Abstract: Disclosed herein are systems, methods, and devices for implementing a referral processing engine. Methods may include identifying a candidate based on a plurality of search parameters, and identifying an employee based on social connection data identifying at least one social connection between the candidate and the employee. The methods may also include generating a first message configured to be sent to the employee, where the first message includes one or more data values characterizing features of the candidate and a job opportunity. The methods may also include receiving a first response from the employee, where the first response characterizes a referral decision of the employee. The methods may also include updating, based on the first response, at least one candidate profile data object stored in a data storage system.

Abstract: The present invention consists of an improved system and method for timekeeping and billing in professional services firms such as those in the areas of law, accounting, architecture and engineering. In the present invention, systems and methods are developed for improved development and management of client budgets where expenditures are continually traced and electronic notices of progress may be automatically transmitted to the client or customer. In addition, security is enhanced by providing security by employee name, level or job title for sensitive client information. Volume discounts can be automatically applied across client name, phase, matter or activity. The client may be provided with an online account secure with an unique ID and password. The system can also handle multiple currencies, payment methods and languages. Clients may be provided with interim bills in real time, as work progresses.

Abstract: A system that provides selective notification of user availability may include a processor circuit. The processor circuit may be configured to receive an availability status update of a user for a period of time. The processor circuit may be configured to update an aggregate calendar with the availability status update of the user for the period of time, where the aggregate calendar includes availability statuses of a set of users including the user. The processor circuit may be further configured to determine at least one user of the set of users that is likely to be interested in the availability status update of the user based at least in part on a user relation criterion. The processor circuit may be further configured to provide an indication of the availability status update of the user for the period of time on a calendar of the at least one user.

Abstract: An appointment booking and fulfillment computing system which calculates available times based on a set of virtual scheduling resources, loosely coupled to a set of actual fulfillment (physical) resources which own the appointment during its fulfillment lifecycle. A user-configurable rules engine implemented in the system logic controls how these two sets of resources impinge on each other.

Abstract: Supervisors, managers, enterprises, organizers, etc. must ensure appropriate staffing by employees and/or volunteers to achieve their goals for each event, activity etc. at each location. However, unplanned absent individuals impact this ability and can absorb significant time and effort to overcome by re-allocating existing present individuals or seeking replacements at short or even no notice. Accordingly, each individual addressing this seeks the ability to establish communications to individuals or group of individuals rapidly, with low complexity and management overhead, knowing that those identified meet their requirements without searching/reviewing personnel profiles etc. Further, such individuals seek the ability to dynamically view and address problems within their domain of responsibility irrespective of where they are in relation to the event etc. Such issues can be addressed through the methods and systems according to the invention.

Abstract: A system including: (a) a calendar database adapted to receive calendar events including location information for specified time slots from subscribers; (b) a query engine adapted to receive a meeting request including a time definition, a location definition and a list of invitees including subscribers; and (c) a location module adapted to consider travel times of one or more invitees to and/or from locations of existing calendar events to the location; and (d) a list generator adapted to generate a list of time slots which allow invitees sufficient time to travel to/from adjacent calendar events.

Abstract: A system for automated inspection and maintenance of an asset. The system can include at least one client device in communication with a mobile asset management module. The client device can receive inputs from a user or one or more sensors. The mobile asset management module can receive information from the client device to determine the identity of an asset, receive asset status information, analyze the asset status information, determine a status of the asset, determine a service requirement for the asset, and transmit the service requirement.

Abstract: A method for fleet management can be created using a vehicle maintenance tracker for at least one vehicle and performing a vehicle inspection on the at least one vehicle using an inspection device to identify services needed on the vehicle. The vehicle inspection can then be transferred to a mechanic for verification of services needed on the vehicle. The vehicle inspection can provide a verification of services needed to the vehicle maintenance tracker and generate at least one of: vehicle repair information prioritized by importance of services, a schedule for vehicle service prioritized by importance of services needed, and a vehicle return to service date based on a schedule for vehicle service prioritized by importance of services needed.

Abstract: A data security system that electronically processes payment transactions is provided herein to assist in securely moving data and payments from a bank account directly into a designated trust account while bypassing unsecure, intermediate steps and processes. Although it is standard practice for a buyer's payment to be handled by the buyer, the buyer's agent, the listing agent, and the broker or designated trust account holder before the check is deposited to a trust account at a bank, due to the high number of entities that handle the payment, the optimal transaction security may not be obtained by the standard practice. Finding a solution for the optimal transaction security may require minimizing the number of entities that handle payments and minimizing distribution of confidential information, particularly if the confidential information involves specific bank account details. The benefit is more direct and more secure movement of payment information amongst transacting entities.

Abstract: A method, system and program product comprise accessing a system having a digital currency infrastructure. At least three user addresses are created. Rules for filtering acceptable transactions on the system are prepared in form of recursion base and recursion steps. Items are initiated on the system according to the defined rules. The assets transaction data is transferred to the system wherein the system links asset data and the parties to the transaction according to the said rules.

Abstract: The present invention generates intangible bit money managed as data that can be used as a third currency in order to facilitate efficiency and security in financial transactions in, along with being in compliance with the development of the world, so that the inconveniences and danger accompanying the circulation of the cash carried by a person are eliminated, and the national budget for issuing new currency to replace worn old currency can be saved. It provides a system for depositing and withdrawing money without a bank account even with a personal email, smart TV, communicable game device, or mobile terminal, etc. alone. Also, the bit money generated by the present invention can be tracked for circulation of the attributes thereof, and thus is a payment means of a new paradigm for protecting the property of a client from illegal transactions such as hacking.

Abstract: A system for managing Web-based real-time audiovisual service transactions is available to a remote supplier and a remote client through a network connection. The system includes a master module, a supplier module, a client module and a data transfer platform. The master module bridges the expectation gap between the remote supplier and the remote client. The supplier module and the client module use a human face and/or a voiceprint to discern the identities of the remote supplier and the remote client. The master module sniffs a service process to exercise direct control over transaction content quality.

Abstract: An integrated system for electronic payment to one or more departments or agencies within a city, township, county, local or state government. The system has a plurality of separate agency or department databases and an icon or module menu of each department at a payment kiosk or payment computer connected to each database. Activating the icon or selecting the module directs a payor to the desired agency or department database. Inputting the payor information into the kiosk or payment computer retrieves an invoice or bill to be paid. An integrated system provides the payor requested invoice, bill, fee, tax or fine for that department or agency and simultaneously checks the payor information against each other database for any outstanding bills, fees, taxes or fines and generates a list of said outstanding bills, fees, taxes or fines, and upon payment automatically updates the databases to reflect the received payment.

Abstract: Automated detection and migration of automated transactions. In one example embodiment, a method may include providing automated transaction migration software running on a first computer of a new account provider to a customer. The software may cause the first computer to search through transactions of an old account of an old account provider on a second computer of the old account provider to automatically detect an automated transaction of the customer, gather transaction data associated with the automated transaction from the second computer, store the transaction data in an identified transaction database of the first computer, and in response to the automatic detection of the automated transaction, proactively display at least a portion of the transaction data to the customer and proactively prompt the customer to authorize migration of the automated transaction from the old account provider to the new account provider.

Abstract: An information processing apparatus is provided. The information processing apparatus includes a communication unit configured to: transmit a first update command for updating a value stored in a terminal device to the terminal device, transmit a second update command when no notification is received after the first update command transmitted within a first predetermined time; a control unit configured to determine if the value has been changed by comparing a first value retrieved from the terminal device before the first update command transmitted and a second value retrieved from the terminal device after the second update command transmitted when no notification is received after the second update command transmitted within a second predetermined time. An information processing method is also provided.

Abstract: A method, for trade between a buyer and a seller using a sales server of the seller and a terminal device of the buyer, for allowing a payment in accordance with a transaction data record from the buyer to the seller, wherein a) the payment request is provided by the sales server for a terminal service server, and b) the terminal service server uses the transaction data record for the terminal device to produce a one-time terminal. The payment is prompted, wherein c) the one-time terminal is transmitted, d) the one-time terminal is put into contact with a payment transaction security element, e) the payment information is extracted in cryptographically protected form and transferred to the one-time terminal, f) the transferred payment information is transmitted to the terminal service server or to the sales server, and g) the transmitted payment information is used to prompt the payment.

Abstract: A digital rights management method provides effective enforcement of purchase requirements to prevent users from accessing documents before purchasing the rights, and also provides the users with limited trial access to review the document before purchase. A digital rights management server maintains a database with information regarding users' payment status with respect to documents and their trial access status with respect to unpaid documents. Various trial modes may be implemented, including a “trial period” mode, a “number of attempts to open” mode, and a “summary view” mode. When a user attempts to access a document, the application on the client computer transmits a request to the server, and the server determines whether the user has paid for the document, or whether he should be given trial access, and transmits a reply to the client accordingly. The reply may include an invitation to pay for the document.

Abstract: An automated system for electronic payment to one or more departments or agencies within a city, township, county, local or state government. The system has a plurality of separate agency or department databases and an icon or module menu of each department at a payment kiosk or payment computer connected to each database. Activating the icon or selecting the module directs a payor to the desired agency or department database. Inputting the payor information into the kiosk or payment computer generates an invoice to be paid. An integrated system provides the payor requested invoice of a bill, fee, tax or fine for that department or agency and simultaneously checks the payor information against each other database for any outstanding bills, fees, taxes or fines and generates a list of said outstanding bills, fees, taxes or fines.

Abstract: An integrated system for electronic payment to one or more departments or agencies within a city, township, county, local or state government. The system has a plurality of separate agency or department databases and an icon or module menu of each department at a payment kiosk or payment computer connected to each database. Activating the icon or selecting the module directs a payor to the desired agency or department database. Inputting the payor information into the kiosk or payment computer retrieves an invoice or bill to be paid. An integrated system provides the payor requested invoice, bill, fee, tax or fine for that department or agency and simultaneously checks the payor information against each other database for any outstanding bills, fees, taxes or fines and generates a list of said outstanding bills, fees, taxes or fines, and upon payment automatically updates the databases to reflect the received payment.

Abstract: A system including a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed at the transaction handler, a profile generator to generate a profile of a user based on the transaction data, an advertisement selector to identify an advertisement based on the profile of the user in response to the transaction handler processing a transaction of the user, and a portal coupled to the transaction handler to provide the advertisement for presentation to the user in connection with information about the transaction of the user. In one example, the profile includes a plurality of values representing aggregated spending of the user in various areas to summarize the transactions of the user.

Abstract: A method and a system for dynamically managing prices of multiple items in a retail entity are provided. A price management system (PMS) is provided to operably communicate with transmission devices and receiving display terminals. Each receiving display terminal is positioned at the retail entity and/or a remote location. The PMS dynamically receives sales information of the items from billing sources at the retail entity and determines pricing data for the items based on the dynamically received sales information and pricing criteria. The PMS identifies one or more items requiring a change of the prices based on the determined pricing data. The PMS, in communication with a positioning unit of each receiving display terminal, locates the receiving display terminals associated with the identified items. The PMS transmits the determined pricing data for the identified items to the located receiving display terminals via the transmission devices at preconfigured time instants.

Abstract: Systems, methods and apparatus for conducting payment transactions are provided. Pursuant to some embodiments, the payment transactions may be conducted between a consumer operating a mobile device and a merchant.

Abstract: According to the embodiment, a product recognition apparatus includes a shooting device, a display, and a processor. The aforementioned processor controls the display so that a frame image of an object shot by the shooting device is displayed in an image display region of the display. Also, the processor controls the display so that a location image illustrating the location of the object is displayed so as to overlap the frame image in the image display region of the display.

Abstract: The invention provides for optional printing at a point of sale (POS). The invention provides a system and computer implemented method for printing information at a POS relating to a purchase transaction at the POS, comprising printing a second alternative instead of a default print, or printing both a default and a second print, in both cases dependent upon the second print being timely delivered to the POS printer. Preferably, the second print depends upon processing business rules related to color in the print.

Abstract: A charging processing device includes: a storage configured to store therein remainder information that represents the remainder with respect to a usable amount of service; and a processor configured to execute a charging process. The charging process includes: updating the remainder information according to the usage amount of the service, and controlling a timing of the next update on the basis of the updated remainder information.

Abstract: Systems and methods provide for communication of transaction data that is formatted according to a transaction type that is support by an access device. First transaction data may be formatted according to a first type of transaction supported by a first access device and second transaction data may be formatted according to a second type of transaction supported by a second access device. The first transaction data may be transmitted over a first wireless communication link to the first access device and the second transaction data may be transmitted to the second access over a second wireless communication link.

Abstract: In an authentication process, a mobile device captures card details using an integrated camera. The user enters card security details on a touch-screen of the mobile device, which also captures fingerprint data from the user, and user authentication ss performed.

Abstract: A method and system implemented in an e-commerce system to facilitate transactions between a customer and a vendor is disclosed. The method includes generating, by a processor, the requested at least one NFC code and token, wherein the at least one NFC code and token an identification of the price the customer pays for a specific product, the customer's amount owed on an invoice or granting access to a secure account, transmitting, by a transmitter, the at least one NFC code and token to a vendor server; receiving, by a receiver, a response email, wherein the response email includes the token; decoding, by the processor, the token; performing, by the processor, an Sender Policy Framework (SPF) and DomainKeys Identified Mail (DKIM) validation; and processing, by the processor, the transaction, on a condition that the SPF and DKIM validations are approved.

Abstract: Provided is a payment card for multiple accounts. The card comprises a card member; a plurality of programmable chips, at least one of which is releasably attached to the card member; each programmable chip has an associated personal identification number (PIN); and a control chip operable for selecting one of the programmable chips to be active during a transaction.

Abstract: A program product and device for processing a resource account transaction within a wireless electronic device, such as a smartphone or other portable electronic device. During or at the initiation of a resource transaction with a near-field transaction terminal, the device receives from the terminal via a first communication interface, a resource account system ID. A locally stored resource account is selectively identified based on the received resource account system ID. The device sends a resource account application ID corresponding to the selected resource account to the near-field transaction terminal via the first communication interface. From the near-field transaction terminal, the device receives a token ID that is associated with the selected resource account, and sends, the token ID to an account management system via a second communication interface.

Abstract: A secure payment system and method at a parking facility are disclosed. In an example, the secure payment system includes a remote payment processor to confirm payment by a customer for a transaction for a parking facility, and to issue a token to the customer for the transaction. The token has a transaction index and a transaction code for the parking facility. The system also includes an interface module for the parking facility configured to receive the token from the customer for the transaction. The system also includes an electronic token handler device having a token processing module to confirm validity of the token based on the transaction index and the transaction code of the token. The electronic token handler device issues a signal to actuate control electronics of the parking facility in response to a valid token.

Abstract: A method for processing transactions within a token transfer device, such as a smartphone or other portable electronic device. The method includes storing a transaction token having a specified transaction resource value and an associated validation parameter in the memory of the token transfer device. A transaction communication interface initiates a transaction service with a token recipient terminal and invokes a token state manager. The token state manager determines an event corresponding to the specified validation parameter by determining a transaction resource network connect activity status and by determining condition register data associated with the validation parameter. The token state manager then issues a transaction modification call based on the determined event and the validation parameter.

Abstract: During token and PAN provisioning, instead of just having one token per one PAN for a single use case (PAN), between 1 and N tokens per a single PAN are provisioned. During provisioning a decision engine will supply additional details that are applied to each token. This additional information is stored in a token virtual vault that houses the mapping between PAN and token. Then, during a transaction, the decision engine chooses which token to give to the merchant to process business as usual. When the token comes into the network, additional information associated with that individual token may be identified. This information may be conveyed to a transaction account Issuer in substantially real time on and/or appended to the transactional message.

Abstract: The present invention provides an affiliate server, an affiliate system, an affiliate method, and a program for the affiliate server, by using brick-and-mortar stores. The affiliate server associates and stores an application ID associated with an application running in a content user terminal 10 with facility information associated with a facility in which the application is executed, identifies the facility by comparing the received application ID with the facility information associated with the application ID when receiving the payment permission data permitting payment of the application and the application ID of the application, the payment of the application being permitted, and executes a payment process to the identified facility.

Abstract: A user requests to utilize anonymized user data to conduct a transaction. The anonymized user data keeps the user's sensitive data private, while still allowing certain entities to perform fraud analyses. The user configures a specific combination of user data elements to be anonymized prior to or at the time of the transaction. In some embodiments, the specific combination may be associated with a location or merchant type, which can also be selected by the user. The registration of a password associated with the anonymized user data may further increase security of the transaction.

Abstract: A method for processing a resource account transaction within a wireless electronic device, such as a smartphone or other portable electronic device. During or at the initiation of a resource transaction with a near-field transaction terminal, the device receives from the terminal via a first communication interface, a resource account system ID. A locally stored resource account is selectively identified based on the received resource account system ID. The device sends a resource account application ID corresponding to the selected resource account to the near-field transaction terminal via the first communication interface. From the near-field transaction terminal, the device receives a token ID that is associated with the selected resource account, and sends, the token ID to an account management system via a second communication interface. The device receives from the account management system a transaction token comprising the token ID associated with a specified transaction resource value.

Abstract: The present patent refers to procedures and technology that enable a new model for authenticating and/or expressing the electronic will of a particular user by using the infrastructure and security in the payment methods available in the finance system. The object of this patent, consists of using the Finance and Banking System to electronically generate user registration, (with assurance of authenticity and integrity), thus enabling his or her expression of will, in an electronic, computerized manner, thus doing away with the need for the parties involved to be physically present and works as follows: 1—Initially, the methods and access to the “Terms and Conditions of Acceptance of Service” are made available to the user (economic entity or individual); 2—If the user accepts (agrees to) the terms, a set of instructions with unique, specific data is generated, called a security key, which will let the user carry out a bank transfer using the methods from the finance and banking system.

Abstract: When a user is requested to provide the user's social security number (SSN) or other personal information for conducting a credit/background check, the user may use a mobile app on the user's mobile device to display a unique identifier which is used in place of the SSN for processing the user's credit/risk analysis. The unique identifier is used as a protection layer on top of a user's SSN to reduce chances of identity fraud. In particular, an unique identifier (token) may be generated and issued to current payment account holders or new payment account holders when they sign up for payment accounts. When a merchant requires a customer's social security number for performing a credit or background check on the customer, the customer may simply provide the unique identifier and may be cleared to start using the merchant service without exposing the customer's SSN.

Abstract: A program product and device for processing transactions within a token transfer device, such as a smartphone or other portable electronic device. The method includes storing a transaction token having a specified transaction resource value and an associated validation parameter in the memory of the token transfer device. A transaction communication interface initiates a transaction service with a token recipient terminal and invokes a token state manager. The token state manager determines an event corresponding to the specified validation parameter by determining a transaction resource network connect activity status and by determining condition register data associated with the validation parameter. The token state manager then issues a transaction modification call based on the determined event and the validation parameter.

Abstract: The present disclosure relates generally to settlement processing. More particularly, techniques (e.g., systems, methods, and devices) are disclosed for facilitating direct settlement of transactions for a specific transacting entity. Techniques are disclosed to enable reporting of transacting entity-specific settlement information to further enhance the settlement process. In certain embodiments, a processing system may perform direct settlement with a transacting entity for transactions involving the transacting entity. The transactions may be identified using a unique identifier assigned to the transacting entity associated with those transactions. During settlement, the processing system can directly communicate with a financial institution of the transacting entity, as opposed to an acquirer, to facilitate settlement of the transactions that are identified as being associated with the transacting entity.

Abstract: A mobile computing device having at least one processor and at least one memory, together providing a first execution environment and a second execution environment logically isolated from the first execution environment, the mobile computing device comprising: a first application executable within the first execution environment; a second trusted application executable within the second execution environment; and a secure communications channel between the first application and the second trusted application, wherein the second trusted application is configured to generate one or more data items and to provide the one or more data items to the first application via the secure communications channel.

Abstract: A method and system for facilitating online payments are disclosed. According to one aspect of the present invention, a payment agreement is established at a payment service provider that defines terms of a payment relationship between a merchant and a user. The establishing of the payment agreement includes linking the payment agreement with a payment account of the merchant or user stored at the payment service provider. After establishing the payment agreement, a payment request associated with a transaction is received, whereby the payment request includes a unique identifier to identify the payment agreement stored at the payment service provider. Based on a verification that the payment request complies with terms of the payment agreement, the payment request is processed.

Abstract: A method for registering a user device by providing a subscriber unit having a processor, a memory, and a display, wherein the subscriber unit is configured to accept user input, providing a credential information manager having a processor and a memory, providing a transaction service provider having a processor and a memory, transmitting a request for a transaction from the transaction service provider to the subscriber unit, transmitting the request from the subscriber unit to the credential information manager, storing a cyber identifier associated with the user in the credential information manager memory, wherein the cyber identifier comprises a username, transmitting, from the credential information manager to the transaction service provider, the cyber identifier stored in the credential information manager memory, and transmitting a transaction authorization from the credential information manager to the transaction service provider, wherein the subscriber information is never transmitted to the tran

Abstract: A computer-implemented method for enhancing fraud detection based on transactions at potentially compromised locations is provided. The method includes determining a list of potentially compromised transaction locations, storing the list of potentially compromised transaction locations, and receiving from a first transaction location a first authorization request message for a first transaction. The first authorization request message is associated with a first payment account.

Abstract: Method and apparatus for using at least a portion of a one-time password as a dynamic card verification value (CVV) are disclosed. A credit/debit card is able to generate a dynamic card verification value (CVV). Such a card may also include an indication that the dynamic CVV is to be used as a security code for purchasing or other transactions. A card-based financial transaction can be authorized in accordance with the use of a dynamic CVV by receiving a transaction authorization request for a specific credit/debit card, wherein the transaction authorization request includes a dynamic CVV. The dynamic CVV can be compared to at least a portion of a one-time password generated for the specific credit/debit card, and a transaction authorization can be sent to the merchant or vendor when the dynamic CVV matches all or a portion of the one-time password.

Abstract: User satisfaction with answers that may be provided through a question and answer based customer support system is predicted by pre-submission analysis of the attributes of the question itself before the answer is generated. Questions being entered into the question and answer based customer support system that are not likely to satisfy either an asking user submitting a question, or subsequent searching users accessing the resulting question and answer pair, are labeled improperly formatted questions, or low quality format questions. The question data representing improperly formatted questions is then either filtered out, avoided completely, or, proactively corrected by providing the user with a set of personalized question format transformation instructions to transform improperly formatted questions into a re-phrased/re-formatted properly formatted questions having a question format predicted to provide a significantly higher probability of user satisfaction with any answer eventually provided.

Abstract: An authentication system comprising: at least one electronic communication device; and an authentication system server; wherein said at least one electronic communication device and said authentication system server are configured to communicate bi-directionally with each other; said at least one electronic communication device comprising a camera and a LED flash; said at least one electronic communication device configured to run a user application; said user application configured to authenticate a product unit via a variable code printed thereon with a transparent polymer comprising at least one pigment.

Abstract: The on-boarding framework consolidates and ensures consistent implementation of business compliance with regulatory policy across a global business that is required to comply with regulations of international, regional, country specific, local jurisdictions, or the like. The on-boarding framework facilitates the work flow, approvals, documents, reporting, and other information using dynamic rules that dictate the on-boarding elements based on customer type, booking entity, location of the authorized approval, special products, data collected, and the like, which are used to dynamically evaluate the client's on-boarding potential regulatory issues, and the actions used to mitigate potential regulatory issues with the entity being on-boarded.

Abstract: The on-boarding framework consolidates and ensures consistent implementation of business compliance with regulatory policy across a global business that is required to comply with regulations of international, regional, country specific, local jurisdictions, or the like. The on-boarding framework facilitates the work flow, approvals, documents, reporting, and other information using dynamic rules that dictate the on-boarding elements based on customer type, booking entity, location of the authorized approval, special products, data collected, and the like, which are used to dynamically evaluate the client's on-boarding potential regulatory issues, and the actions used to mitigate potential regulatory issues with the entity being on-boarded.

Abstract: Systems and methods disclosed herein score leads by determining and applying a scoring rule based on lead participation in an activity. This involves a processor of a computing device receiving information on participation in the activity by prior leads that resulted in conversions or rejections. A scoring rule is determined for the activity by assigning a score to the activity based on the information on participation in the activity by the prior leads that resulted in the conversions or the rejections. A new lead is scored using the scoring rule by assigning the new lead the score based on participation by the new lead in the activity. The scoring of the new lead can be used in various ways. In one example, the score of the new lead is used to determine to send a communication to the new lead.