Abstract: Systems and methods for online billpay using credit products are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for online billpay using a credit product may include: (1) receiving, from a customer, an identification of a merchant for online credit-based bill pay; (2) retrieving accepted payment mechanisms from the merchant; (3) selecting a payment mechanism from the accepted payment mechanisms; (4) receiving an invoice for a customer transaction with the merchant from the merchant; (5) conducting a payment transaction with the selected payment mechanism; and (6) charging the payment transaction to a credit account associated with the customer.

Abstract: Various methods, apparatuses/systems, and media for detecting a target behavior are disclosed. A processor implements a machine learning cadence model that implements an algorithm to obtain, on a per session basis, cadence data that indicates average time between each call and a standard deviation of times across each call across all active sessions of a desired target. The processor compares the cadence data to predefined background cadence data to identify whether the desired target is a new threat target or a background traffic; generates an internet protocol (IP) address of the new threat target; inputs the IP address of the new threat target into a machine learning behavior model that implements an algorithm to generate a fingerprint of all known places that the new threat target is operating; and applies a mitigation algorithm to all active sessions of the new threat target.

Abstract: Systems and methods for online billpay using credit products are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for online billpay using a credit product may include: (1) receiving, from a customer, an identification of a merchant for online credit-based bill pay; (2) retrieving accepted payment mechanisms from the merchant; (3) selecting a payment mechanism from the accepted payment mechanisms; (4) receiving an invoice for a customer transaction with the merchant from the merchant; (5) conducting a payment transaction with the selected payment mechanism; and (6) charging the payment transaction to a credit account associated with the customer.

Abstract: A method for performing an Internet search is provided. The method includes: receiving a textual input that includes at least one search term; using the at least one search term to identify a plurality of Internet-accessible information items that relate to the at least one search term; assigning a respective relevance score to each item of the identified plurality of Internet-accessible information items, such that each respective relevance score is based on a degree of closeness of a textual match between the corresponding information item and the at least one search term; and outputting an ordered list of results, the order of which is based on the relevance scores.

Abstract: Various methods, apparatuses/systems, and media for detecting a target behavior are disclosed. A processor implements a machine learning cadence model that implements an algorithm to obtain, on a per session basis, cadence data that indicates average time between each call and a standard deviation of times across each call across all active sessions of a desired target. The processor compares the cadence data to predefined background cadence data to identify whether the desired target is a new threat target or a background traffic; generates an internet protocol (IP) address of the new threat target; inputs the IP address of the new threat target into a machine learning behavior model that implements an algorithm to generate a fingerprint of all known places that the new threat target is operating; and applies a mitigation algorithm to all active sessions of the new threat target.

Abstract: A computer-implemented method includes authorizing a transaction received from a third party device that is associated with a customer account stored in a customer database, and generating a transaction identifier associated with the transaction and a temporary email address. The method also includes mapping the temporary email address to a customer email address in the customer database, communicating the temporary email address to the third party device, and receiving transaction data via the temporary email address. Additionally, the method includes initiating an automatic transfer of funds, automatically forwarding the transaction data to the customer email address, and monitoring a certain amount of time that the transaction identifier is valid after the transaction is completed.

Abstract: A method for performing an Internet search is provided. The method includes: receiving a textual input that includes at least one search term; using the at least one search term to identify a plurality of Internet-accessible information items that relate to the at least one search term; assigning a respective relevance score to each item of the identified plurality of Internet-accessible information items, such that each respective relevance score is based on a degree of closeness of a textual match between the corresponding information item and the at least one search term; and outputting an ordered list of results, the order of which is based on the relevance scores.

Abstract: A computer-implemented method includes authorizing a transaction received from a third party device that is associated with a customer account stored in a customer database, and generating a transaction identifier associated with the transaction and a temporary email address. The method also includes mapping the temporary email address to a customer email address in the customer database, communicating the temporary email address to the third party device, and receiving transaction data via the temporary email address. Additionally, the method includes initiating an automatic transfer of funds, automatically forwarding the transaction data to the customer email address, and monitoring a certain amount of time that the transaction identifier is valid after the transaction is completed.

Abstract: Systems and methods for biometric authentication with liveness detection are disclosed. According to one embodiment, in an information processing apparatus including at least a memory, a communication interface, at least one computer processor, and a display, a method of determining a graphical interactive password may include: (1) sequentially providing a plurality of graphical interactive interfaces for a user on the display; (2) receiving inputs to the each of the graphical interactive interfaces, the inputs comprising a plurality of movements to move a graphical element displayed on the display and timings of the plurality of movements; (3) identifying a behavioral pattern for the user based on the inputs; (4) determining a uniqueness of the identified behavioral pattern by comparing the identified behavioral pattern to a plurality of stored behavioral patterns for other users; and (5) saving the identified behavioral pattern as a password for the user.

Abstract: According to one embodiment, a system comprises a customer database operable to store a customer account associated with a customer of an enterprise. The system also comprises a transaction module operable to receive, from a third party, a request to authorize a transaction. The transaction module is further operable to authorize the transaction and generate, in response to the authorized transaction, a transaction identifier to identify the transaction. The system further comprises a temporary email generator operable to generate a temporary email address for the transaction in response to the generated transaction identifier, link the temporary email address to a customer email address, and communicate the temporary email address to the third party. Additionally, the system comprises an integration module operable to receive transaction information from the third party and store the transaction information, wherein the transaction information is associated with the temporary email address.

Abstract: A system controls a transaction from initiation to completion using live vendor inventory database and purchaser entered parameters from a mobile application. A network interface receives parameters entered by the subscribers through the mobile application on the subscriber mobile device and receives inventory updates from vendor systems, the inventory updates including at least a vendor price and identifying information. The system communicates with an accounts server to confirm subscriber funds and place a hold on subscriber funds equal to the required subscriber price and implementing a matching algorithm to detect matching results by determining if any vendor prices and identifying information satisfy any required subscriber prices and descriptions. The system transmits an alert to the subscriber mobile device with matching results, receives a selection from the subscriber of at least one of the matching results, conducting payment processing for the matching result and closes the transaction.

Abstract: Systems and methods for online billpay using credit products are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for online billpay using a credit product may include: (1) receiving, from a customer, an identification of a merchant for online credit-based bill pay; (2) retrieving accepted payment mechanisms from the merchant; (3) selecting a payment mechanism from the accepted payment mechanisms; (4) receiving an invoice for a customer transaction with the merchant from the merchant; (5) conducting a payment transaction with the selected payment mechanism; and (6) charging the payment transaction to a credit account associated with the customer.

Abstract: According to one embodiment, a system comprises a customer database operable to store a customer account associated with a customer of an enterprise. The system also comprises a transaction module operable to receive, from a third party, a request to authorize a transaction. The transaction module is further operable to authorize the transaction and generate, in response to the authorized transaction, a transaction identifier to identify the transaction. The system further comprises a temporary email generator operable to generate a temporary email address for the transaction in response to the generated transaction identifier, link the temporary email address to a customer email address, and communicate the temporary email address to the third party. Additionally, the system comprises an integration module operable to receive transaction information from the third party and store the transaction information, wherein the transaction information is associated with the temporary email address.

Abstract: A system is configured to receive, from a content provider, traffic associated with a data service and that is destined for a group of user devices; retrieve service information, associated with the data service, that includes a value, associated with the data service, that represents a level of service quality associated with the data service; determine whether the traffic is authorized to be transmitted to the user devices based on the value; discard the traffic based on a determination that the value is less than a threshold; process the traffic to identify whether a condition is associated with the traffic based on a determination that the value is not less than the threshold; transmit the traffic to one or more of the user devices based on a determination that the traffic is not associated with a condition; and discard the traffic based on a determination that the traffic is associated with a condition.

Abstract: An approach for providing virtual throwing of objects is described. Execution of virtually throwing an object as represented by a first application on a first mobile device is detected. Throwing data for the object using sensor information and location information of the first mobile device is determined. A second mobile device is selected as a candidate to virtually catch the object as represented by a second application on the second mobile device based on the throwing data and location information of the second mobile device. A successful catch of the object by the second mobile device is determined based on the throwing data and the location information of the second mobile device.

Abstract: An application is installed on a user device based on context information of another user device. A retail service platform determines that context information of a user device satisfies pre-defined context information, initiates installation of an application on the user device based on the pre-defined context information, and then initiates installation of the application on another user device based on a request from the (first) user device. The retail service platform determines to uninstall the application from the other user device based on a change in the context information of the (first) user device.

Abstract: An approach for determining a representation of a physical object, the representation indicating at least one of a color, a texture, and a pattern associated with the object, comparing the representation to one or more reference representations on a basis of at least one of the color, the texture, and the pattern, selecting one of the plurality of reference representations based on the comparison; and determining one or more physical items associated with the one reference representation, is presented.

Abstract: A set of inbound data is received in a computer. At least one attribute of the inbound data is determined. The inbound data is parsed. A set of staging records is generated in the computer that include at least some of the inbound data in one or more fields included in each of the staging records. It is determined that at least some of the staging records are ready for migration to a target environment. The staging records are migrated to the target environment in the computer.

Abstract: An approach for providing electronic media on clothing is described. A media to be presented on a wearable device that includes one or more displays is determined. A determination is made as to whether the wearable device is registered with a media delivery service offered by a service provider. The transfer of the media is initiated over a wireless network to a mobile device if the wearable device is registered with the media delivery service, wherein the media is presented on the one or more displays of the wearable device.

Abstract: An approach for call failover to a packetized voice session is described. Impending signal failure is detected on a cellular link supporting a cellular call with a user device. A failover procedure is initiated in response to the detection, wherein the failover procedure includes detecting presence of a wireless data connection, and terminating the cellular call and concurrently activating a voice call application to establish a packetized voice session over the wireless data connection with the user device.