Abstract: The invention provides a method for the generation and storage of data for manufactured items in a batch of manufactured items that reduces data storage requirements.

Abstract: A hand held computer based device includes expense transaction software equipped with an electronic (near field) communication device to receive an electronic signal and wherein the expense transaction software obtains transaction information data in the electronic signal for either storing locally on the hand held computer based device or transmitting the transaction information data to a remotely located processor.

Abstract: 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.

Abstract: Embodiments of the invention are directed to methods, systems, and computer program products pertaining to obtaining, providing, and using dynamic card verification values for portable consumer devices, such as credit cards and debit cards. An exemplary method comprises receiving, at a server, a request for a device verification value for a portable consumer device associated with a user; obtaining, at the server, a datum indicative of a device verification value for a portable consumer device; and sending, from the server, the datum to at least one of a phone number or network address of a personal communication device associated with the user.

Abstract: Systems and methods of managing payments for services or products are disclosed. Billing system data is extracted or accessed to provide business intelligence and. Visit charges from multiple billing systems can be aggregated to guarantor accounts within or across multiple billing systems and provide a single statement of charges for a given time period. Accounts are accessible online. Accounts can be linked to delegate management authority of a first guarantor's account to a second (manager) guarantor. Visit charges for linked accounts are included in the manager guarantor's statement an online access. Open charges balances can be brokered or transferred to a new asset holder. Pre-determined payment options can be configured by a provider, asset holder, and/or potential asset holder. The pre-determined payment options can include an option for financing a balance. A configurable financing option may enable a guarantor to request terms and receive automatic approval, subject to authorized terms.

Abstract: An apparatus, method and computer program product for identifying fraud in transaction data. The method includes: receiving invoice data comprising a vendor, a requestor and events, receiving public data and private data sources, computing a vendor risk score using the public and private data sources matching the vendor of the invoice data, computing a requestor risk score using the public data sources and the private data sources matching the requestor of the invoice data, computing an active invoice score using the vendor risk score and the requestor risk score and when the active invoice score is greater than a predetermined amount, blocking the invoice data. In one embodiment, computing a vendor risk score comprises obtaining a weight and a confidence for the event, calculating an event vendor risk score using the weight times the confidence and combining the event vendor risk scores for all of the events.

Abstract: According to some embodiments, transaction information associated with payments made via a payment account may be retrieved from a transaction database. The retrieved transaction information may then be analyzed to automatically determine periodic payment information (e.g., associated with a subscription or membership) associated with the payment account. The automatically determined periodic payment information may then be output. For example, a predicted next periodic payment due date might be calculated and output.

Abstract: A method for determining a future financial requirement of a business entity. The method includes obtaining a propensity model. The propensity model models how data of the business entity relates to a future financial requirement of the business entity. Also, the method includes gathering the data of the business entity. The data is created based on a platform utilized by the business entity, and the data of the business entity matches at least a subset of the propensity model. In addition, the method includes scoring the business entity by applying the propensity model to the data of the business entity. The method also includes generating, based on the score of the business entity, a classification of the future financial requirement of the business entity. Further, the method includes transmitting a message to the business entity based on the classification of the future financial requirement of the business entity.

Abstract: A professional services audit tool is disclosed that includes an application that performs a variety of functions such as completing certain audit planning processes/forms, offering a tailored set audit programs based on the assessed risks, allowing users to further tailor the suggested audit programs, and rendering these audit programs in a helpful format. The application also provides functionality to perform and document audit work, guide the auditor though the engagement process, isolate audit program steps by related assertions and identified risks to ensure that audit plans are tailored to specific risks, provide an engagement dashboard to view at a glance both the overall audit and for each audit area, the steps which are not yet started, in progress, or completed, and allow for the integration of generated documents to be automatically stored to, accessed from, and synchronized with various external engagement management systems.

Abstract: Methods, systems, and computer readable media for managing order processing and fallout are disclosed. One exemplary method includes processing, in accordance to an orchestration plan, an order entity containing an order item, wherein the orchestration plan is functioning on a processing layer executed by electronic order management system. The method further includes respectively receiving, from each of one or more orchestration order components associated with the orchestration plan, state information corresponding to a child order item contained in a child order entity, wherein the state information respectively received by each of the one or more orchestration order components is respectively reflected in an order component order item included within the one or more orchestration order components and determining a current processing state for the order item by aggregating the state information reflected in all of the order component order items.

Abstract: Methods, systems, and apparatus include computer programs encoded on a computer-readable storage medium, including a method for suggesting products from available parts. A plurality of available parts in an inventory is identified, including identifying at least one assembly of plural individual parts or sub-assemblies. For each assembly, plural sub-assemblies or individual parts included in a respective assembly are determined. An inventory list is created that includes the plurality of available parts, the at least one assembly, and the determined sub-assemblies or individual parts of an assembly. An inventory of products is identified that constitute assemblies. Each product in the inventory of products has a respective parts list identifying parts required to build the product. The inventory list is evaluated including comparing the inventory list to the inventory of products to locate candidate products constructible using the elements included in the inventory list. Product suggestions are output.

Abstract: A system and method for delivering a desired product or products to a remote consumer using a product vending and tube delivery system capable of delivering selected products from a business to the remote consumer. A selector coupled to the product vending machine removes the selected products from designated compartments inside the vending machine and deposits the product either into a pneumatic tube or a canister inside a non-pneumatic tube. The product is then delivered through the tube to a remote consumer. The system is capable of delivering multiple products to multiple consumers in a short period of time with little to no human intervention.

Abstract: A system and method for processing electronic devices to determine removal of customer personal information (CPI). An electronic device is connected to a test device. A number of electronic devices including the electronic device are received for determining that the CPI is removed from a number of sources. The number of electronic devices include a number of makes and models of electronic devices. A determination of whether CPI is included on the electronic device is made. An identification of the electronic device is recorded in response to determining that CPI is included on the electronic device. The CPI is cleared form the electronic device in response to determining that the CPI is included on the electronic device. The identification of the electronic devices and metadata is reported in response to determining the CPI was included on the electronic device.

Abstract: The disclosed systems, methods, apparatuses, and computer programs embodied on computer-readable media may enable a shipping carrier to determine the utilization of a trailer in a delivery network by receiving and aggregating disparate types and sources of shipping information, including, for example, package billing data from a customer order, scan data from the loading and unloading of packages transported by the trailer, dimensional data received from dimensional scans of packages at carrier shipping hubs, and/or trailer data including the volume of the trailer. Utilization may be determined for each trailer in a carrier delivery network or for a subset of trailers in the network. The determined utilizations may be used to determine the parameters for an optimized delivery network, which may include the addition, elimination, and/or modification of the delivery schedule.

Abstract: A system and method for performing a financial transaction may include processing a purchase transaction for products for purchase by a customer to determine a transaction amount. A communication with a mobile device of the customer may include communicating a store identifier, POS identifier, and the transaction amount. In response to receiving an approval number for the purchase transaction from a financial institution of the customer, completing the purchase transaction for the purchase of the products by the customer.

Abstract: A system and method to facilitate discovery and reservation of travel options suitably include routing processing, flight selection processing, and fare validation processing. Flight selection processing generates flight combinations for each routing discovered by the routing processing. Not all flight combinations are allowed to proceed thus permitting better flight combinations to emerge. Fare validation processing loads fares, checks availability, and validates them according to the specifics associated with each fare. A list of low cost travel solutions is returned to a travel consumer.

Abstract: Discrete resource tracking systems (and corresponding methodologies) that collect, tag and store resource consumption and usage values associated with industrial environment processes are provided. The specification can track water, air, gas, electricity, or steam consumption and usage view of a discrete (or batch) processes. Emissions and/or effluents associated with processes and sub-processes can also be collected, tagged and stored as desired. These stored resource consumption and usage and/or emissions and/or effluents data elements can be used for a variety of purposes including, but not limited to, simulation, planning, forecasting, valuating, optimizing, etc.

Abstract: A computer implemented method for adding value to a stored value card in excess of the purchase price for the stored value card is provided. In one embodiment a stored value card transaction processor receives an activation or redemption request for a stored value card from a point of sale terminal. The activation or redemption request comprises at least one of a card identification, a point of sale terminal identification, a merchant identification, and an activation time which is compared to data stored in a stored value card datastore to determine if the stored value card to be activated is eligible for a value added award. The processor then determines the value added award and modifies the request to include the value added award. The processor then transmits the modified request to the card issuer authorization system and receives a response which is forwarded to the point of sale terminal.

Abstract: A method for competing mobile payment offers includes presenting a payment request based on a purchase request to an electronic device. A transaction description based on the payment request is forwarded to one or more payment providers. One or more payment offers are received from the one or more payment providers on the electronic device. A payment method is selected for the purchase request based on the received one or more payment offers. The purchase request is completed using the selected payment method.

Abstract: An example method of wirelessly providing power to a receiver by a transmitter includes: (i) receiving, by a transmitter management device, information defining charging criteria, (ii) detecting a client device connected to the receiver, and (iii) in response to the detecting, determining whether the charging criteria are satisfied. The method further includes, in accordance with a determination that the charging criteria are satisfied, transmitting RF waves to form three-dimensional pockets of energy for providing power to the client device. The method also includes sending, to the transmitter management device that is remote from the transmitter, information (i) about an amount of power delievered to the client device, (ii) about a wireless utilization level of the transmitter, and (iii) about the location of the client device, wherein the transmitter management device generates a bill that is based on the information.