Abstract: Disclosed is a method of processing a payment using an IMS. The method includes obtaining information on a chat room generated through an instant message application between a first user and at least one second user with respect to a payment transaction of the first user, updating a payment account of the first user and a payment account of the at least one second user in response to processing the payment transaction of the first user, and outputting a message associated with the payment transaction of the first user through the chat room.

Abstract: A device and a secure element for conducting a secured financial transaction are disclosed. The device comprises a central processing unit; a communication interface for establishing a communication between the device and a financial institution related to a financial account; an interface for acquiring data relating to the financial account; the secure element for processing at least a portion of the data relating to the financial account acquired by the interface; and control logic for acquiring a purchase amount to be debited from the financial account and for obtaining a transaction authorization from the financial institution related to the financial account, the transaction authorization being based, at least partially, on data processed solely by the secure element independently of data processed by the central processing unit. A method of conducting the secured financial transaction, and a computer program product for execution by the secure element are also disclosed.

Abstract: A secure fob that enables a user to pay for an item or items without needing to present a mobile device. A secure fob may include a proximity capability to ensure that a mobile device is within a particular range, thereby eliminating the risk of fraudulent charges on a stolen fob. In such an embodiment, a fob may be disabled if the fob is not paired with the mobile device by virtue of being disconnected and/or physically separated from the mobile device. The secure fob also may include enhanced features to authorize transactions and locate the mobile device and/or the secure fob.

Abstract: A computer-implemented method of effectuating an electronic on-line payment includes receiving at a computer server system a text message from a payor containing a payment request representing a payment amount sent by a payor device operating independently of the computer server system, determining a payment amount associated with the text message and debiting a payor account for an amount corresponding to the amount of the payment request, and crediting an account of a payee that is independent of the computer server system.

Abstract: A payment processing apparatus and a system or a method are provided that have a location-agnostic payment code, where the user does not have to check in to the merchant's location. Further, the reliance on the network connection is reduced by caching or storing payment codes at the user's mobile device. The payment codes may have expiration and may be used once. The payment codes may be revoked or canceled if the user's mobile device is compromised or stolen. In an embodiment, the payment codes may be generated and provided to the user's mobile device when the payment application at the user's mobile device is refreshed. For example, the payment application is refreshed based on user's payment history or payment habits. In another embodiment, the payment codes may be generated and provided to the user's mobile device when the user is within a predetermined distance from a merchant.

Abstract: An electronic device comprising: a near field communication (NFC) module; a magnetic stripe data transmission (MST) module; and at least one processor functionally coupled to the NFC module and the MST module, wherein the processor is configured to: select at least one of the NFC module or the MST module; and transmit payment information to an external device by using the selected module.

Abstract: The present disclosure directs to method, device, system for creating virtual credit card. The method may include: acquiring a subset of real-name information from a user interface of a terminal device; searching the real-name information stored in the first server with the subset of the real-name information; upon the real-name information is found in the first server, sending the real-name user information to a second server; finding whether the real-name information associates with a credit card account stored in the second server; after finding the credit card account is stored in the second server, creating, by the second server, a virtual credit card account; and storing the virtual credit card associated with the virtual credit card account in the data storage of the first server.

Abstract: A method includes receiving a first account indicator, where the first account indicator identifies a first financial account. The method further includes receiving a second account indicator, which identifies a second financial account. Still further, the method includes receiving a split signal, which indicates how future transactions are to be divided between the first financial account and the second financial account. The split signal may have been generated in response to interaction by an account holder with a slide-bar display element of a user interaction screen display.

Abstract: A virtual wallet system provides embedded controls to a merchant for association and display with merchant artifacts on a merchant interface. Merchant artifacts may include begin-of-purchase flow items such as coupons, and end-of-purchase flow item such as tickets. When the embedded control displayed on the merchant interface is selected by a user, a save artifact request is communicated to a virtual wallet server allowing the user to instantly save an instance of the merchant artifact to the user's corresponding virtual wallet account.

Abstract: A decryption module is enabled on one or more authorized devices. A user's financial account information is encrypted using a card verification number, or some secret known to the user and replicated onto the authorized devices. The user requests processing of a financial transaction using the previously-encrypted financial account information. The authorized device retrieves the encrypted financial account information and prompts the user to enter the card verification number (or other secret known to the user that was used to encrypt the financial account information). The decryption module decrypts the financial account information using the card verification number entered by the user, and the decrypted financial account information resembles a valid credit card or debit card number and will pass a Luhn test. The decrypted financial account information is transmitted to process the financial transaction initiated by the user.

Abstract: This application discloses a method implemented at a server to facilitate secure offline transactions. The server receives, from a client device, an authorization request that includes a user identifier, first financial account information and a secure code. The server authenticates the authorization request, and sends a first transaction approval to the client device. Then, in accordance with the information received in the authorization request, the server facilitates a secure transaction between the client device and a point-of-sale (POS) machine while the client device is offline. Specifically, the server receives, from the POS machine, a transaction request that includes at least the user identifier and the security code. The server retrieves the first financial account information from a memory according to the user identifier and the security code, performs a transaction operation associated with the first financial account information, and sends a second transaction approval to the POS machine.

Abstract: A stored value card management system and method secures against the fraudulent use of stored value cards. A secure redemption code is generated comprising multiple component parts including a look-up identifier and a secure code. The secure redemption code is printed on a face of a stored value card without any visible demarcation of the component parts. The look-up identifier allows access to stored value card records and a determination of the stored value card's activation status. A hash of the secure code is stored in a separate secure index and validation of the secure hash is required to complete redemption of the stored value card. Access privileges to the card index and secure hash index are distinct and possession of one component of the secure redemption code is not sufficient to redeem the stored value card.

Abstract: Techniques for transferring secured data from a vending device to portable data storage device are described herein. The vending device receives a request from a user of the portable data storage device be stored on the portable data storage device and requests for a payment for the requested digital contents to be paid by the user. The vending device locates a first portable storage identification (PSID) parameter unique to the portable data storage device, and then generates a rights object including a second PSID parameter that is equal to the first PSID parameter to prevent the digital contents from accessed at a data storage medium other than the portable data storage device. It is to be appreciated some or all of the above processing can b completed by a back-end device separate from the vending device.

Abstract: The present invention is a secure transaction apparatus for use with, arid that interacts with, a mobile communication device and a remote secure transaction sewer. A transaction can be initiated by the use of the mobile communications device, and subsequently completed using the secure transaction apparatus. The secure transaction apparatus is capable of receiving and sending data via secure wireless communications protocols to the secure transaction server, and the secure transaction apparatus is capable of displaying data to a user of the transaction apparatus via a secure screen element. The secure transaction apparatus includes means to interact with the remote transaction server so that a secure and trustworthy transaction can occur.

Abstract: A registered provider device encrypts provider input related to a transaction between the provider device and one of many registered user devices to create an encrypted one-time-use provider code (the encryption is performed using an encryption key produced, in part, using a uniquely sequenced number generated by a sequencer maintained by the provider device). Similarly, the user device encrypts user input to create an encrypted one-time-use user code using an encryption key produced, in part, using a uniquely sequenced number generated by a user sequencer maintained by the user device. The provider and user devices independently transmit their different encrypted one-time-use codes to an intermediate entity, which decrypts the encrypted codes. This decryption is performed using one-time-use encryption keys produced using sequencers maintained by the intermediate entity, and this decryption generates an authorization request.

Abstract: An account management system receives a payment authorization request from a merchant system for a transaction involving a user. The account management system identifies one or more user accounts associated with the transaction and processes the transaction after sending a payment authorization request to the issuer(s) of the user's financial account(s) and receiving an approval. After receiving a payment request, or shortly thereafter, the user device logs additional transaction data to transmit to the account management system, which uses the data to find a single transaction that correlates with financial transaction data. The account management system creates an enhanced receipt to transmit to the user device by augmenting the financial transaction data and may adjust the merchant information based on location data received from the user device or the payment amount based on an identified merchant type. The account management system updates the enhanced receipt if new information is received.

Abstract: Redeeming closed loop payment instruments in wallet account transactions comprises a payment system server configured to associate financial accounts with a payment account of a user, comprising at least one closed loop account. The server receives, from a card network, a first payment authorization request originating from a merchant, comprising the payment account identifier and a request to fund a transaction. The server communicates, to a closed loop account issuer computing system, a redemption request to redeem funds from the closed loop account. The server receives a redemption of funds from the closed loop account. The server deducts the redeemed funds redeemed from a total amount of funds requested in the first payment authorization request. Upon receiving the funds, the server communicates to the merchant computing system a second authorization for the total amount of funds requested in the first authorization request based on the redemption of funds.

Abstract: A registered provider device encrypts provider input related to a transaction between the provider device and one of many registered user devices to create an encrypted one-time-use provider code (the encryption is performed using an encryption key produced, in part, using a uniquely sequenced number generated by a sequencer maintained by the provider device). Similarly, the user device encrypts user input to create an encrypted one-time-use user code using an encryption key produced, in part, using a uniquely sequenced number generated by a user sequencer maintained by the user device. The provider and user devices independently transmit their different encrypted one-time-use codes to an intermediate entity, which decrypts the encrypted codes. This decryption is performed using one-time-use encryption keys produced using sequencers maintained by the intermediate entity, and this decryption generates an authorization request.

Abstract: A payment card, for use with a payment card acceptance terminal, and related systems and methods are disclosed. The payment card includes an acceptance terminal interface component for interfacing with a payment card acceptance terminal and a user input receiving component for receiving an input by a user directly. The payment card also includes an integrated circuit which is in communication with the acceptance terminal interface and the user input receiving component and is configured to provide payment credentials to the payment card acceptance terminal on receipt of an input at the user input receiving component.

Abstract: Systems and methods are provided for enforcing differential pricing and other pricing structures using a payment network. One embodiment of the payment network includes a server, a processor, and a memory module that includes stored computer program code. The memory module, the stored computer program code, and the processor are configured to cause the server to parse a request message associated with a payment transaction to obtain an item identifier and payment mechanism information. The item identifier is associated with an item to be purchased as part of the payment transaction. The payment mechanism information is associated with a payment mechanism. The memory module, the stored computer program code, and the processor are further configured to cause the server to obtain a determination of whether, based on the payment mechanism information, the payment mechanism complies with a set of pricing control rules associated with the item.

Abstract: Rules relating to the authorization of contactless payment transactions may be stored on a mobile device. After provision of contactless payment credentials to a merchant, the mobile device receives a query relating to the authorization of the transaction. The transaction details contained in the query are compared to the rules stored on the mobile device. Depending on the relevant rule applicable, the transaction may either be approved or rejected automatically, or may require user authorization. Depending on input received from the user in response to a prompt therefore, the transaction will be authorized or rejected.

Abstract: An electronic device and a method for transmitting authentication information in a mobile payment environment are provided. The electronic device includes a first communication module and a second communication module, the method can include obtaining at least one of first authentication information and second authentication information stored in the electronic device, when the obtained authentication information comprises the first authentication information, transmitting the first authentication information to a first external receiving device of the electronic device through the first communication module, and when the obtained authentication information comprises the second authentication information, transmitting the second authentication information to a second external receiving device through the second communication module.

Abstract: An apparatus comprises a memory and a processor. The memory is operable to store information associated with a user account. The processor can receive a message indicating that a transaction associated with a card has occurred and receive a first input indicating that the transaction is fraudulent. The processor can receive a second input indicating that a report should be filed and present, on a display, a plurality of questions to determine whether the card has been stolen. The processor can receive a third input indicating an answer to each of the plurality of questions and present, on the display, an affidavit. The processor can receive a fourth input indicating the affidavit has been electronically signed and present, on the display, a confirmation message indicating that the report has been filed.

Abstract: A system and method are provided for verifying, authenticating, and providing notification of a transaction such as a commercial or financial transaction, with and/or to at least one party identified as engaging in the transaction and/or identified as having a potential interest in the transaction or type of transaction.

Abstract: A payment provider uses bank rails to enable a bank customer to send real-time payments through the bank site by simply entering a recipient identifier, such as an email address or mobile number. The bank has an account with the payment provider. Thus, when the customer sends a payment through the bank, the payment provider transmits the payment to the recipient through the bank's payment provider account. The bank debits the amount from the user's bank account or from a third party, in which case the bank makes a payment to the third party. The sender does not have to have an account with the payment provider, just an account with the bank.

Abstract: Comparing extracted card data from a continuous scan comprises receiving, by one or more computing devices, a digital scan of a card; obtaining a plurality of images of the card from the digital scan of the physical card; performing an optical character recognition algorithm on each of the plurality of images; comparing results of the application of the optical character recognition algorithm for each of the plurality of images; determining if a configured threshold of the results for each of the plurality of images match each other; and verifying the results when the results for each of the plurality of images match each other. Threshold confidence level for the extracted card data can be employed to determine the accuracy of the extraction. Data is further extracted from blended images and three-dimensional models of the card. Embossed text and holograms in the images may be used to prevent fraud.

Abstract: Systems and methods disclosed herein related to a fraud detection system that receives data from multiple sources and normalizes the data to create transaction data using overlapping data from the multiple sources. Fraud analysis is performed using a probabilistic approach to alert generation, wherein alerts are only sent to customers when the probability of fraud exceeds a threshold. As a result, false positives are avoided.

Abstract: A computer-implemented method for detecting compromised automated teller machines is provided. The method includes receiving activity data from an ATM, activity data including user input data and machine data, wherein user input data includes instructions input by a user at the ATM during a transaction, and wherein machine data is associated with processes performed by the ATM; storing operating parameter rules in the memory, the operating parameter rules configured to indicate whether the received activity data is within a normal activity range for the ATM; applying the received activity data to the operating parameter rules; generating an activity score for the ATM based on the applying, wherein the activity score is configured to indicate a likelihood that the ATM is compromised; and initiating a response based on the activity score.

Abstract: An apparatus comprises a memory and a processor. The memory is operable to store information associated with a user account. The processor can receive a message indicating that a transaction associated with a card has occurred and receive a first input indicating that the transaction is fraudulent. The processor can receive a second input indicating that a report should be filed and present, on a display, a plurality of questions to determine whether the card has been stolen. The processor can receive a third input indicating an answer to each of the plurality of questions and present, on the display, an affidavit. The processor can receive a fourth input indicating the affidavit has been electronically signed and present, on the display, a confirmation message indicating that the report has been filed.

Abstract: Methods, systems, and computer programs for processing payment request for a payment instrument. The method includes setting issuer attributes for the payment instrument and setting payer attribute for the payment instrument. A request for payment approval is received. The request is verified against payer set attributes. The request is also verified against issuer set attributes. An approval message is generated when payment request matches both payer set attributes and issuer set attributes.

Abstract: Systems, devices, and methods for multi-factor authentication for transaction processing are provided. A point-of-transaction device captures customer information, biometric data, and images of identification documents and transmits the information to a transaction information server which receives the transaction request, queries one or more storage records to confirm the identity of the customer to the transaction and to determine whether the customer is authorized to engage in the transaction. The point-of-transaction device communicates a transaction identifier code and at least a portion of the transaction request to a transaction authority. The transaction authority transmits a confirmation signal to the point-of-transaction device based on the transaction identifier code and the transaction request.

Abstract: Disclosed herein are various embodiments for systems and methods for self payment and verification of the purchase of retail goods and services. According to an embodiment of the invention, a method for verifying the purchase using a mobile electronic device in wireless communication with a payment verification system and a code generating system is provided, the method comprising the steps of: receiving from a consumer information identifying an item for purchase; receiving from a consumer information identifying payment means for purchasing the item for purchase; processing the information identifying the item for purchase and information identifying payment means and generating a unique QR code indicating a purchase of the item; sending the unique QR code to a mobile device for display by a consumer to the vendor of the item for purchase.

Abstract: Method, system, and programs for estimating customer satisfaction associated with a customer are disclosed. In one example, a plurality of time series is obtained. Each time series comprises observations for one of a plurality of events associated with the customer. Each observation for each of the events is made with respect to a time period. A plurality of individual measures is estimated. Each of the individual measures is associated with one of the plurality of events. Each individual measure is estimated based on a time series including a plurality of observations associated with the event. Information is received indicative of a number of events selected from the plurality of events. An aggregated measure is computed indicative of a degree of satisfaction of the customer based on individual measures associated with the number of events.

Abstract: A solution for centralized management of returned goods transactions is described. The solution may receive a returned good content that comprises a picture of a returned good. From the picture, the returned good may be categorized as one of a repairable item or an item that should be scrapped. A centralized database may be kept for the purpose of tracking the repair or scrap of the returned good and documenting various events and data associated with the returned good. From the database, a returned goods report that is useful for indicating a chargeback amount owed a retailer for losses associated with one or more returned goods over a period of time may be generated. Advantageously, because the solution herein is centralized between a retailer and a supplier, a transparent and accurate accounting of chargeback amounts may be provided to both the retailer and the supplier.

Abstract: Creating and delivering a digital companion in response to the sale and/or lease of a product and/or service. The digital companion is delivered in the form of a wrapped package of cards. With wrap packages, each card is selectively authored to include (i) media content, (ii) application functionality and/or (iii) e-commerce related services. In addition, the cards are authored in one or more linear sequences. With digital companion wrap packages, the user experience when browsing is largely dictated by the author/retailer, not the customer. As a result, digital companion wrap packages have the unique ability to convey a “story”, with an intertwined a palette of services, functions and experiences included therein, that unfolds as the individual cards are browsed in the one or more sequences, similar to the turning of the pages of a book.

Abstract: The present invention provides a method of Internet real-time customer service, including the steps of: providing an online customer service system connected to Internet; providing an exclusive login data to the website operator registering to the online customer service system; for customer service staff of website operator using the exclusive login data to log in to the online customer service system for the online customer service system to enable customer service staff of website operator able to monitor the website; and when visitor visiting the website, the online customer service system providing a plurality of interaction channels between the customer service staff and the visitor as the basis of interaction so that the customer service staff and the visitor able to select from a plurality of interaction channels for interacting with each other.

Abstract: A method, computer program product, and/or hardware system optimizes regulatory compliance. An industry category for an enterprise is identified. A set of regulatory requirements for the industry category is stored in a database. The set of regulations are categorized by focus areas, summary requirements, and harmonized detailed requirements, wherein the focus areas describe components of regulatory requirements, wherein the summary requirements summarize each first tier subcomponent of the components of the regulatory requirements, and wherein the harmonized detailed requirements describe second tier subcomponents of each first tier component. Detailed requirements for each set of regulations are mapped to one or more of the focus areas, summary requirements, and harmonized detailed requirements. The detailed requirements are mapped to compliance resources. The compliance resources are executed to satisfy the detailed requirements.

Abstract: In an approach for determining printability of an electronic file, a computer electronically receives a file for printing. The computer parses the file for one or more of text, images, and formatting indicative of potential copyrighted material. The computer, in response to identifying any text, images, or formatting indicative of potential copyrighted material, identifies potential copyrighted material within the file. The computer determines whether the file may be printed based, at least in part, on the identified potential copyrighted material. In another approach for determining printability of an electronic document, a computer electronically receives a document for printing. The computer locates attributes associated with the document and stored in a separate database, which includes one or more of the following: ownership, licensing information, printability, and number of prints allowed. The computer determines the document is printable based on the attributes and prints the document.

Abstract: Example embodiments of a product authentication method may include triggering a first authentication process in response to sensing a conductive ink in proximity to a computing device having a set of sensors and performing a second authentication process. The first authentication process may include initiating an application on the computing device when the set of sensors senses the conductive ink. And the second authentication process may be performed by the application on the computing device and may include sending a code to a remote server and receiving a validity determination from the remote server.

Abstract: A system, a method, and a computer program product for monitoring of events and key figures are disclosed. An event in a plurality of events associated with a business process is identified. The identified event is monitored. A business value of the identified event is determined in real time. Based on the determined real-time business value, at least one key figure associated with the monitored event is retrieved and displayed in a user interface.

Abstract: In embodiments of informative bounce rate, keywords can be obtained from content of a Web page, and source content is extracted from a referring source that includes a selectable link to the Web page. The keywords that are obtained from content of the Web page are identified as also occurring in the source content of the referring source. A sentiment that is associated with each keyword can be determined, and a correspondence between the sentiment associated with a respective keyword and a bounce rate that is associated with the Web page is generated. The Web page can be identified as needing a redesign based on a high bounce rate and a corresponding overall positive source sentiment, which indicates visitors having a positive sentiment when visiting the Web page, yet a high number of the visitors bouncing from the Web page.

Abstract: A system and method of providing web pages of ranked organization to a user. The user may update data about an organization which will cause the ranking to be changed and the webpage regenerated. The system may inform the user or other users of changes to the ranking.

Abstract: A computer method and system provide means for outputting data about organizations to a user. The system includes a database of business relationships between organizations. A user may search for first organizations according to search criteria. The method will select a set of first organizations that match the criteria. The user may select preferred values of second organizations connected to the first organizations. Using the preferred values, the method will reselect and rank the first organizations for display on the user's computing device.

Abstract: Disclosed is a method and system for identifying an industry specific e-maven by analyzing textual data from social media. The system may collect textual data posted by users on social media. The system may then determine characteristics of the users by analyzing the textual data. The system may further calculate a maven score for the users by using the characteristics. The system may compute an industrial maven score for the users by using the maven scores and an industry adjustment factor. An industry specific e-maven may thus be identified based on the industry adjustment factor.

Abstract: An example method for determining an influence score of a brand in accordance with aspects of the present disclosure includes receiving data regarding a plurality of social media profiles associated with a plurality of social media platforms based on relevancy to a plurality of keywords, identifying a first set of data received from a first social media platform and a second set of data received from a second social media platform, extracting, values from the first set of data for a first set of categories of metrics for each social media profile associated with the first social media platform, extracting values from the second set of data for a second set of categories of metrics for each social media profile associated with the first social media platform, assigning a weight to each metric, determining an influence score for each social media profile based on calculating a weighted sum of the extracted values for each social media profile, and determining an influence score for the brand for each social med

Abstract: A computer system for directing resources to artists based upon a generated artist's score, including a score generating computer system with both quantitative and qualitative assessment modules for selecting artist peer groups, receiving and analyzing qualitative evaluations of audience reaction to artistic performances, receiving quantitative data sets representing quantitative data corresponding to the artistic performances, and calculating artistic scores for individual artists which are then transmitted both to the artists and to creative promotors to direct resources to preferred high scoring artists.

Abstract: A content consumption monitor (CCM) identifies events from a domain, a number of the events, content associated with the events, and a relevancy of the content to a topic. The CCM may generate a consumption score for the domain and topic based on the number of events and the relevancy of the content to the topic. The CCM may identify domain surges for the topic when the consumption score reaches a threshold. The CCM may adjust the consumption score based on the changes in the relevancy, number of events and/or the number of users over different time periods. The consumption scores not only identify companies interested in different topics but also identifies consumption surges that indicate when the companies are most receptive to direct contacts regarding those topics.

Abstract: Methods, systems, and computer program products for generating a business forecast are described. A specification of a precision level of a forecast is obtained. Data that satisfies the specified precision level of the forecast is identified and a forecast based on the identified data that satisfies the specified precision level of the forecast is generated.

Abstract: A system, method, and computer-readable storage medium configured to enable transaction-related user behavior modeling of individuals based on their payment card purchases. The user behavior modeling can provide predictions on next transaction information. One or more recommendations can be determined based on the next transaction information.

Abstract: Systems and methods for candidate tracking and fee recovery in accordance with embodiments of the invention are disclosed. In one embodiment, a candidate tracking server system includes a processor and a memory storing a candidate tracking application directing the processor to obtain candidate data describing a candidate, identify at least one publicly available data source system, obtain public activity data for the candidate data from the at least one publicly available data source system, determine current employment status data for the candidate data based on the obtained public activity data, calculate fee opportunity data based on the candidate data, current employment status data, and staffing firm data, determine if the fee opportunity data has been fulfilled, and when the fee opportunity data has not been fulfilled, generate notification data including the fee opportunity data and metadata describing the employer and the staffing firm and provide the generated notification data.