Abstract: A method includes selecting, by at least one hardware processor of a first database deployment, data for transmission to a second database deployment. The data includes a plurality of files forming a data stream. At least a first file of the plurality of files is encoded using a first encryption key which is stored in at least a second file of the plurality of files. The at least a first file is further encoded to include a second encryption key associated with at least a third file of the plurality of files. A set of nodes is identified in a virtual private network connected to the first and second database deployments. The data stream is transmitted from the first database deployment to the second database deployment via the set of nodes of the virtual private network that is connected to the first database deployment and the second database deployment.

Abstract: A system that communicates information is described. This system includes: a network interface, a proxy device coupled to the network interface, and an interface node coupled to the proxy device and configured to couple to a channel. Note that the network interface is configured to transmit outbound messages from the system to a location and to receive inbound messages to the system from the location, and the channel is configured to convey the outbound messages and the inbound messages. Moreover, the proxy device is configured to inspect a given message inbound or outbound based on a pre-determined profile of the location and pre-defined communication rules. Then, the proxy device is configured to restrict the given message based on a result of the inspection, where the restriction occurs after the system begins a communication session with the location and is performed for the duration of the communication session.

Abstract: Various embodiments of systems and methods for direct depositing funds (e.g., consumer coin value, paper cash value, etc.) into an account at a bank or other financial institution are disclosed herein. In some embodiments, the systems and methods described herein enable a consumer to pour a batch of loose coins into a coin counting kiosk and have the coin value deposited directly into one of the consumer's accounts at a financial institution (e.g., a debit card account, credit card account, savings account, checking account, etc.) by swiping their bank card through (or inserting their bank card into) a card reader at the kiosk and selecting the desired transaction.

Abstract: A system that communicates information is described. This system includes: a network interface, a proxy device coupled to the network interface, and an interface node coupled to the proxy device and configured to couple to a channel. Note that the network interface is configured to transmit outbound messages from the system to a location and to receive inbound messages to the system from the location, and the channel is configured to convey the outbound messages and the inbound messages. Moreover, the proxy device is configured to inspect a given message inbound or outbound based on a pre-determined profile of the location and pre-defined communication rules. Then, the proxy device is configured to restrict the given message based on a result of the inspection, where the restriction occurs after the system begins a communication session with the location and is performed for the duration of the communication session.

Abstract: A system that communicates information is described. This system includes: a network interface, a proxy device coupled to the network interface, and an interface node coupled to the proxy device and configured to couple to a channel. Note that the network interface is configured to transmit outbound messages from the system to a location and to receive inbound messages to the system from the location, and the channel is configured to convey the outbound messages and the inbound messages. Moreover, the proxy device is configured to inspect a given message inbound or outbound based on a pre-determined profile of the location and pre-defined communication rules. Then, the proxy device is configured to restrict the given message based on a result of the inspection, where the restriction occurs after the system begins a communication session with the location and is performed for the duration of the communication session.

Abstract: A disbursement computing device for transmitting disbursements from a payor to a payee through a payment processing network is provided. The disbursement computing device is configured to receive a disbursement message including at least one disbursement payment instruction for transferring funds from a commercial disbursement financial account of a payor to a financial account of a payee. The disbursement computing device is also configured to automatically transmit, for each disbursement payment instruction, a purchase authorization request message to an issuer bank associated with the payor, and receive a payment authorization message from the issuer bank associated with the payor that the commercial disbursement financial account has a balance that is at least equal to a disbursement amount. The disbursement computing device is further configured to initiate a transfer of funds equal to the disbursement amount from the financial account of the payor to the financial account of the payee.

Abstract: A disbursement computing device for transmitting disbursements from a payor to a payee through a payment processing network is provided. The disbursement computing device is configured to receive a disbursement message including at least one disbursement payment instruction for transferring funds from a commercial disbursement financial account of a payor to a financial account of a payee. The disbursement computing device is also configured to automatically transmit, for each disbursement payment instruction, a purchase authorization request message to an issuer bank associated with the payor, and receive a payment authorization message from the issuer bank associated with the payor that the commercial disbursement financial account has a balance that is at least equal to a disbursement amount. The disbursement computing device is further configured to initiate a transfer of funds equal to the disbursement amount from the financial account of the payor to the financial account of the payee.

Abstract: Some embodiments of the present invention provide a system that facilitates interactivity during automated web-site accesses. During operation, the system executes a script which automatically accesses one or more websites. While executing the script, the system retrieves user-specific data associated with a user. The system then uses the user-specific data to access a target website. While accessing the target website, the system receives an interactivity request which the system presents to the user. The system then receives a response to the interactivity request from the user, and forwards the response to the website.

Abstract: A disbursement computing device for transmitting disbursements from a payor to a payee through a payment processing network is provided. The disbursement computing device is configured to receive a disbursement message including at least one disbursement payment instruction for transferring funds from a commercial disbursement financial account of a payor to a financial account of a payee. The disbursement computing device is also configured to automatically transmit, for each disbursement payment instruction, a purchase authorization request message to an issuer bank associated with the payor, and receive a payment authorization message from the issuer bank associated with the payor that the commercial disbursement financial account has a balance that is at least equal to a disbursement amount. The disbursement computing device is further configured to initiate a transfer of funds equal to the disbursement amount from the financial account of the payor to the financial account of the payee.

Abstract: A mobile payment platform and service provides a fast, easy way to make payments by users of mobile devices. The platform also interfaces with nonmobile channels and devices such as e-mail, instant messenger, and Web. In an implementation, funds are accessed from an account holder's mobile device such as a mobile phone or a personal digital assistant to make or receive payments. Financial transactions can be conducted on a person-to-person (P2P) or person-to-merchant (P2M) basis where each party is identified by a unique indicator such as a telephone number or bar code. Transactions can be requested through any number of means including SMS messaging, Web, e-mail, instant messenger, a mobile client application, an instant messaging plug-in application or “widget.” The mobile client application, resident on the mobile device, simplifies access and performing financial transactions in a fast, secure manner.

Abstract: Method and system for authenticating the identity of a party to a transaction being executing over wired or wireless networks, using a personal device. A transaction system is adapted to receive messages over a network from a connected device, where the messages are intended to initiate a transaction. The system comprises authentication rules and an associated engine for identifying the type of transaction and, for each type of transaction, whether MFA is required. If so, the necessary MFA attributes are requested, thus permitting completion of the transaction in a comparatively secure manner and also permitting management of the accounts associated with the party.

Abstract: Some embodiments of the present invention provide a system that facilitates interactivity during automated web-site accesses. During operation, the system executes a script which automatically accesses one or more websites. While executing the script, the system retrieves user-specific data associated with a user. The system then uses the user-specific data to access a target website. While accessing the target website, the system receives an interactivity request which the system presents to the user. The system then receives a response to the interactivity request from the user, and forwards the response to the website.

Abstract: A system and method for aggregating a user's financial data for submission to a third party, as part of a loan application or other transaction. The data may include asset data (e.g., statements from bank accounts, investment accounts, retirement accounts), credit data (e.g., statements from credit providers), payroll data (e.g., a W2 statement, pay stubs), tax return data, insurance data, a credit report, etc. The system elicits information from the user to use in retrieving the data (e.g., institution name, account number, login information), retrieves the data and may validate some or all of it (e.g., to ensure it is the user's data). Tax return data may be retrieved from the user's computing device or may already be stored in the system. The system serves the data to the third party and may also package selected data for submission to another party (e.g., a loan purchaser or underwriter).

Abstract: Footwear includes an outer sole and an upper and a body between the upper and the sole. Within that body there is a camera unit and part of the camera is mounted on the outer sole. The sole can have different portions, namely, one or more sole portions. In the one or more sole portions, there is room to accommodate a view screen associated with the camera. The screen can be located towards the toe portion of the footwear. A lens can be located in the toe portion of the footwear and as such may extend through the material, which is upwardly directed from the sole. There can be a flap of material to cover the lens.

Abstract: A footwear unit for entertainment is in the form of a vehicle which is motorized and which can be controlled through a remote controller operating wirelessly to a receiver on the vehicle. The body of the vehicle is formed by the upper and sole portion of a shoe. The motorized mechanism is contained in the body of the shoe and the wheels are located the sides of the perimeter of the shoe as defined by the sole perimeter.

Abstract: Financial Data Collector System that accepts a request from a financial messaging protocol server for financial account information, utilizes HTML Web page parsing to access a consumer's online financial account information from an Internet Web site, and returns the information in a message response. This system utilizes HTML parsing technology to emulate a consumer accessing online financial account information. Relevant data is parsed from the captured Web pages and download files, normalized, and returned in a formatted message response to the requester. This system provides a flexible, low cost, and quick to market implementation over existing solutions.