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05-01-2012 дата публикации

Transactional services

Номер: US20120005091A1

Принадлежит: C SAM Inc

Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.

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Номер записи: 1

05-01-2012 дата публикации

Transactional services

Номер: US20120005092A1

Автор: Mehul Desai, Satyan G. Pitroda

Принадлежит: C SAM Inc

Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.

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Номер записи: 2

05-01-2012 дата публикации

Transactional services

Номер: US20120005726A1

Автор: Mehul Desai, Satyan G. Pitroda

Принадлежит: C SAM Inc

Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.

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Номер записи: 3

12-01-2012 дата публикации

Portable Terminal, Portable Terminal-Electronic Apparatus Associating System and Portable Terminal-Electronic Apparatus Associating Method

Номер: US20120009975A1

Автор: Naoyuki Wakabayashi, Yoshihisa Nishigori

Принадлежит: Funai Electric Co Ltd

This portable terminal includes a transmission portion capable of transmitting an information disclosure request signal for making an electronic apparatus disclose apparatus specifying information for specifying the electronic apparatus to the electronic apparatus, a communication portion formed to be capable of acquiring the apparatus specifying information disclosed by the electronic apparatus and a control portion associating a portable terminal body portion and the electronic apparatus with each other on the basis of the apparatus specifying information acquired by the communication portion.

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Номер записи: 4

12-01-2012 дата публикации

News induced automated electronic securities transactions

Номер: US20120011047A1

Автор: John P. Elliott, Steven A. Burrows

Принадлежит: News Tech LLC

News information is received. It is determined if the news information contains a reference to a company. It is further determined if the news information matches criteria associated with the company. Securities are automatically trade upon determining that said news information contains a reference to the company and determining that said news information matches criteria associated with the company.

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Номер записи: 5

19-01-2012 дата публикации

S/M for conducting a purchase transaction of eligible goods or services using a stored value

Номер: US20120012648A1

Автор: Mark Leonard, Robert Skiba, Samuel R. Collins

Принадлежит: E2interactive Inc

The present invention is directed to systems and methods of conducting a purchase transaction of eligible goods or services using a stored value associated with an indicia. Methods in accordance with the invention may include steps of: receiving at a point-of-sale identifiers of goods or services selected for purchase and the indicia; determining if the goods or services comprise eligible goods or services; totaling the amount required for the purchase of the eligible goods or services; determining if the stored value is sufficient for purchase of the eligible goods or services; using the stored value towards the purchase of the eligible goods or services; and using an additional funding source provided by the purchaser towards the purchase of any goods or services that are not eligible goods or services. Systems may include various communication interfaces, databases, and processing modules.

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Номер записи: 6

19-01-2012 дата публикации

Check Processing And Funds Verification

Номер: US20120016755A1

Автор: Andrea M. Connell

Принадлежит: Bank of America Corp

A system and method of verifying sufficient funds in an account associated with a negotiable instrument, such as a check, money order, traveler's check, etc., received for payment is provided. The verification of funds may be provided prior to accepting the check as payment. In some examples, the check may be scanned into a funds verification system at a back office or front end system, such as a check out lane, point of sale system, etc., of a merchant, vendor, service provider, etc. receiving the check for payment. The scanned image of the check may be transmitted to a financial institution associated with the merchant, vendor, service provider, etc. and the financial institution may verify that sufficient funds exist. If sufficient funds exist, the check may be deposited into an account of the vendor, merchant, service provider, etc. at the financial institution.

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Номер записи: 7

19-01-2012 дата публикации

Method of and system for capturing interest earned on the monetary value of transferred monetary rights managed on an internet-based monetary rights transfer (mrt) network supported by a real-time gross settlement (rtgs) system

Номер: US20120016782A1

Автор: Joseph H. Hardison, III

Принадлежит: Individual

Method of capturing interest associated with a whole or partial amount of money possessed or controlled by an owner/holder and held in a first account maintained by a home financial institution, associated with a monetary rights transfer (MRT) network operably connected to the infrastructure of the Internet and a real-time gross settlement (RTGS) system, and the home financial institution or an external financial institution associated with the MRT network, maintaining a second account, interest bearing, for the owner/holder of the amount of money to capture interest.

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Номер записи: 8

26-01-2012 дата публикации

Personal Data Aggregation, Integration and Access

Номер: US20120022987A1

Автор: David Anthony Orr, Kim Leah Bunn

Принадлежит: Bank of America Corp

A data storage archive is provided for storing personal information and other data from a variety of disparate information sources. The information stored may be later electronically accessed and retrieved by users without requiring the users to carry physical documentation having the information stored thereon. The information may be stored in association with a user's financial account at a financial institution. For example, the information may be indexed or stored in an account identified by the user's financial account number or other financial identifier. In some arrangements, accessing the personal information may include a validation process using a security device separate from a device through which a user is attempting to access the information. Personal information may also be shared among financial account holders based on legal and financial relationships known to the financial institution. A user may also manually assign access privileges to other users.

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Номер записи: 9

26-01-2012 дата публикации

System and method for exchanging information among exchange applications

Номер: US20120023193A1

Автор: Gabriel Oancea, Mark Eisner

Принадлежит: FireStar Software Inc

A system and method for communicating transaction information includes a plurality of client application devices distributed among one or more local client application devices and one or more remote client application devices, and a plurality of gateways distributed among one or more local gateways and one or more remote gateways. The one or more local gateways are configured to communicate the transaction information with the one or more local client application devices, with which the one or more local gateways are associated, using one or more local data formats. The one or more remote gateways are configured to communicate the transaction information with the one or more remote client application devices, with which the one or more remote gateways are associated, using one or more remote data formats. The one or more local gateways are configured to transform the transaction information in the one or more local data formats into one or more common data formats that are shared with the one or more remote gateways. The one or more remote gateways are configured to transform the transaction information in the one or more common data formats into the one or more remote data formats. The transaction information from the one or more local client application devices is communicated to the one or more remote client application devices for completing a transaction.

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Номер записи: 10

02-02-2012 дата публикации

System and method for immediate issuance of transaction cards

Номер: US20120029999A1

Автор: Jason J. HOGG, Patrick Graf

Принадлежит: Serve Virtual Enterprises Inc

A system and method for substantially immediate issuance of transaction cards includes at least one unassigned transaction card including a storage medium having a card number encoded thereupon. The system also includes a computing system configured to receive application information from an applicant that has been provided said unassigned transaction card, and to activate the unassigned transaction card so that access to monetary funds is extended to the applicant through said unassigned transaction card, upon an evaluation of said application information indicating that the applicant has been approved for access to the monetary funds. The unassigned transaction card bears no visible marking presenting information concerning the applicant and encodes no information concerning said applicant upon the storage medium of said unassigned transaction card.

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Номер записи: 11

02-02-2012 дата публикации

Online check register using check imaging

Номер: US20120030105A1

Автор: Alicia C. Jones, Mark D. Zanzot, Zhongmin Agarwal

Принадлежит: Bank of America Corp

Embodiments of the invention relate to systems, methods, and computer program products for maintaining an updated check register in connection with an online banking account of a payor that tracks pending check payments using check imaging technology. Some embodiments of the present invention provide a computer-implemented method including the following steps: receiving an image of at least a portion of a paper check, wherein the portion comprises an indication of an amount of money to be drawn on a financial account, processing the image to determine the amount, identifying the financial account, and recording the amount in connection with the financial account, wherein the recording step occurs prior to receiving any indication that the check has been presented for payment. In addition, the method may also include making the financial account with an indication of the pending payment available to be viewed by the payor.

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Номер записи: 12

09-02-2012 дата публикации

Method and system for a real-time interactive web/media-based electronic new or remote hire document processing system interfaced/interlink to an employer authorized distal/remote notaries public or 3rd party agent

Номер: US20120036081A1

Автор: Anthony L. Jackson, Audrella JACKSON, Brenda F. HATTER, Curtis A. PATTON, Derwin K. Stewart, Edward EDERAINE, Gene WILEY, Gregory Jones, II Jesse A. HATTER, Linton WILEY, Michael D. HATTER, Miykael S. HATTER, Reginald Ferrell, Robert L. Jackson, Rosie J. HATTER, Sariyah Y. HATTER

Принадлежит: Individual

Disclosed is an interactive web based method and system facilitating an employee to virtually and electronically process their employee eligibility verification and certification with a live remote Notary Public or authorized third party agent; comprising on demand functionality implementing web-based appointment booking, on-line payment platform, secure web based interactive videoconferencing communication 42 in real-time, digital webcam, real-time identification authenticating, digital video secure socket layer signing certificate, secure digital and annotating signing, network document delivery system, and secure archive. Method and system for a real-time interactive web/media based electronic new or remote hire document processing system interfaced/interlinked to an employer authorized distant/remote notaries public or 3 rd party agent.

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Номер записи: 13

16-02-2012 дата публикации

Wallet Consolidator to Facilitate a Transaction

Номер: US20120041815A1

Автор: Frank J. Gangi

Принадлежит: E Micro Corp

A wallet consolidator to warehouse information pertaining to at least one card and to retrieve the warehoused information to facilitate a transaction is provided. An embodiment of a Wallet consolidator can include a housing, one or more input devices positioned to receive information, and a memory device positioned to store at least a portion of the information received by the one or more input devices. The wallet consolidator can also include a radio frequency wireless communication interface associated with the housing and adapted to communicate with a point-of-sale terminal thereby to provide at least a portion of the Information stored in the memory device to the point-of-sale terminal, a display screen, and a controller positioned within the housing in communication with and to control each of the one or more input devices, the memory device, the radio frequency wireless communication interface, and the display screen.

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Номер записи: 14

16-02-2012 дата публикации

Aggregation of trading orders

Номер: US20120041868A1

Автор: Arman Glodjo, Nathan D. Bronson, Scott E. Harrington

Принадлежит: Setec Astronomy Ltd

Systems and methods for generating limit order books are disclosed. A computer system may receive, from a plurality of trading entities, orders that are specified using a machine-to-machine communication protocol. The computer system may select two or more of the received orders, including orders from at least two different ones of the plurality of trading entities, and then generate a limit order book that includes the selected orders. The computer system may then convey the limit order book to a graphical user interface of a trader. In one embodiment, the orders may be for foreign exchange instruments.

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Номер записи: 15

16-02-2012 дата публикации

System and method for payment data processing

Номер: US20120041872A1

Автор: Chirayu Gangadhar Harshe, Eric Randall Bessell, George J. White, Gregory James Bricker, Jay Stumpf Dollard, Kirk Thomas Kotz, Lambert Wayne LeRoux, Laura C. Rogers, Mark A. Lawler, Michael Kerrick Nicholls, Michael P. Duffy, Rosemary R. Thomas, Russell James Mahy, Satish Menon

Принадлежит: Chase Paymentech Solutions LLC

A system for processing transaction data and payment data is provided. The system includes a front-end system that receives transaction data from one or more merchants, such as an employee identifier. A back-end system receives payment data from one or more payment systems, such as fraud data. A reporting system that is connected to the front-end system and the back-end system correlates the transaction data the payment data, such as to show employee identifier data and fraud data in a single record.

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Номер записи: 16

01-03-2012 дата публикации

Method and apparatus for conducting a transaction based on brand indifference

Номер: US20120054031A9

Автор: Andrew Golden, Andrew Van Luchene, Daniel Tedesco, Jay Walker, Jonathan Otto, Magdalena Mik, Russell Sammon

Принадлежит: Groupon Inc

A method and apparatus allows a customer to indicate his or her brand indifference within a product category, and then receive a benefit for purchasing a product chosen by a third party from within this product category. This method and apparatus is particularly useful in differentiating between brand-loyal or brand-sensitive customers and brand-indifferent customers, and allows manufacturers to price-discriminate between these two types of customers. The method includes a step during which an indication of at least one product or service category of interest is received from a customer or other potential purchaser, a step during which a selection of at least one product or service is made that matches the indicated product or service category, a step during which an indication of the selected product or service is provided to the customer or other potential purchaser or to a device used or accessible by the customer or other potential purchaser, a step during which an indication is received that the customer or other potential purchaser has actually purchased, rented, leased, obtained, etc. the selected product or service, and a step during which a benefit is provided to the customer or purchaser who actually purchased, rented, leased, obtained, etc. the selected product or service, or to some other person or entity designated by the customer or some other person or entity.

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Номер записи: 17

08-03-2012 дата публикации

System and method for custom service markets

Номер: US20120059742A1

Автор: Edward Katzin, Mark Carlson

Принадлежит: VISA INTERNATIONAL SERVICE ASSOCIATION

Methods and systems for providing custom services are disclosed. A developer interface provides standards, such as an application platform interface, for developers to use to make and test applications and services. A user interface can access downloadable or hosted services or applications to multiple users, such as, merchants, banks and networks. The system can then provide custom individual or packages of services to users based on the services requested by the user and charge the user for them on a subscription or per-use basis.

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Номер записи: 18

15-03-2012 дата публикации

Method and System for Securing Accounts

Номер: US20120066107A1

Автор: Sven Grajetzki

Принадлежит: Individual

Embodiments of the invention provide a method for securing accounts and financial instruments. A user can use a device in communication with the system to enable or disable access to an accounts. The user can disable access to the account to prevent unauthorized account access, including viewing account information or transaction processing. If access to the account is disabled, the substantially all access to the account can be prevented even if the request to access is accompanied by correct account information or correct payment instructions. For example, if access to the account is disabled, the account can be substantially useless until the user enables access to the account.

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Номер записи: 19

22-03-2012 дата публикации

Internet billing method

Номер: US20120072308A1

Автор: Andrew Egendorf

Принадлежит: AT&T INTELLECTUAL PROPERTY I LP

A system that incorporates teachings of the present disclosure may include, for example, identifying a consumer account managed by a service provider to which purchases are chargeable, the identification of the account based on transactional information, enabling customer equipment to request a purchase of an electronically-purchasable item of a vendor via network equipment of the service provider, wherein the vendor is a party other than the service provider, charging the consumer account a fee for a purchase initiated by the customer equipment, and remitting a portion of the fee to an account of the vendor. Other embodiments are disclosed.

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Номер записи: 20

29-03-2012 дата публикации

User-centric traffic enquiry and alert system

Номер: US20120075118A1

Автор: Otman Adam Basir

Принадлежит: Intelligent Mechatronic Systems Inc

A method for notifying a user about traffic including the step of determining an origin of the user. A destination of the user is also determined. Traffic conditions between the origin and the destination are determined. The user is notified of the traffic conditions.

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Номер записи: 21

29-03-2012 дата публикации

Transaction identified handling system

Номер: US20120078752A1

Автор: Magnus Westling, Stefan Hultberg

Принадлежит: ACCUMULATE AB

The present invention relates to methods, a transaction router ( 28 ) and a transaction handling system comprising a transaction router ( 28 ) and at least one transaction server ( 12 ) where a transaction identifier is announced to the transaction router. This simplifies the locating of presumptive transaction parts, transaction server and service providers, in order to perform transactions and transaction related activities.

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Номер записи: 22

29-03-2012 дата публикации

Method and system for tracking screen activities

Номер: US20120079103A1

Автор: Jinsheng Wang, Joe Zheng

Принадлежит: Yawonba Holdings AU LLC

Techniques to facilitate a system to capture, process, and archive a series of user interactive events and subsequently retrieve the stored user interactive events are disclosed. The captured information is indexed and stored for future access either on a terminal device or an accessible remote server device.

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Номер записи: 23

05-04-2012 дата публикации

Processing An Online Transaction Involving A Payment Service Provider

Номер: US20120084178A1

Автор: Alissa Ryzhova, Angela Kubitzek, Christian Klumpp, Christoph Gerstle, Gero Schulz, Gokula Sundar Ponnusamy, Josef Ehbauer, Marcus Bouwhuis, Marina Laumenis, Martin Dauer, Ralf Rubel, Stefan Troeger, Yangning Peng

Принадлежит: SAP SE

A computer-implemented method for processing an online transaction involving a payment service provider includes receiving, in a backend system and from a frontend system, an initiate payment message generated by a user application for a transaction involving a payment service provider external to the frontend and backend systems. The method includes forwarding a set checkout instruction from the backend system to the payment service provider with first information about the transaction. The method includes redirecting the user application from the frontend system to the payment service provider. The method includes receiving a finalize payment instruction in the backend system from the frontend system after redirecting the user application from the frontend system. The method includes forwarding, in response to the finalize payment instruction, a perform checkout instruction from the backend system to the payment service provider with second information about the transaction.

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Номер записи: 24

19-04-2012 дата публикации

Many-to-one transaction fulfilment system

Номер: US20120095872A1

Автор: Errol Damelin, Jonty Hurwitz

Принадлежит: WONGA Tech Ltd

There is provided, in accordance with an embodiment of the present invention, an apparatus, system, and method to provide substantially in real time personalized and/or customized consumer credit from multiple money sources into substantially any shopping basket or facility on the Internet or on a mobile network. In one embodiment, a consumer credit provider may provide supplementary or complimentary credit to enable an online purchase, in combination with existing credit sources, in a substantially transparent way, such that the user feels that only one transaction is taking place.

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Номер записи: 25

19-04-2012 дата публикации

Financial management system, and methods and apparatus for use therein

Номер: US20120095887A1

Автор: Anthony John MULLEN, Richard Jeremy Heap

Принадлежит: One Account Ltd

The invention provides a financial management system wherein a real bank account is notionally sub-divided into virtual sub-accounts and transactions are effected between the virtual sub-accounts without affecting the operation of the real bank account, such a system allowing a customer to maintain an automatically updated model of the customer's finances within the single account, thus assisting visualization of his or her financial position, while retaining the benefit of the single account.

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Номер записи: 26

19-04-2012 дата публикации

Navigating an information hierarchy using a mobile communication device

Номер: US20120096358A1

Автор: Melvin L. Barnes, Jr.

Принадлежит: Wounder GmbH LLC

Systems and methods are provided for navigating an information hierarchy using a mobile communication device. The method comprises causing a plurality of selectable items to be presented on a display associated with the mobile communication device, in response to receiving, via an audio input device associated with the mobile communication device, a first voice command indicating that one of the plurality of selectable items is to be selected, causing one of the selectable items in the plurality of selectable items to be displayed differently from the other selectable items to thereby form an accentuated selectable item, and, in response to receiving, via the audio input device, a second voice command indicating that the accentuated selectable item is to be selected, causing information associated with the accentuated selectable item to be presented on the display.

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Номер записи: 27

26-04-2012 дата публикации

Transactional services

Номер: US20120101833A1

Автор: Mehul Desai, Satyan G. Pitroda

Принадлежит: C SAM Inc

Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.

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Номер записи: 28

26-04-2012 дата публикации

Transactional services

Номер: US20120101835A1

Автор: Mehul Desai, Satyan G. Pitroda

Принадлежит: C SAM Inc

Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.

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Номер записи: 29

26-04-2012 дата публикации

Prepayment system for supplying water or gas by means of a wireless intelligent card and meter for said system

Номер: US20120101910A1

Автор: Edurardo Agustín Neri-Badillo

Принадлежит: Sistemas Integrales de Medicion y Control Stellum SA de CV

A prepayment system for supplying water or gas by means of a wireless intelligent card is described. The present invention also relates to a bidirectional meter specially designed to electronically record the consumption of water or gas.

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Номер записи: 30

26-04-2012 дата публикации

Method and system for distributed check processing at a plurality of sites

Номер: US20120101946A1

Автор: David Scott Jones

Принадлежит: JPMorgan Chase Bank NA

According to one embodiment, the present invention relates to a method and a system for distributed check processing at a plurality of sites. A computer implemented method for check processing comprises the steps of receiving a mail item comprising a payment product at a mail facility; identifying a routing code associated with the mail item; routing the mail item to a payment processing system, based on the routing code; at the payment processing system, extracting the payment product from the mail item; electronically transmitting payment data associated with the payment product to an intended recipient for processing; and destroying the payment product at the payment processing system wherein the payment processing system and the mail facility are local.

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Номер записи: 31

03-05-2012 дата публикации

Transactional services

Номер: US20120109674A1

Автор: Mehul Desai, Satyan G. Pitroda

Принадлежит: C SAM Inc

Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.

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Номер записи: 32

10-05-2012 дата публикации

Transactional services

Номер: US20120116790A1

Автор: Mehul Desai, Satyan G. Pitroda

Принадлежит: C SAM Inc

Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.

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Номер записи: 33

10-05-2012 дата публикации

Internet strawman and user interface therefor

Номер: US20120116862A1

Автор: Gina C. Eubanks

Принадлежит: Sony Corp

A user account including a personal profile is stored by a server for subsequent use. The user is provided a list of displayable entries sortable using specified criteria in a manner that allows the user to review a selection of entries and to make a change to the selection prior to submitting a transaction for processing. Responsive to a request to log into the user account, the identity of the user is verified. Once verified, the transaction is facilitated between a vendor and the user pursuant to instructions from the user. The instructions are generated based on a shopping cart screen rendered by a client device of the user. The user is sent a confirmation message regarding the transaction while the user is logged in the server. The user can be provided an account screen allowing access to information relating to user transactions and information relating to an account balance.

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Номер записи: 34

17-05-2012 дата публикации

Virtual currency configuration apparatuses, methods and systems

Номер: US20120123924A1

Автор: Lex N. Bayer, Mark Rose, Rajiv Dutta

Принадлежит: Playspan Inc

The VIRTUAL CURRENCY CONFIGURATION APPARATUSES, METHODS AND SYSTEMS (“VCC”) transform requests for on-demand and flexible monetization and related services via VCC components into currency transfers, purchase receipt notifications, social networking communications and transaction analytics reports. In some embodiments, the VCC obtains a request to convert a sale price provided in a real currency into a sale price in a virtual currency. The VCC accesses a database to obtain at least one virtual currency management rule provided by a merchant. The VCC identifies one among the at least one obtained virtual currency management rule to apply for converting the sale price provided in the real currency into the sale price in the virtual currency, and calculates the sale price in the virtual currency from the sale price provided in the real currency using the identified virtual currency management rule. The VCC provides the calculated sale price in the virtual currency in response to the request.

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Номер записи: 35

31-05-2012 дата публикации

Method and system for generating a dynamic verification value

Номер: US20120136735A1

Автор: Ayman Hammad, Christian Aabye, Jagdeep Singh Sahota, Patrick Faith

Принадлежит: Individual

A method is disclosed. The method includes generating a verification value in response to a transaction involving a portable consumer device, where the verification value is generated using a first dynamic data element and a second dynamic data element. The verification value is sent to a service provider associated with the portable consumer device so that the service provider can verify the transaction.

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Номер записи: 36

31-05-2012 дата публикации

System and method for secure transfer of funds

Номер: US20120136788A1

Автор: Bagepalli C. Krishna

Принадлежит: Krishna Bagepalli C

Systems and methods for conducting financial transactions are provided. In one example, a system for conducting financial transactions includes a transaction proposal device. The transaction proposal device includes a unique device identifier, a geographic location detector, and a digital camera. In another example, the system for conducting financial transaction also includes a transaction controller configured to receive and potentially initiate proposed financial transactions generated by the transaction proposal device.

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Номер записи: 37

07-06-2012 дата публикации

System and method for electronic fund transfers for use with gaming systems

Номер: US20120142403A1

Автор: David M. Weiss, George J. Akmon, John B. Prather, Ronald L. Bishop, Stephen L. Warner, Will W. Graylin

Принадлежит: Automated Cash Systems Inc

An electronic fund transfer (EFT) system for managing and transferring electronic funds from a user's financial account to a credit system includes a credit system configured to dispense credit to a user via physical or electronic credit means, an electronic fund transfer (EFT) device, a secure payment gateway configured to connect to the user's financial accounts via a financial asynchronous transfer mode (ATM) network, a host system connected to the credit system via a local network, a funds management portal connected to the host system and the secure payment gateway, and means for transferring electronic funds from the user's financial account to the credit system via the secure payment gateway. The funds management portal accounts and reconciles the transferred electronic funds. All communications between the secure payment gateway and the host system pass through the funds management portal. The EFT device includes a secure client-side application for receiving instructions from the user for transferring electronic funds from the user's financial account to the credit system and means for transmitting the fund transfer instructions to the user's financial account. The EFT device is configured to connect to the secure payment gateway and to communicate with the user's financial account and to transmit the instructions for transferring electronic funds from the user's financial account to the credit system via the secure payment gateway.

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Номер записи: 38

07-06-2012 дата публикации

System and method for designating accounts from which to trade rewards

Номер: US20120143667A1

Автор: Richard Postrel

Принадлежит: Signature Systems LLC

A system and method for operating a reward points accumulation and redemption program wherein a user earns reward points from a plurality of reward points issuing entities, each of the reward points issuing entities tracking the user's earned reward points in a user reward point account stored on a rewards server. A trading server accumulates the user's earned reward points from each of the reward servers interconnected over a network in association with consideration provided by the reward servers to the trading server and credits the accumulated points into a reward exchange account associated with the user. The user may then select an item for purchase from a merchant computer interconnected to the network. The merchant computer provides the item to the user in exchange for consideration received from said trading server, and the trading server reduces the number of points in the user's reward exchange account in accordance with the consideration provided to the merchant computer.

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Номер записи: 39

14-06-2012 дата публикации

System and Method for the Interoperability of Different Payment or Transaction Authorization Platforms

Номер: US20120150671A1

Автор: Marcel Mercia, Paul Mercia

Принадлежит: 1356382 Alberta Ltd

A system, method and intermediary for effecting a payment account transaction at a point of sale on behalf of a registrant while avoiding disclosure of its payment account information at the point of sale. The system comprises a merchant device at the point of sale for generating a partial authorization request, an authorizing instrument for providing authentication information of an authorized representative and the intermediary, located remotely from the point of sale, for receiving the partial request and the authentication. The intermediary retrieves the registrant's payment account information using the authentication, combines it with the partial request to form an authorization request and forwards it along the transaction network for processing. The authentication information may arrive with a subset of transaction information. The authorizing instrument may be located at the point of sale. A requesting instrument may request the authorizing instrument to forward the authentication information.

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Номер записи: 40

14-06-2012 дата публикации

Financial Management System

Номер: US20120150678A1

Автор: Elizabeth Rose Dyor

Принадлежит: Elizabeth Rose Dyor

A financial management system includes a client terminal having a financial management application and a graphical user interface. The graphical user interface is configured to display transaction data, enable user modification of the transaction data, and transmit modified transaction data to the financial management application. The financial management system additionally includes a commercial web server capable of conducting online financial transactions. The financial management application receives transaction data regarding an online financial transaction upon completion of the financial transaction.

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Номер записи: 41

14-06-2012 дата публикации

Payment system

Номер: US20120150735A1

Автор: Shane Eric John Prince

Принадлежит: Individual

A payment system transfers funds from a purchaser to a supplier of goods and services. A single use transient credit code provided to the purchaser effects the transfer. The transient credit code is redeemable to a value limited to said transfer of funds thereby preventing subsequent fraudulent use of the code. The payment system apparatus transfers a payment from a purchaser to a supplier of goods and services. The apparatus incorporates a code issue device which keeps track of and generates a list of limited-value, single-use credit codes. The device issues the codes on request, receives notification of use of the codes and marks respective, ones as used. The transfer is done by single-use transient credit codes provided to the purchaser. The codes are redeemable to the value limited to a payment.

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Номер записи: 42

14-06-2012 дата публикации

Systems and methods for automated prefunding of commercial payments

Номер: US20120150738A1

Автор: Allen O. Cage, Kevin Woods, Steve A. Carlson

Принадлежит: AOC Solutions Inc

Methods and systems for prefunded accounts are disclosed, which feature controlled credit limits on cards at the time of prefunding validation, creation of files that are electronically passed to a funding source, and implementation of a single use account. Various types of funding mechanisms can be utilized, including, ACH, wire transfer, or traditional check-based systems. According to the invention, an invoice that names a buying organization can be received by an entity offering prefunded account solutions. This can result in payment instructions being generated and funds being transferred from the organization to a funding entity. Once approval of a payment is received, a funded account can be created by transferring funding information by the solutions provider on behalf of the funding entity to a payment facilitator. When the seller generates account charge instructions, funds can be transferred from the payment facilitator to the seller.

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Номер записи: 43

21-06-2012 дата публикации

Reception process system and method

Номер: US20120158588A1

Автор: Tomoyuki Kubo

Принадлежит: Glory Ltd

A system is provided for processing a deposit/withdrawal request from a customer. A bank terminal includes an identifying unit that extracts check information from the check image and extracts slip information from the slip image, an input unit that receives an input information, and a confirmation determining unit that determines, based on at least one of the check information, the slip information, and the input information from the input unit, whether or not a reconfirmation for at least one of the information is necessary. A communication unit transmits the check information, the slip information, and the determination result to a center terminal having a second display unit. The second display unit displays the check information and the slip information and displays information determined necessary to be reconfirmed in a way so as to be distinguished from information determined not necessary to be reconfirmed.

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Номер записи: 44

21-06-2012 дата публикации

Teller terminal and check cashing method

Номер: US20120158592A1

Автор: Tomoyuki Kubo

Принадлежит: Glory Ltd

A teller terminal is provided to handle check cashing. The teller terminal is comprised of a storage unit, a scanner, an identifying unit, a charge setting unit, and a display unit. The storage unit stores bank information and charges associated therewith. The scanner generates a check image based on a check received from a customer. The identifying unit extracts bank information and amount information from the check image. The charge setting unit determines, based on the extracted bank information, a charge related to check cashing by referring to the storage unit. The display unit displays a withdrawal amount calculated based on the extracted amount information and the determined charge.

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Номер записи: 45

28-06-2012 дата публикации

Enhanced system and method for managing financial market information

Номер: US20120166325A1

Автор: Bernard A. Weinstein

Принадлежит: CFPH LLC

A system and method are provided for managing financial market information. According to certain embodiments, the system includes a computer having a memory, processor, and display. The processor is capable of generating a graphical depiction of the financial market information on the display. The graphical depiction includes a multidimensional representation of a broad range of market information for at least two financial instruments. The graphical depiction resides in a single window on the display. The financial instruments may include multiple different classes of financial instruments, such as treasuries and futures. Different instruments may be selected and information, including basis information, relevant to the selected instruments may be displayed in a second window.

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Номер записи: 46

28-06-2012 дата публикации

Method and system to automate payment for a commerce transaction

Номер: US20120166340A1

Автор: Ha Nguyen, Jeffrey A. Herman, Renee Gentry

Принадлежит: eBay Inc

A method and system to automate payment for a network-based commerce transaction provide a buyer an option to enable an automatic payment service, wherein automatic payment service automatically provides payment to a seller upon a termination event of a network-based commerce transaction. Payment information of the buyer is provided to a network-based payment system upon the occurrence of the termination event.

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Номер записи: 47

26-07-2012 дата публикации

Merchant interaction and trial periods

Номер: US20120191552A1

Автор: Howard W. Lutnick

Принадлежит: CFPH LLC

Disclosure includes selecting a merchant from a plurality of merchants, enabling a trial mode for the merchant, during the trial mode, receiving an indication of a first order for the merchant, forwarding the indication of the first order to the merchant, allocating a first payment for the first order to the merchant, requesting an acceptance of a membership status from the merchant, and receiving an indication of the payment for the first order.

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Номер записи: 48

26-07-2012 дата публикации

System and method for transaction automation

Номер: US20120191572A1

Автор: Kiran Reddy, Matthew Mengerink

Принадлежит: eBay Inc

A system and method provides a user of a network-based commerce system drag and drop functionality that allows a user to purchase goods from a network-based transaction system through the use of links and images.

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Номер записи: 49

02-08-2012 дата публикации

Universal merchant platform for payment authentication

Номер: US20120197760A1

Автор: Chandra S. Balasubramanian, Francis M. Sherwin, Michael A. Keresman

Принадлежит: CardinalCommerce Corp

A method is provided for supporting processing of a transaction conducted between two parties. The method includes: receiving payment information over a communications network at a server operatively connected to the network, the payment information identifying a particular payment option used by the second party for the transaction, and the server being equipped to format and route messages over the network in different manners to accommodate the different authentication protocols; determining from the payment information received which of the different authentication protocols is prescribed for the type of payment option identified in the payment information; selecting a particular authentication protocol from the plurality of different authentication protocols supported by the server; and, obtaining an authentication determination for the transaction in accordance with the selected authentication protocol, including formatting messages and routing the formatted messages over the network in accordance with the mandates of the selected authentication protocol.

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Номер записи: 50

02-08-2012 дата публикации

Method of using personal device with internal biometric in conducting transactions over a network

Номер: US20120197808A1

Автор: Kiyohiko Niwa

Принадлежит: Sony Corp, Sony Electronics Inc

A method of authorizing a commercial transaction between a customer and a provider of goods or services over a network, wherein the provider of goods or services requests that the customer provide authentication by activating a fingerprint identification device, and the provider of goods or services receives at least an authentication code of the customer over the network from the fingerprint identification device, the method comprising the steps of: providing the customer with the fingerprint identification device which produces the authentication code when a fingerprint of the customer matches a stored fingerprint within the fingerprint identification device; receiving at least the authentication code from the provider of goods or services over the network; and authorizing the transaction if at least the authentication code is valid.

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Номер записи: 51

09-08-2012 дата публикации

Providing city services using mobile devices and a sensor network

Номер: US20120203600A1

Автор: Jean-Louis Fiorucci, Richard E. Rowe

Принадлежит: Stationnement Urbain Developpements Et Etudes (SUDE SAS) Ste

Apparatus and methods related providing city services, such as parking, are described. A mobile device can be configured to receive information from parking sensor nodes in the vicinity of the mobile device. In a parking application, the mobile device located in a moving vehicle can be configured to locate available parking based upon the information received from the parking sensor nodes. After an available parking space is obtained, the mobile device can be configured to initiate a purchase of parking and receive information related to parking enforcement. The mobile device can be configured to receive other types of information from local sensor nodes, such as transportation related sensor nodes and merchant provided sensor nodes. Based upon the information received from the local sensor nodes, a transportation application executing on the mobile device can be utilized to formulate a transportation solution involving one or more transportation modes.

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Номер записи: 52

09-08-2012 дата публикации

Systems and methods for facilitating secure transactions

Номер: US20120203665A1

Автор: Hitesh Seth, Robert E. Morgan

Принадлежит: American Express Travel Related Services Co Inc

A system for secure transactions receives an authorization request from a mobile device, the mobile device having received the authorization request by scanning a QR code and/or other encoded data. The system processes the authorization request using one or more transaction accounts that are paired to the mobile device, and transmits a response indicating approval or denial of the authorization request.

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Номер записи: 53

16-08-2012 дата публикации

Apparatus and method for managing mobile transaction coupon information in mobile terminal

Номер: US20120209851A1

Автор: Byung-Kwon Kong, Soon-Mi Cho

Принадлежит: SAMSUNG ELECTRONICS CO LTD

An apparatus and a method manage a received mobile transaction coupon in a mobile terminal. The apparatus includes a communication unit, an information analyzer, a schedule manager, an output unit, and a controller. The communication unit receives a mobile transaction coupon. The information analyzer obtains the received mobile transaction coupon information. The schedule manager registers the obtained mobile transaction coupon information in an alarm program. The output unit outputs the registered mobile transaction coupon information on a relevant date via the alarm program. The controller controls to register the mobile transaction coupon information in the alarm program, and controls to store the received mobile transaction coupon in a storage area corresponding to a reception type or a folder for a widget function.

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Номер записи: 54

23-08-2012 дата публикации

System for secured transactions over a wireless network

Номер: US20120215649A1

Автор: Dario de Judicibus, Leonardo Modeo, Nicola Pergola, Sandro Leopardi

Принадлежит: International Business Machines Corp

A system for implementing a method that books and pays a retailer having a POS connected to a transaction server storing confidential user information including a retailer identification, a user code, and a user wireless device phone number. The method includes: receiving at the transaction server, from the user wireless device which can be a cell phone, an SMS containing a retailer identification; reading at the transaction server the phone number of the wireless device communicated by the carrier transporting the SMS; authentifying the phone number and retailer identification with the stored confidential user information; sending the user confidential information to the retailer POS. The user enters on the POS the user code. The POS reads and authentifies the user code with the user confidential information received from the transaction server. The retailer enters the payment information on the POS and sends it with user information to the transaction server.

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Номер записи: 55

30-08-2012 дата публикации

Network apparatus and methods for user information delivery

Номер: US20120221412A1

Автор: Robert F. Gazdzinski

Принадлежит: Individual

A network apparatus useful for providing directions and other information to a user of a client device in wireless communication therewith. In one embodiment, the apparatus includes one or more wireless interfaces and a network interface for communication with a server. User speech inputs in the form of digitized representations are received by the apparatus and used by the server as the basis for retrieving information including graphical representations of location or entities that the user wishes to find.

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Номер записи: 56

13-09-2012 дата публикации

Method and apparatus for automatically reloading a stored value card

Номер: US20120233071A1

Автор: Daniel C. White, Evan D. Klopp, Margaret A. Nyland, Nathaniel W. Winkelman, III, Susan E. Flannery, Thomas R. FitzMacken

Принадлежит: Starbucks Corp

To facilitate the sale of merchandise using a stored value card (SVC), a method and system are provided to automatically reload an SVC in accordance with automatic reload preferences associated with the SVC account. The preferences include the pre-authorized reload amount, payment method, and the circumstances under which to automatically reload the SVC with the pre-authorized reload amount. The preferences are previously specified by a party associated with the SVC when setting up the automatic reload option. The party is notified when the automatic reload occurs.

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Номер записи: 57

20-09-2012 дата публикации

Method For Monetizing Online Content on the Internet

Номер: US20120239518A1

Автор: Roddy Mckee Bullock

Принадлежит: Individual

A computer-implemented system for monetizing internet content. In an embodiment, the system includes an internet content provider providing online content and an online section with the online content for containing an expression of at least one reader's posted thoughts or opinion. The online section is capable of having posted thereto the expression of the at least one reader's thoughts or opinion in a free default format or a fee-paid distinctive format. The system also has a processor for executing the computer executable instructions and a memory for storing at least the computer executable instructions.

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Номер записи: 58

20-09-2012 дата публикации

Virtual account based new digital cash protocols

Номер: US20120239580A1

Автор: Ahmed Ibrahim Al-Herz, Mohammad K. Ibrahim

Принадлежит: KING FAHD UNIVERSITY OF PETROLEUM AND MINERALS

Virtual account based digital cash protocols employ two pairs of private and public keys. Each public key is certified separately and the protocols do not use any blind signature schemes. As a result, the virtual account based digital cash protocols provide strong protection of the user privacy by using two certified public keys instead of a blind signature. One pair of certified keys consists of one master user private key and one master user public key. A second pair of certified keys consists of one pseudonym user private key and one pseudonym user public key. The use of a master key pair and a pseudonym key pair circumvents the need for blind signatures. As a result, the proposed protocols do not require blind signatures and do not add additional overhead and security requirements necessitated by conventional blind signature schemes. The protocols use public key protocols, digital signatures and symmetric key protocols, which may be readily implemented in standard information security based systems based on cryptographic constructs. In addition, the protocols may be deployed in mobile, off-line, and on-line settings.

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Номер записи: 59

20-09-2012 дата публикации

Creation of user digital certificate for portable consumer payment device

Номер: US20120239934A1

Автор: Terence V. Trench

Принадлежит: Individual

A method for creating a digital certificate for a user issued by a reliant party, where the reliant party relies on an established cryptographic infrastructure by a registration or certificate authority is described. The registration authority, typically a large financial or credit institution, has already performed the initial overhead steps necessary for a digital authentication system using a chip card. These steps include minting and distributing the chip card, establishing that the key pair and card are given to the right person, and creating the certificate library. The reliant party leverages this cryptographic infrastructure to issue its own digital certificate and certificate chain to a user already having a chip card from the registration authority. Consequently, a user can have additional digital certificates issued to him and stored at a user-specific memory in a remote certificate library without having the chip card modified.

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Номер записи: 60

04-10-2012 дата публикации

System for generating digital receipts

Номер: US20120253958A1

Автор: Birame Sock, John Crichton-McCutcheon

Принадлежит: THIRD SOLUTIONS Inc

A digital receipt generator is placed between a point of sale terminal and a printer. The digital receipt generator receives receipt printing requests from the point of sale terminal, identifies the customer making the purchase, and transmits the receipt data to a printer, to a central server or to both.

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Номер записи: 61

11-10-2012 дата публикации

Mass transit fare processing system

Номер: US20120255994A1

Автор: Martin Friedrich Ludwig Silbernagl

Принадлежит: Smart Systems Innovations LLC

An implementation of a system and method for using existing identification token infrastructures for mass transit fare product entitlement and payment is provided. The system and method make use of tokens—usually issued by a third party—for identification purposes and optionally for settlement purposes. The system does not store information on the tokens and instead maintains access control data (i.e., “white” and “black” lists). This implementation differs from known systems that require specially issued credit cards that have dedicated mass transit functionality.

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Номер записи: 62

11-10-2012 дата публикации

Electronic money transfer embedded in social media communities

Номер: US20120259772A1

Автор: K. Patrick Lee

Принадлежит: Individual

The systems and methods described include a method of electronically transferring funds from one person to another person. This system offers the option of using a social application for the process or of using solely the actual system called The Vault. The method of use includes at least one user to send the funds and at least one user to receive the funds. Each user establishes an account within a social application and or an account with the system called The Vault. The sender electronically sends a request for funds to be released to a receiving party, the funds are then verified and or cleared by the system called The Vault and then they are transferred to the receiving party.

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Номер записи: 63

11-10-2012 дата публикации

User configurable universal interface for managing utility services

Номер: US20120260194A1

Автор: Christopher Thomas Westhoff, James Lehr Kennedy

Принадлежит: Individual

Managing utility services comprises a user interface that is linked to user configurable utility accounts, said interface further comprising a linking application for entering utility account information for linked utility accounts; account management features accessible from the user interface further comprising a bill payment utility, an account information system, a utility directory database, a service control system, and an informational system; an interface screen providing a link for displaying account information, menu options for configuring utility usage, a settings menu for configuring the interface of the system, and a messaging system providing messages associated with utility services; and a module for managing emergency notifications and consumer messages that provides for reporting of utility interruption, dangers situations, and informational content for managing the effects of utility interruption.

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Номер записи: 64

18-10-2012 дата публикации

System and method for facilitating account-based transactions

Номер: US20120265639A1

Автор: Andrew S. Van Luchene, Daniel E. Tedesco, James A. Jorasch, Jay S. Walker

Принадлежит: Walker Digital LLC

Systems, methods and apparatus are presented for facilitating account-based transactions. In an embodiment, the method includes associating a first person with an account, associating a second person with the account, receiving a request from a third party to authorize a transaction between the second person and the third party, determining a first communication address of the first party, and contacting the first party. The process also includes determining that the first person desires to communicate with the second person, determining a second communication address of the second person, initiating a communication between the first person and the second person, and receiving a signal from the first person that authorizes the transaction or declines the transaction.

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Номер записи: 65

18-10-2012 дата публикации

Method and apparatus for managing transactions

Номер: US20120265687A1

Автор: Amir Sunderji, Param Singh, Sanjeev Dheer, Venkatachari Dilip

Принадлежит: CashEdge Inc

A system receives account access information from a user. The account is then accessed using the received access information. Data is harvested from a web page associated with the account or received from another financial data source. The user's ability to access the account is authenticated based on the obtained information.

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Номер записи: 66

25-10-2012 дата публикации

System and method for purchasing game and lottery tickets

Номер: US20120270629A1

Автор: Wayne P. Chau

Принадлежит: Individual

A system and method for buying tickets for games or lotteries in which a seller receives predicted game or lottery outcome data communicated from a buyer over a communication path. The seller generates a printed ticket based on the received outcome data and the seller transfers the printed ticket to a custodian that holds the printed ticket on behalf of the buyer. The custodian transmits data relating to the printed ticket to the buyer over the communication path and notifies the buyer if the printed ticket corresponds to an actual game or lottery outcome.

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Номер записи: 67

25-10-2012 дата публикации

Health Plan Management Method and Apparatus

Номер: US20120271776A1

Автор: Albert R. DiPiero, David G. Sanders

Принадлежит: Trizetto Group Inc

Techniques and apparatus for managing contributions to an accruable health spending account in an employer-sponsored plan offering a member an employer-funded defined contribution, at least one insurance premium option and the ability to specify an allocation of the defined contribution for payment of option premiums and in turn, a directed contribution amount designated to such accruable account are disclosed. The accruable account may be used to reimburse the member for qualified medical expenses, and the member may pay any premium shortfall using a tax-advantaged process such as a premium only payment plan. Also disclosed are techniques and apparatus directed to presenting member-specific out-of-pocket expenses for a selected procedure offered by at least one health-care provider.

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Номер записи: 68

08-11-2012 дата публикации

Barcode checkout at point of sale

Номер: US20120284130A1

Автор: Scott Lewis, Victor Estrada

Принадлежит: eBay Inc

A consumer at a merchant store can scan, with a user mobile device, a barcode generated by the merchant to make a payment. The information contained in the barcode include a merchant identifier, a total amount, and information about the items purchased. A payment provider processes the information received from the user device and notifies the merchant if the payment is approved. A digital receipt may be generated and stored for future use.

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Номер записи: 69

22-11-2012 дата публикации

Systems and Methods to Detect Fraudulent Payment Requests

Номер: US20120295580A1

Автор: Katherine Corner

Принадлежит: Boku Inc

Systems and methods are provided to facilitate fraud detection in payments made via mobile communications. In one aspect, a system includes a data storage facility configured to store payment transaction records associated with phone numbers; and an interchange that includes a common format processor and a plurality of converters configured to interface with a plurality of controllers of mobile communications in transmitting premium messages to the phone numbers to collect funds for making payments on behalf of users of the phone numbers. The system includes a fraud detection engine configured to use the payment transaction records to detect a potentially fraudulent activity in payments requested via a phone number and configured to communicate with a server of a telecommunication carrier of the phone number to further process the activity based on an indication of abnormality in the telecommunication usage pattern of a mobile phone at the phone number.

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Номер записи: 70

22-11-2012 дата публикации

Systems and methods for making payments from selected funding sources

Номер: US20120296821A1

Автор: German Scipioni

Принадлежит: eBay Inc

In an embodiment, a payment service provider includes a database storing a plurality of buyer-identity/buyer's-payment-source-account associations, each having a unique identifier assigned thereto, and a payment service provider transaction device configured to: 1) communicate with at least one of a transaction device of the buyer and/or a transaction device of a seller; 2) receive an authorization from the buyer to make a payment from a selected one of the buyer's payment source accounts to a designated one of the seller's payment depository accounts, the authorization including a specified payment amount and the unique identifier associated with the selected buyer's payment source account from which the buyer desires the payment to be made; and 3) effect a transfer of the specified payment amount from the selected buyer's payment source account to the designated seller's account.

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Номер записи: 71

22-11-2012 дата публикации

Method and system for distributing electronic tickets with visual display

Номер: US20120296826A1

Автор: Christopher Guess, Gregory Vayler, Matthew Grasser, Micah Bergdale, Nicholas Ihm, Samuel Krueckeberg

Принадлежит: Bytemark Inc

This invention discloses a novel system and method for distributing electronic ticketing such that the ticket is verified at the entrance to venues by means of an animation or other human perceptible verifying visual object that is selected by the venue for the specific event. This removes the need to use a barcode scanner on an LCD display of a cell phone or other device and speeds up the rate at which human ticket takers can verify ticket holders.

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Номер записи: 72

29-11-2012 дата публикации

Systems and Methods for Encrypting Mobile Device Communications

Номер: US20120300932A1

Автор: Brent Dewayne Adkisson, Brian Kean, Devin Michael Cambridge, Norman Theodore Davis, JR., Stephen M. Meyers

Принадлежит: First Data Corp

Embodiments of the invention can provide systems and methods for encrypting mobile device communications. According to one example embodiment of the invention, a method for encrypting mobile device communications is provided. The method can include generating, by a first application stored on a first memory of a mobile device, a message to be communicated to an intended recipient; providing, by the first application to an authentication application stored on a second memory of the mobile device, the message; encrypting, by the authentication application, the message; providing, by the authentication application to the first application, the encrypted message; and directing, by the first application, communication of the message to the intended recipient.

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Номер записи: 73

29-11-2012 дата публикации

Method for distributing and redeeming digital coupons

Номер: US20120303440A1

Автор: Steven G. Ow

Принадлежит: Individual

The present invention is a method of distributing, redeeming, and clearing digital coupons that includes transmitting digital coupon data directly to a wireless user communication device such as a user's cell phone and then detecting directly from the device whether any of the digital coupon data has been selected to be redeemed and receiving the selected digital coupon data directly from the wireless user communication device for redemption and clearing purposes.

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Номер записи: 74

29-11-2012 дата публикации

System and method for servicing customized mobile content

Номер: US20120303517A1

Автор: Soon Taek KANG

Принадлежит: LG CNS Co Ltd

Disclosed are a system and a method for servicing a customized mobile content that can allow a user to easily download and use various mobile contents regardless of a type of his/her own terminal by: verifying user information by using metadata and a template that are stored in advance from information published by a content publishing institution, generating a mobile content suitable for types of the content publishing institution and a user terminal and transmitting the generated mobile content to the user terminal, downloading the mobile content through a program for the mobile content installed in the user terminal, and displaying the downloaded mobile content to the user.

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Номер записи: 75

29-11-2012 дата публикации

Systems and Methods for Authenticating Mobile Devices

Номер: US20120303961A1

Автор: Brent Dewayne Adkisson, Brian Kean, Devin Michael Cambridge, Norman Theodore Davis, JR., Roger Lynn Musfeldt, Stephen M. Meyers

Принадлежит: First Data Corp

Embodiments of the invention provide systems and methods for authenticating mobile devices. A registration request and identifying information for a mobile device or a secure element associated with the mobile device may be received. Based upon the received identifying information and a base level key, a rotated key for the mobile device may be determined. The determined rotated key may then be provided to the mobile device, and the rotated key may be utilized for subsequent authentication of the mobile device.

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Номер записи: 76

06-12-2012 дата публикации

Transaction tracking, managing, assessment, and auditing data processing system and network

Номер: US20120310734A1

Автор: Stephen Dale Messer

Принадлежит: LinkShare Corp

An improved processing system for tracking commerce on the Internet provides for subvariable processing and includes web page scanning to discern fraud or improper content to insure proper promotion of select products within the network environment.

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Номер записи: 77

06-12-2012 дата публикации

Location based authentication system

Номер: US20120310836A1

Автор: Boaz Avigad, Tomer Eden

Принадлежит: mConfirm Ltd

A method for determining a fraud score associated with a monetary transaction facilitated using a payment card in a store is disclosed. The method comprises receiving data representative of an incoming payment transaction; analyzing a location of an owner of the payment card and a location of the store for determining a location rating; analyzing a location behavior profile (LBP) related to the payment card for determining a behavior rating, wherein the analysis is based in part on the incoming payment transaction; computing a transaction rating using the location rating and the behavior rating in combination with a first weight factor; analyzing historical payment transactions related to the payment card for determining a card rating; and computing the fraud-score using the transaction rating and the card rating in combination with a second weight factor.

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Номер записи: 78

06-12-2012 дата публикации

Payment mechanism integration wizard

Номер: US20120311433A1

Автор: Amish Patel, Nick Groleau, Saleem Qadir, Srinivasa Rao Pasupulati, William Charles Taylor

Принадлежит: eBay Inc

Provided is a method and a web-site integration system to integrate payment mechanisms into a commercial website that offers online merchants a flexible, user-friendly and customizable wizard to integrate payment mechanisms into their online commercial websites without having to understand the detailed intricacies of an API or other computer code. The wizard steps the merchant through creating an account to obtain credentials and educates the merchant on the page flows of the payment mechanism that the merchant wishes to integrate. Then, the wizard generates code snippets and files to be downloaded by the merchant and to be easily inserted into key pages of the merchant's online commercial website. The merchant can then test the completely integrated code in a developer's sandbox or go live with the completely integrated code.

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Номер записи: 79

20-12-2012 дата публикации

Method and system for determining authentication levels in transactions

Номер: US20120323717A1

Автор: Steven Todd Kirsch

Принадлежит: OneID Inc

According to an embodiment of the present invention, a method for determining a transaction authentication level includes receiving transaction information associated with a transaction between a user and a relying party, receiving relying party preferences, and determining a relying party authentication level based on the transaction information and the relying party preferences. The method also includes accessing user preferences, and determining a user authentication level based the transaction information and the user preferences. The method further includes determining the transaction authentication level using the user authentication level and the relying party authentication level.

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Номер записи: 80

20-12-2012 дата публикации

Online account authentication service

Номер: US20120323733A1

Автор: Benedicto Hernandez, James Donald Reno, Thomas Manessis

Принадлежит: Individual

A payment authentication service authenticates the identity of a payer during online transactions. The authentication service allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. Authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. A chip card and the authentication service independently generate cryptograms to match in order for the service to verify that the correct chip card is being used by the cardholder.

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Номер записи: 81

20-12-2012 дата публикации

Method of using paper checks that are tied to prepaid debit card and cashed only by designated entities

Номер: US20120323785A1

Автор: Joseph M. Purcell, Richard J. ELLIOT

Принадлежит: Individual

A method is provided of using paper checks to debit funds maintained in a debit card bank account that is associated with a person. A plurality of unique serial numbers are assigned by the debit card issuer to be pre-printed on paper checks that are associated with the debit card bank account number. The unique serial numbers have no relationship to any personally identifiable information associated with the person. When a filled in paper check is presented for cashing, the unique serial number is checked against the originally assigned serial numbers to verify that the paper check is genuine. Identification information of the person is also verified, and the account balance of the debit card bank account is also verified to make sure that there are sufficient funds in the bank account to cover the check amount.

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Номер записи: 82

27-12-2012 дата публикации

Apparatus, System and Method for Purchasing a Product

Номер: US20120330695A1

Автор: Richard Gallo

Принадлежит: Portable Fare Systems LLC

A system. The system includes a computing device which includes a processor and a ticket module communicably connected to the processor. The ticket module is configured to transmit information regarding a purchased product to a mobile computing device communicably connected to the system. The information includes at least one authentication feature which allows an electronic representation of the purchased product to be authenticated based solely on a visual inspection of the electronic representation. The information also includes control data for controlling the generation of the electronic representation of the purchased product.

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Номер записи: 83

27-12-2012 дата публикации

Payment selection and authorization

Номер: US20120330787A1

Автор: Brad L. Seeley, Robert Hanson

Принадлежит: Amazon Technologies Inc

When making a payment with an electronic payment type, a user may provide additional verification of ownership through communications with the user's mobile computing device. For example, the user may swipe her bank card at a retailer's store. The retailer may authorize the bank card through an issuing party (“host”). The host may transmit a request to the user via a mobile application running on the mobile computing device, which may request the user to approve or decline the purchase request. In various embodiments, the host's request may require the user to enter personal and/or authorization information (e.g., a PIN, password, biometrics, etc.) via the mobile application to approve the request. In some aspects, the host may allow the user to split or allocate a payment amount across one or more electronic payment types available to the user from the host via the mobile application during the authorization process.

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Номер записи: 84

27-12-2012 дата публикации

System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse

Номер: US20120330838A1

Автор: Ned Hoffman, Philip Dean Lapsley

Принадлежит: Individual

Herein is described a tokenless biometric method for processing electronic transmissions, using at least one user biometric sample, an electronic identicator and an electronic rule module clearinghouse. The steps for processing of the electronic transmissions comprise of a user registration step, wherein a user registers with an electronic identicator at least one registration biometric sample taken directly from the person of the user.

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Номер записи: 85

03-01-2013 дата публикации

Methods and systems for data interchange

Номер: US20130001297A1

Автор: Bruce D. Melick, David M. Snyder, Gregory P. Probst, Leslie D. Baych, Nicholas J. Peters, Paul R. Staman

Принадлежит: ROELESIS WIRELESS LLC

A method for data interchange includes summing up data associated with an electronic document to provide summed up data, representing the summed up data as one or more bar codes, and returning the one or more bar codes for display and data capture via a bar code scan from either a video display or a printed version of the one or more bar codes. The electronic document may be of any number of formats. The summing up may include taking data from multiple information fields to create the summed up data. The data may include data tags or a step of adding data tags to the data to assist in data interchange may be performed.

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Номер записи: 86

03-01-2013 дата публикации

Methods and systems for providing a secure electronic mailbox

Номер: US20130006731A1

Автор: Cathy M. Rogerson, Christine Ray, Jon L. Cook

Принадлежит: US Postal Service (USPS)

A secure electronic mailbox is provided to a customer having an electronic account. The electronic account links the secure electronic mailbox to a physical address of the customer. The customer can send and receive secure and non-secure messages via the secure electronic mailbox. The customer can also access electronic services such as electronic bill presentment and payment using the secure electronic mailbox.

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Номер записи: 87

03-01-2013 дата публикации

System and method to facilitate settlement of a transaction

Номер: US20130006785A1

Автор: Barry Donald McKeon, John Paul Minor, Kurt Thams, Richard Scott Perkins

Принадлежит: Individual

Disclosed herein are systems and method for facilitating transactions between a merchant-partner and an end-user (e.g., a customer of the merchant-partner). More specifically, presented herein are systems and methods for settling a transaction between a point-of-sale terminal and a merchant-partner, wherein the point-of-sale terminal receives presentment of a payment for the merchant-partner from an end-user.

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Номер записи: 88

03-01-2013 дата публикации

Online funds transfer method

Номер: US20130006811A1

Автор: John Joseph Mascavage, III, Margaret Morgan Weichert, Mark Thompson

Принадлежит: Western Union Co

A method is provided for transferring funds related to a checkout process for a transaction initiated between a user and a merchant. The method may include storing information on a plurality of asset accounts associated with the user and receiving selection of a first account from the plurality of asset accounts as possible choices. The method may also include receiving authorization via the interface from the user to pay the merchant from the first account. The method may further include providing a digital IOU to the merchant and receiving a redemption request of the digital IOU. The method may additionally include determining, automatically with a funds transfer server, a second account associated with the merchant, and initiating, automatically with the funds transfer server in response to the redemption request, an electronic transfer between the first account and the second account that is related to the checkout process for the transaction.

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Номер записи: 89

03-01-2013 дата публикации

Composition of services

Номер: US20130007242A1

Автор: Hamid Reza Motahari Nezhad, Ram Swaminathan, Sharad Singhal, Yin Wang

Принадлежит: Hewlett Packard Development Co LP

A method of generating a set of composite services is provided herein. The method includes receiving standardized service descriptions of a set of component services from service providers. The standardized description of a component service may be translated to an automaton-based description. A specified goal associated with the set of component services may be received. The set of composite services may be generated based on the automaton-based description and the specified goal. Each of the generated composite services may accomplish the specified goal.

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Номер записи: 90

03-01-2013 дата публикации

Non-transferable anonymous digital receipts

Номер: US20130007461A1

Автор: Elsie van Herrewegen, Jan Camenisch

Принадлежит: International Business Machines Corp

A system and method for verifying ownership of an electronic receipt in a communication system providing a public key infrastructure, the verification arising out of a series of messages being sent and received between a first party and a verifying party, the method comprising the steps of receiving a proof message from the first party, the proof message being derived from at least a first public key based on a secret owned by the first party and wherein the secret is associated with at least the secret of a further public key of the first party and an electronic receipt that has been issued by electronically signing a request message with a second public key, determining whether or not the proof message was derived from the second public key.

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Номер записи: 91

10-01-2013 дата публикации

Card benefit providing method and card benefit providing server

Номер: US20130008957A1

Автор: Sangjoon LEE

Принадлежит: BC CARD CO Ltd

Provided are a card benefit providing method and a card benefit providing server, which enable a card owner to use the card benefits of another party. If a card owner who wants to use the card benefits of another party requests the use of the card benefits of the other party, and the other party consents to the request, the card owner may then use the benefits of the other party's card in association with his/her card. The card benefit providing method includes the steps of receiving, by a card benefit providing server, a request for use of a benefit linked to a second card from a terminal of an owner of a first card, and performing, by the card benefit providing server, processing so that the benefit linked to the second card can be used in association with the first card when the owner of the second card has approved the benefit use request.

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Номер записи: 92

10-01-2013 дата публикации

Secure nfc payment transactions

Номер: US20130012125A1

Автор: Michelle Fisher, Rathin Guha

Принадлежит: Blaze Mobile Inc

A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server.

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Номер записи: 93

10-01-2013 дата публикации

Secure near field communication transactions with authentication

Номер: US20130012126A1

Автор: Michelle Fisher, Rathin Guha

Принадлежит: Blaze Mobile Inc

A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server.

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Номер записи: 94

10-01-2013 дата публикации

System and method for detecting and mitigating duplicate transaction fraud

Номер: US20130013491A1

Автор: Anthony J. Selway, Laura E. Weinflash, Matthew J. Cottrell, Robert W. Weyrauch

Принадлежит: Early Warning Services LLC

A method and system for reducing fraud by detecting duplicate financial transactions in a financial transaction processing system. In various embodiments, financial institutions can be alerted when a financial instrument such as a check is being tendered for deposit, wherein a previous deposit for that same instrument had previously been submitted at the same or a different financial institution. The system and method provide for detection of deposits of checks after remote deposit of the same check had been previously performed (for example by submitting a digital image of the check). Deposit of duplicate counterfeit paper checks issued to multiple parties can also be detected and mitigated.

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Номер записи: 95

10-01-2013 дата публикации

Peer-to-peer and group financial management systems and methods

Номер: US20130013494A1

Автор: Jeffrey William Perlman

Принадлежит: VISA INTERNATIONAL SERVICE ASSOCIATION

This relates to transferring funds from a payer to a payee in a electronic payment system. The electronic payment system includes a payment processor and an accounts database. The payment processor receives a payment request from the payer. The payment request includes information to identify the payee and a payment amount. An accounts database is accessed to determine if the accounts database includes an account associated with the payee. Based on a determination that the accounts database includes an account associated with the payee, an electronic message is sent from the payment processor to the payee, to notify the payee of the payment request. The accounts database is accessed to determine if the payee is identified as having a trusted relationship with the payer.

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Номер записи: 96

10-01-2013 дата публикации

Transaction information routing

Номер: US20130013495A1

Автор: Elbert L. Whitler, Herbert M. Fellman, Joseph A. Giordano

Принадлежит: Bank of America Corp

Apparatus and methods for routing transaction information. The apparatus and methods may involve using receiving the transaction information; retrieving from computer readable memory: (a) a transaction information routing rule; and (b) transaction service provider information; and formulating routing information based on the transaction information, the transaction service provider information and the routing rule. The apparatus and methods may identify prospective recipients, among participants in a transaction, for receipt of the transaction information.

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Номер записи: 97

10-01-2013 дата публикации

Secure mobile payment system

Номер: US20130013508A1

Автор: Mark Carlson

Принадлежит: Individual

The present invention provides a method for conducting a transaction that includes receiving a pseudo account identifier that corresponds to a primary account identifier. The pseudo account identifier may be received at a portable wireless device and may be generated by a remote server computer. The portable wireless device can receive the pseudo account identifier over a first network and provide the pseudo account identifier to an access device. The access devices generally comprises a reader that can receive the pseudo account identifier, and thereafter send a message to request authorization of a transaction. The authorization request message may include the pseudo account identifier and is sent to a payment processing network. The authorization request message is sent to the payment processing network over a second network. The payment processing network may then process the authorization message and return a response that indicates if the transaction is authorized or not.

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Номер записи: 98

17-01-2013 дата публикации

Hosted order page/silent order post plus fraud detection

Номер: US20130018757A1

Автор: Lisa Anderson, Sonny Truong

Принадлежит: VISA INTERNATIONAL SERVICE ASSOCIATION

Generally, embodiments of the invention are directed to methods, computer readable medium, servers and systems for enabling merchants to use hosted order pages (HOPs) and/or silent order posts (SOPS) and thereby avoid handling payment information and the costs associated Payment Card Industry (PCI) compliance, while at the same time utilize third-party fraud detection screens and thereby avoid costs associated with fraudulent transactions.

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Номер записи: 99

17-01-2013 дата публикации

Multi-Channel Data Driven, Real-Time Fraud Determination System For Electronic Payment Cards

Номер: US20130018795A1

Автор: Jayashree S. Kolhatkar, Kazuo Matsumoto, Sangita S. Fatnani, Yitao Yao

Принадлежит: Inkiru Inc

Exemplary embodiments for detecting electronic payment card fraud include receiving real-time payment card transaction data from ingress channels and an egress channels of at least one payment card system through a first application programming interface (API); generating transactional profiles for each of at least payment cards, the ingress channel, the egress channels, and funding sources of the payment cards; in response to receiving transaction data for a current payment card transaction, evaluating the transaction data using a predictive algorithm that compare the transaction data to the transactional profiles to calculate a probabilistic fraud score for the current transaction; evaluating the probabilistic fraud score and the current transaction data based on a set of rules to generate a recommendation to approve, decline or review the current transaction; and transmitting the recommendation back to the payment card system via a second API.

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Номер записи: 100

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