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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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Применить Всего найдено 12299. Отображено 100.
14-09-2018 дата публикации

Устройство для приёма вторсырья

Номер: RU0000183256U1
Автор: Арсений Анатольевич Козлов, Елена Михайловна Феофилактова
Принадлежит: Общество с ограниченной ответственностью "Альтернатива"

Настоящая полезная модель относится к устройству для приема вторсырья и предназначена для приема и сортировки упаковок и тары, изготовленных из полимерных, алюминиевых, стеклянных, бумажных и Тетра Пак материалов. Технической задачей, решаемой в предлагаемом устройстве, является расширение возможности устройства и упрощение конструкции. Для этого устройство для приема вторсырья содержит окно приема, подвижную заслонку с приводом, датчик веса вторсырья. Окно приема дополнительно снабжено сканером штрих-кода. Датчик веса вторсырья выполнен в виде тензометрического датчика, установленного на подвижной заслонке. Устройство для приема вторсырья дополнительно снабжено устройством сортировки, выполненным в виде емкостей и подвижной направляющей, снабженной приводом. Каждая емкость установлена на консольном элементе, снабженном тензометрическим датчиком веса. Устройство снабжено принтером и ЭВМ. ЭВМ связано со сканером, датчиками веса, приводами и принтером. 1 ил. РОССИЙСКАЯ ФЕДЕРАЦИЯ (19) RU (11) (13) 183 256 U1 (51) МПК G07F 7/06 (2006.01) ФЕДЕРАЛЬНАЯ СЛУЖБА ПО ИНТЕЛЛЕКТУАЛЬНОЙ СОБСТВЕННОСТИ (12) ОПИСАНИЕ ПОЛЕЗНОЙ МОДЕЛИ К ПАТЕНТУ (52) СПК G07F 7/06 (2006.01) (21)(22) Заявка: 2018110899, 27.03.2018 (24) Дата начала отсчета срока действия патента: (73) Патентообладатель(и): ОБЩЕСТВО С ОГРАНИЧЕННОЙ ОТВЕТСТВЕННОСТЬЮ "АЛЬТЕРНАТИВА" (RU) Дата регистрации: 14.09.2018 (56) Список документов, цитированных в отчете о поиске: RU 2363052 C2, 27.07.2009. RU (45) Опубликовано: 14.09.2018 Бюл. № 26 2639065 A1, 19.12.2017. US 5465822 A1, 14.11.1995. 1 8 3 2 5 6 R U (54) УСТРОЙСТВО ДЛЯ ПРИЁМА ВТОРСЫРЬЯ (57) Реферат: Настоящая полезная модель относится к устройству для приема вторсырья и предназначена для приема и сортировки упаковок и тары, изготовленных из полимерных, алюминиевых, стеклянных, бумажных и Тетра Пак материалов. Технической задачей, решаемой в предлагаемом устройстве, является расширение возможности устройства и упрощение конструкции. Для этого устройство для приема ...

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Номер записи: 1
26-11-2019 дата публикации

Автомат по приему тары

Номер: RU0000194047U1
Автор: Виктор Александрович Селянин, Игорь Александрович Васильев
Принадлежит: Виктор Александрович Селянин, Игорь Александрович Васильев

Полезная модель относится к устройствам для приема широкого ассортимента тары, а именно, пластмассовых бутылок, алюминиевой тары, бумажных и пластиковых стаканов, коррексов, пластиковых упаковок, Татра Пак материалов, мятой тары, тары без штрих-кодов.Технический результат - расширение функциональных возможностей автомата при упрощении его конструкции за счет увеличения ассортимента принимаемой тары, в том числе мятой, тары без штрих-кода и исключения приема заполненной тары, а также повышение производительности и снижение трудоемкости обслуживания в результате уплотнения принятой тары.Технический результат достигается тем, что в автомате по приему тары, содержащем корпус с дисплеем, приемный лоток, центральный процессор (ЦП) и отсек хранения тары, согласно формуле полезной модели, ЦП выполнен с возможностью ограничения принимаемой тары по весу, управления механизмом прессования тары и передачи сигнала о необходимости выгрузки спрессованной тары. В корпусе автомата размещен gsm-модуль передачи данных о заполняемости отсека хранения тары, в приемном лотке расположено устройство взвешивания тары, выполненное с возможностью обмена данными с ЦП. При этом приемный лоток снабжен транспортной лентой, выполненной с возможностью прямого и обратного ходов по сигналу ЦП. Под приемным лотком размещен механизм прессования тары с двумя валами, оснащенными колющими элементами, работающий по сигналам ЦП, причем отсек хранения тары снабжен датчиком заполняемости отсека хранения тары, выполненный с возможностью передачи сообщений на ЦП.Автомат позволяет принимать только пустую тару, т.к. взвешивание исключает прием заполненной тары. Если тара превышает допустимый вес, то она с помощью обратного хода транспортной ленты выталкивается из приемного лотка. Небольшое количество жидкостей в таре удаляется при ее уплотнении. Для удаления этой жидкости предусмотрен ее сбор и адсорбция.Уплотнение принятой тары с помощью механизма прессования позволяет продлить период работы автомата без ...

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Номер записи: 2
12-01-2012 дата публикации

Condo Smart Cart System

Номер: US20120006079A1
Автор: Marlena Corbo
Принадлежит: Individual

Condo Smart Cart System is designed for consumers who desire a secure, convenient storing method for carts. Using a key or an identification card, this system will not allow any person besides the owner to access the cart. This product is ideal for storage in apartment or condo parking garages.

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Номер записи: 3
02-02-2012 дата публикации

System and method for immediate issuance of transaction cards

Номер: US20120029999A1
Автор: Jason J. HOGG, Patrick Graf
Принадлежит: Serve Virtual Enterprises Inc

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

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Номер записи: 4
09-02-2012 дата публикации

Printing apparatus

Номер: US20120031968A1
Автор: Jitsui OHSUGI
Принадлежит: Sharp Corp

A charging processing unit calculates a pre-charged amount of money based on print conditions and charges the calculated pre-charged amount of money to a card through a card reader. A job control unit starts a print job to print until a penultimate page, when pre-charging is finished. Further, when an accumulated amount of money is specified by generating image data of the final page and the accumulated amount of money is smaller than the pre-charged amount of money, the printing is stopped before the final page is printed. The charging processing unit causes an UI control unit to display a message requesting to place the card again. When the card is placed in response to the message and pieces of the card information matches each other, a refunding process is carried out. The job control unit restarts printing the final page after a refunding process.

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Номер записи: 5
16-02-2012 дата публикации

Wallet Consolidator to Facilitate a Transaction

Номер: US20120041815A1
Автор: Frank J. Gangi
Принадлежит: E Micro Corp

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

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Номер записи: 6
08-03-2012 дата публикации

Card activated cash dispensing automated banking machine system and method

Номер: US20120055987A1
Автор: Jay Paul Drummond, Mark D. Smith, Natarajan Ramachandran
Принадлежит: Diebold Inc

An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. A user is also enabled to perform at least one banking operation responsive to financial account data communicated to the automated banking machine from a mobile phone.

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Номер записи: 7
15-03-2012 дата публикации

Digital Currency Gift Cards and Their Methods of Production

Номер: US20120066122A1
Автор: Robert H. GOLDBERG
Принадлежит: GMG Lifestyle Entertainment Inc

Gift cards and/or placards as disclosed herein include: a) a card, placard or combination thereof, b) a graphic design related to the use of the card, placard or combination thereof, and c) a designated PIN space on the card, placard or combination thereof. Methods of producing a gift card for use in online environments are also described that includes: a) providing a card, placard or combination thereof that includes a PIN space, b) providing a printing apparatus, c) providing an individual PIN number; and d) using the printing apparatus to print the individual PIN number in the PIN space.

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Номер записи: 8
19-04-2012 дата публикации

Card reader device without

Номер: US20120091200A1
Автор: Jack Dorsey, Jim McKelvey, Sam Wen
Принадлежит: Square Inc

A card reader device is provided that includes a housing having a slot for swiping a magnetic stripe of a financial transaction card to complete a financial transaction between a buyer and seller. A read head is positioned in the housing. The read head reads data stored on the magnetic stripe and produces a signal indicative of data stored on the magnetic stripe. The read head has sufficient impedance to set amplitude of a signal indicative of data stored on the magnetic stripe. An output jack is adapted to be inserted into a microphone input associated with a mobile device for providing the signal indicative of data stored on the magnetic stripe to the mobile device.

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Номер записи: 9
24-05-2012 дата публикации

Card reader with offset read head

Номер: US20120126014A1
Автор: Amish Babu, Elliot John Patrick Sather, Gregory Staples, Jack Dorsey, James M. Mckelvey
Принадлежит: Square Inc

A reader is provided that has a housing with a center point and a read head positioned in the housing. The read head is configured to be coupled to a mobile device. The read head has a slot for swiping a magnetic stripe of a card. The read head reads data on the magnetic stripe and produces a signal indicative of data stored on the magnetic stripe. The read head is positioned to be offset from the center point of the housing. An output jack is adapted to be inserted in a port of the mobile device and deliver an output jack signal to the mobile device.

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Номер записи: 10
21-06-2012 дата публикации

Transaction Card with dynamic CVV

Номер: US20120153028A1
Автор: Amir POZNANSKY, Asher Yahalom
Принадлежит: Individual

The transaction card of the invention comprises a Card Verification Value (CVV) generator unit that generates a new CVV code each time the card user is invited to enter his CVV code, typically in a remote transaction. The CVV code is displayed on a screen on the transaction card. The screen can be a liquid crystal display (LCD) screen or any similar or newer display technology.

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Номер записи: 11
28-06-2012 дата публикации

Object Processing Employing Movement

Номер: US20120163666A1
Автор: Brett A. Bradley, Geoffrey B. Rhoads, Tony F. Rodriguez
Принадлежит: Individual

Directional albedo of a particular article, such as an identity card, is measured and stored. When the article is later presented, it can be confirmed to be the same particular article by re-measuring the albedo function, and checking for correspondence against the earlier-stored data. The re-measuring can be performed through us of a handheld optical device, such as a camera-equipped cell phone. The albedo function can serve as random key data in a variety of cryptographic applications. The function can be changed during the life of the article. A variety of other features are also detailed.

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Номер записи: 12
05-07-2012 дата публикации

Card reader with asymmetric spring

Номер: US20120168505A1
Автор: Amish Babu, Elliot John Patrick Sather, Gregory Staples, Jack Dorsey, James M. Mckelvey
Принадлежит: Square Inc

A card reader is positioned in a housing that has length, height and width dimensions. The read head is configured to be coupled to a mobile device and has a slot for swiping a magnetic stripe of a card. The read head reads data on the magnetic stripe and produces a signal indicative of data stored on the magnetic stripe. The read head has length, height and width edge surfaces. An asymmetric spring is coupled to the read head. The asymmetric spring positions the read head to be offset in the housing with the housing length and height edges being non-symmetrical in respect to the length and height edges of the read head. An output jack is adapted to be inserted in a port of the mobile device and deliver an output jack signal to the mobile device.

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Номер записи: 13
23-08-2012 дата публикации

Authentication and data integrity protection of a token

Номер: US20120213368A1
Автор: Rainer Falk
Принадлежит: SIEMENS AG

In deriving a cryptographic key from the response message in a challenge-response message in a challenge-response authentication, the related response is calculated after receiving a challenge message which has not yet been transferred. A cryptographic key is derived from the response, which is used to determine a cryptographic check sum of data. The cryptographic check sum is transferred in a first time period after receiving the challenge message. The response message is transferred during a later, second time period. The duration of validity of the key derived from the response message ends before the response message is transferred. A theoretical attacker who can overhear and manipulate the communication will not know the response message until a point in time when the cryptographic key which can be derived therefrom is already no longer valid.

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Номер записи: 14
13-09-2012 дата публикации

System and method for using an ordinary article of commerce to access a remote computer

Номер: US20120233174A1
Автор: Frank C. Hudetz, Peter R. Hudetz
Принадлежит: Neomedia Technologies Inc

A system and method for using identification codes found on ordinary articles of commerce to access remote computers on a network. In accordance with one embodiment of the invention, a computer is provided having a database that relates Uniform Product Code (“UPC”) numbers to Internet network addresses (or “URLs”). To access an Internet resource relating to a particular product, a user enters the product's UPC symbol manually, by swiping a bar code reader over the UPC symbol, or via other suitable input means. The database retrieves the URL corresponding to the UPC code. This location information is then used to access the desired resource.

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Номер записи: 15
27-09-2012 дата публикации

Self-serve kiosk with rotatable container carousel

Номер: US20120241464A1
Автор: Joseph L. Adams
Принадлежит: Individual

A dispenser of containers. A carousel is rotatably mounted to a main frame about a vertical axis of rotation and has a plurality of container compartments arranged around the axis and along the length of the axis. A driver mounted to the main frame rotates the carousel around the axis in a single direction and a lock limits rotation of the carousel in any direction when engaged.

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Номер записи: 16
04-10-2012 дата публикации

Cards, devices, systems, and methods for payment functionality selection

Номер: US20120254037A1
Автор: Jeffrey D. Mullen
Принадлежит: Individual

A user is provided with a GUI that may allow the user to change functionality associated with a non-battery-powered card, a battery-powered card, a payment sticker, or another device (e.g., a mobile telephonic device). The GUI may be provided on, for example, a display screen of a device (e.g., mobile telephonic device or tablet computer) as an application for that device. The GUI may be provided by a website so that a user views the GUI from a web-browser. At any time, for example, a user may change additional functionality performed at payment. A user may change the additional functionality for a card or a button of a card. In this manner, a user may change that a button on a powered card performs a check-in operation for a check-in service to receives a coupon, if a coupon is available for that transaction, from the a coupon-service.

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Номер записи: 17
08-11-2012 дата публикации

Read head device with slot configured to reduce torque

Номер: US20120280036A1
Автор: Jim McKelvey
Принадлежит: Square Inc

A read head system has a housing and a read positioned in the housing with a slot for swiping a magnetic stripe of a financial transaction card with the slot utilized to enable a financial transaction between a buyer and seller. The read head reads data on the magnetic stripe and produces a signal indicative of data stored on the magnetic stripe. The read head includes an output jack configured to be coupled to at least one of a audio jack or microphone port of a mobile device. The read head provides the signal to the mobile device.

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Номер записи: 18
15-11-2012 дата публикации

Contactless smartcard bezel

Номер: US20120286044A1
Автор: Evan J. Cost, Peter Bullard, Robert Martin
Принадлежит: MEI Inc

A multi media payment device includes a banknote acceptor and a RF card reader, and also may include a magnetic card reader. A bezel assembly for connection to the bill acceptor preferably includes a reader unit to read magnetic swipe cards and contactless chip cards.

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Номер записи: 19
27-12-2012 дата публикации

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

Номер: US20120330838A1
Автор: Ned Hoffman, Philip Dean Lapsley
Принадлежит: Individual

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

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Номер записи: 20
10-01-2013 дата публикации

Flexible public transportation card with display function

Номер: US20130008967A1
Автор: Chao-Chin Chen
Принадлежит: Anica Corp

A flexible public transportation card with display function is disclosed. The flexible public transportation card with display function comprises a first card body, a second card body and a flexible electronic system. The flexible electronic system is disposed between the first card body and the second card body. The flexible electronic system comprises a flexible display, a display circuit, a communication interface, a power generator and a capacitor. The display circuit is electrically connected to the flexible display. The communication interface receives a wireless signal. The power generator is electrically connected to the display circuit and the communication interface, and generates electricity according to the wireless signal. The capacitor stores the electricity generated by the power generator for providing the display circuit with the stored electricity, such that the flexible display displays a frame. The capacitance of the capacitor ranges between 0.1 and 20 microfarads.

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Номер записи: 21
24-01-2013 дата публикации

Systems and Methods for Monetizing Recyclable Plastics

Номер: US20130024252A1
Автор: Eran Conforty, Jeremy David Sicklick
Принадлежит: Individual

The present invention relates to systems and method for monetization of recyclable plastics. Such systems includes a receptacle for receiving fungitized plastics, such as plastic ingots. The fungitized plastic can have a standardized form with a known value that is readily exchangeable for credit, discounts, or currency. Sensors are capable of identifying the fungitized plastic as substantially comporting to the standardized form, thereby confirming the plastic's composition, and weight/size in order to facilitate sorting and proper crediting for its value. The sensors can also identify fungitized plastics that do not match these standards, which are considered counterfeits and are returned to the user. A sorter collects all the identified fungitized plastic of a particular composition together with other plastic of similar composition. Similarly, a crediting system may reward the user for depositing the identified fungitized plastic. The reward may include printing out promotions or vouchers, credits applied to a debit or credit card via a magnetic card reader, applying credit via a mobile phone application, or an account linked to the user credited with currency or points.

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Номер записи: 22
07-02-2013 дата публикации

Quick response (qr) code generation in vending machines or kiosks for customer engagement

Номер: US20130035787A1
Автор: James M. Canter
Принадлежит: Crane Merchandising Systems Inc

Deeper customer engagement through a vending machine is provided by display of a quick response (QR) code on a customer interface display for the vending machine during a vend transaction. The customer can scan the displayed QR code with a smart phone camera to link to a website containing an advertisement, providing detailed nutritional information for a product available for vending from the vending machine, allowing collection of loyalty points or enabling reporting of a service issue or entry of a customer review.

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Номер записи: 23
28-03-2013 дата публикации

Delivery of information services to personal devices

Номер: US20130080274A1
Автор: Barry Alan Maidment, Fikret Ates, Mehdi Collinge, Sebastien Pochic
Принадлежит: Mastercard International Inc

A transaction processing system for sending user information data to a personal device, and an associated method are provided. The system comprises: a personal device, such as a balance display card; an interface device, such as a card reader for transmitting data to and from the card; a communications network connecting to the interface device; an issuer processor connected to the communications network; and a trusted network processor (TNP) processor connected to the communications network, interposed between the interface device and the issuer processor. The TNP processor is arranged to receive a transaction request message from a card user and to transmit a response message back to the personal device, the response message typically being a transaction authorization together with information for display on the card. The TNP processor is arranged to identify, dependent on properties of the transaction request message, whether the associated response message will require data to be sent to the user information device, and if so identified, to: route the transaction request message to the issuer processor using a standard message; receive the required data from the issuer processor using another standard message; match the received required data to the original request; generate an appropriate response message and script containing the required data; and transmit the response message back to the personal device thereby making the required information known to the user.

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Номер записи: 24
04-04-2013 дата публикации

SYSTEM AND METHOD FOR PROCESSING GIFT CARDS BY INTERCEPTING A PURCHASING TRANSACTION

Номер: US20130085930A1
Автор: DURHAM Ryan C., ISAACSON Thomas M.
Принадлежит: Moneyhoney LLC

Disclosed herein is a method for enabling gift card recipients to redeem gift card amounts using existing payment accounts. A system identifies a giver and recipient of a gift card amount and associated accounts. A policy is established which governs how the gift card is redeemed, such as a specific merchant or item. When a purchase is made using an existing credit/debit card according to the policy, the system intercepts the purchase and causes the gift card amount to be applied from an account other than the recipient account. No special codes, separate physical gift cards, or printable coupons are necessary for redemption. The recipient makes purchases using their normal purchasing credit/debit card via a qualifying purchase according to the policy, and the gift card is applied automatically. The recipient credit/debit card becomes a combination of an open-looped card and a closed-loop card. Thus, no money is wasted or lost. 1. A method comprising:receiving, via a processor, an identification of a giver, a gift, an amount of money to pay for the gift, and a recipient of the gift at a first time, wherein the giver is associated with a giver payment account, comprising a credit payment account or a debit payment account existing prior to the first time, and the recipient is associated with a recipient payment account, comprising a credit payment account or a debit payment account existing prior to the first time, and wherein the giver payment account and the recipient payment account are independent of each other and have no control over each other;associating, via a processor, a policy with the gift, wherein the policy is at least in part giver defined;upon determining, via a processor, that the recipient has initiated, at a second time, which is later than the first time, a qualifying purchase using the recipient payment account according to the policy, intercepting the qualifying purchase; andapplying at least a portion of a payment for the qualifying purchase ...

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Номер записи: 25
25-04-2013 дата публикации

Multi-communication assisted portable terminal

Номер: US20130098987A1
Автор: Antonio Jimenez Alamo
Принадлежит: Intelligent Data SL, Sociedad Anonima Espanola de Tarjetas de Identificacion y Credito

The device of the invention, starting from the conventional structure of these types of terminals, combines a great variety of peripherals therein, which makes it extremely versatile as well as suitable to use by people with physical disabilities, with an ergonomic and strong design that allows multiple transactions possibilities, multiple communication possibilities, emitting voice messages corresponding to transactions carried out, all these with a high brightness screen, a keypad with Braille reliefs and a joystick to operate the device, also having a scanner and an opening mechanism for the printer cover which prevents it from opening accidentally.

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Номер записи: 26
25-04-2013 дата публикации

Spending vehicles for payments

Номер: US20130103586A1
Автор: Robert D. Wilson
Принадлежит: H&R BLOCK TAX SERVICES LLC

A system and method for associating payments with spending vehicles so that an individual who is entitled to receive periodic or special payments such as social security checks receives in place of the payment a spending vehicle such as a discount card, rebate, or coupon for use with purchases of the sponsor's products or services. Sponsors include companies and organizations interested in offering purchase incentives to their customers. An individual who wishes to receive a spending vehicle rather than the regular payment selects the spending vehicle he or she would like to receive. The individual then assigns his or her right to receive the payment to a third party. The third party then arranges to give a spending vehicle to the individual and to transfer the individual's payment to the sponsor of the spending vehicle. The third party may take a portion of the payment as compensation for the service.

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Номер записи: 27
25-04-2013 дата публикации

Secure and portable payment system

Номер: US20130103587A1
Автор: Isaac J. Labaton
Принадлежит: Encotone Ltd

Payment systems are provided that utilize a portable device, and in particular, payment systems that utilize a first portable device that belongs to a seller and a second portable device that belongs to a buyer, but do not utilize a point of sale (POS) device.

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Номер записи: 28
02-05-2013 дата публикации

SPENDING VEHICLES FOR PAYMENTS

Номер: US20130110714A1
Автор: Wilson Robert D.
Принадлежит: H&R BLOCK TAX SERVICES LLC

A system and method for associating payments with spending vehicles so that an individual who is entitled to receive periodic or special payments such as social security checks receives in place of the payment a spending vehicle such as a discount card, rebate, or coupon for use with purchases of the sponsor's products or services. Sponsors include companies and organizations interested in offering purchase incentives to their customers. An individual who wishes to receive a spending vehicle rather than the regular payment selects the spending vehicle he or she would like to receive. The individual then assigns his or her right to receive the payment to a third party. The third party then arranges to give a spending vehicle to the individual and to transfer the individual's payment to the sponsor of the spending vehicle. The third party may take a portion of the payment as compensation for the service. 1. A computerized method comprising the steps of:receiving information indicative of a government payment payable by a government authority to a payee;receiving information indicative of a selection by the payee to associate at least a portion of the government payment with a spending vehicle;receiving information indicative of an assignment of right from the payee entitling a third-party payor to retain at least a portion of the associated government payment;determining, via a processor, a load amount to be loaded on to the spending vehicle, with the load amount based on the portion of the government payment assigned to the third-party payor; andcausing, via a processor, the spending vehicle to be loaded with the load amount.2. The method of claim 1 , wherein upon loading claim 1 , the funds corresponding to the load amount are immediately accessible by the payee.3. The method of claim 1 , wherein the loading of the load amount on the spending vehicle is not subject to a loan agreement pursuant to regulatory banking laws between the payee and the third-party payor.4. ...

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Номер записи: 29
09-05-2013 дата публикации

Metrics systems and methods for token transactions

Номер: US20130117138A1
Автор: Blake Joseph Wood, Clay Von Mueller, Patrick K. Hazel, Paul Elbridge Cantinella, Scott R. Yale
Принадлежит: Verifone Inc

Systems and methods for monitoring token access transactions are provided. In one embodiment, the invention provides receiving transaction records for a plurality of token transactions, wherein the transaction records include transaction information and infrastructure information; determining whether a reportable event has occurred based on the transaction information with the transaction records; and providing an alert representing the reportable event.

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Номер записи: 30
30-05-2013 дата публикации

Multi-point capacitive information transfer

Номер: US20130135246A1
Автор: Bernard Y. Pucci, Denis Aubert, Joaquin Picon, Vincent Tassy
Принадлежит: International Business Machines Corp

Embodiments of the invention provide devices and systems for the transfer of information using multi-point contact on a capacitive surface. In one embodiment, the invention provides a device comprising: a first surface having a plurality of contact points arranged in a pattern and a second surface having a contact area electrically connected to the plurality of contact points, whereby the plurality of contact points on the first surface is activated by a user contacting the contact area on the second surface.

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Номер записи: 31
06-06-2013 дата публикации

RECEIVING AND DISPENSING UNIT AND SELF-CHECKOUT SYSTEM

Номер: US20130140132A1
Автор: Kawaguchi Yuuki, Matsuhisa Kaoru, Terahara Toshiyasu
Принадлежит: TOSHIBA TEC KABUSHIKI KAISHA

A receiving and dispensing unit and a self-checkout system of an embodiment includes a coin receiving and dispensing device which holds received coins in accordance with the denomination and dispenses the held coins, and a bill receiving and dispensing device which holds received bills in accordance with the denomination and dispenses the held bills. The bill receiving and dispensing device is arranged to overlap the coin receiving and dispensing device in the height direction of the coin receiving and dispensing device. 1. A receiving and dispensing unit comprising:a coin receiving and dispensing device including a coin removing section, the coin receiving and dispensing device holding received coins in accordance with denomination and dispensing the coins to the coin removing section; anda bill receiving and dispensing device including a bill removing section, the bill receiving and dispensing device holding bills in accordance with denomination and dispensing the bills to the bill removing section, whereinthe bill removing section is arranged above the coin removing section.2. A receiving and dispensing unit comprising:a coin receiving and dispensing device including a coin entry slot, the coin receiving and dispensing device holding coins received through the coin entry slot in accordance with denomination and dispensing the coins; anda bill receiving and dispensing device including a bill receiving port, the bill receiving and dispensing device holding bills received through the bill receiving port in accordance with denomination and dispensing the bills, whereinthe bill receiving port is arranged to a left side of the coin entry slot. This application is a Continuation of application Ser. No. 12/873,579 filed on Sep. 1, 2010; the entire contents of which are incorporated herein by reference.This application is based upon and claims the benefit of priority from the prior Japanese Patent Application No. 2009-205003, Sep. 4, 2009 the entire contents of which are ...

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Номер записи: 32
06-06-2013 дата публикации

BILL HANDLING APPARATUS

Номер: US20130140133A1
Автор: AOJI Hirokazu, KANAGAWA Takeshi, MIZUNO Sho, SEGUCHI Masahiro, TANAKA Shuuji, YASUEDA Toru
Принадлежит:

A bill handling apparatus includes: a first loop-like conveying path that includes a bill discriminating unit, is connected to a bill receiving and dispensing port and a temporary storage unit, and connected to a plurality of loading boxes to convey bills; a second conveying path connected to the loading box to convey bills; a first gate that switches a conveying direction of the conveying path that conveys bills; and a controller that controls switching of the first gate and conveyance of the conveying path. The controller controls the bills conveyed to the first conveying path in one of two directions to be conveyed to the loading box through the second conveying path via the first gate, and the bills conveyed from the loading box through the second conveying path to be conveyed to the first conveying path in one of the two directions via the first gate. 2. The bill handling apparatus according to claim 1 ,wherein the bills discriminated to be rejected by the bill discriminating unit are conveyed on the first loop-like conveying path to the second conveying path and conveyed to the reject box via the switching portion.3. The bill handling apparatus according to further comprising another bill storage box connected to the second conveying path and arranged side by side with the loading box.4. The bill handling apparatus according to claim 1 ,wherein the reject box is configured detachably from the bill handing apparatus and arranged under the temporary storage unit.5. The bill handling apparatus according to further comprising a left-behind bill collecting box configured to store bills that a customer forgot to extract claim 4 ,wherein the bills left behind in the bill receiving and dispensing port are transported to the left-behind bill collecting box via the first loop-like conveying path and the second conveying path.6. The bill handling apparatus according to claim 5 ,wherein the reject box is arranged side by side with the loading box.7. The bill handling ...

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Номер записи: 33
20-06-2013 дата публикации

Banking Apparatus Controlled Responsive to Data Bearing Records

Номер: US20130153654A1
Автор: H. Thomas Graef, William D. Beskitt
Принадлежит: Diebold Inc

A banking system is controlled responsive to data read from data bearing records. The banking system includes an automated banking machine. The machine is operable to carry out a financial transaction for a person responsive to a determination that the person is an authorized user of the machine based on correspondence between identifying data read by a reader of the machine and data store information. The machine includes a check acceptor that is operative to receive checks from authorized machine users. The check acceptor is operable to continuously move a received check along its transport path while simultaneously rotationally orienting the check into alignment with the transport path. A check determined not to have at least one property of an acceptable check is returned to the machine user. Acceptable checks are processed and stored in the machine.

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Номер записи: 34
20-06-2013 дата публикации

METHOD FOR PERSONALIZING AN AUTHENTICATION TOKEN

Номер: US20130159716A1
Автор: Buck Peter, Newport Peter
Принадлежит: PRISM TECHNOLOGIES LLC

An authentication token using a smart card that an organisation would issue to its customer, the smart card having a processor for executing a software application that is responsive to a user input to generate a one-time password as an output. The smart card co-operates with an interface device for inputting the user input and displaying the one-time password. The authentication token may be used in combination with a remote authentication server for validation of the password and hence authentication of the user. 1requesting from the authentication token, by a personalization device in communication with the authentication token, a serial number of the authentication token;establishing an encrypted session between the authentication token and the personalization device upon receipt of the serial number;sending, by the personalization device to the authentication token, an initial seed value and an initial secret key responsive to authentication of the serial number;storing, by the personalization device, the initial seed value and the initial secret key; and,transferring, by the personalization device to the authentication token, the initial seed value and the initial secret key used by the authentication token to generate the secure password.. A method for personalizing an authentication token responsive to a user input from an authentication token interface device to generate a secure password comprising: The present application is a continuation of U.S. application Ser. No. 12/978,754, filed Dec. 27, 2010 (U.S. Pat. No. 8,375,212); which is a divisional of U.S. application Ser. No. 10/176,974, filed Jun. 20, 2002 (U.S. Pat. No. 7,865,738); which claims priority to Great Britain Patent Application No. 0210692.0, filed May 10, 2002; all of which are incorporated by reference herein.1. Field of the InventionThe present invention relates to an authentication token using a smart card.2. Description of the Prior ArtThere are a variety of technologies available to ...

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Номер записи: 35
27-06-2013 дата публикации

SYSTEM AND METHOD FOR PROCESSING GIFT CARDS WHICH HIDE SOME GIFT CARD DATA

Номер: US20130166445A1
Автор: ALLCOCK Mike, DURHAM Ryan C., ISAACSON Thomas M.
Принадлежит: GiftYa LLC

Disclosed herein is a method for enabling gift card recipients to redeem gift card amounts using existing payment accounts. A method identifies a giver and recipient of a gift card amount and associated accounts. A policy is established which governs how the gift card is redeemed, such as a specific merchant or item. A notification is sent to the recipient that hides a parameter of the policy. When the recipient takes an action associated with the parameter, the parameter is revealed to the recipient. The recipient makes purchases using their normal purchasing credit/debit card via a qualifying purchase according to the policy, and the gift card is applied automatically. 1. A method comprising:receiving, at a first time, an identification of a giver, a gift, an amount of money to pay for the gift, and a recipient of the gift, wherein the giver is associated with a giver payment account, comprising a credit payment account or a debit payment account existing prior to the first time, and the recipient is associated with a recipient payment account, comprising a credit payment account or a debit payment account existing prior to the first time, and wherein the giver payment account and the recipient payment account are independent of each other and have no control over each other;associating a policy with the gift, wherein the policy has a plurality of parameters;transmitting a first notification of the gift to the recipient in which a parameter associated with the policy is not included in the notification;monitoring, according to the policy, data associated with the recipient and the parameter at a second time, which is later than the first time, to yield a match;transmitting a second notification to the recipient identifying the parameter;monitoring purchases using the recipient payment account and associated with the parameter to yield purchasing information;based on the purchasing information, determining, via a processor, whether the recipient has made a ...

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Номер записи: 36
04-07-2013 дата публикации

Bank card and response process to a transaction request

Номер: US20130173405A1
Автор: Herve Gouessant
Принадлежит: Oberthur Technologies SA

The invention relates to a bank card ( 100 ) comprising a presentation surface of a pictogram ( 120 ) coding at least one item of information for executing a transaction.

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Номер записи: 37
04-07-2013 дата публикации

System for secure payment over a wireless communication network

Номер: US20130173475A1
Автор: Stefan Lund
Принадлежит: IZETTLE MERCHANT SERVICES AB

A method of conducting secure electronic credit payments to a payment acquirer using a credit payment unit, comprising of a smart card, a portable card reader device and a mobile phone, and a payment server. The method is based on using a unique reader key in the card reader device to encrypt all the sensitive smart card information communicated to the payment server, and thus being able to use an unsecure mobile phone to communicate with the payment server. The payment server then completes the transaction with the payment acquirer over a secure line.

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Номер записи: 38
11-07-2013 дата публикации

System and method for an authenticating and encrypting card reader

Номер: US20130179351A1
Автор: George Wallner
Принадлежит: Individual

A system for encrypting and authenticating a payment transaction includes a card reader, a computing device, a card swipe application and a checkout application. The card reader includes a reader head, a secure microcontroller, and an interface. The reader head reads payment card data from a payment card. The secure microcontroller stores a unique reader identification (reader ID), and at least a first encryption key, and includes a payment card decoder application and an encryption application. The encryption application encrypts the payment card data and produces encrypted payment card data. The encryption application further encrypts the transaction data with the first encryption key and produces encrypted transaction data. The checkout application receives the encrypted payment card data and the encrypted transaction data and forwards them to a payment server for processing of the payment transaction.

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Номер записи: 39
18-07-2013 дата публикации

Digital media rental and return kiosk having a three-position lockable gate mechanism and methods of operating a digital media rental and return kiosk

Номер: US20130184856A1
Автор: Dave Gregerson
Принадлежит: Individual

A digital media rental and return kiosk includes a store arranged to store physical digital media items. The kiosk further includes a user interface (i) having a dispense and return slot, and (ii) arranged to enable a customer to interact with the kiosk to either rent a digital media item or return a digital media item through the slot. The kiosk also includes a delivery system arranged to (i) transport a digital media item to be rented from the store to the slot, and (ii) transport a digital media item to be returned from the slot to the store. The kiosk further includes a gate mechanism including a gate which is (i) movable from a closed position to a first opened position to allow a digital media item to be rented to be dispensed through the slot to a customer, and (ii) movable from the closed position to a second opened position which is different from the first opened position to allow a digital media item to be returned to be inserted through the slot by the customer.

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Номер записи: 40
01-08-2013 дата публикации

Transferring awards via optical machine readable data representation images

Номер: US20130196750A1
Автор: Alfred Thomas, Damon E. Gura, James M. Rasmussen, Mark B. Gagner, Timothy C. Loose, Victor T. Shi
Принадлежит: WMS Gaming Inc

Club cards and tickets can be eliminated by providing an application that allows a player's mobile phone to process an image of an optical machine-readable representation of data. At the end of a wagering session on a WGM, the WGM can display a barcode representing a player's winnings, an achievement, game status, etc. The player takes a picture of the barcode with his or her mobile phone. The application on the phone processes the barcode image and automatically updates an account of the player in accordance with the data represented or carried by the barcode. For instance, the mobile phone sends a request to a wagering account server to electronically deposit the winnings, as represented by the barcode, in a wagering account associated with the player's club profile.

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Номер записи: 41
08-08-2013 дата публикации

Controlled access structure for the provision of bottled products

Номер: US20130200014A1
Автор: Nicolas Canete Schlatter
Принадлежит: Individual

This structure is partially open and its inner recess forms a housing capable of housing a bottle ( 10 ) by a controlled loading and unloading opening ( 2 a ). Control is attained by a locking device ( 3 ) with a neck clamp ( 5 ) which fastening means ( 4 ) face each other by a binding lock ( 3 c ) which keeps them assembled, thus compensating the effect of certain spring means ( 4 b ) that tend to separate them till reaching the disassembly position of the above mentioned clamp ( 5 ). By the control circuit ( 12 ) the locking device ( 3 ) is operated and the binding lock ( 3 c ) allows opening the fastening means ( 4 ), disassembling the clamp ( 5 ) and releasing the neck ( 10 a ) of the bottle ( 10 ) that can be removed from the housing ( 2 ).

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Номер записи: 42
15-08-2013 дата публикации

Using credit card/bank rails to access a user's account at a pos

Номер: US20130211937A1
Автор: David Eaton, Marc Elbirt
Принадлежит: Individual

A payment provider card can be used on any credit card or bank network in order to access the user's payment provider account at the POS of non-payment provider integrated merchants. The consumer may swipe or have the card read through NFC or other means, at the POS, where the information contained in the card is communicated to the payment provider through a credit card or bank card network or rails that is already part of the merchant payment network.

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Номер записи: 43
19-09-2013 дата публикации

Apparatus, method, and computer program product for recovering torn smart payment device transactions

Номер: US20130246269A1
Автор: David A. Roberts, Duncan Garrett, Eddy L. H. Van de Velde
Принадлежит: Mastercard International Inc

A first command is sent from a payment terminal assembly to a payment device with an on-device balance to compute a cryptogram to complete a putative transaction. It is detected that the cryptogram is not received as expected. In response, an identifier of the payment device and transaction recovery data associated with the putative transaction are stored in a storage area of a terminal memory of the payment terminal assembly. The payment terminal assembly obtains the identifier of the payment device, upon re-presentation of the payment device. Upon such re-presentation, the payment terminal assembly compares the obtained identifier of the payment device to contents of the storage area. Conditioned at least upon the comparing yielding a match, a second command is sent from the payment terminal assembly to the payment device to instruct the payment device to re-produce the cryptogram to complete the putative transaction.

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Номер записи: 44
26-09-2013 дата публикации

System and Method for Processing Expiration Dates for Prepaid Cards

Номер: US20130254105A1
Автор: Monk Justin T.
Принадлежит:

A prepaid card processing system is operable for processing customized expiration dates of prepaid cards. The prepaid card processing system includes a database for storing program expiration parameters associated with an issuer prepaid card program; a set of card accounts created under the issuer prepaid card program, wherein each card account has an expiration date for a prepaid card associated with the card account; and one or more customized expiration parameters for the set of card accounts. The prepaid card processing system is operable to determine the expiration date for the prepaid card associated with the card account based on the program expiration parameters and the customized expiration parameters for the set of card accounts. 125-. (canceled)26. A processor-implemented method for establishing expiration dates of prepaid cards , comprising:transmitting prepaid card order data including at least customized expiration parameters to update initial program expiration parameters;receiving at least one prepaid card program card account file corresponding to one prepaid card with an expiration date determined based on the customized expiration parameters for processing and acceptance; andproviding the prepaid card to a customer when the card account file is accepted.27. The method of claim 26 , wherein the prepaid card order data include at least one order for one or more of first issued card claim 26 , replacement card claim 26 , or re-issued prepaid card.28. The method of claim 26 , wherein the program expiration parameters include at least custom acceptance parameters that indicate whether one or more customized expiration parameters are accepted.29. The method of claim 28 , wherein the custom acceptance parameters include at least one or more of program custom expiration parameter claim 28 , card replacement expiration parameter claim 28 , grace period expiration parameter and auto re-issuance expiration parameter.30. The method of claim 26 , wherein a ...

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Номер записи: 45
26-09-2013 дата публикации

Decoding system coupled to a payment system that includes a cryptographic key

Номер: US20130254118A1
Автор: Brian Grassadonia, Jack Dorsey, James M. Mckelvey, William Henderson, Xuancong Wen
Принадлежит: Square Inc

A decoding system includes a decoding engine running on a mobile device that decodes signals produced from a read of a first party's financial transaction card. The decoding engine accepts and initializes incoming signals from a read of the first party's financial transaction card until the signals reach a steady state, detects the read once the incoming signals are in a steady state, identifies peaks in the incoming signals and digitizes the identified peaks in the incoming signals into bits. A transaction engine runs on the mobile device and is coupled to the decoding engine. The transaction engine receives as its input decoded first party's financial transaction card information from the decoding engine, and serves as an intermediary between the first party and a second party, so that the first party does not have to share his/her financial transaction card information with the second party.

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Номер записи: 46
10-10-2013 дата публикации

Housing for adapting mobile electronic device for payment system

Номер: US20130264234A1
Автор: Israel Y. COHEN
Принадлежит: Square Inc

A housing for a mobile electronic device that houses both the mobile electronic device and an attached payment accessory. The section of the housing that houses the mobile electronic device secures the payment accessory in place while allowing access to the mobile electronic device's screen, buttons, and other inputs and outputs. The section of the housing that houses the payment accessory attached to the mobile electronic device allows access to the payment accessory's payment capabilities from beyond the housing.

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Номер записи: 47
10-10-2013 дата публикации

Method and system for determining support for a memory card

Номер: US20130268815A1
Автор: Herbert Anthony Little, Neil Patrick Adams
Принадлежит: Research in Motion Ltd

Embodiments related to methods and systems for determining support for a memory card, where the memory card is accessible to a card reader and the card reader is in communication with an accessing device. One embodiment comprises transmitting a first test command to the memory card, receiving a response to the first test command, and determining that the response to the first test command indicates that a card type is not supported by a plurality of card drivers. In response to said determining, at least one additional test command specific to a card type supported by a selected card driver is automatically transmitted, and if the response is successful, the selected card driver, which was previously determined not to support the card type of the memory card, is indicated to support the card type of the memory card.

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Номер записи: 48
07-11-2013 дата публикации

Mobile Transaction network using a prepaid VTN card

Номер: US20130297502A1
Автор: OJO PETER IYIOLA
Принадлежит:

A method of storing money on VTN prepaid card purchased at agent location and transferring the money using a hybrid VTN mobile and internet procedure to the recipient. 1. A method of transferring money stored on VTN prepaid card using any mobile device with internet browsing or capability to run VTN mobile java application.2. The method of claim 1 , wherein the money loaded on the card is converted to electronic form3. The method of claim 1 , wherein the balance on the card is debited and the value is registered on the database.4. The Method of claim 2 , wherein the account number of user claim 2 , phone number and other identifying information such as email is entered into the database and stored along with the balance on card5. The method of claim 4 , wherein the balance stored is stored as credit in the database6. The method of claim 5 , wherein transfer request by customer is transmitted via SMS protocol or internet protocol or USSD protocol to the server along with customer identifying information such as mobile phone number claim 5 , email claim 5 , first name claim 5 , last name claim 5 , mobile number of recipient claim 5 , name of recipient7. The method of claim 6 , wherein the server validate the information transmitted to the server and compare the amount to be transferred with the balance on the account of the sender8. The method of claim 7 , wherein if the amount to be transferred is greater that the balance on the account claim 7 , the transaction is permitted and the amount is debited claim 7 , thereby reducing the customer balance9. The method of claim 8 , wherein the amount debited is credited to the account of the sender in real-time10. The method of claim 9 , wherein the sender is notified via sms and email along with the confirmation number preceding with a number comprising of numbers and alphabets11. The method of claim 9 , wherein the recipient is notified via sms and email along with confirmation numbers comprising of numbers and alphabets ...

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Номер записи: 49
07-11-2013 дата публикации

Server infrastructure for digital plaque displaying certificates, associated documents and current status

Номер: US20130297683A1
Автор: Madhavi Jayanthi
Принадлежит: Individual

A digital plaque that can display one of several stored certificates that can also retrieve updates to a displayed certificate when needed. The digital plaque is used to display a certificate and associated information. Typically the certificate displayed is one of an award, a recognition, a score card, a picture, a transcript, a document, a sales deed, a ticket, a poster, a document cover, a book cover, a patent application, a granted patent and a graduation record. A collection of such certificates is stored in memory and displayed when selected by a user. Status information and supporting documents associated with the selected certificate can be retrieved from a remote server and portions of the retrieved information can be displayed.

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Номер записи: 50
14-11-2013 дата публикации

System for communicating in a contact-less manner, and corresponding removable chip card, terminal and method

Номер: US20130303086A1
Автор: Gilles Chene, Olivier Guichard
Принадлежит: GEMALTO SA

A system for communicating via contact-less chip with an external contact-less communicating device comprises a removable chip card, a contact-less communicating chip and a terminal. The contact-less chip is carried by a flexible medium. A chip of the card is coupled, via a card connector, to the contact-less communicating chip, and a microprocessor of the terminal. The card chip is configured to act as an intermediary entity between the contact-less communicating chip and the terminal microprocessor. A card chip microprocessor exchanges data with the contact-less chip by using a first data communication protocol. The card chip microprocessor exchanges data with the terminal microprocessor by using a second data communication protocol. The terminal microprocessor is configured to send, through the card chip, to the contact-less communicating chip, data that is previously encapsulated within first communication protocol data that is itself encapsulated within second communication protocol data.

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Номер записи: 51
28-11-2013 дата публикации

System and method for processing checks and check transactions with thresholds for adjustments to ach transactions

Номер: US20130315467A1
Автор: Kari B. Hawkins
Принадлежит: Individual

A system and method of processing paper checks that divides into two independent paths the processing of a data file representing a check and the digital image of the check. The data files and image files are separated both in time and in space, with the data files being used to promptly initiate the transfer of funds to and from appropriate accounts, while the paper checks, at a remote location and typically lagging in time, are scanned to create digital image files and deposited as an image or substitute check if deemed ACH ineligible. The method provides for the comparison of data files to image files, based on MICR information, to find any unmatching or mismatched items for exception processing and a process to manage ACH-ineligible items as an image or substitute check. The system and method further provides for sorting exceptions according to transaction type (ACH eligible versus ACH-ineligible) and prioritizing the further processing of the exceptions based on transaction type.

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Номер записи: 52
28-11-2013 дата публикации

System and method for communicating purchases related to a gift card credit

Номер: US20130317926A1
Автор: Christian Hansson, David Leeds, Jacob Waechter
Принадлежит: TANGO CARD Inc

A method and system are provided for communicating digitized data associated with a purchase made by expenditure of a monetary credit account, such as a gift card account. The digitized data may be or comprise audio, photographic or video data. A gift card may be provided that relates to a monetary credit account that may specify an expendable monetary value, a benefactor who initiated the account, and a beneficiary who may use the monetary card. The gift card may record of at least part of the monetary credit account. The system may enable the generation of an electronic message that includes digitized data representing a purchased item and the message may be communicated to a photo-sharing webservice and/or an address associated with the benefactor. The digitized data may be a photograph, icon or a graphic image and the purchased item may be a service, good, license, lease, rent, or permission.

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Номер записи: 53
19-12-2013 дата публикации

Campaign reward system with targeting of users for offers

Номер: US20130339143A1
Автор: Gary Dahl, KR Prasad, Leonid Kontsevich, Seb Kiureghian, Youri Drozd
Принадлежит: Envizio Inc

A campaign offer system provides an offer with the use of a mobile device. A service provider includes one or more servers with engines and attached storage. The service provider is configured to be in communication with a mobile application running on a user mobile device of a user. The service provider is in communication with an advertiser and a retailer. A retailer gateway communicates with a retailer checkout system via existing retailer checkout system peripheral device communication protocols without a need to modify the communications protocols or modify a retailer checkout system software code. An advertiser creates an offer campaign with details including at least one of, offer distribution rules and offer redemption rules for targeting users for offers.

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Номер записи: 54
26-12-2013 дата публикации

Systems and methods for tracking a credit limit for a merchant in a prepaid debit card system

Номер: US20130346307A1
Автор: Phillip Kopp
Принадлежит: Individual

Systems and methods for managing a credit limit for a merchant in a prepaid debit card system. In an embodiment, prepaid debit cards are consigned, rather than sold, to the merchants. Furthermore, an initial credit limit is determined for the merchant. Transaction information, comprising data related to transactions in which the prepaid debit cards are purchased or reloaded, is received. A deposit amount related to the transactions is tracked and compared to a threshold related to the credit limit. When the deposit amount exceeds the threshold, a deposit pick up is initiated.

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Номер записи: 55
09-01-2014 дата публикации

Method for hub and spokes pan entry and payment verification

Номер: US20140008434A1
Автор: Jacob de Geer, Magnus Nilsson
Принадлежит: IZETTLE HARDWARE AB

A method of conducting an electronic card payment between a merchant, having a merchant's device, and a cardholder, having a payment card and a cardholder's device. The method include entering payment card information associated with the payment card comprising at least a first part of a personal account number (PAN), and purchase information in the merchant's device, entering a second part of the PAN in the card holder's device and submitting the second part of the PAN to a payment server, transmitting the purchase information and payment card information to the payment server, where the PANs are concatenated to a complete PAN, and transmitting the purchase information and an updated payment card information with the complete PAN to a bank server conducting the card payment.

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Номер записи: 56
09-01-2014 дата публикации

System and Method for Preventing Fraud by Generating New Prepaid Gift Accounts

Номер: US20140012752A1
Автор: WOLFE Jason
Принадлежит: GiftCodes.com, LLC

Systems, methods, and computer-readable media for preventing fraud when exchanging prepaid gift accounts. The system identifies a first prepaid gift account associated with a first prepaid gift. The system then presents an owner of the first prepaid gift with an offer to purchase the first prepaid gift account for an offer amount. Next, the system receives from the owner an acceptance of the offer. Based on the acceptance, the system provides payment to the owner for the first prepaid gift account, generates a second prepaid gift account for a second prepaid gift, transfers at least a portion of funds from the first prepaid gift account to the second prepaid gift account, deactivates the first prepaid gift account, and offers the second prepaid gift account for resale as a new prepaid gift to a person other than the owner. 1. A method comprising:Providing, via a processor, payment to an owner for a first prepaid gift account associated with a first prepaid gift;generating a second prepaid gift account for a second prepaid gift;transferring at least a portion of funds from the first prepaid gift account to the second prepaid gift account;deactivating the first prepaid gift account; andoffering the second prepaid gift account for resale as a new prepaid gift to a person other than the owner.2. The method of claim 1 , further comprising:presenting the owner of the first prepaid gift with an offer to purchase the first prepaid gift account associated with the first prepaid gift; and{'claim-ref': {'@idref': 'CLM-00001', 'claim 1'}, 'receiving from the owner an acceptance of the offer, wherein the steps of are performed based on the acceptance.'}3. The method of claim 1 , wherein the second prepaid gift account is one of a closed loop gift code and open loop claim 1 , and wherein information associated with the second prepaid gift account is delivered via electronic means and independent of a physical gift instrument.4. The method of claim 1 , wherein the second prepaid ...

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Номер записи: 57
16-01-2014 дата публикации

Smartcard receiving device for providing a remote communication with switching means

Номер: US20140015639A1
Автор: Matthieu Antoine, Michel Thill
Принадлежит: GEMALTO SA

The invention relates to a smartcard receiving device, comprising a contact interface ( 11 ) for communicating with the received smartcard ( 2 ); a remote communication interface ( 13 ) for communicating with a first remote device ( 3 ); a protocol bridge ( 12 ) designed to establish a transaction with the received smartcard ( 2 ) through the contact interface ( 11 ). The smartcard receiving device further comprises a communicating device detector ( 14, 15 ) adapted to detect a second remote device ( 5 ) communicating according to a remote communication protocol different from the communication protocol used by said remote communication interface ( 13 ). The protocol bridge ( 12 ) interrupts the transaction with the received smartcard ( 2 ) when the second remote device ( 5 ) communicating according to said different remote communication protocol is detected.

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Номер записи: 58
16-01-2014 дата публикации

ARTICLE VENDING MACHINE AND METHOD FOR AUTHENTICATING RECEIVED ARTICLES

Номер: US20140018956A1
Автор: Kuehnrich Franz, Palmer Jonathan
Принадлежит: Redbox Automated Retail, LLC

An article dispensing machine, system and method for authenticating an article returned to the article dispensing machine and an article for use in such a machine and system are disclosed herein. The returned article comprises an authentication code disposed on the surface of the returned article and a layer that is substantially opaque in visible light and at least partially overlays the authentication code. The article dispensing machine comprises a light source for illuminating the surface of the returned article so that the authentication code is visible through the layer, an image capture device for capturing an image of the authentication code when the surface is illuminated, and a processor for comparing the captured image to a master authentication code. 1. An article dispensing machine for authenticating a returned article , the article dispensing machine comprising:a receptacle for receiving the returned article, the returned article comprising an authentication code disposed on a surface of the returned article and a layer substantially opaque in visible light and at least partially overlaying the authentication code;an article sensor configured to detect a presence of the returned article;a light source in communication with the article sensor and configured to illuminate the surface of the returned article with electromagnetic radiation in a predetermined range in response to the article sensor detecting the presence of the returned article, wherein when the surface is illuminated, the authentication code is visible through the layer;an image capture device configured to capture an image of the authentication code when the surface is illuminated; anda processor in communication with the image capture device, wherein the processor is configured to identify the authentication code from the image and compare the authentication code that was identified to a master authentication code.2. The article dispensing machine of claim 1 , wherein the authentication ...

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Номер записи: 59
23-01-2014 дата публикации

Digital Token Generator, Server For Recording Digital Tokens and Method For Issuing Digital Token

Номер: US20140025582A1
Автор: Dmitry MAEVSKY
Принадлежит: egoNexus Ltd

A disconnected digital token generator is provided. which is capable of generating and displaying or delivering a digital token for a customer. The customer can take a picture of the digital token using a smart phone and then communicate with a server through a hyperlink represented by the picture using the smart phone. The disconnected digital token generator thus can be used for issuing a digital token without requiring any networks or logical connections.

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Номер записи: 60
20-02-2014 дата публикации

Unit for container return machines

Номер: US20140048391A1
Автор: Dieter Beyer
Принадлежит: Individual

The present invention relates to a unit for container return machines, having a conveying means for the longitudinal drive of a container in the direction of its longitudinal axis, and a rotational body arranged on each side of the conveying means, wherein, when the unit is in transportation mode, the container rests on the conveying means and is driven longitudinally, and, when the unit is in identification mode, the container rests on the rotational bodies and is driven rotationally. Each rotational body has the cross-section of a flattened circle, such that when the unit is in transportation mode, the container bears against at least one of the flattened surfaces of the rotational bodies.

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Номер записи: 61
27-02-2014 дата публикации

Card information protection device and finance service equipment having the same

Номер: US20140054368A1
Автор: Eduardas Vaigauskas, Rongsheng Wang, Xuewen Dong, Yedong Li
Принадлежит: GRG Banking Equipment Co Ltd

A card information protection device and a finance service equipment having the same are provided. The card information protection device is arranged between a transverse card inlet and a longitudinal magnetic card information reader, and comprises a magnetic card transverse admission port. A magnetic card conveying channel is arranged between the magnetic card transverse admission port and the longitudinal magnetic card information reader. A magnetic card rotating mechanism is arranged in the magnetic card channel. The magnetic card rotating mechanism is used for rotating a transversely-inserted magnetic card to longitudinal direction in order to convey the magnetic card into the longitudinal magnetic card information reader, and rotating the longitudinal magnetic card returned by the longitudinal magnetic card information reader to transverse direction in order to convey the transverse magnetic card out. The problem that the whole magnetic strip of the magnetic card information reader which allows a user to plug the magnetic card in the longitudinal direction is completely scanned by a card stealer device illegally arranged in a card plug-in buckle in the process of longitudinally inserting the magnetic card can be effectively solved, and thereby the problem that the magnetic card information is stolen illegally can be thoroughly solved.

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Номер записи: 62
27-02-2014 дата публикации

SYSTEM AND METHOD FOR ACTIVATING OR CHANGING THE STATUS OF AN ACCOUNT ASSOCIATED WITH A PREPAID CARD

Номер: US20140058868A1
Автор: PETERSON MICHAEL L., SHARMA BANSI L.
Принадлежит: American Express Travel Related Services Company, Inc.

A system and method for activating and funding prepaid cards at the point of sale by making innovative use of existing point-of-sale devices and existing credit/debit card acceptance networks and processes. The invention obviates the need to implement new/different technology at point-of-sale terminals that are widely used at retail outlets. This invention makes use of the existing credit and charge card systems and processes, including industry standard message formats, to settle funds and fees between the seller and the issuer of the prepaid card, thus further reducing the expense and time-to-market for product distribution. 1. A method comprising:inferring, by a charge authorization computer, that a request to apply a credit is a request to create a new first stored value account, wherein a stored value account identifier does not correspond to any stored value account identifier that is presently maintained by the charge authorization computer, and wherein a processing type code is associated with a request to apply the credit to the stored value account associated with the stored value account identifier;creating, by the charge authorization computer, the new first stored value account;designating, by the charge authorization computer, the new first stored value account as corresponding to the stored value card;crediting, by the charge authorization computer, an amount to the new first stored value account;receiving, by the charge authorization computer and from a user of the new first stored value account, information associated with the user of the new first stored value account; andactivating, by the charge authorization computer, the new first stored value account in response to receiving the information associated with the user of the new first stored value account.2. The method of claim 1 , wherein a first ISO/IEC compliant message comprises the processing type code in the range 20-2Z claim 1 , wherein the processing type code and the range are defined by ...

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Номер записи: 63
27-02-2014 дата публикации

Gesture based polling using an intelligent beverage container

Номер: US20140059581A1
Автор: Winston Wang
Принадлежит: Anheuser Busch InBev SA

Systems, devices, and methods are provided for conducting a polling event. A central server computer system determines a polling event is to be conducted and associates one or more inputs from a beverage container with a corresponding selection. The central server computer system transmits a polling prompt message to the beverage containers to display a prompt for a user to select between a first selection and a second selection. An input is received at the beverage container indicative of the selection by the user. The input may be based on a gesture movement of the beverage container. The selection is communicated to the central server computer system which, based on receiving selections from the participating beverage containers, determines the poll results. The poll results are displayed on one or more public displays or communicated, via a network, to a wireless communication device associated with a user of the beverage container.

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Номер записи: 64
06-03-2014 дата публикации

Security module and method of securing payment information

Номер: US20140067689A1
Автор: Ron William Rogers
Принадлежит: NCR Corp

A security module of a computer which is invisible to an operating system executed by a processor of the computer and which establishes an encrypted session for receiving payment data from a payment peripheral.

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Номер записи: 65
06-03-2014 дата публикации

Pre-authenticated identification token

Номер: US20140068742A1
Автор: Simon Phillips
Принадлежит: Mastercard International Inc

A pre-authenticated token system includes an identification token having a switch, a transmitter and receiver circuit, and a sensor; a docking station having control circuitry, a transmit/receive circuit and an antenna; a personal computer; and an authentication server computer. The personal computer transmits security information to the authentication server, receives authentication information, and transmits an authentication signal to the docking station. The docking station receives the authentication signal, enters an authentication mode, and transmits the authentication signal to the identification token. The sensor of the identification token detects removal of the identification token from the user's body, and the switch then responds by disabling the identification token to prevent transmission of identification data.

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Номер записи: 66
13-03-2014 дата публикации

BANKNOTE PROCESSING MACHINE AND BANKNOTE PROCESSING METHOD

Номер: US20140069770A1
Автор: NOMURA Eiichi
Принадлежит: Glory Ltd.

A controller of a banknote processing machine is configured to selectively perform a leaving mode, in which the banknote is fed out from each of the storing/feeding units , transported to the first cassette (recycle cassette ) by the transport unit , and stored and left in the first cassette, when the first cassette is accommodated in the cassette accommodation unit 1. A banknote processing machine comprising:an insertion unit configured to put a banknote into the banknote processing machine;a transport unit connected to the insertion unit and configured to transport the banknote inside the banknote processing machine;a recognition unit provided at the transport unit and configured to recognize the banknote put into the banknote processing machine by the insertion unit;a plurality of storing/feeding units each of which is connected to the transport unit and configured to store the banknote therein and to feed out the stored banknote;a first cassette configured to store the banknote therein and to feed out the stored banknote;a cassette accommodation unit connected to the transport unit and configured to detachably accommodate the first cassette; anda controller configured to control the transport unit and the storing/feeding unit, the controller selectively performing a leaving mode, in which the banknote is fed out from each of the storing/feeding units, transported to the first cassette by the transport unit, and stored and left in the first cassette, when the first cassette is accommodated in the cassette accommodation unit.2. The banknote processing machine according to claim 1 , wherein the first cassette is provided with an ink spray unit configured to spray ink toward the banknote stored in the first cassette claim 1 , when a person who is not authorized to remove the banknote from the first cassette removes the banknote from the first cassette claim 1 , or when a person who is not authorized to remove the first cassette from the cassette accommodation unit ...

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Номер записи: 67
27-03-2014 дата публикации

VALUABLE PAPER POSITION CORRECTION METHOD

Номер: US20140083815A1
Автор: CHANG Chia-Min, CHIU Wei, TSOU Ming-Feng, TSOU Ming-Hua
Принадлежит: INTERNATIONAL CURRENCY TECHNOLOGIES CORPORATION

A valuable paper position correction method for correcting an offset valuable paper includes the step of enabling two sensors of a sensor unit to sense the presence of the valuable paper, the step of determining the time span between the detection of the sensors, the step of calculating the difference in distance between the two bill-transfer roller sets using the detected data of the time span and the revolving speeds of motors, the step of calculating the length of time needed for speed change, the step of controlling one of the motors to change its speed in driving the respective bill-transfer roller set, and the step of controlling the speeded up or slowed down motor to return to its former speed after the length of time for speed change is up. 1. A valuable paper position correction method used in a bill acceptor comprising a housing defining a bill slot for the insertion of a valuable paper and a bill-receiving unit accommodated in said housing , said bill-receiving unit comprising a bill box for collection said valuable paper , a bill transmission mechanism comprising two transversely spaced motors and two transversely spaced bill-transfer roller sets and adapted for transferring said valuable paper from said bill slot to said bill box , a sensor unit comprising two transversely spaced sensor components and adapted for sensing said valuable paper and controlling the operation of said bill transmission mechanism and two sensors , and a bill validation unit for validating the authenticity and value of said valuable paper , the valuable paper position correction method comprising the steps of:(a) starting up said bill acceptor;(b) enabling said sensor components of said sensor unit to sense the insertion of a valuable paper into said bill passage;(c) enabling said motors of said bill transmission mechanism to drive said bill-transfer roller sets in transferring the inserted valuable paper forwards;(d) enabling said sensor unit to determine the presence of a time ...

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Номер записи: 68
10-04-2014 дата публикации

Payment Card Storage Apparatus and Tab Management System

Номер: US20140097241A1
Автор: Carlos Tovar, Francois Pierre deVilliers, George Newman Alexy
Принадлежит: Individual

A system for managing bar or restaurant tabs includes a payment card storage apparatus, such as a carousel, to receive and store payment cards under computer control, and a payment card reader to read identifying information from the payment cards that are to be stored in the payment card storage apparatus. The system permits a server to conveniently receive and store a payment card to secure a patron's tab, and then return it to the patron at the time the tab is closed and paid out. An associated point-of-sale system displays tab information and a list of names of those patrons having open tabs. A particular patron's card can be returned from the payment card storage apparatus by selecting the patron's tab from the list. The system may further be applied in any situation in which a debt or obligation can be secured by the possession of a personally-identifiable token that has, holds or permits access to value.

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Номер записи: 69
01-01-2015 дата публикации

Hierarchical classification in credit card data extraction

Номер: US20150003748A1
Автор: Henry Allan Rowley, Jose Jeronimo Moreira Rodrigues, Sanjiv Kumar, Xiaohang Wang
Принадлежит: Google LLC

Embodiments herein provide computer-implemented techniques for allowing a user computing device to extract financial card information using optical character recognition (“OCR”). Extracting financial card information may be improved by applying various classifiers and other transformations to the image data. For example, applying a linear classifier to the image to determine digit locations before applying the OCR algorithm allows the user computing device to use less processing capacity to extract accurate card data. The OCR application may train a classifier to use the wear patterns of a card to improve OCR algorithm performance. The OCR application may apply a linear classifier and then a nonlinear classifier to improve the performance and the accuracy of the OCR algorithm. The OCR application uses the known digit patterns used by typical credit and debit cards to improve the accuracy of the OCR algorithm.

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Номер записи: 70
05-01-2017 дата публикации

COMMODITY SALES DATA PROCESSING APPARATUS AND METHOD FOR EXECUTING OPENING PROCESSING THEREOF

Номер: US20170004476A1
Автор: Suzuki Yoshiaki
Принадлежит:

A commodity sales data processing apparatus comprises an input module configured to receive an input of identification information capable of identifying an individual, a commodity sales data processing apparatus opening processing module configured to execute a commodity sales data processing apparatus opening processing in a case in which an individual specified with the identification information input from the input module has authority to execute the commodity sales data processing apparatus opening processing, and a storage control module configured to enable a storage section to store the identification information of the individual who executes the commodity sales data processing apparatus opening processing through the commodity sales data processing apparatus opening processing module. 1. A commodity sales data processing apparatus , comprising:an input module configured to receive an input of identification information capable of identifying an individual;a commodity sales data processing apparatus opening processing module configured to execute a commodity sales data processing apparatus opening processing in a case in which an individual specified with identification information input from the input module has authority to execute the commodity sales data processing apparatus opening processing; anda storage control module configured to enable a storage section to store the identification information of the individual who executes the commodity sales data processing apparatus opening processing through the commodity sales data processing apparatus opening processing module.2. The commodity sales data processing apparatus according to claim 1 , further comprisingan output module configured to output the identification information of the individual, who executes commodity sales data processing apparatus opening processing, stored in the storage section.3. The commodity sales data processing apparatus according to claim 2 , whereinthe output module prints ...

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Номер записи: 71
05-01-2017 дата публикации

Retail point of sale (RPOS) apparatus for internet merchandising

Номер: US20170004489A1
Автор: James Leonard Driessen
Принадлежит: Individual

The present invention is an apparatus for the money transactions required in the selling of merchandise or media content on the Internet and uses at least one in-person contact with the buyer. A predefined transaction originating at a real place of business authorizes access to web content or merchandise from a place off the web. Purchasers (end-users) must physically go to a retail location to choose the Internet media or merchandise shopping cart they wish to acquire where age can be verified if necessary and payment can be made with or without a credit card. Content security using a non-audible or invisible code signal sequence(s) can provide traceability as well as absolute anonymity for the purchaser. This apparatus can be used to conduct transactions off the web so that business can be done on the web.

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Номер записи: 72
07-01-2016 дата публикации

Systems and Methods for Providing Gifts Via a Mobile Messaging Platform

Номер: US20160005028A1
Автор: Lampron Keith P., MAYBLUM Amir, STEINBACH Lodema M.
Принадлежит:

Systems and methods for creating gift messages for sending to individuals via an existing messaging infrastructure are described. A gift provider system may receive a request for a gift catalog from a first user device. The gift provider system may provide an interactive gift catalog to the first user device that includes one or more gift cards available for purchase. The user of the first user device may select the amount of the gift card, create a personalized message for the gift card, select a recipient, and select graphics that may accompany the gift card. The gift provider system may create a gift message based on the purchased gift card and send the gift message to the recipient. The gift message may be sent as an MMS message and may include one or more codes that the recipient can use to redeem the gift card with a providing merchant. 1. A system , comprising:a processor; and receive a request for a gift catalog from a first communications device;', 'provide a gift catalog to the first communications device based at least in part on profile information associated with the first communications device;', 'receive a selection of a gift card from the first communications device, wherein the gift card is selected from the gift catalog, wherein the gift card is associated with one or more merchants;', 'generate a multimedia messaging service message based on the gift card; and', 'transmit the multimedia messaging service message to a second communications device., 'a memory comprising computer-readable instructions which when executed by the processor cause the processor to2. The system of claim 1 , wherein the multimedia messaging service message comprises at least one of a gift value claim 1 , a merchant identifier claim 1 , a gift code claim 1 , a graphic claim 1 , a link claim 1 , a personalized message claim 1 , a sender name claim 1 , and a recipient name.3. The system of claim 2 , wherein the gift code is associated with the one or more merchants associated ...

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Номер записи: 73
07-01-2016 дата публикации

Systems and Methods for Dynamically Detecting and Preventing Consumer Fraud

Номер: US20160005029A1
Автор: Appana Rajiv Venkataramana, Ivey Henry, Ramsey Patrick, Yeh Theodore
Принадлежит:

Systems and methods discussed herein relate to a system for detecting and preventing fraudulent transactions through collecting requests for website access, stored-card trades and sales, and transactions using physical or electronically issued credit, debit, stored-value, and other cards. The fraud detection system not only flags individual transactions, but is also configured to dynamically track and update banned/watch lists associated with request artifacts and cards in order to catch and prevent individual actors as well as BOTs, at least by adjusting the thresholds used to evaluate risk scores and what is placed on the banned/watch lists based upon requests received as well as information from financial institutions, merchants, government agencies, and watchdog groups. The system is also configured to provide information to those groups. 1. A system for detecting fraud , comprising:a non-transitory memory;a processor; receives a request to at least one of view a website and engage in a transaction using a stored-value card, wherein the request is associated with an artifact, wherein the artifact comprises at least one of a profile, a key, a fingerprint, and a digital fingerprint;', an analysis of the risk score associated with the request and a risk threshold,', 'a determination as to whether the first party is on a banned artifacts list based upon the received artifact, wherein the determination if the artifact is on the banned artifact list,', 'and a determination as to whether the artifact is associated with the stored-value card;, 'determines if the artifact is approved to use the stored-value card based upon at least one of, 'based upon the determination whether the artifact is approved to use the stored-value card, at least one of:', 'process, based upon a determination that the first party is not on the banned access list and is approved to use the stored-value card when the risk score is below the risk threshold, the request, and', 'provide, to the ...

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Номер записи: 74
07-01-2016 дата публикации

SYSTEM TO ACCEPT AN ITEM OF VALUE

Номер: US20160005045A1
Автор: Baudat Gaston, Young Neil
Принадлежит: MEI, Inc.

A system comprising a classification module and a scoring module is described herein. The classification module is configured to configured to classify at least one item of value into at least one class in response to a user activity; and the scoring module configured to determine an acceptance score based at least on transactional data and associate an action with the user activity corresponding to the acceptance score. 1. A system comprising:at least one data processor; anda memory coupled to the at least one data processor, wherein the memory comprises:a classification module configured to classify at least one item of value into at least one class in response to a user activity; and determine an acceptance score based at least on transactional data; and', 'associate, based on the acceptance score, an action with the user activity., 'a scoring module configured to,'}2. The system as claimed in claim 1 , wherein the transactional data comprises at least one of time of transaction claim 1 , geographical location of the system claim 1 , user transaction history claim 1 , user profile claim 1 , user behavior claim 1 , and environmental data.3. The system as claimed in claim 1 , wherein the at least one class is at least one of an unrecognizable class claim 1 , a suspect counterfeit class claim 1 , an unfit and zero valued class claim 1 , an unfit and finite valued class claim 1 , a fit and genuine class claim 1 , and an unfit and genuine class.4. The system as claimed in claim 1 , wherein the scoring module is further configured to assign a predetermined acceptance score based at least on the transactional data.5. The system as claimed in claim 1 , wherein the action assigned by the scoring module overrides another action assigned by the classification module.6. The system as claimed in further comprising a monitoring module configured to:track at least one of a transaction request, the transactional data, and the acceptance score at predefined time intervals; ...

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Номер записи: 75
07-01-2016 дата публикации

PRODUCT RECOMMENDATION ENGINE BASED ON REMAINING BALANCE IN A STORED-VALUE SCENARIO

Номер: US20160005096A1
Автор: Flynn Sean P., Gilman Caitlin R., Lo Yi H., Wong Ting Fai S.
Принадлежит:

According to embodiments of the present invention, computer-implemented methods, systems, and computer program products are provided, which identify items based on a redeemable balance. A remaining redeemable balance for a user based on a cost of one or more selected items is determined. One or more items of interest are identified to the user based on at least a cost of each item of interest in relation to the remaining redeemable balance. The identified one or more items of interest are ranked based on a sum of the cost of the identified one or more items of interest to the remaining redeemable balance. Electronic purchase of the identified one or more items of interest are enabled via the remaining redeemable balance. 19-. (canceled)10. A system comprising:a processor configured to:determine a remaining redeemable balance for a user based on a cost of one or more selected items;identify one or more items of interest to the user based on at least a cost of each item of interest in relation to the remaining redeemable balance;rank the identified one or more items of interest based on a sum of the cost of the identified one or more items of interest to the remaining redeemable balance; andenable electronic purchase of the identified one or more items of interest via the remaining redeemable balance.11. The system of claim 10 , wherein the processor is configured to identify the one or more items of interest further based on at least one of a purchase history and a relationship to the selected items.12. The system of claim 10 , wherein the cost of each of the identified one or more items of interest is less than or equal to the remaining redeemable balance.13. The system of claim 10 , wherein the processor is configured to identify the one or more items of interest based on a purchase history claim 10 , wherein the purchase history comprises frequency information regarding a number of times that an item of interest or a combination of items of interest have been ...

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Номер записи: 76
07-01-2016 дата публикации

PRODUCT RECOMMENDATION ENGINE BASED ON REMAINING BALANCE IN A STORED-VALUE SCENARIO

Номер: US20160005098A1
Автор: Flynn Sean P., Gilman Caitlin R., Lo Yi H., Wong Ting Fai S.
Принадлежит:

According to embodiments of the present invention, computer-implemented methods, systems, and computer program products are provided, which identify items based on a redeemable balance. A remaining redeemable balance for a user based on a cost of one or more selected items is determined. One or more items of interest are identified to the user based on at least a cost of each item of interest in relation to the remaining redeemable balance. The identified one or more items of interest are ranked based on a sum of the cost of the identified one or more items of interest to the remaining redeemable balance. Electronic purchase of the identified one or more items of interest are enabled via the remaining redeemable balance. 1. A method of identifying items based on a redeemable balance comprising:determining a remaining redeemable balance for a user based on a cost of one or more selected items;identifying one or more items of interest to the user based on at least a cost of each item of interest in relation to the remaining redeemable balance;ranking the identified one or more items of interest based on a sum of the cost of the identified one or more items of interest to the remaining redeemable balance; andenabling electronic purchase of the identified one or more items of interest via the remaining redeemable balance.2. The method of claim 1 , wherein identifying one or more items of interest includes:identifying the one or more items of interest further based on at least one of a purchase history and a relationship to the selected items.3. The method of claim 1 , wherein the cost of each of the identified one or more items of interest is less than or equal to the remaining redeemable balance.4. The method of claim 1 , wherein the cost of each of the identified one or more items of interest is within a range of the remaining redeemable balance.5. The method of claim 4 , wherein the range of the remaining redeemable balance is a percentage of the remaining redeemable ...

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Номер записи: 77
07-01-2021 дата публикации

DIGITAL JUKEBOX DEVICE WITH IMPROVED USER INTERFACES, AND ASSOCIATED METHODS

Номер: US20210004397A1
Автор: ALAMEER Samer, Beaumier Francois, DHAMBRI Karim, LABUNKA Matthew, MOULTON Ian, SUSLA Daniel, Tooker Michael
Принадлежит:

Certain exemplary embodiments relate to entertainment systems and, more particularly, to systems that incorporate digital downloading jukebox features and improved user interfaces. For instance, a smart search may be provided, e.g., where search results vary based on the popularity of songs within the venue, in dependence on songs being promoted, etc. As another example, a tile-based approach to organizing groupings of songs is provided. Groupings may involve self-populating collections of songs that combine centrally-promoted songs, songs in a given genre that are popular across an audiovisual distribution network, and songs that are locally popular and match up with the given genre (e.g., because of shared attributes such as same or similar genre, artist, etc.). Different tile visual presentations also are contemplated, as are different physical jukebox designs. In certain example embodiments, a sealed core unit with the “brains” of the jukebox is insertable into a docking station. 1. A digital jukebox device , comprising:a display device; and enables a user to input search criteria in searching for a song available for playback via the digital jukebox device on a pay-for-play basis, and', 'self-updates with results as search criteria is inputted, wherein search results are displayed as entries along respective axes, each said axis having the search results arranged according to a respectively different order, wherein (a) a self-update to the search screen that causes an entry to be removed from one or both of the axes in turn causes the respective axis or axes to shrink in size until all entries are displayable thereon in a single non-scrolling screen, at which point (b) further self-updates to the search screen that cause an entry to be removed from one or both of the axes do not trigger the respective axis or axes to further shrink in size, unless (c) still further self-updates to the search screen that cause an entry to be removed from one or both of the axes ...

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Номер записи: 78
13-01-2022 дата публикации

Gift Card With Balance Indicator Panels

Номер: US20220012715A1
Автор: Rinaldi Robert C.
Принадлежит:

A gift card includes a card body having a retailer's or credit card company name and logo, a pre-printed gift card account balance representing the balance on the card when initially purchased, and a user-fillable Card Balance data field which can be completed using an ordinary pencil or pen. The gift card also may be printed with one or more prompts, such as a graphic or written instruction, to provide a user with sufficient instruction to use the re-writable functionality of the present invention, and may include dollar and cents indicators to facilitate a user to write the current and updated balance clearly and accurately. 1. A gift card system , comprising:a gift card having a body, a unique identifier, an initial card balance data field having a writing surface and a currency indicator, a plurality of successive card balance data fields having a writing surface and a currency indicator, and one or more pre-printed prompts on said card body to prompt a user to complete said card balance data fields;a card balance database corresponding to said unique identifier;a computer system connected to a data network and having a central processing unit and access to said card balance database; andmeans to identify said unique identifier of said gift card,wherein said computer system is configured to send and receive database information with other computer systems via said data network, the database information containing at least a verification of available funds associated with the gift card.2. The gift card system of claim 1 , further comprising one or more pre-printed prompts on said card body to prompt a user to complete said initial and successive card balance data fields.3. The gift card system of claim 1 , wherein the initial card balance data field and the successive card balance data fields form an array of vertically stacked card balance data fields.4. The gift card system of claim 1 , wherein the initial card balance data field and the successive card balance ...

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Номер записи: 79
07-01-2021 дата публикации

SYSTEMS AND METHODS FOR COLLABORATIVE GIFT CARD NETWORKS

Номер: US20210004804A1
Автор: Douglas Kenneth, Joshua Moshe, Sampey James, Tinsley Bobby, Zaccardo Robert
Принадлежит:

Systems and methods for facilitating real-time item-specific application of a gift card balance to a purchase within a collaborative gift card network are described. Such methods permit restriction of gift cards and gift card balances to purchase of specific items. Collaborative systems are used to implement such methods, such as computer systems and networked computer system. Methods for facilitating item-specific application of a gift card balance may be performed using computer systems managed by a single entity as well as in distributed computing environments wherein aspects of the methods are implemented by disparate parties. Unique bank card number are associated with a promotional offer as well as item-specific information relating to authorized uses of the offer. When an offer is attempted to be redeemed, a secondary item-specific authorization check is performed in addition to a check of the validity of the overall promotional offer. 1. A method for facilitating real-time item-specific application of a gift card balance to a purchase within a collaborative gift card network , comprising: one or more communications modules configured to establish one or more communicative connections with external computer systems over one or more computer networks;', 'a long-term memory store;', 'short-term memory; and', 'a processor;', 'wherein the communications module, the long-term memory store, and the short term memory store are operatively connected with the processor to allow the processor to access the communications module, the long-term memory store, and the short-term memory thereby providing the processor with access to data therefrom and transfer of data thereto;, 'providing a network-connected server, the server comprisingstoring, in the long-term memory store, information relating to one or more items for which use of a gift card is authorized;generating a list of gift card numbers and associated gift card amounts;storing the gift card numbers and associated ...

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Номер записи: 80
04-01-2018 дата публикации

The automated salesman machine (asm)/automated electronic trolley (aet)

Номер: US20180005213A1
Автор: Kojo Benjamin Dickson Quartey
Принадлежит: Individual

A method or a system, automatically and electronically ensures that customer pays for all goods picked up and the customer takes out of the shop only goods paid for. All this is done without the need of a shop teller and finally without the need of a shop supervisor to periodically crosscheck and ensure that the total amount of money collected by the shop teller (within a period) equals the total value of goods disbursed. The resultant of this system are the shop runs can run a totally cashless shop; reduce human resource by a significant percentage; shop can be opened 24/7; no more queues at shop teller points even during peak periods or major sales.

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Номер записи: 81
02-01-2020 дата публикации

Authentication Device & Related Methods

Номер: US20200005273A1
Автор: Justin Pike
Принадлежит: Licentia Group Ltd, Mypinpad Ltd

The invention provides a portable device for input of a Personal Identification Code (PIC). It comprises a card reading component and a touch screen. The screen is arranged and configured to display a pinpad and receive a PIC upon entry by a user via the pinpad. The card reading component and the touch screen are integral to the input device. The device can comprise a mobile phone, which may have a camera. The device can be a handheld card payment terminal for use in financial transactions, where a user's PIN must be authenticated. A security mechanism may be used with the device wherein an image of a scrambled keypad is displayed over an operable keypad, this enabling the device to store an encoded version of the user's input. As the user's real PIN is never stored in the device, no bank session key needs to be stored or encrypted. This enables the terminal to be produced at a lower cost then prior art arrangements.

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Номер записи: 82
03-01-2019 дата публикации

LINE DETERMINATION BASED ON RFID

Номер: US20190005280A1
Автор: Jones Nicholaus A., Taulbee Alvin S., Tingler Jeremy R.
Принадлежит:

In some embodiments, apparatuses, systems, and methods are provided herein useful to determining qualities of a line at a POS terminal in a retail establishment. In some embodiments, a systems comprises one or more RFID tags, wherein the one or more RFID tags are located near the POS terminal, an RFID reader configured to read signals transmitted from the one or more RFID tags, and a control circuit communicatively coupled to the RFID reader, the control circuit configured to receive, from the RFID reader, an indication of the signals transmitted from the one or more RFID tags, determine, based on the indication of the signals from the one or more RFID tags, properties of the signals transmitted by the one or more RFID tags, and estimate, based on the properties of the signals transmitted from the one or more RFID tags, a number of people in line at the POS terminal. 1. A system for estimating a number of customers in line at a point-of-sale (POS) terminal in a retail establishment , the system comprising:one or more radio frequency identification (RFID) tags, wherein the one or more RFID tags are located near the POS terminal;an RFID reader configured to read signals transmitted from the one or more RFID tags; and receive, from the RFID reader, an indication of the signals transmitted from the one or more RFID tags;', 'determine, based on the indication of the signals transmitted from the one or more RFID tags, a pattern of read periods and non-read periods, wherein an RSSI value of at least one signal transmitted from the one or more RFID tags is higher during a read period than the RSSI value of the at least one signal transmitted from the one or more RFID tags during a non-read period; and', 'estimate, based on the pattern of read periods and non-read periods, the number of customers in line at the POS terminal., 'a control circuit communicatively coupled to the RFID reader, the control circuit configured to2. The system of claim 1 , wherein during the read ...

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Номер записи: 83
02-01-2020 дата публикации

Emv chip spinner cards and methods for their prepation

Номер: US20200005579A1
Автор: Jonny B. Vu
Принадлежит: Individual

A credit card or debit card includes at least one rotatable disk arranged onto a top face or a bottom face of the credit card or debit card; and one or more EMV chips arranged onto the at least one rotatable disk.

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Номер записи: 84
03-01-2019 дата публикации

POWER PACK VENDING APPARATUS, SYSTEM AND METHOD OF USE FOR CHARGING PACKS WITH BIASED LOCKING ARRANGEMENT

Номер: US20190006862A1
Автор: Brinkman Ross, Burns Scott C., Dangora James, HAMILTON, Hatch Paul, IV Calhoun B., Krapfl Clifford, ROSTLUND Anders Olof
Принадлежит:

A power pack vending system comprises a plurality of kiosks including a magazine having a plurality of slots, and a plurality of rechargeable power packs. Each power pack has a unique identifier and is sized to be received within one slot. Each kiosk includes a computer for receiving and storing the unique identifier of each power pack received within the magazine, the specific slot the power pack is in, and current power pack information. The kiosk computer controls a charging unit for charging the power packs. The system includes a central management operation comprising a central computer and central database. The management operation communicates with each kiosk and the central database includes a database storing power pack information for every power pack and a database storing customer information. The central management operation receives, stores and processes information received from the kiosks and sends information to each of the kiosks. 1. A power pack vending system for providing power to a portable electronic device , the power pack vending system comprising: an outer housing assembly;', 'a user interface portion;', 'a plurality of rechargeable power packs, each power pack comprising an outer case identical in physical size, each power pack having a unique identifier and two power contacts and a data contact;', 'a magazine having a plurality of slots, each slot arranged and designed to receive only one power pack at a time, each slot having a locking member, two power pins and a data pin;', 'each of the power packs and each of the magazine slots are arranged and designed so that the power packs can only be inserted in the magazine slots in a single correct orientation,', 'wherein upon full insertion of the power pack in the magazine slot, the locking member in the magazine slot engages the power pack and locks the power pack in the slot, and the two power pins contact the two power contacts and the data pin contacts the data contact;', 'a charging unit ...

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Номер записи: 85
27-01-2022 дата публикации

Detecting a skimmer via a vibration sensor

Номер: US20220028228A1
Автор: Adam Vukich, James ZARAKAS, Molly Johnson
Принадлежит: Capital One Services LLC

Disclosed herein are system, method, and apparatus for detecting a skimmer via a vibration sensor on a transaction card. The method includes receiving, at a server, from a user equipment, vibration information recorded by a transaction card in response to an execution of a transaction at a point-of-service (POS) terminal of a plurality of POS terminals using the transaction card. The vibration information may be recorded by a microphone or an accelerometer on the transaction card while the transaction card is swiped through the POS terminal or inserted into or removed from the POS terminal. The method includes determining, at the server, a state of the POS terminal based on the received vibration information and in response to a determination of the state of the POS being compromised, sending to one or more stakeholders of the transaction a warning message containing the POS terminal information including the POS terminal's state.

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Номер записи: 86
12-01-2017 дата публикации

LOCATION-BASED LOCKING AND UNLOCKING OF PAYMENT ACCOUNTS

Номер: US20170011401A1
Автор: Martin Daniel D., Steinlicht Greg
Принадлежит:

System, method and media for selectively activating and deactivating payment vehicles based on the positions of an authorized user of the account, the payment vehicle, and/or the transactions. The security and budget-control abilities of a consumer are increased by allowing the user to specify geographic regions where payment vehicle will not, or should not, be used. In such circumstances, the payment vehicle can be temporarily deactivated, thereby causing any (presumably fraudulent or undesired) transactions that may be attempted to be rejected. Such rules can be combined for finer-grained controls. The smartphone or other personal telecommunications device of the user can be used to specify the rules, determine the user's position, and/or inform the user that a transaction has been rejected based on their rules and locations. 1. A system for location-based activation and deactivation of a payment vehicle , comprising:a user interface for allowing a user to specify a geographic region and a rule corresponding to the geographic region;a location rules data store operable to store the geographic region and the rule; receive information for a transaction;', 'determine a location for the transaction; and', 'determine whether the transaction should be allowed or denied based at least in part on whether the location for the transaction is within the geographic region and the rule., 'a location rules engine operable to2. The system of claim 1 , wherein the step of determining whether the transaction should be allowed or denied is further based on a position of the user.3. The system of claim 2 , wherein the step of determining whether the transaction should be allowed or denied is further based on a position of a payment vehicle used to fund the transaction.4. The system of claim 1 , wherein the step of determining whether the transaction should be allowed or denied is further based on a position of a payment vehicle used to fund the transaction.5. The system of claim 1 , ...

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Номер записи: 87
15-01-2015 дата публикации

CHECK CASHING WITH A MOBILE PHONE

Номер: US20150019437A1
Автор: Blackson Dale H., Kolinski-Schultz David E., Ramachandran Natarajan, Smith Mark D.
Принадлежит:

A card actuated automated banking machine () includes a plurality of transaction function devices. The transaction function devices include a card reader (), a printer (), a bill dispenser (), a display (), a check imaging device (), and at least one processor (). The machine is operative, responsive to receiving a check and certification data, to dispense cash in exchange for the check. The person presenting the check to the machine need not provide user identifying inputs through input devices of the machine in order to receive cash for the check. Furthermore, prior to accepting the check as a payment, the person can communicate with at least one computer () through at least one consumer interface device () to verify that the check is payable for the check amount. 1. An apparatus , comprising:a mobile phone that comprises an image capture device, a wireless transceiver, and a processor coupled with the image capture device and wireless transceiver;the image capture device is operable to capture an image of a financial check associated with a financial account;wherein the at least one image includes check data that includes a check amount;the processor is operable to operate the wireless transceiver to send the image along with a request that funds corresponding to the check amount be reserved to ensure check payment; andthe processor is operable to receive via the wireless transceiver a message confirming receipt of the request that funds corresponding to the check amount be reserved;wherein the message includes a code corresponding to the check that allows a potential recipient of the check to verify that the check is payable for the check amount, and a recipient of the check to anonymously cash the check without providing any machine user identification data.2. The apparatus according to claim 1 , wherein the processor is further operable to receive via the wireless transceiver a message indicating that the check is good for the check amount.3. The apparatus ...

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Номер записи: 88
03-02-2022 дата публикации

INTEGRATING MOBILE PAYMENT APPLICATION WITH OTHER MOBILE APPLICATIONS WHILE PREVENTING SECURITY EXPOSURES

Номер: US20220036335A1
Автор: KAPLINGER TODD E., Shachor Gal, Truty Gregory L.
Принадлежит:

A method, system and computer program product for integrating a mobile payment application with other mobile applications while preventing security exposures. A set of application programming interfaces of mobile applications that may possibly be utilized by a pass created by a mobile payment application is generated in response to receiving an indication that the pass was created. A “pass,” as used herein, refers to a form of mobile payment, such as a gift card. A selection of these application programming interfaces may then be received to interact with the created pass. In this manner, the existing mobile applications are seamlessly integrated with the features of passes. Furthermore, a virtual container is created for the created pass and the selected application programming interfaces to interface with the created pass. By creating such a container, the data to be exposed to the application layer can be controlled. 1. (canceled)2. A computer program product for integrating a mobile payment application with other mobile applications , the computer program product comprising a computer readable storage medium having program code non-transitorily embodied therewith , the program code comprising programming instructions for:generating a view of a set of application programming interfaces exposed to leverage a pass, the pass corresponding to a form of mobile payment; andreceiving a selection of one or more of the set of application programming interfaces to interact with the pass, thereby allowing one or more existing mobile applications to seamlessly be integrated with features of the pass.3. The computer program product of claim 2 , wherein generating a view of the set of application programming interfaces includes generating a view of the pass.4. The computer program product of claim 3 , wherein generating a view of the pass includes not presenting the pass as a static hypertext markup language (HTML) document.5. The computer program product of claim 2 , wherein ...

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Номер записи: 89
19-01-2017 дата публикации

SYSTEMS AND METHODS FOR TRANSFERRING BALANCES

Номер: US20170017953A1
Автор: Sharma Aarti
Принадлежит:

A positive balance on a first financial account associated with a prepaid card are transferrable to a second financial account associated with a third party. In some embodiments, an instruction to transfer a portion of the first financial account to the second financial account is received. The instruction is associated with one or more triggering events. The one or more triggering events are associated with an inactive amount of time associated with the prepaid card, an expiration date associated with the prepaid card, and/or a balance of the first financial account associated with the prepaid card. A first triggering event of the one or more triggering events is detected. Upon detection of the first triggering event, the portion of the first financial account is transferred to the second financial account. Aspects of the disclosure enable a processing system to identify one or more opportunities to liquidate and/or fund financial accounts in an organized, resource-efficient, and timely manner. 1. A computer-implemented method for processing a financial transaction of a prepaid card , the method comprising:prompting, using an interface component, a cardholder to identify one or more triggering events and one or more triggered operations associated with the one or more triggering events, the one or more triggering events associated with at least one of an inactive amount of time associated with the prepaid card, an expiration date associated with the prepaid card, and a balance of a first financial account associated with the prepaid card, the one or more triggered operations including transferring a portion of the first financial account to a second financial account associated with a third party;receiving information associated with the one or more triggering events and the one or more triggered operations;detecting, using a monitor component, a first triggering event of the one or more triggering events; andupon detection of the first triggering event, ...

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Номер записи: 90
21-01-2016 дата публикации

RETAIL SALE MONEY TRANSFER SYSTEM

Номер: US20160019508A1
Автор: Meszaros Richard T., Sander Eric James, Zouiten Yassir
Принадлежит:

A system and method for performing money transfer send transactions uses a plurality of tokens for retail sale, each token representing a specific money transfer purpose and having a send transaction identifier. A computer system is connectable to receive from a point of sale terminal data representing a send transaction identifier of at least one token and creating a send transaction record linked to the token's send transaction identifier. A control module executing in the computer system presents to the sender a completion interface that includes elements reflecting the specific money transfer purpose and fields for receiving send transaction information comprising: sender identification information; recipient identification information; and message options related to the specific money transfer purpose. In response to receipt of sufficient information entered at the completion interface, a memory for stores an active, funded send transaction record in the computer system including the message options.

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Номер записи: 91
18-01-2018 дата публикации

System and Method for Targeted Marketing and Consumer Resource Management

Номер: US20180018690A1
Автор: MATHE Jennifer K., Nguyen Khanh, ROBERTS Mark E.
Принадлежит:

Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers. 1. A method for providing to customers universal access to loyalty programs of a plurality of merchants , wherein each merchant is able to operate its own loyalty program without sharing information about transactions between the merchant and said customers , the method comprising , at an enterprise infrastructure: allocating memory on the enterprise infrastructure, the allocated memory defining a personal consumer system account for the customer, and', 'automatically enrolling the customer in the loyalty programs of one or more merchants using the same universal transaction identifier of the customer to enroll the customer in each merchant loyalty program, and thereafter;, 'receiving requests from said customers, each request from a customer comprising a request to activate a respective universal transaction identifier issued to the customer, and in response to each such requestreceiving from one of said merchants a targeted discount offer and the universal transaction identifier corresponding to each customer in a set of targeted customers who are enrolled in ...

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Номер записи: 92
17-01-2019 дата публикации

METHODS AND APPARATUS FOR MANAGING INFORMATION IN CONNECTION WITH AN ACCOUNT-BASED RECYCLING PROGRAM

Номер: US20190019248A1
Автор: Hunscher William, Whittier Frank
Принадлежит: Count & Crush Systems, LLC

Methods and apparatus for managing information relating to recycling activities are described. One embodiment described herein is directed to a method for accessing aggregated recycling information for use and/or display in connection with an account-based recycling program. The method comprises receiving first and second container information, the first container information concerning a plurality of first containers for a first recycling transaction and the second container information concerning a plurality of second containers for a second recycling transaction. The first and second container information is stored and associated account information concerning at least one consumer account. The method further comprises accessing, in response to receiving a query relating to a plurality of recycling transactions, information relating to at least the first and second containers so as to enable the use and/or display of aggregated recycling information. 1. A method , comprising:transporting a first bag associated with a first consumer, the first bag holding a first plurality of recyclable objects, and a second bag associated with a second consumer, the second bag holding a second plurality of recyclable objects, from a retail location recycling return center to a processing center;receiving, from a scanning device located at the processing center, a first set of information for the first bag representing a first recycling transaction, the first set of information including information about individual recyclable objects of the first plurality of recyclable objects;receiving, from the scanning device located at the processing center, a second set of information for the second bag representing a second recycling transaction, the second set of information including information about individual recyclable objects of the second plurality of recyclable objects;associating, in at least one memory, the first set of information, stored in the at least one memory, with a ...

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Номер записи: 93
16-01-2020 дата публикации

Distributed Tokenization Using Several Substitution Steps

Номер: US20200019727A1
Автор: Mattsson Ulf
Принадлежит:

A method for distributed tokenization of sensitive strings of characters, such as social security numbers, credit card numbers and the like, in a local server is disclosed. The method comprises the steps of receiving from a central server at least one, and preferably at least two, static token lookup tables, and receiving a sensitive string of characters. In a first tokenization step, a first substring of characters is substituted with a corresponding first token from the token lookup table(s) to form a first tokenized string of characters, wherein the first sub string of characters is a substring of the sensitive string of characters. Thereafter, in a second step of tokenization, a second sub string of characters is substituted with a corresponding second token from the token lookup table(s) to form a second tokenized string of characters, wherein the second substring of characters is a substring of the first tokenized string of characters. Optionally, one or more additional tokenization steps is/are used. 1. A method of tokenization , comprising:accessing a string of characters in a first character domain;accessing a first token table and a second token table, the first token table mapping each of asset of input values in the first character domain to a different token value comprising characters in the first character domain and characters in a second character domain different from the first character domain, the second token table mapping each of a set of input values in the first character domain to a different token value comprising characters in the second character domain;tokenizing, by a processor, the accessed string of characters by replacing a first substring of the accessed string of characters with a first token value mapped to a value of the first substring by the first token table to form a first intermediate string of characters; andtokenizing, by the processor, a portion of the first intermediate string of characters comprising characters in the ...

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Номер записи: 94
16-01-2020 дата публикации

GIFT CARD PROMOTION SYSTEM AND METHOD

Номер: US20200019957A1
Автор: Bowefield Phillip Scott
Принадлежит:

A gift card promotion system designed for a locally based community network including businesses, purchasers, and customers, whereby a community network platform is provided that is accessible by the users to encourage local growth in the community. The community network platform allows purchasers such as companies or employers to buy gift cards from local businesses and gift them to consumers while also providing the ability of cross selling gift cards between companies as well as enabling referrals of local businesses, incentives, rating systems, registries, task related rewards, and wish lists. 1. A computer implemented method for promoting local businesses using a gift card promotion system , the method comprising:storing, user data for one or more consumers, comprising a name identifier and one or more gift card preferences, whereby the gift card preferences correspond to one or more gift cards, wherein the user data is stored by one or more computing devices that include one or more programs containing instructions associated with the gift card promotion system;presenting a user interface to a purchaser on the one or more computing devices, wherein the user interface comprises at least one list of gift card preferences of the one or more consumers;requesting, from the purchaser to purchase a gift card in response to being presented with the at least one list of gift card preferences from the one or more consumers;using the received request, including the amount of the gift card, to transfer funds from an account of the purchaser to an account of the one or more consumers;collecting transactional data, including the amount of the gift card, a business associated with the gift card, and the location of the business;associating the transactional data with the user data of the one or more consumers;storing the transactional data; andnotifying the one or more consumers that the gift card has been purchased by the purchaser.2. The method of claim 1 , further ...

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Номер записи: 95
21-01-2021 дата публикации

Payment application initiated generation of payment instruments

Номер: US20210019729A1
Автор: Ayokunle OMOJOLA, Daniele Perito, Joachim Bekmann, Robert Andersen
Принадлежит: Square Inc

In some examples, a system and method for generating a payment instrument are described. The method includes receiving a unique signature that a recipient intends to associate with the payment instrument; verifying that the received feature meets an acceptability criterion; generating a representation of the received signature, wherein the representation is in a form capable of being physically associated with the payment instrument, and wherein association is established by embedding or exposing the representation on the payment instrument; and causing physical generation of the payment instrument having associated therewith the representation of the signature.

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Номер записи: 96
22-01-2015 дата публикации

Safety information transfer system, device and method based on extended parameter set

Номер: US20150026770A1
Автор: Chunhuan Li, Jiangtao Jian, Jingwen Xu, Wenqiang Wang, Xianqiang Chen
Принадлежит: China Unionpay Co Ltd

The present invention proposes a security information interaction system, device and method based on the extended parameter set. Said security information interaction system based on the extended parameter set comprises a security information interaction device and a security information interaction terminal, wherein said security information interaction device may execute the operations related to the transfer of a resource by means of performing the security information interaction with said security information interaction terminal via a communication interface based on one of a primary parameter set and the extended parameter set. The security information interaction system, device and method based on the extended parameter set disclosed in the present invention may realize the transfer operations of multiple kinds of resource having different attributes, the cost is lower, and the flexible configuration and extension can be realized according to the requirements.

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Номер записи: 97
25-01-2018 дата публикации

Retail point of sale (RPOS) apparatus for internet merchandising

Номер: US20180025346A9
Автор: Driessen James Leonard
Принадлежит:

The present invention is an apparatus for the money transactions required in the selling of merchandise or media content on the Internet and uses at least one in-person contact with the buyer. A predefined transaction originating at a real place of business authorizes access to web content or merchandise from a place off the web. Purchasers (end-users) must physically go to a retail location to choose the Internet media or merchandise shopping cart they wish to acquire where age can be verified if necessary and payment can be made with or without a credit card. Content security using a non-audible or invisible code signal sequence(s) can provide traceability as well as absolute anonymity for the purchaser. This apparatus can be used to conduct transactions off the web so that business can be done on the web. 1. A payment system for preselected and itemized Internet merchandise or itemized downloadable media material objects , comprising:a retail point of sale establishment; anda physical access CARD for sale in said retail point of sale establishment wherein or whereon the access CARD there is URL information that is an Internet transaction location of said preselected and itemized Internet merchandise or itemized downloadable media material objects wherein purchase of the physical access card authorizes an ownership right in the preselected itemized Internet merchandise or itemized downloadable media material objects.2. The payment system of claim 1 , wherein the retail point of sale establishment further comprises: a retail store claim 1 , convenience store claim 1 , vending machine claim 1 , parking lot claim 1 , hallway claim 1 , lobby claim 1 , or other physical place to conduct business.3. The payment system of claim 1 , wherein said ownership rights transaction authorization record further comprises a code.4. The payment system of claim 3 , wherein said code further comprises a scratch off code.5. The payment system of claim 3 , wherein said code further ...

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Номер записи: 98
25-01-2018 дата публикации

System and Method for Targeted Marketing and Consumer Resource Management

Номер: US20180025376A1
Автор: MATHE Jennifer K., Nguyen Khanh, ROBERTS Mark E.
Принадлежит:

Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers. 1. A method for providing to customers a real-time value at a merchant point of sale as part of an award program performed by an enterprise infrastructure comprising one or more processors and non-transitory computer readable memory storing executable instructions , the one or more processors executing the executable instructions to cause the enterprise infrastructure to perform the method comprising:receiving, by the enterprise infrastructure, a plurality of requests from customers, each request comprising a request to create a customer account on the enterprise infrastructure associated with one or more award programs of one or more partners, and in response to each such request, allocating memory on the enterprise infrastructure, the allocated memory defining a personal consumer system account for the customer, and associating the account with at least one award program of one or more partners;receiving by the enterprise infrastructure from a point-of-sale (POS) of a provider transaction data for a consumer involved in a transaction;determining by the ...

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Номер записи: 99
29-01-2015 дата публикации

SYSTEMS AND METHODS FOR BARCODE-BASED GIFT CARD EXCHANGE

Номер: US20150028099A1
Автор: Lingham Vinodan Karthikeya
Принадлежит: Gyft, Inc.

Various of the disclosed embodiments consider systems and methods for the sender of a printed or electronic greeting card to attach one or more virtual or electronic gift cards to that printed or electronic greeting card, so that the recipient of the greeting card can subsequently retrieve and redeem the attached gift cards electronically. Thus, some of the disclosed embodiments provide a system for automating the giving and receiving of electronic gift cards via the medium of the greeting card itself. 1. A computer-implemented method for processing an electronic gift card in association with a physical card , comprising:receiving at least one barcode-based identifier from a sender device, the barcode-based identifier uniquely associated with a physical card;receiving at least one electronic gift card selection from the sender device;storing the at least one electronic gift card selection in association with the at least one barcode-based identifier;receiving the at least one barcode-based identifier from a recipient device; andsending a representation of the at least one electronic gift card selection to the recipient device.2. The computer-implemented method of claim 1 , further comprising:sending a plurality of gift card selections to the sender device based upon the at least one barcode-based identifier.3. The computer-implemented method of claim 1 , further comprising:sending a plurality of gift card selections to the sender device based upon a contextual identifier associated with the at least one barcode-based identifier, wherein each of the plurality of gift card selections are associated with electronic gift cards providing redemption of goods or services related to a context associated with the contextual identifier.4. The computer-implemented method of claim 3 , wherein the context comprises one of: baby-related goods or services; wedding-related goods or services; and vacation-related goods or services.5. The computer-implemented method of claim 1 , ...

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Номер записи: 100