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Transaction patents



      
           
This page is updated frequently with new Transaction-related patent applications. Subscribe to the Transaction RSS feed to automatically get the update: related Transaction RSS feeds. RSS updates for this page: Transaction RSS RSS


Computational resource management

Techniques for validating data exchange

Compact security device with transaction risk level approval capability

Date/App# patent app List of recent Transaction-related patents
08/21/14
20140237573
 Method and system using a cyber id to provide secure transactions patent thumbnailMethod and system using a cyber id to provide secure transactions
A method and system for securing a user transaction involving a subscriber unit (“su”) (having a processor, memory, and a display configured to accept user input), a credential information manager (“cim”) (having a processor and memory), and a transaction service provider (“tsp”) (having a processor and memory). A cyber identifier (“cyberid”), a subscriber identifier (“subscriberid”), and subscriber information, each associated with the user, is stored in the cim.
08/21/14
20140237482
 Computational resource management patent thumbnailComputational resource management
Computational tasks are completed using third-party (user) devices. The tasks are delivered to a computational resource manager (broker) by a task originator.
08/21/14
20140237252
 Techniques for validating data exchange patent thumbnailTechniques for validating data exchange
Disclosed are various embodiments for confirming transactions between cryptographic applications. A transaction confirmation is generated using metadata for ciphertext data.
08/21/14
20140237242
 Compact security device with transaction risk level approval capability patent thumbnailCompact security device with transaction risk level approval capability
The present invention relates to the field of securing electronic transactions and more specifically to systems to indicate and verify the approval of the risk level of a transaction and to systems for generating transaction risk level approval codes.. .
08/21/14
20140237172
 Imparting durability to a transactional memory system patent thumbnailImparting durability to a transactional memory system
A transactional memory system uses a volatile memory as primary storage for transactions. Data is selectively stored in a non-volatile memory to impart durability to the transactional memory system to allow the transactional memory system to be restored to a consistent state in the event of data loss to the volatile memory..
08/21/14
20140237155
 Providing a peripheral component interconnect (pci)-compatible transaction level protocol for a system on a chip (soc) patent thumbnailProviding a peripheral component interconnect (pci)-compatible transaction level protocol for a system on a chip (soc)
In one embodiment, the present invention includes an apparatus having an adapter to communicate according to a personal computer (pc) protocol and a second protocol. A first interface coupled to the adapter is to perform address translation and ordering of transactions received from upstream of the adapter.
08/21/14
20140237154
 Integrating non-peripheral component interconnect (pci) resources into a computer system patent thumbnailIntegrating non-peripheral component interconnect (pci) resources into a computer system
In one embodiment, the present invention includes an apparatus having an adapter to communicate according to a personal computer (pc) protocol and a second protocol. A first interface coupled to the adapter is to perform address translation and ordering of transactions received from upstream of the adapter.
08/21/14
20140236976
 Match window size for matching multi-level transactions between log files patent thumbnailMatch window size for matching multi-level transactions between log files
A predefined number of matches is identified between records in a first file and records in a second file. For the matches, determine the span of the actual range of record positions in the second file relative to the positions of the operation records in the first file within which all matches were found.
08/21/14
20140236913
 Accelerating distributed transactions on key-value stores through dynamic lock localization patent thumbnailAccelerating distributed transactions on key-value stores through dynamic lock localization
Systems and methods for accelerating distributed transactions on key-value stores includes applying one or more policies of dynamic lock-localization, the policies including a lock migration stage that decreases nodes on which locks are present so that a transaction needs fewer number of network round trips to acquire locks, the policies including a lock ordering stage for pipelining during lock acquisition and wherein the order on locks to avoid deadlock is controlled by average contentions for the locks rather than static lexicographical ordering; and dynamically migrating and placing locks for distributed objects in distinct entity-groups in a datastore through the policies of dynamic lock-localization.. .
08/21/14
20140236891
 Recovery point objective enforcement patent thumbnailRecovery point objective enforcement
A maximum lag between data stores can be specified that corresponds to a recovery point objective defined in a service level agreement. Lag can be monitored during a data replication between a primary data store and a secondary data store located in geographically different regions.
08/21/14
20140236887
Data seeding optimization for database replication
Streaming database replication is provided by merging a stream of user transactions with a stream of copy transactions comprising copy data into a combined stream on a source. A target receives a single stream that includes copy transaction and concurrent user transactions in an order that enables conflicts between data being copied and user transactions to be handled correctly.
08/21/14
20140236834
Methods, uses and system for transmitting, converting, and displaying a challenge token as an optically readable code
The present invention includes methods for completing the secure transfer of information, such as purchase transactions, money transfers, identification transfers, loyalty point transfers and coupon transfers. The methods comprise generating, transmitting and displaying a digital challenge token as an optically readable code, to be scanned and answered.
08/21/14
20140236831
Credit card system and method
A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards.
08/21/14
20140236828
Systems and methods for secure and transparent cardless transactions
Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Payment information can be sent directly from a consumer to a non-merchant, thereby allowing no new entities to obtain the payment information.
08/21/14
20140236823
Online prepaid gift card identification
Methods and systems are provided for authorizing online purchase transactions made with non-reloadable prepaid cards, such as gift cards. An online purchase transaction using a non-reloadable prepaid card can be identified by performing a balance inquiry and an address verification system (avs) inquiry.
08/21/14
20140236815
Multi currency exchanges between participants
A method and apparatus for facilitating payment transactions in multiple currencies between participants is provided. In one embodiment, an option is provided to a user to select a currency in which to make a payment.
08/21/14
20140236809
System and method for electronic money end of life management
The present invention concerns a system and method for transferring electronic money. More particularly, it relates to improving the checking method used to validate the transfer at a central server.
08/21/14
20140236782
Travel expense automation
A method of monitoring the expenses of a traveller during the progress of an itinerary utilises nfc for carrying out the financial transactions associated with the itinerary and updates a corporate erp or similar financial database with the financial transactions as they occur allowing rapid allocation to cost centres. The itinerary may be laid out in terms of itinerary events, each of which may be tracked by an nfc connection with an nfc device at an expected location and date for the itinerary event..
08/21/14
20140236772
System and method for digital writer-reader content creation and distribution
A system and method for creation and distribution of writer-reader content through a social publishing service are described. The social publishing service directly connects readers with writers, using words as the unit of currency for transactions.
08/21/14
20140236763
Methods and systems for determining the reliability of transactions
Systems and methods for determining a reliability of a transaction involving an account identifier identifying a chargeable account are disclosed. An account identifier identifying a chargeable account is received at a data receiving unit of a verification system.
08/21/14
20140236751
Methods and system for electronic commerce facility client-based presentation offer management
A method, system and computer readable medium for facilitating interactive electronic commerce transactions over an electronic commerce network between a plurality of sellers and a plurality of buyers via an independent service provider. A request is received from a seller over the electronic commerce network to generate an auction program process associated with the seller.
08/21/14
20140236746
Methods of facilitating merchant transactions using a computerized system including a set of titles
A method of facilitating a transaction between a merchant and a buyer using a computerized system including a set of titles. The method includes storing the set of titles in a merchant site corresponding to a set of products for sale; browsing the merchant site using a client device and selecting a product for purchase; and generating a payment slip title for the product including information relating to a payment amount and a buyer identifier.
08/21/14
20140236740
System and method for interactive virtual banking
Embodiments of the invention are directed to a computer-implemented interactive virtual banking system and method for connecting a user environment with a banking environment for facilitating banking transactions. The system may include a computer memory storing a plurality of banking application programs and an interactive virtual environment generator for generating an interactive virtual banking environment, the environment including visual and audio components.
08/21/14
20140236703
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.
08/21/14
20140236702
Systems and methods for data collection and providing coupons at a point of return
Systems and methods are described for collecting data at a merchant's point of return for use in processing a merchandise return transaction that is being requested by a customer. In various embodiments, the data may be collected using a wide variety of data collection technologies and may be used in conjunction with stored data, including data collected from other merchants, by a return authorization system to make a determination whether to accept or deny the requested merchandise return and whether to provide a coupon to the customer.
08/21/14
20140236695
Transaction log for loyalty based offers and awards
Financial transactions are tracked and a communication thread related to a financial transaction is generated. A reward stimulus is offered as part of and related to the communication thread.
08/21/14
20140236693
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.
08/21/14
20140236692
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.
08/21/14
20140236685
Methods and apparatus for conducting financial transactions
A method of establishing wireless communications between an interrogator and individual ones of multiple wireless identification devices, the method comprising combining tree search and aloha methods to establish communications between the interrogator and individual ones of the multiple wireless identification devices without collision. A system comprising an interrogator, and a plurality of wireless identification devices configured to communicate with the interrogator in a wireless fashion, the respective wireless identification devices having a unique identification number, the interrogator being configured to employ tree search and aloha techniques to determine the unique identification numbers of the different wireless identification devices so as to be able to establish communications between the interrogator identification and individual devices without ones of the multiple wireless collision by multiple wireless identification devices attempting to respond to the interrogator at the same time..
08/21/14
20140236684
Parking facility monitoring systems, methods and components and real-time auditing of parking operations
The present invention is directed to systems and methods for real-time auditing and management of parking facility operations. In particular, the invention allows for real-time auditing and management of transactions relating to parking credentials, such as parking tickets.
08/21/14
20140236678

A computing apparatus is configured to: receive a search term from a user; identify a region within which a residence location of the user is located; obtain a spending profile generated based on aggregating transaction data of users residing in the region; and customize a search result based on the spending profile. For examples, spending of users residing in different regions (e.g., identified via zip+4 postal codes) can be aggregated within respective regions, and normalized and/or ranked across the regions to generate spending preference indicators.
08/21/14
20140236672
Systems and methods to provide real-time offers via a cooperative database
In one aspect, a computing apparatus is configured to: store transaction data recording transactions processed by a transaction handler; organize third party data according to community, where the third party data includes first data received from a first plurality of entities of a first community and second data received from a second plurality of entities of a second community; and responsive to a request from a merchant in the second community, present an offer of the merchant in the second community to users identified via the transaction data and the first data received from the first plurality of entities of the first community. In one embodiment, the first data provides permission from the merchant in the first community to allow the merchant in the second community to use intelligence information of the first community to identify users for targeting offers from the merchant in the second community..
08/21/14
20140236641
System for facilitating travel related transactions
In a method for executing travel transactions, at least one packet is received at a central server from a remote computer. The travel packet includes a parameter describing a travel-related object and a conditional offer for purchase of the travel-related object made by a user.
08/21/14
20140235201
Point of sales and customer support for femtocell service and equipment
A femto cell service framework is utilized for purchase and service of femtocell equipment and customer support thereof. A point of sale (pos) platform enables purchase of femtocell equipment based on a set of eligibility criteria.
08/21/14
20140235197
Text-to-bill transaction processing system
A text-to-bill processing transaction system is described. A consumer transmits a text message having a merchant keyword component and a transaction details component.
08/21/14
20140232863
Video analytics system
A video analytics system includes a first database for storing searchable time-stamped transactional data indicative of activity within a monitored system, a second database for storing time-stamped video metadata, wherein the time-stamped video metadata comprises searchable attributes associated with a raw video data stream; and a rule-based correlation server for comparing the time-stamped transactional data with the time-stamped video metadata to identify correlation events indicating potential activity of interest. An output subsystem reports the correlation events from the correlation engine.
08/14/14
20140230066
Identifying and preventing leaks of sensitive information
Determining sensitive information and preventing the unauthorized or unintended dissemination of such information are disclosed. Terms are determined from documents associated with users in a network.
08/14/14
20140230010
Trusted and secure techniques for item delivery and execution
Documents and other items can be delivered electronically from sender to recipient with a level of trustedness approaching or exceeding that provided by a personal document courier. A trusted electronic go-between can validate, witness and/or archive transactions while, in some cases, actively participating in or directing the transaction.
08/14/14
20140229382
Broker-mediated payment systems and methods
In certain embodiments of systems and methods for conducting payment transactions between a payer and a payee, the payer selects one or more payment sources from various funding sources and accounts available to the payer, and instructs a payment broker's server to perform payment authorization and/or payment routing and clearing services on the payer's behalf. The payment broker's server notifies the payer and/or the payee of the payment authorization status and, if approved, instructs the funding source to send the payment to or for the payee without divulging the payer-selected funding source or account to the payee..
08/14/14
20140229378
Systems and methods for authentication notification
A processor implemented method and system for preventing fraudulent transactions between users and vendors. The method includes: receiving, at a server, information relating to a transaction between a user and a vendor, the server receiving the information from at least one vendor transaction processing unit, the server comprising at least one server processor and being coupled to at least one data storage device; locating on the at least one storage device contact information relating to the at least one user, the contact information comprising at least one communications address for at least one customer-registered unit associated with the user; and c) transmitting transaction information to the at least one user-registered unit over the at least one communications network..
08/14/14
20140229376
Using both social media and non-social media information to identify anomalous behavior
A method, system and computer program product for identifying anomalous behavior (e.g., suspicious transactions). Information from at least one social media source (e.g., a posting) and from at least one non-social media source (e.g., a booking) are monitored.
08/14/14
20140229373
Card-less financial transaction
Systems (and corresponding methodologies) that facilitate card-less financial transactions are provided. The innovation enables card-less atm (automated teller machine) transactions such as cash withdrawals, transfers, balance inquiries, etc.
08/14/14
20140229367
Apparatus for financing mobile equipment
A system and method for payment of an item purchased using credit is presented. A system includes financial transaction detection logic and payment logic.
08/14/14
20140229350
Method for creating and auctioning options on real estate properties to enable risk managed future transactions and to add liquidity in real estate market
Aspects of the present disclosure provides a method to enable the selling and buying of a property at a future time for a pre-agreed price. In accordance with aspects of the disclosure, a series of call options and put options on a property are created and transacted between a seller and a buyer.
08/14/14
20140229349
Facilitating a personal data market
This disclosure relates to a system configured to facilitate a personal data market in which personal data is transacted. The system comprises one or more processors configured to execute computer program modules.
08/14/14
20140229335
Distributed cloud services system and uses thereof
Distributed internet services system and cloud computing methods, particularly, for improving user experience during e-commerce transactions. A non-transitory storage medium tangibly stores processor-executable instructions to execute the methods..
08/14/14
20140229304
Systems and methods for secure wireless payment transactions when a wireless network is unavailable
Systems, methods, and devices are disclosed which allow a mobile device user to complete financial transactions even when the mobile device is not connected to a wireless network. The systems, methods, and devices of the present disclosure may utilize a combination of an encrypted lockbox containing out of network payment codes on the mobile device and a matching set of out of network payment codes stored on a server of a payment authority..
08/14/14
20140229276
Financial transaction processing with digital artifacts and a default payment method using a pos
A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user.
08/14/14
20140229266
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.
08/14/14
20140229261
Method and apparatus for processing credit card transactions
Systems and methods are disclosed whereby credit and debit card transactions are processed at a merchant point-of-sale terminal in a manner that provides customers the opportunity to receive one or more charge enhancement offers which are presented to the customer on a record of charge.. .
08/14/14
20140229260
Coupon bearing sponsor account transaction authorization
A transaction handler receives, for forwarding to a sponsor account's issuer, a coupon authorization request message from a merchant's acquirer that identifies the sponsor account and a coupon for an item being purchased by a consumer in a transaction with the merchant. The issuer determines eligibility of the coupon for use by the consumer, and sends an authorization response message to the merchant via its acquirer and the transaction handler for the application of a corresponding discount for the item when the coupon is eligible.
08/14/14
20140229259
Remote transaction processing with an ad
A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user.
08/14/14
20140229256
Product substantiation using approved product list 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.
08/14/14
20140229241
System and method for calculating and displaying price distributions based on analysis of transactions
Embodiments of systems and methods for the aggregation, analysis, display and monetization of pricing data for commodities in general, and which may be particularly useful applied to vehicles are disclosed. Specifically, in certain embodiments, historical transaction data associated with a particular vehicle configuration may be obtained and processed to determine pricing data associated with the vehicle configuration.
08/14/14
20140229231
Method and system for enabling, maximizing and proliferating the endorsement of transactions utilizing social media and incentives to drive user engagement
Systems and methods directed generally towards capturing, tracking, and incentivizing customer endorsements at a point of interaction or transaction and monitoring and facilitating the spreading of that endorsement through the customer's social media channels in an effort to influence the purchase or transaction decisions of that customer's social media connections and the connections of their connections and so on.. .
08/14/14
20140229230
Method and system for enabling, maximizing and proliferating the endorsement of transactions utilizing social media and incentives to drive user engagement
Systems and methods directed generally towards capturing, tracking, and incentivizing customer endorsements at a point of interaction or transaction and monitoring and facilitating the spreading of that endorsement through the customer's social media channels in an effort to influence the purchase or transaction decisions of that customer's social media connections and the connections of their connections and so on.. .
08/14/14
20140229203
Pre-paid and closed loop transaction system
A method for processing transactions comprising receiving transaction data. Electronically determining whether to process the transaction data as a pre-paid transaction or a closed loop transaction using data processing equipment.
08/14/14
20140228128
System and method for creating a secure trusted social network
A system for a plurality of users to share resources with access, control and configuration based on pre-defined relationships of trust between the users of the system. A computer-based authority provides the services of authentication, identification and verification of each user within network.
08/14/14
20140226800
Enhanced monitoring of performance for unified communication services
The present disclosure includes descriptions of various aspects of unified communication (uc) systems, including uc management and analysis systems and related tools and techniques. Described systems, tools, and techniques are adapted for enhanced uc data capture, analysis, and reporting; enhanced uc monitoring services; and a user survey service that can be used for conducting user surveys related to uc services.
08/07/14
20140223216
Power management of low power link states
A method and apparatus for intelligent power management for low power link states. Some embodiments include methods, apparatuses, and systems for a device coupled to a controller via a link; a link power management engine to alter a power state of the link based on a transaction and some knowledge of future transactions between the device and the controller; and a memory or logic to store the link power management engine.
08/07/14
20140223062
Non-authorized transaction processing in a multiprocessing environment
A protocol for executing the instructions of a non-authorized transaction on the same processor in a multiprocessor environment is provided. A first instruction of a non-authorized transaction including a sequence of instructions is executed.
08/07/14
20140223059
Write transaction interpretation for interrupt assertion
A method and circuit for a data processing system (12) provide a virtualized programmable interrupt control system (70) which processes interrupt event reports from interrupt sources (e.g., 14, 40) which generate write transactions to an address for an interrupt event register (80) which is authenticated and then interpreted based on the current state of the targeted interrupt to generate the next state using an interpretation table (306) and predetermined configuration/state bits (310-314).. .
08/07/14
20140223049
Bridge circuit for bus protocol conversion and error handling
Embodiments of a bridge circuit and system are disclosed that may allow for converting transactions from one communication protocol to another. The bridge circuit may be coupled to a first bus employing a first communication protocol, and a second bus employing a second communication protocol.
08/07/14
20140223047
System and method for per-task memory protection for a non-programmable bus master
A system includes a non-programmable bus master. The non-programmable bus master includes a memory protection unit (mpu) to operate in a first configuration with a first set of access permissions and a second configuration with a second set of access permissions, and hardware logic.
08/07/14
20140223007
Method and system for monitoring performance of an application system
A method for monitoring performance of an application system which is distributed across a plurality of network connected nodes, comprising: generating a hierarchical model for the application system, the hierarchical model having a plurality of levels, each level including components of a span specific to that level; mapping the application system onto the hierarchical model according to a network topology of the application system; monitoring network traffic between the plurality of network connected nodes of the application system to gather network traffic data; assembling the network traffic data into application messages; correlating the application messages into sets of one or more application messages that are causally associated in accordance with the hierarchical model, wherein the sets of causally associated application messages constitute transactions corresponding to a lowest level of the hierarchical model; and, generating records of individual transactions occurring within the application system for at least the transactions corresponding to the lowest level of the hierarchical model.. .
08/07/14
20140222885
System for real-time data processing
A real-time data processing apparatus that is connected to a user over a network, the real-time data processing apparatus comprising a data access unit that accesses user transaction data from the user, a data storage that stores orchestration process data that includes information relating to a processing of the user transaction data, a transaction processing unit that: i) accesses the user transaction data from the data access unit, ii) accesses the orchestration process data from the data storage, and iii) processes the user transaction data using the orchestration process data and a transaction data communication unit that communicates a result of the processed user transaction data in real-time to the user, wherein the real-time data processing apparatus does not store the accessed user transaction data in a non-volatile storage medium.. .
08/07/14
20140222689
Secure and efficient payment processing system
A method of processing commercial transactions carried out over the internet (50) between account holders (30) and participating merchants (20) includes receiving a purchase request (352) of a buyer from a participating merchant (20) indicating that the buyer desires to carry out a transaction with the merchant (20). The transaction includes the buyer purchasing one or more selected items (340) from the merchant (20).
08/07/14
20140222688
Apparatus and methods for secure element transactions and management of assets
Methods and apparatus for the deployment of financial instruments and other assets are disclosed. In one embodiment, a security software protocol is disclosed that guarantees that the asset is always securely encrypted, that one and only one copy of an asset exists, and the asset is delivered to an authenticated and/or authorized customer.
08/07/14
20140222682
Provisioning a mobile communication device with electronic credentials
A novel system and methodology for conducting financial and other transactions using a wireless device. Credentials may be selectively issued by issuers such as credit card companies, banks, and merchants to consumers permitting the specific consumer to conduct a transaction according to the authorization given as reflected by the credential or set of credentials.
08/07/14
20140222680
Apparatus, system and method for secure transactions and monitoring in a retail environment
An apparatus, system method of providing mobile checkout. The apparatus, system and method may include obtaining, via an opt-in to an in-store wireless network, of consumer device data regarding a plurality of consumer mobile devices, the consumer data comprising device use data, prior purchase data, and gps data, receiving video surveillance data related to at least one consumer having consumer device data, interrelating, from at least one non-transitory computer-readable medium storing at least the consumer device data and the video surveillance data, of at least the consumer device data and the video surveillance data by at least one computing processor, and applying, by the computing processor, of a plurality of business rules to the interrelated datas to enable at least the mobile checkout, wherein the mobile checkout includes a purchase of at least one in-store item via the consumer device associated with the purchasing one of the at least one consumer..
08/07/14
20140222678
System and method for authentication using speaker verification techniques and fraud model
Embodiments of the invention provide for speaker verification on a communication device without requiring a user to go through a formal registration process with the issuer or network. Certain embodiments allow the use of a captured voice sample attempting to reproduce a word string having a random element to authenticate the user.
08/07/14
20140222677
Methods and systems for verifying transactions
An aspect of the present invention provides a computer-implemented method for verifying authorisation of a transaction. The method comprises the steps of: receiving a request to process an electronic transaction for a predetermined amount of money (215); dividing the predetermined amount into a plurality of charges (225); providing the plurality of charges to facilitate debiting of a financial instrument with each of the plurality of charges (235); receiving information relating to the plurality of charges from a user of the financial instrument after debiting of the charges (245); and verifying the transaction only if the information is correct (255)..
08/07/14
20140222673
System and method for communicating financial transactions using a tagless data interchange format
An automated banking a machine such as a teller cash recycler uses a system and method for receiving operating instructions from a remote system in the form of javascript object notation (json) documents. The system and method uses a computer implemented method for transmitting information between automated banking machines over a communication network.
08/07/14
20140222671
System and method for the execution of third party services transaction over financial networks through a virtual integrated automated teller machine on an electronic terminal device.
Disclosed is an automated computerized system and customer facing electronic device screen interface that acts as virtual integrated automated teller machine, referred to herein as the iatm system. The iatm system enables electronic terminal device users to request and authorize their preferred financial services through the existing automated teller machine (atm) and point-of-sale (pos) networks by automating non bank third party financial services transactions on the electronic terminal device.
08/07/14
20140222668
Electronic commerce network with transactions analytics
A system that processes transactions, in response to a transaction using a financial instrument, receives an identity of a financial instrument, such as a card hash. The system creates an anonymous account that corresponds to the financial instrument, and stores line level data associated with the transaction in the anonymous account.
08/07/14
20140222666
Method and apparatus for processing electronic transaction information
The present invention relates to a method and apparatus for processing electronic transaction information, the method comprising: accepting a payment request submitted by a channel entrance page, the payment request comprising an electronic tag corresponding to the channel entrance page; making a payment in accordance with the payment request and outputting a payment result; identifying a distribution platform corresponding to the electronic tag; generating a payment result page based on the identified distribution platform; and outputting the payment result page. In accordance with the method and apparatus for processing electronic transaction information of the present invention, electronic tags are embedded in the processing steps of the electronic transactions, and two or more independent and closed transaction processing systems sharing the same payment process can be established.
08/07/14
20140222664
Social network transaction processing system
A system for transferring funds using social network connections. The system sends application programming interface (api) requests to social networks to obtain “friend” information and create accounts into which funds are deposited and which may be retrieved by recipients via hyperlinks in messages provided through social networks.
08/07/14
20140222662
Intelligent automated online transaction system for automated interaction with online transaction web sites
Methods, techniques, and systems for providing adaptive automated interaction capabilities for computer applications that request automated conducting of domain specific transactions via a domain specific online transaction website, e.g. An online-banking web site in a failure-proof manner.
08/07/14
20140222655
Method and system for automatic regulatory compliance
A system and method implementing an automated database-driven web interface operable to automatically ensure compliance with various laws. A customizable and dynamically-generated information-collection system enables various businesses, including banks, to comply with various laws relating to financial transactions, including the bank secrecy act, the patriot act, dodd-frank act, and fatca..
08/07/14
20140222646
Smartcard-based value transfer
In a value transfer scheme, users are provided with programmable devices, for example, smart cards, capable of carrying data representing at least one available commodity value. Data representing user accounts is held at a remote processing station.
08/07/14
20140222636
Comparing financial transactions of a social networking system user to financial transactions of other users
A social networking system obtains financial transaction activity for its users and allows its users to obtain reports of their spending compared to various benchmarks. The benchmarks may be for various demographic groups, networks to which the user belongs, groups of users connected to a user, or any other suitable grouping of users.
08/07/14
20140222632
Data transaction acceleration using multiple data structure types
A method of accelerating execution of a transactions includes storing financial ledgers in a relational database, prepopulating a multidimensional data cube using the relational database, executing the transactions using the data cube by querying the data cube for aggregated balances to generate result values, generating accounting journal entries that update each account in the ledgers affected by the transactions using the result values from the data cube, posting the accounting journal entries to the financial ledgers in the relational database, repopulating the data cube with the changes resulting from the posted journal entries, and updating the aggregated balances of the data cube.. .
08/07/14
20140222630
Apparatus, system and method for facilitating and securing access to transactions in a retail environment
An apparatus, system and method of facilitating a retail transaction. The apparatus, system and method may include obtaining, via an opt-in to an in-store wireless network, of consumer device data regarding a plurality of consumer mobile devices, the consumer data comprising device use data, prior purchase data, and geo-location data; receiving video surveillance data related to at least one consumer having the consumer device data; interrelating, from at least one non-transitory computer-readable medium storing at least the consumer device data and the video surveillance data, of at least the consumer device data and the video surveillance data by at least one computing processor; and unlocking, at a direction of the computing processor and pursuant to a plurality of business rules to the interrelated datas, at least one in-store protection proximate to a location indicated by the geo-location data to allow a prospective purchasing one of the consumers to access at least one previously locked in-store item..
08/07/14
20140222615
Services for enabling users to share information regarding e-commerce transactions
Various computer-implemented services are disclosed for assisting users in selecting items from an electronic catalog, and for selecting merchants with which to conduct transactions. One such service enables users to share information about their respective purchases with other users.
08/07/14
20140222599
Integrated communications network for transactions
An integrated communications network may be integrated with existing payment systems to provide for more efficient and secure payment related communications. The integrated communications network may use mobile network protocol encapsulation to provide more efficient, faster, and more robust payment related communications to a payment processor across a mobile network.
08/07/14
20140222559
Method and system of customer level transaction analytics across merchant sites
A method for reporting a consumer profile includes: storing offline financial transaction data involving at least two merchants, each transaction associated with a consumer; receiving an information request, the request including a consumer identifier; identifying browsing information associated with the consumer; analyzing the browsing information and the transactions associated with the consumer to identify a profile; and transmitting the profile to a merchant. A method for displaying a customized web page includes: storing browsing data associated with a consumer; receiving a web page request; identifying the consumer identifier; transmitting an information request, the request including the consumer identifier; receiving offline transaction information for transactions involving the consumer and at least two merchants; analyzing the browsing data and the transaction information to identify a profile; customizing the web page data based on the profile; and transmitting the customized web page data to the consumer for display..
08/07/14
20140222558
Facilitating electronic commercial transactions in an augmented reality environment
Techniques are disclosed for facilitating electronic commerce in an augmented reality environment. In some embodiments, a method comprises detecting, by a mobile device, presence of the physical product or the real life service; and presenting, on the mobile device, information to conduct the transaction of a physical product or a real life service via the augmented reality environment.
08/07/14
20140222557
Wirelessly preprocessing a transaction while in a queue
A transaction is preprocessed wirelessly in response to a wireless transaction preprocessing user device being in a queue for a point-of-transaction. The transaction that was preprocessed is then completed in response to the wireless transaction preprocessing user device reaching the point-of-transaction.
08/07/14
20140222546
System and method for managing transactions with a portable computing device
A method and system include verifying credentials for gaming access to a transactional controller with the portable computing device. The transactional controller may receive a merchant identifier corresponding to a merchant and then it may compare the merchant identifier against loyalty account data stored in a database.
08/07/14
20140222545
Method of enhancing point-of-sale systems
A method of operating a point-of-sale (pos) system (1), the pos system comprising a pos terminal (3) having a software module (17, 21) thereon for enabling a retailer to process transactions within a transaction environment, and a peripheral device (5, 7) in communication with the pos terminal (3), the pos system (1) further comprising a driver software module (40) installed between the pos terminal (3) software module (17, 21) and the peripheral device (5, 7), the method comprising: receiving, at the driver software module (40), data sent between the software module (17, 21) and the peripheral device (5, 7) in communication with the pos terminal (3); communicating with a further device (44, 60, 64) in dependence on the data received at the driver software module (40); receiving modified data from the further device (44, 60, 64); and outputting the modified data.. .
08/07/14
20140222541
Method and apparatus for value allocation exchange
A value allocation brokerage and exchange system. In one embodiment, the value allocation brokerage and exchange system comprises a broker server used to buy and sell points over the internet.


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