Abstract: Creating and delivering an employee handbook, to employees of an organization, in the form of an interactive wrap package of cards. When the wrapped package is created, the cards are authored to include (a) one or more linear sequences, including a wide variety of employee-related multimedia content, such as organizational policies and/or procedures, (b) a palette of application functionality embedded, in one or more of the cards, providing two-way interaction between the employer and employee, and/or (c) at least one acknowledgement card requiring that the employee provide an electronic acknowledgement that certain policies and/or procedures have been reviewed and accepted.

Abstract: An apparatus, comprising at least one memory including computer program code and at least one processor. The apparatus designed to: catalog users in a user list table as being an applicant, an educator, and/or a recruiter; correlate one or more open opportunities with a one or more credentials; correlate the one or more credentials with a one or more educational resource. The one or more educational resources each comprising a test. A portion of the users comprising applicants qualify under a portion of the one or more credentials and apply for a portion of the one or more open opportunities correlated with the one or more credentials. The portion of the users comprising the educators selectively create the one or more educational resource to support the credentialing process for the applicants and the recruiters.

Abstract: In a method, system, and computer-readable medium having instructions for a reverse benefits designer, one or more objects available for creating a plan design framework are displayed in a graphical user interface, an indication of an object from the one or more objects selected for placement in a hierarchy of the plan design framework depicted on the graphical user interface is received, and data is stored in a repository for the plan design framework in accordance with the object placement.

Abstract: This disclosure concerns visualising multiple time zones in a calendar. A processor receives trip data that identifies a trip day, a first time zone of a departure location and a second time zone of an arrival location. The processor determines time gained or time lost due to travelling from the first time zone into the second time zone and causes the display of a time range and a graphical element. The time range represents the trip day with time values extending to the end of the trip day. The end of the trip day is relative to the first time zone. The graphical element extends from the day change and has an extension based on the difference between first and second time zones, such that the graphical element indicates the determined time gained or time lost due to travelling from the first time zone into the second time zone.

Abstract: A method and apparatus for scheduling project meetings includes a meeting organizer module of an electronic computing device receiving, from a project manager module, a first criticality for a first task and a second criticality for a second task of a plurality of tasks for a project. The method also includes the meeting organizer module scheduling a project meeting for the project based on the first criticality and the second criticality, wherein scheduling the project meeting includes determining an ordered agenda in which presentations for tasks for the project are presented for the project meeting.

Abstract: The instant application discloses, among other things, a Digital Flyer Service. In one embodiment, it may comprise a software application for a mobile device which may allow a user to search for and view digital images of flyers around the world. The search may be based on various filters such as location, hashtags or event categories, for example. Digital Flyer Service may also allow users to take a photo of a flyer and have the photo and details, such as event information, for example, uploaded to a searchable database. The database may be accessible through an application on a mobile device, for example. Users may also integrate the flyers and details with their personal calendars and online social networks, for example.

Abstract: Embodiments of the invention are directed to a system, method, and computer program product to check-in for a specialist session. The system typically including a memory, a processor and a module configured to receive an indication that a customer has an appointment scheduled to participate in a specialist session at a business location; determine that a mobile device in possession of the customer is located within a geographic area defined by the business location and encompasses the business location; and in response to determining that the mobile device is located within the geographic area defined by the business location, place the customer in a queue associated with the specialist session.

Abstract: Vehicular maintenance is predicted using real time telematics data and historical maintenance data. Different statistical models are used, and an intersecting set of results is generated. Environmental weather may also be used to further refine predictions.

Abstract: A computer-implemented method includes identifying a plurality of services for a machine. Each of the plurality of services has a service type, and the service type includes an interval service and an independent service. The method includes receiving an input indicative of a usage history of the machine and determining, based on at least one of the service type and the usage history, an estimated due date for each of the plurality of services. The method includes displaying service identifiers, each of which represents one of the plurality of services and indicates the service type, wherein a location of each of the service identifiers along a date axis corresponds to the estimated due date of the at least one of the plurality of services indicated by the service identifier. The location of each of the service identifiers along a service axis corresponds to the service type.

Abstract: A method, computing system and computer program product provide additional information relating to maintenance actions to address an issue with a structure. For each maintenance action that has corrected an issue, a first group of structures in which the issue has reoccurred and a second group of structures in which the issue has not reoccurred are identified. The method then determines an actual correction duration value for each of the structures in the first and second groups, generates a correction duration estimate for the structures in the first group using the actual correction duration values and uses the correction duration estimate to identify a portion of the structures in the second group. The method also uses the actual correction duration values calculated for the first group and the identified portion of the second group to generate a fix duration estimate representing an overall time estimation for issue reoccurrence.

Abstract: A method for data retrieval and uniformalization of code events data for an elevator, comprising the steps of transmitting code events from an elevator controller to a business partner by means of a web services application, the business partner retrieving the data, storing the data in a business partner's data storage, and uniformalizing the data, and the business partner presenting the data by means of web and mobile applications. Another method for data retrieval and uniformalization comprising the steps of a service provider storing elevator data, the service provider transmitting said data to a web services application, a business partner retrieving said data by means of the web services application, the business partner storing the data in a business partner's data storage, the business partner uniformalizing the data, and the business partner presenting the data by means of a web and mobile device application.

Abstract: In one embodiment, a system is provided for performing at least one service operation in association with at least one inspected item.

Abstract: Integration of semiconductor tool maintenance operations on mobile devices enables technicians to more accurately perform semiconductor tool maintenance, and allows for more accurate collection and analysis of data so that maintenance procedures and resulting tool operations can be more repeatable, consistent and efficient.

Abstract: The present invention is directed to a software-based system that enables an associate (a researcher, an adjuster, an agent, a customer service specialist, a teller, or the like) of a financial institution to quickly and accurately research and resolve particular error cases, such as encoding or listing errors of monetary amounts of recent transactions. To resolve these error cases, the associate may utilize the system of the present invention to aid with researching and inputting information about the error case. The system of the present invention further provides a standardized set of procedures for resolving the error case based on the determined error type of the error case. The system of the present invention ensures efficiency and accuracy of error case processing and resolution.

Abstract: A wrap package of cards including an “active receipt” accompanying the sale of a product and/or service. The active receipt wrap package includes a receipt detailing the purchase of a product and/or service, web and/or application like functionality for facilitating e-commerce related to the purchased product and/or service while the wrap package is being consumed and media content related to the purchased product and/or service, the media content conveying a story-book like experience related to the purchased product and/or service that unfolds as the cards are browsed by a viewer in the one or more linear sequences respectively.

Abstract: A system for implementing an exchange of goods and services for barter currency and volunteer transactions over a computer network includes a server having a processor, memory, storage, a network interface, and remote communications devices for communicating data between the server and the remote communications devices. Each of the remote communications devices is associated with a participating individual. A communications processing module, a barter currency module, a geolocation module, a transaction brokering module, a search engine module, a discovery module, and a database, are provided to process barter currency transactions and volunteer transactions. The barter currency module computes transaction fees, accesses financial accounts metadata and currency distribution metadata, and communicates computation data through a service bus.

Abstract: One or more embodiments described herein include methods and systems for remitting funds via a social networking system. More specifically, systems and methods described herein provide users the ability to remit funds to co-users utilizing social network profiles and notifications. Additionally, systems and methods described herein determine one or more risk levels for a remittance request based on a variety of social network factors.

Abstract: One or more embodiments described herein include methods and systems for remitting funds via a social networking system. More specifically, systems and methods described herein provide users the ability to remit funds to co-users utilizing social network profiles and notifications. Additionally, systems and methods described herein determine one or more risk levels for a remittance request based on a variety of social network factors.

Abstract: In an aspect, a method includes receiving authorization information from a controlled facility, and receiving a request to initiate a financial transaction at an agent device. At least one party to the financial transaction may be a resident of the controlled facility. The method includes determining whether the resident is authorized to participate in the financial transaction based on the authorization information. Determining whether the resident is authorized to participate in the financial transaction may include determining, based on the authorization information, whether a party that is to receive funds from or provide funds to the resident in connection with the financial transaction corresponds to an entity that the resident of the controlled facility is authorized to receive funds from or provide funds to. The method includes initiating the financial transaction in response to a determination that the resident is authorized to participate in the financial transaction.

Abstract: A computer automatable system and method is provided for dynamically managing, calculating and tracking rolling payments (as opposed to installment payments) made by borrowers repaying their finance debt. Rolling payment is an enhanced repayment paradigm or method that flattens and adapts established periodic payments to match a borrower's repayment behavior by flexibly eliminating due dates with its related fixed payment amounts and, instead, enforces an agreed minimum rolling payment balance (RPB) that the borrower must maintain or exceed for the account to be current. To maintain the RPB above the agreed minimum, borrowers can repay any amount (irregular payment amounts) at anytime (irregular payment periods) and from anywhere. The embodied system and method dynamically adapts the payment posting frequency and repayment amount to match precisely the configured repayment objectives of the creditor, hence smoothing out the irregular payment amount and irregular payment period pattern.

Abstract: A method for using a smartcard is provided. The smartcard may include a microprocessor chip, a button, a dynamic transaction authorization number, a Bluetooth low energy (“BLE”) device. The smartcard may also include a battery. The battery may be configured to power the BLE and the microprocessor chip. The smartcard may also include memory. The memory may be configured to store the dynamic transaction authorization number. The smartcard may also include a dynamic magnetic strip. The dynamic magnetic strip may include a digital representation of the dynamic transaction authorization number. The method for using a smartcard may include pressing the button. The method may also include transmitting an instruction to a smartphone for a request for a dynamic transaction authorization number. The transmission of an instruction may be in response the pressing of the button. The method may also include receiving a dynamic transaction authorization number from a smartphone.

Abstract: A real-time music request system is provided for use with editing tools for the editing of video productions. The system automates the request for licensable music, provide a mechanism for submitting fulfillment, and filters and screens for relevancy prior to proving submissions to the request.

Abstract: Methods, systems, and apparatus are provided for directly providing photovoltaic instruments associated with aggregated photovoltaic installations to consumers.

Abstract: A state-drive Self-Service Terminal (SST) has its existing state table dynamically and transparently replaced. The states flow, the screens rendered during the flows, and the state transitions are handled by an enhanced module processing on the SST. The enhanced module references existing state code on the SST so that the SST continues to operate in a manner expected, but enhanced functionality and features are provided to the SST through the enhanced module and the replaced state table.

Abstract: An SST facilitates authentication of a user through an external service via a mobile device operated by the user. The SST also obtains independent verification of an access command sent from a server through a cryptographic peripheral module integrated into the SST before sending a command to grant authenticated access to the SST in response to the access command.

Abstract: A system for an automated dispensing and retrieval kiosk for recorded media includes a kiosk having a plurality of vertical racks arranged in a circular formation, each vertical rack configured for storing a plurality of recorded media. A customer interface allows a customer to select or return a recorded media. A robotic element delivers the selected recorded media from the vertical racks to a media output, at the customer interface. The element also delivers a returned recorded media from a media input at the customer interface to the vertical racks. A computer controls operation of the kiosk, and an internet interface connects the kiosk to the Internet. The kiosk may communicate with a central server and/or other kiosks of a group, to locate a requested recorded media within a kiosk of the group. Once located within the group, the requested media may be reserved for customer pick-up.

Abstract: An information technology system taking the form of a management console, central server, point of sale system, software running on a point of sale system and software running on a customer's mobile phone. The software on the customer's mobile phone lets a customer interact with the point of sale system, allowing the customer to view a pending economic transaction, optionally add or remove items to the transaction, and pay for the transaction using payment information stored on the mobile phone.

Abstract: The recording device 12 of a transaction processing system 1 receives partial receipt print data from a POS terminal 13, and based on the received partial receipt print data, controls the recording device recording unit 31 to produce a partial receipt printed with a subcode containing the partial receipt ID and the URL of a control server 15.

Abstract: A system is provided for use with a first receiving communication device, a second receiving communication device, a first distribution communication device and a second distribution communication device. The first receiving communication device transmits a first posting signal having a first associated posting value. The second receiving communication device transmits a second posting signal having a second associated posting value. The first distribution communication device transmits a first distribution signal having a first distribution associated value. The second distribution communication device transmits a second distribution signal having a second distribution associated value.

Abstract: A method of facilitating a transaction during a voice call between a caller or callee and an agent, for example for a merchant or organisation, the method comprising: activating a secure mode of a call processor adapted to prevent sensitive information relating to the transaction provided by the caller from reaching or being accessible by the agent; transmitting a notification that the secure mode has been activated to an electronic wallet accessible by the caller in which the sensitive information is stored; and processing the transaction in dependence on or using the sensitive information received from the electronic wallet; wherein the notification is transmitted to the electronic wallet via the voice call.

Abstract: A method for processing a transaction, comprising: receiving, by an aggregator from a merchant, a transaction data signal electronically transmitted via a communication network; transmitting, by the aggregator to a mobile network operator (MNO), an authorization message; receiving, by the aggregator from the MNO, an approval transaction data signal; transmitting, by the aggregator to a payment network, a request message configured to indicate a virtual card number (VCN) request associated with the MNO's transaction account for the transaction amount; receiving, by the aggregator from the payment network, a VCN transaction data signal; and transmitting, to the payment network, a VCN message indicating the VCN initiation of a payment transaction.

Abstract: A payment-enabled mobile device such as a “smart phone” incorporates risk management features applicable when used for a contactless payment transactions. In some embodiments, a mobile device processor includes a non-volatile memory storing a first counter and an associated first accumulator used for financial risk management purposes, and storing a second counter and an associated second accumulator used for enforcing a cardholder verification requirement, and storing a payment application program. In some embodiments, features govern when cardholder verification is required for consummation of the current transaction, and such features may be configurable by the payment card account issuer and/or the user of the mobile device.

Abstract: A communication system for initiating a transaction between a first communication device and a second communication device is disclosed. In an embodiment, one the first and second communication devices generates a transaction initiation code and transmits the transaction initiation code to the other one of the first and second communication devices and at least one of the first and second communication devices outputs output information based on the transaction initiation code to a user. One of the first and second communication devices receives user information from the user, and for initiates the transaction between the first and the second communication device if compatibility is discovered between the transaction initiation code and the user information.

Abstract: Systems and methods for facilitating e-commerce transactions by providing systems and methods for executing transactions in both an open loop and closed loop networks.

Abstract: A method for using a smartcard is provided. The smartcard may include a microprocessor chip, a button, a dynamic transaction authorization number, a Bluetooth low energy (“BLE”) device. The smartcard may also include a battery. The battery may be configured to power the BLE and the microprocessor chip. The smartcard may also include memory. The memory may be configured to store the dynamic transaction authorization number. The smartcard may also include a dynamic magnetic strip. The dynamic magnetic strip may include a digital representation of the dynamic transaction authorization number. The method for using a smartcard may include pressing the button. The method may also include transmitting an instruction to a smartphone for a request for a dynamic transaction authorization number. The transmission of an instruction may be in response the pressing of the button. The method may also include receiving a dynamic transaction authorization number from a smartphone.

Abstract: A system and device to add electronics to materials to form a smart wallet. An electronic wallet (also referred to as a smart wallet) stows and retrieves financial as well as personal information such as credit cards, debit cards, identification, coupons, and the like. Electrical features include techniques and elements for a user to interact with the smart wallet via an interface that governs interaction, for securing information in the smart wallet, and for charging a power source on a powered transaction card. Mechanical features of the electronic wallet include techniques for integrating electronics within wallets to add electronic wallet functionality. Several accessory styles are also disclosed.

Abstract: A secure online payment system in which, upon initiation by a card holder of a payment operation to an online merchant, the card holder is directed to a wallet-hosting website which stores at least one digital wallet associated with the card holder. Each digital wallet is associated with at least one payment card associated with the card holder, and the website has access to database storing payment card data relating to the payment card. At the website, a card holder authentication process is performed. Upon successful authentication, payment card data is extracted from the database, and a successful authentication indicator message is generated and returned to the merchant. The successful authentication indicator message includes the payment card data, code indicating that the card holder has been successfully identified, and code indicative of the fact that the payment card is registered in the wallet.

Abstract: Methods and systems are disclosed for the generation and use of merchant-customizable token formats that define tokens that represent credit card and other payment numbers in online transactions. The tokens, which are used instead of the card numbers themselves for security, can be specified by the token format to have a certain number of characters, have certain fields reserved for major card identifiers, use encryption and/or randomization, be alphanumeric, and have other formatting. The customized tokens can be used with legacy equipment that uses longer or shorter card numbers than the standard sixteen-digit payment card number format and can be less likely to be recognized as related to card numbers by identify thieves.

Abstract: Systems and methods for providing token generation and password verification are disclosed. The system may be configured to receive a password input by a user, wherein the password is not stored on the system prior to receiving the password, and to generate an encryption key based on the password. The system may further be configured to decrypt a token using the encryption key and, in response to verifying that the token was properly decrypted, decrypting a credential using the encryption key. The system may additionally be configured to initiate a near-field communication transaction with a reader using the decrypted credential.

Abstract: A computer-implemented platform (1000) for conducting an electronic payment transaction between a user (104) and a merchant (102, 103) is provided. The platform (104) includes a computer system (100) configured for the generation of a data structure containing payment data; a mobile device (106, 800) associated with a user (104) configured to use the data structure generated by the computer system (100) to communicate an electronic message reflecting payment instructions; and a merchant or processing terminal (102, 103, 108) configured for communication with the mobile device (106) to receive the electronic message, and formulate a request to process the electronic payment transaction. Corresponding methods and computer-readable media are also provided.

Abstract: Methods and systems for translating account data from a converted account portfolio during a transaction initiated by a cardholder using a payment card are provided. The method may be implemented using a translation service computing device. The method includes storing first account data in a memory along with a corresponding translation identifier, the first account data associated with a first payment processing network (PPN), and receiving, at the TS computing device, an authorization request message. The authorization request message includes transaction data associated with the transaction and second account data, including the translation identifier, associated with the payment card and a second PPN.

Abstract: A method for generating a transaction signal using a first device and a second device includes generating first information dependent on a user-selected amount, transmitting the first information to a verification device and generating therefrom a signal, generating based on the first information with the verification device first verification information, transmitting the signal from the verification device to the first device where the signal is converted into a two-dimensional representation for display on the first device, recording the two-dimensional representation on the display of the first device with a camera of a second device and generating a recording signal, transmitting with the second device the recording signal, or other information dependent on the recording signal, to the verification device for generating second verification information, and generating the transaction signal when a comparison between the first verification information and the second verification information produces a pred

Abstract: A method for using a smartcard is provided. The smartcard may include a microprocessor chip, a button, a dynamic transaction authorization number, a Bluetooth low energy (“BLE”) device. The smartcard may also include a battery. The battery may be configured to power the BLE and the microprocessor chip. The smartcard may also include memory. The memory may be configured to store the dynamic transaction authorization number. The smartcard may also include a dynamic magnetic strip. The dynamic magnetic strip may include a digital representation of the dynamic transaction authorization number. The method for using a smartcard may include pressing the button. The method may also include transmitting an instruction to a smartphone for a request for a dynamic transaction authorization number. The transmission of an instruction may be in response the pressing of the button. The method may also include receiving a dynamic transaction authorization number from a smartphone.

Abstract: One or more embodiments described herein include methods and systems for remitting funds via a social networking system. More specifically, systems and methods described herein provide users the ability to remit funds to co-users utilizing social network profiles and notifications. Additionally, systems and methods described herein determine one or more risk levels for a remittance request based on a variety of social network factors.

Abstract: Systems and methods for managing concurrent secure elements on a mobile device to coordinate with an application or “app” running on the mobile device and an appropriate communications protocol for conducting transactions using the mobile device include: informing, by the processor, the reader device of a preferred app and a communication protocol usable by the preferred app; receiving, by the processor, information about which apps and communication protocols are supported by a reader for processing a transaction; locating, by the processor, a secure element supporting an app and a communication protocol supported by the reader; channeling the communication protocol for the specific configuration of the app and the supporting secure element; activating the secure element that supports the app; and processing, with the activated secure element, using the supported app and communication channel, the transaction with the reader.

Abstract: A smart credit card. The credit card includes a power source, a memory, a processor, a logic, a magnetically readable strip, an identity sensor comprising at least one fingerprint reader on the front and rear of the card, and a capacitive display screen. The user stores identity information on the memory. The credit card is activated via the identity sensor. The identity sensor receives user identification information and the credit card activates after the logic confirms an identity match with the stored identity information. Upon activation, the user may use the credit card to initiate a transaction. The same credit card then enables the user to approve or cancel the transaction. The user approves the transaction by inputting a PIN or signing his or her name on the capacitive display screen. The credit card completes the transaction after authenticating the PIN or the user's signature through a security check.

Abstract: A card validation system comprises an interface and one or more processors. The interface receives a request to validate a card and a set of cell identifiers of a card validation matrix from a user. The set of cell identifiers are determined by the user. The interface further receives one or more received cell values corresponding to the set of cell identifiers of the card validation matrix. The one or more processors determines a set of stored cell values corresponding to the set of cell identifiers of the card validation matrix and compares the set of received cell values to the set of stored cell values. Based at least in part upon the comparison, the one or more processors determine whether the card is validated.

Abstract: In certain embodiments, a computer-implemented method includes determining, by a processor, characteristics of a new transaction and processing, by the processor, the characteristics of the new transaction using a risk assessment model. The risk assessment model is generated using an iterative training process that processes, over time, historical transactions to train the risk assessment model based on characteristics of historical transactions and associated risk assessment analysis of the historical transactions. The method includes generating, by the processor, a risk assessment indicator for the new transaction based on processing the characteristics of the new transaction using the risk assessment model. The risk assessment indicator indicates a degree of risk of the new transaction.

Abstract: Transaction processing in an offline environment for a prepaid product comprising a portable consumer device includes responding to presentation of the prepaid product at a reader for offline processing by initiating operation of the prepaid product, receiving data from the prepaid product at the reader that indicates the prepaid product is associated with a prepaid account balance, determining that the prepaid product is in a negative balance condition, and taking preventive action in response to the negative balance condition such that future acceptance of the prepaid product at a reader is prevented.

Abstract: The present disclosure is directed towards methods and systems for ensuring integrity of biometric data for one or more transactions. A mobile biometric device may acquire biometric information of an individual. A ranging module of a transaction device may determine that a distance between the mobile biometric device and a physical location of a first transaction with the individual is within a predefined value. The transaction device may link, responsive to the determination, the acquired biometric information to the first transaction if the biometric information is acquired within a specific time limit from the distance determination. The transaction device may link the acquired biometric information to a universal biometric record of the individual. A biometric integrity engine may compare information from the first transaction and a second transaction for inconsistency or fraud.