Abstract: A card payment network handles a payment card account system transaction. The transaction involves a merchant and was acquired by a transaction acquirer. The card payment network initiates an electronic funds transfer to credit the merchant's bank deposit account on behalf of the transaction acquirer.

Abstract: An authentication system and method of use thereof are provided to authenticate a user involved in a transaction. The system comprises a communications interface configured to receive a one-time code generated by an electronic device, wherein the one-time code is generated by an electronic device responsive to successful verification of biometric information at the point of use of the electronic device, and one or more processors configured to retrieve account information associated with a user of the electronic device, wherein the account information is retrieved in response to receiving the one-time code, and to use the retrieved account information to access account identifying information or identifying information associated with the user of the electronic device.

Abstract: An authentication system and method of use are provided to enable a transaction involving a first party and a user, the system comprising an electronic device comprising a communications interface and one or more processors. The one or more processors are configured to receive biometric information of the user and generate a one-time code in response to authenticating the user, wherein at least a portion of the one-time code is used to access account identifying information or user identifying information, wherein the communications interface is configured to communicate a signal comprising the one-time code to the first party in order to enable a transaction on behalf of the user, and wherein the received biometric information is verified at a point of use.

Abstract: Embodiments rotate data by tokenization. Embodiments determine one or more check data fields of a check such as check number and routing number; generate a PIN based on the determined check data fields; receive user input of a user PIN; compare the generated PIN with the inputted user PIN; if the generated PIN matches the inputted user PIN, proceed with the transaction; and if the generated PIN does not match the inputted user PIN, cancel the transaction. In some cases, a point of sale terminal comprising a scanner for scanning the check to determine the one or more check data fields. In some cases, receiving user input of the user PIN comprises receiving, by a communication device of the system from a mobile device of the user, a text message, SMS message or phone call comprising the user input of a user PIN.

Abstract: There is provided a computer-implemented method for securing a transaction. The method comprises receiving or determining 193 a plurality of sub-charges associated with the transaction; and determining 195 a password to secure completion of the transaction based on the plurality of the sub-charges.

Abstract: A payment processing method involves a server receiving a payee identifier, and linking the payee identifier to a device identifier identifying a payee device. The server receives from a payor device a payment initiation request identifying a specified payment amount and a payor identifier, links a unique token to the specified payment amount and to the payor identifier, and provides the payor device with the token. The token excludes the payor identifier and particulars of the associated payor. The server receives a payment completion request including the payee identifier and the token, and excluding the payment amount, the payor identifier and payor particulars. The server uses the payee identifier to confirm that the payment completion request was signed with the device identifier, uses the payee identifier to locate a payee account, and uses the token to determine the specified payment amount and a payor account associated with the payor identifier.

Abstract: A commodity purchase system is disclosed that allows a consumer to pre-purchase a commodity at a discounted price without taking delivery at the time of the purchase. The discount takes into account the unit regional wholesale gasoline price for the region at the time of purchase as well as local taxes and local fees which can vary in different locales. In this way, a wholesaler can offer a commodity purchase card with or without a discount that can be used in all regions of a geographical area, such as the US, even though the local taxes, local fees and the regional unit gasoline price varies. The commodity purchase system allows a purchaser to purchase a commodity that is attractive to wholesalers without any geographical constraints.

Abstract: A computerized method for providing a seamless transition between a first device with a first display size and a second device with a second display size during a purchasing transaction. A transaction server receives authentication information of a user from a first device. The transaction server stores the authentication information and further receives a potential authentication information from the user captured by a second device. The transaction server compares the potential authentication information to the authentication information. The transaction server determines whether the potential authentication information matches the authentication information. The server transmits a response to the second device in response to the determining. In response to the transmitted response being a successful verification of the potential authentication information, the transaction server receives a transaction request from the first device to complete the purchasing transaction at the transaction server.

Abstract: A mobile payment system (MPS) is disclosed that enables transactions for MPS users using user devices, and interfaces with third party payment systems with third party user accounts. The MPS includes MPS frontends, third party MPS accounts, and a MPS backend including a MPS backend account, a MPS database and MPS user accounts. Each MPS frontend is located on one user device and is associated with one MPS user. At least one of the third party MPS accounts is on each third party payment system. Each MPS user account is associated with at least one MPS user. A particular MPS frontend performs local processing of MPS functions on its user device and communicates over networks with the MPS backend and with other MPS frontends on other user devices. The MPS backend administers funds in the MPS backend account, the MPS user accounts, and the third party MPS accounts.

Abstract: A system having a payment-credential logic; a software application; wherein when an authorized person verifies an identity of a mobile customer using a government identification document, the payment-credential logic is then activated, the payment-credential logic is configured to create payment-credential information and to cause the payment-credential information to be stored for future access, wherein the payment-credential logic is configured to provide a way for the software application to be loaded into a mobile customer device, wherein the software application is configured to allow the mobile customer device to access the payment-credential information for one or more future monetary transactions.

Abstract: A method for initiating a time- and geographic-based electronic transaction includes: storing, in a mobile computing device, payment details associated with a transaction account; receiving a payment zone notification upon entry of the mobile computing device into a predefined geographic area, the notification including payment terms; registering a first timestamp upon receipt of the notification; displaying the payment terms; receiving an indication of approval of the payment terms; receiving an exit notification upon exit of the mobile computing device from the predefined geographic area; registering a second timestamp upon receipt of the exit notification; calculating a transaction amount based on an elapsed amount of time between the first timestamp and the second timestamp and a payment rate; and transmitting the calculated transaction amount and payment details.

Abstract: The proposed solution in particular relates to a computer-implemented method to identify user computing device locations based on location data and beacon signal strength in which a user computing device receives a beacon signal comprising a beacon device identifier from a beacon device via a wireless network scan and determines that a second location of the user computing device is within a geofence boundary and is less than a predefined distance from a location of the beacon device based on a beacon signal strength of the beacon device. The beacon signal strength is based on at least one of the received beacon signal and further signals received from the beacon device via the wireless network scan.

Abstract: A system and method for distributing incentives via mobile devices is described. One embodiment, a computer-server-based method, receives a request from a merchant to generate an incentive which incentive is funded and initiated by the merchant, receives the incentive, associates the incentive with a recipient's phone number, and transmits a notification of the incentive to a mobile device associated with the recipient's phone number, the computer server acting as a server-side wallet for the incentive, the incentive being usable, through interaction with the computer server, by the recipient for the purchase of goods or services from the merchant associated with the incentive.

Abstract: Techniques for enhancing the security of a communication device may include providing an application agent and a transaction application that executes on a communication device. The application agent may receive, from the application, a cryptogram key generated by a remote computer, and store the cryptogram key on the communication device. When the application agent receives a request to conduct a transaction from the application, the application agent may generate a transaction cryptogram using the cryptogram key, and provides the transaction cryptogram to an access device.

Abstract: A payment information processing method is disclosed. The method includes detecting a preset operation for a user interface; displaying a new window on the user interface, the new window including one or more payment application identifiers; selecting a payment application identifier in the new window; and displaying payment information corresponding to the selected payment application identifier on the user interface, thus implementing a convenient means of making a payment without interrupting a current operation of the user, and greatly improving the user experience.

Abstract: An RFID magnetic field powered translating device that acts as a gateway between mobile devices and radio frequency identification (RFID) enabled readers. The gateway enables the portable device to emulate access credentials for physical access, computer credentials, licenses and payment cards using Bluetooth communication between the portable mobile device and translating device; and RFID emulation at either 125 khz or 13.56 MHz between the translating device and the RFID reader.

Abstract: A smart multi card, and a method for issuing card data for a smart multi card. The smart multi card includes a first storage unit storing one or more pieces of first encryption data and seed data. The first encryption data generated by performing a first encryption of specific card information or alternative information corresponding to the card information. A second storage unit for storing card related data including storage location data of the specific first encryption data and seed data in the first storage unit. A user input unit for receiving a user's operation. A first control unit for generating token data by performing a second encryption of the first encryption data corresponding to the selected card using the seed data. A second control unit for making a request to the first control unit for the token data. A card data output unit for externally outputting the token data.

Abstract: A method and apparatus for sending security information are disclosed. The method is performed by a terminal that performs operations, which may include: during a current transaction, receiving first transaction data coming from an electronic device with which the terminal is co-operating; detecting an event encountered by the terminal during the current transaction; generating a transaction message including an indicator indicating that the first data is included in a field of the message; inserting security information in the field of the transaction message as a replacement for the first transaction data, the security information being representative of the event; and sending the transaction message including the security information to a remote server.

Abstract: Technologies for device commissioning include a rendezvous server to receive, from a buyer device, a request to transfer ownership of a compute device to the buyer device. The rendezvous server verifies the provenance of the compute device based on a block chain and establishes a secure session with the compute device in response to verification of the provenance. The block chain identifies each transaction associated with ownership of the compute device.

Abstract: The object of the invention is to provide a secure detachable utility monitoring device to be appended to a utility metering apparatus for controlling at least one utility usage consumption. This is achieved thanks to a detachable metering monitoring device to be connected with a utility meter for controlling at least one utility consumption metered by said utility meter comprising: means to acquire a utility consumption value metered by said utility meter, a first memory to store at least a unique identifier ID and a personal key, both pertaining to said device, means to generate a cryptogram from information data comprising at least the utility consumption value, said cryptogram being encrypted with said personal key, means to generate an information message including at least said cryptogram and the unique identifier ID, means to send the information message to a remote management center.

Abstract: A method includes receiving a funds transfer request. The request includes an alias character string. The request is for requesting a funds transfer. The alias character string is translated to payment routing information. The payment routing information specifies a recipient's financial institution deposit account. The funds request is routed via a payment network for the purpose of being credited to the specified deposit account.

Abstract: Embodiments of the present invention provide systems and methods of generating a secure transaction, particularly when the transaction is made using a mobile computing device. This is achieved by eliminating the need for cryptographic keys to be stored on the mobile computing device, by firstly creating a strong link between users and their devices, and storing this pre-defined link with a trusted authentication service (i.e. in a secure backend payment system), and secondly using the pre-defined link between user and device to generate a unique, electronic or digital signature for a transaction which will authorise a payment, wherein the digital signature having been generated by using authentication information comprising a first authentication identifier and a second authentication identifier.

Abstract: A method of facilitating the exchange of data between a user having a computing device, and a remote entity, where a first connection has been established between the user and the remote entity, and where the user has associated data exchange information with an application on the computing device, the data exchange information defining properties of the data to be exchanged between the user and the remote entity.

Abstract: A system, apparatus, and method for processing payment transactions that are conducted using a mobile payment device that includes a contactless element, such as an integrated circuit chip. The invention enables one or more of the operations of activation of a payment application, transfer of transaction data, updating of account records, setting or re-setting of a payment application counter or register, or transfer or processing of a script, command, or instruction, with these functions being performed with minimal impact on a consumer. This is accomplished by introducing a pre-tap and/or two-tap operation prior to, or as part of, the transaction flow.

Abstract: Described herein is a system for generating a master token to be associated with a set of tokens. In some embodiments, a number of tokens may be obtained by a communication device, which may be provided to a primary authorization computer. The primary authorization computer may generate a master token to be associated with each of those tokens. When the master token is used to complete a transaction, an authorization request may be received by the primary authorization computer that includes the master token. Upon receiving this, the primary authorization computer may obtain approval from a number of secondary authorization computers associated with the tokens, and may generate an authorization response based on those approvals.

Abstract: A computer-implemented transaction routing system including: a rule engine operative for receiving a flow of transaction data entities, using a processor for applying pre-imposed routing rules and determining routing of each data entity for which at least one pre-imposed routing rule is true to an external payment processor selected using the pre-imposed routing rule; and a transaction processing analyzer operative to accumulate data characterizing current handling by respective payment processors of at least transaction data entities routed to the respective payment processors by this system to maintain, by using a processor to compute, from the data, current statistics quantifying at least one handling aspect quality characterizing each of the plurality of supported payment processors, and to route at least each transaction data entity for which no pre-imposed routing-rules are true to a “best” payment processor selected by applying predetermined aspect combining criteria which prioritize the aspects to the

Abstract: A network builder (NB) computing device for building a peer network used to authenticate suspect payment transactions and thereby improve data security over a payment network is provided. The NB computing device includes a processor in communication with a memory. The processor retrieves candidate historical transaction data for a candidate cardholder including a first plurality of historical data elements and retrieves model historical transaction data for a plurality of model cardholders including a second plurality of historical data elements. The model historical transaction data includes previously authenticated and authorized payment transactions. The processor compares the candidate historical transaction data to the model historical transaction data, identifies matching historical data elements, and builds a first peer network between the candidate cardholder and a first set of model cardholders associated with the matching historical data elements. The first peer network is stored in the memory.

Abstract: A computer-implemented method for assuring identity information representing identity of an entity is provided. The method determines (210) that a payment is made to a payment recipient using an account associated with the entity. The identity information of the entity is determined (220). A type of the payment recipient is determined (230). The method determines (240) a level of assurance associated with the identity information based on the type of the payment determining that a payment is made to a payment recipient.

Abstract: A method includes applying at least one fraud management machine learning algorithm to a corpus of payment card account transactions. A fraud management profile is built for a payment account holder who performed the payment card account transactions. After the algorithm is applied, the account holder is issued access to perform EFT (electronic funds transfer) transactions via an EFT network switch. The EFT transactions are initiated by the account holder at payment card account acceptance points. The EFT transactions are funded by a bank deposit account owned by the account holder. The fraud management profile is applied to perform fraud management review of the EFT transactions.

Abstract: A fraud prevention system is disclosed for preventing fraudulent activity on user accounts, the fraud prevention system interacting with a transaction tracking system for allowing association of transactions with user-defined categories. The fraud prevention system may include a computer memory including at least one database storing system settings specifying account-related events that require fraud prevention action and user-defined settings specifying account-related events that require fraud prevention action, wherein at least one of the user-defined settings pertains to events falling in one of the user-defined categories.

Abstract: One embodiment of the invention is directed to a computer-implemented method comprising, receiving an indication that an avatar of a user has initiated a transaction in a virtual reality environment. The method further comprises obtaining a first biometric sample from the user interacting with the virtual reality hardware. The method further comprises generating a partial biometric template based at least in part on the first biometric sample. The method further comprises providing the partial biometric template and personal authentication information for the avatar to an authentication computer where the personal authentication information and the partial biometric template are used to authenticate the avatar.

Abstract: The present invention seeks to offer a system and method for recognizing patterns in key value identifier strings and seeks to provide a method for generating new unique key value identifier strings which follow pre-established patterns allowing users to keep a uniform format and simplify the future generation of key value identifiers.

Abstract: The present invention provides a method for evaluating customer value, comprising: establishing a merchant database and cardholders' characteristics libraries, and there being an association relationship between the customer set of the merchant database and the cardholders' characteristics library, such that the data corresponding to a card number may be indexed from the cardholders' characteristics libraries by use of the card number in the customer set; upon receiving a processing request for the cardholder's transaction data, the switching platform processes the transaction data, while acquiring the cardholder's card number and an identity of the merchant which the cardholder consumes at; with the cardholder's card number and the merchant identity, acquiring a characteristics data related to the cardholder from the cardholders' characteristics libraries, and acquiring a data related to the merchant which the cardholder consumes at from the merchant database; determining a basic value information of the car

Abstract: To provide a safety management system capable of appropriately delivering, to a user, a variety of safety information necessary for a product to be safely used and preserved, etc. [Solution] An address acquisition unit of a communication terminal acquires a web address corresponding to a product by optically reading the recognition code of the product. An information processing unit of the communication terminal accesses an information provision server by using the web address and acquires safety information. An information storage unit of the information provision server stores multiple kinds of safety information about each product, the information provision server appropriately selecting, on the basis of a prescribed selection criterion, any safety information from among the plurality of safety information pertaining to the product, and transmitting the selected safety information to the communication terminal.

Abstract: A network of modular, multitier user's device (mobile unit) that identifies wear, tear and stains, and repairs and refurbishes indoor and outdoor of a house or building using historical data. The user's device also provides interior decoration and designing support, and supports bidding from the handymen or repair contract companies as well. In addition, the user's device supports subsequent promotions and sales, walls and floor underground mapping. A tier 3 user and manufacturer cloud based systems and services provides support for a plurality of the user's devices, to perform abovementioned functionalities. In addition, a tier 3 handyman/repair contract company server and tier 1-2 handyman/repair contract company device provide, sales and after sales support for the user's devices. Moreover, the infrastructure also provides layer based mapping services and supports an augmented reality presentation for the authorized people.

Abstract: Systems, apparatuses, and methods are provided herein for providing customer service agent assistance. A system for providing customer service agent assistance comprises a customer profile database storing customer partiality vectors for a plurality of customers, the customer partiality vectors comprise customer value vectors, a communication device, and a control circuit. The control circuit being configured to: provide a customer service agent user interface on a user device associated with a customer service agent, associate a particular customer with the customer service agent, retrieving at least one customer value vector for the particular customer from the customer profile database, and cause, via the communication device, the at least one customer value vector of the particular customer to be displayed on the customer service agent user interface of the user device.

Abstract: A vehicle weight detection method, system, and non-transitory computer readable medium, include calculating a first difference between a first expected weight of a vehicle and a first current weight of the vehicle based on On-Board Dash (OBD) input data, calculating a second difference between a second expected weight of the vehicle and a second current weight of the vehicle based on a spring-mass-damper mechanical algorithm using vehicle data received from a user device, a comparing circuit configured to compare each of the first difference and the second difference to a predetermined weight difference threshold value, and a location checking circuit configured to checks if a location of the vehicle matches a location in a list of verified weight change locations of a database if the comparing circuit detects at least one of the first difference and the second difference is greater than the predetermined weight difference threshold value.

Abstract: Briefly, an intelligent label is associated with a good, and includes one or more permanent and irreversible electrochromic indicators that are used to report the condition of that good at selected points in the movement or usage of that good. These electrochromic indicators provide immediate visual information regarding the status of the good without need to interrogate or communicate with the electronics or processor on the intelligent label. In this way, anyone in the shipping or use chain for the good, including the end user consumer, can quickly understand whether the product is meeting shipping and quality standards. If a product fails to meet shipping or quality standards, the particular point where the product failed can be quickly and easily identified, and information can be used to assure the consumer remains safe, while providing essential information for improving the shipping process.

Abstract: An information assemblage that includes a plurality of assets can be created and disseminated to a target audience. For instance, a target device can access the information assemblage via a secure web-based portal. Feedback corresponding to consumption of the information assemblage can be received. Based upon the feedback, a compliance measurement can be generated. Additionally or alternatively, suggestions can be yielded as a function of the feedback. For example, the suggestions can relate to forming an information assemblage, determining how to evaluate compliance from feedback based on the information assemblage, or supplying supplemental asset(s) to a target device.

Abstract: The invention provides a method and system for identifying, aggregating and transforming emotional states of a user using a temporal phase topology framework. Firstly, the method captures an emotional state of the user through one of a direct selection, a combination of sensors and one or more digital assets. The method, then, determines an emotional phase state corresponding to the emotional state of the user by performing a valence assessment, a phase assessment and a composite assessment of the captured emotional state. Thereafter, the method either aggregates a group of emotional phase states captured over a period of time to determine a medial emotional phase state or transforms the emotional phase state to a target emotional phase state and provides one or more recommendations or suggestions based on a selection of a stimulus categorized in accordance with the temporal phase topology framework corresponding to the target emotional phase state.

Abstract: A computer-implemented method and apparatus for assessing customer value of a customer based on customer interactions with advertisements are disclosed. An initial estimate of a customer value for a customer currently active on a Website related to an enterprise is determined. An estimate of an advertisement spend related to the customer and a propensity of the customer to perform an action in response to an advertisement displayed on the Website is also determined. A revised estimate of the customer value is generated by revising the initial estimate of customer value based on the estimate of advertisement spend related to the customer and the propensity of the customer to perform the action. The revised estimate of customer value is used to facilitate engagement with the customer on the Website.

Abstract: A distributed model generation system includes a master node that estimates parameter sets for a topic classification (TC) model. The estimated parameter sets are loaded into a queue. Multiple training nodes download the estimated parameter sets from the queue for training associated TC models. The training nodes generate model performance values for the trained TC models and send the model performance values back to the master node. The master node uses the model performance values and the associated parameter sets to estimate additional TC model parameter sets. The master node estimates new parameter sets until a desired model performance value is obtained. The master node may use a Bayesian optimization to more efficiently estimate the parameter sets and may distribute the high processing demands of model training and testing operations to the training nodes.

Abstract: Systems, methods, and computer program products for mining search query logs. A data warehousing system includes a query database that stores data relating to search queries, a reservation history database that stores data relating to booked products, and a data warehousing application that extracts and processes the search query and booking data from the query and reservation history databases to produce statistical data. The data warehousing application generates historical query, booking, and specific flight booking pickup curves based on the extracted statistical data. A weighted average of the historical query and booking pickup curves is determined that provides a best fit with the flight specific pickup curve. A weighting factor that produced the best fit is then used to forecast demand for future flights.

Abstract: The present disclosure relates to a method for predicting an order value. The method includes: obtaining information, wherein the information includes a historical order; determining an attribute feature of the historical order based on the information; and predicting the order value based on the attribute feature. The present disclosure also relates to a system for predicting the order value. The system includes a receiving module and a processing module, wherein the processing module is configured to predict the order value.

Abstract: Techniques are described for iteratively adjusting data processing decision results in accordance with rules. In some implementations, the applied rules may be data ethics rules associated with particular demographic groups, such as users in a particular geographic location, users in a particular age range, and so forth. The rules may describe the manner in which data, such as data that describes or identifies individuals, is collected, stored, analyzed, applied, manipulated, and/or destroyed. The various stages of data handling may be described as a data supply chain, and a set of rules may apply to the handling of data at one or more stages of the data supply chain. The rules may enforce data privacy considerations and/or other types of constraints on data handling.

Abstract: A method for award identification based on transactional behavior and interests comprising: identifying a subset of transaction data entries stored in the transaction database, wherein each transaction data entry in the subset includes the transaction account; determining, when the subset of transaction data entries exceeds a predetermined threshold; qualifying, the transaction account for an entry into a random drawing; identifying, winning transaction account from the plurality of transaction accounts that were entered into the random drawing; identifying at least one set of interest characteristics for the winning transaction account by: querying the demographic database and the profile database to identify, from an award database, a surprise based on the life stage and specific identified area of special interest of the consumer; and transmitting notice of the identified surprise to a computing device of the consumer.

Abstract: A computer implemented electronic computer system using a blockchain method for creating, distributing, validating, and redeeming a secure electronic smartcoupon. A smartcoupon transaction record is highly secure and may comprise embedded business rules that define the requirements that consumers and retailers must meet for the smartcoupon to redeemed. Consumers may save or hold smartcoupons in a variety of different digital wallets. Retailers may redeem through their POS system by evaluating the embedded business rules in the smartcoupon against the consumer's purchase basket and if valid, completing the redemption process by publishing a redemption token to smartcoupon transaction record on the Blockchain database.

Abstract: The Permission Marketing invention involves the distribution of merchant coupons, discounts, enticements, rewards, and up-front incentives sent via a mobile communication channel, post purchase to a consumer's mobile device. Enrollment is automatic once the consumer registers at least one credit or debit card using a card control application. Rewards are incentives earned by a consumer for using his account on a regular basis and/or in a particular way. The reward frequency and value offered provided by a merchant is dependent on the frequency, amount, and products purchased by a consumer. Merchants desire to increase earnings by encouraging consumers to make purchases with their company rather than a competitor. This invention outlines an improved and effective system and method for encouraging the use of a reward system as a catalyst for consumer merchant selection.

Abstract: A system and method for operating a reward points accumulation and redemption program wherein a user earns rewards from a plurality of independent reward issuing entities, with each tracking the user's earned rewards. A trading server accumulates some or all of the user's earned rewards from the reward servers and credits the accumulated rewards into a single reward exchange account associated with the user. The user may then select an item for purchase with the accumulated rewards. The item is provided to the user in exchange for a subset or all of the rewards. Reward points may also be redeemed in exchange for services, such as the playing of a video game or Internet access.

Abstract: A method for engaging a message recipient includes receiving, by a computer system for a recipient, a message having a collectible associated with at least one predetermined area of the message, wherein the at least one predetermined area has been selected by a sender. The method further includes detecting, by the computer system, that the recipient has viewed the at least one predetermined area of the message and awarding the collectible to the recipient by the computer system, so that the recipient can use the collectible in a transaction, wherein the awarding is responsive to the detecting of the viewing of the at least one predetermined area of the message.