Abstract: System and method for authorizing transactions, such as payments or money transfers. A source entity may initiate a transaction with a target entity via a first communications channel. In initiating the transaction, the source entity may indicate that the transaction is to be performed through a transaction authorization service. The target entity may send a transaction initiation message to the transaction authorization service. In response to receiving the transaction initiation message, the service may authorize the transaction with the source entity via a second communications channel. To authorize the transaction, the source entity may provide a PIN number or other identifier via the second communications channel. After receiving and validating the response from the source entity, the transaction authorization service may inform the target entity that the transaction is authorized. The target entity may then complete the transaction with the transaction authorization service and the source entity.

Abstract: Techniques and apparatuses for providing wallet server information to an entity using a real-time mobile wallet server (MWS) are disclosed herein. The MWS may receive a request for personal information from an entity. The MWS may then display to a user a summary of the request, a list of selections available in the wallet server that may satisfy the request, and a list of selectable response options for the user to choose to respond to the entity. In some aspects, the wallet server may store username and associated passwords, payment information, and/or contact information. In further aspects, the MWS may generate limited-use payment information associated with existing payment information. The MWS may communicate ad hoc messaging to the entity using voice-based or real-time text-based communications over an established communication link between the MWS and entity.

Abstract: Anonymous mobile payments enable a user to make and/or receive payments without disclosing personal or private information to another party. In some aspects, a provider of a payment may request an anonymous payment for a specified value from a host. In response, the host may transmit to the provider a code that is available for redemption. The provider may then relay the code to a recipient, who may redeem the code from the host. In other aspects, a recipient may request a temporary identifier (special code) from a host. The recipient may relay the temporary identifier to a provider, who may in turn transmit a payment, via the host, using the temporary identifier. The recipient may then claim the payment from the host. In additional aspects, the codes of the anonymous payments may include expiration times and/or restrictions on a number of uses of the code.

Abstract: System and method for authorizing transactions, such as payments or money transfers. A transaction authorization mechanism may be provided through which a transaction initiated via a first communications channel may be authorized through a second, separate communications channel or mechanism. A source entity may initiate a transaction to a target entity via a first communications channel to a transaction authorization service. The transaction authorization service may confirm the transaction with the source entity via a second communications channel. Various embodiments may use different communications channels, for example conventional telephone systems, mobile/cellular phone systems, and text messaging systems as the first or second communications channels. After the transaction has been authorized via the second communications channel, the transaction authorization service and/or the source entity may contact the target entity to inform the target entity of the transaction.

Abstract: Various embodiments of a system and method for message-based purchasing are described. The system and method for message-based purchasing may include a message-based purchase service configured to determine that a selection has been performed through a network-based interface. Such selection may be indicative of one or more items offered for sale via the network-based interface. The message-based purchase service may be configured to, in response to the selection of one or more items, send to a communication device, a message indicating a code corresponding to the selection. The message-based purchase service may receive from the communication device through a communication channel that does not include the network-based interface, a message including the code. The message-based purchase service may be configured to, in response to determining that the message received from the communication device includes the code, generate a purchase request for the one or more previously selected items.

Abstract: Various embodiments of a system and method for preventing large-scale account lockout are described. The system and method for preventing large-scale account lockout may include an account access control component configured to prevent fraudulent individuals from locking access to user accounts. The account access control component may lock access to an account after a lockout threshold is tripped. To prevent an account from being locked by fraudulent individuals, the account access control component may utilize a warning threshold.

Abstract: Techniques for providing information to users implemented through personal mobile devices such as cell phones, PDAs, electronic book readers, and other such devices are described herein. The described techniques and systems allow users to request searches, perform information seeking, purchasing, or other types of transactions with a provider via a mobile or wireless network using the messaging service capabilities of the users' mobile devices. Messages may be compiled in a manner customized to a user request and may be provided without the user authenticating to the provider in some instances.

Abstract: Item scarcity resulting from a high demand of the item is addressed by providing users a high demand sale process. In some aspects, users may opt-in to purchase the item in a sale by transmitting a mobile message to a host over a mobile device network prior to a sale of the item. If the user is eligible, the host then attempts to purchase the item on behalf of the user once the sale begins.

Abstract: Various embodiments of a system and method for message-based purchasing are described. The system and method for message-based purchasing may include a message-based purchase service configured to determine that a selection has been performed through a network-based interface. Such selection may be indicative of one or more items offered for sale via the network-based interface. The message-based purchase service may be configured to, in response to the selection of one or more items, send to a communication device, a message indicating a code corresponding to the selection. The message-based purchase service may receive from the communication device through a communication channel that does not include the network-based interface, a message including the code. The message-based purchase service may be configured to, in response to determining that the message received from the communication device includes the code, generate a purchase request for the one or more previously selected items.

Abstract: A transaction processing and authorization service. If a source entity does not respond to an authorization attempt via a communications channel, the service may generate a transaction phrase corresponding to the transaction and communicate the transaction phrase to the source entity. The transaction phrase may also be stored by the service and associated with the source entity's account and the particular transaction as initiated, and may be used to identify the transaction. After receiving the transaction phrase, the source entity may then, if desired, return the transaction phrase to the service. Upon receiving the transaction phrase from the source entity, the service may then contact the source entity via the communications channel to authorize the transaction. As an alternative, a source entity may submit a replay command to the service to replay any pending transactions.

Abstract: Various embodiments of a system and method for personalized commands are described. The system and method for personalized commands may include a payment service including a command management component. Such payment service may be responsive to one or more base commands. The command management component may be configured to generate a user interface for specifying personalized commands that correspond to the base commands. The command management component may be configured to generate mapping information from the information received via the user interface. The command management component may be configured to receive one or more messages that may include commands for the payment service, including personalized commands. From the personalized commands, the command management component may be configured to determine a corresponding base commands (e.g., based on the mapping information). Once the base command is determined, the payment service may perform the base command.

Abstract: A nonvolatile memory device and a manufacturing method thereof are provided. The manufacturing method includes the following steps. First, a substrate is provided. Then, a tunneling dielectric layer is formed on the substrate, and a dummy gate is form on the tunneling dielectric layer. Subsequently, an interlayer dielectric layer is formed around the dummy gate, and the dummy gate is removed to form an opening. Following that, a charge storage layer is formed on the inner side wall of the opening, and the charge storage layer covers the tunneling dielectric layer. Moreover, an inter-gate dielectric layer is formed on the charge storage layer, and a metal gate is formed on the inter-gate dielectric layer. Accordingly, a stacked gate structure of the nonvolatile memory device includes the tunneling dielectric layer, the charge storage layer, the inter-gate dielectric layer, and the metal gate.

Abstract: A method of manufacturing flash memory device is provided and includes the following steps. First, a substrate is provided. Then, a stacked gate structure is formed on the substrate. Subsequently, a first oxide layer is formed on the stacked gate structure. Following that, a nitride spacer is formed on the first oxide layer, wherein a nitrogen atom-introducing treatment is performed after the forming of the first oxide layer and before the forming of the nitride spacer. Accordingly, the nitrogen atom-introducing treatment of the presentation invention can improve the data retention reliability of the flash memory device.

Abstract: A transaction processing and authorization service. A transaction initiation message received from a source entity by the service may include one or more errors. The service may, in response to receiving an incorrect transaction initiation message, contact the source entity via a second communications channel and allow the source entity to correct the faulty transaction initiation message during the communication session. The service may allow the source entity to correct only incorrect or missing portions of the transaction initiation message, and thus the source entity may not be required to re-enter the entire message. Correction of the transaction initiation message may be performed as part of an authorization contact from the service to the source entity on a communications channel, and thus the correction may not require any extra communications attempts or sessions between the service and the source entity.

Abstract: A HV MOS transistor device having a substrate, a gate, a source, a drain, a first ion well of a first conductive type disposed in the substrate, and a plurality of field plates disposed on the substrate is disclosed. The HV MOS transistor device further has a first doped region of a second conductive type positioned in the first ion well. Therefore, a first interface and a second interface between the first ion well and the first doped region are formed, and the first interface and the second interface are respectively positioned near the drain and the source. In addition, the first interface is positioned under a respective field plate to produce a smooth field distribution and to increase the breakdown voltage of the HV transistor device.

Abstract: A high-voltage transistor device has a substrate, an isolation structure, a source, a gate, a drain, a plurality of doped regions, a plurality of ion wells, and a first dielectric layer disposed on the substrate. The high-voltage transistor device further has a first conductive layer and a plurality of first field plate rings. The first conductive layer is electrically connected to the drain and at least one of the first field plate rings.

Abstract: A project management system is enabled to implement filtering, sorting, and field level security for data associated with managed projects. A filter for field selection is prepared by a project client application and forwarded to a project server. The server generates an access attribute table based the user permissions that may be set for each field within the managed projects. Upon retrieving the selected fields from project database, the project server builds a secured list of fields. A data set to be provided to the project client is prepared by removing the fields for which the user lacks the requisite access permission prior to sorting the data. The removed data may be used for user-transparent computations within the project server, but guarded from client applications.

Abstract: Embodiments of a system and method for receiving task requests from unregistered devices are described. Embodiments may include a communication interface service configured to receive from a communication device a message indicative of a request to perform a task. The communication interface service may determine that the communication device is not registered with an existing account that provides information for performing said task. The communication interface service may obtain identification and authentication information for an existing account via a communication channel. The existing account may be an account for that is accessible via a network-based interface. The communication channel through which the identification and authentication information is received by the communication interface service may be any communication channel that does not include the network-based interface of the existing account.

Abstract: Various embodiments of a system and method for message-based purchasing are described. The system and method for message-based purchasing may include a message-based purchase service configured to determine that a selection has been performed through a network-based interface. Such selection may be indicative of one or more items offered for sale via the network-based interface. The message-based purchase service may be configured to, in response to the selection of one or more items, send to a communication device, a message indicating a code corresponding to the selection. The message-based purchase service may receive from the communication device through a communication channel that does not include the network-based interface, a message including the code. The message-based purchase service may be configured to, in response to determining that the message received from the communication device includes the code, generate a purchase request for the one or more previously selected items.

Abstract: A high voltage semiconductor device comprises a substrate, a well, a gate structure, and a source/drain structure in a grade region in a well in the substrate. The gate structure is disposed on the substrate with a portion vertically down into a trench in the well in the substrate and has a relatively small size. The method of fabricating the high voltage semiconductor device comprises forming a first trench for an STI structure and a second trench for a gate structure, depositing an oxide layer on the substrate to fill the first and the second trenches, wherein a void is formed in the second trench, performing a photolithography and etching process to remove a portion of the oxide layer in the second trench, and forming a gate on the gate dielectric layer in the second trench.