Abstract: A user can select one or more friendly funding sources to make a payment. The friendly funding sources are pre-approved by a “friend” of the user and have restrictions for use. When the user desires to make a payment, the user sees one or more friendly funding sources and can choose any combination of friendly funding sources and conventional funding sources for making the payment.

Abstract: Embodiments of the present disclosure relate to a data analysis system that may automatically generate memory-efficient clustered data structures, automatically analyze those clustered data structures, automatically tag and group those clustered data structures, and provide results of the automated analysis and grouping in an optimized way to an analyst. The automated analysis of the clustered data structures (also referred to herein as data clusters) may include an automated application of various criteria, rules, indicators, or scenarios so as to generate scores, reports, alerts, or conclusions that the analyst may quickly and efficiently use to evaluate the groups of data clusters.

Abstract: A method is provided for carrying out commercial transactions. The method includes the steps of: establishing a transaction processing system on an electronic communications network; establishing an account within the transaction processing system for a corresponding account holder; obtaining from the account holder a session description of acceptable future commercial transactions related to the account; administering commercial transactions carried out via the transaction processing system; and, verifying that administered commercial transactions related to the account meet one or more of the session description.

Abstract: The present invention is an integrated electronic credit application, contracting, and securitization system and method. In one embodiment, the present invention comprises the following integrated components: a Credit Application Module, an eContracting Module and an eDocument Storage Module. Together the components enable “paper-lese” commercial transactions.

Abstract: A payment card comprises a supporting body with a controller provided with an inner memory in which identification data of a user and the issuing institution are stored. In addition the card provides a connection interface combined with the controller for the connection with an outside device. The connection interface is a connection port incorporating a male portion and a female portion arranged, one with respect to the other, according to a specific layout rendering such a port a “hermaphrodite” port, that is able to couple with a port having an identical geometry. The connection port further comprises a plurality of electric contact elements combined with the male portion and/or the female portion. A method referring to virtual transfer of money between two payment cards is further described.

Abstract: A securities processor includes non-volatile storage, a first-in-first-out queue maintained in the non-volatile storage to store events, a random access memory, and an order book maintained in the random access memory to store one or more events corresponding to quotes or outstanding orders related to a security. A matching process receives the events from the queue, determines whether the event can be matched with a contra-side event stored in the order book, and executes a transaction between the received event and a matched contra side event if a match is found.

Abstract: A method and system (1) for incorporating legacy systems in a service oriented architecture (SOA) includes decoupling legacy system business services from legacy system data services by creating, from the legacy system business services and data services, a set of (e.g. Java WebSphere®) SOA business services (5a-5c) for transactions and (e.g. DB2) stored procedures (7a-7d) for SOA data services. The business services are constructed from one or more data services and the transactional integrity of the transaction is maintained, in use. The stored procedures may be written to a transaction log and a check made to verify that all of the stored procedures from which the business service is constructed have been written to the log.

Abstract: Systems and methods for adaptation of content to mobile devices. A mobile device type can be identified based upon a request originating from the mobile device. Content can also be identified based upon the request. The content can be converted based upon the mobile device type and the converted content can be served to the mobile device.

Abstract: Certain example embodiments of the disclosed technology may include systems and methods for telematics monitoring. An example method is provided that includes receiving, at a mobile computing device, and from a Vehicle Identification Unit (VIU), identification (ID) data representing a first vehicle. The method further includes receiving, by the mobile computing device, sensor data from one or more sensors associated with the mobile computing device. Certain embodiments may further include receiving, at an Operational Measurement Unit (OMU), an operation indication associated with the first vehicle. The OMU may include an operational measurement component configured to advance an operational count in response to receiving the operation indication. Certain example embodiments may include transmitting telematics data by the mobile computing device. In certain embodiments, the telematics data may include least a portion of one or more of the ID data, the sensor data, and/or the operational count data.

Abstract: An Internet use profile is created by a parent or guardian of an Internet user via a client-side software application at the user's computer. The use profile is submitted via the Internet to an intelligent network component. The use profile sets the duration for Internet use in general and sets the duration for access to particular Internet sites such as chat rooms, shopping sites, etc. The use profile is stored locally on the user's computer and remotely at the intelligent network component. When the user attempts to log on to the Internet via her Internet service provider, the client-side application verifies that the user computer has not already exceeded allowed Internet connection time in a previous Internet connection. If not, the connection to the Internet is allowed. After the connection is established, an Internet usage monitoring and controlling application at the intelligent network component monitors the time of connection between the user computer and the Internet.

Abstract: System, for selecting and purchasing products or services from a predetermined manufacturer or retailer, including a first device, in the form of a physical receptacle, for containing a plurality of second devices for presentation of a product or service from an assortment of products and/or services from a predetermined manufacturer, provider and/or retailer, each product or service for which a second presentation device is contained by the first device being selected from the assortment, and wherein the system also includes a voucher of a nominal value to be used for purchasing a product and/or service chosen from the assortment.

Abstract: A gift system for selecting and purchasing products or services at a fixed price, including: a box containing a plurality of samples for presentation of a product or service of a single type, each product or service for which a sample is contained having an identical fixed price paid by the acquirer of the system; and a voucher for ordering a product or service chosen from among those for which a sample is contained in the box.

Abstract: The disclosed subject matter provides for fraud analysis for a location aware transaction. In an aspect, location information can be associated with historical fraud events. The location of user equipment can be analyzed against historical fraud information to facilitate determination of a fraud factor value. The fraud factor value can reflect a determination related to the likelihood of fraud occurring in the present transaction based on the historic fraud events at the same or similar location as the present location of the user equipment. The determination can be based on fraud rules. Further aspects provide for abstraction of the fraud factor to limit exposure of personal information associated with wireless carrier subscribers in fraud analysis for a location aware transaction.

Abstract: Embodiments of the invention provide methods and systems for performing a payment transaction. A method for performing a payment transaction may include receiving purchase information from a merchant and associating the purchase information with an identifier. The method may also include transmitting the identifier to the merchant and receiving the identifier from a wireless device of a customer. The wireless device may obtain the identifier by receiving a code from a merchant device and by interpreting the code. The method may additionally include associating the identifier with the purchasing information, determining a payment account associated with the customer, transmitting a request to a payment service provider system to provide funds for the payment transaction, and receiving an authorization from the payment service provider system to provide the funds. The method may additionally include transmitting a confirmation of the authorization to the merchant.

Abstract: A processing a device (D), for a network equipment element (RP) of a communication network equipped with an accounting and billing management module, includes processing means (MT) which are tasked, firstly, to determine, from values representing selected local parameters of their equipment element (RP) and/or of selected traffic streams received by this equipment element (RP), associated with the identifier of a customer in the network, usage data concerning the resources of the network corresponding to said customer identifier, and secondly, to transmit these usage data, and the identifier associated with them, to the accounting and billing management module for a possible billing of the customer designated by this identifier.

Abstract: The present invention is directed to a transaction network that facilitates and simplifies purchase transactions between any number of customers and any number of merchants. The transaction network is primarily utilized in the sale and purchase of digital content via a network such as the Internet. The transaction network registers and authenticates customer purchase activities and maintains customer account data including payment information. Once registered, a customer will generally not register again for further purchase activities at participating merchant sites. Additionally, the transaction network provides a single, central authentication mechanism for all participating merchant sites using a single customer identifier and password. Further, the transaction network accumulates purchase information across all of the merchant sites and the ultimate payment processing of those purchase transactions.

Abstract: Certain example embodiments of the disclosed technology may include systems and methods for telematics monitoring. An example method is provided that includes receiving, at a mobile computing device, and from a Vehicle Identification Unit (VIU), identification (ID) data representing a first vehicle. The method further includes receiving, by the mobile computing device, sensor data from one or more sensors associated with the mobile computing device. Certain embodiments may further include receiving, at an Operational Measurement Unit (OMU), an operation indication associated with the first vehicle. The OMU may include an operational measurement component configured to advance an operational count in response to receiving the operation indication. Certain example embodiments may include transmitting telematics data by the mobile computing device. In certain embodiments, the telematics data may include least a portion of one or more of the ID data, the sensor data, and/or the operational count data.

Abstract: Methods and corresponding system are provided herewith that, in at least one embodiment, include the act or acts of determining a first instance in which a first request is received by an exchange; determining a second instance in which a second request is received by the exchange, in which the second request defines a request to cancel the first request; determining a third instance in which a third request is received by the exchange, in which the third request corresponds to the first request; calculating a first difference between the second instance and the third instances; storing the first difference to a data storage, in which the data storage comprises a plurality of differences; and analyzing the plurality of differences to generate comparative information.

Abstract: A transaction is conducted at a merchant location using redeemed loyalty points maintained in a loyalty point account for a customer. The transactions are conducted using a mobile device at a POS terminal. In response to receiving a customer ID from the mobile device, a loyalty server provides the monetary value of loyalty points. The customer may use the mobile device to redeem those points and have the value transferred into a financial account. A payment processing system connected to the POS terminal completes the transaction using the financial account.

Abstract: A system and method of determining a model default swap spread for a firm which includes the following steps: (i) determining a calibration group of the firm, wherein the calibration group comprises other firms having a region, a sector and a coarse quality related to the firm; (ii) setting firm leverage variables through combining observable data with a value of at least one model parameter; (iii) calibrating variables based on the calibration group; (iv) calculating the model default swap spread based on at least one of calibration variables; and (v) storing the model default swap spread.