Abstract: Methods and apparatuses are presented for securely providing digital streaming data to subscriber devices using encrypted wavelet meshes. A recorded image may be subdivided into three sources of data: light sources, camera angles, and the objects themselves. Each of these sources of data may be considered unique from each other, and the totality of the three sources of data may comprise a complete image. Without one of the sources of data, the image may not be complete. Each of the three sources of data may therefore be characterized as key spaces, wherein encrypting part of or the entirety of even one of these key spaces prevents the complete image from being viewed. Methods and apparatuses are provided for utilizing the concept of encrypting at least a portion of at least one of the three key spaces in order to securely and/or privately transmit image data to subscribers.

Abstract: Methods and apparatuses are presented for securely providing digital streaming data to subscriber devices using encrypted wavelet meshes. A recorded image may be subdivided into three sources of data: light sources, camera angles, and the objects themselves. Each of these sources of data may be considered unique from each other, and the totality of the three sources of data may comprise a complete image. Without one of the sources of data, the image may not be complete. Each of the three sources of data may therefore be characterized as key spaces, wherein encrypting part of or the entirety of even one of these key spaces prevents the complete image from being viewed. Methods and apparatuses are provided for utilizing the concept of encrypting at least a portion of at least one of the three key spaces in order to securely and/or privately transmit image data to subscribers.

Abstract: A system for conducting payment transaction includes a network-enabled server that communicates with one or more user devices, other network-enabled server computers, and a payment processing network server computer. The network-enabled server facilitates transactions between one or more merchants and users by a managing data flow and interactions between the merchants and the users, providing storage area for storing of all transaction related documents, and providing seamless integration with a payment processing network for payment processing.

Abstract: A system for conducting payment transaction includes a network-enabled server that communicates with one or more user devices, other network-enabled server computers, and a payment processing network server computer. The network-enabled server facilitates transactions between one or more merchants and users by a managing data flow and interactions between the merchants and the users, providing storage area for storing of all transaction related documents, and providing seamless integration with a payment processing network for payment processing.

Abstract: Methods and apparatuses are presented for securely providing digital streaming data to subscriber devices using encrypted wavelet meshes. A recorded image may be subdivided into three sources of data: light sources, camera angles, and the objects themselves. Each of these sources of data may be considered unique from each other, and the totality of the three sources of data may comprise a complete image. Without one of the sources of data, the image may not be complete. Each of the three sources of data may therefore be characterized as key spaces, wherein encrypting part of or the entirety of even one of these key spaces prevents the complete image from being viewed. Methods and apparatuses are provided for utilizing the concept of encrypting at least a portion of at least one of the three key spaces in order to securely and/or privately transmit image data to subscribers.

Abstract: An apparatus and method for processing a transaction authorization request to reduce the need for a transaction risk assessment as part of the authorization process. The invention reduces both the data processing burden on the payment processor and the number of transactions for which authorization is denied. In some embodiments, the invention uses predictive or behavior modeling techniques to generate predictions of the transactions the consumer may engage in. If the consumer does engage in a predicted transaction, then a risk analysis process is not performed for that transaction.

Abstract: A computer apparatus is provided that comprises processor and a computer-readable medium coupled to the processor. The computer readable medium comprises code executable by the processor for implementing a method that comprises receiving a first indication at a computer apparatus that an evolving token has been used in a first transaction. Use of the evolving token in the first transaction provides a first benefit. The method further comprises that in a subsequent transaction after the first transaction, the evolving token changes so that it is associated with a payment account and the evolving token can be used to make payments.

Abstract: A computer apparatus is provided that comprises processor and a computer-readable medium coupled to the processor. The computer readable medium comprises code executable by the processor for implementing a method that comprises receiving a first indication at a computer apparatus that an evolving token has been used in a first transaction. Use of the evolving token in the first transaction provides a first benefit. The method further comprises that in a subsequent transaction after the first transaction, the evolving token changes so that it is associated with a payment account and the evolving token can be used to make payments.

Abstract: The CLOUD SERVICE FACILITATOR APPARATUSES, METHODS AND SYSTEMS (“CSF”) transforms user purchase requests, refund requests, and product/service replacement requests via CSF components into transaction records, refunds, and replacement products/services outputs. The CSF may receive a consumer purchase request for a cloud service from a merchant. In response to the request, the CSF may generate a unique record key for the purchase and may transmit the unique record key to the merchant. The CSF may further receive additional transaction information and the unique record key from the merchant. In response to the received information and the unique key, the CSF may provide additional service to the merchant or the consumer.

Abstract: A system for conducting payment transaction includes a network-enabled server that communicates with one or more user devices, other network-enabled server computers, and a payment processing network server computer. The network-enabled server facilitates transactions between one or more merchants and users by a managing data flow and interactions between the merchants and the users, providing storage area for storing of all transaction related documents, and providing seamless integration with a payment processing network for payment processing.

Abstract: A computer apparatus is provided that comprises processor and a computer-readable medium coupled to the processor. The computer readable medium comprises code executable by the processor for implementing a method that comprises receiving a first indication at a computer apparatus that an evolving token has been used in a first transaction. Use of the evolving token in the first transaction provides a first benefit. The method further comprises that in a subsequent transaction after the first transaction, the evolving token changes so that it is associated with a payment account and the evolving token can be used to make payments.

Abstract: An apparatus and method for processing a transaction authorization request to reduce the need for a transaction risk assessment as part of the authorization process. The invention reduces both the data processing burden on the payment processor and the number of transactions for which authorization is denied. In some embodiments, the invention uses predictive or behavior modeling techniques to generate predictions of the transactions the consumer may engage in. If the consumer does engage in a predicted transaction, then a risk analysis process is not performed for that transaction.