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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


Tracking redo completion at a page level

Tracking redo completion at a page level

Updating object attributes in a lock-coupled namespace traversal

Updating object attributes in a lock-coupled namespace traversal

Updating object attributes in a lock-coupled namespace traversal

System and method for two-click validation

Date/App# patent app List of recent Transaction-related patents
12/11/14
20140365746
 I/o path selection patent thumbnailI/o path selection
A map of storage locations that indicates storage locations associated whose associated i/o transactions are to be processed by firmware running on a storage controller is maintained. The map is communicated to a storage controller driver.
12/11/14
20140365444
 Tracking redo completion at a page level patent thumbnailTracking redo completion at a page level
Embodiments are directed to implementing a transitional redo phase to allow pre-redo phase data access and to determining which data pages including unprocessed transactions are to be processed during a transitional redo phase. In an embodiment, a computer system initiates an analysis phase of a database recovery that scans a database transaction log and builds a dirty page table that includes pages corresponding to unprocessed data transactions.
12/11/14
20140365428
 Updating object attributes in a lock-coupled namespace traversal patent thumbnailUpdating object attributes in a lock-coupled namespace traversal
A deferred mechanism of rolling attribute changes to objects at transaction commit time is described. To support rolling updates, attributes are categorized into three types—increment, decrement or replace.
12/11/14
20140365376
 System and method for two-click validation patent thumbnailSystem and method for two-click validation
A method to enable transactions comprising transmitting, by a vendor server, a request message to the e-commerce system for a token. Receiving a token in response to the request message.
12/11/14
20140365375
 Batch settlement transactions system and method patent thumbnailBatch settlement transactions system and method
Systems and methods for performing settlement of token access transactions are provided. In one embodiment, the invention provides for batch processing bank card transactions, including receiving transaction records for a plurality of bank card transactions, wherein at least some of the transaction records include encrypted token information; determining whether the transaction records contain encrypted token information; decrypting the encrypted token information for a transaction record that is determined to have encrypted token information; and providing clear text token information obtained by decrypting the encrypted token information for a transaction record for transaction settlement..
12/11/14
20140365374
 Security token for mobile near field communication transactions patent thumbnailSecurity token for mobile near field communication transactions
Devices, systems, and methods are disclosed which relate to an nfc-enabled security token that is removably coupled to a mobile device. The security token may be provisioned with the information by the mobile device, then decoupled from the mobile device and used to authenticate the user or perform a transaction at a pos terminal equipped with an nfc reader.
12/11/14
20140365368
 Systems and methods for blocking closed account transactions patent thumbnailSystems and methods for blocking closed account transactions
A method for denying a payment transaction initiated by a user using a payment card associated with a blocked account is provided. The method may be implemented by a computing device coupled to a memory device.
12/11/14
20140365366
 System and device for receiving authentication credentials using a secure remote verification terminal patent thumbnailSystem and device for receiving authentication credentials using a secure remote verification terminal
The present invention relates generally to a system and device for expanding the utility of remote payment technologies by way of a remote transaction card reader and keypad for the entry of an account pin. More specifically, the device moves much of the functionality required for mobile payments away from a mobile card accepting appliance (e.g., a smartphone equipped with a card reader) to the disparate device.
12/11/14
20140365363
 Secure integrative vault of consumer payment instruments for use in payment processing system and method patent thumbnailSecure integrative vault of consumer payment instruments for use in payment processing system and method
A system and a method is provided for secure storage of consumers' credentials, financial accounts such as credit cards, debit cards, prepaid cards, checking accounts, savings accounts, proprietary gift cards, line of credit accounts, brokerage accounts, loyalty accounts, flexible spending accounts, health savings accounts, or the like, and storage of consumers' financial, legal or other important documents in an integrative vault providing payment processing access, protection, management, control and auditability over all of the consumers' payment instruments, other instruments, and important documents in a cloud based payment transaction processing environment.. .
12/11/14
20140365361
 System, method and computer program arranged to facilitate a transaction patent thumbnailSystem, method and computer program arranged to facilitate a transaction
A computing device for facilitating transactions between one or more remote devices, the device comprising a processing module arranged to interact with the one or more remote devices via a communications network and a database arranged to contain information regarding the state of one or more transaction channels in relation to an account, wherein the module is arranged to receive instructions via the communications network from the one or more remote devices and provide information regarding the state of the one or more transaction channels is disclosed.. .
12/11/14
20140365354
Visualization of individual trustworthiness score
Financial behaviors are analyzed for behavioral data to determine financial measures related to a trustworthiness score. A financial communication is facilitated in order to modify one or more behaviors.
12/11/14
20140365341
Store of the future
Techniques for facilitating commerce and retail transactions are described. According to various embodiments, a user selection of a product item offered for sale by a retail store is received, via a shoppable window user interface associated with the retail store.
12/11/14
20140365326
Auction methods and systems
A novel online auction system in which both sellers and buyers are compelled to bid their “true value”. Potential buyers solicit desired items or services and submit sealed bids.
12/11/14
20140365309
Point of sale transaction processing
A disclosed transaction processing method includes transmitting a request to a credit aggregator in response to a message from a point of sale device to a wireless communication device of a user. Responsive to receiving credit account information from the credit aggregator, a user interface indicative of at least some of the credit account information including account identification information for a plurality of user credit accounts is displayed.
12/11/14
20140365293
Point of sale device for online reward point exchange method and system
An online reward exchange system and method, with an exchange computer that interoperates with user computers, reward point issuer computers, and merchant computers. The merchants' products may be purchased by a user by requesting via a user computer, merchant's point of sale device, or mobile device an issuer(s) to redeem reward points in exchange for payment to the merchant.
12/11/14
20140365289
Method and apparatus for reward calculation and disbursement
Methods and systems for receiving purchase transaction data and identifying the purchase transactions that qualify for customer rebates. In an embodiment, a transaction clearing computer of a payment processing network receives the purchase transaction data from a plurality of acquirer financial institutions.
12/11/14
20140365286
Method of reserving an electronic savings advertisement
A method of reserving a savings advertisement includes: delivering an electronic savings advertisement creation interface web page from a server system to a computer system of a merchant; receiving at the server system a request from the computer system of the merchant to generate an electronic savings advertisement, the request comprising a maximum number of transactions that can be conducted with the electronic savings advertisement; storing in the server system a value representing an available numeric quantity for the savings advertisement; determining in the server system whether the numeric quantity is greater than zero; delivering an electronic savings advertisement request interface web page from the server system to a computer system of a customer, the savings advertisement request interface web page including an offer for the savings advertisement; receiving at the computer system of the customer a reservation request for the electronic savings advertisement; and decrementing the available numeric quantity by one in the server system in response to the reservation request.. .
12/11/14
20140365257
Computer aided tracking by biometrics
A computer aided method of racking persons who need to be tracked, comprising the steps of providing means to biometrically identify and track the movements of persons to be tracked; providing business rules and business rule monitoring to assure that persons tracked movements are completed correctly and timely; providing wizard-based computer data entry of persons' tracking data; providing alert notifications by e-mail and by text messaging relating to persons being tracked; providing cloud-based computer data sharing relating to persons being tracked; providing mobile dashboard integration of data relating to persons being tracked; and providing real-time transaction logging of persons' tracking data.. .
12/11/14
20140365065
Protected system for controlling power transactions for an electric vehicle
The invention concerns a protected system for controlling power transactions for an electric vehicle. Identification modules are incorporated into the vehicle battery management system and box, and integrity sensors of the box and of the battery are connected to a monitoring module.
12/04/14
20140359770
Apparatus and methods for preventing payment webpage tampering
Apparatus and method for preventing payment page tampering are described herein that determine whether a request received by a webpage modification interface is an inter-process request made by another process different from a process running the webpage modification interface and that, in response to determining that the first request is an external request, intercepts the first request. Embodiments of the apparatus and method can improve security of internet payment transactions..
12/04/14
20140359761
System and method for malware detection learning
Malware detection techniques that detect malware by identifying the c&c communication between the malware and the remote host, and distinguish between communication transactions that carry c&c communication and transactions of innocent traffic. The system distinguishes between malware transactions and innocent transactions using malware identification models, which it adapts using machine learning algorithms.
12/04/14
20140359703
Method for securing an action that an actuating device must carry out at the request of a user
A method for securing an action that an actuating device must carry out at the request of a user. In the method, before any request by the user for an action, an identification link and a user authentication link are set up and registered on the security server via a dialog among the security server, the actuating device, and the user acting via a portable terminal.
12/04/14
20140359230
Protocol for conflicting memory transactions
Embodiments of the invention describe a home agent that may receive request messages, e.g., data ownership request messages and data request messages, which include issuance data indicating an order of the respective message issued. Said home agent may determine whether an early or late conflict exists based, at least in part, on a received conflict response message and the issuance data of a most recent completed transaction..
12/04/14
20140358800
Telecom management service system
Methods and a system to provide telecommunications management services are provided. A method includes receiving a service request for change management or servicing a telecommunications equipment item, classifying the request to determine a policy associated with the request, determining customized workflows for executing the policy and servicing the request, identifying transactions required to service the request, and monitoring execution of the transactions until completion..
12/04/14
20140358796
Methods and apparatus for performing local transactions
A method of performing a transaction using first and second computing devices is described. A local data connection is established between the first computing device and the second computing device.
12/04/14
20140358794
Techniques for credit card processing
Techniques for credit card processing are provided. A credit card with a wireless interface wirelessly connects with a mobile device of a consumer that possesses the credit card.
12/04/14
20140358790
Method and system for authentication and payment by using portable terminal
After a user and a dealer agree on business transaction, a password is inputted to a user mobile terminal (3) to produce an authentication id for authentication. After the authentication succeeds, the mobile terminal transmits credit information and a user number to a server (5) to store them in the server.
12/04/14
20140358789
Acquirer facing fraud management system and method
Embodiments of the invention are directed to systems, apparatus, and methods for preventing merchant fraud by processing electronic payment transactions using acquirer rules. In some embodiments, a server computer can receive from an acquirer a rule to be applied to transactions conducted with a merchant.
12/04/14
20140358787
Commerce card system and method of using same
A system and method for authorizing a transaction that includes a transaction device configured to send over a network information relating to a transaction and a commerce card and a transaction processing device configured to receive over the network the information sent by the transaction device and information sent from a mobile device associated with the commerce card. The transaction processing device is configured to authorize the transaction based on the information received from the transaction device and the information received from the mobile device.
12/04/14
20140358783
Systems and methods of generating and processing payment transactions using alternate channels and payment mode
Systems and methods generate and process payment transactions using a virtual account for payment transaction which is generated and transmitted to a customer registered mobile device. The virtual account with a limited lifetime with single or multi use purpose is created for the associated bank account number and generated on-demand by the registered customer upon authentication which may be communicated using sms, ivr, ussd, mobile apps, smart apps or nfc protocols to the registered mobile number for immediate use for payments which can be used for online purchasing, peer to peer payments, automatically read-out or to manually enter at a point of sale.
12/04/14
20140358779
Method of conducting financial transactions using a phone node in communication with a transactional server
The present invention relates to a method of conducting financial transactions using a phone node in communication with a transactional server, wherein such method uses telephone numbers as identifiers to the financial values transacted. Each financial account is mapped to a plurality of value-related telephone numbers, wherein such numbers correspond to a payee.
12/04/14
20140358778
Multi-level know your customer (kyc) data collection and verification
Systems, devices, and methods for transaction processing are provided. A point-of-transaction device transmits a transaction request to a transaction information server.
12/04/14
20140358777
Method for secure atm transactions using a portable device
The application provides a transaction-processing system for performing multi-factor verification of transactions between a plurality of users and a verification processor. The processor is in operational communication with a database storing a plurality of verification records, wherein each record comprises a unique id and said record containing at least one msisdn value.
12/04/14
20140358776
Rule-based funds allocation in electronic transactions
A computer processor is used to determine, based on funds data that specifies at least an amount of received funds and a payor associated with a transaction, whether any allocation rule among a plurality of allocation rules is applicable for allocation of the received funds. If an allocation rule is applicable for allocation of the received funds, then the allocation rule is evaluated with the funds data to identify at least one account category, wherein each account category is associated with at least one account of a payee associated with the transaction.
12/04/14
20140358771
Systems and methods for clustering of customers using transaction patterns
Example systems and methods for clustering of customers using patterns in their transactions are described. In one implementation, a method receives customer information that includes at least a plurality of customer identifications and a plurality of payment options associated with a plurality of customers.
12/04/14
20140358769
Merchant data correction through location averaging
A computer-implemented method is provided for determining merchant locations. The method includes receiving transaction data and associated location data for transactions between at least one cardholder and at least one merchant, and calculating an average location.
12/04/14
20140358767
Method and apparatus for conducting loan repurchase transactions
Systems, methods, apparatus, computer program code and means for conducting repurchase transactions include identifying at least a first bank loan held by a first party. The at least first bank loan is transferred to a second party in exchange for a first sum, and the parties agree, at substantially the same time as the parties agree to the transfer, that the first party repurchases the first bank loan at a later date for a second sum.
12/04/14
20140358763
Computerized money transfer system and method
A computerized money transfer system implements a money transfer service for transferring money from a sending entity to at least one receiving entity. A plurality of agent terminals operable by agents of the money transfer service are interconnected by a communications network.
12/04/14
20140358756
Currency pricing and settlement
A computerized system including a first processor to determine a difference between an actual settlement and a respective expected settlement for each of a plurality of client transactions, each client transaction having an expected settlement in a first currency and a transaction price in a second currency under which the transaction is performed, the transaction price being determined from the expected settlement using a respective time-limited guaranteed exchange rate between the first and second currencies, and each actual settlement in the first currency being determined from the transaction price using a third party exchange rate, such that for each client transaction any difference between an actual settlement and a respective expected settlement is at least in part due to a difference between the time-limited guaranteed exchange rate and the third party exchange rate; and a second processor to adjust, for each client transaction, a respective client account balance according to said difference.. .
12/04/14
20140358752
Transaction monitoring to ensure policy compliance
Methods, systems, and computer-readable media for analyzing banking transactions are presented. Banking transaction data corresponding to a banking transaction may be collected.
12/04/14
20140358742
Systems and methods for mapping in-store transactions to customer profiles
Example systems and methods for mapping in-store transactions to customer profiles are described. In one implementation, a method receives information of a plurality of customer profiles of a plurality of online customers.
12/04/14
20140358728
Facilitating transactions between shoppers and sellers using uploaded content files
A server for facilitating transactions between shoppers and sellers using uploaded content files includes anon-transitory storage device, a network interface device, and a processing device that executes a content upload module and a search module. The content upload module is configured to receive an uploaded content file from a first user computing device corresponding to an uploader and associate at least one setter of goods or services with the uploaded content file.
12/04/14
20140358726
Inhibiting inappropriate communications between users involving transactions
Techniques are described for automatically identifying and inhibiting suspect electronic communications between users, such as for electronic communications that may reflect fraudulent activities by one or more of the users or that are otherwise inappropriate for one or more reasons. In some situations, the communications may relate to transactions in which the users are involved, such as for users that are buyers and sellers of items interacting via one or more electronic marketplaces.
12/04/14
20140358706
Secure payment card transactions
Payment card transactions at a point of sale (pos) are secured in certain embodiments by intercepting, with a pos security layer installed on a pos terminal, payment data from the pos terminal, transmitting the payment data from the pos security layer to a server security application installed on a pos server, and providing false payment data from the pos security layer to a pos terminal application installed on the pos terminal. The false payment data in various embodiments is processed as if it were the payment data, such that the pos terminal transmits an authorization request to the pos server using the false payment data.
12/04/14
20140358704
Secured point-of-sale transactions
Systems, devices, and methods for secure transaction processing are provided. A point-of-transaction device may receive a selection of transaction parameters to establish and store a security rule.
12/04/14
20140358682
Monitoring retail transactions associated with a financial institution-based merchant offer program and determining savings metrics
Embodiments of the invention provide for monitoring transactions and providing related savings metrics in association with a financial institution-based merchant offer program. Since the transaction monitoring occurs at the financial institution level, the savings metrics may include savings amounts lost by conducting a transaction absent a merchant offer when an applicable merchant offer was available..
12/04/14
20140358660
Systems and methods for offering products using linked transactions
The disclosed embodiments include methods, systems, and articles of manufacture for providing offers for linked transactions. Transaction data corresponding to a first product physically purchased using a financial service account and product identification data identifying the first purchased product are received.
12/04/14
20140358652
Facilitating online transactions
Techniques for operating a marketplace server include receiving a purchase request of a user and a payment corresponding to the purchase request from an account associated with the user. The techniques include allocating a first portion of the payment to a drawing system being comprised of a plurality of available drawings and awarding one or more entries to a user.
12/04/14
20140358648
Fare collecting apparatus and method using authorization-only transactions
A fare collecting apparatus is provided. The fare collecting apparatus according to one implementation of this invention comprises, a declined card list storage unit configured to store a list of declined cards, including card information relating to each declined card, an authorization determination unit configured to search in the list of declined cards to determine whether card information included in the received card payment request is included in the list of declined cards, in response to receipt of a card payment request from a user, and an authorization-only transaction request unit configured to transmit an authorization-only transaction request message including a provisional authorization amount, to a payment gateway, if the card information included in the received card payment request is not included in the list of declined cards..
11/27/14
20140351521
Storage system and method for controlling storage system
A cache package (for example, a flash memory package configured by flash memories) can execute a cache control process instead of a processor in a storage system by a request of the cache control process from the storage system. Consequently, time for the process that the processor of the storage system executes can be reduced and increase in a throughput can be achieved.
11/27/14
20140351432
Using transactions to minimize churn in a distributed network control system
A particular network controller receives a first set of inputs from the first controller and a second set of inputs from the second controller. The particular controller then starts to compute a set of outputs using the first set of inputs.
11/27/14
20140351352
System and method for facilitating transactions as conversations between participants
A computer-implemented system keeps records of communications between participants as a conversation. All communications between participants in a transaction are stored as part of the conversation including documents, photographs, forms etc.
11/27/14
20140351202
Apparatus and method for read optimized bulk data storage
A computer readable storage medium includes executable instructions to store load data in new rows of an append only table within a data warehouse, without updating or deleting existing rows in the append only table. The new rows are added in a database transaction that guarantees that the distributed reads and writes of all transactions are processed reliably and that the transactions obey snapshot isolation rules.
11/27/14
20140351144
Payment transactions on mobile device using mobile carrier
A user makes a purchase request through a merchant app on a mobile device, such as by selecting an item for purchase. A mobile sdk of a payment provider is installed in the merchant app.
11/27/14
20140351142
Systems and methods for processing payment transactions
Embodiments of the disclosure can include systems and methods for processing transactions. In one embodiment, a computer-implemented method for processing proposed transactions can be provided.
11/27/14
20140351141
Determining status of low-cost tags used 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.
11/27/14
20140351139
Multi-tier transaction processing method and payment system in m- and e-commerce
A server executes a protocol that automates transactions involving a customer and a merchant agreeing to trade money in the customer's account for goods or services available from the merchant. The protocol protects personal identifying information of the customer from disclosure to the merchant, and protects all parties from repudiation of the specific transaction.
11/27/14
20140351136
System for authorizing electronic transactions and a method thereof
A system (100) and a method for authorizing electronic transactions have been disclosed. The system (100) includes a data storage and processing unit (102) and at least one computing device (104).
11/27/14
20140351133
Methods and systems for validating transactions
Methods and systems for validating transactions in an automated, secure, regulatory-compliant manner, in which a second party is presented with a graphic user interface that displays a multimedia presentation prepared by or on behalf of a first party, which provide the second party with an explanation of each document to be executed. The system includes a device for capturing the buyer's digital signature, and a recording device for capturing the actions and responses of the second party before the second party authorizes that the digital signature be associated with each document.
11/27/14
20140351127
System and method for processing financial transactions funded via limited use virtual payment numbers
A method for processing a financial transaction funded via a virtual payment number includes: receiving, by an input device of a merchant, product details for at least one product to be purchased in a financial transaction; receiving, by the input device, a virtual payment number; receiving, by the input device, an indication of the virtual payment number as being a limited use number associated with a payment account, wherein said merchant can recognize said virtual payment number as a limited use number; generating, by a processing device, an authorization request for a financial transaction, wherein the authorization request includes at least transaction data, the virtual payment number, and a data element, wherein the data element indicates the virtual payment number as a limited use number; and transmitting, by a transmitting device, the authorization request to a payment network.. .
11/27/14
20140351126
Secure synchronization of payment accounts to third-party applications or websites
A two-factor approach for authenticating payment transactions between a third-party application and a consumer is facilitated by a transaction server via a consumer's mobile device. A first communication channel (e.g., the internet) is used to request authorization, and a second independent communication channel is used for identity verification and authorization.
11/27/14
20140351123
Using 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.
11/27/14
20140351120
System and method for pricing of merchant accounts
A system for managing merchant payment transaction processing accounts is provided. The system includes a merchant initialization system that receives merchant account data from a user, such as to provide a quote to the merchant for payment processing.
11/27/14
20140351112
Currency trading platform with improved risk management
Systems, methods and software for processing and displaying information associated with a plurality of currency exchange transactions to a forex dealer in real time, i.e. Substantially simultaneously with the receipt or placement of the associated transactions orders or position requests..
11/27/14
20140351102
Associating off-line transactions with on-line visitor web sessions
Methods, system, and computer program products for associating off-line transactions involving a product with visitors to a web-site. Data relating to an off-line transaction and data relating to visitors to a web-site is received in a computer.
11/27/14
20140351069
System and method for dynamically configuring merchant accounts for multiple payment processors
A system and method is provided for dynamically configuring a merchant account for commercial transactions by first receiving a transaction record from a payment input device that is associated with a merchant. The transaction record includes payment information and a first set of merchant account information.
11/27/14
20140351048
Systems and methods to match identifiers
A system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed at the transaction handler and to store mapping data between first user identifiers and first account identifiers, a profile generator to generate a profile of a user based on the transaction data, and a portal coupled to the transaction handler to receive a query identifying a second user identifier used by the first tracker to track online activities of a user. The system is to identify a second account identifier of the user from the second user identifier based on the mapping data between the first user identifiers and the first account identifiers to facilitate targeted advertising using the profile of the user and/or to provide information about certain transactions of the user related to a previously presented advertisement..
11/27/14
20140351033
Systems and methods of incentivizing transactions
Methods, devices, and computer program products for processing a mobile payment. In one aspect, a method includes providing an offer for a transaction, the offer contingent upon a social media promotion requirements.
11/27/14
20140351006
System and method for generating and utilizing global information from transaction records
A system and method is provided for utilizing global information determined from commercial transactions by first storing data identifying a plurality of store locations of the multi-point merchant. The stored data is associated with an account of the multi-point merchant.


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