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Небесная энциклопедия

Космические корабли и станции, автоматические КА и методы их проектирования, бортовые комплексы управления, системы и средства жизнеобеспечения, особенности технологии производства ракетно-космических систем

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Мониторинг СМИ

Мониторинг СМИ и социальных сетей. Сканирование интернета, новостных сайтов, специализированных контентных площадок на базе мессенджеров. Гибкие настройки фильтров и первоначальных источников.

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Поддерживает ввод нескольких поисковых фраз (по одной на строку). При поиске обеспечивает поддержку морфологии русского и английского языка
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Применить Всего найдено 6912. Отображено 100.
09-02-2012 дата публикации

Intelligent estimates in authorization

Номер: US20120036073A1
Автор: Gourab Basu, Michael Mori, Ross Sakata, Shaun Bodington
Принадлежит: VISA INTERNATIONAL SERVICE ASSOCIATION

Techniques for providing an intelligent estimated amount for authorization include receiving a request to calculate an estimated amount for a transaction where the final amount is not known at the time of authorization. A payment processing network calculates the estimated amount based on several factors associated with the transaction and provides the estimated amount to an issuer for authorization.

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Номер записи: 1
22-03-2012 дата публикации

Code Quality Evaluating Apparatus

Номер: US20120067952A1
Автор: Hajime Matsuda
Принадлежит: Keyence Corp

Quality of a code provided in a test piece of a work is evaluated, using a sample processing function of a marker that gives the code to the work to present suggestion for setting of a processing condition to a user. Images picked up by a bar code reader are taken in to create a list of readable codes from these picked-up images, and images of these readable codes are displayed in a list. Tuning processing is performed to all the listed-up codes. In this tuning processing, the reading is tried while changing brightness, and a barometer of readability (easiness of decoding) in each of the reading trials is found to calculate a score indicating a level of reading stability based on a value of integral of this barometer, and this score is displayed as a numeric value and in a graph.

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Номер записи: 2
17-05-2012 дата публикации

Methods and systems for universal payment account translation

Номер: US20120123940A1
Автор: Patrick L. Killian, Sandeep Malhotra
Принадлежит: Mastercard International Inc

A method and system of transferring value from a payer participant of a first online community website to a payee participant of a second online community website through a payment account translation system is provided. The method includes initiating a first payment request, validating that the payer and payee are registered participants of the online community, translating the payer alias into a payer pseudo-account number using business rules and community participant profiles associated with the community website from which the payment request is made, and mapping the payer pseudo-account number to a respective funding/repository account primary account number (PAN). The method further includes transmitting the PANs and a validation code to a payments network for processing through the payments network and approving the transfer of value from the payer to the payee such that the PAN of the payer is unknown to the community website.

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Номер записи: 3
02-08-2012 дата публикации

Advance blocking and payment holding strategies

Номер: US20120197781A1
Автор: Brian J. Valetutti, Carmie Cheatham, James H. Grant, Julie C. Murphy, Patricia Hanson, Sharon R. Connelly, Thomas Anderson
Принадлежит: Bank of America Corp

Embodiments of the invention are directed to systems, methods and computer program products for identifying risk patterns for accounts based on a plurality of rules, and executing risk mitigation routines for those accounts for which risk patterns have been identified. If an advance block risk pattern is identified for an account, an advance block routine is executed for the account. If a payment hold risk pattern is identified for an account, a payment hold routine is executed for the account.

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Номер записи: 4
27-12-2012 дата публикации

Global identity protector E-commerce payment code certified processing system

Номер: US20120331557A1
Автор: Keith Anthony Washington
Принадлежит: Individual

An identity theft protection system and method which employs several security features to prevent identity theft on all levels. The protection system database employs a member's address and telephone number as a numeric identity protector, security code and lock for Social Security numbers. Preventing the issuing of identity theft credit cards, and e-commerce address billing payment code numbers, and e-commerce telephone number billing payment code numbers. The locking address also prevents account hijacking, preventing checks from being mailed to identity thieves. The system employs a computer generated photo copy of the member's ID or drivers license, to prevent fraud on all big ticket items, and preventing identity theft bank fraud on checking accounts and medical records providing photo match and verify, identity theft prevention verification. The system protects its members against stolen and counterfeit checks. The G.I.P. computer database will ID the owner of the checking account at the cash register. The ID can also prevent cyber identity theft, also known as account hijacking.

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Номер записи: 5
07-03-2013 дата публикации

Determining misalignment of a printhead in a printer

Номер: US20130057602A1
Автор: Ángel Martinez Barambio, M. Isabel BORRELL BAYONA, Sergio PUIGARDEU ARAMENDIA
Принадлежит: Hewlett Packard Development Co LP

A barcode on a medium is received. It is determined whether misalignment of a printhead of the printer is present based on bars in the barcode.

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Номер записи: 6
21-03-2013 дата публикации

SHOPPING AND/OR PERFORMING FINANCIAL TRANSACTIONS USING A SMARTPHONE

Номер: US20130073432A1
Автор: MULHOLLAND Albert
Принадлежит:

An authenticated user is enabled to purchase a product or information using a registered mobile device, and including in examples described using only a registered mobile device. A mobile device can be assigned a derived unique identifier associated with the user's phone number. Product identifying information can be received, for example from a product information server, and product information is displayed to the user. An indication may be received from the user that product/information is desired to be purchased, and payment is arranged to be transferred to a vendor associated with the product using credits or other payment methods, including for example pre-purchased credits. For example, payment can be arranged in part by dedicating the user with an authentication server using authentication information, for example a device identifier encoded in or with the mobile device. 1. A method for enabling an authenticated user to purchase a product or information using only a registered mobile device , the mobile device being assigned a derived unique identifier which has the user's phone number associated therewith , the method including:receiving identification information for a product;sending at least part of the identification information to a product information server;receiving product information about the product from the product information server;displaying the product information to the user;receiving an indication from the user that they wish to purchase the product; and 'authenticating the user with an authentication server by transmitting authentication information to the authentication server, the authentication information including a device identifier encoded in or with the mobile device.', 'arranging for payment to be transferred to a vendor associated with the product using pre-purchased credits or other payment methods, the arranging for payment including2. The method of claim 1 , wherein the authentication information includes a location claim 1 ...

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Номер записи: 7
28-03-2013 дата публикации

Household payment management and tracking system

Номер: US20130080326A1
Автор: Jeremy Joseph Jacola
Принадлежит: CHOREPAY Inc

An efficient digital tracking and payment system for members of a household, such as minors and guardians. The system allows for minors and guardians to enter into agreements for services (e.g., chores) and rewards through a single portal digital application that tracks services and notify parties of completion thereof. The system also provides a mechanism for funding of payment from one party to the other on mobile devices and computers over the internet. The system also allows guardians so predetermine the allocation of payments to multiple accounts for a minor. A marketplace is also provided which allows minors to purchase goods or services with funds earned by completing services.

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Номер записи: 8
04-04-2013 дата публикации

METHOD AND APPARATUS FOR CHECKING VALUE DOCUMENTS

Номер: US20130082105A1
Автор: Paul Elisabeth, Schützmann Jürgen
Принадлежит:

A method of checking value documents having a security element with a plurality of magnetic areas, including a high-coercivity magnetic area, a low-coercivity magnetic area and a combined magnetic area, which contains both the high-coercivity and the low-coercivity magnetic material. When all magnetic areas have been magnetized in a first direction, second magnetization is performed, which involves only the low-coercivity magnetic material being remagnetized parallel to the first magnetization in the opposite direction, but the high-coercivity magnetic material remaining oriented in the first direction of magnetization. Next, first magnetic signals from the security element are detected using a first magnetic detector, and second magnetic signals are detected using a second magnetic detector. The magnetic signals are used to identify each magnetic area of the security element as a high-coercivity, a low-coercivity or a combined magnetic area. 115.-. (canceled)16. A method for checking a value document having a security element with several magnetic regions , said magnetic regions having at least one high-coercive magnetic region which contains a high-coercive magnetic material with a first coercive field strength and at least one low-coercive magnetic region which contains a low-coercive magnetic material with a second coercive field strength which is lower than the first coercive field strength and at least one combined magnetic region which contains both the high-coercive and the low-coercive magnetic material , comprising the steps:first, magnetizing the security element by a first magnetic field whose magnetic field strength is greater than the first coercive field strength, so that the magnetization of the high-coercive magnetic material and the magnetization of the low-coercive magnetic material are aligned in a first magnetization direction,then, magnetizing the security element by a second magnetic field whose magnetic field strength is lower than the first ...

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Номер записи: 9
11-04-2013 дата публикации

METHOD AND DEVICES FOR THE PRODUCTION AND USE OF AN IDENTIFICATION DOCUMENT THAT CAN BE DISPLAYED ON A MOBILE DEVICE.

Номер: US20130087612A1
Автор: LOCHER Johann Kaspar
Принадлежит: Swiss Technical Electronics (STE) Holding Ag

A method for producing an identification document that can be displayed on a mobile communication device of an ID user and a server arrangement for carrying out the method, an identification document, in particular for the authentication of authorizations or qualifications of a person and the use of this identification document for processing transactions at a transaction terminal and a method for the management of the identification documents. 1. A method for producing an identification document that is adapted to be displayed on a mobile communication device of an ID user , the method comprising:receiving an ID production order from an ID provider, wherein at least one user identifier suitable for communication addressing on a standard basis and an ID image is given by the ID provider;generating machine readable code that is configured to be optically displayed, the machine readable code having a user identifier that is suitable for communication addressing according to a standard basis;providing the ID image via a download address; andtransmitting the download address to the mobile communication device.2. The method according to claim 1 , further comprising the step of generating a PIN code claim 1 , wherein the transmission of the download address takes place after the verification of the PIN code.3. The method according to claim 1 , wherein claim 1 , before the transmission of the download address claim 1 , a message is sent to the mobile device claim 1 , wherein the message contains information for the user and optionally the PIN code and a link to the download of an application that is adapted to run on the mobile device.4. The method according to claim 1 , wherein the communication with the mobile device claim 1 , and in particular with an application running on the mobile device claim 1 , is carried out via a communications server on which no ID image data are stored.5. The method according to claim 1 , wherein the ID issuing authority is notified of a user ...

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Номер записи: 10
11-04-2013 дата публикации

SERVER DEVICE FOR CONTROLLING A TRANSACTION, FIRST ENTITY AND SECOND ENTITY

Номер: US20130091059A1
Автор: GELDERMANN Martin, HIRASAWA Shinji, PALZER Martin, STALS Luc
Принадлежит: Mr. QR10 GMBH & CO. KG

Server device for performing a transaction in a system having a first entity, such as a POS, a second entity, such as a user having a mobile phone with a digital camera, and a remote server. The first entity generates a code having a transaction information and sends a first message to a server. The second entity, such as a buyer of a product or a user of a service captures the code and transmits a second message to the server having information on the transaction extracted from the code. The transaction is only authorized, when the server has determined that the first message and the second message match with each other. The transaction can be a payment transfer, a grant of an access to a service or a grant of an access to an internet portal. 1. A first entity for performing a transaction with a second entity under control of a server device , comprising:a transaction information generator for generating an information on the transaction;an identification code generator for generating and outputting an identification code, the identification code comprising the information on the transaction;a message transmitter for transmitting a message to the server, the message comprising the information on the transaction; anda confirmation receiver for receiving, from the server, an authorization indication.2. The first entity in accordance with claim 1 , in which the transaction information generator is operative to newly create a unique transaction identification in response to a triggering message for triggering a new transaction claim 1 , the triggering message being received from the second entity.3. The first entity in accordance with claim 1 , in which the transaction comprises an action to be performed by the first entity claim 1 , and in which the confirmation receiver is operative to allowing the transaction claim 1 , when the authorization indication is received and for not allowing the transaction claim 1 , when the authorization indication is not received.4. The ...

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Номер записи: 11
18-04-2013 дата публикации

SYSTEM FOR CONTROLLING USER ACCESS TO A SERVICE

Номер: US20130092734A1
Автор: EL MOKHTARI Najib, Hasson Robert, HURLEY Kerry, KITSON Charles, Walker Chris
Принадлежит: Accenture Global Services Limited

A system for controlling user access to a service includes a read device that reads a payment card of a user, and a first control block coupled an entry gate determines whether online payment authorization should be requested for the payment card. A first memory stores a hot list indicating payment cards for which the first control block denies user access to the service. If the online payment authorization is denied for the payment card, the first control block adds the payment card to the hot list. A further read device is configured to read the payment card, and a second control block coupled to the further read device controls a second gate after determining whether the payment card is on the hot list stored in a second memory coupled to the second control block, the hot list being updated with modifications via a network. 1. A system for controlling user access to a service comprising:a read device configured to read a payment card of a user;a first control block coupled to the read device and an entry gate, the first control block being configured to determine whether online payment authorization should be requested for said payment card, wherein if it is determined that online payment authorization should be requested, the first control block is further configured to make an online payment authorization request and to control the entry gate to allow said user access to the service prior to completing said online payment authorization for said payment card;a first memory coupled to said first control block and comprising a memory portion storing a hot list indicating payment cards for which the first control block denies user access to the service, wherein said first control block is configured to add said payment card to said hot list if the online payment authorization is denied for that payment card;a further read device configured to read said payment card;a second control block coupled to the further read device and configured to control a second gate; ...

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Номер записи: 12
25-04-2013 дата публикации

SYSTEM AND METHOD FOR PROCESSING CURRENCY BILLS AND TICKETS

Номер: US20130098992A1
Автор: Hallowell Curtis W., Jenrick Charles P., Klein Robert J., Mennie Douglas U.
Принадлежит: CUMMINS-ALLISON CORP.

A method of processing documents includes receiving a stack of documents including currency bills and substitute currency media. Each substitute currency medium has at least one barcode. The method further includes transporting the stack of documents via a transport mechanism, one document at a time, along a transport path and denominating with a currency detector each of the currency bills in the stack of documents. The currency detector is positioned adjacent to the transport path. The method further includes scanning with a barcode scanner a barcode on each substitute currency medium in the stack of documents. The barcode scanner is positioned adjacent to the transport path. The method further includes imaging with an image scanner each substitute currency medium in the stack of documents to generate a raw image file of the substitute currency medium. The image scanner is positioned adjacent to the transport path. 157-. (canceled)58. A method of processing substitute currency media , comprising:transporting a stack of substitute currency media via a transport mechanism, in a serial fashion, along a transport path, each substitute currency medium having a barcoded pattern printed thereon;scanning the barcoded pattern on each transported substitute currency medium with a barcode scanner to obtain a scanned barcode number for each substitute currency medium;imaging each transported substitute currency medium with an image scanner to generate image data that is reproducible as a visually readable image of each of the substitute currency media;using a controller, determining, from the image data associated with each of the substitute currency media, a determined barcode number for each substitute currency medium; andperforming an image quality check of the generated image data by determining for each substitute currency medium if the determined barcode number from the image data matches the scanned barcode number.59. The method of claim 58 , wherein generated image ...

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Номер записи: 13
25-04-2013 дата публикации

METHODS, SERVER, MERCHANT DEVICE, COMPUTER PROGRAMS AND COMPUTER PROGRAM PRODUCTS FOR SETTING UP COMMUNICATION

Номер: US20130103590A1
Автор: Arvidsson Petter, Johansson Mattias, Selander Göran
Принадлежит: TELEFONAKTIEBOLAGET L M ERICSSON (PUBL)

It is presented a security server arranged to set up communication between a merchant device and a customer payment application. The security server comprises: a receiver arranged to receive a first message comprising a customer identifier, an application identifier and a security token; a determiner arranged to determine whether the merchant device is authorised; a transmitter arranged to send a second message to the merchant device, the second message indicating that the merchant device is authorised to effect payment; and a channel establisher arranged to set up a secure channel between the merchant device and the customer payment application in a secure element being adapted to be comprised in a mobile communication terminal, wherein all communication between the merchant device and the customer payment application is controlled by the security server. Corresponding methods, merchant device, computer programs and computer program products are also presented. 1. A security server arranged to set up communication between a merchant device and a customer payment application , the security server comprising:a receiver arranged to receive a first message from a merchant device, the first message comprising a customer identifier, an application identifier indicating the customer payment application and a security token for the merchant device;a determiner arranged to determine, using the security token, whether the merchant device is authorised by a scheme provider of the customer payment application;a transmitter arranged to send, only when the merchant device is determined to be authorised by the scheme provider, a second message to the merchant device, the second message indicating that the merchant device is authorised to effect payment using the customer payment application; anda channel establisher arranged to, when the merchant device is determined to be authorised by the scheme provider, set up a secure channel between the merchant device and the customer ...

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Номер записи: 14
02-05-2013 дата публикации

IDENTITY VERIFICATION SYSTEMS AND METHODS

Номер: US20130105573A1
Автор: Anderson Todd, Love Robin, Sabaleuski Dzmitry
Принадлежит: EARLY WARNING SERVICES, LLC

Systems and methods are disclosed for verifying customer identifications. In one embodiment, the method comprises receiving, at a transaction gateway, a communication associated with a transaction initiated by a customer; determining the communication includes an identity verification request to verify encoded data obtained from an identification presented by the customer; routing the identity verification request to an identity verification service; receiving, from the identity verification service, a result including one or more identification values obtained from the encoded data; and transmitting the result to a requester associated with the communication. 1. A method comprising:receiving, at a transaction gateway, a communication that includes one or more requests, each of the requests associated with a transaction service;determining, at the transaction gateway, that the communication includes an identity verification request to verify identification data purportedly identifying an individual;routing the identity verification request to an identity verification service, wherein the identity verification service comprises a processing unit, memory, a communications interface and one or more software programs, wherein the identity verification service receives the identity verification request via the communications interface;receiving, at the transaction gateway, a result from the identity verification service, the result including one or more identification values obtained from the identification data; andtransmitting the result to a requester associated with the communication;further comprising parsing, at the identity verification service, the identification data to obtain the one or more identification values, wherein parsing occurs using the processing unit and the one or more software programs of the identity verification service;determining, at the identity verification service, whether a criteria is satisfied indicating the identification data may be ...

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Номер записи: 15
16-05-2013 дата публикации

METHOD AND SYSTEM FOR AUTHENTICATING A USER BY MEANS OF AN APPLICATION

Номер: US20130119128A1
Автор: Straumann Hugo
Принадлежит:

A user may be authenticated by an application. The user may be in possession of a user-specific card, which may store a user ID (UID), an operator ID (SID), and a plurality of application IDs (AIDn), and other related data. The card may provide data for implementing a plurality of security steps, performed individually or in combination, as chosen depending on a desired security level and/or the application. In a first security step, the application may read from the card the user ID (UID) from the card. In a second security step, the application may read out the operator ID (SID) and forward it to a server of an operator, which may then verify the operator ID (SID). In a third security step, the application may read out and verify its corresponding application ID (AIDn). The application may request additional information for the user from the server, using the user ID (UID). 1. A method , comprising: reading out from the card and authenticating by an application, a user ID (UID) that is stored in the card;', 'reading out from the card by the application an operator ID (SID) that is stored in the card, and forwarding the operator ID (SID) to a server of a particular operator;', 'verifying by the server the operator ID (SID); and', 'communicating by the server a result of the verification of the operator ID (SID) to the application., 'authenticating a user based on a user-specific card, wherein the user is in possession of the card, the authenticating comprising2. The method of claim 1 , comprising reading out data from the card by the application in a contactless manner.3. The method of claim 1 , wherein the card is an RFID element or a SIM card of a mobile telephone.4. The method of claim 1 , wherein the application is approved and/or executed after a positive authentication of the user.5. The method of claim 1 , wherein the user registers a plurality of cards on the server.6. The method of claim 1 , wherein the application reads out and verifies its corresponding ...

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Номер записи: 16
16-05-2013 дата публикации

Methods and Systems Involving Manufacturing Sheet Products

Номер: US20130120555A1
Автор: Bigari Richard J., Brzezinski Bryan A.
Принадлежит: GEORGIA-PACIFIC CONSUMER PRODUCTS LP

A method includes receiving a first image of a first line of perforations in a sheet product, processing the first image to determine whether the first line of perforations are within specifications, and outputting an indication to an operator indicative that the first line of perforations are not within specifications responsive to determining that the first line of perforations are not within specifications. 1. A method comprising:receiving a first image of a first line of perforations in a sheet product;processing the first image to determine whether the first line of perforations are within specifications; andoutputting an indication to an operator indicative that the first line of perforations are not within specifications responsive to determining that the first line of perforations are not within specifications.2. The method of claim 1 , wherein the processing the first image includes comparing the first image with a base image to determine whether the first line of perforations are within specifications.3. The method of claim 1 , wherein the method further comprises adjusting a perforating arrangement and advancing the sheet product such that a subsequently formed line of perforations in the sheet product is within specifications responsive to determining that the first line of perforations is not within specifications.4. The method of claim 1 , wherein the first line of perforations are formed by the perforating arrangement.5. The method of claim 1 , wherein the method further comprises forming the sheet product into a roll.6. The method of claim 5 , wherein the method further comprises:receiving an image of the roll;measuring a diameter of the roll;determining whether the diameter of the roll is within a diameter specification; andoutputting an indication that the diameter of the roll is not within the diameter specification responsive to determining that the diameter of the roll is not within the diameter specification.7. The method of claim 3 , wherein ...

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Номер записи: 17
16-05-2013 дата публикации

ECOMMERCE SYSTEM WITH PAYMENT DATA DIVISION

Номер: US20130124418A1
Автор: SPROLES Kevin, WALLIS Jason, WOOSLEY Jason
Принадлежит: VOLUSION, INC.

In at least one embodiment of an ecommerce system, payment data is divided into proper subsets and distributed among multiple data processing systems, and each of the data processing systems stores less than all of the subsets of the payment data after the subsets of payment data are distributed and until at least sending the payment data to a payment authorization system for processing. In at least one embodiment, distributing proper subsets of the payment data among multiple data processing systems enhances security of the payment data by limiting an amount of time and the locations in which a complete set of payment data is persisted. 1. A method comprising:dividing payment data into multiple, proper subsets of the payment data; anddistributing the subsets of the payment data and sender identification data among a plurality of data processing systems so that each data processing system receives less than all of the subsets of the payment data, and at least two of the data processing systems are in separate networks.2. The method of further comprising:receiving a unique payment data identification code from one of the data processing systems; anddistributing the unique payment data identification code to the other data processing systems to associate each of the respective subsets of the payment data with a sender.3. The method of further comprising encrypting the subsets of the payment data prior to distributing the subsets of the payment data.4. The method of wherein the payment data comprises multiple elements and the method further comprises subdividing the elements into sub-elements.5. The method of wherein the sender identification data comprises an access token.6. The method of wherein the payment data comprises multiple payment data elements including at least two of a credit card number claim 1 , a cardholder name claim 1 , a cardholder billing address claim 1 , a card security code claim 1 , card issue month claim 1 , card issue year claim 1 , card ...

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Номер записи: 18
23-05-2013 дата публикации

ELECTRONIC TICKET STORAGE APPARATUS AND ELECTRONIC TICKET CHECKING SYSTEM AND METHOD

Номер: US20130126609A1
Автор: LI Zheng, Yue Zuhui
Принадлежит: China Mobile Communications Corporation

Disclosed are an electronic ticket storage apparatus and an electronic ticket checking system and method. The electronic ticket checking method comprises: associating in advance basic electronic ticket information with preset additional information of the electronic tickets; during a first checking, modifying the additional information of the electronic tickets according to the basic information of the electronic tickets; and during a second checking, performing checking of the electronic tickets by checking the modified additional information of the electronic tickets. 1. A ticket checking method for an electronic ticket , comprising:pre-associating basic information of an electronic ticket with pre-set additional information of the electronic ticket;during initial ticket checking, modifying the additional information of the electronic ticket according to the basic information of the electronic ticket; andduring each subsequent ticket checking of the electronic ticket, performing ticket checking on the electronic ticket by inspecting the modified additional information of the electronic ticket.2. The ticket checking method according to claim 1 , wherein the modifying the additional information of the electronic ticket according to the basic information of the electronic ticket comprises:determining, by a ticket checking terminal at a first ticket checking location, the electronic ticket is a new ticket, and modifying correspondingly the additional information of the electronic ticket so that an identifier for indicating that the electronic ticket is a new ticket is stored in the additional information of the electronic ticket.3. The ticket checking method according to claim 2 , wherein the performing ticket checking on the electronic ticket by inspecting the modified additional information of the electronic ticket comprises:determining, by a ticket checking terminal at a second ticket checking location, the electronic ticket is an unused, new ticket according to ...

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Номер записи: 19
23-05-2013 дата публикации

REMOTE TRANSACTION PROCESSING WITH MULTIPLE PAYMENT METHODS USING AUTHENTICATION

Номер: US20130132181A1
Автор: Fisher Michelle
Принадлежит: BLAZE MOBILE, INC.

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization. 1. A method , comprising:maintaining payment account information by using a payment application in a mobile device memory included in a mobile device, wherein the payment application is a mobile operating system platform based mobile application preinstalled or downloaded and installed on the mobile device, the mobile device comprising a mobile device display, a mobile device processor, a mobile device radio interface, and a mobile device wireless fidelity (Wi-Fi) interface;receiving input at the payment application running on the mobile device, the input received from a user to purchase an item selected at the mobile device, wherein the payment application displays a digital artifact based on targeting parameters, the digital artifact displayed at a page identifier (ID), the page ID corresponding to a specific screen, scene, or real estate property;wirelessly transmitting authentication information to the management server, the management server configured to process a transaction using a payment method; andreceiving response information at the mobile device from the management server.2. The method of claim 1 , wherein user information comprises user profile information.3. The method of claim 1 , ...

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Номер записи: 20
30-05-2013 дата публикации

Systems and methods for prepaid merchant payment services

Номер: US20130138563A1
Автор: Clark S. Gilder, Ty Hardison
Принадлежит: Global Standard Financial Inc

A computer implemented method, a system, and software provides a new processing origination model allowing a new 6 th party in payment processing systems and networks, to inspect transactions before they are authorized, enabled or further processed by the payment or settlement network. This new processing delivery system and method may limit or reduce the service operators risk exposure to a defined limit, thereby improving the service providers' ability to manage a known and quantifiable risk level per merchant while limiting the system implementer's total amount of risk and improving both the speed of underwriting and merchant approval process.

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Номер записи: 21
30-05-2013 дата публикации

VERIFICATION OF A PORTABLE CONSUMER DEVICE IN AN OFFLINE ENVIRONMENT

Номер: US20130138565A1
Автор: Dixon Philip B., El-Awady Khalid, Hammad Ayman
Принадлежит:

A portable consumer device includes a base, and a computer readable medium on the base. The computer readable medium comprises code for an issuer verification value and a supplemental verification value. The issuer verification value is used by an issuer to verify that the portable consumer device is authentic in an on-line transaction and the supplemental verification value is used to verify that the portable consumer device is authentic in an off-line transaction. 116-. (canceled)17. A method of providing a portable consumer device , the method comprising:receiving a supplemental verification value associated with an offline processing system; andstoring the supplemental verification value and an issuer verification value in the portable consumer device, such that data from the portable consumer device concerning a transaction can be received at a reader, wherein the issuer verification value is associated with an issuer, and wherein the supplemental verification value can be verified using an offline processing system that is not in communication with the issuer such that the supplemental verification value can be processed at the reader and the transaction can be authorized if the processed supplemental verification value indicates that the portable consumer device is authenticated.18. The method of claim 17 , wherein the supplemental verification value is a transit verification value that is used to authenticate the portable consumer device to gain access to a transit system.19. The method of claim 17 , wherein the received supplemental verification value comprises data created in accordance with a cryptography system.20. The method of claim 19 , wherein the supplemental verification value and the issuer verification value are stored in a supplemental data field in a computer readable medium of the portable consumer device.21. The method of claim 20 , wherein the supplemental verification value is stored in track data of the portable consumer device in ...

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Номер записи: 22
30-05-2013 дата публикации

SYSTEMS AND METHODS FOR VERIFYING IDENTITIES IN TRANSACTIONS

Номер: US20130138567A1
Автор: Blair Paul, Cachey Joseph, Michelsen Michael J., Seifert Dean
Принадлежит: The Western Union Company

A computerized method of verifying the identity of an attendant operating a money transfer transaction device includes receiving at the money transfer transaction device a user identification and password from the attendant and receiving at the money transfer transaction device additional information from the attendant. The additional information relates to a security feature that limits access to the transaction device. The method also includes using the additional information, the user identification, and the password to evaluate whether to allow the attendant to operate the transaction device to process a transaction. 130-. (canceled)31. A method of obtaining identification information from an individual involved in a money transfer transaction , the method comprising:receiving, by a transaction processing device, transaction-related information relating to the identity of the individual, wherein the individual comprises a sender to a recipient of a financial transaction;displaying, on the transaction processing device, a prompt for entering identification information;receiving, by the transaction processing device, identification information, wherein the identification information verifies the information relating to the identity of the individual;storing, at a host computer, at least a portion of the transaction-related information and at least a portion of the identification information in a transaction record;using, at the host computer, the information relating to the identity of the individual to identify other transaction records relating to the same sender; andprocessing, at the host computer, the transaction.32. The method of claim 31 , further comprising claim 31 , comparing the information relating to the identity of the individual to information obtained from a credit reporting agency.33. The method of claim 31 , further comprising claim 31 , comparing the information relating to the identity of the individual with information obtained from an ...

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Номер записи: 23
06-06-2013 дата публикации

METHOD AND APPARATUS FOR CONDUCTING OFFLINE COMMERCE TRANSACTIONS

Номер: US20130140361A1
Автор: Ling Marvin T.
Принадлежит:

Methods and apparatus for conducting offline commerce transactions that use a barcode as an alternative means for personal identification. The user represented in the bar code format, User ID Barcode, is generated from a number that uniquely identifies the user. Numbers such as a cell phone number or a credit card number may be used to generate the User ID Barcode. These numbers are prefixed with a special character before they are converted to the barcode format. Prefixing a special character is necessary so that the bar code generated can be distinguished from any bar code representing products being sold. If a credit card number is used, the User ID Barcode is printed on the back of the credit card which then becomes a 2 and 1 credit card. 1. A method for conducting offline electronic commerce transactions comprising:(a) providing a personal code to a person for their use to purchase goods;(b) converting said personal code into barcode format to form a User ID Barcode;(c) said User ID Barcode corresponding to said personal code and including at least one special character to distinguish the barcode as a User ID Barcode; and(d) scanning said User ID Barcode to derive said personal code to obtain authorization for a purchase.2. The method of including downloading said User ID Barcode into a cell phone having a window;(a) displaying said User ID Barcode on the cell phone window; and(b) scanning said User ID Barcode displayed in said window to derive said personal code to obtain authorization for a purchase.3. The method of including printing said User ID Barcode on a label or sticker and securing said label or sticker to a carrying member to facilitate scanning the User ID Barcode.4. The method of including printing said User ID Barcode on a label or sticker and securing said label or sticker to a credit card.5. The method of including printing said User ID Barcode on a label or sticker and securing said label or sticker to a cell phone.6. The method of wherein said ...

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Номер записи: 24
13-06-2013 дата публикации

METHOD AND SYSTEM FOR SIGNATURE CAPTURE

Номер: US20130148024A1
Автор: Deibert Douglas Stephen, Shenker Gavin, Shin Scott H.
Принадлежит:

Advanced internet-connected devices, such as smart TVs, can be used for conducting online transactions. Online transactions often lack an effective mechanism to prevent repudiation of the transaction. Signature data, representative of a consumer's signature motion, may be captured by a signature capture device. The signature capture device can be the smart TV or a device associated with the smart TV (e.g., a remote controller). The signature device can also be a security token. The signature data may be processed, stored, and/or transmitted for later use. The representation of the consumer's signature provides a non-repudiation mechanism similar in function to that of a consumer's actual handwritten signature on a credit card or debit card receipt. 1. A method comprising:receiving, at a computing device, an input from a consumer to initiate a transaction;generating a request for approval of the transaction, the request including a payment transaction identifier and payment account information;receiving a response to the request for approval of the payment transaction, the response indicating whether the payment transaction was approved or denied;detecting a motion of the consumer by a sensor;processing the detected motion to generate a representation of the consumer's signature; andinserting an image of the consumer's signature into a predetermined data field associated with a record of the payment transaction.2. The method of claim 1 , wherein the computing device is a smart television.3. The method of claim 1 , wherein the detecting of the motion of the consumer comprises detecting the motion of the consumer's hand.4. The method of claim 1 , wherein the detecting of the motion of the consumer comprises detecting the motion of a remote control.5. The method of claim 1 , wherein the payment account information is received from a remote control comprising a payment device reader.6. The method of claim 1 , wherein the computing device comprises a payment device reader ...

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Номер записи: 25
13-06-2013 дата публикации

PAYMENT CARD BASED REMITTANCE SYSTEM WITH DELIVERY OF ANTI-MONEY LAUNDERING INFORMATION TO ORIGINATING FINANCIAL INSTITUTION

Номер: US20130151408A1
Автор: Fiebiger Sara E., Hill Dennis J., Killian Patrick, Lorberg Dana, Malhotra Sandeep
Принадлежит:

A payment system computer receives a request for a funds transfer from a sender to a recipient. The payment system computer routes a request to authorize funding of the funds transfer to a first financial institution. The payment system computer receives an authorization response that includes sender information that satisfies know your customer (KYC)/anti-money laundering (AML) requirements. A mobile telephone number of the recipient is translated into a recipient account number, wherein the recipient account number corresponds to a recipient account at a second financial institution different from the first financial institution. The payment system computer then transmits the sender information and the funds to the second financial institution to satisfy KYC/AML requirements and for crediting to the recipient account. 1. A method comprising:receiving in a payment system computer, a request for a funds transfer from a sender to a recipient, the request comprising information to identify a funding account in a first financial institution belonging to the sender, an amount of funds to transfer, and a mobile telephone number of a recipient;routing, by the payment system computer to the first financial institution, a request to authorize funding of the funds transfer;receiving, by the payment system computer, an authorization response from the first financial institution that includes sender information that satisfies know your customer (KYC)/anti-money laundering (AML) requirements;translating the mobile telephone number of the recipient into a recipient account number, wherein the recipient account number corresponds to a recipient account at a second financial institution different from the first financial institution; andtransmitting, by the payment system computer, the sender information and the funds to the second financial institution to satisfy KYC/AML requirements and for crediting to the recipient account.2. The method of claim 1 , further comprising: ...

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Номер записи: 26
13-06-2013 дата публикации

METHODS AND APPARATUSES FOR HANDLING A ROAD-USE-DEPENDENT VEHICLE COMMUNICATION

Номер: US20130151412A1
Автор: Gerhardt Torsten, Spahl Robert
Принадлежит: FORD GLOBAL TECHNOLOGIES, LLC

A system and method for handling a road-use-dependent communication, such as a financial transaction, the execution of an overtaking maneuver is sensed and on the basis of the overtaking maneuver which has been performed a financial transaction is executed by an overtaking road user for an overtaken road user. 1. A method comprising:sending a request from a first vehicle to a second vehicle to concede a right-of-way to the first vehicle;in response to the request, receiving from the second vehicle a request approval for conceding the right-of-way; andin response to the request approval, transferring a fee to an account associated with the second vehicle.2. The method of claim 1 , wherein sending a request comprises sending to the second vehicle a first vehicle identification code claim 1 , a first vehicle position claim 1 , and a first vehicle direction of travel.3. The method of claim 2 , wherein sending the request is initiated automatically when a send request condition is met.4. The method of wherein the send request condition comprises the first vehicle approaching the second vehicle within a threshold distance.5. The method of claim 4 , further comprising receiving at the first vehicle a request approval from the second vehicle for conceding the right-of-way claim 4 , the request approval comprising a second vehicle identification code claim 4 , a second vehicle position claim 4 , and a second vehicle direction of travel.6. The method of claim 5 , wherein sending the request further comprises sending conditions for transferring the fee claim 5 , the conditions comprising a fee amount and a payment date.7. The method of claim 6 , wherein transferring the fee comprises transferring the fee amount using the identification code of the first vehicle and the identification code of the second vehicle before the payment date.8. The method of claim 7 , wherein transferring the fee amount comprises transferring a predetermined fee amount claim 7 , the predetermined fee ...

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Номер записи: 27
13-06-2013 дата публикации

Systems and methods for ensuring the application of user-mandated rules to payment transactions

Номер: US20130151413A1
Автор: Robert Kern Sears
Принадлежит: RED GIANT Inc

Systems and methods for controlling and/or authorizing payment transaction are described which may facilitate verification that payment transactions initiated with a payment token of a user are in fact vetted by user-configured rules. According to some examples, a method for controlling payment transactions may include storing a firs and second sets of rules in a database, which rules are configurable by a user. The method may further include communicating and/or applying the first set of rules by a first entity, such as a merchant, a payment network, or other payment acceptance provider. A payment transaction may be routed to a particular network as a result of the application of the first set of rules. During a verification stage, a second set of rules may be applied at the issuer level to determine whether or not user-configured rules have been applied. The transaction may be accepted or decline based on the application of the second set of rules and/or notification may be sent to the user regarding the resolution or the verification stage.

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Номер записи: 28
20-06-2013 дата публикации

System and Method for Mobile Retail Transaction Processing

Номер: US20130159118A1
Автор: Bates Victor Alan, Ress Bradford D.
Принадлежит:

A system and method for processing retail transactions using a mobile device wherein a merchant has a mobile data processing device (such as a smart phone) into which he enters information about the transaction, then prepares a message to the processor of the transaction using a magnetic stripe reader coupled to his data processing device to provide a token which is authenticated by the processor of the transaction. The system may prepare a message regarding the transaction to a customer so that the customer may participate in the transaction, e.g., by entering an account number or PIN at his terminal, content which is used by the processor without being available to the merchant. 1. A method of processing a retail transaction using a mobile device , the steps of the method comprising:Coupling a magnetic stripe reader to a portable terminal, the terminal including software for capturing data related to the transaction;Using a magnetic stripe reader to read a magnetic stripe on a user's card to identify the user; andVerifying the user at the terminal using the read magnetic stripe before processing a transaction.2. The method including the steps of further including the step of using the magnetic stripe reader to capture account information from a customer.3. The method of further including the step of entering contact information for the customer of a transaction and sending the customer a report of the transaction using the contact information for the customer.4. The method of further including the step of receiving a return message relating to the transaction initiated by the customer.5. The method of wherein the return message initiated by the customer includes payment information.6. The method of wherein the method further includes the step of the customer entering his payment information and sending it to a payment processing system.7. A system for processing a retail transaction comprising:A smart phone for receiving a transaction input and communicating with ...

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Номер записи: 29
27-06-2013 дата публикации

Method and apparatus for generating printed documents with invisible printed conductive patterns as security features for detecting unauthorized copying and alterations

Номер: US20130161387A1
Автор: Chao King
Принадлежит: Konica Minolta Laboratory USA Inc

Methods of generating a secured printed document on paper or other medium by printing a security layer made of a transparent conductive material over the ink/toner layer that forms the visible content of the document. The security layer is printed using a transparent conductive material such as transparent conductive toner or ink and is invisible to human eyes. In one embodiment, the transparent conductive material contains a pattern that forms a radio frequency (RF) transponder circuit which has an RF antenna and a digital memory storing security data, which can be read out and used to authenticate the document. In another embodiment, the pattern forms a memory circuit without an RF antenna. In yet another embodiment, the transparent conductive material is patterned but does not form a functional circuit, and the electrical properties of the security layer such conductivity and/or capacitance are used to authenticate the document.

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Номер записи: 30
27-06-2013 дата публикации

PAYMENT APPARATUS AND METHOD USING PORTABLE TERMINAL IN BROADCASTING RECEIVER

Номер: US20130166452A1
Автор: Hwang Cheol-ju, Kang Seong-Woon, SONG Sung-yoon
Принадлежит: Samsung Electronics Co., Ltd

A method of operating a broadcasting receiver for payment. The method includes extracting an identifier code that is being displayed, receiving payment information matching to the identifier code from a portable terminal, and combining information extracted from the identifier code with the payment information and requesting payment approval to a payment service provider. 1. A method of operating a broadcasting receiver for payment , the method comprising:extracting an identifier code that is being displayed;receiving payment information matching the identifier code from a portable terminal;combining information extracted from the identifier code with the payment information; andsending a request for payment approval to a payment service provider.2. The method of claim 1 , further comprising receiving a payment signal from the portable terminal.4. The method of claim 3 , wherein the goods or service code comprises at least one of a character code claim 3 , an image code claim 3 , a quick response (QR) code claim 3 , and a bar code.5. The method of further comprising:transmitting the goods or service code to a server;receiving detailed information on goods or service from the server; anddisplaying the detailed information.6. The method of claim 1 , wherein receiving the payment information matching to the identifier code from the portable terminal comprises performing encrypted short-range communication between the broadcasting receiver and the portable terminal.7. The method of claim 7 , wherein the payment information comprises card information of a user who performs the encrypted short-range communication using the portable terminal.8. The method of claim 1 , wherein the information extracted from the identifier code is detailed information on goods or service matching to the identifier code.9. The method of claim 9 , wherein the detailed information on the goods or service comprises at least one of a price of the goods or service claim 9 , a quantity claim 9 , a ...

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Номер записи: 31
04-07-2013 дата публикации

DUAL USE POINT OF SALE TERMINAL AND METHODS OF OPERATING SAME

Номер: US20130173407A1
Автор: Campbell Andrew D., Killian Patrick, Lorberg Dana, Malhotra Sandeep, Wong Shoon Ping
Принадлежит:

A method of operating a merchant device includes the merchant device receiving an input from a customer mobile device concerning a financial transaction. The method further includes the merchant device selecting a payment transaction mode of operation when the input is a request for a payment card system transaction, or selecting a payment card purchase transaction mode of operation when the input from the customer mobile device is a payment card account number. In the payment transaction mode of operation the merchant device provides transaction data to the customer's mobile device, whereas in the payment card purchase transaction mode the merchant device transmits a payment card authorization request to an acquirer financial institution. 1. A method comprising:receiving, by a merchant device, an input from a customer mobile device concerning a financial transaction; providing, by the merchant device, transaction data to the customer mobile device for requesting a payment card system transaction;', 'receiving, by the merchant device, a confirmation from a merchant financial institution of the payment card system that a funds transfer has been accomplished; and', 'accepting, by the merchant device, the confirmation as payment by a customer to complete the financial transaction; and, 'selecting, by the merchant device, a payment transaction mode of operation when the input from the customer mobile device is a request for a payment card system payment transaction, and further comprising transmitting, by the merchant device, a payment card authorization request including the payment card account number to an acquirer financial institution;', 'receiving a payment card authorization response from the acquirer financial institution; and', 'completing, by the merchant device, the financial transaction., 'selecting, by the merchant device, a payment card purchase transaction mode of operation when the input from the customer mobile device is a payment card account number, ...

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Номер записи: 32
04-07-2013 дата публикации

COMPUTER-BASED METHOD AND SYSTEM FOR AIDING TRANSACTIONS

Номер: US20130173471A1
Автор: Frankel Yair, Kravitz David William, Montgomery Charles Thomas, Yung Marcel Mordechay
Принадлежит: Certco, Inc.

A method for providing a warranty relating to a transaction between two parties in a system which includes an infrastructure composed of a plurality of locations each associated with a respective institution which provides services to clients, each party being a client of at least one of the institutions, the method comprising: transmitting a request for a warranty from one party to the transaction which is a client of the respective institution to a respective location associated with the respective institution, which request includes information identifying the other party to the transaction and information about the nature of the transaction; conducting an exchange of information between the respective location and a location associated with a institution of which the other party is a client; and transmitting a response to the request from the respective location to the one party. 1. A method to facilitate provision of an assurance relating to a transaction involving a first party and second party , the method comprising:receiving to an institution, from the first party which is associated with the institution, electronic signals representing a request for an assurance regarding an attribute of the transaction and/or of the second party, which request includes information identifying the second party to the transaction and information about the nature of the transaction;receiving, to the institution from an other institution associated with the second party, electronic signals representing information indicating whether the other institution associated with the second party would support or not support the assurance; andtransmitting, from the institution to the first party, electronic signals representing a response to the request.2. The method of claim 1 , wherein the institutions comprise financial institutions.3. The method of claim 1 , comprising sending claim 1 , from the institution to the other institution claim 1 , electronic signals representing unique ...

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Номер записи: 33
11-07-2013 дата публикации

TWO-DIMENSIONAL CODE READER AND PROGRAM

Номер: US20130175340A1
Автор: Endo Hiroyuki, TAKAHASHI Masaki
Принадлежит: SHIFT CO. LTD.

A two-dimensional code reader and program generate edge images based on obtained images, extract candidate regions within these edge images, determine whether or not the extracted candidate regions are valid, determine whether or not characteristic patterns are included in each corresponding region in the original image, and then detects two-dimensional code regions within original images. The two-dimensional code reader and program repeatedly implement generation of edge images based on conversion conditions that correspond to the applicable order among a plurality of conversion condition types in a pre-set order, detection of candidate regions among the generated edge images, determination of whether or not the extracted candidate regions are valid, determination of whether or not characteristic patterns are included in the corresponding regions in the original images that correspond to valid candidate regions, and detection of two-dimensional code regions. 114-. (canceled)15. A two-dimensional code reader comprising:an image acquisition unit acquiring an image formed by shooting an image of a region including a plurality of two-dimensional code regions;a component conversion unit converting the image acquired by the image acquisition unit into an edge image indicating the distribution of edge components included in the image;a region extraction unit extracting a region formed in conformity with a predetermined region rule that defines an outer shape formed with an outline portion of each of the two-dimensional code regions and also defines a shape set as a shape similar to the outer shape, as a candidate region each containing the corresponding two-dimensional code region, from the edge image converted by the component conversion unit;a candidate-region determination unit determining whether the candidate region extracted by the region extraction unit is a valid candidate region on the basis of shape information that is information in which a particular error ...

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Номер записи: 34
18-07-2013 дата публикации

Method and System for Making Digital Payments

Номер: US20130185210A1
Автор: Boneh Daniel, Dodson Benjamin, Lam Monica S.
Принадлежит: The Board of Trustees of the Leland Stanford, Junior, University

Among other things, the present disclosure describes an authentication system that leverage a mobile phone to improve the security of web logins and web payments on a personal computer. The described embodiments do not require special hardware beyond a cell phone with a camera. Using embodiments of the present invention, memorization of passwords is avoided and the login process is faster and less error-prone than with existing systems. In a payment system according to an embodiment, users do not need to let retailers keep their passwords because credit card information need to be manually input. In addition, the present invention allows users to conveniently take advantage of one-time use credit cards for additional security. 1. A computerized method for authenticating security credentials , comprising the steps:receiving a request for authentication from a first computer;generating information for an optically recognizable code, wherein the optically recognizable code includes authentication information;transmitting the information for the optically recognizable code to the first computer configured to interpret the information for the optically recognizable code;receiving a message from a camera-equipped user device, wherein the message includes information responsive to the authentication information;confirming that the received message is responsive to the transmitted information; andproviding authentication to the first computer.2. The method of claim 1 , wherein the optically recognizable code is a QR code.3. The method of claim 1 , wherein the authentication information includes an encryption key.4. The method of claim 1 , wherein the authentication information includes a symmetric key.5. The method of claim 1 , wherein the authentication information includes a public key.6. The method of claim 1 , wherein the information responsive to the authentication information is a hash of a plurality of information including at least a portion of the authentication ...

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Номер записи: 35
18-07-2013 дата публикации

APPARATUS AND METHODS FOR PROVIDING A PAYMENT SYSTEM OVER A NETWORK

Номер: US20130185212A1
Автор: KACH Jeffrey F., POLK John D., SELWAY James K.
Принадлежит: ACS STATE & LOCAL SOLUTIONS, INC.

Apparatus and methods provide an accumulator that processes electronic payments from an employer to a recipient via a network. The payments processed may be, for example, child support payments collected from an employee by the employer. The employer may submit one transaction made up of payments collected from multiple employees bound for multiple recipients and the accumulator may receive, translate, batch, and deliver the payments to the multiple recipients. The accumulator, employers, and recipients may communicate via a network such as the Internet. 175-. (canceled)76. A system for processing a payment at an accumulator over a network , comprising:means for receiving employer information from an employer via the network;means for storing the employer information;means for receiving employee information corresponding to an employee from the employer via the network;means for storing the employee information;means for verifying the employee information using verification information received from an intermediary; and means for creating a payment corresponding to the employee information,', 'means for submitting the payment to a financial clearinghouse via the network, and', 'means for storing data related to the payment., 'when the employee information is verified,'}77. A method for processing a payment at an accumulator over a network , comprising:receiving employer information from an employer via the network;storing the employer information in an accumulator database;receiving an employee payment profile corresponding to an employee from the employer via the network;storing the employee payment profile in the accumulator database;verifying the employee payment profile using verification information received from an intermediary; and creating a payment corresponding to the employee payment profile,', 'processing a debit to a financial clearinghouse via the network, the debit to be applied against an account of the employer,', 'receiving a credit from the ...

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Номер записи: 36
25-07-2013 дата публикации

PERSONNEL ACTIVITY RECORDING TERMINAL, PERSONNEL MANAGEMENT SYSTEM AND METHOD FOR CONTROLLING SUCH A SYSTEM

Номер: US20130191175A1
Автор: McMillan Fiona, Miller Crichton, Ross Daniel
Принадлежит: Haul-It Nationwide Limited

A personnel management system includes a personnel activity recording terminal, a subscriber terminal for receiving subscriber assignments, a server for receiving data from the personnel activity recording terminal and the subscriber terminal, and a database for storing the data received at the server. The server is arranged to compare the data received from the personnel activity recording terminal and the subscriber assignments and to allocate assignments to personnel. 1. A personnel activity recording terminal comprising:a digital tachograph reader for reading data stored in a digital tachograph uniquely associated with a haulage driver;a display for displaying information to said haulage driver;a camera for viewing said haulage driver;a microphone and speaker for verbally communicating with said driver;a keypad;a controller which is operatively connected to each of the reader, display, keypad, camera, microphone, speaker and keypad and which is arranged to generate an authentication token based on the information stored in said digital tachograph; andan electronic communication module connected to the controller.2. A terminal as claimed in claim 1 , wherein the digital tachograph reader is arranged to read data from the digital tachograph relating to the activities of said driver.3. A terminal as claimed in claim 2 , wherein the data which is read from the digital tachograph comprises at least one of activity of the driver claim 2 , total mileage driven each day claim 2 , registration number of any vehicles driven by the driver claim 2 , the driver's driving license number claim 2 , identification number of a digital tachograph smartcard and a forename claim 2 , surname and date of birth of a holder of the smartcard.4. A terminal as claimed in claim 1 , further comprising a biometric information reader for identifying and authenticating the driver.5. A terminal as claimed in claim 4 , wherein the biometric information reader is arranged to read one or more of:a ...

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Номер записи: 37
25-07-2013 дата публикации

TRACK DATA MAPPING SYSTEM FOR PROCESSING OF PAYMENT TRANSACTION DATA

Номер: US20130191285A1
Автор: Hurry Simon, Rigby Mark
Принадлежит:

Systems and associated apparatuses and methods for processing payment transactions. A merchant's data processing system may provide payment transaction data in a first format (e.g., Track 1) to a payment processing network. The payment processing network may determine the issuer to which the data will be provided as part of a process for authorizing the payment transaction. It is determined if the issuer is one that is expecting or requires that the data be provided in a second format (e.g., Track 2). If the issuer is one that is expecting or requires that the transaction data be supplied in the second format, then it is determined if the issuer is enrolled in the appropriate data mapping service. If the issuer is enrolled in the data mapping service, then the inventive system performs the data mapping processes needed to provide the data in the second format to the issuer. The issuer may then use the received data to determine whether to authorize the payment transaction. 121-. (canceled)22. An apparatus for processing a payment transaction , comprising:an electronic processor programmed to execute a set of instructions;a data storage device coupled to the processor; andthe set of instructions contained in the data storage device, wherein when the instructions in the set of instructions are executed by the processor, the apparatus processes the payment transaction by:receiving an authorization request message for the payment transaction from a payment processing network, wherein the payment processing network previously determined an issuer for a payment account used for the payment transaction, determined that the issuer was enrolled in a transaction data mapping service, mapped data contained in the authorization request message from a first data format in which the data is provided in the authorization request message to a second data format, wherein the first data format is different than the second data format;determining if the payment transaction is ...

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Номер записи: 38
01-08-2013 дата публикации

TRANSACTION METHOD AND SYSTEM

Номер: US20130198020A1
Автор: Leach Sonny, Siim Mads
Принадлежит: MSPAY APS

The present invention relates to a method of authenticating identity of an individual and performing a related action, the individual having a portable electronic device including identification information and a portable electronic device communication device, the portable electronic device adapted to communicate with an authentication device comprising identification information relating to authorised individuals, the method comprising the steps of: the authentication device generating an identification request for identification of the individual, the portable electronic device requesting reception of the identification request from the authentication device, transmitting the identification request from the authentication device to the portable electronic device, generating an identification response and transmitting the identification response from the portable electronic device to the authentication device, the authentication device receiving the identification response and relating the identification information in the identification response to the identification information relating to authorised individuals, establishing if the user is an authorised individual, provided the user is an authorised individual performing a related action. 1. A method of performing a transaction using a system comprising a point-of-sales device , a buyer device and a transaction device , the point-of-sales device adapted to communicate with the transaction device via a communication network , the buyer device adapted to communicate with the transaction device via a communication network , the method comprising:establishing a first transaction request at the point-of-sales device, the first transaction request comprising first buyer-identification information identifying a buyer related to the transaction, the first transaction request further comprising identification of the seller related to the transaction, the first request further comprising an amount to be paid,transmitting ...

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Номер записи: 39
08-08-2013 дата публикации

WATCH IDENTIFICATION AND AUTHENTICATION SYSTEM AND METHOD

Номер: US20130200143A1
Автор: BERTHIER Yves, CALLEGARI Andrea, DECOUX Eric, MAURON Thierry, Reinhard Christine, SIRIGU Lorenzo
Принадлежит: SICPA HOLDING SA

A method and system for creating and storing an identifier for a timepiece having at least one gemstone. The method includes determining one or more characteristics of the at least one gemstone and detecting a relative position of the at least one gemstone in the timepiece. The method further includes creating the identifier for the timepiece in dependence upon at least one of the one or more characteristics of the at least one gemstone and the respective relative position of the at least one gemstone and storing the identifier in a database or device. 1. A method for creating and storing an identifier for a timepiece having at least one gemstone , the method comprising:determining one or more characteristics of the at least one gemstone;detecting a relative position of the at least one gemstone in the timepiece;creating the identifier for the timepiece in dependence upon at least one of the one or more characteristics of the at least one gemstone and the respective relative position of the at least one gemstone; andstoring the identifier in a database or device.2. A method for authentication and/or identification of a timepiece comprising:determining one or more characteristics of the at least one gemstone;detecting a relative position of the at least one gemstone in the timepiece;creating an obtained identifier for the timepiece in dependence upon at least one of the one or more characteristics of the at least one gemstone and the respective relative position of the at least one gemstone; andcomparing the obtained identifier with one or more stored identifiers to determine whether the timepiece is authentic or a counterfeit.3. The method of claim 1 , wherein the identifier is a unique identifier.4. The method of claim 1 , wherein the identifier comprises an identifying code.5. The method of claim 1 , wherein the one or more characteristics comprise luminescent properties.6. The method of claim 1 , wherein the determining one or more characteristics comprises ...

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Номер записи: 40
08-08-2013 дата публикации

METHODS AND DEVICES FOR MARKING AND AUTHENTICATING A PRODUCT BY A CONSUMER

Номер: US20130200144A1
Автор: FOUCOU Alain, Massicot Jean Pierre, SAGAN Zbigniew
Принадлежит: ADVANCED TRACK & TRACE

he method for marking a product includes: 116-. (canceled)17. Method for marking a product , that comprises:a step of forming, on or in said product, a mark robust to copying, with a first resolution,a step of forming, on or in said product, a mark sensitive to copying, with a second resolution higher than the first resolution,a step of capturing an image of said robust mark, said sensitive mark and another part of the product anda step of memorizing an item of information representing the image of said robust mark, said sensitive mark and said other image part.18. Method according to claim 17 , wherein claim 17 , during at least one forming step the position of the mark formed during this forming step is random in relation to the other image part.19. Method according to claim 17 , wherein said robust mark is a two-dimensional bar code.20. Method according to claim 17 , wherein said mark sensitive to copying is a digital authentication code claim 17 , said method comprising a step of determining an item of information representing print errors for said mark sensitive to copying and claim 17 , during the memorization step claim 17 , said item of information representing print errors is memorized.21. Method according to claim 17 , wherein claim 17 , during each of the steps of forming marks claim 17 , the position of said mark in relation to an element of the product is variable and claim 17 , during the step of capturing an image claim 17 , an image of said element is captured.22. Method according to claim 17 , wherein claim 17 , during the steps of forming marks claim 17 , the marks formed are offset differently for two different products.23. Device for marking a product claim 17 , that comprises:a means of forming, on or in said product, a mark robust to copying, with a first resolution,a means of forming, on or in said product, a mark sensitive to copying, with a second resolution higher than the first resolution,an image sensor designed to capture an image of ...

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Номер записи: 41
08-08-2013 дата публикации

CREDIT CARD SYSTEM AND METHOD

Номер: US20130204781A1
Автор: "ODonnell Graham", FLITCROFT Daniel I.
Принадлежит: Orbis Patents Ltd.

A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to “card remote” transactions such as by phone or Internet. Additionally, when a single use or limited use credit card is used for “card present” transactions, so called “skimming” fraud is eliminated. Various other features enhance the credit card system, which will allow secure trade without the use of elaborate encryption techniques. Methods for limiting, distributing and using a limited use card number, controlling the validity of a limited use credit card number, conducting a limited use credit card number transaction and providing remote access devices for accessing a limited use credit card number are also provided. 1. A method for processing a transaction initiated by a customer presenting a personalized gift card number to a merchant , the method comprising the steps of:associating, in a database, a plurality of merchant identifiers and a predetermined amount with the personalized gift card number;receiving, in a central processing system, the personalized gift card number, a transaction amount, and a merchant identification number electronically routed from the merchant;determining electronically whether the personalized gift card number has been deactivated because the predetermined amount has been satisfied;electronically determining whether the merchant identification number corresponds to one of the plurality of merchant identifiers associated with the personalized gift card number;electronically determining whether authorization can be obtained against the personalized gift card number based on the merchant identification number determining step, the received transaction amount, and the predetermined amount; ...

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Номер записи: 42
08-08-2013 дата публикации

Verification of Online Transactions

Номер: US20130204786A1
Автор: Chad Starkey, Daniel Mattes
Принадлежит: Jumio Inc

Systems, methods and devices described herein enable improved identity verification during online financial transactions. In particular, the features of various implementations are used to enable identity verification of account holders of credit cards, debit cards, and other payment instruments during online transactions. For example, in some implementations systems, methods and devices are operable to compare one or more encoded and/or encrypted images of facial features obtained upon activation of the payment instrument or security measures with one or more encoded and/or encrypted images of facial features obtained during a subsequent online transaction to verify that the individual offering the payment instrument as a form of payment is the true and authorized user of the payment instrument. Additionally and/or alternatively, a voice print record and/or location information may be combined with the use of the encoded and/or encrypted images to provide additional security.

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Номер записи: 43
08-08-2013 дата публикации

AUTHENTICATION & AUTHORIZATION OF TRANSACTIONS USING AN EXTERNAL ALIAS

Номер: US20130204787A1
Автор: Dubois Pieter
Принадлежит:

Described herein is a transaction system () in which a transaction is authenticated using an external alias. When procuring an item from a supplier (), a customer () needs to provide payment in some form or the other. Profiles relating to both the customer () and the supplier () are stored in an environment managed by a broker () and payment is effected by transfer of within that environment from a customer wallet to a supplier wallet. The customer () is represented as an alias as far as the supplier () is concerned, whereby the alias is provided by an external identity provider () such as a social network with which the customer () is associated. The anonymity of the customer () is maintained with respect to the supplier (). 1. A method for authenticating & authorizing transactions using an external alias , over electronic networks comprising: the type of external alias to use;', 'any other required transactional information, but not requiring any specific information identifying the first entity to the second entity;, 'initiating a transaction, by a first entity sending a transaction request to a second entity comprising the type of alias the first entity requested;', 'information identifying the second entity to said third entity;', 'any other required transaction details;, 'receiving said transaction request by a second entity and generating a new transaction request, sent to a third entity, comprising an environment to create a trust relationship with, and store identity information of the first and second entity;', 'an ability to create a trust relationship with one or more fourth entities and retrieve one or more aliases of the first entity from said fourth entity and associate them with the identity of the first entity as known by the third entity;', 'an environment for obtaining, storing and transferring electronic representations of at least one medium of exchange for transactional purposes from the first to the second entity or from the second from the ...

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Номер записи: 44
15-08-2013 дата публикации

Fraud detection system automatic rule manipulator

Номер: US20130212006A1
Автор: Cory H. Siddens, Shawna Matz
Принадлежит: VISA INTERNATIONAL SERVICE ASSOCIATION

Embodiments of the invention are directed to a fraud detection system that automatically converts the currency and value of received transaction data to correspond to the currency in fraud detection rules established by a merchant. The converted transaction data is then analyzed against the fraud detection rules to determine whether the transaction data indicates fraudulent activity.

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Номер записи: 45
22-08-2013 дата публикации

AGE VERIFICATION SYSTEM AND METHOD FOR EFFICIENT HANDLING OF AGE VERIFICATION REQUESTS

Номер: US20130218773A1
Автор: Benschop Dirk Leonard, Sciarone Sander Ewout
Принадлежит: HOLLANDSE EXPLOITATIE MAATSCHAPPIJ B.V.

The disclosure relates to an age verification system and method for settling age verification requests. An age verification request is made unavailable for a processing display unit and other display units when the processing unit processing the age verification request does not settle the age verification request and issues an instruction for a customer at the supplier system. The instruction from the display unit to the supplier system is configured to generate a message for the customer at the customer terminal relating to the consumer image or the document image. The age verification request is made available again for settling at the display units when an instruction from the supplier system is received. 1. An age verification system for settling a request for age verification from a supplier system , the supplier system containing a customer terminal configured for registering a customer image and a document image for the age verification and the age verification system comprising a central computer system and plurality of display units , the plurality of display units being connected to the central computer system , wherein the central computer system is configured for:receiving and storing an age verification request from the supplier system;making the received age verification request from the supplier system available for the display units for settling at a display unit;processing the age verification request at a display unit of the plurality of display units;making the request for age verification from the supplier system unavailable for the other display units when the request is being processed at the processing display unit;making the request for age verification unavailable for the processing display unit and the other display units when the processing display unit processing the age verification request does not settle the age verification request and issuing an instruction for the supplier system, wherein the instruction is configured for ...

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Номер записи: 46
22-08-2013 дата публикации

AGE VERIFICATION SYSTEM AND METHOD FOR EFFICIENT HANDLING OF AGE VERIFICATION REQUESTS

Номер: US20130218774A1
Автор: Benschop Dirk Leonard, Sciarone Sander Ewout
Принадлежит: HOLLANDSE EXPLOITATIE MAATSCHAPPIJ B.V.

The disclosure relates to an age verification system and method for settling age verification requests. An age verification request is made unavailable for a processing display unit and other display units during a time interval when the processing unit processing the age verification request does not settle the age verification request and issues an instruction for a customer at the supplier system. The instruction from the display unit to the supplier system is configured to generate a message for the customer at the customer terminal relating to the consumer image or the document image. The age verification request is made available again for settling at the display units when the time interval during which the age verification request was unavailable has expired. 1. An age verification system for settling a request for age verification from a supplier system , the supplier system containing a customer terminal configured for registering a customer image and a document image for the age verification and the age verification system comprising a central computer system and plurality of display units , the plurality of display units being connected to the central computer system , wherein the central computer system is configured for:receiving and storing an age verification request from the supplier system;making the received age verification request from the supplier system available for the display units for settling at a display unit;processing the age verification request at a display unit of the plurality of display units;making the request for age verification from the supplier system unavailable for the other display units when the request is being processed at the processing display unit;making the request for age verification unavailable for the processing display unit and the other display units during a time interval when the processing display unit processing the age verification request does not settle the age verification request and issuing an ...

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Номер записи: 47
22-08-2013 дата публикации

METHOD AND SECURE DEVICE FOR PERFORMING A TRANSACTION

Номер: US20130218775A1
Автор: Condemine Olivier, DABOSVILLE Guillaume, Dottax Emmanuelle, Laazimani Omar, Santos Elder Dos, Sierra Yannick
Принадлежит: OBERTHUR TECHNOLOGIES

A method for determining the presence of a human being, comprising: 11. A system () for determining the presence of a human being , comprising:{'b': 4', '44', '6', '18', '38', '56', '74', '99', '4, 'a first device () comprising a sensor () for measuring (S, S, S, S, S, S) a movement (MOV) of said first device (),'}means for determining the presence of a human being on the basis of the measured movement (MOV).2221. A system according to claim 2 , comprising a second device () having a user interface () for outputting a stimuli claim 2 , wherein the stimuli comprises instructions for performing a predetermined movement claim 2 , wherein the means for determining the presence of a human being are configured for determining the presence of a human being on the basis of the measured movement and of the predetermined movement.3333214. A system according to claim 2 , comprising a server () comprising means for transmitting (S) the stimuli from the server () to said user interface () claim 2 , wherein the first device () comprises:{'b': '7', 'means for determining (S) a signature (S) on the basis of the measured movement,'}{'b': 8', '4', '3, 'means for transmitting (S) said signature (S) from the first device () to a secure device or to the server ().'}431333344. A system according to claim 2 , comprising a server () comprising means for transmitting (S claim 2 , S) first data (CHAL claim 2 , A) from the server () to said first device () claim 2 , wherein the first device () comprises:{'b': 14', '34, 'means for determining (S, S) said stimuli (IMG) on the basis of said first data (CHAL, A),'}{'b': 19', '39, 'means determining (S, S) whether the measured movement and the predetermined movement match,'}{'b': 20', '40, 'means for determining (S, S), if the measured movement and the predetermined movement match, a signature (S) on the basis of the first data (CHAL, A),'}{'b': 21', '41', '4', '3, 'means for transmitting (S, S) said signature (S) from the first device () to a ...

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Номер записи: 48
05-09-2013 дата публикации

Unique Identification Information From Marked Features

Номер: US20130228619A1
Автор: Soborski Michael L.
Принадлежит: SYS-TECH SOLUTIONS, INC.

Utilizing natural variations in marked features on an item as a way of establishing an identifier specific to that item, storing the identifier separately from the item, and subsequently accessing the identifier to validate the identity of the item. 1. A method of verifying an identity of an item , comprising:examining an item for artifacts specific to the item;extracting information associated with the artifacts;ranking the information according to a characteristic of the artifacts; andstoring data representing the ranked information in a non-transitory computer readable storage device separate from the original item.2. The method of claim 1 , wherein the extracting comprises extracting information representing a plurality of categories of artifact claim 1 , and wherein the ranking comprises ranking the information separately for each category of artifact.3. The method of claim 1 , wherein at least some of the artifacts were not controllably producible in producing the item.4. The method of claim 1 , wherein:the item comprises a mark that comprises an identifier and at least one artifact, wherein the identifier is associated with the item and the at least one artifact does not alter the association; andthe storing comprises storing the information so as to be at least partially locatable using the identifier.5. The method of claim 1 , further comprising calculating an autocorrelation series of the ranked information; andwherein the stored data comprises data representing the autocorrelation series.6. The method of claim 5 , further comprising approximating the autocorrelation series to a polynomial claim 5 , and wherein the data representing the autocorrelation series comprises coefficients of the polynomial to a selected order.7. A method of verifying an identity of an item claim 5 , comprising:examining an unverified item for unverified artifacts specific to the unverified item;extracting information associated with the unverified artifacts;retrieving stored data ...

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Номер записи: 49
05-09-2013 дата публикации

No Preset Spending Limit Analysis System and Method

Номер: US20130232044A9
Автор: Amy Alterman, Bruce Twedt, Laurence Poirier, Nikki Waters, Stan Myers
Принадлежит: VISA INTERNATIONAL SERVICE ASSOCIATION

Embodiments of the invention relates to a methodology consisting of using active account management to segment a portfolio with internal behavior score bands and a number of key performance metrics. In one potential embodiment, a server computer receives a set of data for NPSL accounts and identifies a risk for each account in the plurality of accounts. Accounts may then be grouped, and adjustments made in an ongoing basis to groups of accounts within the portfolio based on updated risk and use status.

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Номер записи: 50
05-09-2013 дата публикации

Method and Apparatus to Validate a Subscriber Line

Номер: US20130232078A1
Автор: Lynam Joe M.
Принадлежит:

A method is described of providing validation data associated with a subscriber line of a telecommunication network. The method includes obtaining line data of the subscriber line wherein the line data is suitable for interrogating a line identification database (LIDB). The method interrogates the LIDB with the line data to obtain reference subscriber data associated with the line data, and processes the reference subscriber data to obtain validation data associated with the subscriber line. The invention extends to a subscriber line validation system to validate a subscriber line of a communication network. 1. A computer-implemented method , the method comprising:receiving a first request via a network for a first transaction for goods or services between a user and a vendor, wherein the first request includes a telephone number of the user;using one or more processors, facilitating charging the first transaction to a subscriber account linked to the telephone number;receiving a second request via the network for a second transaction for goods or services between the user and a vendor, wherein the second request is received after the first request;automatically, using one or more processors, detecting that the account linked to the telephone number has insufficient funds; andin response to detecting that the account linked to the telephone number has insufficient funds, facilitating charging the second transaction using an alternative payment mechanism.2. The method of claim 1 , wherein the alternative payment mechanism is a credit card.3. The method of claim 1 , wherein the alternative payment mechanism is a debit card.4. The method of claim 1 , wherein the account linked to the telephone number is a telephone account.5. The method of claim 1 , wherein the facilitating occurs automatically without human intervention.6. The method of claim 1 , wherein the telephone number is associated with a wireless device.7. The method of claim 1 , wherein the telephone number ...

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Номер записи: 51
05-09-2013 дата публикации

Token based transaction authentication

Номер: US20130232079A1
Автор: Benedicto Dominguez, James Dimmick, Mike Lindelsee, Olivier Brand
Принадлежит: Individual

A token based transaction authentication system is disclosed. Issuer, merchants, and a payment processing network generate unique tokens or keys to authenticate messages between themselves and to authenticate a sending entity or consumer as they are redirected between entities. The tokens are also used to identify the particular authentication thread a message or sending entity is associated with. The sending entity authentication occurs over a web-based channel or a mobile based channel.

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Номер записи: 52
12-09-2013 дата публикации

PERFORMING AUTOMATICALLY AUTHORIZED PROGRAMMATIC TRANSACTIONS

Номер: US20130238504A1
Автор: Bezos Jeffrey P., Gupta Vikas, Jassy Andrew R., Krause Duane J., Schappell David A., Vermeulen Allan H., Wei Eugene
Принадлежит: Amazon Technologies, Inc.

Techniques are described for facilitating interactions between computing systems, such as by performing transactions between parties that are automatically authorized via a third-party transaction authorization system. In some situations, the transactions are programmatic transactions involving the use of fee-based Web services by executing application programs, with the transaction authorization system authorizing and/or providing payments in accordance with private authorization instructions previously specified by the parties. The authorization instructions may include predefined instruction rule sets that regulate conditions under which a potential transaction can be authorized, with the instruction rule sets each referenced by an associated reference token. After one or more of the parties to a potential transaction supply reference tokens for the parties, the transaction authorization system can determine whether to authorize the transaction based on whether the instruction rule sets associated with the reference tokens are compatible or otherwise satisfied. 1147-. (canceled)148. A non-transitory computer-readable medium having stored contents that configure a computing system associated with a transaction authorization system to perform a method , the method comprising:receiving, by the configured computing system, a set of rules from a first user of the transaction authorization system that specify one or more conditions for use in authorization of a potential transaction involving the first user and an associated payment;generating, by the configured computing system, a reference associated with the set of rules, the reference being for a single use with the potential transaction;providing the generated reference for use with the potential transaction;after the providing, receiving information about the potential transaction proceeding, the received information including the provided reference;retrieving information about the set of rules based on the ...

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Номер записи: 53
12-09-2013 дата публикации

AUTHENTICATION METHOD AND SYSTEM

Номер: US20130238506A1
Автор: SALONEN Jukka
Принадлежит: BOOKIT OY AJANVARAUSPALVELU

A method and system capable of authenticating transactions involving at least one service provider and one or more users who are each in electronic communication. This electronic communication can be, for example, SMS, MMS, e-mail or online account messaging. Certain embodiments provide for the transaction to be an authentication and/or verification of an entity. Examples of such entities are products, actions and users. 1. (canceled)2. (canceled)3. (canceled)4. (canceled)5. (canceled)6. (canceled)7. (canceled)8. (canceled)9. (canceled)10. (canceled)11. (canceled)12. (canceled)13. (canceled)14. (canceled)15. (canceled)16. (canceled)17. (canceled)18. (canceled)19. A mediator authorizing a transaction involving a user having a mobile device , the mediator comprising:a processor that receives a request from an entity to authorize a transaction involving the user, accesses the mobile device's address, causes a communication to be sent to the mobile device address from a first reply address, and determines if a communication response to the first reply address authorizes the transaction,wherein the processor sends a further communication to the entity indicating if the transaction is authorized.20. The mediator of claim 19 , wherein the mediator is coupled to a telecommunications network and wherein the request for transaction authorization is received from the entity and the communication response is received from the user's mobile device via the telecommunications network.21. The mediator of claim 19 , wherein the communication is an SMS message.22. The mediator of claim 19 , wherein the communication response is a SMS message.23. The mediator of claim 19 , wherein the communication response is an email message.24. The mediator of claim 19 , wherein the communication response is a text message.25. The mediator of claim 19 , wherein determination if the communication response to the first reply address authorizes the transaction includes analysis of the semantics of the ...

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Номер записи: 54
19-09-2013 дата публикации

METHOD AND APPARATUS FOR PROVIDING SERVICES USING VOICE RECOGNITION IN POS SYSTEM

Номер: US20130246066A1
Автор: Choi Jae Seob
Принадлежит: POSBANK CO., LTD.

A method of providing services using voice recognition in a POS system includes loading an execution command set for each service subject provided by the POS system for each group; registering item-based voice pattern information on the execution command for each group; detecting operation mode of the POS system and activating a microphone by driving voice recognition mode in response to the detected operation mode; converting the received signal of the activated microphone into digital data, detecting properties of a sound wave from the digital data, and extracting sound wave analysis data from the detecting properties; checking whether the sound wave analysis data has been registered and assigning a service use right to the received signal according to a result of the check; and performing voice recognition conversion on the received signal, searching for an execution command having a maximum likelihood for the resulting data, and performing services corresponding to the retrieved execution command. 1. A method of providing services using voice recognition in a Point Of Sales (POS) system , the method comprising the steps of:loading an execution command, set for each service subject that is provided by the POS system, for each group;registering information on a voice pattern corresponding to the execution command for each item for each of the loaded groups with a voice recognition engine registration unit;detecting operation mode of the POS system and activating a microphone by driving voice recognition mode in response to the detected operation mode;converting a signal, received through the activated microphone, into digital data, detecting properties of a sound wave from the converted digital data, and extracting sound wave analysis data for authenticating the received signal from the detecting properties;checking whether the extracted sound wave analysis data has been previously registered or not and assigning a service use right to the received signal ...

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Номер записи: 55
19-09-2013 дата публикации

SYSTEMS AND METHODS TO GENERATE A RECEIPT FOR A TRANSACTION

Номер: US20130246273A1
Автор: Carlson Mark, Hagey Ryan, Kim Nancy L., Koganti Krishna Prasad, Kumnick Phillip Lyle, Ovick Joseph Bjorn, Powell Glenn, Reid Margaret, Stan Patrick, Wright Patrick
Принадлежит: VISA INTERNATIONAL SERVICE ASSOCIATION

A system includes a transaction terminal that is configured to examine an authorization response for an indicator, which, when set, causes the transaction terminal to communicate with a portal to obtain content relevant to the receipt for the transaction approved by the authorization response. The content may identify the benefit of an offer applied to the transaction, which is not reflected in the authorization response. The content may direct the user to select an option regarding the delivery of the receipt. Options presented for selection include suppression of the printing of the paper receipt in favor of an electronic receipt transmitted to a communication reference of the user, printing a mini paper receipt in addition to transmitting an electronic receipt, and/or printing the full paper receipt at the transaction terminal. 1. A computer-implemented method , comprising:receiving, in a computing apparatus, an authorization response for a transaction in a payment account in a payment network interconnected by a transaction handler;determining, by the computing apparatus, whether the authorization response includes a receipt service indicator; andin response to a determination that the authorization response includes the receipt service indicator, communicating by the computing apparatus with a portal coupled with the transaction handler to provide a receipt for the transaction.2. The method of claim 1 , wherein the authorization response is received via an acquirer processor; and the communicating with the portal is performed without communicating with the acquirer processor.3. The method of claim 2 , wherein the communicating includes receiving receipt content from the portal claim 2 , the receipt content identifying an amount of a benefit of an offer applied to the transaction but not reflected in the authorization response.4. The method of claim 3 , further comprising:inserting the receipt content at a predetermined location of a receipt generated without ...

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Номер записи: 56
26-09-2013 дата публикации

System and Method Including Chip-Based Device Processing For Transaction

Номер: US20130254112A1
Автор: Hammad Ayman
Принадлежит:

Present embodiments are directed to a server computer. The server computer establishes a first channel of communication to receive payment device data in a first format (e.g., chip type) and establishes a second channel to receive the payment device data in a second format (e.g., legacy type). The server computer receives an authorization request message in the second format from a merchant and generates a new authorization request message in the first format. The server computer then forwards the new authorization request to the issuer for approval. 120.-. (canceled)21. A method comprising:receiving, at a server computer, a first authorization request from a merchant through a communications channel, wherein the first authorization request message includes an identifier of a financial account associated with an issuer, and wherein the first authorization request message is in a first format;creating, by the server computer, a second authorization request message corresponding to the first authorization request message, wherein the second authorization request message is in a second format that is more secure than the first format, and wherein creating the second authorization request message comprises adding a data element to the first authorization request message; andforwarding, by the server computer, the second authorization request message to the issuer for approval.22. The method of claim 21 , wherein the communications channel is a second communications channel claim 21 , and wherein the method further comprises receiving claim 21 , at the server computer claim 21 , account information through a first communications channel between the server computer and a client computer.23. The method of claim 22 , wherein the data element is determined based upon the received account information.24. The method of claim 22 , wherein a verification token associated with the client computer previously interacted with a portable device claim 22 , and wherein the method ...

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Номер записи: 57
03-10-2013 дата публикации

Mail Processing System with Loaded Tray Validation

Номер: US20130256401A1
Автор: Michael D. Carpenter, Morgan H. Dunn, Stanley W. Sipe
Принадлежит: Siemens Industry Inc

Mail processing system, methods, and computer-readable media. A method includes detecting and reading a tray label of a tray being placed on or in the mail processing machine to determine a tray identifier. The tray is a mail item container containing a plurality of mail items to be processed by the mail processing machine in a current mail processing function. The method includes validating the tray identifier for the current mail processing function. The method includes, when the tray identifier is valid for the current mail processing function, activating a valid-tray indicator, and otherwise when the tray identifier is invalid for the current mail processing function, activating an invalid-tray indicator.

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Номер записи: 58
03-10-2013 дата публикации

System and Method for Facilitating Secure Self Payment Transactions of Retail Goods

Номер: US20130256403A1
Автор: MacKinnon Keith Wendy
Принадлежит:

Disclosed herein are various embodiments for systems and methods for self-payment and verification of the purchase of retail goods and services. According to an embodiment of the invention, a method for verifying the purchase using a mobile electronic device in wireless communication with a payment verification system and a code generating system is provided, the method comprising the steps of: receiving from a consumer information identifying an item for purchase; receiving from a consumer information identifying payment means for purchasing the item for purchase; processing the information identifying the item for purchase and information identifying payment means and generating a unique QR code indicating a purchase of the item; sending the unique QR code to a mobile device for display by a consumer to the vendor of the item for purchase. 1. A computer-implemented method for verifying the purchase of goods and services between a consumer and a retailer , said consumer having a mobile device capable of communicating with a server , and said retailer having an electronic device capable of communicating with the server and with the mobile device , the method comprising the following steps:receiving a first set of data from the mobile device, said first set of data identifying one or more goods or services to be purchased;receiving a second set of data from the mobile device, said second set of data identifying payment means for the purchase of said one or more goods or services;creating a data record in a database representing the purchase of said one or more goods or services by said consumer;generating in response to the successful purchase of said one or more goods or services via the identified payment means a unique quick response (“QR”) code, said QR code associated with said data record such that said QR code contains a link to said data record;transmitting said QR code to the mobile device for display thereon by the consumer to verify to the retailer the ...

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Номер записи: 59
03-10-2013 дата публикации

Portable Bar Code Verification Reader

Номер: US20130256409A1
Автор: David Andrew Barnwell Reed, Timothy Francis Lydell
Принадлежит: Label Vision Systems Inc

A new technology is provided for a portable bar code verification reader and is designed to create a video image of a bar code label in accordance to strict industry bar code verification standards. The barcode verification reader will effectively capture a bar code label and then send the resulting video image to a computer. The resulting bar code label quality may be displayed on the portable verification reader via one or more LED's, an embedded display monitor, or the like.

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Номер записи: 60
03-10-2013 дата публикации

METHOD FOR DECODING A TWO-DIMENSIONAL OPTICAL CODE

Номер: US20130256410A1
Автор: Deppieri Francesco, Pascarella Antonio, Zocca Rinaldo
Принадлежит: DATALOGIC IP TECH S.R.L.

A method for decoding a two-dimensional optical code formed by a set number of codewords, wherein decoding the code based on a single acquired image has not been successful, includes analysing an acquired image and at least one further acquired image and obtaining a respective set and further set of values of identified codewords. Each codeword can take on either an undefined value or vice versa a numeric value if the codeword is recognised. A combined set of codewords is created and each codeword of the combined set is assigned a value of a codeword of the set and/or of the further set and an algorithm for detecting and self-correction of errors is applied to the combined set to obtain confirmation of successful decoding of the two-dimensional code. 1. A method for decoding a two-dimensional optical code formed by a preset number of codewords , wherein decoding of said code based on a single acquired image has not been successful , comprising analysing an acquired image and at least one further acquired image of said code to obtain a respective set and further set of values of identified codewords , assigned to said code by said acquired image and by said further acquired image , each codeword being able to take on either an undefined value or a numeric value if said codeword is recognised; creating a combined set of codewords and combining said set and said further set by assigning each codeword of said combined set a value of said set and/or of said further set , wherein said combining comprises , for each codeword of said combined set , comparing corresponding codewords of said set and of said further set and if said corresponding codewords respectively have a numeric value and a further different numeric value and said codeword of said combined set is identified as unreliable , assigning an undefined value to said codeword of said combined set and checking said combined set by applying an algorithm for error detection and self-correction to have confirmation of ...

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Номер записи: 61
03-10-2013 дата публикации

Method and Apparatus for Custom Strategy Specification in a Hosted Electronic Transaction Service System

Номер: US20130262310A1
Автор: Harding Timothy Robert, Jiminez Michael Pe, King Jeffrey Leroy, Strout Theodore Arthur
Принадлежит:

A merchant generates a customized service strategy related to a suite of electronic transaction services hosted by a service provider. The custom strategy specifies services to perform, and possibly an order in which to perform the services, by a service provider in relation to an electronic transaction associated with the merchant. Through use of a user interface, the strategy can be represented as a graphical decision tree, with terminal nodes representing services or actions. A customized strategy is transmitted to a service provider, as is transaction related information, whereby the service provider can service the transaction according to the strategy and based on the transaction information. Scheduling information that specifies different strategies to apply to different transaction scenarios can be generated. A strategy is selected by a service provider based on the scheduling information and transaction information, and is used to service one or more electronic transactions. 158-. (canceled)59. A method , comprising:receiving, using one or more processors, one or more strategies associated with one or more merchants, wherein each strategy specifies an order for performing one or more services corresponding to a transaction associated with a merchant, wherein each service is associated with one or more actions, and wherein the one or more strategies are stored in a strategy library;receiving, using the one or more processors, transaction information associated with a merchant;retrieving, using the one or more processors, a strategy associated with the merchant, wherein the strategy is retrieved from the strategy library, wherein the strategy includes one or more services including a distribution control service, and wherein the distribution control service includes policy compliance, export compliance, and digital product rights management;determining, using the one or more processors, whether the transaction information is compliant by performing the ...

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Номер записи: 62
03-10-2013 дата публикации

SYSTEM AND METHOD FOR AUTOMATED ANALYSIS COMPARING A WIRELESS DEVICE LOCATION WITH ANOTHER GEOGRAPHIC LOCATION

Номер: US20130262311A1
Автор: Brennan Jeffrey, Buhrmann Michael F., Dennis Charles, Reeder Mary
Принадлежит:

A system and method for automatically comparing obtained wireless device location information from a wireless network and comparing that location with another independent source geographic location is provided. Location information is derived from two or more sources in a multiplicity of ways and a comparison is made within a Location Comparison Engine. The Location Comparison Engine makes use of databases that assist in resolving obtained raw positioning information and converting that positioning information into one or more formats for adequate location comparison. Results of location comparison are deduced to determine if the wireless device is in some proximity to some other activity source location. Other location information used for comparison may be obtained from a multiplicity of sources, such as another network based on some activity of wireless device user, another wireless device via a wireless network, or any system capable of providing location information to the Location Comparison Engine. 1. A method of comparing a wireless device's location with a wireless device user's location to mitigate a fraudulent use of a credit card of the user , the method comprising:accessing, with a payment terminal, account data stored on the credit card to execute a financial transaction, the account data comprising an identifier of the wireless device;sending, over at least one network, a request to obtain information identifying the location of the wireless device based on the accessed identifier;receiving the information identifying the location of the wireless device;comparing the information identifying the location of the wireless device with information identifying the location of the payment terminal;evaluating the results of the comparison of the information identifying the location of the wireless device with the information identifying the location of the payment terminal to determine a relative degree of proximity of the wireless device with the payment ...

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Номер записи: 63
03-10-2013 дата публикации

INSTANTANEOUS MERCHANT INFORMATION RETRIEVAL FOR FINANCIAL TRANSACTIONS

Номер: US20130262313A1
Автор: Fink David Anthony, Flynn Richard Thomas, Horn Gary Randall, Martin Kimberly Ann, Sellner Thomas Joseph
Принадлежит:

A solution to resolve ambiguous merchant data in connection with processing a cashless transaction request in a real-time manner. Provided according to the present disclosure are a system and method including a binary-searchable non-transitory computer-readable medium is configure to store a first set of unambiguous merchant identification data having plural data entries therein, each entry corresponding to a merchant. A binary search of the first set of unambiguous merchant identification data is carried out using search keys based upon the ambiguous merchant identification data to determine whether one or more entries of the first set satisfies at least one of a second set of partial match criteria for comparing the ambiguous merchant identification data with the first set of unambiguous merchant identification data. An entry of the first set of unambiguous merchant identification data is assigned to correspond with the ambiguous merchant identification data where at least a predetermined number of the second set of partial match criteria are met. 1. A method of resolving ambiguous merchant identification data that forms part of a cashless transaction , the method comprising:storing in a binary-searchable non-transitory computer-readable medium a first set of unambiguous merchant identification data having plural data entries therein, each entry corresponding to a merchant;performing a binary search of the first set of unambiguous merchant identification data using search keys based upon the ambiguous merchant identification data to determine whether one or more entries of the first set satisfies at least one of a second set of partial match criteria; andassigning an entry of the first set of unambiguous merchant identification data to correspond with the ambiguous merchant identification data where at least a predetermined number of the second set of partial match criteria are met.2. The method according to claim 1 , further comprising:storing in a binary- ...

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Номер записи: 64
17-10-2013 дата публикации

AGGREGATION OF VALIDATED TRANSACTIONS FOR SETTLEMENT

Номер: US20130275245A1
Автор: Dixon Philip B., El-Awady Khalid
Принадлежит:

At each of a plurality of merchant Point Of Service terminals (POS), for each of a plurality of consumers, where each consumer seeks to conduct a transaction with the merchant for a good or service by using a payment device issued by an issuer in a payment system, data is read from the payment device. The data can include an identifier for an account issued by an issuer. The consumer is permitted to receive the good or service from the merchant prior to validating the account with the issuer. Transaction information for each transaction is stored during a predetermined aggregation criteria, such as time period, number of transactions, monetary volume, etc., into an aggregation set of said transactions. During the predetermined aggregation criteria, an evaluation is made, by communication with the corresponding issuer, whether the accounts in the aggregation set of transactions are valid. 152-. (canceled)53. A method comprising:receiving, from a plurality of merchant terminals, transaction data of a plurality of transactions conducted with a plurality of portable payment devices, wherein each of the transactions permitted a consumer to receive a good or service prior to obtaining payment authorization from an issuer of the respective portable payment device used in each transaction;aggregating the transaction data of the plurality of transactions into an aggregation set of transactions,determining if the aggregation set of transactions satisfies a predetermined transaction aggregation criteria;sending the aggregation set of transactions including the plurality of transactions conducted with the plurality of portable payment devices in a batch to a payment processing system to request payment authorization from one or more issuers of the portable payment devices when the aggregation set of transactions satisfy the predetermined transaction aggregation criteria.54. The method of claim 53 , wherein the predetermined transaction aggregation criteria includes at least one ...

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Номер записи: 65
17-10-2013 дата публикации

SYSTEMS, METHODS, AND COMPUTER READABLE MEDIA FOR CONDUCTING A TRANSACTION USING CLOUD BASED CREDENTIALS

Номер: US20130275307A1
Автор: Khan Mohammad
Принадлежит:

A method for conducting an electronic transaction that includes initiating an electronic transaction between a mobile device and a POS reader device and applying at least a user identifier that is associated with a user of the mobile device and shared secret data as inputs to a cryptographic function in the mobile device. The method further includes inserting the output of the cryptographic function into legacy transaction formatted data, wirelessly providing the legacy transaction formatted data to the POS reader device via the electronic transaction, forwarding the legacy transaction formatted data to the issuer server, and processing, at the issuer server, the legacy transaction formatted data to verify the user identifier and request authorization for the electronic transaction. The method also includes sending a notification message to the POS reader device that indicates that the electronic transaction is authorized and conducting the electronic transaction upon receipt of the notification message. 1. A method for conducting an electronic transaction , the method comprising:initiating an electronic transaction between a mobile device and a point of sale (POS) reader device;applying at least a user identifier that is associated with a user of the mobile device and shared secret data as inputs to a cryptographic function in the mobile device, wherein the shared secret data is a key or password shared by both the user and an issuer server;inserting the output of the cryptographic function into legacy transaction formatted data;wirelessly providing the legacy transaction formatted data to the POS reader device via the electronic transaction;forwarding, from the POS reader device, the legacy transaction formatted data to the issuer server;processing, at the issuer server, the legacy transaction formatted data to verify the user identifier and request authorization for the electronic transaction;sending, to the POS reader device, a notification message that ...

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Номер записи: 66
24-10-2013 дата публикации

SYSTEM AND METHOD FOR DATA AND IDENTITY VERFICATION AND AUTHENTICATION

Номер: US20130282582A1
Автор: AQUILA TONY, PEREIRA EDGARD LOBO BAPTISTA
Принадлежит:

A system for verifying and authenticating the identity of a user in a transaction. The user's identity is authenticated through the user's computer, tablet computer, mobile computing device, web browser (as a web-page, or as a plug-in for the browser), or other computing device by means of a single-use, time sensitive, system-generated transaction token and user selected system PIN. The user presents the transaction token to the vendor or merchant, which forwards a request for authentication to the system. The system prompts the user to confirm the transaction and enter the PIN into the device used to generate the transaction token. Upon confirmation, the transaction is completed. 1. A computer-based method of identity authentication for a transaction , comprising:receiving, using a processor or microprocessor in a computing device, a request from a user to generate a transaction token for use in a transaction;generating, using a processor or microprocessor, the transaction token;displaying the transaction token to the user;receiving a request to verify a transaction from a remote verification system;prompting the user to input a personal identification number or code to confirm the transaction; andsending the personal identification number or code to the remote verification system to confirm the transaction.2. The method of claim 1 , wherein the computing device is a personal computer claim 1 , a smart phone claim 1 , or mobile computing device.3. The method of claim 1 , wherein the transaction is an online commercial transaction claim 1 , or a commercial transaction initiated through an email.4. The method of claim 1 , wherein the transaction is a commercial transaction conducted through a call center.5. The method of claim 1 , wherein the transaction is a commercial transaction conducted in a store.6. The method of claim 1 , wherein the transaction token is single-use.7. The method of claim 1 , wherein the transaction token is time sensitive.8. The method of ...

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Номер записи: 67
24-10-2013 дата публикации

SYSTEMS AND METHODS TO APPLY THE BENEFIT OF OFFERS VIA A TRANSACTION HANDLER

Номер: US20130282586A1
Автор: Carlson Mark, Hagey Ryan, Koganti Krishna Prasad, Kumnick Phillip Lyle, Ovick Joseph Bjorn, Powell Glenn, Reid Margaret, Stan Patrick, Wright Patrick
Принадлежит:

A system includes a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing an account holder, into separate transactions with the issuer processor and at least one sponsor processor that is configured to provide the benefit of offers to applicable transactions. A portal is configured to notify the account holder of the award/redemption of the benefit of an offer using a communication channel separate from the transaction terminal that initiates and approves the transaction between the account holder and the merchant. 1. A payment processing system having at least one microprocessor and memory storing instructions configured to instruct the at least one microprocessor to perform operations , the system comprising:a transaction handler configured to interconnect issuer processors and acquirer processors in a payment processing network, wherein each of the issuer processors is configured to control consumer accounts issued to consumers and make payments on behalf of the consumers using the consumer accounts and each of the acquirer processors is configured to receive payments on behalf of merchants using merchant accounts set up for the merchants; the data warehouse is further configured to store data associating an offer with a consumer account issued to a user, the offer having a benefit applicable to the consumer account when a plurality of conditions are met,', 'the data warehouse is further configured to store a trigger record identifying the offer and a subset of the plurality of conditions,', 'the transaction handler is further configured to use the trigger record in processing payment transactions and detect an authorization request received from an acquirer processor for a first transaction that satisfies the subset of conditions identified in the trigger record,', 'in response to the authorization request for the first transcation being detected to satisfy the ...

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Номер записи: 68
31-10-2013 дата публикации

Systems and Methods for tracking and authenticating goods

Номер: US20130284803A1
Автор: "ONeill Conor", Bear David, Kechter George, Smith Richard, Wood Stephen M.
Принадлежит:

Systems and methods for identifying, tracking, tracing and determining the authenticity of a good are described herein. In some embodiments, a system includes an imaging system, a database, and an authentication center. The imaging system is configured to capture an image of a unique signature associated with a good at the good's origin. The unique signature can be, for example, a random structure or pattern unique to the particular good. The imaging system is configured to process the image of the good to identify at least one metric that distinguishes the unique signature from unique signatures of other goods. The database is configured to receive information related to the good and its unique signature from the imaging system; and is configured to store the information therein. The authentication center is configured to analyze the field image with respect to the information stored in the database to determine whether the unique signature in the field image is a match to the captured image stored in the database. 1. An apparatus , comprising:a label including a substrate and a plurality of flecks being randomly distributed on the substrate, at least a portion of the plurality of flecks forming a unique signature configured to be associated with a good and to be captured by an imaging device for verifying the authenticity of the good, the label including a serialization code configured to be electronically associated with the unique signature.2. The apparatus of claim 1 , wherein the label includes a top layer coupled to the substrate claim 1 , the plurality of flecks being randomly disposed between the substrate and the top layer.3. The apparatus of claim 2 , wherein the plurality of flecks are disposed in an adhesive layer between the substrate and the top layer.4. The apparatus of claim 1 , wherein the serialization code includes at least one of a unique alphanumeric or bar code having instructions for a lighting configuration to be implemented by the imaging ...

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Номер записи: 69
31-10-2013 дата публикации

REAL-TIME PAYMENT AUTHORIZATION

Номер: US20130290121A1
Автор: Bedier Osama, Lai Angela Chun Wah, Phukan Prasenjit, Simakov Pavel
Принадлежит: GOOGLE INC.

Novel features to be used in a proxy card payment system include a real-time request to override a declined transaction or to select a different financial account and the insertion of user identification information into the transaction approval message sent to the merchant. A payment request is forwarded to the payment system, which maintains the proxy card account and determines whether the transaction violates a user-defined rule. If the transaction is declined by the issuer that maintains the financial account, or the payment system for violation of a user-defined rule, the payment system sends a real-time message to the user. The user is prompted to override the rule causing the transaction to be declined or to select a new account to process the transaction. Once the payment system receives authorization for the transaction, it inserts the user identification information in an approval message before transmitting the approval to the merchant. 128-. (canceled)29. A computer-implemented method for providing real-time notifications of declined payment account transactions , comprising:receiving, using one or more computing devices of a payment system, a first payment request from a merchant computing device for a purchase by a user from a merchant associated with the merchant computing device, the first payment request comprising information identifying a payment account associated with the user and maintained by the payment system, the payment account comprising information for one or more financial accounts maintained by one or more non-payment system issuers;selecting, by the one or more computing devices, which of the one or more financial accounts associated with the proxy account to use to process the first payment request based at least in part on one or more payment rules defined for the payment account;declining, by the one or more computing devices, the first payment request based at least in part on a deficiency in the selected financial account; ...

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Номер записи: 70
31-10-2013 дата публикации

System and method for effecting payment to a beneficiary including a real-time authorization of the payment

Номер: US20130290178A1
Автор: Stafford Clint Masie
Принадлежит: Abine Ltd

Provided is a system for and a method of effecting payment to a beneficiary so as to include a real-time authorization of the payment and, more particularly, a system for and a method of effecting payment to a beneficiary by means of a conventional banking card, including a real-time authorization of the payment. A system may include a personal peripheral dongle operable to facilitate a payment transaction through use of a conventional banking card payment mechanism including entering a password associated with the banking card as well as presenting the banking card during a transaction authorization process.

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Номер записи: 71
31-10-2013 дата публикации

ALTERNATIVE PAYMENT METHOD FOR ONLINE TRANSACTIONS USING INTERACTIVE VOICE RESPONSE

Номер: US20130290189A1
Автор: Dayalan Joel Garner
Принадлежит:

A method for performing payments in remote transactions between a buyer and a vendor is provided. The method includes receiving buyer information from a vendor's network outlet when the buyer indicates a desire to purchase a selection at a later time through an Interactive Voice Response (IVR) center; providing a token to the buyer; receiving information about the token from the buyer through the IVR center; verifying the information about the token; transferring funds from a buyer account to a vendor account. Also provided is a system for processing payments in remote transactions including an IVR center to: receive a request for token from a buyer to purchase products from a vendor, and to receive information about the product; provide the token to the buyer; access a database, the database including information from vendor's and buyer's accounts; transfer funds from buyer's account to vendor's account upon buyer confirmation. 1. A method for performing payment transactions between a buyer and a vendor , the method comprising:receiving, electronically by a processor of a service provider, purchase information including a purchase selection selected by the buyer and an identification of the buyer;generating a token associated with the purchase selection of the buyer, the token having an expiration time;transmitting the token to a buyer's communication device;receiving a payment request for the purchase selection and the token from the buyer via an Interactive Voice Response (IVR) system; andprocessing a payment to the vendor for the purchase selection based on whether the payment request is received before the token expires.2. The method of claim 1 , further comprising:verifying the token received via the IVR system with the token generated for the purchase selection; andcanceling the payment to the vendor when the token is not verified.3. The method of claim 1 , further comprising:verifying the identification of the buyer received with an identification of the ...

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Номер записи: 72
07-11-2013 дата публикации

Systems and Methods for Accessing Charging Capabilities of Electric Vehicle Charging Stations

Номер: US20130292469A1
Автор: Acosta-Cazaubon Jesus, Alexander George
Принадлежит:

Embodiments of the invention can provide systems and methods for accessing charging capabilities of electric vehicle charging stations. According to one embodiment of the invention, a system can be provided. The system can include a computer processor. The system can also include a memory operable to store computer-executable instructions operable to receive a readable code associated with an electric vehicle charging station, and further receive a unique identifier associated with a mobile device; and based at least in part on the readable code and unique identifier, authorize a consumer associated with the mobile device to access charging capabilities associated with the electric vehicle charging station. 1. A method for accessing charging capabilities of electric vehicle charging stations , comprising:registering a unique identifier of a mobile device with an electric vehicle charging station operator;transmitting a readable code to the electric vehicle charging station operator with the mobile device, wherein the readable code is associated with a particular electric vehicle charging station having a readable code; andreceiving an indication that a consumer associated with the unique identifier of the mobile device can access charging capabilities associated with the electric vehicle charging station.2. The method of claim 1 , further comprising:upon or after receipt of the indication, authorizing charging of an electric vehicle.3. The method of claim 1 , wherein the unique identifier of the mobile device is a media access control address.4. The method of claim 1 , wherein the readable code comprises a quick response (QR) code claim 1 , a bar code claim 1 , or an encrypted identification code.5. The method of claim 1 , wherein the mobile device is a smartphone claim 1 , a mobile phone claim 1 , a tablet device claim 1 , or a handheld communication device.6. The method of claim 1 , wherein registering claim 1 , transmitting claim 1 , and receiving are performed ...

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Номер записи: 73
07-11-2013 дата публикации

SYSTEM AND METHOD FOR READING OPTICAL CODES ON BOTTOM SURFACE OF ITEMS

Номер: US20130292470A1
Автор: Gao WenLiang, Olmstead Bryan L., Shearin Alan
Принадлежит:

An automated checkout system and method of operation for reading encoded data on a bottom surface of an item using a data reader. The automated checkout system includes a leading conveyor section and a trailing conveyor section separated by a gap therebetween, where the item is transported across the gap as it moves between the conveyors. A first and second reading device are each positioned beneath the conveyor sections, where each reading device has a field of view projecting through the gap. The first reading device is configured to acquire a first set of scan data and the second reading device is configured to acquire a second set of scan data different from the first. In some embodiments, the first set of scan data may include two-dimensional area views of the encoded data, and the second set of scan data may include linescans of the encoded data.

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Номер записи: 74
07-11-2013 дата публикации

SECURE FINANCIAL TRANSACTIONS

Номер: US20130297508A1
Автор: Belamant Serge Christian Pierre
Принадлежит:

A primary account number (“PAN”) of a conventional credit or debit account with a bank or other financial institution is emulated or simulated, which incorporates, in encrypted form, the actual account number. The simulated PAN may also incorporate an amount to be debited from that account. Thus, an account number and an amount are encrypted and mapped into a string of digits which appears to be a valid PAN. The actual account number and the transaction amount are thus embedded in the simulated PAN. The simulated PAN is then processed by existing financial transacting infrastructure, with the issuing bank knowing that it is not a PAN and that the appropriate digits are to be decrypted to provide the embedded account number and the embedded amount. 117-. (canceled)18. A financial institution processing facility for processing a financial transaction number that simulates a conventional credit or debit card primary account number and which has incorporated therein an account number of a transactor , which includes an extractor for extracting from the simulated primary account number the account number.19. The financial institution processing facility as claimed in claim 18 , in which the financial transaction number also incorporates a transaction amount and the financial transaction number is received together with a request to authorize payment of a deal amount claim 18 , and in which the extractor also extracts from the simulated primary account number the transaction amount.20. The financial institution processing facility as claimed in claim 18 , which includes a single use checking arrangement for ensuring that a received simulated primary account number may only be used once.21. The financial institution processing facility as claimed in claim 20 , in which the single use checking arrangement includes a store in which at least designated portions of previously received simulated primary account numbers are stored and a comparator for comparing at least the ...

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Номер записи: 75
14-11-2013 дата публикации

SYSTEM AND METHOD FOR ASSISTED MAINTENANCE IN A GAMING MACHINE USING A MOBILE DEVICE

Номер: US20130301884A1
Автор: Kelly Bryan M., Lyons Martin S.
Принадлежит: Bally Gaming, Inc.

A gaming system is disclosed for enabling a technician to open a door of a gaming machine without needing a physical key having a biometric controlled door lock. The system comprising: one or more gaming machines each having a door, a server connected to the one or more gaming machines via a network, and one or more mobile devices. The server stores a code decoding module for determining a gaming machine identifier (ID). The gaming machine ID is used by a gaming machine ID database to determine which gaming machine has been scanned. Each mobile device enables a technician to scan a code on the gaming machine using the camera on the mobile device. The mobile device transmits a mobile device identifier and a technician's personal identification number, after which the door unlocks after the gaming machine receives an unlock signal. 1. A method of enabling a technician to open a door of a gaming machine without needing a physical key using a gaming system having a door lock , the method comprising:capturing an image of a barcode on the gaming machine using a camera on a mobile device;sending the image of the barcode to a web server;decoding the image of the barcode to determine a gaming machine identifier (ID) using a barcode decoding module, which is used by a gaming machine ID database to determine which gaming machine has been scanned;receiving a mobile device identifier that is transmitting from the mobile device to the lock component;receiving a technician's personal identification number that is transmitting from the mobile device to the lock component;sending a signal to the gaming machine to unlock the door; andwherein three credentials are required to be passed to the lock component, the three credentials including the mobile device identifier, the gaming machine ID, and the technician's personal identification number.2. The method of claim 1 , wherein the image of the barcode is sent via an encrypted link over the Internet to the web server.3. The method of ...

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Номер записи: 76
14-11-2013 дата публикации

METHOD AND SYSTEM FOR A PAYMENT TRANSACTION ASSOCIATED WITH A DECLARATION OF INTENT

Номер: US20130304650A1
Автор: Hogl Christian
Принадлежит:

The present invention relates to a method and a system for initiating and/or conducting a transaction that is associated with at least two corresponding declarations of intent, in particular a payment transaction, between at least two transaction parties via a processing unit (), in which payment transaction at least one of the transaction parties uses a land line telephone or mobile telephone () or a mobile communications device for transmitting data. The method is characterized by the transmission of data to the processing unit by at least two transaction parties within a limited time frame, and by the fact that the initiation of the data transmission of these transaction parties is effected actively by the transaction parties and not by the processing unit (), while the data transmitted during initiation contain features that enable correlating the declarations of intent with one another. 112. Method for a payment transaction between a payer and a payee using () two communication devices respectively associated with data transmissions by the payer and the payee and () a processing unit , wherein a spatial proximity exists between payer and payee , and location information of the payer is transmitted and evaluated , the method comprising:the payer's communication device transmits data to the processing unit that contain a reference to a declaration of intent that is at least directed to conducting a payment transaction associated with money or value units;the processing unit is used to derive a transaction data set and an identifier of the payer from the data transmitted by the payer, and to put, using the information on the location of the payer as an additional criterion, the transaction data set into a transaction pool;the processing unit is used to determine whether uniquely correlating the transaction parties on the basis of a criterion using the identifier of the payer, and using the information on the location of the payer as an additional criterion, is ...

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Номер записи: 77
21-11-2013 дата публикации

SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR THE RECEIPT OF TRANSACTION OFFERS

Номер: US20130311330A1
Автор: Ramaci Jonathan E.
Принадлежит:

In general terms, embodiments of the present invention relate to apparatuses, methods, and computer program products for receiving transaction offers. For example, in some embodiments, a method is provided that includes (a) receiving information associated with a transaction; (b) storing, in a memory device, the information associated with a transaction; (c) receiving authentication information from a user to authenticate the user to enter into the transaction; and (d) enabling the user to enter into the transaction by using at least one of a magnetic swipe card writer, bar code display, or fingerprint reader. 1. A method implemented by a computing device , wherein the computing device receives an offer to enter into a transaction , the method comprising steps of:receiving information associated with a transaction;storing, in a memory device, the information associated with a transaction;receiving authentication information from a user to authenticate the user to enter into the transaction; andenabling the user to enter into the transaction by using at least one of a magnetic swipe card writer, bar code display, or fingerprint reader.2. The method of claim 1 , wherein receiving information associated with a transaction comprises receiving the account information of another person.3. The method of claim 1 , wherein receiving information associated with a transaction comprises receiving a coupon for a purchase.4. The method of claim 1 , wherein receiving information associated with a transaction comprises receiving an electronic file.5. The method of claim 1 , wherein receiving information associated with a transaction comprises receiving information from a mobile computing device.6. The method of claim 1 , wherein receiving information associated with a transaction comprises receiving information from a computing system.7. The method of claim 1 , wherein receiving information associated with a transaction comprises receiving information from an apparatus operably ...

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Номер записи: 78
21-11-2013 дата публикации

MULTIPLE PARTY ON-LINE TRANSACTIONS

Номер: US20130311370A1
Автор: Gong Yitao
Принадлежит: GOOGLE INC.

A role associated with one or more parties involved with a purchase transaction is received. A routing rule associated with the purchase transaction is also received, the routing rule defining how the purchase transaction is routed among the one or more parties. The purchase transaction is processed based on the role of each party and the routing rule. 120-. (canceled)21. A computer-implemented method for processing multi-party transactions , comprising:receiving, by one or more computing devices, one or more rules associated with a purchase transaction, the one or more rules defining how the purchase transaction is routed among one or more parties involved with the purchase transaction;receiving, by the one or more computing devices, an indication to proceed to checkout from a first party of the one or more parties of the one or more parties involved with the purchase transaction, wherein the indication to proceed to checkout comprises a request to complete the purchase transaction;in response to the one or more rules associated with the purchase transaction, transmitting, by the one or more computing devices, a payment request to a second party of the one or more parties involved with the purchase transaction, wherein the payment request comprises a request that the second party of the one or more parties approves the purchase transaction;receiving, by the one or more computing devices, a payment authorization, wherein the payment authorization comprises an approval of the purchase transaction from the second party of the one or more parties; andcompleting, by the one or more computing device, the purchase transaction.22. The computer-implemented method of claim 21 , wherein the role of the first party of the one or more parties of the one or more parties is one or more of a buyer and a suggestor.23. The computer-implemented method of claim 21 , wherein the roles associated with the purchase transaction define a responsibility of each party of the one or more ...

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Номер записи: 79
21-11-2013 дата публикации

SYSTEMS AND METHODS TO FACILITATE REPEATED PURCHASES

Номер: US20130311377A1
Автор: Davis Kurt, Goodsall James, Kim Jang, Yoo David
Принадлежит: Boku,Inc.

Systems and methods are provided to facilitate repeated purchase and payment transactions. In one aspect, a system includes an interchange and a data storage facility configured to store payment transaction records associated with phone numbers. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats and to communicate with the common format processor in a common format. The common format processor is configured to identify a prior payment transaction associated with a phone number in response to a message from a mobile phone having the phone number, communicate with a merchant to repeat a purchase according to the prior payment transaction, and transmit via one of the converters premium messages to the mobile phone to collect funds for a payment to repeat the purchase. 1. A computer-implemented method , comprising:processing, by a computing device, a previous payment transaction by a user of a phone number;receiving, by a computing device, an authorization from the user of the phone number, the authorization being associated with the previous payment and including an option to authorize a merchant to request a subsequent payment on behalf of the user;storing, by the computing device, the authorization data in association with the phone number to indicate a user selection of the option;receiving, by the computing device, a payment request from the merchant;determining, by the computing device, whether the authorization data is stored in association with the previous payment transaction;if the authorization data is not stored in association with the previous payment transaction, rejecting, by the computing device, the payment request; andif the authorization data is stored in association with the previous payment transaction processing, by the computing device, the payment ...

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Номер записи: 80
21-11-2013 дата публикации

SYSTEMS AND METHODS TO FACILITATE REPEATED PURCHASES

Номер: US20130311378A1
Автор: Davis Kurt, Goodsall James, Kim Jang, Yoo David
Принадлежит: Boku,Inc.

Systems and methods are provided to facilitate repeated purchase and payment transactions. In one aspect, a system includes an interchange and a data storage facility configured to store payment transaction records associated with phone numbers. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats and to communicate with the common format processor in a common format. The common format processor is configured to identify a prior payment transaction associated with a phone number in response to a message from a mobile phone having the phone number, communicate with a merchant to repeat a purchase according to the prior payment transaction, and transmit via one of the converters premium messages to the mobile phone to collect funds for a payment to repeat the purchase. 1. A computer-implemented method , comprising:processing, by a computing device, a previous payment transaction by a user of a phone number;receiving, by a computing device, an authorization from the user of a phone number, the authorization including an option configured to allow the merchant to request a payment to repeat a purchase;storing, by the computing device, the authorization data in association with the phone number to indicate a user selection of the option;receiving, by the computing device, a payment request from the merchant;determining, by the computing device, whether the authorization data is stored in association with the previous payment transaction;if the authorization data is not stored, rejecting, by the computing device, the payment request; andif the authorization data is stored, processing, by the computing device, the payment request.2. The method of claim 1 , further comprising:receiving, by the computing device, a payment request from the merchant to repeat the purchase; ...

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Номер записи: 81
28-11-2013 дата публикации

ANTI-COUNTERFEITING SYSTEM & METHOD OF E-TICKET

Номер: US20130313314A1
Автор: Chien Ta-Wei, JENG Wei-Herng, JU Gwo-Hwa
Принадлежит: CHUNGHWA TELECOM CO., LTD

An anti-counterfeiting system and method for an e-ticket are disclosed. The anti-counterfeiting system includes a ticket service center, a handheld device, a ticket checking device, and a database. The ticket checking device identifies the e-ticket information shown on a display of the handheld device at least twice. The e-ticket is verified by using the handheld device to execute a ticket software including an e-ticket service. The handheld device obtains at least one e-ticket information from the ticket service center via a network link. When the display of the handheld device shows that the e-ticket information is read by the ticket checking device and is verified by the database, the ticket service center transmits an e-ticket verification information to the handheld device, and the display of the handheld device then shows the e-ticket information for the ticket checking device to check again. 1. An e-ticket anti-counterfeiting system , comprising:a ticket service center for providing an e-ticket application service;a ticket checking device comprising a communication module, an image module, and an recognizing module, wherein the image module identifies the e-ticket information or the e-ticket verification information on a display of the handheld device at least twice, and the recognizing module verifies whether the e-ticket information or the e-ticket verification information on the display of the handheld device is correct or valid;the handheld device comprising a transmission module and a ticket software, wherein the transmission module connects to the ticket service center via a network and obtains the e-ticket information or the e-ticket verification information for the recognizing module to verify the e-ticket information or the e-ticket verification information to be correct or valid; anda database comprising a comparing module, wherein the database stores a user information, handheld device information, or e-ticket transaction information.2. The e- ...

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Номер записи: 82
05-12-2013 дата публикации

Anti-Counterfeiting Methods

Номер: US20130320079A1
Автор: Bolouri-Saransar Masud, Nordin Ronald A.
Принадлежит:

The present invention relates to the field of product authentication and anti-counterfeiting techniques, and more specifically, to techniques employing RFID tags and encryption technologies. Embodiments of the present invention illustrate the use of RFID tags having encrypted information stored therein which upon decryption by a down-stream entity or an end user can help determine the authenticity of a product. Furthermore, the embodiments disclosed herein illustrate various examples supply chains and private key management. 1. A method against counterfeiting , said method comprising the steps of:providing a radio-frequency identification (RFID) tag capable of being attached to a product, said RFID tag having a unique identification string hardcoded therein and a user-accessible memory;asymmetrically encrypting by way of a private encryption key said unique identification string to obtain an authentication code word;writing said authentication code word into said user-accessible memory;reading said authentication code word from said user-accessible memory via an RFID reader;decrypting said authentication code word using a public decryption key to obtain a decrypted result; and if said decrypted result matches said unique identification code, said product is genuine, and', 'if said decrypted result does not match said unique identification code, said product is counterfeit., 'comparing said decrypted result to said unique identification code, wherein'}2. The method of claim 1 , wherein said product is a pharmaceutical drug.3. The method of claim 1 , wherein said RFID tag is tamperproof such that after attaching said tamperproof RFID tag to said product said tamperproof RFID tag cannot be removed from said product without disabling said tamperproof RFID tag.4. The method of claim 1 , wherein said step of asymmetric encryption includes asymmetrically encrypting by way of said private encryption key said unique identification string and at least one of a product name ...

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Номер записи: 83
05-12-2013 дата публикации

RELATED PARTY PAYMENT SYSTEM

Номер: US20130325719A1
Автор: Collas James, Hall Jeffery, Nicolaidis Chris, Shultz Jonathan
Принадлежит: THE SPENDSMART PAYMENTS COMPANY

Systems and methods are disclosed herein which that enable a first party, such as a child, to selected one or more items offered by an online retailer and to send a request to a second party, such as a parent or guardian, to request that the second party purchase the item or items for the first party. The systems and methods provide the second party with the ability to view requests received from the first party, to set limits on the number of requests and the amounts of the requests that the first party may make. The second party may also designate the parties to whom the first party may submit purchase requests. The child may also submit request to one or more non-parental contributors who may contribute money toward the purchase the one or more items for the child. 1receiving an electronic third party funding request at the one or more processors from on behalf of an account of the first person that the second person fund the account;sending an electronic payment authorization request to the second person from the one or more processors;receiving an electronic response to the payment authorization request, the electronic response being initiated by the second person;determining, using the one or more processors, whether the response includes an authorization to pay for the item for the first person; andprocessing the third party payment request at the one or more processors to purchase the item from the online retailer when the response includes an authorization to pay the online retailer for the item for the first person.. A computer-implemented method for funding an account for a first person by a second person, where one or more processors are programmed to perform steps comprising: This application is a continuation of Ser. No. 13/251,972, filed Oct. 3, 2011, which is a continuation of Ser. No. 12/609,885, filed Oct. 30, 2009, which claims the benefit of U.S. provisional patent application Ser. No. 61/109,803, filed on Oct. 30, 2008, all of which are entitled ...

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Номер записи: 84
12-12-2013 дата публикации

SYSTEMS AND METHODS TO PROVIDE PRIVACY PROTECTION FOR ACTIVITIES RELATED TO TRANSACTIONS

Номер: US20130332361A1
Автор: Ciurea Peter
Принадлежит:

A computing apparatus includes: a portal configured to present a privacy control panel to receive input from a user to create a privacy policy; a data warehouse configured to store the privacy policy in connection with account information of the user; and a transaction handler configured to provide a privacy indicator, in accordance with the privacy policy stored in the data warehouse, in an authorization response for a transaction made using the account information of the user. 1. A computing apparatus having at least one microprocessor and memory storing instructions configured to instruct the at least one microprocessor to perform operations , the computing apparatus comprising:a portal configured to provide a user interface to a user to specify a privacy policy of the user;a data warehouse coupled with the portal to store the privacy policy in connection with account information identifying a payment account of the user;a transaction handler of a payment processing network configured to process payment transactions made using payment accounts and store in the data warehouse transaction data recording the payment transactions processed by the transaction handler; anda rule engine coupled with the transaction handler and the data warehouse to determine, in response to a payment transaction made using the account information for a payment to a merchant on behalf of the user, a set of privacy preferences based on the privacy policy of the user;wherein the portal is configured to transmit the set of privacy preferences to a computing system of the merchant to control user data relevant to the user.2. The computing apparatus of claim 1 , wherein the set of privacy preferences is transmitted to the computing system of the merchant in a machine readable format to control the user data on the computing system.3. The computing apparatus of claim 1 , wherein in response to a determination that there is an applicable privacy preference for the payment transaction claim 1 , ...

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Номер записи: 85
19-12-2013 дата публикации

Systems and Methods for Tokenizing Financial Information

Номер: US20130339240A1
Автор: Anderson William D., Masterson Bradley T., Royyuru Vijay Kumar, Sanchez J. Scott
Принадлежит: FIRST DATA CORPORATION

This disclosure describes systems and methods related to authorizing payment transactions using verbal recognition of a customer. In some embodiments, a payment transaction service provider system may receive payment authorization information from a user device. The payment authorization information may include a recording. The payment authorization information may be authenticated based at least in part on the recording. A payment credential may be communicated in response to authenticating the payment authorization information. 1. A computer-implemented method , comprising:receiving, by a payment transaction service provider system comprising one or more computers from a user device, payment authorization information, wherein the payment authorization information comprises a recording;authenticating, by the payment transaction service provider system, the payment authorization information based at least in part on the recording; andcommunicating, by the payment transaction service provider system, a payment credential in response to authenticating the payment authorization information.2. The computer-implemented method of claim 1 , wherein the recording comprises a word or an authorization phrase.3. The computer-implemented method of claim 1 , further comprising:receiving, by the payment transaction service provider system, an indication that a user of the user device is authorized by a merchant to receive a purchasing incentive; andassociating, by the payment transaction service provider system, the purchasing incentive with the payment credential based at least in part on the indication.4. The computer-implemented method of claim 1 , wherein the payment credential comprises at least one of:i) a bank account number;ii) a credit card account number; oriii) a financial services account identifier.5. The computer-implemented method of claim 1 , further comprising:communicating, by the payment transaction service provider system to the user device, an indication of ...

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Номер записи: 86
19-12-2013 дата публикации

SYSTEM AND METHOD FOR FORMLESS, SELF-SERVICE REGISTRATION FOR ACCESS TO FINANCIAL SERVICES

Номер: US20130339242A1
Автор: HOLBROOK Arthur Martin, MCHUGH Wayne Thomas, MISHRA PURNENDU, SALIHU Mohamed Safir
Принадлежит:

A system for enabling users to register to use external financial services comprises a central office comprising an operating platform including a communication interface and a user database having a plurality of records for individual users; wherein the central office communicates via the communication interface with a plurality of remote formless, self-service registration stations; whereby a registration station scans an identification card with a card scanner, photographs the user to create a verification image and records a biometric parameter unique to the user, whereupon the registration station transmits an image of the identification card, the biometric parameter and the verification image to the central office; wherein the operating platform translates text from the identification card and creates a record for the user and wherein the operating platform uses the translated text to populate fields in the user record and retrieves and displays the record to an administrator for review. 1. A method for enabling users to access financial services of subscribing financial services with a central verification system , comprises the steps: the given user presenting, at a fixed location, a verifiable identification (ID) with a photo attached thereto, which verifiable ID can be verified by a third party as being associated with the photograph on the verifiable ID;', 'inputting biometrics of the given user;', 'taking a photograph of the given user proximate to the fixed location at which the verifiable ID and the biometrics are input; and', 'transmitting the verifiable ID, biometrics and photograph to the central verification system;', 'providing a unique code from the central verification system to the given user after receipt of the verifiable ID, the input biometrics and the photograph;, 'creating a verifiable user profile for a given user by the steps of presenting, at a financial transactions location a list of available financial services to the given user in ...

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Номер записи: 87
19-12-2013 дата публикации

OPEN SYSTEM ACCOUNT REMOTE VALIDATION FOR ACCESS

Номер: US20130339243A1
Автор: Dixon Phil, El-Awady Khalid, Hammad Ayman
Принадлежит: VISA U.S.A. INC.

At each of a plurality of point of sale terminals (POS) of a transit system, for each of a plurality of riders, where each rider seeks access into a facility of the transit facility by using a payment device issued by an issuer in a payment system, data is read from the payment device. The data can include an identifier for an account issued by an issuer. For each such access, a communication including the account is addressed to a network address of a system remote from the payment processing system and remote from each of POS terminals. A response to the communication is received that includes information as to the validation of the access based upon the account being on a list keep by remote system. When the received information contains the validation of the access, the rider is permitted access to the facility of the transit system and the payment device is unchanged for the fare of the access to the facility of the transit system. 128-. (canceled)29. A method comprising:reading data at a payment terminal from a portable payment device for a transaction involving access to a facility, wherein the data includes an account identifier of an account associated with an issuer of the portable payment device;communicating the data with an off-line access system at a location different from the payment terminal;receiving, in response, a message indicating whether access to the facility is permitted based on historical data associated with the account identifier stored at the off-line access system, wherein access to the facility is permitted without communicating with the issuer of the portable payment device, and wherein access to the facility is permitted without knowing a value of the transaction at the time of access; andpermitting or denying access to the facility based on the received message.30. The method of wherein if access is permitted claim 29 , the value of the transaction is calculated at a later time by the off-line access system and an online ...

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Номер записи: 88
19-12-2013 дата публикации

METHODS AND SYSTEMS FOR CHECK CASHING RISK ANALYSIS

Номер: US20130339244A1
Автор: DWYER Stuart, HOBART Justin, HOSLER Jason, KIBILDA Kamila, LIN Yachin, LOM Cymbre, TODARO Todd, WU Wenwen, ZHANG Hao, ZHANG Liying
Принадлежит: Certegy Check Services, Inc.

Methods, systems, and computer-readable media are disclosed for generating a score for a check cashing transaction. A method includes receiving from a cashing station, having cashing station data, a transaction request including check data and identity data associated with a user, and determining whether the transaction request represents a first transaction request from the user at that cashing station. If so, an enrollment validation process and identification authentication process are performed; if not, a repeat validation process and check casher identification process are performed. The method includes determining whether there is a match between at least one of check data or identity data and data in a negative file or a knowledge file. The method includes calculating a score for the cashing transaction based at least in part on the check data, cashing station data, identity data, or checks of previously received transaction requests, determining whether the score is above a threshold, and approving the transaction based on the determination. 1. A method for processing check cashing requests , comprising:receiving from a cashing station having associated cashing station data, using at least one processor, a transaction request including check data and identity data associated with a user; if it is determined that the transaction request represents a first transaction request, performing an enrollment validation process and an identification authentication process; and', performing a repeat validation process; and', 'performing a check casher identification process, by retrieving and matching data associated with the user from a database; and, 'if it is determined that the transaction request does not represent a first transaction request], 'determining whether the transaction request represents a first transaction request from the user at the cashing station, comprisingif either of the enrollment validation process or repeat validation process passes, ...

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Номер записи: 89
19-12-2013 дата публикации

UBIQUITOUS PURCHASE PROCUREMENT APPARATUS

Номер: US20130339248A1
Автор: Hubert Thierry Charles, Thompson Charles Todd
Принадлежит:

A system for facilitating paperless gifting and purchasing may include a server having computer implemented instructions stored thereon for performing the operations of receiving a first image, analyzing the first image for suitability as an identifier for a transaction, generating and issuing a validation code, receiving a transaction packet, and storing the transaction packet in association with the first image on the server. The instructions may separately or additionally include receiving a first image and transaction information relating to an attempted purchase, searching the server by comparing the first image to a plurality of images stored on the server, retrieving a transaction packet associated with a matching image, the matching image being identified amongst the plurality of images when the first image matches one of the plurality of images, comparing the transaction information to information in the transaction packet, and selectively approving the purchase based on the comparison. 1. A system for facilitating paperless gifting and purchasing , the system comprising:a server in communication with a network and accessible by one or more computing devices, the server having computer implemented instructions stored thereon for performing the operations of:receiving a first image;analyzing the first image for suitability as an identifier for a transaction;generating and issuing a validation code;receiving a transaction packet; andstoring the transaction packet in association with the first image on the server.2. A system for facilitating paperless purchasing , the system comprising:a server in communication with a network and accessible by one or more computing devices, the server having computer implemented instructions stored thereon for performing the operations of:receiving a first image and transaction information relating to an attempted purchase;searching the server by comparing the first image to a plurality of images stored on the server; ...

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Номер записи: 90
26-12-2013 дата публикации

ELECTRONIC IDENTIFICATION CARD INCLUDING A DISPLAY DEVICE, AND METHOD OF CHECKING COUNTERFEIT/ALTERATION OF AN ELECTRONIC IDENTIFICATION CARD

Номер: US20130341394A1
Автор: Gu Bon-Seog, Seo Hae-Kwan
Принадлежит:

An electronic identification card includes a display device. The display device includes a first memory region configured to store image data about a card holder of the electronic identification card, a second memory region configured to store unique pattern data about a unique pattern that is unique to the electronic identification card, and a display panel configured to display an image of the card holder based on the image data stored in the first memory region, and configured to display the unique pattern based on the unique pattern data stored in the second memory region. 1. An electronic identification card including a display device , the display device comprising:a first memory region configured to store image data about a card holder of the electronic identification card;a second memory region configured to store unique pattern data about a unique pattern that is unique to the electronic identification card; anda display panel configured to display an image of the card holder based on the image data stored in the first memory region and to display the unique pattern based on the unique pattern data stored in the second memory region.2. The electronic identification card of claim 1 , wherein the second memory region includes a one-time programmable (OTP) memory region.3. The electronic identification card of claim 1 , wherein the unique pattern includes a quick response (QR) code claim 1 , a bar code claim 1 , or a color code.4. The electronic identification card of claim 1 , wherein a frame rate for displaying the unique pattern is different from a frame rate for displaying the image of the card holder.5. The electronic identification card of claim 1 , wherein the display device is configured to display the unique pattern in response to a predetermined command.6. The electronic identification card of claim 5 , wherein:the predetermined command includes information about a frame rate for displaying the unique pattern, andthe display device is configured to ...

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Номер записи: 91
26-12-2013 дата публикации

Code reader and method for the online verification of a code

Номер: US20130341397A1
Автор: BURGHARDT Sascha, RINKLIN Dietram, SCHULER Pascal
Принадлежит:

A code reader () having an image sensor () for the generation of images of a detection zone () resolved into pixels is provided having a decoding unit () in order to identify code regions () in the images and to readout their coded information, as well as having a verification unit () for evaluating the code quality in accordance with predefined criteria. In this connection the verification () is configured to initially generate a normalized verification image of the code from the code regions () by means of image processing for the verification. 110. A code reader () comprising{'b': 20', '12, 'an image sensor () for the generation of images of a detection zone () resolved in pixels,'}{'b': 24', '14', '28, 'a decoding unit () in order to identify code regions () in the images and to read out their coded information, as well as a verification unit () for evaluating the code quality in accordance with predefined criteria,'}{'b': 28', '14, 'wherein the verification unit () is configured to initially generate a normalized verification image of the code from the code regions () by means of image processing for the verification.'}2. A code reader in accordance with claim 1 , wherein said code reader is configured as a camera-based code reader.310. A code reader () in accordance with claim 1 ,wherein the image processing comprises at least one of the following measures on the generation of the normalized verification image: a perspective rectification, a brightness correction, a brightness normalization, a size normalization, a noise suppression and an illumination angle determination.410. A code reader () in accordance with claim 1 ,{'b': 28', '34', '12', '32, 'wherein the verification unit () is configured to rectify image regions with the aid of a perspective transformation (M) which transforms geometries at the object plane () in the detection zone () into geometries of the image plane ().'}510. A code reader () in accordance with claim 1 ,{'b': 28', '34', '12', '32, ' ...

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Номер записи: 92
26-12-2013 дата публикации

Credit instrument and system providing multiple services including access to credit services and access to a service provider club

Номер: US20130346289A1
Автор: BOYLE Kevin, Maistre Marty
Принадлежит: JPMORGAN CHASE BANK, N.A.

An apparatus and methods for a card that allows a cardholder to set up auto-charge payment of dues and fees to a series of clubs, merchants or service providers. The card also may be used for other transactions that accept credit cards. The apparatus includes a database containing information of the associated clubs, merchants and service providers, so that applicants and cardholders can easily configure auto-charging for multiple business concerns in one sitting. The apparatus may process auto-charge transactions in an automated fashion without requiring a cardholder to submit payment authorization or the business concern to submit a charge for each payment. Inconvenience and administrative costs to the cardholder and the business concern are reduced. The system and method provide a competitive advantage to the associated business concerns to secure the initial account and then to maintain it. The system and method encourages card loyalty of both the card members and the business concerns to the card provider. 18-. (canceled)9. A computer-implemented method for providing a multiple service card , the method comprising the steps of: credit card application data, and', 'service partner data related at least in part to membership in a service partner club;, 'receiving, at a service partner system, application data for a multiple service card from an applicant, said application data comprising evaluating if applicant should be granted membership into the service partner club, and', 'evaluating creditworthiness of the applicant;, 'determining, using at least one processor, whether the multiple service card should be provided by causing at least the following to be performedupdating one or more databases with a portion of the application data based on the determining step, the one or more databases storing account data and service partner data; andproviding the multiple service card to the applicant.10. The computer-implemented method of claim 9 , wherein said step to ...

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Номер записи: 93
02-01-2014 дата публикации

Apparatus for forming and reading an identification feature and method thereof

Номер: US20140001261A1
Автор: Adrian Paul Burden, Jeck Slew Mel Ng, Peter Malcolm Moran, Stefano Bittante, Winston Cheng Lock Tan
Принадлежит: Bilcare Technologies Singapore Pte Ltd

Embodiments of the invention provide a method of reading and verifying a tag based on inherent disorder during a manufacturing process. The method includes using a first reader to take a first reading of an inherent disorder feature of the tag, and using a second reader to take a second reading of the inherent disorder feature of the tag. The method further includes matching the first reading with the second reading, and determining one or more acceptance criteria, wherein at least one of the acceptance criteria is based on whether the first reading and the second reading match within a predetermined threshold. If the acceptance criteria are met, then the tag is accepted, and a fingerprint for the tag is recorded. The invention further provides a method of testing and characterizing a reader of inherent disorder tags during a manufacturing process. The method includes taking a reading of a known inherent disorder tag, using the reading to measure a characteristic of the reader, and storing the measured characteristic for use when reading inherent disorder tags.

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Номер записи: 94
02-01-2014 дата публикации

MOBILE TERMINAL AND CONTROLLING METHOD THEREOF

Номер: US20140006285A1
Автор: CHI Jumin, Cho Myeonghwan, KIM Bohee
Принадлежит: LG ELECTRONICS INC.

A mobile terminal and controlling method thereof are disclosed, which facilitates a terminal to be used in further consideration of user's convenience. The present invention includes externally receiving a request for a payment in a state of a locked screen of a display unit using short range communication, outputting a payment related information on the requested payment and a screen unlock means, and if the locked screen is unlocked via the screen unlock means, authorizing the requested payment. According to at least one of embodiments of the present invention, even if a display is turned off, a payment service can be available quickly and conveniently using NFC (near field communication) function. 1. A mobile terminal comprising:a short range communication unit;a display unit;a user input unit; anda controller, if a payment request is externally received via the short range communication unit in a state of a locked screen of the display unit, outputting a payment related information and a screen unlock means to the locked screen, the controller, if the locked screen is unlocked via the screen unlock means, authorizing the payment request.2. The mobile terminal of claim 1 , wherein the controller further controls the payment related information on the authorized payment to be outputted to the display unit.3. The mobile terminal of claim 1 , wherein if a plurality of pay means exist claim 1 , the controller outputs a plurality of screen unlock means matching a plurality of the pay means for the requested payment claim 1 , respectively.4. The mobile terminal of claim 3 , wherein if the locked screen is unlocked via one of a plurality of the screen unlock means claim 3 , the controller authorizes the payment using the pay means matching the screen unlock means used to unlock the locked screen.5. The mobile terminal of claim 1 , the locked screen unlock means comprising:a prescribed path; andan object movable within the path,{'sup': st', 'nd, 'wherein if the object is ...

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Номер записи: 95
09-01-2014 дата публикации

SYSTEMS AND METHODS FOR ANTI-COUNTERFEIT AUTHENTICATION THROUGH COMMUNICATION NETWORKS

Номер: US20140008429A1
Автор: LIU Chen, LIU Keli, Wang JueXin, Wang Lei, Wang Yuebiao, Xiao Yunnan
Принадлежит: NAME Technology, Inc.

An anti-counterfeit authentication system provides authentication services over available communication networks. The system assigns unique anti-counterfeit certificates to authentic items. The certificates are stored in anti-counterfeit tags that are attached to the authentic items. An authentication server provides authentication services to authentication clients over the communication networks. The authentication clients read, via tag readers, the anti-counterfeit certificates from the tags associated with items to be authenticated, provide the anti-counterfeit certificates to the authentication server which determines authenticity and supplies authentication results back to the authentication clients. 1. A communication network based anti-counterfeit authentication system , comprising:a an anti-counterfeit certificate generator for generating a digital anti-counterfeit certificate having an encrypted code corresponding to an authentic item;an anti-counterfeit tag storing the anti-counterfeit certificate, the anti-counterfeit certificate;an authentication server configured to receive an authentication request through a communication network, conduct authentication of the authentication request, and provide an indication of the conducted authentication; andan authentication client configured to originate the authentication request, the authentication request including at least some of the contents of the anti-counterfeit tag, the authentication client further configured to transmit the authentication request through the communication network to the authentication server, receive the indication of the conducted authentication from the authentication server through the communication network, and supply the indication of the conducted authentication to a user of the anti-counterfeit authentication system.2. The anti-counterfeit authentication system of claim 1 , further comprising an anti-counterfeit tag reader configured to read the contents of the anti-counterfeit ...

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Номер записи: 96
09-01-2014 дата публикации

SECURE AND EFFICIENT PAYMENT PROCESSING SYSTEM

Номер: US20140012759A1
Автор: Balasubramanian Chandra S., III Michael A., Keresman, Sherwin Francis M.
Принадлежит: CardinalCommerce Corporation

A method is provided for carrying out commercial transactions. The method includes the steps of: establishing a transaction processing system on an electronic communications network; establishing an account within the transaction processing system for a corresponding account holder; obtaining from the account holder a session description of acceptable future commercial transactions related to the account; administering commercial transactions carried out via the transaction processing system; and, verifying that administered commercial transactions related to the account meet one or more of the session description. 1registering one or more account holders, said registering generating account holder records for the account holders registered;receiving a purchase request of a buyer from a merchant over the Internet indicating that the buyer desires to carry out a transaction with the merchant, said transaction including the buyer purchasing one or more selected items;receiving over the Internet transaction details from the merchant, said transaction details including a cost for the purchase;comparing a provided authentication data to data in the account holder records, said provided authentication data including at least one of a user name, a password, a personal identification number and a dynamically changing non-predictable code, wherein the buyer is identified as an account holder when there is a sufficient match resulting from the comparison, and the buyer is not identified as an account holder when there is no sufficient match resulting from the comparison;authorizing completion of the transaction when the buyer is identified as an account holder and establishing an authorization determination for the transaction in accordance with said authorizing, wherein said authorizing includes:transmitting the transaction details over the Internet to a funding source which determines if the identified account holder has sufficient funds on deposit with the funding source ...

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Номер записи: 97
16-01-2014 дата публикации

Apparatus for forming and reading an identification feature and method thereof

Номер: US20140014715A1
Автор: Adrian Paul Burden, Narayan Numbudiri, Peter Malcolm Moran, Satya Prakash Sharma, Winston Cheng Lock Tan
Принадлежит: Bilcare Technologies Singapore Pte Ltd

The present invention refers to an apparatus for forming and reading an identification feature on or in an object. The apparatus comprises a formation unit for physically forming an identification feature on or in an object, at least one reading unit adapted to read the identification feature to form a signature, and a housing, wherein the formation unit and the at least one reading unit are both contained in the housing. The at least one reading unit can comprise at least two reading elements. The identification feature can comprise an identification feature based on inherent disorder. The invention also refers to a method of forming and reading an identification feature on or in an object.

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Номер записи: 98
16-01-2014 дата публикации

PROCESSING SERVER AND TRANSFER MANAGEMENT METHOD

Номер: US20140014721A1
Автор: ITOU Eiji, OSAWA Kohei, SATO Tadahiko, SHIMA Taira, WAJIMA Shoji, YAMAMOTO Nobutaka
Принадлежит: FUJITSU LIMITED

In a server; a ticket allotting unit generates, in response to a first request from a first user, first-type image code and stores the first-type information in a management database (DB) in a manner corresponding to a second user. Moreover, in response to a second request from the first user, generates second-type image code which is different from the first-type image code and stores the second-type image code in the management DB in a manner corresponding to a third user. Then, for example, a QR returning unit invalidates the first-type information stored in the management DB and validates the second-type information stored in the management DB. Then, a QR displaying unit sends the second-type image code to the third user. 1. A computer-readable non-transitory medium storing therein a transfer managing program that causes a computer to execute a process comprising:generating, in response to a first request from a first user, first image codestoring the first image code in a memory in a manner corresponding to a second user;generating, in response to a second request from the first user, second image code which is different from the first image codestoring the second image code in the memory in a manner corresponding to a third user;controlling, in response to a third request from the first user that requires invalidating the first image code and validating the second image code; andsending the second image code to the third user.2. The computer-readable non-transitory medium according to claim 1 , wherein the sending includes sending the second image code to the third user claim 1 , when the first image code is invalidated and when the second image code is validated.3. The computer-readable non-transitory medium according to claim 1 , whereinthe sending includes sending the second image code to the third user without determining whether the first image code is invalidated and whether the second image code is validated.4. The computer-readable non-transitory ...

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Номер записи: 99
16-01-2014 дата публикации

SYSTEM AND METHOD FOR PREVENTING CASHIER AND CUSTOMER FRAUD AT RETAIL CHECKOUT

Номер: US20140014722A1
Автор: Beghtol Justin, Goncalves Luis, Gremmer Isaac, Ostrowski Jim
Принадлежит: Datalogic ADC, Inc.

Systems and methods for preventing fraud during retail checkout are described. A system includes: item identifier acquisition devices to acquire identifiers (e.g., barcodes) of items to be transacted; cameras or imagers to acquire images of the items to be transacted; an object recognition component to perform visual recognition of the acquired items through comparison of the acquired images of the items with a database and obtain identifiers of items represented in the database that correspond to an acquired image according to a correspondence criterion; a comparison component to compare a set of identifiers acquired through the item identifier acquisition devices with a set of identifiers obtained through the object recognition component; and an alerting component to provide an alert in case of discrepancies between the two sets. 149-. (canceled)50. A method for detecting discrepancies between first and second sets of merchandise identifiers that correspond to merchandise items to be identified in a retail checkout transaction , the method comprising:acquiring encoded information from optical codes borne by at least some of the merchandise items to be identified in the retail checkout transaction, the encoded information corresponding to a first set of merchandise identifiers;acquiring images of at least some of the merchandise items to be identified in the retail checkout transaction to obtain scale-invariant visual feature data based on visual appearance of the at least some of the merchandise items;comparing the scale-invariant visual feature data with a database of stored scale-invariant visual feature data corresponding to known merchandise items to obtain a second set of merchandise identifiers;detecting differences between the first and second sets of merchandise identifiers by comparing presence or absence of merchandise identifiers of the first set of merchandise identifiers with the presence or absence of merchandise identifiers of the second set of ...

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Номер записи: 100