Patents Issued in October 20, 2016
  • Publication number: 20160307149
    Abstract: In some embodiments, methods and systems of managing overstock products at a retail sales facility include scanning a product at a stock room location of the retail sales facility using a hand-held electronic device including a processor. At least two of three functions are performed based on the scanning. First, the product may be audited by comparing data obtained by scanning the product to data contained in an inventory management database. Second, a determination of whether the scanned item is on a pick list may be made, which may include determining a demand for the scanned product to arrive at a decision whether to store the product in the stock room or place it on a shelf on the sales floor. Third, if the item is to be stored in the stock room, a determination of whether identical items are stored in bins in the stock room may be made.
    Type: Application
    Filed: April 12, 2016
    Publication date: October 20, 2016
    Inventors: Nicholaus Adam Jones, Marc Ashley Fletter, Matthew Allen Jones, Daniel R. Shields, Robert James Taylor
  • Publication number: 20160307150
    Abstract: An automated asset management system includes a plurality of storage locations for storing objects, and first and second sensing subsystems each configured to sense presence or absence of the objects in the plurality of storage locations. The first and second sensing subsystems are used to sense the presence or absence of a same particular object using different respective sensing modalities. In operation, a first scan of the storage locations is performed using the first sensing subsystem, and the presence or absence of the particular object is determined using the first sensing modality. In turn, a second scan of the storage locations is performed using the second sensing subsystem, and the presence or absence of the particular object is confirmed using both the result of the determination made using the first sensing modality and a determination of the presence or absence of the particular object using the second sensing modality.
    Type: Application
    Filed: April 13, 2016
    Publication date: October 20, 2016
    Inventors: Frederick J. ROGERS, David C. FLY, Preston C. PHILLIPS, Matthew J. LIPSEY, Joseph CHWAN, Jason NEWPORT, Andrew R. LOBO
  • Publication number: 20160307151
    Abstract: A method for purchasing a product at a brick-and-mortar retail establishment is provided. The method includes, but is not limited to, inputting identification information into a local device for a product sold by the brick-and-mortar retail establishment, transmitting the identification information to an order creation application, and upon receiving the identification information, selecting a dispense type for the product. The dispense type is selected from a group of dispense types including: “carry” for personally carrying the product out of the brick-and-mortar retail establishment, “load” for having the product loaded into the user's vehicle, “pickup” for having the product provided to the user at a predetermined location whereby the user will go to get that product, and “delivery” for delivering the product to the user at a predetermined location.
    Type: Application
    Filed: November 28, 2014
    Publication date: October 20, 2016
    Inventors: Vadim Grabovski, Issa Abboud, John Collier, Chris Venable, Craig Huber
  • Publication number: 20160307152
    Abstract: Computer program products, methods, systems, apparatus, and computing entities for enhanced cargo screening capabilities are provided.
    Type: Application
    Filed: April 15, 2016
    Publication date: October 20, 2016
    Inventors: Tony Baldassari, Howard Stone
  • Publication number: 20160307153
    Abstract: A method and system for storing and retrieving a packaging hierarchy of traceable physical items includes at an item marking location, marking physical items to be packaged in the packaging hierarchy, with a unique code with a first and second identifier, transferring packaging relationships between the codes to a track and trace system, identifying for each code in the packaging relationships, hierarchical code relations expressed as parent and/or child codes, and for each code, storing the hierarchical code relations in a section of a data storage location of the first computer system, wherein a start position of the section is determined by a combination of the first and second identifiers of the code.
    Type: Application
    Filed: December 13, 2013
    Publication date: October 20, 2016
    Applicant: KEZZLER AS
    Inventors: Magnar LØKEN, Morten HARALDSEN
  • Publication number: 20160307154
    Abstract: An asset tag apparatus and method of monitoring assets uses a wireless communication protocol to generate and transmit output values of sensors coupled to a beacon within a transmission range to a computing device. The advertising message of the wireless communication protocol is transmitted when a sensor output exceeds a threshold or on periodic time basis. Historic sensor data occurring at consecutive sensor threshold exceeding events is interleaved with live sensor output data in consecutive advertising packets.
    Type: Application
    Filed: April 15, 2016
    Publication date: October 20, 2016
    Inventors: Owen Robert Moore, Christopher John Panczuk
  • Publication number: 20160307155
    Abstract: A device may create an array of values based on information associated with a plurality of devices, receive information identifying one or more deliverables for routing from a first network address to a second network address in a network, parse scheduling information and the information identifying the one or more deliverables, calculate, based on parsing the scheduling information and the information identifying the one or more deliverables, a value associated with routing the one or more deliverables, use, based on calculating the value associated with routing the one or more deliverables, the array of values to implement an optimization producing a recommended network routing procedure, and transmit, based on implementing the optimization process, the recommended network routing procedure.
    Type: Application
    Filed: April 28, 2016
    Publication date: October 20, 2016
    Inventor: DAVID BELL
  • Publication number: 20160307156
    Abstract: This invention relates a method and system of issuing and monitoring electronic citations for use in the law enforcement, public safety agencies, and judicial systems. This system and method of issuing and monitoring securely collects, transmits, stores, exports, and generates reports for the issuance of citations and the continued monitoring and transmittal of the citation to the appropriate entity.
    Type: Application
    Filed: March 24, 2015
    Publication date: October 20, 2016
    Applicant: Quicket Solutions, Inc.
    Inventor: Christiaan Burner
  • Publication number: 20160307157
    Abstract: A method for online crowdfunding of a project including the steps of: (i) providing, by a computer system, a crowdfunding website configured to crowdfunding a project, the crowdfunding website hosting a plurality of crowdfunding projects to be funded by one or more of a plurality of service providers, the computer system comprising a web server hosting the crowdfunding website; (ii) receiving, from a project creator, a request to create a crowdfunding project, the request comprising a selection of a service provider; (iii) creating by the computer system, in response to the request, a crowdfunding project; (iv) receiving, from one or more users of the crowdfunding website, funding for the crowdfunding project; and (v) transferring, by a computer system, a portion of the received funding to the service provider, wherein the service provider provides funding to the project creator.
    Type: Application
    Filed: December 29, 2015
    Publication date: October 20, 2016
    Inventor: John DeTitta
  • Publication number: 20160307158
    Abstract: A system stores member and job posting pairs in a database, which indicate that a job has been presented to a member, that the member has viewed the job posting, and that the member has applied for the job. The system extracts member attributes from a member profile and job attributes from a job posting file, and creates attribute pairs from the extracted member attributes and the extracted job attributes. The system creates an attribute tracking table, and for each job attribute in the attribute tracking table, create ratios relating to jobs that have been shown to members, jobs that members have viewed, and jobs for which members have applied. The system also determines trends between particular member attributes and particular job attributes. The ratios and trends are provided to a job recommendation engine that uses them in determining jobs to recommend to members.
    Type: Application
    Filed: April 16, 2015
    Publication date: October 20, 2016
    Inventors: Lijun Tang, David Hardtke
  • Publication number: 20160307159
    Abstract: Methods, systems and computer program products are provided for computing relative score and enhancing one or more scores associated with data objects. In one method, the method receives, at a computing system, one or more data objects from a user. The method further extracts one or more internal and external parameters based on the one or more data objects. Subsequently, the method compares data objects of the user with corresponding data objects of one or more competing users, based at least in part on the one or more extracted parameters and the requirement included in the data object of the user. Further, in some embodiments, the data objects and requirements of the user are also compared with the corresponding data objects and requirements of one or more complementary users, based at least in part on the one or more extracted parameters.
    Type: Application
    Filed: April 16, 2015
    Publication date: October 20, 2016
    Inventors: Prabhakaran Krishnamoorthy, Uday Sankar Sen
  • Publication number: 20160307160
    Abstract: A system for arranging or ranking profiles of job seekers in response to a search query is provided. The system includes one or more processors configured to determine likelihood of changing job at least by those job seekers whose profile match a search criteria. The likelihood of changing job is determined based at least on activities carried out the job seekers within a job portal, activities carried out the job seekers on one or more digital platforms outside the job portal, and correlation between time elapsed, corresponding to each of the job seekers, since changing the last job held by the job seeker and tendency of changing job. The processor is further configured to influence arrangement or ranking of the profiles by at least considering the likelihood of changing job by each of the job seekers whose profile match the search criteria.
    Type: Application
    Filed: October 15, 2015
    Publication date: October 20, 2016
    Applicant: ABHIMAN TECHNOLOGIES PRIVATE LIMITED
    Inventors: Abhijit KHASNIS, Manjunath Sannappa TALWAR
  • Publication number: 20160307161
    Abstract: Some embodiments include an employee benefits enrollment server system and method including operations that when executed by a computing device process and display an employee diagnosis survey with employee questions related to the employee's thoughts or attitudes to saving, insurance, investing and their financial future. The operations include accessing a diagnostics server including attributes related to financial psychology and/or behavioral economics and assigning an attribute to the employee. The operations can include displaying personalized benefits based on a profile of the employee determined by the diagnostics server based on at least one employee response to the at least one diagnostic survey and at least one of the attributes.
    Type: Application
    Filed: February 18, 2016
    Publication date: October 20, 2016
    Inventors: Bruce R. Hentschel, Amanda Bjornson, Amy Friedrich, Sarah Ehlinger, Tyler Matheny, Anna Phelps, Sheri Hasan
  • Publication number: 20160307162
    Abstract: Management of potential meeting conflicts is provided to allow extending a meeting beyond the original booking period of a room, or other resource, as well as automatically coordinate and/or adjust the resource bookings of affected meetings with the owner's consent of the affected meetings. The coordination satisfies the criteria set by a meeting owner for the affected meeting and/or global criteria defined at the organization level. Any change in the resource as part of the coordination and/or adjustment is communicated to the affected participants and/or resource manager via a specified communication channel, such as an instant message.
    Type: Application
    Filed: April 15, 2015
    Publication date: October 20, 2016
    Inventor: Mayank B. Bathiya
  • Publication number: 20160307163
    Abstract: A method for requesting a person to be available for a scheduled event is provided. The method may include providing a user interface (UI) for requesting at least one person to be available for an event. The method may also include detecting an entry via the UI requesting at least one person to be available for the event. The method may further include detecting an entry via the UI for at least one invitee to be invited to the event. The method may additionally include confirming an availability of the at least one person and an availability of the at least one invitee. The method may also include sending a unique calendar invitation to the at least one person. The method may include sending a calendar invitation to the at least one invitee based on the confirmed availability of the at least one person and the at least one invitee.
    Type: Application
    Filed: April 15, 2015
    Publication date: October 20, 2016
    Inventors: Lisa M. Bradley, Brian O'Donovan, Aaron J. Quirk, Lin Sun
  • Publication number: 20160307164
    Abstract: Embodiments of the present invention provide a method, system and computer program product for location aware event scheduling. In an embodiment of the invention, a method for utilizing location awareness in event scheduling is provided. The method includes determining a geographic position of an end user in an organization based upon a location reported by a mobile device of the end user and computing a distance of the end user to a geographic location designated for an event in a C&S component of an enterprise data processing system. The method also includes determining based upon the computed distance and a designated time for the event whether or not the end user is able or unable to attend the event. Finally, the method includes displaying an indication through the C&S component of whether or not the end user is able to attend the event.
    Type: Application
    Filed: April 15, 2015
    Publication date: October 20, 2016
    Inventors: Nima Dehnashi, Vladyslav Kulchytskyy, Maria Zolotova
  • Publication number: 20160307165
    Abstract: For a meeting resource having a publicly known or readily ascertainable address or name and that is associated with a meeting resource owner, a unique meeting key is generated for a particular meeting that is scheduled to occur using the meeting resource. The unique meeting key allows a participant to have access to the meeting resource only after the meeting resource owner has accessed the meeting resource with the same unique meeting key.
    Type: Application
    Filed: April 20, 2015
    Publication date: October 20, 2016
    Inventors: Nicolai Grødum, Magnus Aaen Holst
  • Publication number: 20160307166
    Abstract: A method for requesting a person to be available for a scheduled event is provided. The method may include providing a user interface (UI) for requesting at least one person to be available for an event. The method may also include detecting an entry via the UI requesting at least one person to be available for the event. The method may further include detecting an entry via the UI for at least one invitee to be invited to the event. The method may additionally include confirming an availability of the at least one person and an availability of the at least one invitee. The method may also include sending a unique calendar invitation to the at least one person. The method may include sending a calendar invitation to the at least one invitee based on the confirmed availability of the at least one person and the at least one invitee.
    Type: Application
    Filed: September 10, 2015
    Publication date: October 20, 2016
    Inventors: Lisa M. Bradley, Brian O'Donovan, Aaron J. Quirk, Lin Sun
  • Publication number: 20160307167
    Abstract: Management of potential meeting conflicts is provided to allow extending a meeting beyond the original booking period of a room, or other resource, as well as automatically coordinate and/or adjust the resource bookings of affected meetings with the owner's consent of the affected meetings. The coordination satisfies the criteria set by a meeting owner for the affected meeting and/or global criteria defined at the organization level. Any change in the resource as part of the coordination and/or adjustment is communicated to the affected participants and/or resource manager via a specified communication channel, such as an instant message.
    Type: Application
    Filed: March 11, 2016
    Publication date: October 20, 2016
    Inventor: Mayank B. Bathiya
  • Publication number: 20160307168
    Abstract: A system and method for managing products, product services, and stakeholders, including communications between stakeholders, over an internet. The system and method includes an internet based portal and/or platform configured to support a number of stakeholders participating in the lifecycle of a product. The portal and/or platform provides solutions and services for all stages of a product life cycle. The portal and/or platform is configured to support internet connected devices and to support a plurality of services.
    Type: Application
    Filed: December 5, 2014
    Publication date: October 20, 2016
    Inventors: Mansimar Aneja, Stefan Jungmayr, Ji Eun Kim
  • Publication number: 20160307169
    Abstract: A shredded tire credit is used in methods and systems for recycling tires to enhance the efficiency of tire recycling sites distributed over large areas. A scrap tire delivery is sent to a scrap tire processor at a first shred facility for conversion into shredded tire product. A shredded tire credit is received from the scrap tire processor in return for the scrap tire delivery. The shredded tire credit is redeemed with the scrap tire processor for an amount of shredded tire product processed at a second shred facility of the scrap tire processor and delivered to a pyrolytic processor to generate at least one pyrolytic end product from the shredded tire product. A pyrolytic processor payment (including a pyrolytic end product or a secondary product derived therefrom) is received from the pyrolytic processor in return for the shredded tire product received from the redeemed shredded tire credit.
    Type: Application
    Filed: December 10, 2014
    Publication date: October 20, 2016
    Inventors: David G. Abdallah, JR., John G. Sheerin
  • Publication number: 20160307170
    Abstract: Embodiments of the invention include systems and methods for creating a customized framework for allowing members of a first network to conduct transactions with members of a second network, where the two networks do not otherwise allow members to conduct transactions with one another. The system may (i) communicate with the first network to receive transaction instructions from a party to the transaction, as well as the alias of the counterparty, (ii) communicate with the second network to receive aliases and transaction data associated with its members, and (iii) generate a directory that associated the members' aliases with the transaction data. The system performs the transaction based on the directory, the transaction instructions, the alias, and the transaction data. The system is also configured to allow a member of one network manage the third party networks that store and use information related to the member.
    Type: Application
    Filed: April 14, 2015
    Publication date: October 20, 2016
    Inventors: Scott Lee Harkey, Matthew Laine Donlan
  • Publication number: 20160307171
    Abstract: Transaction equipment includes an application controller that is capable of executing at least one of a settlement application and a business application, a radio communicator that performs communication with at least one peripheral equipment used in the settlement application or the business application or a docking device to which at least one peripheral equipment is connected, and a link establisher that selects any one of a plurality of docking device, as a first docking device, based on reception qualities of signals transmitted from the plurality of docking devices, and establishes a radio communication link with at least one peripheral equipment connected to the first docking device.
    Type: Application
    Filed: March 31, 2016
    Publication date: October 20, 2016
    Applicant: PANASONIC INTELLECTUAL PROPERTY MANAGEMENT CO., LTD.
    Inventor: Ichiro HAGA
  • Publication number: 20160307172
    Abstract: According to an example, association information of a target account is obtained. Recommendation information is generated for the target account according to the association information and is transmitted to the target account. After feedback information transmitted by the target account in response to the recommendation information is received, processing is performed according to the feedback information transmitted by the target account.
    Type: Application
    Filed: December 10, 2014
    Publication date: October 20, 2016
    Applicant: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED
    Inventor: Wenbin He
  • Publication number: 20160307173
    Abstract: A data intake and query system measures an amount of raw data ingested by the system during defined periods of time. As used herein, ingesting raw data generally refers to receiving the raw data from one or more computing devices and processing the data for storage and searchability. Processing the data may include, for example, parsing the raw data into “events,” where each event includes a portion of the received data and is associated with a timestamp. Based on a calculated number of events generated by the system during one or more defined time periods, the system may calculate various metrics including, but not limited to, a number of events generated during a particular day, a number of events generated per day over a period of time, a maximum number of events generated in a day over a period of time, an average number of events generated per day, etc.
    Type: Application
    Filed: April 20, 2015
    Publication date: October 20, 2016
    Inventors: Vijay Chauhan, Banipal Shahbaz, David Hazekamp
  • Publication number: 20160307174
    Abstract: A digital platform connected and accessed by one or more computing systems via a network connection. Said digital platform being loaded into the memory of the one or more computing systems and comprising a content management system, a customer database and a communications platform, allowing the display and manipulation of content by a user operating the digital platform remotely. Said digital platform being operated remotely being capable of recording and tracking the user's interaction with the computing system, storing the recorded information to the customer database and providing the information to participating parties having access to retrieve the information from the customer database, generating both sales leads and product sales.
    Type: Application
    Filed: April 20, 2016
    Publication date: October 20, 2016
    Inventors: Todd Marcelle, Robert Florig, Marc Rubino, Benjamin Catanese
  • Publication number: 20160307175
    Abstract: The present invention relates to a financial device and a control method and system thereof. The financial device may comprise: one or more selection portions; and a control unit configured to process any one of a plurality of financial processes, when any one of the one or more selection portions is input.
    Type: Application
    Filed: April 20, 2016
    Publication date: October 20, 2016
    Inventors: Yong Gyun Choi, Kyung Hee Kim, Kwang Hyun Park, Han Yong Park
  • Publication number: 20160307176
    Abstract: A payment handling system may operate to handle payments for the cost of a transaction in which one or more devices operate in an offline mode. The payment handling system may allow for merchant devices to make modifications to local versions of an open ticket while in an off-line mode. When a merchant device subsequently enters an online mode, the systems and techniques may operate to reconcile differences between the local versions of the open ticket.
    Type: Application
    Filed: April 14, 2015
    Publication date: October 20, 2016
    Inventors: Christopher Philip Renke, Michael Wells White, Eric Dickeson Muller, Mathew Wilson
  • Publication number: 20160307177
    Abstract: The present invention discloses methods and systems for providing secure user access to services offered by a service provider to a client application over a network. One embodiment includes receiving an application cookie from the client application and populating a service cookie based on information in the application cookie. Information in the service cookie is utilized as a basis for regulating a provision of services to the client application.
    Type: Application
    Filed: December 21, 2015
    Publication date: October 20, 2016
    Inventors: Anthony J. Yeates, Pavel A. Dournov, Sumeet Updesh Shrivastava, Shankar Arunachalam Bharadwaj, Donna L. Whitlock
  • Publication number: 20160307178
    Abstract: A method for optimizing electronic commercial transactions allows a purchaser to pay using a payment method of his or her choice while simultaneously allowing a vendor to receive payments using a method of his or her choice. The purchaser is preapproved by a platform for payment to the platform in one or more methods of paying. The platform is able to provide payments using a variety of different monetary transfer methods and several types of currency. When the purchaser wishes to conduct a transaction, he or she authorizes the platform to receive money through one of the preapproved methods of payment. The purchaser also instructs the platform to provide payment to a vendor. The vendor may select the manner in which he or she receives payment from the platform.
    Type: Application
    Filed: June 24, 2016
    Publication date: October 20, 2016
    Inventor: Michael Beaulieu
  • Publication number: 20160307179
    Abstract: A data interaction method, a verification terminal, a server, and a system are described. The method includes: receiving, by a verification terminal, identity verification information from a user terminal, the identity verification information being information sent to the user terminal by a server in advance; sending, by the verification terminal, a request instruction to the server, the request instruction including the identity verification information; executing, by the server, an operation corresponding to the request instruction; and sending, by the server, feedback information to the verification terminal.
    Type: Application
    Filed: June 23, 2016
    Publication date: October 20, 2016
    Inventors: Fengfu Zou, Weigang Peng, Xinghua Zhuang, Qiyun Cai, Zhuren Chen
  • Publication number: 20160307180
    Abstract: A first embodiment of the present invention relates to systems and methods for determining a priority for a set of alert triggers and performing additional processing based on the determined priority. In some embodiments, additional processing may include generating and sending of alert messages. In other embodiments, additional processing may further include determining that the generating and sending of alert messages are to be delayed until a later time. In yet other embodiments, additional processing may include determining that no alert message is to be generated and sent. A second embodiment of the present invention relates to systems and methods for dynamically selecting a delivery channel and generating an alert message for the selected delivery channel. In some embodiments, the alert message may be formatted based on the selected delivery channel. According to one embodiment, the alert message may be generated based on a compact protocol format.
    Type: Application
    Filed: June 27, 2016
    Publication date: October 20, 2016
    Inventors: Ayman Hammad, Mark Carlson
  • Publication number: 20160307181
    Abstract: There are provided systems and methods for suspending and resuming transactions through wireless beacon communications. A merchant may set up a wireless beacon with employee devices. The beacons may connect to a user's device and assist the employee with determining and suspending a transaction for the user. Based on the connections between the user's device and a wireless beacon attached to an employee device, the employee device may receive an identifier for the user. The identifier may also be received from a previous check-in by the user. The employee or a user may scan one or more items that the user may wish to purchase. A transaction may be generated using the scan and may be associated with the user's identifier. Later the transaction may be recalled using the user's identifier or a transaction code identifying the transaction. Payment information for the user may also be associated with the transaction.
    Type: Application
    Filed: June 27, 2016
    Publication date: October 20, 2016
    Inventor: Mobeen Syed
  • Publication number: 20160307182
    Abstract: A telematics device, which is unrelated to an electronic toll collection (ETC) system, includes a processor, a location mechanism and a wireless interface to an outside server. The telematics device periodically monitors the location of the vehicle using the location mechanism and automatically activates a tracking function when the most recent location corresponds to a first predetermined location. Upon activation of the tracking function, the telematics device periodically records the vehicle locations to create driving history data. The device also requests and toll gate information from the outside server based on the recorded driving history data. The telematics device automatically stops recording the driving history when the most recent vehicle location corresponds to a second predetermined location and generates a vehicle report based on the driving history data and the toll gate information.
    Type: Application
    Filed: June 28, 2016
    Publication date: October 20, 2016
    Inventor: David Raymond Dempski
  • Publication number: 20160307183
    Abstract: A user may utilize an electronic telecommunications device comprising a wireless communications device to bind a first user device and a second user device. The user can insert the first user device into the electronic telecommunications device and enter authentication information. The first user device and the second user device can be bound over a wireless network enabled by the wireless communications device without requiring any sensitive account information to be entered by the user.
    Type: Application
    Filed: April 15, 2016
    Publication date: October 20, 2016
    Inventors: Patrick L. FAITH, Karen WINDUS, Cesar OTERO, Jeffrey GILL, Maria-Elena CARLSON
  • Publication number: 20160307184
    Abstract: A method of provisioning payment credentials to a mobile device includes receiving a payment credentials provisioning request. The method further includes facilitating decision-making with respect to the request based at least in part on data obtained and/or confirmed directly or indirectly from a mobile network operator (MNO) associated with the mobile device.
    Type: Application
    Filed: October 8, 2015
    Publication date: October 20, 2016
    Inventors: Kimberly Lewis Peyton, Maurice David Liscia, Sherri Haymond
  • Publication number: 20160307185
    Abstract: A method and system for authenticating and processing a transaction request using a vehicle based wireless system is provided. A vehicle may include a wireless tag or transponder, and a wireless system at a service station or fuel station can detect the presence of the wireless tag in a predefined general wireless service area. The wireless system can transmit vehicle information based on the detection of the wireless tag or vehicle. A user may enter an authenticator at a specific fuel dispenser within the general wireless service area. In response to entry of the authenticator, an authenticator processor may then associate a fueling authorization request with the specific fuel dispenser. In response to successful authorization of the transaction, a transaction authorization may be transmitted to the specific fuel dispenser where the authenticator was presented, which may be used to enable the specific fuel dispenser for use.
    Type: Application
    Filed: April 20, 2015
    Publication date: October 20, 2016
    Inventor: Ernest Betancourt
  • Publication number: 20160307186
    Abstract: A communication channel is established between a mobile device and a remote payment support service computer. The mobile device exchanges data communications with a contactless IC (integrated circuit) payment device, and triggers the payment device to generate a cryptogram. The mobile device receives the cryptogram and transmits it to the remote payment support service computer. The mobile device receives provisioning of payment credentials from the remote payment support service computer.
    Type: Application
    Filed: April 20, 2015
    Publication date: October 20, 2016
    Inventors: James Christian Noë, John Tierney
  • Publication number: 20160307187
    Abstract: An RFID-based smart terminal, bank card and financial management system are disclosed. The smart terminal comprises a first RFID antenna, a sensor switch and a processor. The first RFID antenna is configured to receive RFID signals. The sensor switch is configured to, when sensing the approach of an RFID signal source, activate the first RFID antenna directly or through the processor so as to enable RFID function. The smart terminal according to the present disclosure can, when sensing the approach of the RFID signal source, trigger the first RFID antenna a to be activated, and can effectively reduce the power consumption and save energy.
    Type: Application
    Filed: January 22, 2015
    Publication date: October 20, 2016
    Applicant: Huizhou TCL Mobile Communication Co., Ltd.
    Inventors: George GUO, Xuelong Ronald HU, Shiqing ZHAO
  • Publication number: 20160307188
    Abstract: The present disclosure relates to devices and methods relating to an optimized electronic transaction card where various data inputs associated with a dynamic transaction card optimize operational configurations and/or a user experience of the dynamic transaction card to extend an energy storage life of the dynamic transaction card, promote various behaviors, and/or detect system and/or device defects. A dynamic transaction card may include a dynamic transaction card with various configuration and/or functionality that use the power components (e.g., printed circuit board (PCB), energy storage component, battery, and/or the like) of the dynamic transaction card. The configuration and/or functionality data may include, for example, sensor input, connection data, transaction data, display data, and/or the like. The configuration and/or functionality data may then be used to determine optimal configuration settings.
    Type: Application
    Filed: April 14, 2016
    Publication date: October 20, 2016
    Inventors: James ZARAKAS, Brennon YORK
  • Publication number: 20160307189
    Abstract: A dynamic transaction card that includes a transaction card having a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a touch sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV chip, an energy storage component, one or more antenna (e.g., Bluetooth antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer.
    Type: Application
    Filed: April 14, 2016
    Publication date: October 20, 2016
    Inventors: James ZARAKAS, Theodore MARKSON, Adam KOEPPEL, Kevin KELLY, Brian BRIGGMAN, Saleem SANGI, David WURMFELD, Tyler LOCKE, Karla ESCALANTE
  • Publication number: 20160307190
    Abstract: A system for securely updating an electronic transaction card held by an account holder with an additional account and/or account data. A dynamic transaction card may be securely updated with an additional account by using pre-stored shell data and/or inactive data, whereby the pre-stored shell data may be populated using data received from an issuer system and/or the inactive data may be activated via an activation signal received from an issuer system. A backend server may determine, via a fraud determination, expiration determination, and/or user-request, that new account data should be transmitted to an account holder. The dynamic transaction card may receive the data associated with a notification, update a display, instruct an EMV applet to use a key associated with a received EMV key identifier for signatures, and/or update any additional data stored on the dynamic transaction card.
    Type: Application
    Filed: April 14, 2016
    Publication date: October 20, 2016
    Inventors: James ZARAKAS, Adam KOEPPEL, Kevin KELLY, David WURMFELD
  • Publication number: 20160307191
    Abstract: Devices, systems, and methods of user authentication, as well as automatic differentiation between a legitimate user and a cyber-attacker. A system detects that two different accounts of the same computerized service, were accessed by a single computing device over a short period of time. The system may employ various techniques in order to determine automatically whether a legitimate user accessed the two different account, such as, a husband accessing his own bank account and shortly after that accessing also his wife's bank account, or a payroll company accessing bank accounts of two clients for payroll management purposes. Conversely, the system is able to detect that the same user exhibited the same pattern of interactions when operating the two accounts, a pattern of interactions that does not frequently appear in the general population of legitimate users, thereby indicating that the single user is a cyber-attacker.
    Type: Application
    Filed: June 26, 2016
    Publication date: October 20, 2016
    Inventors: Avi Turgeman, Oren Kedem
  • Publication number: 20160307192
    Abstract: A secure digital asset and licensing distribution system and methods is disclosed. The secure digital asset and licensing distribution system comprises a multi-part software system that includes, but is not limited to, a server (e.g., Internet server), a user database, a media database, and a file server. A media pack algorithm resides on the server. Further, a distributed software component of the media pack algorithm resides on the personal computing devices of users. The media pack algorithm is used to create media packs comprising one or more digital assets (e.g., digital images, videos, music), wherein the media packs are encrypted for access only by the purchasing user. A method of creating/utilizing a media pack is provided.
    Type: Application
    Filed: September 11, 2015
    Publication date: October 20, 2016
    Inventor: Todd Frankson
  • Publication number: 20160307193
    Abstract: The present discloses an audio server that includes at least one memory device to store instructions and at least one processing device to execute the instructions stored in the least one memory device to convert audio sound waves from live event or concert into an audio signal, generate an encoded stream by encrypting the audio signal with a key, and in response to receiving purchase confirmation from a device, transmit the key to the device and stream the encoded stream to at least one device during the live event or concert. The device may decode the encoded stream using the key.
    Type: Application
    Filed: April 11, 2016
    Publication date: October 20, 2016
    Inventor: Bryan John Cowger
  • Publication number: 20160307194
    Abstract: The invention provides an easy to use credential management mechanism for multi-factor out-of-band multi-channel authentication process to protect payment credentials without the risk of malware and skimming attacks. When opened, the secure payment application generates a multi-dimensional transitory key. The user authenticates the multi-dimensional transitory key and validates the secure payment application, triggering an out-of-band outbound mechanism. The portable mobile device invokes the authentication server and the authentication server authenticates the user based on the authenticated transitory key. After authentication, the merchant is allowed access to the payment credentials to complete the transaction. The process of the invention includes an authentication server, a secure payment application to generate an authentication vehicle or an embodiment (i.e. multi-dimensional transitory key) and handle incoming requests, and a portable communication device with a smartphone application.
    Type: Application
    Filed: June 26, 2016
    Publication date: October 20, 2016
    Inventors: Piyush Bhatnagar, Andrew Ferreira
  • Publication number: 20160307195
    Abstract: A computer-implemented method for validating and converting a data message is provided. The method is implemented using a data message validation and conversion (DMVC) computer device in communication with a memory. The method includes receiving from a client device a first data message in a first communication protocol. The first data message includes a plurality of data elements that include a format and a content. The method also includes converting the first data message into a second communication protocol, determining if the format and the content of each data element of the plurality of data elements is valid, if the determination is that at least one of the format and the content of at least one data element is not valid, generating a detailed report about the first data message and providing the detailed report to the client device, and otherwise transmitting the converted first data message.
    Type: Application
    Filed: April 20, 2015
    Publication date: October 20, 2016
    Inventors: Jay P. Cantwell, Chandrasekhar R. Gummi
  • Publication number: 20160307196
    Abstract: Systems and methods to process an authorization request related to mobile data stored by a mobile application in an account hosted on a server and accessed via an access token obtained via the mobile device during a registration session with a portal of an authorization processing system that stores an item associating with an account identifier. The access token is stored in a data warehouse in association with an account identifier registered during the registration session. In response to an authorization request containing the account identifier is determined by the authorization processing system to have satisfied a first set of conditions specified in the item associated with the account identifier, the portal is instructed to use the access token to communicate with the server to determine whether a second set of conditions identified by the item are met by the mobile data stored in the account hosted on the server that is separately operated from the authorization processing system.
    Type: Application
    Filed: April 6, 2016
    Publication date: October 20, 2016
    Inventors: Santosh Lachhman Achhra, Sonny Swords, Sergey Alex Paykis
  • Publication number: 20160307197
    Abstract: A unique transaction identifier governor generates and/or validates a unique trade identifier based on a set of pre-defined rules. The identifier is made up of multiple components, each component being generated using a linear construct, a rule-based hierarchies construct, or an algorithmic construct. Additionally, the governor enables the user to implement a customized construct for generating strings of Arabic numerals, letters, or any combination thereof as separate identifier components. Once an identifier is created and/or validated, the governor updates its database to include the identifier, and components therefor, in a comprehensive list of all previously generated identifiers. Thus, the governor is able to validate uniqueness of identifiers by cross-checking each generated component or identifier against the previously generated identifiers, and components therefor, stored within the governor's database(s).
    Type: Application
    Filed: June 22, 2016
    Publication date: October 20, 2016
    Applicant: Solutio LLC
    Inventors: Zachary Roeill, Vincent Framularo, Nichole Framularo
  • Publication number: 20160307198
    Abstract: The present disclosure provides a method for processing transaction data and a smart card. The method comprises: acquiring by a smart card transaction request information; reading by the smart card a state identifier of a last transaction; performing by the smart card a check calculation on the transaction request information, if the state identifier of the last transaction indicates that the last transaction is confirmed; outputting by the smart card the checked data and storing by the smart card transaction information of this transaction into a transaction log; displaying by the smart card key information of this transaction after this transaction is completed; and marking by the smart card a state identifier of this transaction as a confirmed identifier according to a confirmation operation, if the smart card receives the confirmation operation for the key information of this transaction within a predetermined period of time.
    Type: Application
    Filed: September 9, 2014
    Publication date: October 20, 2016
    Inventor: Dongsheng LI