Abstract: A light-emitting diode (LED) can have a light-emitting surface that can emit emitted light. A filter, disposed on the light-emitting surface, can be at least partially transmissive in a first area and at least partially reflective in a second area. The first area can direct at least some of the emitted light through the filter to form shaped light that extends over an area corresponding to a shape of a static light pattern. The second area can reflect at least some of the emitted light into the LED through the light-emitting surface. A lens can bring the shaped light to a focus that has the shape of the static light pattern. To increase a contrast of the focus, an absorber, disposed on the second area of the filter, can absorb emitted light that is transmitted through the second area of the filter.

Abstract: A method for authorization of multiple transactions using a single authentication process is described. The method includes determining that a user is an authorized user based on user credentials associated with the user; authorizing a transaction device identified by the authorized user for future electronic transactions with one or more restrictions; and providing previously stored payment card information associated with a user account of the authorized user for electronic transactions initiated at the authorized transaction device in accordance with the one or more restrictions.

Abstract: In one embodiment, the LED package comprises: (a) a submount comprising a substrate, at least one electrical interface, and a non-conductive reflective material disposed over substantially all of submount except for the at least one electrical interface; and (b) an LED chip having sides and at least one contact, the LED chip being flip-chip mounted to the submount such that the at least one contact is electrically connected to the at least one electrical interface, the LED chip covering a substantial portion of the at least one electrical interface, substantially all of the chip extending above the reflective material.

Abstract: Methods, systems and apparatus for conducting mobile device person-to-person voice payments. An embodiment includes a mobile device processor of a mobile device detecting a first key entry by a sender during a mobile telephone call, muting the call, prompting the sender to enter persons-to-person (P2P) security data and a payment amount, and detecting a second key entry. The mobile device processor then prompts the sender to provide voice data associated with a password, detects a third key entry, and then transmits a P2P payment request including the P2P security data, the payment amount, the voice data, sender account data, and a recipient mobile telephone number, to a mobile person-to-person (P2P) computer. The mobile device processor then unmutes the mobile telephone call and receives a P2P payment message from the mobile P2P computer.

Abstract: A method for authorization of multiple transactions using a single authentication process is described. The method includes determining that a user is an authorized user based on user credentials associated with the user; authorizing a transaction device identified by the authorized user for future electronic transactions with one or more restrictions; and providing previously stored payment card information associated with a user account of the authorized user for electronic transactions initiated at the authorized transaction device in accordance with the one or more restrictions.

Abstract: A method for authorization of multiple transactions using a single authentication process is described. The method includes determining that a user is an authorized user based on user credentials associated with the user; authorizing a transaction device identified by the authorized user for future electronic transactions with one or more restrictions; and providing previously stored payment card information associated with a user account of the authorized user for electronic transactions initiated at the authorized transaction device in accordance with the one or more restrictions.

Abstract: A mobile device includes a pedometer function that calculates an estimated distance based on sensor measurements. The sensor measurements are used to determine a step frequency of the user, which is used to estimate the distance traveled by the user. To correct for the unique step frequency of the user, a calibration factor is calculated that can be multiplied by the estimated distance to improve the accuracy of the distance estimate. New calibration factors resulting from calibration trials are assigned to step frequency bands. An average calibration factor is calculated for each frequency band. The average calibration factors of the bands are updated to ensure that the average calibration factor of any given band is greater than or equal to the average calibration factors in all lower bands.

Abstract: A method for real time, geolocation based parking data analysis is described. The method includes providing a list of available parking spaces to a user device for a user to select and calculating the parking fee based at least on a duration that a vehicle stayed in a predetermined area that encompasses the selected parking space and the geographic position of the selected parking space.

Abstract: A method for authorization of multiple transactions using a single authentication process is described. The method includes determining that a user is an authorized user based on user credentials associated with the user; authorizing a transaction device identified by the authorized user for future electronic transactions with one or more restrictions; and providing previously stored payment card information associated with a user account of the authorized user for electronic transactions initiated at the authorized transaction device in accordance with the one or more restrictions.

Abstract: An optical material comprising quantum confined semiconductor nanoparticles, wherein at least a portion of the nanoparticles are in a charge neutral state is disclosed. Also disclosed is an optical component including an optical material comprising quantum confined semiconductor nanoparticles, wherein at least a portion of the nanoparticles are in a charge neutral state. Further disclosed is an optical material obtainable by at least partially encapsulating an optical material comprising quantum confined semiconductor nanoparticles and irradiating the at least partially encapsulated optical material with a light flux for a period of time sufficient to neutralize the charge on at least a portion of the nanoparticles.

Abstract: A method of determining a discount amount for an electronic commerce transaction can include determining, by a processor, whether a member of a financial institution has posted a review for an electronic commerce purchase within a preset threshold amount of time from a time when the member received a purchased item. Upon identifying the time at which the member posted the review, the processor can determine an eligible time period based on the preset threshold amount of time and the identified posting time. The processor can determine the number of occurrences of different eligible discount earning events by tracking, for the eligible time period, activities related to the review performed on one or more social media platforms. The processor can determine a discount amount based on the determined discount earning events and transmit an instruction to credit a financial account with a credit amount corresponding to the discount amount.

Abstract: Methods, systems and apparatus for conducting mobile device person-to-person voice payments. An embodiment includes a mobile device processor of a mobile device detecting a first key entry by a sender during a mobile telephone call, muting the call, prompting the sender to enter persons-to-person (P2P) security data and a payment amount, and detecting a second key entry. The mobile device processor then prompts the sender to provide voice data associated with a password, detects a third key entry, and then transmits a P2P payment request including the P2P security data, the payment amount, the voice data, sender account data, and a recipient mobile telephone number, to a mobile person-to-person (P2P) computer. The mobile device processor then unmutes the mobile telephone call and receives a P2P payment message from the mobile P2P computer.

Abstract: The present application provides methods and devices for collecting customer feedback. The methods comprise the steps of determining whether a received input string used to authenticate a payment instrument against which a transaction is charged contains customer feedback data, and extracting the customer feedback data in response to determining presence of the customer feedback data.

Abstract: Methods and devices for processing a payment transaction for a purchase carried out by a vehicle user with a merchant are provided. The method comprises a server (a) obtaining a vehicle ID, from a vehicle detection unit, upon a vehicle entering a premise of the merchant; (b) interrogating a database using the vehicle ID to obtain a device identifier associated with a communication device of the user; (c) transmitting the device identifier to a wallet server over a communication network; (d) receiving, upon authorization by the wallet server, over the communication network wallet information associated with a digital wallet of the user; (e) receiving, via the communication device, product information indicative of one or more product items ordered by the user; and (f) transmitting a transaction request to a payment network to cause a payment transaction in respect of the one or more products to be processed, said transaction request comprising the wallet information.

Abstract: Techniques for fabricating and using arrays of violet-emitting LEDs coated with densely-packed-luminescent-material layers together with apparatus and method embodiments thereto are disclosed.

Abstract: Methods and systems for facilitating analysis of travel routes are provided. The method comprising: obtaining addendum data associated with electronic transactions conducted in relation to travel segments, the addendum data comprising a traveller identity, a time, a date, an originating location and a destination location of each of the travel segments; identifying, using an analysis module, travel segments having a time and/or date within a pre-determined period for each traveller identity based on the addendum data; determining, using the analysis module, at least one transit location for each of the traveller identities based on the identified travel segments, wherein the transit location is defined as a location that is both an originating location of one of the identified travel segments and a destination location of another of the identified travel segments; and determining, using the analysis module, a number of traveller identities associated with each transit location.

Abstract: A method for optimizing an item descriptor and item value combination is provided. The method includes receiving initial data, locating one or more previous transaction data points, and creating a plurality of candidate opportunity variants and, for each candidate opportunity variant determining a first deviation, identifying a first set of first previous transaction data points and a second set of previous transaction data point, and forecasting one or more new transaction data points at at least one future date, each new transaction data point includes a forecast merchant identifier. The method further includes selecting the candidate opportunity variant that provides an optimized item descriptor and item value combination based on the selected candidate opportunity variant.

Abstract: A computer-implemented method for computing a price-sensitivity score for a product for sale is provided. The method comprises (a) receiving, by a transaction analysis component, transaction data comprising a purchase of the target product by a consumer; (b) receiving, by a product analysis component, a reference price-sensitivity score for a reference product for sale; (c) calculating, by the transaction analysis component, a correlation index using the transaction data; said correlation index being indicative a correlation between purchases of the target product and the reference product; and (d) calculating, by the product analysis component, the price-sensitivity score for the target product using the correlation index and the reference price-sensitivity score. Methods for computing a price-sensitivity rating of a consumer and a price-efficiency rating for a merchant are also provided. An apparatus for carrying out the method is also provided.

Abstract: A computer-implemented method is described for identifying products purchased by individual customers at different merchants. The method comprises: receiving product purchase information from two or more merchants in a pre-defined merchant group; receiving transaction data for a plurality of customers in a pre-defined customer group; comparing details of the product purchase information with details of the transaction data to identify the product purchases associated with individual transactions and storing the association in a database; and extracting information from the database for an individual customer or for each customer in the pre-defined customer group to determine the products the customer(s) purchased from each merchant.

Abstract: An optical material comprising quantum confined semiconductor nanoparticles having an improved solid state photoluminescent efficiency is disclosed. Also disclosed is an optical component including an optical material comprising quantum confined semiconductor nanoparticles having an improved solid state photoluminescent efficiency. Further disclosed are methods for treating an optical material comprising quantum confined semiconductor nanoparticles. Further disclosed are methods for treating an optical component including an optical material comprising quantum confined semiconductor nanoparticles. One method comprises exposing the optical material to a light flux and heat for a period of time sufficient to increase the solid state photoluminescent quantum efficiency of the optical material by at least 10% of its pre-exposure solid state photoluminescent quantum efficiency value.