Patents Issued in March 31, 2016
  • Publication number: 20160092835
    Abstract: A restaurant cleaning mop includes a color label on the surface of the mop handle to identify the area of the restaurant in which the cleaning mop is to be utilized. The mop handle is detachable from a mop head and the handle bears the indicia. Moreover, since the indicia is provided on the detachable handle, the non-differentiated mop head can be easily replaced as needed and the mop handle remains in the designated area while the mop head is replaced. In another aspect, this invention is directed to an inventory management scheme in which a first detachable part of a cleaning tool, such as a mop handle, bears coded indicia to indicate a particular zone or area of a facility in which the tool is to be used.
    Type: Application
    Filed: November 6, 2015
    Publication date: March 31, 2016
    Applicant: Cintas Corporation
    Inventors: David F. Collette, Richard R. Bing, Tricia Hubbard
  • Publication number: 20160092836
    Abstract: The Transportation Network Solution “TNS” represents a major innovation to the current transportation management processes, technologies and networks that procure transportation based on carrier provided contract rates. The TNS Benchmark Rate Table, TNS Rule Engine and the TNS Transportation Providers Network comprise an integrated process to enable a Shipper to secure transportation capacity in a more cost competitive and comprehensive basis. The Transportation Network Solution “TNS” offers several compelling benefits to the Shipper. The TNS Benchmark Rate Table enables the Shipper to establish the rates they would like to pay for LTL and truckload transportation—manually or automatically. The net result is a predefined savings level on any tender accepted by the TNS Transportation Network Providers Network—lowering the Shipper's transportation costs. The Shipper can implement the Transportation Network Solution “TNS” without any modifications to their ERP or TMS.
    Type: Application
    Filed: October 1, 2015
    Publication date: March 31, 2016
    Inventor: David Samuel Alioto
  • Publication number: 20160092837
    Abstract: The present application present systems and methods for leveraging existing sources of information to supplement and enhance job opening postings and other types of business postings. A plurality of sources, including social network sites, talent profiles, and/or surveys and questionnaires are accessed in order to retrieve data relating to a business object. The retrieved data is transformed, such that it may be used to supplement job opening postings and other types of postings with job description data, work culture data, and other business-related data in order to build a social brand for the business.
    Type: Application
    Filed: September 26, 2014
    Publication date: March 31, 2016
    Applicant: ORACLE INTERNATIONAL CORPORATION
    Inventors: Namita PANIGRAHI, Kerry HODDER, Kathi Lynn CHENOWETH, Ravi Shankar BANDA
  • Publication number: 20160092838
    Abstract: Techniques for standardizing and deduplicating unpaid job postings obtained from third-party systems are described. An unpaid job posting is obtained by a social networking service from a third-party system. The title and description of the unpaid job posting are standardized and combined into a standardized unpaid job posting. A deduplication process is performed to prevent the standardized unpaid job posting from replacing a paid job posting within the social networking service, and to prevent the standardized unpaid job posting from replacing a more authoritative, unpaid job posting within the social networking service.
    Type: Application
    Filed: September 30, 2014
    Publication date: March 31, 2016
    Inventors: David Hardtke, George Ben Martin, Jacob Bollinger, Lance Wall
  • Publication number: 20160092839
    Abstract: Techniques for standardizing and deduplicating unpaid job postings obtained from third-party systems are described. An unpaid job posting is obtained by a social networking service from a third-party system. The title and description of the unpaid job posting are standardized and combined into a standardized unpaid job posting. A deduplication process is performed to prevent the standardized unpaid job posting from replacing a paid job posting within the social networking service, and to prevent the standardized unpaid job posting from replacing a more authoritative, unpaid job posting within the social networking service.
    Type: Application
    Filed: September 30, 2014
    Publication date: March 31, 2016
    Inventors: Jana Vembunarayan, Sachit Kamat, Prashanth Govindarajan, Anthony Duerr, Oystein Thorsen
  • Publication number: 20160092840
    Abstract: Techniques for upselling a limited job posting to a premium job posting are described. A determination module can access job listing data from a limited job. Additionally, the determination module can access member data from a social network. Furthermore, the determination module can determine a value for the limited job posting based on the accessed job listing data and the accessed member data. Moreover, the determination module can generate a job application based on the accessed job listing data and the accessed member data, when the determined value is above a predetermined threshold. Subsequently, the determination module and an upsell module can upsell the limited job posting to a premium job posting by using the generated job application data. In some instances, the upsell module can market to the job poster in order to upsell the limited job listing, and fill empty job slots already paid by the job poster.
    Type: Application
    Filed: December 1, 2014
    Publication date: March 31, 2016
    Inventors: Eduardo Vivas, Deniz Kahramaner, Deepak Kumar, Jieying Chen, Onkar Anant Dalal, Vibhu Prakash Saxena
  • Publication number: 20160092841
    Abstract: A mobile computing device displays details of a job that is posted on a social networking service as an unpaid job posting together with an option for upgrading the unpaid job posting to a paid job posting with associated advantages in comparison to the unpaid job posting. The mobile computing device displays a fee for the upgrade and at least one of the associated advantages of the paid job posting. The mobile computing device displays a user interface option for requesting that other associated advantages of the paid job posting be presented. The mobile computing device displays a specified number of other associated advantages of the paid job posting if a user selects this option. If a user elects to upgrade an unpaid job posting to a paid job posting, the mobile computing device will present the user with an interface for payment of the fee for the upgrade.
    Type: Application
    Filed: December 30, 2014
    Publication date: March 31, 2016
    Inventor: Sachit Kamat
  • Publication number: 20160092842
    Abstract: This invention is directed toward a calendar that can be used to track time in both the traditional sense with sequential days, and in the project-planning sense allowing a user to track progress on one or more tasks that require more than a day to complete. The invention can be produced in both physical versions, such as paper or cardstock calendars, or projected onto a wall, or created through software programmed for this purpose. The software version would be customizable to each individual user's preferences. By presenting both the time-tracking and project-tracking aspects of the invention on a single item—whether it is a physical calendar or one on a computer—the user is benefited by the close proximity of the two functions, which are normally found on two entirely different items.
    Type: Application
    Filed: September 23, 2015
    Publication date: March 31, 2016
    Inventor: Bryan Wright
  • Publication number: 20160092843
    Abstract: An electronic device, a method of managing a schedule, and a non-transitory computer-readable storage medium are provided. The electronic device includes a processor configured to acquire schedule-related information, acquire parsed data by parsing the acquired schedule-related information, and transmit the parsed data to a plurality of applications, and an output unit configured to output a result of processing the parsed data through the plurality of applications. The method includes acquiring schedule-related information; acquiring parsed data by parsing the acquired schedule-related information; transmitting the parsed data to a plurality of applications; and processing the parsed data through the plurality of applications.
    Type: Application
    Filed: September 28, 2015
    Publication date: March 31, 2016
    Inventors: Da-Hey YOO, Yo-Han LEE, Chi-Hoon LEE
  • Publication number: 20160092844
    Abstract: In one embodiment, a method for confirming attendance in a meeting is implemented on a computing device and includes: presenting a request to confirm attendance of a scheduled meeting, where the presenting is performed at a confirmation time associated with the scheduled meeting, and the confirmation time is determined as a function of a scheduled start time for the scheduled meeting, receiving a confirmation response to the request, receiving details of other confirmation responses provided by expected attendees of the scheduled meeting; and displaying an attendee confirmation status report on the computing device, where the attendee confirmation status report includes at least the details of the other confirmation responses.
    Type: Application
    Filed: September 29, 2014
    Publication date: March 31, 2016
    Inventors: Rory ZHANG, Bin ZHU, Guang XU, Dong ZHANG, Juanny WANG
  • Publication number: 20160092845
    Abstract: A system and method for the efficient scheduling of client appointments is provided. Specifically, the system and method of the instant invention analyzes data points attributable to specific scheduled patients in order to predict the overall workload for service providers in a given period and then, if appropriate, recommendations are made for adding additional appointments to a schedule in an optimal manner in order to align the number of clients to be seen with the number of appointment slots available.
    Type: Application
    Filed: October 8, 2015
    Publication date: March 31, 2016
    Inventor: Jonathan Vogan
  • Publication number: 20160092846
    Abstract: Method and apparatus for statistically determining buffers for time variances for scheduled operations. Buffers for a particular operation can be based on a statistical analysis of past instances of the specific operation, and a buffer can be applied based on a selected statistical confidence interval. The statistical analysis can include determining a Gumbel distribution for time variances for a particular operation. Once buffers have been determined for the various operations, itineraries of operations can be prepared such that the scheduled times plus the buffer times for the operations in an itinerary do not exceed personnel limits of the personnel who may be assigned to the itineraries.
    Type: Application
    Filed: February 25, 2015
    Publication date: March 31, 2016
    Inventors: Alejandro Oswaldo Hernandez ROMERO, Michael J. WOICEKOWSKI, Oleksandr BASANETS
  • Publication number: 20160092847
    Abstract: In an embodiment, a method facilitates battery replacement in a smart-home system. The method includes measuring, by one or more smart-home devices, at least one characteristic of a first battery in one of the smart-home devices, and determining from the at least one characteristic, whether replacement of the first battery is warranted. If replacement is warranted, the method sends an electronic order to a supplier for a replacement battery. The method further includes reading, by one or more of the smart-home devices, a machine readable code that accompanies a shipment of the replacement battery, embodying information from which an identity of the first smart-home device can be determined; determining, based at least in part on the information, a location of the first smart-home device; and providing, by one or more of the smart-home devices, visual and/or audible information to guide a user to the first smart-home device.
    Type: Application
    Filed: September 25, 2014
    Publication date: March 31, 2016
    Applicant: Google Inc.
    Inventor: Charles Prince Buchbinder
  • Publication number: 20160092848
    Abstract: A system includes: an apparatus information acquiring unit to acquire, from an apparatus, apparatus information regarding the apparatus; an analysis unit to make an analysis based on the acquired apparatus information; and a service determining unit to determine, on the basis of a result of the analysis, which service of a plurality of services should be provided for the apparatus, the services including a first service of additionally performing maintenance based on the result of the analysis when next other maintenance is performed for the apparatus.
    Type: Application
    Filed: September 25, 2015
    Publication date: March 31, 2016
    Applicant: RICOH COMPANY, LTD.
    Inventors: Tatsuhiko Nakajima, Eiichi KATOH, Hiroshi NISHIDA
  • Publication number: 20160092849
    Abstract: The present disclosure describes various embodiments of methods and systems for developing pricing and performing other processes associated with recycling mobile phones, other consumer electronic devices, and/or other goods and services. In some embodiments, the methods and systems disclosed herein can be employed by a user-operated kiosk to determine a price to offer the user for a mobile phone or other electronic device that cannot be sufficiently identified by the kiosk. In some embodiments, the price can be an adjusted price, such as a weighted average price.
    Type: Application
    Filed: September 26, 2014
    Publication date: March 31, 2016
    Inventors: Vanessa Cirannek, Jeffrey Ploetner
  • Publication number: 20160092850
    Abstract: Embodiments of the present application disclose a method and system for recording purchase data performed by a first terminal device and a second terminal device. During operation, the first terminal device receives a command to record purchase data. In response to receiving the command to record purchase data, the first terminal device scans a digital object identifier generated by the second terminal device. The digital object identifier includes purchase data acquired by the second terminal device. The first terminal device then extracts and records the purchase data from the digital object identifier.
    Type: Application
    Filed: September 8, 2015
    Publication date: March 31, 2016
    Applicant: ALIBABA GROUP HOLDING LIMITED
    Inventor: Linya Qu
  • Publication number: 20160092851
    Abstract: A beverage service system is described herein, and may include a payment facility adapted to receive a payment from a user and load the payment electronically, as a credit for cup units of a beverage, against a user profile created by the user, the user having a near field communication (NFC)-enabled device linked to their user profile, and a beverage dispenser connected to a computer processor. The system may further include a credit receipt circuit in operative communication with the processor and having at least one reader provided in an immediate vicinity of the beverage dispenser, wherein the system is configured to dispense a cup unit of a beverage into each of a plurality of cups respectively having an electronically detectable, unique identification tag on transmission to the at least one credit receipt reader of a request to redeem a cup credit.
    Type: Application
    Filed: November 23, 2015
    Publication date: March 31, 2016
    Inventor: Neil Hofmeyr Hablutzel
  • Publication number: 20160092852
    Abstract: Methods and arrangements are provided for podcast listeners to allocate and distribute payments to podcast content creators based on their engagement and enjoyment of the podcasts. An allocation system provides for monitoring of engagement metrics of listeners, including such metrics as percent of podcast consumed, frequency of consumption, whether the podcast is regularly listened to during a daily commute, and other signs of engagement with the content. Listeners provide a donation budget to the allocation system, representing the total amount of donation for all podcasts listened to. The allocation system then allocates a portion of the donation budget to each podcast according to the level of engagement represented by the engagement metrics that are monitored.
    Type: Application
    Filed: September 30, 2014
    Publication date: March 31, 2016
    Inventors: James O. Boggs, Ryan Griggs
  • Publication number: 20160092853
    Abstract: A system comprising a payment account generated by the payor and adapted to receive the payment from the payor and transfer the payment to the payee in at least one form of payment, a funding account to provide funds to a fund holding account which is adapted to provide the payment to the payment account, a payment processor to process the payment from the payor to the payment account and process the payment from the payment account to the payee, and a payee portal to be accessed by the payee and receive the payment from the payment account. The payment account is a dedicated account for only the payee, and the payee self-directs the transfer of funds and controls the form of payment made from the payment account. A method further comprising generating a payment account, providing funds to the payment account, and self-directing funds from the payment account.
    Type: Application
    Filed: September 25, 2015
    Publication date: March 31, 2016
    Inventors: Greg Bloh, Christopher Fuller, Mark Patterson, David Samples
  • Publication number: 20160092854
    Abstract: An image of a physical book environment is obtained, and the image is associated with a user. The image is processed to detect one or more books in the physical book environment. A title is determined of at least a first book in the physical book environment. One or more operations are then performed to facilitate acquisition of an e-book version of the determined title for the user.
    Type: Application
    Filed: September 26, 2014
    Publication date: March 31, 2016
    Inventors: James Wu, Dae Hyuk Yoon, Sneha Patel, Sameer Hasan
  • Publication number: 20160092855
    Abstract: There is provided a server including a memory configured to store a user database, the user database including a list of entitlements of a user. The server further includes a processor configured to receive a first universally unique identifier (UUID) retrieved by a playback device of the user from a medium storing a media content having a title, determine that the first UUID is registered in a repository, and inquire from the user of the playback device, in response to determining, whether the user desires to purchase an entitlement to the title associated with the first UUID, receive a reply from the user that the user desires to purchase the entitlement to the title, add the title to the list of entitlements of the user, and record a second UUID as registered in the repository, for adding the title to the list of entitlements of the user.
    Type: Application
    Filed: December 22, 2014
    Publication date: March 31, 2016
    Inventors: Edward C. Drake, James Voris
  • Publication number: 20160092856
    Abstract: An operating method of a distributed server includes downloading operating information from a central server, the operating information including information related to card transactions and terminal information on one or more card terminals, receiving a payment request for a card tagged on a card terminal from the card terminal, and performing an operation related to a payment requested by the card terminal based on the operating information. The operating method may further include receiving status information from the central server, the status information indicating whether or not the central server is overloaded, processing the payment requested by the card terminal if the status information indicates that the central server is overloaded, and transmitting a result of processing the payment to the card terminal.
    Type: Application
    Filed: September 30, 2014
    Publication date: March 31, 2016
    Inventor: YONGKYU LEE
  • Publication number: 20160092857
    Abstract: A method can include receiving a first payment from a first payment terminal in a first format, converting the first payment to a unified format, receiving a second payment from a second payment terminal in a second format different from the first format, and converting the second payment to the unified format.
    Type: Application
    Filed: September 29, 2014
    Publication date: March 31, 2016
    Inventors: Mervin Amos, Monish Meiappan
  • Publication number: 20160092858
    Abstract: Systems, methods, and computer-readable media for providing a recommendation of a payment credential to be used by an electronic device in a commercial transaction based on merchant information received by the electronic device are provided. In one example embodiment, a method, at an electronic device that includes a secure element that includes at least one payment credential, includes, inter alia, accessing credential availability data indicative of the at least one payment credential, accessing merchant context data associated with a merchant subsystem, wherein the merchant context data is indicative of a preference for a first type of payment credential over a second type of payment credential, and presenting payment recommendation data based on the accessed credential availability data and the accessed merchant context data. Additional embodiments are also provided.
    Type: Application
    Filed: September 30, 2015
    Publication date: March 31, 2016
    Inventors: Michael Giles, Craig P. Dooley, Anjali S. Sandesara, Abuzar Amini
  • Publication number: 20160092859
    Abstract: In a purchase transaction between a merchant and a customer, a merchant device sends transaction information to a payment gateway and sends a beacon signal containing a transaction identifier to a customer mobile device. The customer mobile device sends the transaction identifier and payment information corresponding to a customer payment account to the payment gateway. The payment gateway applies the transaction identifier to access the transaction information received from the merchant device and sends purchase information based on the transaction information to the customer mobile device. The customer mobile device displays the purchase information to the customer, obtains an indication of customer assent to pay for the item and sends a confirmation of customer assent to the payment gateway. Upon receiving the confirmation of customer assent from the customer mobile device, the payment gateway processes the purchase transaction based on the payment account information.
    Type: Application
    Filed: September 26, 2014
    Publication date: March 31, 2016
    Applicant: Apriva, LLC
    Inventor: Michael S. Klingen
  • Publication number: 20160092860
    Abstract: In a purchase transaction between a merchant and a customer, a merchant device sends transaction information to a payment gateway and sends a beacon signal containing a transaction identifier to a customer mobile device. The customer mobile device sends the transaction identifier and payment information corresponding to a customer payment account to the payment gateway. The payment gateway applies the transaction identifier to access the transaction information received from the merchant device and sends purchase information based on the transaction information to the customer mobile device. The customer mobile device displays the purchase information to the customer, obtains an indication of customer assent to pay for the item and sends a confirmation of customer assent to the payment gateway. Upon receiving the confirmation of customer assent from the customer mobile device, the payment gateway Processes the purchase transaction based on the payment account information.
    Type: Application
    Filed: September 26, 2014
    Publication date: March 31, 2016
    Applicant: Apriva, LLC
    Inventor: Michael S. Klingen
  • Publication number: 20160092861
    Abstract: In a purchase transaction between a merchant and a customer, a merchant device sends transaction information to a payment gateway and sends a beacon signal containing a transaction identifier to a customer mobile device. The customer mobile device sends the transaction identifier and payment information corresponding to a customer payment account to the payment gateway. The payment gateway applies the transaction identifier to access the transaction information received from the merchant device and sends purchase information based on the transaction information to the customer mobile device. The customer mobile device displays the purchase information to the customer, obtains an indication of customer assent to pay for the item and sends a confirmation of customer assent to the payment gateway. Upon receiving the confirmation of customer assent from the customer mobile device, the payment gateway processes the purchase transaction based on the payment account information.
    Type: Application
    Filed: September 26, 2014
    Publication date: March 31, 2016
    Applicant: Apriva, LLC
    Inventor: Michael S. Klingen
  • Publication number: 20160092862
    Abstract: A system that allows for conducting merchant transactions independent of a POS system. The system employs both a merchant venue-specific website and a mobile app. A customer at the merchant venue logs into the website with his or her mobile phone, and the mobile app is automatically notified of the login. The venue keeps track of the customer's total bill amount in any way, and enters it into the mobile app, which in turn updates the website with the total amount owed. The customer can then pay his or her bill through the website, via his/her phone. In this manner, a quick and easy payment system is implemented, allowing users to pay with the card or payment method of their choice, without need for a POS system and without need for downloading or installing any additional software on their mobile device.
    Type: Application
    Filed: September 25, 2015
    Publication date: March 31, 2016
    Inventors: Winston JAEB, D'Arcy J. LAFORGE
  • Publication number: 20160092863
    Abstract: Various embodiments herein each include at least one of systems, methods, and software for on-premises device transaction collaboration. Some embodiments include a method. The method of such embodiments includes identifying a mobile device present within a facility and associating the mobile device with an account holder. Such embodiments further include transmitting, to the mobile device, data representative of transaction options identified in stored data based on an identity of the facility and the account holder.
    Type: Application
    Filed: September 29, 2014
    Publication date: March 31, 2016
    Inventor: Prasad Chintakayala
  • Publication number: 20160092864
    Abstract: Various embodiments herein each include at least one of systems, devices, methods, and software for automated session closing upon location-sensed departure. Some such embodiments may be implemented at retail outlets (e.g., restaurants, salons, stores, etc.) to automatically charge a customer account for ordered items upon an automated detection of a customer retail outlet departure. One embodiment, in the form of a method performed on a server-based system, includes receiving, via a network from a mobile device associated with a customer account, first data indicating the mobile device has departed a retail outlet. The method then generates, from stored retail session data, a final bill including an amount payable and then charges an amount payable from the final bill to a payment account associated with the customer account.
    Type: Application
    Filed: September 29, 2014
    Publication date: March 31, 2016
    Inventor: Curtis Evans
  • Publication number: 20160092865
    Abstract: A user enables a communication, such as through a tap, between an NFC-enabled payment or funding card and a mobile device. Card information, such as the card number, type, and expiration date, are read by the mobile device. The user is then authenticated through the user device, such as by entering a CVV code, a PIN for the card, a cardholder name, and/or a billing address for the card. If confirmed, the card is added to the user's mobile/cloud wallet.
    Type: Application
    Filed: December 8, 2015
    Publication date: March 31, 2016
    Inventor: Ali Minaei MOGHADAM
  • Publication number: 20160092866
    Abstract: A computer system is provided which determines that a mobile device associated with an identified customer is within a seller's store. The computer system further receives transaction information from a mobile wallet application associated with the customer which includes an indication of items that are to be purchased, an indication of the amount that is to be paid, and an indication that payment is to be made from a stored value account (SVA) associated with the customer. The computer system determines, based on the customer's identity, current location, and the received transaction information, that the customer has approved the transaction, processes the transaction using the customer's SVA, provides a credit to the seller in the amount debited from the customer's SVA and generates an electronic receipt for the customer, notifying the customer that the seller has received the specified amount of money from the customer's SVA.
    Type: Application
    Filed: September 28, 2015
    Publication date: March 31, 2016
    Inventors: Michael A. Liberty, Mike Love, Steve Bacastow, Robert Sadeckas, David Michael Cook
  • Publication number: 20160092867
    Abstract: The disclosed embodiments include computerized methods and systems that administer mobile application programs using tokens “pre-loaded” with data. For example, the disclosed embodiments may adaptively identify and pre-load mobile wallets with loyalty products of potential interest to customers. In one aspect, the disclosed embodiments may identify one or more loyalty products that may be of potential interest to a user, and further, that may be missing from the user's mobile wallet. The disclosed embodiments may determine that the user fails to hold a corresponding one of the missing loyalty products, and may transmit user information to an issuer system as a request to acquire the corresponding missing loyalty product from an issuer. Upon receipt of information confirming the acquisition of the corresponding missing loyalty product, the disclosed embodiments may generate a token based on the newly-acquired loyalty product and push the token to a user device.
    Type: Application
    Filed: September 29, 2015
    Publication date: March 31, 2016
    Inventors: Hisham I. SALAMA, Edward LOUNSBURY, Paul Mon-Wah CHAN
  • Publication number: 20160092868
    Abstract: The disclosed embodiments include computerized methods and systems that provide mobile application programs to devices of users and that administer these mobile application programs using tokens “pre-loaded” with data. In one aspect, the disclosed embodiments may generate a mobile payment product, such as a mobile wallet, that is “pre-loaded” with eligible financial products. For example, the disclosed embodiments may receive a request from a user device to obtain an application program that administers the mobile wallet, and in response to the received request, may obtain information identifying one or more financial products eligible for inclusion in the mobile wallet. The disclosed embodiments may generate a mobile wallet token based on the eligible financial product information and store the mobile wallet token in cloud-based storage. The user device may, upon authenticating the user, obtain the mobile wallet token and provision the mobile wallet with the eligible financial products.
    Type: Application
    Filed: September 29, 2015
    Publication date: March 31, 2016
    Inventors: Hisham I. SALAMA, Edward LOUNSBURY, Paul Mon-Wah CHAN
  • Publication number: 20160092869
    Abstract: The disclosed embodiments include computerized methods and systems that enable users to delegate a functionality of a mobile application through pre-loaded tokens. In one aspect, the disclosed embodiments may temporarily delegate or “loan” financial products loaded into a mobile wallet of a user to other eligible users. For example, the disclosed embodiments may receive, from a first user, a request to delegate a financial product to a second user to complete purchase transactions. In response to the received request, the disclosed embodiments may identify one or more temporal or financial conditions on the delegation, and may generate a corresponding mobile wallet token for transmission to a second user device. The second user device may, for example, process the mobile wallet token and establish the delegated financial provide in the second user's mobile wallet in accordance with the at least one of the temporal or financial conditions.
    Type: Application
    Filed: September 29, 2015
    Publication date: March 31, 2016
    Inventors: Hisham I. SALAMA, Edward Lounsbury, Paul Mon-Wah Chan
  • Publication number: 20160092870
    Abstract: The disclosed embodiments include computerized methods and systems that provide mobile application programs to devices of users and that administer these mobile application programs using tokens “pre-loaded” with data. In one aspect, the disclosed embodiments may generate a mobile payment product, such as a mobile wallet, that is “pre-loaded” with eligible financial products. For example, the disclosed embodiments may receive a request from a user device to obtain an application program that administers the mobile wallet, and in response to the received request, may obtain information identifying one or more financial products eligible for inclusion in the mobile wallet. The disclosed embodiments may generate a mobile wallet token based on the eligible financial product information and store the mobile wallet token in cloud-based storage. The user device may, upon authenticating the user, obtain the mobile wallet token and provision the mobile wallet with the eligible financial products.
    Type: Application
    Filed: September 29, 2015
    Publication date: March 31, 2016
    Inventors: Hisham I. SALAMA, Edward LOUNSBURY, Paul Mon-Wah CHAN
  • Publication number: 20160092871
    Abstract: Techniques for obfuscating and deploying digital assets (e.g., mobile applications) are provided to mitigate the risk of unauthorized disclosure. An asset can be received that is to be deployed to a plurality of mobile devices, each of the mobile devices associated with a corresponding account having account attributes. A deployment group of one or more mobile devices for deploying the asset can be identified based on a set of one or more obfuscation parameters, comprising account attributes shared among the one or more mobile devices within the deployment group. A customized obfuscation scheme to be applied to the asset can be determined based at least in part on the set of obfuscation parameters. The customized obfuscation scheme can be applied to the asset to generate an obfuscated asset. The obfuscated asset can be transmitted and/or updated over a network to the one or more mobile devices within the deployment group.
    Type: Application
    Filed: September 29, 2015
    Publication date: March 31, 2016
    Inventors: James Gordon, Roopesh Joshi, David Horton, Johan Van Tilburg
  • Publication number: 20160092872
    Abstract: Embodiments of the invention provision multiple payment tokens on a communication device. The communication device may be provisioned with multiple limited use keys (LUK), each LUK being associated with a specific type of transaction. When the communication device is used for a transaction, the communication device automatically determines a type of the transaction and selects an appropriate LUK based on the determined transaction type. The selected LUK may be used to create a cryptogram, which can be used to verify the transaction.
    Type: Application
    Filed: September 29, 2015
    Publication date: March 31, 2016
    Inventors: Gyan Prakash, Ajit Gaddam, Selim Aissi, Christian Aabye
  • Publication number: 20160092873
    Abstract: A computer-based method for processing and monitoring rebates associated with a cardholder is provided. The method includes storing data including a plurality of cardholder profiles each associated with a cardholder enrolled in a rebate monitoring service and a plurality of payment card identifiers each associated with one of the cardholders. The method also includes receiving a first authorization request message for a first payment transaction initiated by a first cardholder. The first authorization request message includes a first payment card identifier. The method further includes determining a first cardholder profile associated with the first cardholder for the rebate monitoring service based in part on the first payment card identifier and the stored data, determining at least a first rebate associated with the first payment transaction, generating a completed rebate form based in part on the first cardholder profile and the first payment transaction, and transmitting the completed rebate form.
    Type: Application
    Filed: September 30, 2014
    Publication date: March 31, 2016
    Inventor: Erica Robeen
  • Publication number: 20160092874
    Abstract: A method and system for conducting a pre-authorized financial transaction is disclosed. A security gateway receives a pre-authorization token and a consumer alias from a merchant or an acquirer of the merchant. The token identifies a pre-authorized financial transaction and the token and alias have previously been provided to the merchant by a consumer. The alias is matched with a stored alias to identify an electronic device of the consumer. An authorization request is transmitted to the electronic device. A confirmation message or a denial message is received by the security gateway in response to the authorization request. Upon receiving a confirmation message, payment credentials associated with a selected payment instrument of the consumer and required for conducting the pre-authorized transaction are transmitted to the merchant or the acquirer of the merchant for use in completing the transaction.
    Type: Application
    Filed: April 4, 2014
    Publication date: March 31, 2016
    Inventors: Alan Joseph O'Regan, Horatio Nelson Huxham
  • Publication number: 20160092875
    Abstract: Systems and methods are provided for authenticating a product over a payment network. A product identifier associated with a product to be authenticated may be included or appended to a conventional authorization request message or clearing message during processing of a payment transaction. The product identifier can be verified at a verification entity to determine whether the product is real or counterfeit. Authorization or settlement of the payment transaction can be approved/processed if the product is determined to be real. Authorization or settlement of the payment transaction can be declined/withheld if the product is determined to be counterfeit.
    Type: Application
    Filed: September 29, 2014
    Publication date: March 31, 2016
    Applicant: MasterCard International Incorporated
    Inventor: Justin X. Howe
  • Publication number: 20160092876
    Abstract: A payment device includes an application storage device for storing a plurality of payment applications and a capture module for capturing user verification information. The payment device also includes a verification module. The verification module is interfaced to the capture module. The verification module is for receiving and verifying the captured user verification information and for outputting a user verification result. The payment device further includes a shared cardholder verification method (CVM) module, which is interfaced to the verification module. The shared CVM module receives the user verification result and also receives a reference to one of the payment applications. The shared CVM module responds to the verification result by outputting an application credential to the payment application to which it was referred.
    Type: Application
    Filed: July 28, 2015
    Publication date: March 31, 2016
    Inventors: Ashfaq Kamal, Nealle Andrew Page
  • Publication number: 20160092877
    Abstract: Technologies for secure user authentication include a computing device with a touch screen display coupled to an electronic paper display, and a security engine isolated from a host processor. To process a payment transaction, the computing device invokes the security engine to generate a random virtual keypad layout that is not accessible by the host processor. The virtual keypad layout includes virtual keypad buttons that may be randomly positioned. The security engine displays the virtual keypad layout on the electronic paper display that overlays the touch screen display. The computing device detects touch input using the touch screen and transmits the touch input to the security engine. The security engine determines keypad input based on the touch input by mapping coordinates of the touch input to virtual buttons of the virtual keypad. The security engine authorizes the transaction based on the keypad input. Other embodiments are described and claimed.
    Type: Application
    Filed: September 25, 2014
    Publication date: March 31, 2016
    Inventor: Yen Hsiang Chew
  • Publication number: 20160092878
    Abstract: A method includes maintaining a digital wallet in a computer, and receiving a request for a transaction. The computer may receive and verify user authentication data, and then allow the user to access any payment card account in the digital wallet without requiring additional user authentication, regardless of the account selected for the transaction by the user. In some embodiments, cryptogram generation may be performed with an EMV server in association with the digital wallet, to enhance the level of security assurance for merchants, issuers and users.
    Type: Application
    Filed: February 12, 2015
    Publication date: March 31, 2016
    Inventors: Cristian Radu, Jonathan James Main, Eric G. Alger
  • Publication number: 20160092879
    Abstract: Methods and systems for conducting a secure transaction over a network using one or more gateway servers. The methods include exchanging first cryptographic information with a user. The first cryptographic information adapted to encrypt and decrypt communications. The methods further include receiving, from the user, identifying information associated with the user. The methods also include validating the identifying information and converting the user to a participating user after the validating operation. The methods include exchanging second cryptographic information with the participating user. The second cryptographic information adapted to encrypt and decrypt communications. The methods also include receiving, from the participating user, encrypted personal data being encrypted using the second cryptographic information. The encrypted personal data being received via a data equity programmable user interface.
    Type: Application
    Filed: September 25, 2015
    Publication date: March 31, 2016
    Inventor: Jack W. Lasersohn
  • Publication number: 20160092880
    Abstract: In a purchase transaction between a merchant and a customer, a merchant device sends transaction information to a payment gateway and sends a beacon signal containing a transaction identifier to a customer mobile device. The customer mobile device sends the transaction identifier and payment information corresponding to a customer payment account to the payment gateway. The payment gateway applies the transaction identifier to access the transaction information received from the merchant device and sends purchase information based on the transaction information to the customer mobile device. The customer mobile device displays the purchase information to the customer, obtains an indication of customer assent to pay for the item and sends a confirmation of customer assent to the payment gateway. Upon receiving the confirmation of customer assent from the customer mobile device, the payment gateway processes the purchase transaction based on the payment account information.
    Type: Application
    Filed: September 26, 2014
    Publication date: March 31, 2016
    Applicant: APRIVA, LLC
    Inventor: Michael S. Klingen
  • Publication number: 20160092881
    Abstract: Systems and methods for facilitating product management can associate a code with product information and a product life-cycle. The code can be associated with a product and affixed to the product, for example, by printing the code on the product or a packing of the product. Users of the product can initiate an action included in the product life-cycle by using an electronic device to take a picture of the code texting the picture to the disclosed system. The system will process the code and determine a next action in the product life-cycle. For example, a user can take an image of a code and text it to the system to initiate a product registration process.
    Type: Application
    Filed: September 29, 2014
    Publication date: March 31, 2016
    Inventors: Kelly Forese, Preston Stuteville, Sunil Karkera
  • Publication number: 20160092882
    Abstract: Systems, devices, and methods for providing a product recall notice to a consumer are disclosed. Embodiments include receiving consumer identification information and product identification information from a mobile computing device at a computer server as well as storing and associating the product identification information in a consumer products database with the consumer identification information. Further, a request is transmitted and a response received from a third party database that includes a product recall notice. Based on the product recall notice message, a message is generated that notifies a consumer of the product recall notice.
    Type: Application
    Filed: September 30, 2014
    Publication date: March 31, 2016
    Inventor: Kerry Lee Small
  • Publication number: 20160092883
    Abstract: A system and method for navigating a customer management application hosted on an electronic device is provided. Using the customer management application, a user may review data from a plurality of applications and data sources. In addition, the data may be arranged along one or more timeline displays. For example, the system and method may display a timeline having first and second timescales, display one or more entries along the timeline, each of the entries containing one or more corresponding events, detect a user input though an input detector of the electronic device, and upon detecting the user input, vary the timeline according to the user input.
    Type: Application
    Filed: September 30, 2014
    Publication date: March 31, 2016
    Inventors: Jutta Weber, Stef Huber, Fariba Sadri
  • Publication number: 20160092884
    Abstract: A system and method for self-assessing a company's compliance with a preset regulatory framework. The system presents a plurality of questions that are based on particular regulatory requirements. In response to each question, the system receives an answer to each question, a measure of inherent risk associated with each question for the company, and a measure of control risk associated with each question for the organization. The system is then configured to calculate the residual risk associated with each question based on at least the received inherent risk and control risk. The system also allows a user to delegate a question to a second user and track the status of a question. In addition to delegating questions, the system provides for local help and help through communicating with a compliance expert.
    Type: Application
    Filed: September 26, 2014
    Publication date: March 31, 2016
    Inventors: Lisa Weaver, Paul Imura