Patents Issued in November 17, 2016
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Publication number: 20160335599Abstract: A method is provided that includes activating an application on a first device of a first user, and detecting a second device of a second user. The method further includes, in response to a first user input of the first user to the first device and a second user input of the second user to the second device, transmitting first information of the first user to the second decide and transmitting second information of the second user to the first device, and associating the first information and the second information with social network information of the first user and the second user. Social networking service accounts of the first user and the second user may be associated automatically, and the social graphs of the users may be displayed with respect to other users.Type: ApplicationFiled: January 23, 2015Publication date: November 17, 2016Inventor: Hitoshi KAWANABE
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Publication number: 20160335600Abstract: A system and method for automatically targeting content to recruiting candidates are provided. A set of users that satisfy one or more search criteria is identified as candidates. A recruiting system assigns each candidate to a nurture flow that comprises multiple segments, each segment associated with one or more actions to perform relative to the candidate, such as sending certain content to the candidate through one or more delivery channels. In one approach, each candidate's progress is tracked to determine which candidate characteristics are determinative of successful recruitment.Type: ApplicationFiled: May 15, 2015Publication date: November 17, 2016Inventors: Raviraj Jain, Kathleen Garvey, Christopher L. Mann, Peter Rigano, Matthew Rendely
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Publication number: 20160335601Abstract: The present invention provides a system and method for hiring a candidate who are available for certain joining period and also provide partial incentive to the candidates after accepting the offer, in which the candidates can update their profile including their joining period and the employer can view, sort, search, display the candidates profile based on the candidates profile parameters. Further, the system is configured to track, record and display of all the activities performed in recruitment process to facilitate the recruitment team, thus can facilitate the employers to know the various stages of the candidate's recruitment at other employer places till placement. In further, the system is configured to provide partial incentive at the time of joining in an organization/employer and remaining incentive after completion of certain duration of employment.Type: ApplicationFiled: June 24, 2015Publication date: November 17, 2016Inventor: MANIKANTH DORNADULA
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Publication number: 20160335602Abstract: Disclosed is a preference-based human resources management system and method. In one embodiment, the present system includes a user interface for obtaining responses to a series of textual or graphical questions via a game or an activity, from a user, which can be algorithmically combined with defined utility curves to identify multi-dimensional measures of individual risk aversion, loss aversion, ambiguity aversion, time preferences, and social (distributional) preferences. These preferences define a user's economic fingerprint that can be used to conduct job screening, recruit potential training, conduct job training, and make other job-related decisions.Type: ApplicationFiled: May 13, 2016Publication date: November 17, 2016Applicant: Capital Preferences, Ltd.Inventors: Shachar Kariv, Jay Womack, Bernard Del Rey, Daniel S Silverman
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Publication number: 20160335603Abstract: A method and system are provided for analyzing data in an online professional social network to identify, score, and match users with regard to providing professional services. A graph structure provides an efficient structure for accessing and processing data about service providers in order to create a service marketplace.Type: ApplicationFiled: July 28, 2016Publication date: November 17, 2016Applicant: 0934781 B.C. LtdInventors: Ali DAVAR, David Robert THOMPSON, Maziyar HAMDI
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Publication number: 20160335604Abstract: A system and method for scheduling with sharing, including: scheduling one or more of a plurality of event programs for a set of registered users via a scheduling platform; obtaining a set of sharing settings from a first registered user of the registered users that define a set of conditions for sharing a set of information pertaining to one or more of the event programs scheduled by the first registered user with the registered users other than the first registered user; and sharing the information with one or more of the registered users other than the first registered users in accordance with the sharing settings.Type: ApplicationFiled: May 13, 2015Publication date: November 17, 2016Inventors: Jason Reminick, Suzanne Karan
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Publication number: 20160335605Abstract: Provided are systems for setting up business related virtual meetings such as breakfast, lunch or dinner meetings. The system comprises one or more computers having at least a processor, memory and display coupled to the processor and at least one network connection. A computer tool is coupled to the one or more computers. This interactive tool comprises an locating tool for extracting information of restaurants and their menus in an area, a plurality of modules configured to process and track information for setting up a virtual meeting, processing food orders and generating reminders. The interactive tool also comprises a database for lead and sales information, which is accessible via the modules. A user interface is integrated in the one or more computers and coupled to the modules and databases. The system is able to increase the acceptance rate of a meeting invitation and reduce the non-participation rate after acceptance.Type: ApplicationFiled: May 11, 2016Publication date: November 17, 2016Inventor: Avigdor Tessler
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Publication number: 20160335606Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for determining other users that will attend an event with a user. One of the methods includes receiving, by a computer-implemented agent for a device, input from a user identifying an event, determining constraints for other users that will be invited to attend the event, determining one or more other users who meet the constraints, identifying, for each of the other users, other computer-implemented agents, each of the other agents for respective other devices, sending, to each of the other agents, a request to determine whether the respective other user of the other agent is interested in attending the event, receiving, from a first subset of the other agents, a response that indicates that the respective other user is interested in attending the event, and facilitating communication between the user and the respective other users.Type: ApplicationFiled: July 29, 2016Publication date: November 17, 2016Inventors: Johnny Chen, Thomas L. Dean, Gabriel Schine, Qiangfeng Peter Lau, Sudeep Gandhe
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Publication number: 20160335607Abstract: Systems and methods are provided for managing authorization and device configuration to facilitate the usage and transfer of qualified travel vouchers in various manners that enable one or more authorized users to travel using various transportation systems and providers.Type: ApplicationFiled: May 13, 2015Publication date: November 17, 2016Inventors: Robin KALLAS, Alexander KALLAS
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Publication number: 20160335608Abstract: Systems, methods, apparatuses, and computer-readable media configured to generate a virtual payment device having a scannable code are presented. The scannable code may be a bar code, quick response code, or, in some examples, the virtual payment device may include both. In some arrangements, a user may provide one or more parameters associated with the virtual payment device, such as an amount, an expiration date, and/or a name of one or more merchants at which the virtual payment device may be used. The virtual payment device may be generated and the scannable code may include the parameter information. Accordingly, a user may scan the code on the virtual payment device at a point of sale system at a merchant to use the virtual payment device as a method of payment. If the virtual payment device is authenticated, the transaction may be processed by the point of sale system.Type: ApplicationFiled: May 15, 2015Publication date: November 17, 2016Inventors: Tamilarasan Balasubramani, Manoj Shankar, Raghav Shenoy
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Publication number: 20160335609Abstract: A system and method for verifying ownership of a digital asset transferred over a network includes creating a first public digital tag for the digital asset upon performing a first transaction, the first digital tag including a unique identifier of the digital asset, a namespace associated with the digital asset, and a first current forward address for the transfer of the digital asset, permanently associating the first public digital tag with the digital asset, and transferring the digital asset with the associated first public digital tag in accordance with the first transaction. A second public digital tag is permanently associated with the digital asset upon a subsequent transfer of the digital asset to a second current forward address in accordance with a second transaction, the second digital tag including the unique identifier of the digital asset, the namespace associated with the digital asset, and a second current forward address for the subsequent transfer of the digital asset.Type: ApplicationFiled: May 12, 2016Publication date: November 17, 2016Inventor: Gareth Jenkins
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Publication number: 20160335610Abstract: Crowd funding for innovation includes distributing a proposal with a description of a project idea, an amount of funds requested, and a time frame for raising the funds. Ownership of the project is transferred to an entity, which receives contributions from contributors and for each of the received contributions converts the contribution to a corresponding amount of virtual coin and adds the contribution to the funds. If the funding goal is complete within the time frame, the entity converts the coins to actual money and releases the money to the requestor. After completion of the project, the entity determines if the project is successful and can commercialize successful projects. For certain successful projects, the entity can also distribute the back funds to the contributors.Type: ApplicationFiled: May 15, 2015Publication date: November 17, 2016Inventors: Audrey A. Sherman, Robert R. Kieschke, Frank J. Sherman, Mario A. Perez, Raymond P. Johnston, Kandyce M. Bohannon
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Publication number: 20160335611Abstract: A user attribute value transfer method, includes: obtaining a picture; performing facial recognition to recognize human faces in the picture; according to an entered instruction, determining a target human face selected from recognized human faces and determining a corresponding target attribute value; generating an attribute value transfer request according to the target attribute value and corresponding facial recognition information; and sending the attribute value transfer request to a server, so that the server performs an attribute value transfer operation according to the attribute value transfer request.Type: ApplicationFiled: September 11, 2015Publication date: November 17, 2016Applicant: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITEDInventor: Xiaoye WANG
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Publication number: 20160335612Abstract: A method of selling media based on individual consumption is used to charge users for viewing or listening to content based on how much of the content is consumed. The method of the present invention is performed by a system in which at least one remote server is used to store a plurality of content files and manage a plurality of user accounts. A desired file from the plurality of content files may be streamed to a corresponding computing device for an arbitrary account from the plurality of user accounts. As the desired file is streamed, a quantifiable content consumption is measured for the desired file. The quantifiable content consumption is compared to the desired file to calculate an adjustment proportion. The adjustment proportion is applied to a total price of the desired file in order to charge the arbitrary account based on the amount of content consumed.Type: ApplicationFiled: May 11, 2016Publication date: November 17, 2016Inventor: Patrick Quinn Sweeney
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Publication number: 20160335613Abstract: Embodiments provide systems, methods, processes, computer program code and means for using mobile devices to conduct payment transactions at merchant locations including brick and mortar locations and remote locations as well as for person to person transactions.Type: ApplicationFiled: July 25, 2016Publication date: November 17, 2016Inventor: Kevin Laracey
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Publication number: 20160335614Abstract: Illicit acquisition of a medium can be detected easily. A banknote pay-in/pay-out device 10 of an ATM 1 counts the number of banknotes of each denomination based on classification information for the banknotes prior to dispensing and after dispensing when forgotten banknotes arise in pay-out processing, thereby respectively generating pre-dispensing classification information N1 and post-dispensing classification information N2. The banknote pay-in/pay-out device 10 can thereby easily detect a change in the number of banknotes of each denomination between prior to dispensing and after dispensing by comparing the pre-dispensing classification information N1 against the post-dispensing classification information N2, and can facilitate the workload of a member of staff of a financial institution or the like when illicit activity has taken place.Type: ApplicationFiled: December 16, 2014Publication date: November 17, 2016Applicant: Oki Electric Industry Co., Ltd.Inventor: Youichi NOROTA
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Publication number: 20160335615Abstract: A wearable display device including a frame unit configured to be worn on a head of a user; a display unit configured to display an image to at least one of left and right eyes of the user; a camera configured to acquire a scene viewed by the user as an image; and a controller configured to control the camera to obtain an image of billing information viewed by the user, display a progress screen of a payment process associated with the billing information photographed on the display unit, receive a payment authorization input of the user for paying an amount included in the billing information, and complete payment for the amount included in the billing information when the received payment authorization input successfully matches a predefined payment authorization input.Type: ApplicationFiled: November 9, 2015Publication date: November 17, 2016Applicant: LG ELECTRONICS INC.Inventors: Sangwon KIM, Hyungjin KIM, Kang LEE, Sukwon KIM, Daehwan KIM, Woo JUNG, Yunsun CHOI, Yongjoon LEE
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Publication number: 20160335616Abstract: A kiosk for accepting a portable electronic device from a client in exchange for payment includes a display, one or more cameras, a portable device receiving arrangement, a payment dispensing arrangement, and a communication connection to a remote server and/or operator. The kiosk is configured to, in conjunction with the remote server and/or operator, control an application program executing on the portable electronic device and one or more the cameras to detect characteristics of the portable electronic device. The kiosk is also configured to determine a value for the portable electronic device based upon aspects including the detected characteristics, and to display the determined value on said at least one display for approval by the client. Subsequently, based upon the determined value, the kiosk provides a payment to the client via the payment dispensing arrangement, and deposits the portable electronic device in the kiosk for subsequent collection.Type: ApplicationFiled: May 12, 2016Publication date: November 17, 2016Inventors: David BORDELEAU, Tony MASTRONARDI
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Publication number: 20160335617Abstract: A method for facilitating purchases from a point of sale device using a biometric identifier includes receiving a biometric identifier and a point of sale (POS) identifier from a point of sale device. A user is identified based on the biometric identifier. It is then determined whether the user is authorized to request a purchase at the point of sale identified by the point of sale identifier. A purchase request authorization and user preferences of the user are transmitted to the point of sale device in response to determining that the user is authorized to request a purchase at the point of sale device.Type: ApplicationFiled: May 12, 2015Publication date: November 17, 2016Applicant: AT&T INTELLECTUAL PROPERTY I, L.P.Inventors: Brian M. Novack, Mehmet Ozkan, Rodney Brandenburgh, Pramod Pateel, Tim Johnson, William Shaw
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Publication number: 20160335618Abstract: Techniques for portable devices functioning as an electronic purchaser (e.g., e-purse) and/or an electronic mobile seller (e.g., mobile point-of-sales (POS)) are disclosed. According to one aspect of the invention, a mechanism is provided to enable a portable device to conduct e-commerce and m-commerce transactions over an open network with a payment server and/or a POS transaction server without compromising security. In one embodiment, a portable device is loaded with an e-purse as an electronic mobile purchaser. In another embodiment, the portable device is installed with a mobile POS as an electronic mobile seller.Type: ApplicationFiled: April 23, 2007Publication date: November 17, 2016Applicant: RFCYBER CORP.Inventors: Liang Seng Koh, Hsin Pan, Futong Cho, Fuliang Cho
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Publication number: 20160335619Abstract: Techniques for enabling transactions using mobile devices are described herein. A mobile device is configured to wirelessly receive from a provider of products and services an encrypted near field communications (NFC) data exchange format (NDEF) message using an over-the-air communications standard different from the NFC standard. The NDEF message is decrypted to recover the NDEF payload. An NFC emulated card is generated from the information included in the NDEF payload and stored in the mobile device. The NFC emulated card is used to store funds for making payments. For conducting a transaction at the provider's place of business, the NFC emulated card is provided to a point-of-sale terminal for authorization, fund transfer, and completion of transaction.Type: ApplicationFiled: July 9, 2012Publication date: November 17, 2016Inventor: Rafeeq CE
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Publication number: 20160335620Abstract: A method of transaction between a mobile payment device and a vending machine is described, together with a system and elements of a system supporting such a method of transaction. The method comprises establishing wireless contact between the mobile payment device and the vending machine. Vending machine transaction details are established between the mobile payment device and the vending machine. These vending machine transaction details are sent to a vending platform associated with a payment infrastructure where the vending machine transaction is authorised. The vending platform then provides an authorisation token for the vending machine transaction, allowing the vending machine to enable vending when the authorisation token has been received.Type: ApplicationFiled: April 8, 2016Publication date: November 17, 2016Applicant: MasterCard International IncorporatedInventors: Garry LYONS, Eamon DOYLE, Saravana Perumal SHANMUGAM, Donghao HUANG, Jiaming LI, Oran CUMMINS
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Publication number: 20160335621Abstract: During a card not present (CNP) transaction the user is required to provide more information which includes a two-way handover during transaction processing, merchant options in choosing these steps, security measures in storing information, and retrieving information to fight charge backs. APIs are provided to merchants to integrate with existing transaction processing software the supply sign off option information to the API. Merchants can sign off either prior to or after the transaction processing. Based on the sign off option, the smart phone app displays the steps required to complete the now enhanced sign off process. For the first sign off option, the user must first scan the credit card, then scan a photo id, and then sign the HI transaction. For the second sign off option, the user has to scan the credit card and sign the transaction. For the third sign off option, the user must sign the transaction.Type: ApplicationFiled: May 20, 2015Publication date: November 17, 2016Inventor: Gopesh Kumar
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Publication number: 20160335622Abstract: A mobile terminal and controlling method thereof are disclosed, by which a plurality of message, product or registration card items and be collectively managed. The present invention includes a wireless communication unit configured to transmit/receive messages or data, a user input unit configured to receive a command from a user, a touchscreen, and a controller outputting the received messages through the touchscreen, the controller controlling a prescribed received message among the received messages to be included in a prescribed group, the controller, if a change command for the prescribed group is received through the user input unit, controlling the wireless communication unit to transmit a change request signal corresponding to some messages selected from the received messages included in the prescribed group.Type: ApplicationFiled: September 8, 2015Publication date: November 17, 2016Applicant: LG ELECTRONICS INC.Inventors: Mihyun PARK, Gukchan LIM, Hongjo SHIM, Yoonwoo LEE, Seonghyok KIM, Dongeon LEE
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Publication number: 20160335623Abstract: Systems and methods for facilitating transactions using contactless proximity communication technology include information or payment flows that are reversed from the conventional sense in that information may flow in direction from a merchant via a consumer mobile device to a financial services provider (FSP). Such payment and information flows can be accomplished without needing to modify infrastructure—such as point-of-sale NFC readers, mobile handsets, or advertising tags and may provide “bridge solutions” for quickly implementing mobile proximity purchase payments.Type: ApplicationFiled: July 22, 2016Publication date: November 17, 2016Inventors: Sebastien Taveau, Eric Duprat
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Publication number: 20160335624Abstract: An embodiment of a method for splitting a bill includes displaying a primary bill that includes a plurality of items on a first payer device. A plurality of inputs are received from the first payer device that assign the plurality of items to a first payer and at least one second payer to generate a first secondary bill and at least one second secondary bill. Each at least one second secondary bill is then sent to a respective second payer device, and payments are sent for the first secondary bill from the first payer device and each at least one secondary bill from the respective second payer device. An image of a physical bill may be taken by the first payer device and optical character recognition may be performed on the image to produce the primary bill that is displayed on the display of a first payer device.Type: ApplicationFiled: July 29, 2016Publication date: November 17, 2016Inventor: Nadav Naaman
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Publication number: 20160335625Abstract: Various aspects of a method and system for authentication of a virtual currency instrument for a monetary transaction are disclosed herein. In accordance with an embodiment, the method includes activation of a software module different from a payment application at an electronic device. An authentication of secure information, which is read through the payment application by the software module, is performed at the electronic device. Output of an authentication result occurs at the electronic device based on the authentication from the software module for the monetary transaction.Type: ApplicationFiled: November 5, 2015Publication date: November 17, 2016Inventors: THOMAS WOONYOUNG KO, MAKOTO KOIKE, PRAMOD CHINTALAPOODI
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Publication number: 20160335626Abstract: Various aspects of an apparatus and a method for issued token management are disclosed herein. The apparatus comprises an interface configured to communicate with a plurality of electronic devices, via a token server. The apparatus includes a controller configured to receive, from the token server, a plurality of registration requests generated by a user associated with the plurality of electronic devices. An account and associated identity of each of the plurality of electronic devices may be confirmed for a virtual currency instrument that corresponds to the user and an approval is transmitted to issue a token to each of the plurality of electronic devices. A plurality of instantiations of the virtual currency instrument, from the plurality of electronic devices, is registered in a user profile related to the user and stored in a memory along with the associated electronic device information, and the virtual currency instrument information.Type: ApplicationFiled: November 25, 2015Publication date: November 17, 2016Inventors: THOMAS WOONYOUNG KO, MAKOTO KOIKE, PRAMOD CHINTALAPOODI
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Publication number: 20160335627Abstract: The invention relates to a method 20 for signing data. According to the invention, the method comprises the following steps. A device generates a first cryptogram by using a predetermined payment transaction key, a predetermined algorithm and data relating to data to be signed, as input to the algorithm. The data to be signed being different from payment transaction data. The device sends, without going through any payment transaction channel, to a first server a first message including a request for validating a signature relating to the data to be signed accompanied with the first cryptogram and the data relating to the data to be signed. The first or a second server generates a second cryptogram by using the predetermined payment transaction key, the predetermined algorithm and the data relating to the data to be signed, as input to the algorithm. The first or the second server compares the second cryptogram to the first cryptogram.Type: ApplicationFiled: May 11, 2015Publication date: November 17, 2016Applicant: GEMALTO SAInventors: Didier HUGOT, Pierre BROUSSEAU
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Publication number: 20160335628Abstract: A system and method for the secure online storage of digital currency or crypto-currency assets, and the secure use of stored online digital currency assets for financial payment transactions and credit lending transactions in either digital currency or fiat currency. The present invention includes various methods for the encryption and secure online storage of a digital currency wallet using spliced/paired design architecture, and various methods for the integration of secure digital currency online wallets with online banking platforms, debit card devices, credit card devices, credit lending networks, merchant payment processors and credit card associations. The present invention also relates to the use of spliced/paired design architecture for non-financial applications that improve the online storage security of other types of data files and document files that are not related to digital currency or financial transactions.Type: ApplicationFiled: May 14, 2015Publication date: November 17, 2016Inventor: Adam Mark Weigold
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Publication number: 20160335629Abstract: System and method for securely transferring rights comprising an ownership log of holding transfer certificates, wherein each holding transfer certificate contains data associated with an asset and is recorded against a public key of the owner of the holding. A transaction processor configured to transfer ownership of holdings, the transaction processor configured to receive a first block of data digitally signed by a first owner and having a first holding transfer certificate digitally signed by the first owner, the first block of data describing a first holding offered by the first owner in exchange for a requested second holding. Receive a second block of data digitally signed by a second owner and having a second holding transfer certificate digitally signed by the second owner, the second block of data describing a third holding offered by the second owner in exchange for a requested fourth holding.Type: ApplicationFiled: January 20, 2015Publication date: November 17, 2016Applicant: EUROCLEAR SA/NVInventor: Angus Scott
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Publication number: 20160335630Abstract: During a card not present (CNP) transaction the user is required to provide more information which includes a two-way handover during transaction processing, merchant options in choosing these steps, security measures in storing information, and retrieving information to fight charge backs. APIs are provided to merchants to integrate with existing transaction processing software the supply sign off option information to the API. Merchants can sign off either prior to or after the transaction processing. Based on the sign off option, the smart phone app displays the steps required to complete the now enhanced sign off process. For the first sign off option, the user must first scan the credit card, then scan a photo id, and then sign the transaction. For the second sign off option, the user has to scan the credit card and sign the transaction. For the third sign off option, the user must sign the transaction.Type: ApplicationFiled: May 12, 2015Publication date: November 17, 2016Inventor: Gopesh Kumar
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Publication number: 20160335631Abstract: A system and method are provided herein for self-imposing a financial penalty for purchasing comestibles containing nutritional content not in compliance with user pre-defined nutritional content guidelines. One or more user pre-defined nutritional content guidelines and one or more user pre-defined target accounts are stored and associated with one or more financial transaction instruments of the user. Financial transactions based on the one or more financial transaction instruments are monitored to identify comestibles purchased by the user. If the nutritional content of at least one of the purchased comestibles is not in compliance with the guidelines, a financial transaction is initiated to transfer funds against the one or more financial transaction instruments in favor of the one or more target accounts. Advantageously, the method and system of the subject disclosure allows for a user to self-impose a financial incentive to abide by self-defined nutritional guidelines.Type: ApplicationFiled: May 14, 2015Publication date: November 17, 2016Inventor: JUSTIN XAVIER HOWE
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Publication number: 20160335632Abstract: A wearable device includes a wearable device structure at least partially made of a silicone rubber. A support member is at least partially positioned in the wearable device structure. ID circuitry is at least partially positioned and coupled to the support. One or more batteries coupled to the ID circuitry.Type: ApplicationFiled: July 25, 2016Publication date: November 17, 2016Inventors: James Proud, Bryan Fan, Robert Shook, Joaquin Fernandez
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Publication number: 20160335633Abstract: Pre-authorized communication services and/or transactions are provided via a plurality of networks in response to a request received from a user to provide at least one of a communication service, a transaction and user account information via a plurality of networks of different types. Prior to processing the request, there is verification of the users authorization to receive the at least one of the communication service, the transaction, and the user account information, and that an account associated with the user has a sufficient amount currently available for payment of the at least one of the communication service and the transaction. After verification, an authorized account associated with the user is charged in real time as the at least one of the communication service and the transaction is provided.Type: ApplicationFiled: July 27, 2016Publication date: November 17, 2016Inventors: Simon James Joyce, Prafulla C. Gupta, Manohar Sitaram Vaidya, Rajesh Alla, Ashok Kumar Reddy Eanuga, Sreeramamurty Ayalasomayajula, Richa Gupta, Alok Kaushal, Varma Laxmi Jagannadha Siva Kumara Jampana, Prasad Naganianeya Vara Undavalli, Kondal Rao Nallajerla, Sivaramayya Bonagiri, Krishna Mohan Sistla, Amba Prasad Gudipati, Biswajit Sundar Ray, Raghuram Govindacharyula, Penumatsa Janakirama, Veerabhadra Rao Kalluri, Ravi Devi Venkata Sathi, Ramkumar Katchapeswaran Mambakkam, Surya Sekhar Lakshmi Velpuri, Bhanu Murthy Nallagonda
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Publication number: 20160335634Abstract: A method and system for enabling partial payment by a controlled card, wherein the method includes: storing, in a database, a plurality of account profiles, wherein each account profile includes at least a controlled card account identifier and data related to at least one control associated with the controlled card account identifier; receiving an authorization request for a payment transaction via a payment network, wherein the authorization request includes at least a single controlled card account identifier associated with one of the plurality of controlled card account profiles and transaction data; generating at least one recommended approval value based upon the at least one control associated with the single controlled card account identifier; updating the authorization request to include information in one or more data fields that corresponds with the at least one recommended approval value; and transmitting the updated authorization request.Type: ApplicationFiled: May 14, 2015Publication date: November 17, 2016Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Eoin FLOOD
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Publication number: 20160335635Abstract: A system capable of charging up electronic money cards using a credit card is provided. A PIN is authenticated between a card terminal and the credit card. The card terminal transmits to a credit company server an authentication result, amount information indicating an amount with which to charge up, and a credit card number of the credit card. After billing, the credit company server transmits the amount information and the credit card number to an electronic money server. The electronic money server identifies an electronic money card based on the credit card number. The electronic money server generates amount change information for adding the amount with which to charge up to “VALUE”, and transmits the amount change information to the card terminal. The electronic money card updates the amount of “VALUE” stored therein to an amount specified by the amount change information.Type: ApplicationFiled: July 26, 2016Publication date: November 17, 2016Inventors: Mikihisa SUZUKI, Tsutomu OKUDE
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Publication number: 20160335636Abstract: The purpose of the present invention is to propose a dual-channel identity authentication selection device, system and method. During payment or login, a security method is involved, where one channel is used to transmit a user name, and identity authentication data and devices are selected by a selection device according to the transformed user name, and the other channel is used to transmit the data to a server. When an insecure computer terminal is used, another computer terminal can be used to cooperate with a server to achieve secure payment or login. The method can be used for network payment, and can simply and securely solve the problems of identity authentication and payment data security in the process of using services of banks, games and the like by combining with a good cryptographic protocol.Type: ApplicationFiled: January 22, 2015Publication date: November 17, 2016Inventor: Tong SHAO
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Publication number: 20160335637Abstract: Systems and methods are provided for processing transactions to payment accounts. One exemplary method includes receiving a transaction request from a merchant relating to a transaction between a consumer and the merchant, transmitting a verification message to the merchant including a verification code, and receiving a verified transaction request from the merchant. At least one of the transaction request and the verified transaction request includes a telephone number associated with the consumer and an amount of the transaction. The method also includes transmitting a confirmation request to the consumer including a confirmation code, when the verified transaction request includes said verification code. The method further includes receiving a confirmation response from the consumer and transmitting an authorization request for the transaction, when the confirmation response includes said confirmation code.Type: ApplicationFiled: May 10, 2016Publication date: November 17, 2016Inventors: Rahul A. Deshpande, Deborah E. Barta, Nevada Alpine Kent, V, Siddique Hameed, Stewart J. Boling, Michael K. Forbis
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Publication number: 20160335638Abstract: A transmission pairing system may include a transmission pairing stored in a secure database. The system may generate a transmission pairing by receiving a selection of a destination for the secure information from the secure database and determining a transmission type corresponding to the selected destination. The system may populate a list of available sources of the secure information based on the transmission type. A selected source may be received and paired with the selected destination to generate the transmission pairing. The transmission pairing may be used to initiate an electronic transmission based on a parameter that is modifiable to determine the secure information transmitted from the source to the destination.Type: ApplicationFiled: May 13, 2016Publication date: November 17, 2016Applicant: Branch Banking and Trust CompanyInventors: Dan Mauney, Lee Ratcliffe, JR., Matthew Whitley
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Publication number: 20160335639Abstract: A computer-implemented method for determining a level of confidence that a payment transaction is not fraudulent is provided. The method is implemented using an assurance exchange (AE) computer device in communication with a memory. The method includes receiving authentication data associated with a candidate payment transaction being conducted by a cardholder via a website associated with a merchant from the merchant, storing the authentication data, receiving an authorization request message for the candidate payment transaction from a payment processor, retrieving the authentication data for the candidate payment transaction based on the authorization request message, and calculating an assurance level score based on the authentication data and the authorization request message. The assurance level score represents a level of confidence that the candidate payment transaction is not fraudulent.Type: ApplicationFiled: May 13, 2015Publication date: November 17, 2016Inventors: Christopher John Merz, Johan Gerber, Douglas Van Horn, Mark B. Wiesman
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Publication number: 20160335640Abstract: Systems, methods, and computer program products are provided for linking one or more geolocation devices held by an individual with a payment instrument used by the individual. A specialized computing device receives graphical representations of geolocation history associated with one or more geolocation devices transmitting recognition IDs. The specialized computing device receives a payment instrument identification and associated graphical representation of spending history, to be linked with the one or more geolocation devices. A volume difference is calculated between the graphical representation of spending history and the graphical representation of geolocation history. A determination is then made if the volume difference between the graphical representation of spending history and the exactly one graphical representation of geolocation history is below a match threshold and, if so, linking the payment instrument identification with the one or more geolocation devices transmitting the recognition IDs.Type: ApplicationFiled: May 15, 2015Publication date: November 17, 2016Inventor: Justin Xavier Howe
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Publication number: 20160335641Abstract: Enhanced payment card account methods and systems. In an embodiment, a fraud scoring platform receives purchase transaction information and an associated decline decision generated by an issuer financial institution (FI) for a purchase transaction involving an enhanced payment card account. The fraud scoring platform then formulates a recommended decision score, determines that it is below a risk threshold, and transmits a purchase transaction authorization message to a payment network. Later, the fraud scoring platform receives a fraud message that the authorized purchase transaction of the enhanced payment card account is fraudulent, and then transmits instructions to transfer a monetary amount from a fraud expense pool to reimburse the issuer FI for costs associated with the fraudulent purchase transaction.Type: ApplicationFiled: May 13, 2016Publication date: November 17, 2016Inventors: Brigette White, Theunis Johannes Gerber, Julia Gosset
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Publication number: 20160335642Abstract: A fraud detection-use card information storage unit stores card information indicating that subsequent use of a card is regarded as illegal use. An illegal use information notification unit notifies a given information system about illegal use of the card, including the location where a fraudulent card was used, when a settlement system receives a settlement request from a card reading terminal device with card information identical to card information registered in the fraud detection-use card information storage unit.Type: ApplicationFiled: July 27, 2016Publication date: November 17, 2016Inventors: Hajime SOGAWA, Masahiro UENO, Yohei OTA
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Publication number: 20160335643Abstract: In one or more embodiments, one or more systems, methods, and/or memory devices described can be utilized to display a configuration interface that includes an emulated mobile device interface and a consumer program product development interface and emulate an emulated mobile device, that corresponds to a physical mobile device which includes a physical processor, a physical memory, and a physical integrated circuit, which can be displayed via emulated mobile device interface. The configuration interface can transfer at least one image associated with the emulated mobile device to the consumer program product development interface and can receive configuration information associated with the at least one image associated with the emulated mobile device and the physical mobile device. The configuration information can be utilized to produce a consumer program product that includes the at least one image and description information associated with steps utilizable to configure the physical mobile device.Type: ApplicationFiled: November 10, 2015Publication date: November 17, 2016Applicant: INVODO, INC.Inventors: Joel TRUNICK, Dylan SPURGIN, Matthew C. BRACE
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Publication number: 20160335644Abstract: A computing system may generate a customer interface comprising a listing of transactions of a customer and one or more user-selectable options for the customer to utilize to identify a subset of the transactions relevant to an inquiry and may communicate the customer interface to a computing device associated with the customer. The computing system may receive, from the computing device associated with the customer, data, generated by the computing device associated with the customer in response to the customer invoking the user-selectable option(s), identifying the subset of the transactions relevant to the inquiry. The computing system may generate an associate interface comprising a listing of the subset of the transactions relevant to the inquiry and omitting or obscuring one or more of the transactions that are not amongst the subset relevant to the inquiry and may communicate the associate interface to a computing device associated with an associate.Type: ApplicationFiled: May 12, 2015Publication date: November 17, 2016Inventor: Manu Kurian
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Publication number: 20160335645Abstract: Methods and systems for predicting content consumption are provided herein. An application log of a user, comprising a user's application data, and a viewing log of the user, comprising the user's viewing data (e.g., television programs watched by the user), may be evaluated over a time period to construct a model. The model may comprise a correlation between the viewing log and the application log during the time period (e.g., what applications the user interacts with while watching a program). Second application data, regarding application usage of a second user, may be extracted. The model may be applied to the second application data to identify an expected viewing action of the second user (e.g., what program the second user is likely to watch during the time period based upon applications used by the second user). The second user may be provided with content related to the expected viewing action.Type: ApplicationFiled: May 12, 2015Publication date: November 17, 2016Inventors: Christian Holz, Frank Richard Bentley, Ayman Farahat
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Publication number: 20160335646Abstract: Systems and methods for tracking media content consumption and developing a media content consumption database are disclosed. Media purchase data is received and analyzed to determine media content items purchased in individual media content transactions. The media content transactions are compared to payment account data to determine a corresponding account number. The media content items purchased and corresponding account number are then stored in a media content consumption database.Type: ApplicationFiled: May 15, 2015Publication date: November 17, 2016Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Justin X. Howe
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Publication number: 20160335647Abstract: Systems and methods having a graphic user interface for market research surveys are provided that allow users to participate in a combined prediction market and market research environment virtually without being presented directly with a stock market environment. The systems and methods of the present invention use prediction markets to automatically transform the user-provided inputs and/or selections from market research surveys, and automatically generate data that represents the likelihood of success of a product and/or service in the marketplace or commercial markets.Type: ApplicationFiled: July 25, 2016Publication date: November 17, 2016Applicant: Consensus Point, Inc.Inventors: Linda REBROVICK, Brian HOGUE, Brad WILSON, Jason VOWELL
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Publication number: 20160335648Abstract: A system and method defining advertiser's objectives and measure performance of various components of a marketing engagement along those objectives to drive actions. One may measure the performance of different audience groups being exposed to the said campaign or may measure the performance of different publishers who participate in the campaign. The measures can be used in audit, evaluation, and investment decision making among others. Input datasets, computes several relevant metrics such as the IF-level population and the latent conversion rate among others are processed for evaluation, and the result are delivered in a designated way. The method further provides various outputs on demand, and it may provide a conversion-fountain graph separating conversions due to random audience behaviors and due to impact of advertising. It provides an I2 plane that categorizes publishers or audience groups among others and suggests future marketing decision with respect to their past conversion performance.Type: ApplicationFiled: May 11, 2015Publication date: November 17, 2016Applicant: GROUPM WORLDWIDE LLCInventors: Saeed R. Bagheri, Joong Bum Rhim