactions
Methods, systems, and apparatus include computer programs encoded on a computer-readable storage medium, and include a method for managing and processing receipt information including identifying a user associated with a transaction; receiving a receipt for the transaction from a merchant system or a payment source used to fund the transaction; logging the receipt in a database associated with the user; providing an acknowledgement to an entity associated with the transaction and providing a notification of the transaction to a device associated with the user.. .
11/13/14
20140337091
Method and system for contextual profiling for object interactions and its application to matching symmetrical objects
A method for constructing a context profile within a system implementing symmetrical object profiles. The method includes establishing one or more contextual boundary parameters defining a context within which transactions occur.
11/13/14
20140337090
Systems and methods to measure influcence power
A system and method to determine influence power of users based on transaction data and social networking data. An influence score represents the effectiveness of users in influencing the purchase decisions of others.
11/13/14
20140337089
Systems and methods to connect information
A system and method to link online and offline user data via transaction data. Online and/or offline user data can be tracked via various anonymous tracking methods that do not require the users to explicitly identify themselves.
11/13/14
20140337069
Deriving business transactions from web logs
Computer-implemented systems, methods, and computer-readable media for deriving probable business transactions from a log file, the log file including a plurality of entries corresponding to traffic on a web server, each entry including a plurality of fields, including: pre-processing the log file to remove one or more fields and one or more entries unrelated to probable business transactions; processing the entries in the log file to identify one or more transactions; and processing the one or more transactions to identify one or more probable business transactions.. .
11/13/14
20140337062
Card present fraud prevention method using airline passenger detail
A system, method, and computer-readable storage medium configured to process cross-border transactions involving payment cards.. .
11/13/14
20140335948
Third party control over virtual world characters
A method and system provides arrangements creating a relationship between a real-world entity and a virtual world environment. A participant or player can participate in various virtual world experiences including activities, settings, events, purchases, sales and diverse transactions to acquire virtual products, virtual services, and/or virtual items of value.
11/13/14
20140334418
Support of user plane transactions over a mobile network
Said control plane node adapted to support user plane transactions over said mobile network between said control plane node and said ip network without need of user plane bearer in said mobile network, said control plane node interfacing, with or without ip tunneling, with a gateway function interfacing with said ip network.. .
11/06/14
20140331058
Encapsulated security tokens for electronic transactions
Functional data for use in one or more digital transactions are secured by using an encapsulated security token (est). In certain embodiments, the est is created by encapsulating digital data including the functional data using at least two cryptographic systems of two parties.
11/06/14
20140330767
Scalable distributed transaction processing system
Transactional data accesses are performed in a data storage system, where the data storage system is configured to store a plurality of data objects identified by respective key values. A request is received to modify the value of a particular data object.
11/06/14
20140330724
Credit card processing for a vehicle fleet
Credit card transactions are processed and managed for a fleet of motor vehicles for hire. A plurality of simultaneous wireless communication connections is maintained between a respective plurality of vehicles in the fleet and a central control center.
11/06/14
20140330723
Credit instrument and system providing multiple services including access to credit services and access to a service provider club
An apparatus and methods for a card that allows a cardholder to set up auto-charge payment of dues and fees to a series of clubs, merchants or service providers. The card also may be used for other transactions that accept credit cards.
11/06/14
20140330721
Systems and methods for verifying and processing transactions using virtual currency
A payment processing system may be integrated with a centralized virtual currency issuing and transaction processing system to provide a standardized and more efficient virtual currency that can provide easier tracking of and use of a consumer's virtual currency balance. The payment processing system may implement a network communications systems that may allow the payment processing system to obtain additional consumer, merchant and transaction information for a transaction by data fields transmitted in a network header portion of a network communications protocol packet.
11/06/14
20140330719
Currency recycler
A cash recycler that is configured to allow deposited money to be dispensed (recycled) in a withdrawal transaction. In one embodiment, multiple currency recyclers could be used at multiple stores of a retail establishment and collectively work from one pending balance.
11/06/14
20140330713
System and method for processing financial transactions
Disclosed herein are systems, methods, and non-transitory computer-readable storage media for receiving data from a giver at a first time, the data being used to identify a merchant at which a gift from the giver to a recipient is redeemable. The system presents a group of merchants associated with the data to the giver, each merchant of the group of merchants offering a promotion in connection with the gift.
11/06/14
20140330712
System and method for conversion of initial transaction to final transaction
The invention comprises a system and method for converting initial financial transactions into final financial transactions entailing lower transaction fees or which are otherwise more advantageous. According to one embodiment of the invention, a card not present (cnp) transaction is conducted for a remote consumer buying goods/services.
11/06/14
20140330704
Method and apparatus for automated trading of equity securities using a real time data analysis
A system and method for buying and selling securities based on volatility and liquidity rather than other fundamentals is demonstrated. The method involves: providing at least one decision model to buy and sell a security; inputting real-time data into the decision model; and automatically generating an order and executing transactions to buy and sell the security based in response to the decision model.
11/06/14
20140330690
Merchant continuity correction using cardholder loyalty information
A computer-implemented method of maintaining continuity of transaction data associated with a merchant within a payment card network includes identifying new merchant ids and associated new merchant information from a database, the new merchant ids and associated new transactions generated after a predetermined timestamp; and identifying discontinued merchant ids and associated discontinued merchant information from the database, the discontinued merchant ids associated only with older transactions generated before the predetermined timestamp and thus appearing to have been discontinued after the predetermined timestamp. The method further includes linking a new merchant id to a discontinued merchant id based on continued loyalty of payment card holders, the linked pair of new merchant and discontinued merchant id having common payment card accounts associated therewith, thereby maintaining continuity of transaction data associated with the merchant corresponding to the linked pair of new and discontinued merchant ids..
11/06/14
20140330658
Point of sale tax reporting and automatic collection system with tax register
A point of sale tax reporting system including a smart tax register located at a retailer location. The retailer smart register processes consumer transactions and calculates the amount of sales tax due the retailer by the consumer for each transaction.
11/06/14
20140330644
Promotion identification and presentation for prior transactions
Embodiments of the invention are directed to a system, method, or computer program product for providing post-transaction receipt collection and product promotion monitoring. As such, receipts associated with a user transaction may be collected and the products from those receipts may be determined.
11/06/14
20140330626
Single tap transactions using a mobile application with authentication
The invention describes how a consumer can hold their nfc enabled device in proximity to an nfc enabled point-of-sale terminal and with a single “wave” or “tap” to automatically redeem coupons, pay for a purchase using a default payment card or a selected card, view receipts view reward point balances, and receive relevant coupons and other digital artifacts both before and after the purchase. The nfc enabled device includes a secure element with a payment application, payment credentials, and other digital artifacts such as coupons.
11/06/14
20140327678
Methods and systems to generate graphical representations of relationships between persons based on transactions
In one example embodiment, a system and method is shown as including identifying a context set data defining a context within which a person resides. Next, an operation is executed so as to retrieve the context set data that includes person data and relationship between persons data, the relationship between persons data including certain characteristics that define the person in the context set.
11/06/14
20140327660
Transaction automation and archival system using electronic contract disclosure units
A system is provided for controlling, real-time logging, and archiving complex commercial transactions such as the purchase and financing of an automobile. An electronic contract disclosure unit or ecdu includes a digitizing display for imaging documents involved in the transaction and a digitizer for manual interaction with images on the display.
10/30/14
20140325626
Method and system using a cyber id to provide secure transactions
A method and system for securing a user transaction involving a subscriber unit (“su”) (having a processor, memory, and a display configured to accept user input), a credential information manager (“cim”) (having a processor and memory), and a transaction service provider (“tsp”) (having a processor and memory). A cyber identifier (“cyberid”), a subscriber identifier (“subscriberid”), and subscriber information, each associated with the user, is stored in the cim.
10/30/14
20140325543
System and method for providing rewards based on annotations
Methods, apparatuses, and/or systems are providing for enabling a time-shifted, on-demand social network for watching, creating, and/or sharing time-shifted annotation datasets (e.g., commentary tracks) synced to any on-demand programming, and more particularly to providing rewards to users when they create annotations (e.g., comments), when other users interact with their annotations, when transactions are enabled via their annotations, or for other reasons.. .
10/30/14
20140325468
Storage medium, and generation apparatus for generating transactions for performance evaluation
A non-transitory computer-readable recording medium having stored therein a program for causing a computer to execute a process comprising: generating a transaction scenario that describes a dependency between operations of semiconductor elements included in a semiconductor circuit, according to a parameter for defining the dependency and waveform data that indicates a level transition of each signal output from each of the semiconductor elements; and generating transactions for testing the semiconductor circuit, according to the transaction scenario.. .
10/30/14
20140325324
Electronic document
An electronic document includes header, view, data, and signature sections. The data section provides data typically processed in transactions involving the electronic document.
10/30/14
20140325160
Caching circuit with predetermined hash table arrangement
Disclosed herein are an apparatus, an integrated circuit, and method to cache objects. At least one hash table of a circuit comprises a predetermined arrangement that maximizes cache memory space and minimizes a number of cache memory transactions.
10/30/14
20140324731
System and method for resolving transactions with lump sum payment capabilities
A system and method for the online settling of a transaction is provided. The system includes a server arrangement having a rules based engine including rules established on behalf of a party to the transaction, such as a creditor.
10/30/14
20140324699
Systems and methods for large-scale testing activities discovery
Embodiments of the invention relate in part to determining a testing model and providing a testing transaction score for transactions. The testing transaction score may indicate a likelihood that the transaction is a testing transaction.
10/30/14
20140324697
Remote transaction processing of content
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.
10/30/14
20140324686
Computer implemented system for management and optimization of financial accounts and financial obligations of a user
The present disclosure envisages a system that assists a user in efficiently managing a plurality of financial accounts and financial obligations. The system acts as a gateway for accessing all the finance related information of the user.
10/30/14
20140324684
Transaction processing and remote activation
A device is communicatively connected to a remote transaction processing system. In at least one embodiment, the device comprises a dedicated power supply that is independent of a mains power supply, and has an operational state that is set according to an outcome of a transaction processed by the remote transaction processing system.
10/30/14
20140324682
Universal merchant application, registration and boarding platform
A system for processing e-commerce transactions. The system includes one or more processors programmed to receive a selection of one or more alternative payment brands from a merchant.
10/30/14
20140324637
Systems and methods for facilitating financial transactions over a network
Systems and methods for facilitating financial transactions over a network include a merchant device, a client device and a payment processing device. The merchant device is adapted to allow a merchant to provide items for purchase via the network.
10/30/14
20140324636
Managing consistent interfaces for business objects across heterogeneous systems
A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by providing consistent interfaces that are suitable for use across industries, across businesses, and across different departments within a business during a business transaction.
10/30/14
20140324628
Managing transactions of broker affiliates
A distributed network transaction system and method includes a central exchange computer connected via the internet (world wide web) to multiple remote computers associated with, for example, individual brokers. A central database is provided with the exchange computer and each remote computer can have a respective database for information that the individual brokers was to maintain separate from the system.
10/30/14
20140324613
High-velocity scanned item distribution method and apparatus
A high-velocity scanned item distribution apparatus and method are presented. The high-velocity scanned item distribution apparatus permits bagging operations for multiple purchase transactions to occur in parallel.
10/30/14
20140324611
Real-time product delivery during customer-driven point of sale retail transactions
According to one embodiment of the present disclosure, an approach is provided in which a product request is received that corresponds to a point-of-sale (pos) device, which is located at a merchant facility. In addition to identifying a product location corresponding to the product, an employee location of an employee in proximity to the product location is also identified.
10/30/14
20140324610
Techniques for kiosk transactions
Techniques for transacting with a kiosk are provided. A user activates a remoting feature of a kiosk.
10/30/14
20140324609
Multi-mode computing systems for point of sale transactions
Multi-mode computing systems for point of sale transactions are disclosed. According to an aspect, a computing system includes a first housing and a processing device disposed in the first housing.
10/30/14
20140324560
Remote transaction processing of a ticket
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.
10/30/14
20140324549
Price assurance engine
A system and method that establishes and maintains pricing for participating vendors and an authorized buyer using a metadata-software application that provides a useful history of purchases and discounts for audit records. The system provides base prices and price discounts based on the average actual sale price of an item or service over a period of time.
10/30/14
20140324512
Automated business function implementation analysis and adaptive transaction integration
A method, system, and computer program product for creating a business service flow using automated business function implementation analysis and adaptive transaction integration are provided. An implementation of a business service is analyzed to identify a set of transactions used.


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