Abstract: Systems and methods are provided for facilitating network transactions. One exemplary method includes receiving, by a computing device, via a first wireless connection, a credential from a mobile device where the credential is specific to an account associated with the mobile device. The method also includes determining an identifier of the mobile device, compiling an authorization request for the network transaction, where the authorization request includes the identifier and the credential, and transmitting the authorization request to a first party for authorization. The method further includes; receiving an authorization reply in response to the authorization request, where the authorization reply includes a result for the network transaction and the identifier, and transmitting, via a second wireless connection, a notification, including the result of the network transaction, to the mobile device, based on the identifier included in the authorization reply.

Abstract: A method of storing or searching data files on a plurality of cloud-based storage systems includes detecting an event on the electronic device indicative of storing at least one data file on a cloud-based storage, analyzing the at least one data file in response to detecting the event to extract a plurality of elements, mapping the plurality of elements to one or more rules stored in a memory of the electronic device, selecting at least one cloud-based storage for storing the at least one data file, and storing information corresponding to the at least one data file in the memory upon storing the at least one data file onto the selected at least one cloud-based storage for searching the at least one data file.

Abstract: A method includes receiving a purchase order via a telephone call from a customer. As part of the phone call, a credentials service customer identifier assigned to the customer is received from the customer. The method further includes transmitting a message to a credentials service that issued the customer identifier. Payment credentials are received from the credentials service. The payment credentials include a payment token that is associated with a payment account that belongs to the customer. The method further includes generating a payment account system authorization request message. The authorization request message includes the payment token. In addition, the method includes transmitting the authorization request message for routing to an issuer of the payment account.

Abstract: A method for providing electronic purchase reminders includes: storing communication information and a plurality of transaction data entries, each transaction data entry corresponding to a processed payment transaction and including transaction data, a transaction date, and one of a plurality of category tags; storing, for each category tag, a recurring time period; identifying a subset of transaction data entries that includes a common category tag; identifying a most recent transaction data entry of the subset o based on the transaction date, where a difference between the transaction date included in the most recent transaction data entry and a present date is at least the recurring time period associated with the common category tag; generating a purchase recommendation based on the transaction data included in each transaction data entry in the subset; and transmitting the generated purchase recommendation to a computing device based on the communication information.

Abstract: Provided is an electronic device for stabilizing a 360-degree video, the electronic device including a memory storing one or more instructions, and a processor for executing the one or more instructions stored in the memory, wherein the processor is configured to execute the one or more instructions to: when a 360-degree video is reproduced, allocate probability values to a plurality of pixels included in a frame of the 360-degree video, based on a possibility that each of the plurality of pixels is included in a user's field of view (FOV), determine a three-dimensional (3D) rotation for the 360-degree video, based on the allocated probability values, and generate a stabilized 360-degree video by applying the 3D rotation to the 360-degree video.

Abstract: Systems and methods are provided for use in provisioning accounts to applications included in mobile devices. One exemplary method includes receiving, at a mobile device, a request to provision an account to a mobile device; prompting a user associated with the account for authentication at a wireless device associated with the account; receiving an account credential from the wireless device, via a local wireless communication between the mobile device and the wireless device, when the user is authenticated at the wireless device; transmitting the account credential toward a first party associated with the account, whereby the account credential is indicative of the authentication of the user; and provisioning the account to the mobile device, in response to an approval received from the first party.

Abstract: A method is provided for processing an electronic payment.

Abstract: Systems and methods are provided for facilitating network transactions based on user authentication. One exemplary method includes, for a network transaction, receiving, at a card device, an authentication command from an issuer of a payment account associated with the card device. A user of the card device is instructed, at an indicator of the card device, to provide a biometric for use in authenticating the user. Biometric data from the user is captured at biometric sensor of the card device, when the user provides the biometric, and the captured biometric data is compared with reference biometric data stored in a memory of the card device. The card device then returns a command reply to the issuer, where the command reply includes an authentication result based on the comparison, thereby permitting the issuer to employ the authentication result of the user in connection with the network transaction.

Abstract: Communication apparatus includes a transceiver configured to transmit and receive signals over a wireless channel in accordance with both a first communication protocol and a second communication protocol. The second communication protocol is backward-compatible with the first communication protocol, while defining an enhanced communication bandwidth that is at least twice the nominal communication bandwidth of the first communication protocol. A communication controller generates data frames for transmission by the transceiver, including frame headers in a header format that is compatible with both the first communication protocol and the second communication protocol, such that the frame headers are transmitted within the nominal communication bandwidth. The data frames that are transmitted in accordance with the second communication protocol have first and second frame headers that are transmitted in parallel in respective first and second sub-bands of the enhanced communication bandwidth.

Abstract: Communication apparatus includes a transceiver configured to transmit and receive signals over a wireless channel in accordance with both a first communication protocol and a second communication protocol. The second communication protocol is backward-compatible with the first communication protocol, and has a first variant having an extended communication throughput, which is greater than the nominal communication throughput of the first protocol, and a second variant having an extended range, which is greater than the nominal range of the first protocol. A communication controller generates data frames for transmission by the transceiver, including frame headers in a header format that is compatible both with the first communication protocol and with both the first and second variants of the second communication protocol.

Abstract: A method includes receiving a request for enrollment from a user at a wallet service provider (WSP) computer, and enrolling the user in the WSP computer. A message is transmitted to the user to query the user about accepting payment card account system transactions. A response to the message, from the user, is received in the WSP computer. The WSP computer downloads, to a device operated by the user, a list of acquirer financial institutions. The WSP computer receives, from the device operated by the user, an indication that the user has selected one of the acquirer financial institutions from the list. An application program supplied by the selected acquirer financial institution is downloaded to the device operated by the user.

Abstract: A booster splitter for a gas turbine engine and a method of additively manufacturing the booster splitter are provided. The booster splitter includes an annular outer wall defining an internal fluid passageway in fluid communication with a fluid supply and terminating in discharge ports that eject a flow of fluid into the compressor section of the gas turbine engine. The internal fluid passageway may also be in fluid communication with heating plenums of a first plurality of airfoils for heating those airfoils.

Abstract: A method for providing a confidence score for a seller in an online marketplace includes: storing account profiles, each including one or more unique account identifiers for one or more online marketplaces; storing activity data entries, each including data for transactional activity in an online marketplace including a marketplace identifier, two or more transacting account identifiers, and activity data; receiving a confidence request that includes a specific account identifier and marketplace identifier; identifying a specific account profile that includes the specific account identifier; identifying a set of activity data entries where a transacting account identifier matches a unique account identifier in the specific account profile; determining a confidence score for the specific account profile based on the activity data included in the identified set of activity data entries; and transmitting the confidence score in response to the received confidence request.

Abstract: A method includes receiving a transaction authorization request message in a payment account system. A relevant database entry is accessed to determine whether another payment account belonging to the account holder should be inserted into the transaction authorization request message in place of the payment account originally submitted for use in the transaction. The purpose may be to maximize loyalty reward points or otherwise to gain a benefit available by using the other payment account rather than the originally submitted payment account.

Abstract: A method for facilitating a mass market purchase includes: transmitting an offer notification to a plurality of computing devices, the notification including a minimum acceptance number, product information, and transaction amount; receiving an offer acceptance from one of the computing devices, the acceptance including payment credentials associated with a transaction account; initiating placement of an authorization hold on the transaction account for the transaction amount; repeating the receiving and initiating steps a number of times for offer acceptances received by additional computing devices; and if the number of times is at least the minimum acceptance number, initiating a payment transaction for each of offer acceptance for payment of the transaction amount from the respective transaction account based on the corresponding authorization hold, or if the number of times is less than the minimum acceptance number, initiating clearing of the authorization hold corresponding to the respective offer acce

Abstract: A computer-implemented method for facilitating a payment transaction wherein a cardholder purchases an item from a merchant on behalf of a buyer is provided. The method includes receiving proposal data from a buyer computing device including at least one of an identification of an item proposed for purchase, a particular merchant, and a merchant purchase price. The method includes receiving a selection message from the buyer computing device indicating a selected cardholder chosen to purchase the item on behalf of a buyer using a merchant payment card associated with the particular merchant. The method includes reserving at least the merchant purchase price and a cardholder processing fee associated with the merchant payment card in a buyer account. The method includes transferring funds from the buyer account to a selected cardholder account, the funds determined at least in part by the merchant purchase price and the cardholder processing fee.

Abstract: A method for providing electronic purchase reminders includes: storing communication information and a plurality of transaction data entries, each transaction data entry corresponding to a processed payment transaction and including transaction data, a transaction date, and one of a plurality of category tags; storing, for each category tag, a recurring time period; identifying a subset of transaction data entries that includes a common category tag; identifying a most recent transaction data entry of the subset o based on the transaction date, where a difference between the transaction date included in the most recent transaction data entry and a present date is at least the recurring time period associated with the common category tag; generating a purchase recommendation based on the transaction data included in each transaction data entry in the subset; and transmitting the generated purchase recommendation to a computing device based on the communication information.

Abstract: According to some embodiments, a system and a method of transmitting identity verification information to a merchant include receiving an account identifier from a user in response to the user interacting with a merchant. The user is authenticated based on the account identifier and identity verification information is transmitted to the merchant.

Abstract: A method for identifying a dynamic checkout button with a contextual offer includes: storing, a plurality of offer data entries, each including display data, a wallet identifier, and a merchant identifier; receiving a page request from an external server, the page request including a specific merchant identifier and a device identifier; receiving a data file from a computing device corresponding to the device identifier, the data file including a specific wallet identifier; identifying a specific offer data entry where the included wallet identifier corresponds to the specific wallet identifier and where the included merchant identifier corresponds to the specific merchant identifier; identifying an image file associated with the specific wallet identifier, wherein the image file includes at least the display data included in the specific offer data entry; and transmitting the identified image file to the external server in response to the page request.

Abstract: Systems and methods are provided for facilitating payment, at a courier terminal of a courier, on delivery of products offered by multiple different merchants. One exemplary method includes receiving, by a computing device, an order record from a merchant identifying a product ordered by a consumer and including a merchant ID for the merchant. The computing device then retrieves, from a data structure, a payment gateway address associated with the merchant ID and modifies the order record to include the payment gateway address. The payment gateway address is for a payment gateway associated with the merchant. The computing device then transmits the modified order record to the courier, thereby permitting the payment gateway address to be imposed on the courier terminal such that a payment account transaction initiated at the courier terminal for payment on delivery of the product is directed to an account specific to the merchant.