Abstract: A computer receives a data set and determines the data type of the column data within. The computer identifies a second data set with columns of the same data type. The computer compares the contents of the columns and the formatting of the contents to determine a score representative of the relevancy of the data sets to one another. Responsive to the score exceeding a threshold, the computer suggests the second data set to a user.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for altering bill payments. An exemplary apparatus is configured to: determine a customer meets the eligibility requirements for altering bill payments, provide an option for the customer to participate in a service for altering bill payments based at least partially on determining the customer meets the eligibility requirements for altering bill payments, receive a request from the customer to alter one or more bill payments, and alter the one or more bill payments based at least partially on the request to alter one or more bill payments.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for altering bill payments. An exemplary apparatus is configured to: receive eligibility requirements for altering bill payments payable to a third party, establish an agreement with the third party to provide a service for altering bill payments payable to the third party, receive a request from the customer to alter a bill payment payable to the third party, where the bill payment is associated with an original payment arrangement having an original amount due on an original payment due date, and facilitate altering the bill payment payable to the third party based at least partially on the request to alter the bill payment.

Abstract: The invention relates to a method and a system adapted to the payment of a bill (14) by a cellular device (18) by reading a code (22) provided on the bill (14), and transmitting (24) the code (22) to a secure payment switch (26) for evaluation of its accuracy.

Abstract: The electronic payment systems and methods of the present disclosure accelerate debt payoff and reduce interest expense. A method of operating an electronic payment system includes storing funding source information relating to at least one funding source in a database, storing funding schedule information, which includes funding schedule type, relating to at least one funding schedule corresponding to the at least one funding source in the database, and allocating an available funding amount from the at least one funding source to the plurality of recurring payment accounts based upon the funding source information, the funding schedule information, and the recurring payment account information.

Abstract: A computer-based method for associating ownership of anonymous payment cards uses a computer device including a processor in communication with a transaction database. The method includes identifying a target account number for a payment card from the transaction database, identifying a set of transaction times associated with the target account number from the transaction database, and comparing the target account number to each candidate account number of a set of candidate account numbers from the transaction database. Comparing the target account number includes identifying a first candidate set of transaction times associated with a first candidate account number of the set of candidate account numbers, comparing the target set of transaction times to the first candidate set of transaction times, and identifying the first candidate account number as a match candidate if the target set of transaction times and first candidate set of transaction times do not include overlapping transactions.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer regarding a transaction to augment data in a customer's online banking application. As such, present a customer with viewable purchase transaction data alongside online banking data, which allows a customer to view all customer transactions irrespective of payment means within a single online banking application. The invention identifies and retrieves electronic communications between a merchant and a customer associated with a transaction (such as e-receipts). Subsequently, the invention integrates the e-receipt data into the customer's online banking application for a holistic customer transaction view.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer regarding a transaction to augment data in online banking to create a personal finance management system. The personal finance management system providing a customer with a granular categorization of spending based on item level spend, wherein the finance management incorporates customer transactions completed with any payment means a customer may use (including cash transactions). The invention identifies and retrieves electronic communications between a merchant and a customer associated with a transaction (such as e-receipts). Subsequently, the invention integrates the e-receipt data into a customer's online banking.

Abstract: The present invention relates to a method and system for performing fraud screening and choosing whether to accept or deny a transaction within any channel. The system may facilitate the fraud screening processing for the case where this channel is the offline card not present channel, which may be utilized for call center transactions. The system may include a server that receives a transaction request and performs a first fraud screening based on transaction information of the requested transaction. The server may further determine which operation to perform: whether to issue a final response right away (accept, reject) or whether to gather more information before issuing a final response. The information gathering may be an authentication method only usable in another channel (online channel or offline card present channel). The server may create an asynchronous payment, which secures the reservation of the good, while allowing performing the new channel authentication at a later time.

Abstract: An anti-fraud system and its method for on-line transaction with credit card, comprising an on-line transaction anti-fraud system linked between at least an e-commerce client and at least a verification/authorization agency; said on-line transaction anti-fraud system and verification/authorization agency may implement corresponding verification or verification and authorization according to different trading levels of the credit card; said on-line transaction anti-fraud system consists of at least a multi-information verification module, at least a mobile phone real-time ID verification module, at least a database and at least a consumption behavior analysis module; said consumption behavior analysis module is used to analyze the historic consumption records of the credit card consumer in the database, judge the trading risk levels, and activate the multi-information verification module or the mobile phone real-time ID verification module specific to different verification mechanisms, so as to identify the ri

Abstract: In certain embodiments, a system for executing electronic transaction services comprises one or more interfaces operable to receive access credentials for a plurality of accounts held with a plurality of enterprises, wherein the plurality of accounts are associated with an entity and one or more processors communicatively coupled to at least one of the one or more interfaces, the one or more processors operable to access, account data from the plurality of accounts, monitor transactions in the plurality of accounts, determine one or more transaction patterns, determine one or more proposed transactions, wherein the one or more proposed transactions represent electronic transfers of funds involving one or more of the plurality of accounts, and determine one or more advantages to the entity associated with the one or more proposed transactions.

Abstract: In certain embodiments, a system for executing electronic transaction services comprises one or more interfaces operable to receive service data related to a plurality of service requests, receive a first message identifying a user, an electronic transaction service, and a problem associated with the user and the electronic transaction service, communicate a second message to one or more service administrators identifying the user, the electronic transaction service, and the problem, receive, from at least one of the one or more service administrators, authorization credentials and a limit to the use of the electronic transaction service for the user, and one or more processors operable to determine whether the authorization credentials satisfy authorization criteria, and, if the authorization credentials satisfy the authorization criteria, apply the limit to a subsequent service request by the user.

Abstract: A method for authenticating a user in a payment transaction using a computing device includes: storing location data entries, each entry including a geographic location of a mobile device and a time; receiving an authorization request for a payment transaction, the request including an account identifier, location identifier, and authorization time; identifying a specific data entry where the included time is within a predetermined period of time of the authorization time; when the location included in the specific data entry is indicative of the mobile device being not present at the location of the location identifier, transmitting a request to a computing device associated with the account identifier for action by a user to prove their identity; receiving, data conveying the action taken by the user; and authenticating the user based on the received data and authentication information associated with a payment account corresponding to the account identifier.

Abstract: A system, method, and computer-readable storage medium configured to enable an immediate online credit refund transaction.

Abstract: A method and system for processing a transaction between a merchant and a consumer using a consumer mobile device wherein the consumer mobile device is in communication with a payment processing computing device having a memory are provided. The method includes receiving merchant data associated with the merchant, receiving a consumer alias associated with the consumer, receiving, a transaction request message from the consumer mobile device, the transaction request message including a merchant identifier, a transaction amount, a device identifier associated with the consumer mobile device, and consumer verification data, retrieving the account number based on the device identifier and the consumer verification data, retrieving the merchant data based on the merchant identifier, generating an authorization request message including the account number, the transaction amount, and the merchant data, and transmitting the authorization request message over a payment network to an issuer bank.

Abstract: A fraud detection system and method uses unique indicators for detecting fraud that extend beyond traditional transaction-based indicators. These unique indicators may include environmental information about a customer or a transaction. Such indicators may be used to identify fraud events based on computer-executable instructions that evaluate fraud risk. Further, an improved fraud detection system may include a learning component with a feedback loop. Also, authenticating and other information may be directed to the system for updating indicating data, fraud models, and risk assessments.

Abstract: Systems and methods for communicating risk using token assurance data are provided. A network token system provides a platform that can be leveraged by external entities (e.g., third party wallets, e-commerce merchants, payment enablers/payment service providers, etc.) or internal payment processing network systems that have the need to use the tokens to facilitate payment transactions. An authorization request message can include a token assurance level code that is indicative of a token assurance level associated with a generated token. External or internal entities may use the token assurance level to evaluate risk associated with a payment transaction that uses the token.

Abstract: Systems and methods for interoperable network token processing are provided. A network token system provides a platform that can be leveraged by external entities (e.g., third party wallets, e-commerce merchants, payment enablers/payment service providers, etc.) or internal payment processing network systems that have the need to use the tokens to facilitate payment transactions. A token registry vault can provide interfaces for various token requestors (e.g., mobile device, issuers, merchants, mobile wallet providers, etc.), merchants, acquirers, issuers, and payment processing network systems to request generation, use and management of tokens. The network token system further provides services such as card registration, token generation, token issuance, token authentication and activation, token exchange, and token life-cycle management.

Abstract: Systems and methods for interoperable network token processing are provided. A network token system provides a platform that can be leveraged by external entities (e.g., third party wallets, e-commerce merchants, payment enablers/payment service providers, etc.) or internal payment processing network systems that have the need to use the tokens to facilitate payment transactions. A token registry vault can provide interfaces for various token requestors (e.g., mobile device, issuers, merchants, mobile wallet providers, etc.), merchants, acquirers, issuers, and payment processing network systems to request generation, use and management of tokens. The network token system further provides services such as card registration, token generation, token issuance, token authentication and activation, token exchange, and token life-cycle management.

Abstract: A payment system determines a required level of authentication for a payment transaction by a candidate consumer, based on a correlation with transactions by other consumers related to the candidate consumer, identified for example from one or more social networks. The correlation may be based on geographical location, time and/or type of transaction. A high correlation may indicate a group activity which requires a lower level of authentication.

Abstract: A managing platform for appending supplemental payment data to a transaction message receives a transaction message representative of a credit card transaction from a merchant or an associated financial institution. The managing platform uses the transaction data contained in the transaction message and other information to determine whether the transaction satisfies one or more payment rules previously established by the cardholder. If the transaction satisfies a payment rule, the managing platform appends supplemental payment data to the transaction message in a format specified by a financial institution associated with the cardholder. The supplemental payment data includes information identifying a secondary payment account associated with the satisfied payment rule. The managing platform subsequently transmits the appended transaction message to the financial institution associated with the cardholder.

Abstract: Systems and methods are provided for postponing check settlement. According to one or more embodiments, a method is provided. The method may include receiving, by a computer including one or more processors, check information associated with a check on a current date. The method may also include determining, by the computer, a destination account identifier for the check and determining whether to postpone settlement of the check until after the current date. Furthermore, the method may include identifying, by the computer upon a positive determination to postpone settlement of the check, a delayed settlement date associated with the check.

Abstract: A system which comprises a server which processes a plurality of financial document transaction requests each having a magnetic ink character recognition (MICR) code and an image of a financial document and a module installed in a portable device having an image sensor, a processor and a transmitter, the module uses the processor to extract a MICR code from a financial document imaged in an image captured using the image sensor and uses the transmitter to forward the MICR code and the image to the server via a network as a financial document transaction request.

Abstract: Genetic information relating to clinically significant attributes are generated as unique molecular signatures, which are provided to a subscriber to be carried as a card or in another form, including for display by a subscriber's computer or smart-phone or PDA. The signature is periodically updated as new clinically significant attributes become known. The process of updating the signature and using it to obtain suitable products (which don't have an unacceptable risk of generating an adverse reaction or outcome) is also described.

Abstract: An authentication system, a mobile electronic device, an instantiating unit and a method, as well as a computer program product are disclosed for the authentication of a patient against a central registry which exchanges data with a repository for the storage of medical data records. In an embodiment, an individualised application is loaded and installed on the mobile radio device in order to sign messages to the registry with a signature. The signature can be triggered in the registry to check the authenticity of the remote patient in order to provide data access.

Abstract: A payment processing server generates an asymmetric cryptographic key pair, over one secure communications channel providing a mobile device with one cryptographic key of the cryptographic key pair, and saves another cryptographic key of the cryptographic key pair in a pending transaction database in unique association with a single-use payment number and a financial account. The server encrypts the payment number, which does not identify the financial account, with the another cryptographic key and provides the mobile device with the encrypted payment number over another secure communications channel distinct from the one secure communications channel. The server receives from a payment terminal a payment completion request that includes the encrypted payment number decrypted with the one cryptographic key.

Abstract: A system that includes an issuer system that receives, via a network, registration information from a mobile device, wherein the issuer system is associated with a financial institution that issues a smart card to a user and wherein the registration information includes an identifier of the mobile device, and a mobile device application associated with the issuer system, that when executed on a mobile device, communicates with the issuer system to validate the mobile device as a trusted device and enables the trusted device to communicate with the smart card and enable smart card management features mobile device application.

Abstract: A system for authorizing and facilitating payment transactions utilizing a payment device, a merchant terminal, and a payment server. The payment server generates unique, single-use payment credentials and provides the payment credentials to the payment device, which transfers the payment credentials to the merchant terminal. The merchant terminal submits the payment credentials and transaction request to the payment server, which facilitates the transfer of funds between the consumer and the merchant upon validation of the payment credentials. In an alternate use of the system, the payment device requests to open a running bill of charges with the merchant terminal. The payment device or the merchant terminal requests the payment server to close out the bill and finalize the charges. The payment server facilitates the transfer of funds between the consumer and the merchant. The payment server provides automated and manual accounting functions to both the consumer and merchant.

Abstract: A computer-implemented method includes allowing a first user to initiate a design of an image product on a first device, allowing the design of the image product to be shared to mobile devices operated by second users, receiving personalized messages comprising a plurality of pixels from the first user or the second users by a network-based image service system, storing personalized messages from the first user or the second users in different layers at a data center in the network-based image service system, concurrently broadcasting changes in values of the pixels to the first device and the mobile devices to allow an overlay of the personalized messages on the first device or the mobile devices, and incorporating the personalized messages into the design of the image product by the network-based image service system.

Abstract: Disclosed is an aggregation computing system and associated method for providing warranty, safety, and/or insurance notifications to a customer.

Abstract: An approach for providing notifications on product recalls. The approach includes parsing a transaction history to determine a product acquired by a user. The approach also includes determining recall information associated with the product. The approach further includes presenting a notification to the user regarding the recall information.

Abstract: A method includes managing a customer database for an automobile dealership, identifying a customer in the database when a vehicle of the customer enters in proximity of the automobile dealership, and providing information to the customer that is personalized to the customer.

Abstract: Provided in the present invention is a system and a method for obtaining indication information. The system comprises: a product device including a control part for obtaining product status information and generating a product status identification based on the same; an information collection part for collecting the product status identification; an information transceiving part for transmitting the product status identification to a server and receiving service information returned from the server; and the server which includes a receiving part for receiving the product status identification transmitted by the information transceiving part, an information processing part for obtaining corresponding service information according to the product status identification, and a transmitting part for returning the service information to the information transceiving part.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer regarding a transaction to verify ownership information and maintenance/service information of a product. In one embodiment, a system is configured to: identify and retrieve electronic communications between a merchant and a customer associated with a transaction; determine ownership information and maintenance/service information of the product from the electronic communication; and generate a profile for the product based on the ownership information and maintenance and service information.

Abstract: A computer-implemented method and system of designing failure modes of a product is provided. The method comprises: decomposing systems of the product into subsystems based on information stored in a database; receiving through a user interface a failure mode for at least one of the subsystems; adding at least one requirement to the subsystem to address the failure mode; implementing the at least one requirement; validating the implementation at a subsystem level, a system level and a product level; and outputting results of the validating to a configuration system.

Abstract: The disclosure provides a monolithic floor for use with a hot slag bucket. The monolithic floor improves the lifespan of the bucket when used with hot slag by reducing warpage caused by heating and cooling and thus significantly reduces the cost of owning and operating the hot slag bucket.

Abstract: The presently disclosed subject matter provides techniques for the automation of legal document review and creation of summary documents. The disclosed subject matter can be operated in training mode or classification mode. A preprocessor generates candidate items and associated features from input documents. Candidate items can be presented to a machine learning classifier, which classifies them as relevant or not relevant to a given legal category. A summary document can be provided including the relevant candidates.

Abstract: A system includes at least one processor and at least one storage device in communication with the at least one processor. The at least one storage device includes instructions that, when executed by the at least one processor, enable the performance of a method including the steps of generating to a display device a graphical user interface comprising elements enabling at least one user to enter alphanumeric data and responses to questions presented within the user interface; presenting within the user interface an interview comprising a set of questions that are based on a set of requirements of at least one government regulation; generating, based on responses to the set of questions received from the at least one user, a decision on whether to grant a government-provided benefit to a potential recipient of said benefit; and updating a database with the responses provided by the user.

Abstract: Systems, apparatuses, and methods for managing multi-component kit inventory are discussed herein. Some embodiments may include a system with a networked device including circuitry configured to determine a kit has been received subsequent from the kit being in a user's possession. The kit may include multiple individual units. In responsive to determining that the kit has been received, the circuitry may be configured to: determine a unit compliance threshold; determine whether the kit was received with enough of the units to exceed the unit compliance threshold; and in response to determining that the kit, as received, exceeded the unit compliance threshold, initiate a remedial action. The remedial action may include notifying the user that the kit as received exceeded the unit compliance threshold. Furthermore, the user may be charged and/or the kit may be replenished, replaced or corrected prior to being placed in recirculation.

Abstract: The present invention is directed to providing an online compliance training and monitoring system that allows informational modules to be distributed hierarchically within a client's organizational structure. As the informational modules are distributed hierarchically, the client can make customizations to the informational modules that will apply at specified levels of the client's organizational hierarchy. Customizations can be made at the client level which will apply to versions of the informational module distributed to each office under the client account. Similarly, customizations can be made at the office level which will apply to versions of the informational module distributed to users of the office that made the customizations. In this way, a customized informational module can be provided to each office within the client's hierarchy so that the office receives the training and informational material that is required by the rules and regulations that govern the office.

Abstract: A website is provided for certifying a sales representative. A website can provide an interface through which reps can register to become certified. Certification implies that the rep has agreed to abide by various rules when visiting a provider. Once registered, a rep can be listed on the website along with information that identifies the product or service that the rep markets. The website can also provide functionality for a provider to report when a rep has violated a rule during a visit. The website can track a number of violations that a rep has committed and, after the number exceeds a threshold, can revoke the certification of the rep so that rep will no longer be listed as a certified rep on the website. A provider may therefore rely on the website to identify reps that will provide value to the provider during a visit.

Abstract: The Invention involves using GPS technology to determine where a person has been and then permitting posting of reviews of subjects only if the reviewer has visited that subject within a specified period of time.

Abstract: The present invention generally relates to systems and method for developing and utilizing social networks to achieve a goal. Specifically, this invention relates to systems and methods for the advantageous use of social networks to support an employment search.

Abstract: A system and process for increasing convergence of potential donors to actual donors of projects seeking crowdfunding is disclosed. In some embodiments, the system connects streaming video conversations, individual personal profiles, and fundable project descriptions to provide a potential project donor with a set of in-depth contextually relevant information resources related to a project seeking crowdfunding. In some embodiments, the process improves the conversion of potential project donors to actual project donors by presenting potential project donors with streaming video conversations, individual personal profiles of conversation participants, related fundable project descriptions, and related donation payment gateways which allows a potential project donor to become informed of the issues being addressed by a particular project seeking crowdfunding.

Abstract: Method and system are provided to determine a member profile associated with a reference to a person in a publication and may be used beneficially to identify members of a social network in news articles. The system may be configured to detect a publication that was shared by a member of an on-line social networking system, determine that the publication includes a name entity, and identify a member profile in the on-line social networking system that represents a member referenced by the name entity. The process of identifying a member profile in the on-line social networking system that represents a member referenced by the name entity may include building a list of candidate profiles from the member profiles of the on-line social networking system and selecting a matching profile from the candidate profiles, utilizing one or more disambiguation techniques.

Abstract: A method for evaluating an applicant for a job includes transmitting applicant presentation information from a server to a computer associated with an applicant and receiving applicant response information at the server from the computer associated with the applicant. The applicant presentation information includes at least one question and a record icon. The applicant response information includes audio information recorded in response to an interaction with the record icon. The audio information is stored in the server. The method further includes transmitting administrator presentation information from the server to a computer associated with an administrator. The administrator presentation information includes information identifying the applicant, the at least one question, a play icon associated with the at least one question, and the audio information.

Abstract: The subject matter disclosed herein provides methods for facilitating introductions with new employees using a mobile application. The method may maintain profiles that include one or more new employee and existing employee profiles. The profiles have identifiers that identify the employees. A first request may be received from a mobile program running on a first mobile device of a first employee when the first mobile device is within a predetermined distance of a second mobile device of a second employee. The first request may include an identifier associated with the second employee. A profile of the second employee may be accessed based on the identifier to determine whether the second employee is a new or an existing employee. A notification may be sent to the mobile program running on the first mobile device based on the determination. Related apparatus, systems, techniques, and articles are also described.

Abstract: A central logistics system may be provided and configured to host a website accessible to goods providers and freight providers. Through the website, the central logistics system may receive data (e.g., bids, quotes, and other messages and data) from goods and freight providers, and send data (e.g., bids, quotes, and other messages and data) to goods and freight providers. This data exchange, in part, enables the collaborative trade of bids and quotes between multiple goods providers and multiple freight providers in a centralized fashion.

Abstract: The present invention relates to a computerized system for the distribution of a digital publishing product (200) realized by means of the Adobe InDesign™ publishing software platform.

Abstract: Methods, systems and computer readable media are described herein for capturing event feedback and providing a representation of feedback results generated using the feedback indicia. The representation of feedback results involves configuring a transmission module of the computing device to synchronize to an event record representing an event; receiving feedback indicia associated with an event at the computing device; operating a data processor of the computing device to assemble a feedback indicia array using the feedback indicia; and providing the event feedback to a remote data processing module. The capturing of event feedback involves storing a plurality of different event records for a plurality of different events; for each event record, receiving a plurality of feedback indicia arrays; and for each event record determining an aggregate feedback result array from the plurality of feedback indicia arrays.