Abstract: One variation of the first method includes: receiving a first gift order from a first sender through a social networking system, the first gift order specifying a recipient, a first merchant, and a first monetary value redeemable through the first merchant; issuing a tangible gift card to the recipient, the gift card linked to a gift account, of the recipient, within the social networking system; receiving a second gift order from a second sender through the social networking system, the second gift order specifying the recipient, a second merchant, and a second monetary value redeemable through the second merchant; linking the first and second monetary values to the gift account; and, in response to a first purchase from the first merchant with the gift card, publishing a detail of the first purchase to a feed within the social networking system in accordance with a privacy setting of the recipient.

Abstract: An order relating to a formulation-based product is received, wherein fulfilling the order requires production of the formulation-based product at a first location, transport of the formulation-based product in a vehicle to a second location different from the first location, and performance of an activity with respect to the formulation-based product at the second location. First information relating to a first change made to the formulation-based product at the first location is received, from the first location, prior to transport of the formulation-based product. Second information relating to a second change made to the formulation-based product during transport of the formulation-based product is received during transport of the formulation-based product. Third information relating to the activity performed with respect to the formulation-based product at the second location is received from the second location.

Abstract: A portable computerized device can implement a method to collect a preference of a user for a product and share that preference over a social media application. The method includes monitoring an indication of a user of the device to a product of interest, identifying the product of interest by referencing a product information database, communicating the product of interest to the social media application, and displaying the product of interest through the social media application.

Abstract: A three-dimensional virtual reality environment is rendered. A character representation of a user that interacts with the virtual reality environment is rendered. Virtual shops are arranged in the virtual reality environment and virtual products are arranged in the virtual shops based on recorded interaction of the character representation of the user with the virtual reality environment.

Abstract: A system and method to enable merchandising on an electronic device is disclosed. The system enables instantaneous loan for the purchase of a product and accordingly generate a customized insurance policy for the purchased product in a purchase lifecycle. The system analyzes financial transaction data of buyer's financial instruments and accordingly suggests the best mode of splitting the transaction amount of the product over the financial instruments owned by the buyer. The system further enable biometric authentication of the buyer on the electronic device before granting an instantaneous loan for the purchase of said product. The electronic device is further enabled with means to transmit digitally signed transaction documents to the buyer.

Abstract: A device and system for assisting with inventory ordering and management. In an embodiment, a personal device may be used by a worker to assist with identifying and retrieving items in an inventory or warehouse setting. The device includes a communications module suited to interface with radio frequency identification (RFID) tags that may be attached to the items to be selected or a bin that holds the items to be selected. If the worker has maneuvered the device close enough to a correct RFID tag, then the device can provide positive feedback to the worker indicating selection of a needed item. Similarly, if the worker has come into communicative proximity with an item not needed, then negative feedback at the device may be initiated.

Abstract: The present disclosure extends to methods, systems, and computer program products for updating a merchant database with new products in an optimized manner using both computer based classification models and human involvement in a smart crowd source environment.

Abstract: The present disclosure extends to methods, systems, and computer program products for automatically determining key words within item information with product types, and classifying new items within product types within a merchant's database.

Abstract: Implementations described and claimed herein provide systems and methods for managing inventory usage to predict when a pool of available inventory will become exhausted based on past usage trend data. In one implementation, raw usage data is extracted from a first data sample. The first data sample has a first input time, and the raw usage data specifies a total amount of inventory for one or more inventory types. The total amount of inventory is categorized for each of the inventory types into an amount of used inventory and an amount of available inventory. A projected inventory usage for each of the inventory types is generated based on the categorized total amount of inventory. The projected inventory usage defines an availability status of each of the inventory types.

Abstract: The disclosed embodiments include systems and methods for extracting information from a transaction description. In one embodiment, a system is disclosed that may include one or more processors and one or more memory devices storing instructions that, when executed by the one or more processors, performs operations consistent with the disclosed embodiments. In one embodiment, the operations may include receiving a transaction description. The operations may also include identifying known location information corresponding to the transaction description and determining whether information from the transaction description corresponds to the identified known location information. The operations may further include removing location information from the transaction description based on the determination. In another aspect, the operations may also include extracting additional location information from the transaction description that is not associated with the known location information.

Abstract: The invention provides a business method for remote preparation of tax return services comprising of: (a) establishing a secure website offering tax return preparation services (b) registering the customer for said service via a service channel (c) collecting basic customer information including income, deduction and preference of service channel (d) classification of customer based on predetermined criteria (e) billing the customer as per customer classification (f) request for authorization and predetermined information from the customer (g) receipt of predetermined information from the customer (h) storage of customer data into the remote database (i) preparation of tax return by a first professional tax preparer (j) review by a second professional tax preparer (k) transmitting the prepared tax return to the customer for acceptance, optionally (l) filing of the prepared tax return upon receipt of customer acceptance (m) providing notification and a copy of filed return to the customer.

Abstract: A method to generate a suggested calculation configuration in a software application for a geographical region. The method includes calculation configurations generated by users according to a regulatory requirement of the geographical region, generating a statistical measure of the users and a number of times a task is performed by the users using the calculation configurations, generating, in response to the statistical measure exceeding a threshold, a suggested calculation configuration to represent the calculation configurations, and presenting, in response to at least determining that a new user of the software application is within the geographical region, the suggested calculation configuration to the new user, where the suggested calculation configuration is used by the new user to configure a new instantiation of the software application for performing the task within the geographical region.

Abstract: Tax collection tools and techniques automatically and electronically separate tax amounts from other funds in a commercial transaction, and divert the collected tax into a holding fund. The holding fund bears income, at little or no risk. Funds collected are tracked, as are their payment due dates, and tax payments are made automatically from the holding fund to tax authorities in a timely manner on behalf of merchants. Income from the holding fund may be distributed among various parties. Collection of debt, whether taxes or otherwise, through automatic incremental billing is also described.

Abstract: A system, method and apparatus for cross jurisdictional internet enforcement are provided. An intermediation server receives data indicative of on-line communications between at least one communication device and at least one on-line sales presence, determines that the data indicative of the on-line communications is associated with legal data associated with the on-line sales Cpresence and when the legal data meets a given criteria, triggers remedial legal action.

Abstract: Disclosed are systems, methods, and non-transitory computer-readable storage media for transferring assets and monitoring spending activity of dependents. A digital wallet processing engine receiving a request from a parent to enable a Parent Mode and link the parent's digital wallet account with a dependent's digital wallet account in a network-based storage platform and to transfer assets to the dependent's account, monitor the dependent's account, and otherwise manage the dependent's account.

Abstract: A method providing an electronic receipt to a user includes obtaining the electronic receipt corresponding to the user at a processing device of a tax itemization server. The electronic receipt indicating one or more purchased items, each purchased item indicating a purchased product from a facility of the retailer. A classification of each of the one or more purchased items and a tax jurisdiction of the facility are extracted from the electronic receipt. For the classification of each purchased item that is mandated as being taxable by the tax jurisdiction, an itemization of one or more tax rates applicable to the classification of the purchased item that are imposed by the tax jurisdiction is obtained. The electronic receipt including the itemization of one or more tax rates applicable to each classification of each purchased item that is mandated as being taxable is provided to the user.

Abstract: A system and method for determining payment card benefits (e.g., rental car insurance, roadside assistance, extended warranty on purchases, price protection, emergency travel assistance, no foreign transaction fees, hotel and airline upgrades, and the like). The system comprises an electronic storage device having a database of payment card benefit information stored therein; an access path for allowing access to the payment card benefit information; and a processor for assembling the payment card benefit information in the database, and for providing the assembled payment card benefit information to a cardholder that has been granted access to the database. The present disclosure also relates to a system and method for determining geographic location of a call center associated with payment card benefits.

Abstract: A system and method for optimizing collections processing is provided.

Abstract: The system and methods provide an account holder with a mobile spend feed. The systems and methods include a database that stores information associated with at least one previous financial transaction performed via a financial account held by the account holder, a transaction processor that receives transaction data associated with a financial transaction performed by the account holder using the financial account, and stores the transaction data in the database, and a purchase history processor creates a spend feed based at least in part on the transaction data and the previous transaction information, and provides the spend feed to the account holder.

Abstract: Computer-implemented methods of investor education in the field of valuing and selecting stock options for investment.

Abstract: A system and method is provided to allow traders to submit midprice orders to trade at a price within a spread of a market, preferably at the midpoint of a spread market, while maintaining anonymity of the midprice order. A midprice order is anonymous because other traders do not know whether the submitted midprice orders are orders to buy or orders to sell. A midprice order may remain active until it is traded with a contra midprice order or until a parameter associated with the order is breached, thereby resulting in cancellation of the midprice order.

Abstract: A system, computer-readable storage medium storing at least one program, and a computer-implemented method for delaying execution of financial transactions. A first message including data for a first financial transaction is received, the first message being uncorrupted. A first trading symbol that is a target of the first financial transaction is determined. The first trading symbol is determined to be a target of at least one financial transaction that was included in at least one previous message that was determined to be corrupted. Execution of the first financial transaction is delayed.

Abstract: This invention relates generally to the personal finance and banking field, and more particularly to the field of lending and credit notification methods and systems. Preferred embodiments of the present invention provide systems and methods for automatically generating high quality adverse action notifications based on identifying variations between a declined borrower's profile and that of approved applicants, both with simple and sophisticated credit scoring systems, using specific algorithms.

Abstract: Example embodiments include methods and apparatus for making payments to any account utilizing an open-loop payment card system and a wholesale payment card account to pool funds destined for accounts which are not serviceable by the open-loop payment card system.

Abstract: System and method for facilitating real-time interactive session between celebrity and the audience, wherein computing environment application framework platform is provided to the audience in order to have the real-time interactive session facilitated where in the platform provides audience with an integrated gateway which may be not limited to voice and video calls; virtual or physical gifts by users; celebrity videos and photos; private chat and private group chat and public chat rooms and video and voice message for events like birthdays, anniversaries, openings etc. may be purchased by any user on behalf of any other users or for himself. Further the computing environment may be an online environment, a mobile environment, a web-based environment, a television environment; a radio environment; a wireless communications environment from a cellular phone or mobile phone or smart phone, smart tabs, tabs, pads or ipad or from landline phones, or a general computing environment.

Abstract: A computer-implemented method, executed by a hardware provider payment gateway system to select a least-cost payment acquirer for an electronic payment to a merchant, includes loading transaction and payment details of a payment instrument. An acquirer list of one or more payment acquirers associated with the merchant and available to the provider payment gateway system is retrieved. A least-cost acquirer among the one or more payment acquirers is determined, by the provider payment gateway system, utilizing a set of predetermined parameters.

Abstract: Embodiments of the invention are directed to a computer-implemented expense splitting method and system for allowing a payer to divide expenses among multiple purchasers. The method may include storing, in at least one computer memory, payer data and expense splitting instructions and accessing the computer memory with at least one computer processor and executing the instructions to perform multiple steps. The steps may include converting a captured receipt image to purchase data and providing a user interface displaying entries corresponding to purchases, and further providing a tagging option for tagging each of the entries with an indicator of at least one purchaser identity.

Abstract: The DYNAMIC PAYMENT OPTIMIZATION APPARATUSES, METHODS AND SYSTEMS (“DPO”) transform requests for on-demand and flexible monetization and related services via DPO components into currency transfers, purchase receipt notifications, social networking communications and transaction analytics reports. In some embodiments, the DPO obtains a user product purchase request for a user engaged in an online experience at a point of sale device. The DPO parses the user product purchase request, and thereby identifies at least one attribute of at least one of: the user; the online experience; and the point of sale device. The DPO customizes one or more properties of a user interface for initiating a purchase transaction related to the user product purchase request, according to the identified at least one attribute of the user, the online experience or the point of sale device; and providing the customized user interface.

Abstract: A method includes maintaining first payment card information for a cardholder. The method includes processing a first card not present transaction between the cardholder and a merchant. The first transaction based at least in part on the first information. The method includes generating second payment card information for the cardholder. The second information replacing the first information for subsequent use via the cardholder. The method includes receiving an input from the cardholder. The input indicating the merchant. The input based at least in part on the second information replacing the first information. The method includes sending the second information to the merchant based at least in part on the input. The method includes processing a second card not present transaction between the cardholder and the merchant. The second transaction based at least in part on the second information after the sending.

Abstract: According to some embodiments, an over-the-air (“OTA”) provision services receives a request to provision a temporary payment account to a customer's mobile device. The request includes customer data and a temporary primary account number (“PAN”). A process includes mapping the temporary PAN to a mobile PAN, storing the temporary PAN in a mapping database, generating a software package comprising a payment application and the mobile PAN, and transmitting the software package OTA to the customer's mobile device. The software package personalizes the customer's mobile device with the mobile PAN enabling use of that mobile device to utilize the temporary PAN to complete payment transactions shortly after the processor receives the request.

Abstract: The present disclosure relates to computing systems that support payments between two users. When implemented as a computer, the computer facilitates P2P payment. The computer receives from a payee or a payee FI a payment request. The payment request includes a payer identifier, a payee identifier and payment information. The computer then determines a payer FI and sends the payment request to the payer FI to cause the payer FI to notify the payer of the payment request and to enable the payer to confirm the payment. The computer receives from the payer FI a payment notification for the payment and sends the payment notification to the payee FI. The payer and the payee are not required to open a new account at a third party system but funds are transferred directly from the payer FI to the payee FI.

Abstract: A method of delivering an audio and/or visual media file including, for example, one or more of full or partial master recordings of songs, musical compositions, ringtones, videos, films, television shows, personal recordings, animation and combinations thereof, over the air wirelessly, from one or more servers to an electronic device with or without an Internet connection, said method comprising transmitting and audio and/or visual media file in compressed format to said electronic device, and wherein the electronic device is effective to receive said audio and/or visual file and playback said audio and/or visual content on demand by a user.

Abstract: An apparatus such as a mobile phone includes a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.

Abstract: Methods and systems are provided for processing a financial transaction. A set of conditions is received that define circumstances for execution of the financial transaction. Funds are collected for each of a plurality of partial payments prior to satisfaction of the set of conditions, with at least two of the partial payments being collected from different persons. The collected funds are accumulated for support of the financial transaction until satisfaction or failure of the set of conditions.

Abstract: Embodiments of the present application disclose a method and a related device for accessing an access point. According to the embodiments, a user terminal acquires a two-dimension code, parses the two-dimension code to acquire information about the two-dimension code. A two-dimension code is automatically scanned or acquired without a need to use a keyboard to enter a password or synchronously click a WPS button, in which case the operation is convenient and simple and a size of a user terminal is reduced. In addition, a two-dimension code may be generated by an access point, in which case a password leak does not occur easily and a system is prevented from breakdown caused by an attack by an unauthorized user.

Abstract: A method and a system convert the value of a gift card for use with a mobile device. The value of the gift card is determined from an issuer of the gift card. The value of the gift card is stored in a digital payment account in a storage device. The digital payment account stores values of gift cards from issuers. A financial transaction corresponding to the issuer of the gift card is performed on the digital payment account. The value of a first gift card from a first issuer of a first digital payment account is exchanged with the value of a second gift card from a second issuer of a second digital payment account.

Abstract: The present invention relates to electronic payment systems for use in paying merchants; for sending money via an electronic medium; and by those wishing to download content from a service such as a gaming or music service. This includes three different services, namely an M-Merchant service, an M-Diaspora service, and an M-Content service.

Abstract: Delivery of offers to sell discounted prepaid gift accounts in the secondary prepaid gift account marketplace to consumers present at retail point of sale location is disclosed. The system receives information from a mobile device while a user is at a retail location. The system communicates with a database of discounted prepaid gift accounts to identify a discounted prepaid gift account. The system sends an offer to sell a selected discounted prepaid gift account to the device while the user is at the location. If the user accepts the offer to purchase the discounted prepaid gift account, the system accepts payment from the user via the device for the prepaid gift accounts. Upon receipt of payment, the system transmits information regarding the purchased prepaid gift accounts to the device enabling the user to use the prepaid gift account to make a purchase.

Abstract: A method and a system for payment support are provided. The payment support method may include creating an account used for a payment service via a wallet server apparatus, connecting to the wallet server apparatus using the account, registering personal identification information including hardware information of a terminal device in the account, and associating at least one payment option with the personal identification information stored in the wallet server apparatus.

Abstract: The disclosure is related to generating a temporal physical payment card with a predetermined valid period. One of virtual payment cards stored in user equipment is selected based on a selection input received from a user. Information on the selected virtual payment card is transferred to a physical dummy payment card with a predetermined valid period.

Abstract: Disclosed herein are systems, methods, and non-transitory computer-readable storage media for processing gift transactions, related to retaining a social and gratitude-based experience surrounding giving and receiving gifts, monitoring gift recipients on-premises at merchants and providing gift-related notifications, and managing funds in a gift that the recipient does not redeem. A system configured to practice a first method receives an object associated with a gift, receives a tag associated with the object, and transmits the object to the giver. A system configured to practice a second example method uses face identification at the merchant to identify a recipient of a gift. The system can transmit a reminder to the recipient regarding the gift. In a third example method, the system creates a gift and notifies the recipient of the gift. If the recipient never redeems the gift, then the giver is not charged for the gift and no transaction occurs.

Abstract: Systems, methods, and computer-readable media for chopping up a gift card/code into smaller multiple gift card/codes. The system receives a request from a user to convert a closed-loop card/code having a value amount into two different closed-loop cards/codes and divides (or “chops up”) the closed-loop card/code into a first closed-loop card/code having a first value amount and a second closed-loop card/code having a second value amount, wherein the first value amount and the second value amount add up to no more than the value amount. The system offers the first closed-loop card/code and the second closed-loop card/code to one of the user and a third party.

Abstract: Systems and methods are directed to monitoring the communications to and from a mobile communication device in accordance with one or more embodiments. For example in accordance with an embodiment, data services such as a mobile wallet on a mobile communication device may be monitored against rules stored in a central data center repository. Other data services may include all forms of communications between the mobile communication device and a third party along with changes to application or data within the mobile communication device. An alert may be provided to an administrator when unauthorized mobile wallet activity is detected and/or a message may be sent to the mobile communication device to prevent the unauthorized mobile wallet activity.

Abstract: A method is provided of alerting a merchant after completion of a transaction that the payment instrument used for the transaction has been identified as being suspect. A reporting processor receives payment instrument indicia regarding payment instruments which have been used for completion of transactions by the merchant, and payment instrument indicia regarding payment instruments which have been identified as being suspect. The reporting processor compares the payment instrument indicia which have been used for completion of transactions by the merchant with the payment instrument indicia which have been identified as being suspect to identify matching payment instrument indicia. The matching payment instrument indicia is associated with suspect payment instrument indicia used by the merchant for completion of the transaction. An electronic communication is provided to the merchant regarding any identified suspect payment instrument indicia.

Abstract: A method for verifying a consumer's identity in connection with a consumer/merchant transaction, including receiving a user-identifier from a user, receiving a unique device identifier from an electronic device associated with the user, associating the user-identifier and the unique device identifier of the user to a user account residing on a secured transaction server (“STS), the STS not operated by the merchant and including an identity verification agent. The method further includes receiving a consumer identity verification request at the STS, receiving a unique device identifier associated with an electronic device of the consumer at the STS, comparing, through the identity verification agent, the user's unique device identifier and the consumer's unique device identifier to determine at least one of a positive or negative user-identity verification, and then communicating to the merchant the at least one of the positive or negative user-identity verification.

Abstract: A web browser inserts a user-neutral identifier into its webpage requests. A proxy server creates records of the webpage requests, and further processes these records to create and update profiles for the corresponding user-neutral identifiers. Upon receiving a webpage request including payment transaction information, which is redirected from a payment provider, the proxy server determines whether payment should be processed by analyzing one or more data elements in the request in view of the corresponding profile. Upon determining that the payment should be processed, the proxy server forwards the payment transaction information to a payment provider. By indexing the profiles according to user-neutral identifiers, rather than specific user information, user privacy can be maintained while still being able to authenticate whether a payment transaction is legitimate.

Abstract: A self-service transaction and automatic emergency hedge system, including an emergency signal generation module (10) and a self-service terminal control module (20). The emergency signal generation module (10) is used for, during transaction, collecting and identifying current environment information within the safety area of a self-service terminal, extracting user feature information in the collected current environment information to compare with the stored user comparison information, and if they are inconsistent, then emitting an emergency interruption service signal, wherein the user comparison information is the user feature information collected and stored when a user inputs a correct password for transaction. The self-service terminal control module (20) is used for detecting and receiving the emergency interruption service signal and controlling the self-service terminal to stop a transaction according to the emergency interruption service signal.

Abstract: Generally, this disclosure describes authentication using biometric data for mobile device e-commerce transactions. A method may include capturing a mobile device user's biometric data; comparing the captured biometric data to authorized user biometric data stored on the mobile device; and authenticating an e-commerce transaction if the captured biometric data corresponds to the authorized user biometric data stored on the mobile device.

Abstract: A system is presented for performing secure transactions, the system including a payment member, such as a payment card, a monitoring device monitoring that the payment member is physically near the monitoring device and a portable communication device, such as a cell phone, used to communicate with a credit card server. The monitoring device checks to see if it can establish a close range communication link with the payment member and the sends information to the credit card server permitting transactions to be completed. The customer associated with and carrying the payment member, the monitoring device and the portable communication device is authenticated using a biometric sensor in the monitoring device.

Abstract: Embodiments of the invention introduce systems and methods for using a payment processing network to conduct transactions between accounts not associated with the payment processing network. One embodiment of the invention discloses a method for conducting a funds transfer transaction. The method comprises receiving a recipient bank identifier and a recipient account identifier associated with a recipient account, determining a recipient bank primary account number (PAN) using the recipient bank identifier, generating an authorization request message comprising the recipient bank PAN and the recipient account identifier, sending an authorization request message for a transaction to a recipient bank computer, wherein the recipient bank PAN is used to route the authorization request message to the recipient bank computer, and receiving an authorization response message.