Abstract: Techniques are disclosed relating to speculatively processing transactions. A transaction processing system may receive an indication of a trigger event associated with an electronic transaction not yet initiated by a client computing device. In some embodiments, in response to the indication of the trigger event and prior to receiving an indication of the electronic transaction being initiated, the computer system begins speculative processing of the electronic transaction. In some embodiments, the speculative processing includes identifying the client computing device based on device authentication information received from the client device, determining a user account based on the identifier client computing device, retrieving account information for the determined account, and storing the retrieved account information.

Abstract: Techniques are disclosed relating to speculatively processing transactions. A transaction processing system may receive an indication of a trigger event associated with an electronic transaction not yet initiated by a client computing device. In some embodiments, in response to the indication of the trigger event and prior to receiving an indication of the electronic transaction being initiated, the computer system begins speculative processing of the electronic transaction. In some embodiments, the speculative processing includes identifying the client computing device based on device authentication information received from the client device, determining a user account based on the identifier client computing device, retrieving account information for the determined account, and storing the retrieved account information.

Abstract: Unknown devices may be bound to an identity using a four step process that involves trusted relationships only between known partner entities and a known user attribute. The identity may be an account, such as a personal account number (PAN). The PAN may be abstracted using a token for use with the device. The unknown device may first be enrolled at a service to establish a cryptographically verifiable identity. A binding request for the enrolled device may be sent to an issuer of the PAN resulting in the issuer generating a challenge. After a successful authentication of the challenge at the token service provider, the binding of the token to the device is complete.

Abstract: Unknown devices may be bound to an identity using a four step process that involves trusted relationships only between known partner entities and a known user attribute. The identity may be an account, such as a personal account number (PAN). The PAN may be abstracted using a token for use with the device. The unknown device may first be enrolled at a service to establish a cryptographically verifiable identity. A binding request for the enrolled device may be sent to an issuer of the PAN resulting in the issuer generating a challenge. After a successful authentication of the challenge at the token service provider, the binding of the token to the device is complete.

Abstract: A merchant website includes a QR code button to initiate a payment transaction. The QR code button is selected by a consumer at checkout. If selected, a QR code is generated on a second computing device. The QR code is displayed on a second computing device and contains embedded data such as a token for a PAN stored in a memory of the second computing device and two cryptograms. A webcam in communication with the first computing device is used to scan the QR code. The data embedded in the QR code is passed from the second computing device to the merchant website via the first computing device and used to complete the payment transaction.

Abstract: A merchant website includes a QR code button to initiate a payment transaction. The QR code button is selected by a consumer at checkout. If selected, a QR code is generated on a second computing device. The QR code is displayed on a second computing device and contains embedded data such as a token for a PAN stored in a memory of the second computing device and two cryptograms. A webcam in communication with the first computing device is used to scan the QR code. The data embedded in the QR code is passed from the second computing device to the merchant website via the first computing device and used to complete the payment transaction.

Abstract: This disclosure relates to functionalized polymers and compositions comprising such where the functionalized polymers comprise amide, imide, and/or ester functionalized partially or fully saturated polymer comprising C4-5 olefins having: i) an Mw/Mn of less than 2, ii) a Functionality Distribution (Fd) value of 3.5 or less, and iii) an Mn of 10,000 g/mol or more (GPC-PS) of the polymer prior to functionalization, provided that, if the polymer prior to functionalization is a copolymer of isoprene and butadiene, then the Mn of the copolymer is greater than 25,000 g/mol (GPC-PS).

Abstract: A vehicle rocker panel torsion lever configured to reduce intrusion in the event of a side impact, the vehicle rocker panel torsion lever including a rigid elongated member including a first end and a second end, the first end configured to be fixedly coupled to a rocker panel of a vehicle, the second end free-floating within a cavity defined by a B-pillar of the vehicle, the rigid elongated member configured to translate a linear external side-impact applied to the B-pillar to a rotational force applied to the rocker panel.

Abstract: A computer-implemented method of communicating with a point of sale terminal. The method includes establishing wireless communication with a point of sale terminal using a first communication channel, and establishing communication with the point of sale terminal using a second communication channel. The method also includes transmitting a first section of communication data via the first communication channel; and transmitting a second section of the communication data using the second communication channel.

Abstract: A computer-implemented method of communicating with a point of sale terminal. The method includes establishing wireless communication with a point of sale terminal using a first communication channel, and establishing communication with the point of sale terminal using a second communication channel. The method also includes transmitting a first section of communication data via the first communication channel; and transmitting a second section of the communication data using the second communication channel.

Abstract: Improved negative electrodes can comprise a silicon based active material blended with graphite to provide more stable cycling at high energy densities. In some embodiments, the negative electrodes comprise a blend of polyimide binder mixed with a more elastic polymer binder with a nanoscale carbon conductive additive. The silicon-based blended graphite negative electrodes can be matched with positive electrodes comprising nickel rich lithium nickel manganese cobalt oxides to form high energy density cells with good cycling properties.

Abstract: A merchant website includes a QR code button to initiate a payment transaction. The QR code button is selected by a consumer at checkout. If selected, a QR code is generated on a second computing device. The QR code is displayed on a second computing device and contains embedded data such as a token for a PAN stored in a memory of the second computing device and two cryptograms. A webcam in communication with the first computing device is used to scan the QR code. The data embedded in the QR code is passed from the second computing device to the merchant website via the first computing device and used to complete the payment transaction.

Abstract: A merchant website includes a QR code button to initiate a payment transaction. The QR code button is selected by a consumer at checkout. If selected, a QR code is generated on a second computing device. The QR code is displayed on a second computing device and contains embedded data such as a token for a PAN stored in a memory of the second computing device and two cryptograms. A webcam in communication with the first computing device is used to scan the QR code. The data embedded in the QR code is passed from the second computing device to the merchant website via the first computing device and used to complete the payment transaction.

Abstract: Embodiments of the invention are directed to systems and methods for authenticating a user device using an authenticating device that has previously been associated with a user and/or a credential. The user may initiate a transaction at the user device. An authenticating device associated with the transaction may be sent an authentication request corresponding to the user device. The user may indicate whether or not the user device is authenticated utilizing the authenticating device. If the user device is authenticated, the transaction may proceed. If the user device is not authenticated the transaction may be rejected.

Abstract: Techniques are disclosed relating to speculatively processing transactions. A transaction processing system may receive an indication of a trigger event associated with an electronic transaction not yet initiated by a client computing device. In some embodiments, in response to the indication of the trigger event and prior to receiving an indication of the electronic transaction being initiated, the computer system begins speculative processing of the electronic transaction. In some embodiments, the speculative processing includes identifying the client computing device based on device authentication information received from the client device, determining a user account based on the identifier client computing device, retrieving account information for the determined account, and storing the retrieved account information.

Abstract: Techniques are disclosed relating to speculatively processing transactions. A transaction processing system may receive an indication of a trigger event associated with an electronic transaction not yet initiated by a client computing device. In some embodiments, in response to the indication of the trigger event and prior to receiving an indication of the electronic transaction being initiated, the computer system begins speculative processing of the electronic transaction. In some embodiments, the speculative processing includes identifying the client computing device based on device authentication information received from the client device, determining a user account based on the identifier client computing device, retrieving account information for the determined account, and storing the retrieved account information.

Abstract: A computer-implemented method of communicating with a point of sale terminal. The method includes establishing wireless communication with a point of sale terminal using a first communication channel, and establishing communication with the point of sale terminal using a second communication channel. The method also includes transmitting a first section of communication data via the first communication channel; and transmitting a second section of the communication data using the second communication channel.

Abstract: Improved negative electrodes can comprise a silicon based active material blended with graphite to provide more stable cycling at high energy densities. In some embodiments, the negative electrodes comprise a blend of polyimide binder mixed with a more elastic polymer binder with a nanoscale carbon conductive additive. The silicon-based blended graphite negative electrodes can be matched with positive electrodes comprising nickel rich lithium nickel manganese cobalt oxides to form high energy density cells with good cycling properties.

Abstract: A computer-implemented method of communicating with a point of sale terminal. The method includes establishing wireless communication with a point of sale terminal using a first communication channel, and establishing communication with the point of sale terminal using a second communication channel. The method also includes transmitting a first section of communication data via the first communication channel; and transmitting a second section of the communication data using the second communication channel.

Abstract: A composite coated form of lithium cobalt oxide is described that can achieve improved cycling at higher voltages. Liquid phase and combined liquid and solid phase coating processes are described to effectively form the composite coated powders. The improved cycling positive electrode materials can be effectively combined with either graphitic carbon negative electrode active materials or silicon based high capacity negative electrode active materials. Improved battery designs can achieve very high volumetric energy densities in practical battery formats and with reasonable cycling properties.