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Transaction patents

      

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new patent Facilitation of deterministic interaction with a dynamically changing transaction processing environment
The disclosed embodiments relate to ensuring that a selected value, selected, for example, via interaction with a graphic user interface, of a dynamically changing parameter, such as a price, is used when generating an electronic data transaction request message in a data transaction processing system, such as an electronic trading system. The data transaction processing system being a system in which data items, such as financial contracts, e.g.
Chicago Mercantile Exchange Inc.


new patent Systems and methods for utilizing a money transfer network to facilitate lending
Embodiments of systems, methods, and computer-readable storage media for processing loans using resources of a money transfer network are provided. The disclosed embodiment provide techniques for utilizing non-credit transactions executed via a money transfer network to establish credit worthiness and risk assessment for loans requested by borrowers, and may enable borrowers with little or no credit history to obtain loans that they may otherwise be unable to obtain.
Moneygram International, Inc.


new patent System and list shopping over a computer network
The present invention is a system for conducting commercial transactions over the internet, whereby a shopper can simultaneously search for a plurality of items on at least one website with a single search command. The shopper can selectively specify the items of interest to be searched and can also specify and/or exclude websites to be searched.

new patent Secure processing of electronic payments
Systems (100, 900), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110′, 130.
Royal Bank Of Canada


new patent Merchant-specific functionality services
Processing of merchant-specific functionality services during proximity connection transactions. The merchant terminal transmits additional data to the computing device that enables the device to identify the merchant.
Google Inc.


new patent Merchant-specific functionality services
Processing of merchant-specific functionality services during proximity connection transactions. The merchant terminal transmits additional data to the computing device that enables the device to identify the merchant.
Google Inc.


new patent Systems and methods for implementing financial transactions
A payment processing system to provide merchant-specific accounts to consumers that are accessed by payment instruments. In one embodiment, the payment processing system can create and provide a variety of payment methodologies for purchases, such as pay-as-you-go, virtual prepaid, virtual subscription, and post-paid purchases.
Heartland Payment Systems, Inc.


new patent Merchant-specific functionality services
Processing of merchant-specific functionality services during proximity connection transactions. The merchant terminal transmits additional data to the computing device that enables the device to identify the merchant.
Google Inc.


new patent Systems and methods for establishing message routing paths through a computer network
A method for routing computer messages between parties is provided. The method is implemented using a message gateway computing system including a processor and a memory.
Mastercard International Incorporated


new patent Methods and systems for detecting financial crimes in an enterprise
This disclosure relates generally to financial crimes and more particularly to methods and systems for detecting financial crimes in an enterprise. In one embodiment, a method for detection of financial crimes is disclosed.
Wipro Limited


new patent

Access control in peer-to-peer transactions over a peripheral component bus

Computing apparatus includes a central processing unit (cpu), which is configured to run concurrently multiple virtual machines, including at least first and second virtual machines. A peripheral component bus is connected to communicate with the cpu.
Mellanox Technologies Ltd.

new patent

Distributing computing system implementing a non-speculative hardware transactional memory and a using same for distributed computing

A distributed computation system comprising computation units and memory shared between computation units, comprises a hardware module for detecting conflicts of access of computation units to shared memory; each hardware module for detecting conflicts configured to: store a probabilistic data structure, indicative of the addresses of shared memory involved in the current transactions; receive at least one message indicative of request for access, by one computation unit to an address of shared memory; determine, from a probabilistic data structure, whether the address is already involved in a current transaction, and transmit a message indicating presence or absence of access conflicts; receive a message indicative or confirmative of reservation or releasing of an address of shared memory, and update the probabilistic data structure for the reserved addresses and the released addresses to be considered, as being/not being involved in a current transaction. A method for using the system is provided..
Commissariat A L'energie Atomique Et Aux Energies Alternatives

new patent

Shared memory controller and using same

A controller for a shared memory is disclosed. The controller comprises a transaction scanner configured to scan-in a plurality of transactions to access the shared memory and to divide the transactions into beat-level memory access commands.
Futurewei Technologies, Inc.

new patent

Method for a mobile dimensioning device to use a dynamic accuracy compatible with nist standard

A mobile dimensioning device, i.e. A mobile dimensioner, is described that uses a dynamic accuracy while still being compatible with the nist standard.
Hand Held Products, Inc.

Relay device

According to a first aspect of the present disclosure, a relay device for use in near field communication (nfc) transactions is provided, said relay device comprising a communication unit, wherein said communication unit comprises an nfc controller and a wireless communication controller which are operatively connected to each other through a physical interface, said nfc controller being arranged to establish communication with an nfc-enabled device that is external to the relay device, and said wireless communication controller being arranged to establish communication with a wireless device that is external to the relay device, wherein the communication unit is arranged to relay transaction data between the nfc-enabled device and the wireless device. According to a second aspect of the present disclosure, a corresponding method for facilitating near field communication (nfc) transactions is conceived.
Nxp B.v.

Asymmetrical challenges for web security

This document describes, among other things, a computer-implemented method for improving the security of one or more computing systems. The method can include receiving, at a computing system, first code that defines at least a portion of an electronic resource that is to be served to a client computing device.
Shape Security, Inc.

Troubleshooting transactions in a network environment

In one embodiment, a system for troubleshooting transactions in a network environment includes an interface that may receive a transaction report from each of a number of network devices used to process a transaction. Each transaction report may include a status code field indicating a status of the transaction at each of the plurality of network devices.
Bank Of America Corporation

Transaction tracing in a network environment

In one embodiment, a system for tracking electronic transactions in a network environment includes a network entry point that may receive a transaction request, the transaction request comprising a communications protocol. The network entry point may generate a unique identifier and insert the unique identifier into the transaction request.
Bank Of America Corporation

Transaction identification in a network environment

In one embodiment, a system for analyzing and reporting electronic transactions in a network environment includes an interface that may receive a transaction request at a first network device. A processor communicatively coupled to the interface may execute a task associated with the transaction request generate a transaction report associated with the transaction request and the task.
Bank Of America Corporation

Systems, devices, and/or methods for managing transactions

Certain exemplary embodiments can provide a system, machine, device, manufacture, circuit, composition of matter, and/or user interface adapted for and/or resulting from, and/or a method and/or machine-readable medium comprising machine-implementable instructions for, activities that can comprise and/or relate to, receiving a universally unique item identifier of an item from a tag reader.. .

Systems and methods for trading, clearing and settling securities transactions using blockchain technology

The present invention relates to a securities trading system that utilizes a distributed blockchain ledger to conduct security transactions. Users are provided with cryptographic wallets that enable the users to access a peer-to-peer network of computing nodes on which the distributed blockchain ledger is managed.
Ouisa, Llc

Life-cycle modeling based on transaction and social media data

A mechanism is provided for personalizing a user's e-commerce environment. Identified lifecycle state transactions associated with the user are modeled by performing a lifecycle state transition probability calculation utilizing collected social media data and transaction data.
International Business Machines Corporation

Simultaneous multi-factor authentication payment transactions

According to some embodiments, an authentication server may receive first and second biometric user data from a writing device. The writing device may, according to some embodiments, have a plurality of spatially alternating sensors, including a plurality of sensors of a first type to read the first biometric user data and a plurality of sensors of a second type to read the second biometric user data.
Mastercard International Incorporated

Co-processing electronic signals for redundancy

A co-processing fraud risk scoring system for scoring electronic payment transactions for potential fraud is described. Additionally, a method and a computer-readable storage medium for scoring electronic payment transactions for potential fraud are described..
Mastercard International Incorporated

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.
Tokyo Mechatronics Co. Ltd.

Location-based locking and unlocking of payment accounts

System, method and media for selectively activating and deactivating payment vehicles based on the positions of an authorized user of the account, the payment vehicle, and/or the transactions. The security and budget-control abilities of a consumer are increased by allowing the user to specify geographic regions where payment vehicle will not, or should not, be used.
Hrb Innovations, Inc.

Rule-based locking and unlocking of payment accounts

System, method, and interface for rule-based locking and unlocking of payment accounts. Embodiments of the invention allow a user to define rules for circumstances when their payment vehicle will not, or should not, be used.
Hrb Innovations, Inc.

Method and system for person to person payments using a controlled payment number

A method for processing transactions in user accounts includes: storing account profiles, each including data related to a user account of a non-financial institution (nfi) entity including a controlled payment number (cpn) and spending limit, the cpn being associated with a transaction account of the nfi entity and subject to the spending limit; receiving a transaction request including a payer cpn, payee cpn, and transaction amount; identifying a payer account profile that includes the payer cpn; identifying a payee account profile that includes the payee cpn; decreasing the spending limit included in the payer account profile based on the transaction amount; and increasing the spending limit included in the payee account profile based on the transaction amount.. .
Mastercard International Incorporated

Method and mobile payment

Techniques for portable devices functioning as an electronic purchaser (e.g., e-purse) and/or an electronic mobile seller (e.g., mobile point-of-sales (pos)) are disclosed. According to one aspect of the invention, a mechanism is provided to enable a portable device to conduct e-commerce and m-commerce transactions over an open network with a payment server and/or a pos transaction server without compromising security.
Rfcyber Corp.

Mobile attribute time-series profiling analytics

The subject matter disclosed herein provides methods, apparatus, systems, techniques, and articles for determining the likelihood that a transaction is abnormal. Time-series data associated with active and passive operations of a mobile device and out of band data associated with the user of the mobile device can be collected.
Fair Isaac Corporation

Wireless dongle facilitated mobile transactions

Computing systems and methods for facilitating mobile transactions are disclosed. An example method includes: detecting, via a hardware communication interface, a user check-in request based at least on a communication exchange between a user device and a signaling device at a location.
Paypal, Inc.

Database system, information processing device, method and medium

Provided is a database system, wherein a first node holds a transaction log of a database together with identification information enabling identification of a sequence of commands, transmits specific identification information indicating a transaction log at a predetermined time point, and the transaction log and identification information from after the predetermined time point, to a second node, and transmits data in the database to the second node from the predetermined time point onwards, and when the data received from the first node has been loaded into a memory, the second node executes a command relating to a transaction log which is newer than the transaction log indicated by the specific identification information, on the loaded data.. .
Murakumo Corporation

Frequent item-set mining based on item absence

A dataset of a plurality of transactions is received, the plurality of transactions including at least a first item and a second item. An absence-based association rule correlating an absence of the first item with an inclusion of the second item within the plurality of transactions is calculated..
Sap Se

Distributed database system

Managing potentially concurrent transactions in a distributed database system includes: maintaining, at a first node, records of transactions executing on one or more nodes, each having a transaction state, execution of a first transaction at a second node including an operation for accessing a first data element stored on the second node and execution of a second transaction at the second node including an operation for accessing the first data element; receiving, at the second node from the first node, a list of transactions including any transactions executing on the second node and having a first transaction state at a time of initiation of the second transaction, and including the first transaction; determining that an outcome of the second transaction depends on an outcome of the first transaction based on the list; and suspending execution of the second transaction until after the first transaction is complete based on the determining.. .
Ab Initio Technology Llc

Database system, information processing device, method and medium

Provided is a database system wherein a first node, in accordance with a data transmission request from a second node, transmits, to the second node, specific identification information indicating a transaction log at a predetermined time point, and a transaction log and identification information from after the predetermined time point, and transmits the requested data to the second node from the predetermined time point onwards, and the second node transmits a transmission request for data to the first node in accordance with a search request, and when data received from the first node has been loaded into a memory, the second node executes, on the loaded data, a command relating to a transaction log that is newer than the transaction log indicated by the specific identification information, responds to the search request on the basis of data on which the command has been executed, and deletes the data on which the command has been executed, in accordance with a predetermined condition.. .
Murakumo Corporation

Distributed database system

Managing database transactions in a distributed database system includes: maintaining, at a first node, a first plurality of records of transactions, each associated with a transaction and including a start time of the transaction and a start time of an oldest transaction that was active at the start time of the transaction; maintaining, at a second node, a second plurality of records of transactions, including records of completed transactions associated with the second node, each including a transaction start time and a transaction end time; receiving at the second node, a message from the first node including a start time of an oldest transaction that was active at the transaction start time of the oldest currently active transaction in the system; and removing, from the second plurality of records, any records of completed transactions with a transaction end time occurring before the start time of the oldest transaction.. .
Ab Initio Technology Llc

Flow control technique for eos system

A flow control technique prevents exhaustion of storage resources in an exactly once semantics (eos) system of a storage input/output stack executing on a node of a cluster. An eos server may service transactions sent by an eos client and issue replies with results to the eos client.
Netapp, Inc.

Dynamically adjusting a log level of a transaction

A method dynamically adjusts a log level of a transaction. The method includes: buffering the most detailed logs of a transaction having highest log level into a memory; checking if all dependency-defined transactions within a dependency list/tree for the transaction are completed; and, in response to the completion of all dependency-defined transactions within the dependency list/tree for the transaction, obtaining a log filter level for the transaction in association with the transaction results (success/failure) of dependency-defined transactions, wherein the log filter level is a new log level for the transaction..
International Business Machines Corporation

Report management system

A method and apparatus for generating reports. A computer system displays an application with fields in a graphical user interface on a display system.
Adp, Llc

Payment application download to mobile phone and phone personalization

A method and system of personalizing a mobile phone over a wireless network is provided. The method is fast, reliable, and eliminates the need for an uninterrupted online connection to a host server in order to achieve successful download of user information.
Iii Holdings 1, Llc

Systems and methods of secure provenance for distributed transaction databases

An electronic resource tracking and storage computer system is provided that communicates with a distributed blockchain computing system that includes multiple computing nodes. The system includes a storage system, a transceiver, and a processing system.
Nasdaq, Inc.

Clinical data exchange for supporting transactions in clinical research data

A clinical data exchange includes multiple independent databases, each storing clinical data for patients and made available by participants in the exchange. Each database is a node in the clinical data exchange.

Incremental login and authentication to user portal without username/password

A system and method comprising receiving a request to access a first set of details associated with a first transaction conducted by a user, the request including first information that corresponds to a first asset under the control of the user, determining an identity of the user based at least in part on the first information, and identifying a second transaction likely to be associated with the user, the second transaction being associated with second information that corresponds to a second asset different than the first asset. The system and method further including requesting confirmation from the user that the second asset is under the control of the user, and, upon receiving the confirmation, associating the first and second transactions with the first and second information..
Klarna Ab

Computerized locating, communicating and prioritizing private party transactions involving goods, services or information about goods or services

Techniques are described facilitating transactions involving items or services or information about the items or services (“isi”) and users. Sometimes, an automated isi transaction system coordinates isi transactions by matching users with isi with users demanding that isi.
Stuffmapper, Spc

A method for identifying candidate advocates for an organization includes obtaining a plurality of responses to a questionnaire completed by respective respondents based on transactions with the organization in which the questionnaire comprises a primary question and a plurality of secondary questions each having an ordered list of answer choices, calculating a respective correlation coefficient for each secondary question between the answer choices selected for the secondary question and the primary question in the plurality of responses, defining a criteria for assessing the responses to identify candidate advocates from the respondents that specifies, for a set of the secondary questions for which the respective correlation coefficients are greater than a threshold value, which answer choices for the set of secondary questions can be selected in a given response to satisfy the criteria, and identifying the respective respondent for each response that satisfies the criteria as a candidate advocate.. .
Medicalgps, Llc

Security for electronic transactions and user authentication

System and method for generating, disseminating, controlling, and processing limited-life security codes used to authenticate users, particularly for electronic financial transactions, such as payment transactions or interacting with automated teller machines and the like. Providing a user with a single security code usable across multiple accounts or other secured systems is contemplated, each security code having a limited lifetime (e.g., one day).
Tender Armor, Llc

Configurable transaction management controller and method thereof

Technologies for managing payment authorization request messaging for payment transactions include a transaction management controller for receiving a transaction amount for a payment transaction from a business management engine and payment card data for the payment transaction from a point of interaction device. The transaction management controller inserts the transaction amount and the payment card data into a payment authorization request message, which is transmitted to a payment network.
Vantiv, Llc

Payment transaction processing devices and computer implemented payment transaction management methods

Payment transaction processing devices and computer implemented payment transaction management methods are described. According to one aspect, a payment transaction processing device includes communications circuitry configured to output and to receive communications with respect to the payment transaction processing device, storage circuitry comprising information regarding a plurality of payment cards, and processing circuitry configured to access a plurality of transaction specifications regarding a plurality of payment transactions, to access a plurality of transaction requests requesting a plurality of payments via the payment cards for respective ones of the payment transactions, to process information of the transaction requests with respect to information of the transaction specifications, to authorize some of the transaction requests which authorize payments from respective ones of the payment cards as a result of the processing, and to decline others of the transaction requests which decline payments from respective others of the payment cards as a result of the processing..
Comgateway (s) Pte Ltd

Electronic authentication systems

Methods and devices are provided for use in facilitating transactions between transaction devices and points of interactions. In connection therewith, one transaction device generally includes an input and an output for communicating with a point of interaction with regard to a transaction by a consumer at the point of interaction involving the transaction device.
Mastercard International Incorporated

System and securely processing payment transactions

A device includes memory and a processor. The memory is configured to store a transaction identifier corresponding to merchant identification information, customer identification information, and transaction information for a transaction.

Alternate payment method

An alternate payment method and system which uses personalized temporary assigned information (tagged to payment permanent detail) as payment information. This personalized temporary assigned information is easily memorable by consumer but hard to guess by others and can be carried in consumer's memory for making payment.

Retail point of sale (rpos) internet merchandising

The present invention is an apparatus for the money transactions required in the selling of merchandise or media content on the internet and uses at least one in-person contact with the buyer. A predefined transaction originating at a real place of business authorizes access to web content or merchandise from a place off the web.

Multi-factor identity authentication

Disclosed herein are systems, methods, and non-transitory computer-readable storage media for allowing for payment of transactions initiated with a client device to be completed using a mobile device and requiring multiple-step authentication of the user before completing the transactions.. .
Apple Inc.

Systems and methods for retrieving electronically stored information in real-time for electronic transactions

Systems and methods for providing real-time data and performing network transactions via a gui over a network using computer-based storage and retrieval schemes including real-time lookup tables and databases and updating the real-time lookup tables and databases in real-time, with the network including but not limited to internet, phone, wireless communications, and other channels.. .
Value Payment Systems, Llc

System for point of sale data capture, reporting and analysis for the auditing of sales taxes

The present disclosure relates to a system for automatically forwarding retail sales transaction information and corresponding sales tax data from individual retailers to a centrally located remote location for auditing tax. More particularly, this invention relates to a system and method for ensuring that substantially all retail transactions upon which sales tax is collected are reported.

System and method to design and perform computer application for multi-variable transactions

A system and process to facilitate a multi-variable transaction is described, including software and physical steps.. .

Method for processing transactions at a vending kiosk

One variation of a method for processing transactions at a vending kiosk includes: at a first time, capturing a pre-transaction image of a shelf arranged within the kiosk with an optical sensor; in response to receiving payment information from a customer, unlocking a door of the kiosk; at a second time succeeding the first time, capturing a post-transaction image of the shelf with the optical sensor in response to closure of the door; detecting a difference between the pre-transaction image and the post-transaction image; based on the difference, flagging a portion of the pre-transaction image for review by a remote human operator; and, in response to identification of a product type corresponding to the difference by the remote human operator, billing the customer for a cost of the product type according to the payment information.. .
Pantry Retail, Inc.

Method for using supervised model to configure user interface presentation

A system and method comprising receiving information corresponding to a prospective transaction by a user, computing a characteristic value for the user based at least in part on the information, and generating a score for at least one payment type based at least in part on the information and historical data about previous transactions, the at least one payment type corresponding to at least one computer-executed workflow for finalizing the prospective transaction. The system and method further comprising, determining, based at least in part on the score and the characteristic value, an interface to display to the user, the interface including functionality that enables the user to initiate execution of the at least one computer-executed workflow, and providing the interface to the user..
Klarna Ab

Beverage holder having a chip unit for performing payment transactions

A beverage holder apparatus includes a chip unit attached to a beverage holder and adapted to communicate with a chip unit reader to perform a payment transaction to purchase the beverage. The chip unit stores an account identifier associated with a financial account, and transmits the stored account identifier to the chip unit reader to perform the payment transaction..

Methods and facilitating immigration transactions using an accounting system for allocating employment credits

Methods, systems and apparatus for facilitating immigration transactions and investments are disclosed. Data is prepared for use in an immigration compliance report.
Innovative Visa Solutions, Llc

System and monitoring changes in databases and websites

A system and method is described for constructing a differential web in which information including objects, numbers, or text in databases and web pages may be selected using pointing device movements. Once selected, objects may be designated to be monitored for changes, said changes being captured and made browsable on web-like constructs.
Tksn Holdings, Llc

Apparatus and graphically displaying transaction logs

A computing device obtains and analyzes the log entries of a log file, and generates an interactive graph that visually represents the results of the analysis to output to a display device. More particularly, the device groups each log entry in the log file into a corresponding pattern, and then generates the graph to plot the line numbers of the log entries to their corresponding patterns.
Ca, Inc.

Management of long-running locks and transactions on database tables

Establishment of an exclusive lock on each of an outer database ownership table and an inner database ownership table is attempted. In response to establishing the exclusive lock on each of the outer database ownership table and the inner database ownership table, a switch is made to a pair of overlapping shared locks on each of the outer database ownership table and the inner database ownership table.
International Business Machines Corporation

System bus transaction queue reallocation

A bus architecture is disclosed that provides for transaction queue reallocation on the modules communicating using the bus. A module can implement a transaction request queue by virtue of digital electronic circuitry, e.g., hardware or software or a combination of both.
Atmel Corporation





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This listing is a sample listing of patent applications related to Transaction for is only meant as a recent sample of applications filed, not a comprehensive history. There may be associated servicemarks and trademarks related to these patents. Please check with patent attorney if you need further assistance or plan to use for business purposes. This patent data is also published to the public by the USPTO and available for free on their website. Note that there may be alternative spellings for Transaction with additional patents listed. Browse our RSS directory or Search for other possible listings.


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