Abstract: An article of footwear includes a sole structure and an upper secured to the sole structure. The upper includes a first portion forming the hindfoot section of the upper and a second portion forming the forefoot section of the upper. The first portion is a textile laminate including an inner layer facing the cavity, an outer layer forming an exterior of the shoe, and an intermediate layer disposed between inner and outer layers. The second portion is textile possessing a unitary knit construction.

Abstract: An article of footwear includes a sole structure and an upper secured to the sole structure. The upper includes a first portion forming the hindfoot section of the upper and a second portion forming the forefoot section of the upper. The first portion is a textile laminate including an inner layer facing the cavity, an outer layer forming an exterior of the shoe, and an intermediate layer disposed between inner and outer layers. The second portion is textile possessing a unitary knit construction.

Abstract: A method for identifying fraud merchant descriptors (that is implemented by disclosed apparatus) is disclosed. The method comprises matching one or more input descriptor with a first database comprising one or more valid trademarks of one or more clients; identifying a set of valid merchant descriptors and a set of suspected merchant descriptors, from the one or more input merchant descriptors based on the matching; identifying a target client associated with each merchant descriptor in the set of suspected merchant descriptors; communicating the each merchant descriptor from the set of suspected merchant descriptors to the associated target client; receiving an authentication decision associated with each merchant descriptor from the set of suspected merchant descriptors; and identifying one or more merchant descriptors from the set of suspected merchant descriptor as fraud merchant descriptor in an event the authentication decision associated with said one or more merchant descriptors is negative.

Abstract: The present invention is directed toward an article of footwear effective to regulate the temperature of the feet of a wearer. In an embodiment, the article of footwear includes an upper and an insole with a thermal effect membrane. The thermal effect membrane contains a plurality of system-reactive components selectively engaged heat and/or moisture. In an embodiment, the printed coating includes a cooling agent, a phase change material, and a heat dissipation material. The bottom of the sole structure of the article of footwear further includes a multiple openings in the forefoot, midfoot, and hindfoot regions. The multiple openings promote airflow into the interior of the upper. In operation, the article of footwear is effective to delay/diminish the rise in skin temperature (compared to footwear lacking the membrane and/or openings), increasing wearer comfort.

Abstract: A sole structure for an article of footwear includes a midsole, where the midsole includes a cut-out section extending from a top surface of the midsole to a depth within the midsole. A support structure is disposed within the cut-out section, the support structure including a rail structure and a support plate that is movable in a sliding manner along the rail structure in a lengthwise direction of the sole structure. An insert is disposed within the cut-out section above the support structure.

Abstract: An article of footwear includes a fastening system including a guide element and a carriage member slidably coupled to the guide element. A lacing element is coupled to the carriage member such that the position of the lacing element changes as the carriage member moves along the guide element. In an embodiment, the footwear includes a lateral side rail and a medial side rail, each rail including one or more carriage members selectively movable along the rail for a predetermined distance. The lacing element extends repeatedly from the lateral side to the medial side, being captured by the carriage members. In operation, the carriage members move along the rail, adapting the positioning of the lacing element.

Abstract: A methodology for processing authorization request messages based on proximate wireless networks is disclosed. In particular, a computer may receive, from an access device or a communication device, an authorization request message in a transaction. The computer may then obtain network data based on a set of wireless networks that are proximate to the access device or the communication device interacting with the access device during the transaction. Next, the computer may determine a difference between the network data and previous network data, wherein the previous network data is based on one or more previous sets of wireless networks that were proximate to the access device or the communication device during one or more previous transactions. Responsive to determining that the difference exceeds threshold, the computer may initiate one or more actions associated with the transaction.

Abstract: A method is disclosed. The method includes transmitting a verification request message comprising one or more personal data elements associated with a user and a target account identifier to an authorizing entity computer. The method includes receiving a verification response message comprising a verification result from the authorizing entity computer. Lastly, the method includes transmitting a credit transaction message comprising a source account identifier and an amount to the authorizing entity computer, which credits an account of the user with the amount.

Abstract: A method is disclosed. The method includes transmitting a verification request message comprising one or more personal data elements associated with a user and a target account identifier to an authorizing entity computer. The method includes receiving a verification response message comprising a verification result from the authorizing entity computer.

Abstract: A sole structure for an article of footwear includes a midsole, where the midsole includes a cut-out section extending from a top surface of the midsole to a depth within the midsole. A support structure is disposed within the cut-out section, the support structure including a rail structure and a support plate that is movable in a sliding manner along the rail structure in a lengthwise direction of the sole structure. An insert is disposed within the cut-out section above the support structure.

Abstract: A apparatus and method is disclosed for optimizing authorization approval in a proposed payment card transaction. In one embodiment an issuing country of the cardholder issuing bank is identified together with a plurality of potential merchant acquiring banks that could be used to process an authorization request for the proposed payment card transaction. Using historical data regarding previous proposed payment card transactions, historical approval rates are identified for each of the identified potential merchant acquiring bank configurations. The merchant acquiring bank configuration with the highest historical approval rating is selected as the optimal merchant bank configuration for processing authorization approval.

Abstract: The present invention is directed toward an article of footwear effective to regulate the temperature of the feet of a wearer. In an embodiment, the article of footwear includes an upper and an insole with a thermal effect membrane. The thermal effect membrane contains a plurality of system-reactive components selectively engaged heat and/or moisture. In an embodiment, the printed coating includes a cooling agent, a phase change material, and a heat dissipation material. The bottom of the sole structure of the article of footwear further includes a multiple openings in the forefoot, midfoot, and hindfoot regions. The multiple openings promote airflow into the interior of the upper. In operation, the article of footwear is effective to delay/diminish the rise in skin temperature (compared to footwear lacking the membrane and/or openings), increasing wearer comfort.

Abstract: The present invention is directed toward an article of footwear effective to regulate the temperature of the feet of a wearer. In an embodiment, the article of footwear includes an upper and an insole with a thermal effect membrane. The thermal effect membrane contains a plurality of system-reactive components selectively engaged heat and/or moisture. In an embodiment, the printed coating includes a cooling agent, a phase change material, and a heat dissipation material. The bottom of the sole structure of the article of footwear further includes a multiple openings in the forefoot, midfoot, and hindfoot regions. The multiple openings promote airflow into the interior of the upper. In operation, the article of footwear is effective to delay/diminish the rise in skin temperature (compared to footwear lacking the membrane and/or openings), increasing wearer comfort.

Abstract: An article of footwear includes a fastening system including a guide element and a carriage member slidably coupled to the guide element. A lacing element is coupled to the carriage member such that the position of the lacing element changes as the carriage member moves along the guide element. In an embodiment, the footwear includes a lateral side rail and a medial side rail, each rail including one or more carriage members selectively movable along the rail for a predetermined distance. The lacing element extends repeatedly from the lateral side to the medial side, being captured by the carriage members. In operation, the carriage members move along the rail, adapting the positioning of the lacing element.

Abstract: A method for audibly communicating transaction details includes: storing payment card details for a payment card, the card details including a payment card number; receiving transaction details for a financial transaction involving the payment card, the transaction details including a transaction amount; and audibly emitting the transaction amount for the financial transaction. A method for audibly communicating account information which includes: capturing an image of a payment card; processing the captured image of the payment card to identify payment card details, the card details including a payment card number; transmitting the identified card details; receiving account details for a financial account associated with the payment card, the account details including at least an account balance; and audibly emitting the account balance for the financial account.

Abstract: An article of footwear includes a fastening system including a guide element and a carriage member slidably coupled to the guide element. A lacing element is coupled to the carriage member such that the position of the lacing element changes as the carriage member moves along the guide element. In an embodiment, the footwear includes a lateral side rail and a medial side rail, each rail including a series of carriage members selectively movable along the rail for a predetermined distance. The lacing element extends repeatedly from the lateral side to the medial side, being captured by the carriage members. In operation, the carriage members move along the rail, adapting the positioning of the lacing element.