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Transaction patents



      

This page is updated frequently with new Transaction-related patent applications.




Date/App# patent app List of recent Transaction-related patents
07/14/16
20160205442 
 Systems and methods for triggering user interfaces for product and/or service transactions via user receiving devices and mobile devices patent thumbnailSystems and methods for triggering user interfaces for product and/or service transactions via user receiving devices and mobile devices
A user receiving device including at least one transceiver module, an output module, and a control module. The at least one transceiver module is configured to receive a file from a first backend device.
The Directv Group, Inc.


07/14/16
20160205439 
 Systems and methods for spotted advertising and control of corresponding user interfaces and transactions via user receiving devices and mobile devices patent thumbnailSystems and methods for spotted advertising and control of corresponding user interfaces and transactions via user receiving devices and mobile devices
A user receiving device including at least one transceiver module, an output module, and a control module. The at least one transceiver module is configured to receive metadata and a program or video from a first backend device.
The Directv Group, Inc.


07/14/16
20160204944 
 Private electronic signature service for electronic documents patent thumbnailPrivate electronic signature service for electronic documents
Techniques are disclosed for providing an electronic signature service where the content of an electronic document to be signed remains unknown to the service. A sender of the electronic document negotiates a specification for encoding the electronic document.
Adobe Systems Incorporated


07/14/16
20160204660 
 Powering financial transaction token with onboard power source patent thumbnailPowering financial transaction token with onboard power source
There is provided a card or token for use in financial transactions. The financial transaction token or card has an onboard energy storage device that enables onboard electronics to operate when the card is not in the proximity of a merchant point-of-service (pos) terminal.

07/14/16
20160203563 
 Computerized accounting information system and a  processing accounting data patent thumbnailComputerized accounting information system and a processing accounting data
The present disclosure describes various embodiments, as well as features and aspects thereof, of a computerized accounting information system that comprises a data entry module, a command receiving module and a processing module. The computerized accounting information system configured to receive data entries relating to various transactions and complying with various accounting standard.

07/14/16
20160203554 
 Keypad patent thumbnailKeypad
Data processing systems and methods for managing transactions in auction-based trading of specialized items such as fixed income instruments are presented. The data processing system provides a highly structured trading protocol implemented through a sequence of trading paradigms.
Cfph, Llc


07/14/16
20160203551 
 Method and system for using payment transaction data in loan sourcing patent thumbnailMethod and system for using payment transaction data in loan sourcing
A method for assisting in loan brokering using transaction data includes: storing a plurality of account profiles, wherein each account profile includes data related to a transaction account including at least an account identifier and transaction data corresponding to a plurality of payment transactions involving the related transaction account; receiving a loan request from an entity, wherein the loan request includes a specific account identifier associated with the entity and one or more requested terms; receiving a data request from a loan provider; identifying a specific account profile stored in the account database where the included account identifier corresponds to the specific account identifier; and transmitting at least the one or more requested terms included in the received loan request and the transaction data included in the identified specific account profile to the loan provider in response to the received data request.. .
Mastercard International Incorporated


07/14/16
20160203550 
 System of business banking and management patent thumbnailSystem of business banking and management
A business banking and management system contains a few components, including sub-systems, databases and shopping mall. In this system, the member account can be associated with different identifiers, and each of the identifier can get access to the member account.

07/14/16
20160203527 
 Authentication system and method to improve trust in public reviews patent thumbnailAuthentication system and method to improve trust in public reviews
A method for authentication of user reviews includes providing a user certificate to a user's mobile device. A transaction log is received from the mobile device.
Xerox Corporation


07/14/16
20160203501 
 Systems and methods for merchant business intelligence tools patent thumbnailSystems and methods for merchant business intelligence tools
The disclosed embodiments generally relate to systems and methods for business analytics, and more particularly, to systems and methods for merchant business intelligence tools. Disclosed embodiments may include a method for providing merchant business intelligence.
Capital One Financial Corporation


07/14/16
20160203496 

Multivariate dynamic rules engine framework and system


A process, framework and system for monitoring and managing financial transactions to assure compliance with customizable sets of standards are disclosed. The multivariate dynamic rules engine framework and system invention comprises a plurality of modules for evaluating financial transactions, including the get review criteria module, the evaluate single transaction rules module, the evaluate profile rules module, and the evaluate accumulation rules module; a rules repository; a transaction repository; and a set of rules exceptions.
Optima Compass Group, Llc


07/14/16
20160203492 

System and requesting reconciliation of electronic transaction records for enhanced security


A system and method for enhancing security of an electronic transaction is described. The method comprises sending a request for an authentication of an electronic portable transaction device in connection with a new electronic transaction involving the electronic portable transaction device; sending a first record of one or more previous electronic transactions involving the electronic portable transaction device for comparison to a second record of one or more previous electronic transactions involving the electronic portable transaction; and receiving a message indicating whether there is a match between the first record and the second record..
Tactilis Sdn Bhd


07/14/16
20160203491 

Device reputation


A user device is associated with a dynamic trust score that may be updated as needed, where the trust score and the updates are based on various activities and information associated with the mobile device. The trust score is based on both parameters of the device, such as device type, registered device location, device phone number, device id, the last time the device has been accessed, etc.
Paypal, Inc.


07/14/16
20160203490 

Systems and methods for travel-related anomaly detection


A fraud score for a transaction in connection with an account is computed from retrieved data to indicate a probability of the account being in a compromised condition. A travel score is computed, wherein the computed travel score indicates a likelihood that a user of the account is traveling from a user home location at the time of the received transaction.
Sas Institute Inc.


07/14/16
20160203489 

Methods, systems, and identifying risks in online transactions


A method for identifying risks in online transactions is provided. The method includes recording a corresponding relation between an identification of a terminal device and an account after the terminal device logs in the account, calculating a total number of different accounts logged in by the terminal device within a first predetermined period of time, based on the corresponding relation, and calculating, based on the total number of different accounts, a transaction risk value representing a transaction risk of using the terminal device to perform an online transaction..
Alibaba Group Holding Limited


07/14/16
20160203488 

Anti-money laundering compliance alert life cycle management process and system


A process and system for managing anti-money laundering compliance alerts using customizable sets of standards are disclosed. The anti-money laundering compliance alert life cycle management process and system comprises a plurality of modules, including the aml engine, the alerts dashboard module, the investigation case management module, the regulator reports management module and the risk management module.
Optima Compass Group, Llc


07/14/16
20160203486 

Fraudulent transaction detection system for use in identity-based online financial transaction decisioning system


Embodiments of the invention provide for systems to determine potential fraudulent activity associated with online financial transaction identity-based transaction decisioning, to electronically determine decisions for transactions such as account opening, and the like. The embodiments herein described accurately provide a system tool to prevent fraudulent transactions from occurring, such as preventing accounts from being opened by individuals who present an identity risk and efficiently identify such risky applicants early in an automated decisioning process.
Bank Of America Corporation


07/14/16
20160203485 

Selective authentication based on similarities of ecommerce transactions from a same user terminal across financial accounts


A method of operating a computer system includes receiving from a merchant node an ecommerce authentication request for a pending ecommerce transaction associated with a user terminal. The ecommerce authentication request contains transaction information of the pending ecommerce transaction that includes a user terminal identifier.
Ca, Inc.


07/14/16
20160203484 

Method and system for retry processing of controlled payment transactions


A method for retrying processing of a controlled payment transaction includes: storing, in a first database, account profiles, each including data related to a transaction account including an account identifier and account controls; storing, in a second database, the account profiles stored in the first database, wherein data in each account profile in the second database corresponds to data in the corresponding account profile in the first database; receiving an authorization request for a transaction, the request including a specific account identifier and transaction data; determining an approval or denial of the transaction based on the account controls included in a profile in the second database including the specific account identifier and the transaction data if an attempt to determine approval or denial based on the account controls included in a corresponding account profile in the first database fails; and processing the payment transaction based on the determination.. .
Mastercard International Incorporated


07/14/16
20160203483 

Personal account authorization controls


Methods and systems for processing transactions are disclosed. An example method can comprise generating or manipulating an account.
Total System Services, Inc.


07/14/16
20160203481 

System and reconciling electronic transaction records for enhanced security


A system and method for enhancing security of an electronic transaction is described. The method comprises receiving a request for an authentication of an electronic portable transaction device in connection with a new electronic transaction involving the electronic portable transaction device; retrieving a first record of one or more previous electronic transactions involving the electronic portable transaction device from a first storage device; retrieving a second record of one or more previous electronic transactions involving the electronic portable device from a second storage device; and determining whether the first record and the second record are reconcilable..
Tactilis Sdn Bhd


07/14/16
20160203478 

System and comparing electronic transaction records for enhanced security


A system and method for enhancing security of a new transaction involving a portable transaction device by reconciling electronic transaction records is described. The method comprises receiving a first record of one or more previous electronic transactions involving the electronic portable transaction device from a first storage device; receiving a second record of one or more previous electronic transactions involving the electronic portable device from a second storage device; comparing the first record and the second record; and providing an indication of a match between the first record and the second record..
Tactilis Sdn Bhd


07/14/16
20160203477 

Cryptographic security for electronic transactions


Various embodiments include a wallet service that processes a cryptocurrency deposit into a cryptocurrency wallet account maintained in a wallet service system. The wallet service can receive an authentication parameter to authenticate the cryptocurrency deposit and record a transfer of a cryptocurrency amount from a first cryptocurrency address to a second cryptocurrency address.
Modernity Financial Holdings, Ltd.


07/14/16
20160203476 

Method and distribution of money transfers


A method for performing transactions comprises receiving registration information and transaction specifications, generating a distribution profile based on the registration information, and storing the transaction specifications in the distribution profile. The distribution profile is identified based on an initiation instruction and associated user authentication data, and one of the transaction specifications in the distribution profile is identified based on the initiation instruction.
Moneygram International, Inc.


07/14/16
20160203471 

Wireless to magnetic transition smart card


A method and a device are disclosed including a transition smart card (tsc) configured to be programmed by a smart phone to receive financial card information, such as credit and debit cards, and present the same data to a card readers, such as magnetic card readers, for performing financial transactions. The tsc may wirelessly connect with the smart phone using near field communication (nfc) devices to receive account information, format the account information for presentation to a magnetic card reader and transmit such information to the magnetic card reader upon detection of the reader.

07/14/16
20160203469 

System and facilitating monetary transactions


A system and method for facilitating monetary transaction is provided. The system and method utilizes a remote communication device.

07/14/16
20160203468 

Method for authenticating transactions


The present invention generally relates to systems and methods for authenticating transactions through a simplex communication. To allow trusting the transaction with a payment by an image code such qr code, the invention proposes means to authenticate said transaction.
Gemalto Sa


07/14/16
20160203467 

Apparatuses and methods for operating a portable electronic device to conduct mobile payment transactions


Methods for operating a portable electronic device to conduct a mobile payment transaction at a merchant terminal are provided. The electronic device may verify that the current user of the device is indeed the authorized owner by requiring the current user to enter a passcode.
Apple Inc.


07/14/16
20160203457 

Transaction system, processing device, and control device


A recording device in a transaction processing system extracts extraction information that is used in a process executed by a control server to provide a service from transaction information based on a transaction process, and outputs a code containing a url of the control server to which extraction information and identification information are added. When accessed by a terminal reading the code, the control server acquires and stores the extraction information and uniform identification information added to the url, and uses the stored extraction information to execute a process providing a service..
Seiko Epson Corporation


07/14/16
20160203455 

Point of sale (pos) docking station a mobile barcode scanner gun system with mobile tablet device or stand alone mobile tablet device


A pos docking station for a mobile scanner gun system or mobile tablet (tablet) processes pos sales transactions. An upper housing assembly enclosure houses the “tablet” in a “cradle fashion” fitting snuggly around the “tablet”, providing stability and form fit integration.
Retail Technologies Corporation


07/14/16
20160203451 

System and providing controlling surcharge fees charged at a collection of atms


Methods, systems, and computer storage are disclosed herein that operate to implement and manage an atm membership service across a collection of participating atm machines. The atm membership service provides its registered members surcharge-free access to the participating atms.
Cardtronics, Inc.


07/14/16
20160203346 

Smart card system comprising a card and a carrier


A system and method for facilitating wireless transactions using a smart card, the system comprising a housing having an opening configured to accept a smart card; a smart card interface configured to be coupled to the smart card when the smart card is accepted into the opening and configured to provide a data communication link with one or more processers in the smart card; a wireless transceiver configured to engage in wireless data communication with a transaction terminal when the smart card interface is coupled to the smart card; and a power source configured to supply power to the wireless transceiver and the smart card interface.. .
Tactilis Sdn Bhd


07/14/16
20160203267 

Systems and methods for generating customized medical media


Systems and methods for generating customized media for drug, biotechnology, medical device and diagnostic marketing, promotion, and education are provided. In some embodiments, data is received for users from one or more data sources.
Mazonson And Santas Llc, Dba Clearcost Health


07/14/16
20160203266 

Systems and methods for generating customized media for human resource management


Systems and methods for presenting customized media for human resource management are provided. In some embodiments, data is received for users from one or more data sources.
Mazonson And Santas Llc. Dba Clearcost Health


07/14/16
20160203093 

Interconnect and operation of an interconnect


An interconnect, and method of operation of an interconnect, are provided for connecting a plurality of master devices and a plurality of slave devices. Hazard management circuitry is used to serialise transactions to overlapping addresses.
Arm Limited


07/14/16
20160203043 

Separating storage transaction logs


Disclosed herein are a system, non-transitory computer-readable medium, and method for maintaining storage unit transaction logs. Storage unit transaction logs received from controllers are separated..
Hewlett-packed Enterprise Development Lp


07/14/16
20160203034 

Commit-one-phase distributed transactions with multiple starting participants


A read-only message is sent by a first participant of multiple participants of a two-phase distributed transaction. The read-only message is received by a processor executing a coordinator node.
Red Hat, Inc.


07/14/16
20160199738 

Automated stock transactions regarding components of sports teams


Implementing automated stock transactions regarding sports teams may be accomplished by a variety of systems, processes, and techniques. In particular implementations, initial stock values associated with components of sports teams may be determined based on rankings for a plurality of sports teams in a plurality of game-based based statistical categories, each statistical category associated with a component of each team, and each team having a separate ranking in each statistical category.

07/07/16
20160198301 

Validating services business addresses from payments and geolocation data


Systems, methods, and computer program products are provided for determining on a web map whether a business exists at a given location. A specialized computing device receives a possible geographic location indicating where the business may be.
Mastercard International Incorporated


07/07/16
20160197803 

Virtual service automation


A data source is identified that includes transaction data describing a set of transactions involving a particular software component and each transaction in the set of transactions includes a request and a corresponding response to the request. In some aspects, a modification to the data source is detected and the service model is caused to be generated based on detecting the modification.
Ca, Inc.


07/07/16
20160197801 

Electronic health and welfare monitoring of network server operations


A computer implemented method for electronic monitoring of transaction processing system (tps) applications is provided. The computer implemented method includes receiving tps application data from at least two servers.
Bank Of America Corporation


07/07/16
20160197774 

Using transactions to compute and propagate network forwarding state


For a controller for managing a network comprising several managed forwarding elements that forward data in the network, a method for configuring a managed forwarding element is described. The method generates a first set of flow entries for defining forwarding behaviors of the managed forwarding element based on a current network policy for a logical network implemented in the several managed forwarding elements.
Nicira, Inc.


07/07/16
20160196624 

A method, process and system for facilitation and management of real estate transactions


A process to facilitate the reservation of a right to sell a piece of real estate, wherein said process includes the following steps: a first party publishing a listing of a piece of real estate; wherein the listing at least includes information selected from the following group of data relevant to the piece of real estate: address; lot number; current status reservation fee; and price data; and wherein the first party approves at least one second party; the second party who interacts with said listing by indicating their intention to reserve the said right; the second party pays a reservation fee to the first party; and a second party arranges for the sale of the piece of real estate from the first party to a third party.. .
Realestate.com.au Pty Ltd


07/07/16
20160196572 

Systems and methods to provide messages in real-time with transaction processing


A computing apparatus configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.. .
Visa International Service Association


07/07/16
20160196559 

Mobile device detection of merchant fraud


A system, method and a device for offline authentication of transactions using mobile device, based on, analytic engine such as behavioral pattern detection are provided. The behavioral pattern can be for a specific person, for group of people with similar characteristics, or a combination of the two.
Offla Selfsafe Ltd.


07/07/16
20160196557 

Cloud-based payment processing


Method and systems are described that enable transactions to be processed between a client and multiple terminals without the need for physical cables or dedicated proxies. Additionally, long polling may be used between a terminal and a cloud server to ensure that transaction may be processed efficiently.
Axia Payments, Inc.


07/07/16
20160196554 

Method and processing transactions


Method and apparatus for processing a transaction are disclosed. The method includes receiving an original card number used for a request of processing a transaction; calculating a hash value corresponding to the original card number based on the original card number, and acquiring an index card number corresponding to the original card number based on the hash value corresponding to the original card number; and sending the index card number to an entity that processes the transaction to enable the entity to process the transaction based on the index card number.
Alibaba Group Holding Limited


07/07/16
20160196553 

System for electronically transferring assets


Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, by a first computing device of a first user, for obtaining an image of a code presented on a display of a second computing device of a second user, deciphering the code to obtain an identifier of the second user and a signature, verifying that the signature is valid and, based thereon, initiating a first transaction: preventing the first user and the second user from entering into any other transactions until the first transaction is completed or canceled, receiving an acceptance of the first user to transfer a first amount of a digital currency to the second user, obtaining a digital currency network address of the second user based on the identifier, initiating the transfer through a digital currency network using the digital currency network address of the second user and a private key of the first user, reporting the transaction to a remote system, receiving a confirmation from the first user that a second amount of a real currency has been received from the first user, and sending a notification to the second device indicating that the transaction is complete.. .
Plutus Financial Inc.


07/07/16
20160196546 

Apparatus and commercial transactions using a communication device


An apparatus for commercial transactions using a transaction card via a communication device in audio communication with a remote processor assembly is provided. The apparatus comprises an input device for capturing information from the transaction card, a controller for converting the captured card information into an audio signal.
4361423 Canada Inc.


07/07/16
20160196510 

Operational data rationalization


An approach is provided for rationalizing operational data. A current data profile of a current dataset utilized by a current data transaction is determined.
International Business Machines Corporation


07/07/16
20160196322 

Processing transactions in a synchronized replication system


Embodiments of the present disclosure provide a method, a computer program product and apparatus for processing transactions in a synchronized replication system, wherein the method comprises, at a source site in the synchronized replication system: serializing commits of transactions in the synchronized replication system so that only one of the transactions can be committed at the same time; in response to initiating the commit of the one transaction, generating a log for each of transactions that are ongoing in the synchronized replication system, so as to record impact of all operations of a respective transaction on the synchronized replication system; marking transactions for which the logs have been generated; and completing commits of the marked transactions.. .
Emc Corporation


07/07/16
20160196231 

System and bus bandwidth management in a system on a chip


Various embodiments of methods and systems for managing bus bandwidth allocation in a system on a chip are disclosed. Certain embodiments monitor a high speed bus for a measurement window of time to identify valid bits uniquely associated with transaction requests issued by a master processing engine.
Qualcomm Incorporated


07/07/16
20160196191 

Salvaging hardware transactions


A transactional memory system salvages a partially executed hardware transaction. A processor of the transactional memory system saves state information in a first code region of a first hardware transaction.
International Business Machines Corporation


07/07/16
20160196173 

Electronic management system for technology support reporting


Systems and methods for generating a visual indicator based on receiving a report of a transaction processing error, the error comprising an informality in a software instruction code executed during a first attempt to process a transaction. The systems may be configured to determine a preconfigured time period for correcting the software instruction code causing the transaction processing error and compare it to the actual time it took to correct the software instruction code to determine whether the processing error was corrected within the preconfigured time period.
Bank Of America Corporation


07/07/16
20160196163 

Using databases for both transactions and analysis


Among other things, requests are received for tasks to be performed in a database. The tasks include tasks that will cause changes in data of the database and other tasks that must be executed on data in the database that is consistent time-wise.
Miosoft Corporation


07/07/16
20160196161 

Salvaging hardware transactions


A transactional memory system salvages a partially executed hardware transaction. A processor of the transactional memory system determines information about an about-to-fail handler for transactional execution of a code region of a hardware transaction.
International Business Machines Corporation


06/30/16
20160192194 

Secure way to build internet credit system and protect private information


A method includes building trust system among internet users, signing up in websites without password and protecting personal data in mobile device. Global unique identifier (guid) is used to identify and accumulate internet credit for users and websites.

06/30/16
20160191857 

Dynamic allocation of video resources


Video transaction machines (vtms) facilitate communications and transactions between customers of a financial institution and video transaction resources, such as video agents, by establishing a video session between a vtm and a video agent workstation. After a computing device of the financial institution receives information identifying the customer, vtm, or vtm location requesting the services of a video agent, the computing device may place the customer in one or more virtual queues based on an overall visit time at the vtm location.

06/30/16
20160191540 

Authentication based on proximate devices


In one embodiment, a computer-implemented method includes, in response to an attempt by a user to perform a transaction using a computing device, accessing a communication device connected to the computing device. A presence of one or more nearby devices, with respect to the computing device, is detected through use of the communication device connected to the computing device.

06/30/16
20160191514 

Secure transaction and access using insecure device


The present invention enables secure transactions or access using insecure endpoint devices, such as computers, tablets and smart-phones. These insecure devices are potentially compromised with malicious software that may attack the user in every possible way.

06/30/16
20160191349 

Stress testing and monitoring


Computer networks include multiple hardware and software devices, each working together to provide a favorable user experience to an operator. Many of these devices are built to standards that have been published by international standards organizations.

06/30/16
20160189550 

System and management of airspace for unmanned aircraft


A system and method for management of airspace for unmanned aircraft is disclosed. The system and method comprises administration of the airspace including designation of flyways and zones with reference to features in the region.

06/30/16
20160189479 

Pre-authorized transaction interleaved wagering system


Systems and methods for operating a pre-authorized transaction interleaved wagering system are disclosed. A pre-authorized transaction interleaved wagering system uses pre-determined unique pre-authorized transaction identifiers to track transactions between and entertainment game and a game world controller that manages wager decisions within the pre-authorized transaction interleaved wagering system..

06/30/16
20160189292 

Programmatic loan underwriting for prepaid accounts


Systems and methods for loan underwriting for prepaid accounts in accordance with embodiments of the invention are disclosed. In one embodiment, a method for processing transactions includes obtaining transaction data using an account servicing server system, wherein the transaction data includes price data and metadata identifying a consumer account, obtaining product account data based on the metadata using the account servicing server system, wherein the product account data includes account balance data describing the funds available, calculating loan risk data based on the transaction data and the product account data using the account servicing server system, determining loan eligibility data based on the calculated loan risk data using the account servicing server system, generating transaction approval data based on the loan eligibility data and the transaction data using the account servicing server system, and providing the transaction approval data using the account servicing server system..

06/30/16
20160189281 

Multi-site order fulfillment with single gesture


Disclosed is a system and method for fulfilling orders for multiple entities located on websites with distinct entity checkout systems with a single user input. The process for fulfilling orders for two entities includes receiving a first indication to purchase a first entity and a second indication to purchase a second entity, where the first entity is associated with a first retailer and the second entity is associated with a second retailer.

06/30/16
20160189262 

System and buy through transactions


In various example embodiments, a system and method for buy through transactions are presented. In an example embodiment, buy through listings for desired products are created by buyers.

06/30/16
20160189258 

Apparatus and performing secure transactions with a digital device


Method to perform secure transactions with a digital device starts with microphone receiving signal generated by the digital device. Signal includes product information in inaudible portion of signal that identifies at least one product associated with a timeframe of signal.

06/30/16
20160189192 

Collecting and analyzing data for targeted offers


An application platform configurable for collecting user data associated with a plurality of retail-branded credit cards is provided. The application platform includes a configurable front end comprising a graphical user interface layer that is configurable to a specific one of the plurality of retail-branded credit cards, a backend layer comprising credit card functionality for directly performing credit card transactions associated with a specific one of the plurality of retail-branded credit cards, a data collection layer comprising a data collector for collecting user data associated with the plurality of retail-branded credit cards and an offer provider for providing an offer to a user based on the user data associated with said plurality of retail-branded credit cards..

06/30/16
20160189160 

System and deanonymization of digital currency users


Methods and systems for deanonymizing digital currency users and transactions. The deanonymization system monitors communication sessions that are conducted in a communication network.

06/30/16
20160189154 

Authentication device that enables transactions with a payment instrument


Embodiments of systems and methods are provided for an authentication device that enables transactions with a payment instrument at different limitations, restrictions and/or use conditions. In an embodiment, a system comprises a receiver configured to receive, through an authentication device, authentication information associated with a user of the authentication device or with a payment instrument, wherein the payment instrument communicates with the authentication device, and the payment instrument has a first limitation that does not need pre-authorization.

06/30/16
20160189152 

Collecting and analyzing data from a mobile device


An application platform configurable for collecting user data associated with a plurality of retail-branded credit cards is provided. The application platform includes a configurable front end comprising a graphical user interface layer that is configurable to a specific one of the plurality of retail-branded credit cards, a backend layer comprising credit card functionality for directly performing credit card transactions associated with a specific one of the plurality of retail-branded credit cards, a data collection layer comprising a data collector for collecting user data associated with the plurality of retail-branded credit cards and an analytics engine coupled with the data collection layer for determining one or more attribute about a user from the user data associated with the plurality of retail-branded credit cards..

06/30/16
20160189145 

Consumer / merchant payment processing system and methods of system use and operation


A method for a customer to establish a system account on my payment processing system website for executing merchant payment transactions; the customer visiting the website; the customer purchasing system service and receiving a code number and a personal identification number and receiving an email from customer service and the customer transferring funds from a bank account or a credit card account into the customer account by purchasing a corresponding number of website currency units; and the website storing and indicating the amount of website units in stored values. The method includes the additional steps for a new merchant to register to use the website; the website processing all data received from the merchant and confirming; and designating the merchant as a website registered merchant and the website operator integrate the merchant contents database into the present payment processing system merchant database.

06/30/16
20160189144 

Alternative payment online transactions using interactive voice response


A method for performing payments in remote transactions between a buyer and a vendor is provided. The method includes receiving buyer information from a vendor's network outlet when the buyer indicates a desire to purchase a selection at a later time through an interactive voice response (ivr) center; providing a token to the buyer; receiving information about the token from the buyer through the ivr center; verifying the information about the token; transferring funds from a buyer account to a vendor account.

06/30/16
20160189142 

Methods and systems of secure credit-card commerce transactions


In one aspect, a computerized method for secure credit card commerce transactions can include the step of receiving in a computer with a memory, from a user-side computing device, an electronic message that a user intends to use a credit card, wherein the electronic message comprises a request to activate the credit card, and wherein the credit card is initially in an inactive state. With at least one processor of the computer implementing the following steps can be implemented: placing the credit card in an active state; detecting that the credit card has been used for a commercial transaction; and placing the credit card in an inactive state after it has been detected that the credit card has been used for a commercial transaction..

06/30/16
20160189140 

Near field contactless online transactions


Systems, methods, and apparatuses are directed to conducting online transactions by virtue of a near field communication (nfc) reading mechanism configured to contactlessly read nfc-compliant provisioning information including a monetary value. Moreover, logic is configured to initiate establishment of a communication link, automatically send a request message to confirm the read provisioning information via the communication link, store at least a portion of the provisioning information in a secure memory unit, and based on the confirmation of the provisioning information, automatically present on a display unit, the monetary value, selectable transaction options, and an online information resource link to accommodate execution of a selected transaction option..

06/30/16
20160189136 

Authentication of mobile device for secure transaction


There are provided systems and methods for authenticating a mobile device for use in a secure transaction. A user having a master device authenticated for use in a secure transaction system, such as an electronic payment system, identifies a secondary device to be enabled for use in processing a secure transaction.

06/30/16
20160189132 

System and beacon based navigation to offer based transactions and beacon based digital transactions with multiple layer authentication


A system and method of interaction with beacons to execute a multiple layer authenticated transaction process including receiving a signal from the beacon, analyzing a relative signal strength of the beacon, enabling a portable computer device to complete the digital transaction based on the proximity of the portable computer device to an item for purchase. A first user verification input is additionally received via the portable computer system.

06/30/16
20160189126 

Method and system for safely transmitting transaction sensitive data based on cloud pos


The present application discloses a secure transfer method for cloud-based pos transaction sensitive data, comprising steps of: (a) exchanging a transaction process key with the cloud pos terminal; (b) receiving, from the cloud pos terminal, the transaction request packet encrypted by using the transaction process key; and (c) obtaining the transaction sensitive data from the transaction request packet, and using the transaction process key to operate on the transaction sensitive data so as to upload to the financial acquiring platform. The present invention also discloses a secure transfer system for cloud-based pos transaction sensitive data..

06/30/16
20160189125 

Server-based product substantiation with local filtering system and method


A system and method is presented for product substantiation and promotion redemption. A purchased product list is transmitted from a retail store system to a promotion analysis server along with a user identifier.

06/30/16
20160189122 

Internet payment system using credit card imaging


A system and a method for conducting credit card transactions through a mobile device of a user. The mobile device comprises an image acquisition unit and a mobile application operated by the mobile device.

06/30/16
20160188820 

Method, system, and real time benefit check


Methods, systems, and apparatuses are described for real time benefit check (rtbc). Described method, system, and apparatus embodiments are provided to enable real-time request/response transactions initiated by a prescriber to a pharmacy benefits management (pbm).

06/30/16
20160188611 

Archival management of database logs


A method for preventing suspension of transactions in a database computing system by monitoring active database logs of the database computing system is provided. The method comprises switching archive units of the database computing system due to full database log condition occurring during system operations of the database computing system.

06/30/16
20160188501 

Reordering responses in a high performance on-chip network


Flow logic supports concurrency of multiple threads and/or tag ids to be concurrently communicated across the interconnect while allowing the one or more target ip cores to be able to reorder incoming request transactions from the initiator ip core in a manner that is optimal for that target ip core while relieving that target ip core from having to maintain the sequential issue order of transaction responses to the incoming request transactions in the thread or tags when processed by the target ip core. The flow logic cooperates with the reorder storage buffers to control an operation of the reorder storage buffers as well as control issuance of at least the request transactions from the initiator ip core onto the interconnect in order to maintain proper sequential ordering of the transaction responses for the thread or tags when the transaction responses are returned back to the initiator ip core..

06/30/16
20160188447 

System testing using nested transactions


A computer system includes a processor and a data store coupled to the processor. An application component is operably coupled to the processor and the data store and is configured to run one or more applications stored in the data store.

06/23/16
20160182636 

Application multi-versioning in a traditional language environment


Operating an online transaction processing system to perform an application including a first module call by performing the following steps (not necessarily in the following order): (i) assigning a dedicated search path to the application, where the search path specifies an ordered set of location(s) for searching for module code, the set of location(s) includes at least a first dynamic module library and the first dynamic module library is ahead of any other locations which may be included in the dedicated search path; (ii) running the application through the transaction processing system; (iii) receiving the first module call, from the running of the application, specifying a requested module using a requested module name; and (iv) in response to the module call, locating the requested module based on the requested module name and the dedicated search path.. .

06/23/16
20160182328 

Performance analysis and bottleneck detection in service-oriented applications


Techniques are disclosed for assembling statistics for diagnosing performance and scalability issues in soa systems. Key statistics related to key points in a soa system, for key activities during processing of transactions in the soa system, are collected and aggregated.

06/23/16
20160182326 

Techniques for determining queue backlogs, active counts, and external system interactions in asynchronous systems


Techniques are disclosed for determining inbound and outbound external queue backlogs, internal queue backlogs, active counts, and external system interaction data values in systems employing asynchronous communication techniques, which may be used for comparative performance analysis and bottleneck detection in service-oriented applications. Key statistics related to key points in a soa system, for key activities during processing of transactions in the soa system, are collected and aggregated.

06/23/16
20160182298 

Reliability improvement of distributed transaction processing optimizations based on connection status


A method, computer program product, and system for resolving a potential in-doubt condition of a distributed transaction, is provided. A processor receives a request to commit a transaction for a distributed transaction protocol that includes an applied process, the transaction includes a transfer of a commit decision from a coordinating node to a participating node.

06/23/16
20160180466 

Historical transaction-based account monitoring


Apparatuses, systems, methods, and program products are disclosed for historical transaction-based account monitoring. A method includes receiving historical and current transaction data for a plurality of user accounts at a mobile device over a computer network.

06/23/16
20160180454 

Account review trigger feature


In systems and methods, account data associated with one or more account of a first financial institution are received and the account data is stored in a storage device; triggers are identified based on the account data, where the triggers include one or more transactions; external account activity of one or more accounts associated with a second financial institution is determined based on the one or more transactions; and a product recommendation is provided to a user associated with one or more accounts of the first financial institution based on the identified external activity. The systems and methods further provide determining a shift in internal account usage of the one or more accounts associated with the first financial institution based on the one or more transactions..

06/23/16
20160180444 

Multi-cart concurrent digital e-book transactions


Methods and systems for multi-cart concurrent digital e-book transactions are provided. A distinct gesture is correlated with each of a plurality of e-book recipients.

06/23/16
20160180370 

Loyalty reward system and method


A consumer loyalty reward system where a single member refers additional members to the program. As members conduct transactions (purchases) at participating vendors, the vendors transmit details of the transactions to a processing center.

06/23/16
20160180353 

Analyzing data of cross border transactions within a network trading platform


Disclosed are a system comprising a computer-readable storage medium storing at least one program, and a computer-implemented method for generating cross-border evaluation data for evaluating cross-border transactions within an online marketplace. A database interface module accesses aggregated sales data that is indicative of sales values linked to respective origin countries and respective destination countries.

06/23/16
20160180339 

Method and system for industry-based suppression of payment transactions


A method for suppressing payment transactions based on industry classification includes: storing an account profile, the profile including data related to one or more transaction accounts including a plurality of industry thresholds, each industry threshold being associated with a merchant industry; receiving an authorization request for a payment transaction, the request including a transaction amount and a merchant identifier associated with a merchant involved in the payment transaction; identifying a specific merchant industry associated with the merchant involved in the payment transaction based on the merchant identifier; processing the payment transaction if the transaction amount does not exceed an industry threshold associated with the specific merchant industry; and transmitting an authorization response declining the payment transaction if the transaction amount exceeds the industry threshold associated with the specific merchant industry.. .

06/23/16
20160180335 

Alarm service


In some examples, a method to facilitate financial transactions includes receiving data relating to a financial transaction and determining whether a security token is presently available to authenticate the financial transaction. If the security token is not presently available to authenticate the financial transaction, the method also includes scheduling a reminder to execute the financial transaction when the security token becomes available..

06/23/16
20160180334 

Email address token integration


A system and method to facilitate transactions between a customer and a vendor is disclosed. The system and method include receiving a response email, wherein the response email includes a short lookup token associated with the transaction between a customer and a vendor; determining the long token associated with the short lookup token; decoding the long token; performing a validation of the decoded long token; and processing the transaction, on a condition that validation is approved.

06/23/16
20160180327 

Systems and methods for contactless and secure data transfer


In one embodiment, a method comprises receiving a unique identifier from an item and sending a communication to an electronic device requesting that a user confirm a pending transaction, receiving input from the electronic device associated, and sending the received input to an authentication system for completing a transaction. In another embodiment, a system comprises a sensor, an authentication system, and a transaction processing system.

06/23/16
20160180324 

Method and system for accrual and spending of small change transactions


A method for electronically processing change in a cash transaction includes: storing a plurality of account profiles, each profile including data related to a consumer including a phone number associated with a mobile communication device and a currency amount; receiving a short message service (sms) message from a first phone number associated with a first mobile communication device, the message including a second phone number and a change amount; identifying a first account profile where the included phone number corresponds to the first phone number; identifying a second account profile where the included phone number corresponds to the second phone number; transferring the change amount included in the received sms message from the first account profile to the second account profile; and transmitting an sms message to the second phone number, the message including a notification of the transfer of the change amount to the second account profile.. .

06/23/16
20160180317 

Offline peer-to-peer transactions


Conducting offline transactions comprises associating, using one or more computing devices, a user computing device with a payment account of a user and a counter-party computing device with a payment account of a counter-party, the user computing device and the counter-party computing device being activated to conduct transactions utilizing the accounts; receiving a transaction request from the user computing device indicating that an offline transaction was conducted with the counter-party computing device; conducting a transfer of funds from the payment account of the user to the payment account of the counter-party; providing a confirmation of the transfer to the user computing device and a confirmation of the transfer to the counter-party computing device; and providing an updated balance of the peer-to-peer payment account of the user to the user computing device and an updated balance of the payment account of the counter-party to the counter-party computing device.. .

06/23/16
20160180316 

Techniques to automatically predict and configure payment transactions


Techniques to automatically predict and configure payment transaction are described. In one embodiment, an apparatus may comprise a prediction component operative to receive context information for a user and predict a user interest in a payment transaction based on the context information, a user interface component operative to offer to initiate the payment transaction to the user based on the predicted user interest in the payment transaction and receive a user confirmation of the user interest in the payment transaction, and a payment component operative to initiate the payment transaction in response to the received user confirmation.

06/23/16
20160180313 

Flexible electronic payment transaction process


A point of sale (pos) terminal is programmed to execute emv transactions by interaction with payment devices in accordance with a standard emv transaction flow. An emv transaction is commenced at the pos terminal with a particular payment device.

06/23/16
20160180307 

Mobile phone atm processing methods and systems


Embodiments provide systems, methods, processes, computer program code and means for using mobile devices to conduct transactions with atm devices.. .

06/23/16
20160180306 

System, method, and reprogramming a transaction card


A system for reprogramming a transaction card may include a reprogrammable microchip transaction card, an account provider system, and a mobile device. A reprogrammable transaction card may include an embedded microprocessor chip, or integrated circuit (ic), housing various modules to provide card capabilities, such as transaction capabilities, security capabilities, and reprogramming capabilities.

06/23/16
20160180304 

Combined electronic payment and transfer for digital banking channels


Methods, systems, and apparatuses for combined electronic payment and transfer for digital banking channels are described. The described embodiments provide a user-facing system for sending money from one account to another account over any one of multiple money movement rails.

06/23/16
20160180301 

Simplifying user interaction in computer-aided transaction processing system


The present disclosure describes methods, systems, and computer program products for computer-aided transaction processing. One computer-implemented method includes receiving, from a client device, an initiation message to initiate a transaction process; retrieving, at a server, transaction data from a database, wherein the transaction data is saved in the database during a previous transaction process; executing, at the server, a transaction based on the transaction data; obtaining a transaction result of the transaction; and transmitting, to the client device, a response message that indicates the transaction result..

06/23/16
20160180264 

Retention risk determiner


A system for determining retention risk comprises a grouper, a filter, a normalizer, a feature vector extractor, a model builder, and a predictor. The grouper is for determining a set of time series of transactions where each is associated with one employee.

06/23/16
20160180262 

System and testing enterprise transactions


A system and a method for testing enterprise transactions involve receiving test definitions at a computer and executing a test of at least one transaction involving a plurality of computer devices in an enterprise environment. The test applies the definitions as input to the computer devices.

06/23/16
20160180173 

Method and system for queue length analysis


A system and method for analysing queues in frames of video enables operators to preferably draw three regions of interest overlaid upon the video as short, medium, and long queue regions that form a notional queue area within the video. The regions are drawn with knowledge of, or in anticipation of, foreground objects such as individuals and vehicles waiting for service in a queue.





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