Patents Issued in September 20, 2018
  • Publication number: 20180268368
    Abstract: A method may comprise: receiving, by a front-end transaction central server, a browse request for browsing detailed information of a combined merchandise object, and acquiring stock information of each sub-merchandise object, respectively; if a target physical warehouse has a physical stock of at least one first sub-merchandise object and no physical stock of at least one second sub-merchandise object, and if a target virtual negative sale warehouse corresponding to the target physical warehouse has a virtual negative sale stock of the at least one second sub-merchandise object, providing salable information of the combined merchandise object; and when a request for buying the merchandise object is received, generating a transaction order, and determining the target physical warehouse as a prerouting warehouse of the first sub-merchandise object, and determining the target virtual negative sale warehouse as a prerouting warehouse of the second sub-merchandise object.
    Type: Application
    Filed: May 17, 2018
    Publication date: September 20, 2018
    Inventors: YUEYANG CHEN, HAO JIANG
  • Publication number: 20180268369
    Abstract: This disclosure relates to a system, method, and computer-readable device configured to receive demographic and geographical information and create a unique global address therefrom. For example, the system comprises at least one processor configured to receive account information describing the remote user and global location data describing a remote location, validate the received information and data, determine navigational data, create a location code, and send the location code to a remote device.
    Type: Application
    Filed: March 16, 2017
    Publication date: September 20, 2018
    Inventor: Sarwar Pedawi
  • Publication number: 20180268370
    Abstract: A system and method that provides for the routing and delivery of services to consumers by providers is disclosed. The system enables providers to advertise and list the products and services they provide, and customers to solicit bids or to otherwise seek to engage a provider to perform a service or from whom to purchase a good. The system may store customer and provider information in databases to be searched to identify a match between customer and provider. The system transmits navigation information to the provider's device to travel to the final destination. The navigation information includes an intermediary destination the provider must reach before being presented with the final destination. The system may include a notification feature to notify a customer or third party regarding the location of the provider or the status of a requested service or delivery.
    Type: Application
    Filed: March 13, 2018
    Publication date: September 20, 2018
    Inventor: Shawn Fallah
  • Publication number: 20180268371
    Abstract: This disclosure considers a vehicle routing problem with pickup and delivery, time windows, and location resource constraints. Locations provide a number of cumulative resources that are utilized by vehicles either during service (e.g., forklifts) or for the entirety of their visit (e.g., parking bays). The problem is highly challenging from a computational standpoint as the resource constraints add temporal dependencies between vehicles and a scheduling substructure not featured in traditional vehicle routing problems. The main contribution of this disclosure is a branch-and-price-and-check model that incorporates a branch-and-price algorithm that solves the underlying vehicle routing problem, and a constraint programming subproblem that checks the feasibility of the location resource constraints, and then adds combinatorial nogood cuts to the master problem if the resource constraints are violated.
    Type: Application
    Filed: March 14, 2018
    Publication date: September 20, 2018
    Inventors: Pascal VAN HENTENRYCK, Edward LAM
  • Publication number: 20180268372
    Abstract: A process management tool (PMT) brings together the functionalities of rigid, system-enforced workflow orchestration and user-driven, task-centric collaboration space. The PMT allows a user to store their work artifact in their preferred repositories or file sharing services. Users share the work artifact via the PMT, which connects an invited participant in a specific role associated with the work artifact. The PMT forms a microflow by creating a context on top of the work artifact relating the work artifact to actions and persons. Microflow templates facilitate existing work practice without requiring time-consuming and expensive integration projects or workflow modeling.
    Type: Application
    Filed: March 14, 2018
    Publication date: September 20, 2018
    Inventor: Tim Bussiek
  • Publication number: 20180268373
    Abstract: A method, system and computer program product for determining key professional skills and personality traits for a job is disclosed. A computer-implemented method is provided that comprises analyzing organization and industry data to identify one or more job-specific attributes associated with a job. A job-specific attributes profile for the job is generated comprising the one or more identified job-specific attributes. The job-specific attributes include one or more professional skills and personality traits that positively influence an outcome of the job.
    Type: Application
    Filed: March 17, 2017
    Publication date: September 20, 2018
    Applicant: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Hari Bheemavarapu, Hemanth Kumar Choudhary Kadambala, Stefan Liesche, John Arthur Medicke, Girish Padmanabhan, Priya Rao, Srikrishnan Sundararajan, Ravi Teja Vadlamani, Venkataramana Veeshagouni
  • Publication number: 20180268374
    Abstract: A method to visually represent change conflicts between a plurality of changes within the network of retail stores on a display of a user device is disclosed. One of a change identifier or a store identifier is received from the user device. The user device is instructed to display a change calendar including a plurality of calendar blocks representing changes for one or more of the retail stores. A request to add or modify a change is received from the user device. The user device is instructed to display the change calendar according to the request. One or more of a color coding or an indicator are displayed to indicate whether a conflict is present between the change of the request and one or more of the other changes for the one or more retail stores.
    Type: Application
    Filed: March 14, 2018
    Publication date: September 20, 2018
    Inventors: Jonathan BJORKMAN, Daniel JOHNSON
  • Publication number: 20180268375
    Abstract: A method and apparatus having local communication with a proximate device; user interfacing with a user of the apparatus; mobile communication with a back-end server; identifying the proximate device using the local communication and receiving status information from the proximate device; presenting to the user an indication of the status of the proximate device; receiving from the user a request for repair or maintenance information relating to the proximate device; signaling with mobile communication to a back-end server an indication of the status of the proximate device, information relating to the user and a direct or indirect indication of properties of the proximate device and to responsively receive from the back-end server corresponding repair or maintenance information; and presenting of the received repair or maintenance information to the user before repair or maintenance of the proximate device is performed according to the repair or maintenance information.
    Type: Application
    Filed: September 16, 2015
    Publication date: September 20, 2018
    Applicant: Nokia Technologies OY
    Inventors: Henri PASSILA, Niko KIUKKONEN
  • Publication number: 20180268376
    Abstract: A facility management system and a method thereof using perspective definition metadata, and more specifically, to a facility management system and a method thereof using perspective definition metadata, in which a perspective definition metadata structure for interconnecting Building Information Modeling (BIM) and external Facility Management (FM) data considering variability and expandability from the perspective of a user is used to improve expandability of the system by extracting information required for the role of the user from diverse heterogeneous data sources so that management and reusability functions of the system can be maximized even after the system is developed.
    Type: Application
    Filed: May 16, 2018
    Publication date: September 20, 2018
    Inventors: Tae Wook KANG, Hyun Sang CHOI
  • Publication number: 20180268377
    Abstract: Some embodiments facilitate remote monitoring of an activity at one or more facilities by a vehicle. Data is received at A communications interface from a remote device that is co-located with the vehicle. The data includes a vehicle identifier and a vehicle location indicator, A zone data record is accessed. The zone data record includes a plurality of zones, each zone having a virtual geographical boundary associated with a physical geographical area including at least one facility. It is determined that the vehicle is located within a zone of the zone data record for a preconfigured period of time based on the vehicle location indicator and the zone data record. Responsive to determining that the vehicle is located within the zone for the preconfigured period, performance of the activity at the one or more facilities by the vehicle is determined.
    Type: Application
    Filed: October 23, 2015
    Publication date: September 20, 2018
    Applicant: South East Water Corporation
    Inventors: Eddy Mofardin, Luke Butler, Claire Pucovski, Adrian Blinman
  • Publication number: 20180268378
    Abstract: A system for evaluating all functions of a mobile phone to benefit recycling purposes includes a robotic arm assembly, a camera test device, a touch test device, and a 3D Touch test device. The camera test device has a backlight screen and a target picture. The touch test device has at least one first stylus for applying input to a touch screen of a mobile phone. The 3D Touch test device has at least one second stylus for applying strong presses to the touch screen of the mobile phone. The robotic arm assembly can also move the mobile phone to enable image-capturing. A method for functionality-testing is also provided.
    Type: Application
    Filed: September 6, 2017
    Publication date: September 20, 2018
    Inventors: EDDY LIU, YU-NAN LIN, WEI-DA YANG, PO-LIN SU, GUO-WEI LIU, QING WANG, JIE-PENG KANG, XIAO-JUN JIANG
  • Publication number: 20180268379
    Abstract: One or more devices, systems and/or methods for managing waste are provided. For example, a waste profile may be generated, based upon inputs received from a first device via a profile interface of a waste data aggregation platform. An approval notice may be received, via an approval interface of the waste data aggregation platform, from a second device. Shipping information may be entered into a plurality of digital forms of a shipping documentation interface based upon the waste profile and/or one or more inputs received from the first device and/or the second device. A shipping order for shipment of the waste may be generated. One or more notifications corresponding to the shipment of the waste may be transmitted to one or more devices associated with the shipment. The waste profile may be analyzed to generate a risk report, a sustainability report, a landfill report, a raw material source report, etc.
    Type: Application
    Filed: March 20, 2018
    Publication date: September 20, 2018
    Inventors: Daniel Paul Collins, Douglas Yoder, Raymond Lewis, Michael Haritakis, Patrick Sullivan
  • Publication number: 20180268380
    Abstract: A system and method for securely and reliably depositing with a Trusted Repository System an authoritative information object executed, using a third, party electronic signing system, or maintained in an intermediary third party storage system having received the original information object from a third, party electronic signing system, such that the TRS may subsequently facilitate electronic transmission, storage, and retrieval of verifiable copies of the stored authenticated authoritative information object without the TRS relinquishing control of the authenticated authoritative information object.
    Type: Application
    Filed: October 3, 2016
    Publication date: September 20, 2018
    Inventors: Stephen F. Bisbee, Bryan K. Caporlette, Adam J. Attinello, Valerie F. Daly
  • Publication number: 20180268381
    Abstract: A communications network includes a plurality of devices connected to a first network, the devices including a point-of-sale terminal, a wireless hand-held terminal, and a wireless access point by which the wireless hand-held terminal is connected to the first network, a router that connects the first network to a second network, a plurality of user terminals connected to the second network, including first and second user terminals, and a server connected to the second network, wherein the server is configured to communicate with the wireless hand-held terminal to receive group data, generate first and second user interfaces from the group data, transmit the first and second user interfaces to the first and second user terminals, respectively, and responsive to inputs made through the first and second user interfaces, generate and transmit to the point-of-sale terminal first transaction data for the first user and second transaction data for the second user.
    Type: Application
    Filed: March 12, 2018
    Publication date: September 20, 2018
    Inventor: Shunichiro KAMAMOTO
  • Publication number: 20180268382
    Abstract: Methods and systems for using blockchain digital currency are provided herein. The methods and systems comprise a blockchain digital currency that is created and utilized on a permission-based network of financial institutions. The blockchain digital currency is created by a central authority and minted into circulation by banks within the network, and is backed by reserves of real world currency of any country. The digital currency can be used for any type of financial transaction, and the system provides security, trust, traceability and a detailed audit trail for all transactions.
    Type: Application
    Filed: March 20, 2018
    Publication date: September 20, 2018
    Inventor: Steven Victor Wasserman
  • Publication number: 20180268383
    Abstract: An electronic device according to various example embodiments includes: a memory storing instructions; a wireless communication circuit; and at least one processor, electrically coupled to the memory and the wireless communication circuit, configured to execute the stored instructions to: receive, from a first external electronic device, a first message for indicating that a first transaction is completed; determine at least one web address including a domain name associated with the transaction, among a plurality of web addresses accessed, by the electronic device, during an interval determined based on a timing at which the first message is received; determine information regarding an item of the first transaction by parsing data regarding at least one web document associated with the at least one web address; and transmit, to the first external electronic device or a second external electronic device, information regarding the item of the first transaction.
    Type: Application
    Filed: February 21, 2018
    Publication date: September 20, 2018
    Inventors: Younghoon Kim, Hyunjoong Kim, Sang Chul Baek, Dong-Ho Jang
  • Publication number: 20180268384
    Abstract: An electronic apparatus includes a communication interface, a memory storing instructions, and a processor. The memory stores instructions that cause the processor to control the communication interface to transmit, to a first server located outside the electronic device, a signal requesting the first server to create a virtual account for an external electronic device, based on identification information of the external electronic device and based on a split payment amount that is allocated to the external electronic device.
    Type: Application
    Filed: March 16, 2018
    Publication date: September 20, 2018
    Applicant: SAMSUNG ELECTRONICS CO., LTD.
    Inventors: Jae-ho JUNG, Ji-hoon PARK, Tae-wook AHN, Won-jin HUR
  • Publication number: 20180268385
    Abstract: A method for integration of merchant transaction services includes: storing a plurality of merchant profiles, each including a keyword, merchant data, communication data, and requested data fields; receiving a data message from a computing device; identifying a specific keyword based on the data message; identify merchant profiles that include the specific keyword; identifying data values corresponding to the requested fields included in the identified merchant profiles; transmitting a confirmation request to the computing device including the merchant data included in each identified merchant profile; receiving a confirmation notification from the computing device indicating one of the identified merchant profiles; and transmitting a transaction notification to a merchant related to the indicated merchant profile using the communication data included therein, wherein the transaction notification includes the identified data values.
    Type: Application
    Filed: March 20, 2017
    Publication date: September 20, 2018
    Applicant: Mastercard International Incorporated
    Inventor: Saravana Perumal SHANMUGAM
  • Publication number: 20180268386
    Abstract: A method of providing a cryptographic platform for exchanging information includes identifying a first information transaction stored within a blockchain sequence that provides a mathematically verifiable record of information transactions. The first information transaction includes a first information transaction identifier, associated with the first party such that the first information transaction identifier provides identification of the information transferred to the first party and stored within the blockchain, and a first information payload. The first information transaction is identified based on the first information transaction identifier, to provide a first information identifier that includes a hash of the first information payload.
    Type: Application
    Filed: September 13, 2017
    Publication date: September 20, 2018
    Inventors: C. Jay Wack, Edward M. Scheidt
  • Publication number: 20180268387
    Abstract: A device in a payment transaction handoff system may include at least one processor configured to receive a request to perform a payment transaction and identify, using a first communication protocol, a respective device identifier of each of a plurality of proximate devices. The at least one processor is configured to select, based at least in part on a payment factor, a default payment device from the plurality of proximate devices. The at least one processor is configured to transmit, via a second communication protocol, a message to perform the payment transaction, the message comprising the device identifier of the default payment device. In one or more implementations, a first device of the plurality of proximate devices may be associated with a first user account and a second device of the plurality of proximate devices may be associated with a second user account, different from the first user account.
    Type: Application
    Filed: March 15, 2018
    Publication date: September 20, 2018
    Inventors: Bob BRADLEY, Marc J. KROCHMAL, William M. BUMGARNER, Vijay SUNDARAM, Margaret A. MOORE, Nicholas J. SHEARER, Brandon J. KIEFT
  • Publication number: 20180268388
    Abstract: A computer-implemented method for displaying a plurality of bill due dates, the method comprising: displaying an account identifier for each bill in the plurality of bills; showing a timeline with a due date indicator for each bill in the plurality of bills, the timeline disposed proximate to the account identifier; and wherein each of the account identifiers and timelines are disposed along an axis relative to the other account identifiers and timelines
    Type: Application
    Filed: May 21, 2018
    Publication date: September 20, 2018
    Inventors: Marlin C. Lefebvre, Lucas Wiman
  • Publication number: 20180268389
    Abstract: A process of conducting a contactless payment in an online transaction comprises initiating, at a computer-based system, an online transaction based on a consumer selection, transmitting, from an RF device, consumer information to the computer-based system. The consumer information may provide at least one of shipping information, account information, and billing information for completing the online transaction. Further, the method includes populating a check-out screen with consumer information from the radio frequency device. The consumer is able to confirm the online transaction and associated information prior to submission for processing. In various embodiments of conducting the contactless payment of an online transaction, the RF device may be at least one of a transponder, a mobile phone, a smart phone, or a fob. The contactless-enabled device may at least one of a desktop computer, a laptop computer, a tablet computer, a notebook computer, a mobile phone, or a smart phone.
    Type: Application
    Filed: May 24, 2018
    Publication date: September 20, 2018
    Inventors: Brian Brendell, I-Hsin Chuang, Carlos Korten, Nicole Lewis
  • Publication number: 20180268390
    Abstract: Within EMV payment specification, use of an unattended terminal to accept a payment is allowed. Creating a device that has both EMV level 1 (L1) and level 2 (L2) payment components combined with a virtual merchant creates a “card present” transaction for an on-line or e-commerce merchant. This device can be called a personal Point of Sale (pPOS). This specification discloses pPOS devices and methods that can provide for card present e-commerce transactions with a payment kernel that is local and/or remote to a pPOS device. In some embodiments, a pPOS device can include only a secure microcontroller function (MCF) and a secure element, wherein a payment kernel configured to process payment is local, remote, or split between local and remote to the device. In some embodiments, a pPOS device can further include a reader, a sensor switch, and/or a user interface function.
    Type: Application
    Filed: March 19, 2017
    Publication date: September 20, 2018
    Inventors: Todd Raymond Nuzum, Melissa Hunter, Derek Alan Snell, Patrick Ryan Comiskey, Suresh Palliparambil, Michael Dow
  • Publication number: 20180268391
    Abstract: An information processing device (10), is provided with a merchandise amount estimation unit (14), a number-of-people detection unit (16), and a waiting time estimation unit (18): the merchandise amount estimation unit (14) estimates the amount of merchandise carried by people queuing at a merchandise registration device; the number-of-people detection unit (16) detects the number of people queuing at the merchandise registration device; the waiting time estimation unit (18) calculates a prediction value for the waiting time for each merchandise registration device, on the basis of the amount of merchandise carried by people, and the number of people queuing at the merchandise registration device.
    Type: Application
    Filed: September 15, 2016
    Publication date: September 20, 2018
    Applicant: NEC Corporation
    Inventor: Katsutoshi HAYASHI
  • Publication number: 20180268392
    Abstract: Methods, systems, and machine-readable media are disclosed for providing marketing messages to a mobile device. According to one embodiment, a method of providing one or more marketing messages to a mobile device in a mobile commerce system can comprise receiving at a mobile wallet server a set of information from an acquirer system. The set of information can identify one or more marketing offers. One or more marketing messages can be generated by the mobile wallet server based on the set of information identifying the one or more marketing offers. For example, the marketing messages can comprise Short Message Service (SMS) messages, email messages, or other types of messages. Each of the one or more marketing messages can be sent from the mobile wallet server to one or more mobile devices.
    Type: Application
    Filed: March 13, 2018
    Publication date: September 20, 2018
    Applicant: First Data Corporation
    Inventors: Steven E. Arthur, Christopher L. Toomer, Sarah Owen, Theodore VanDeburg
  • Publication number: 20180268393
    Abstract: A sales management system having an I/O box is provided. The sales management system is electrically connected with peripheral devices and includes a host, an I/O box, peripheral devices, and a cloud server. The cloud server is provided with a web-based web POS system. The host is communicated with the cloud server via a network device. A browser of the host serves as an interface to operate and execute the web-based POS system of the cloud server. Wherein, the I/O box receives an instruction of the web-based POS system to operate one of the peripheral devices, and the I/O box executes the instruction through a driver corresponding to the peripheral device. Through the I/O box, the sales management system can control the peripheral devices with ease. There is no need to install the drivers of various peripherals devises, having the advantage of a cross-platform operating system.
    Type: Application
    Filed: February 9, 2018
    Publication date: September 20, 2018
    Inventor: Kuang Hung CHENG
  • Publication number: 20180268394
    Abstract: A method for performing a cash card transaction. The process includes a point of sale (POS) terminal and an associated reader interfacing with an integrated circuit (IC) card, transmitting a request for a cash card balance stored in the IC payment card, and receiving the cash card balance from the IC card. When the POS terminal determines that the cash card balance is insufficient to cover the transaction amount, it automatically initiates an online load transaction to increase the cash card balance, determines successful completion of the online load transaction, and then requests a transaction certificate to cover the transaction amount from the IC card. The POS terminal completes the purchase transaction upon receipt of the transaction certificate.
    Type: Application
    Filed: May 14, 2018
    Publication date: September 20, 2018
    Inventors: Robert White, Robert K. Walls, Shuan Ghaidan, Michael J. Cowen
  • Publication number: 20180268395
    Abstract: The invention relates to a method for providing and executing, by a transaction server, of a payments service, which payment service is executed over a sales channel between at least two user registered to the service, the user being at least a buyer and at least a merchant, wherein the transaction server can be accessed through the sales channel by the communication unit of the at least one buyer and can be accessed by the sales unit of the at least one merchant, for processing the electronic transaction instruction as well as further commercial agreements between the buyer and the at least one merchant.
    Type: Application
    Filed: September 21, 2016
    Publication date: September 20, 2018
    Applicant: MDT IE Holding B.V.
    Inventors: Farley Douglas Glenn Donk, Johannes Hermanus Petrus Oonk
  • Publication number: 20180268396
    Abstract: Embodiments of wireless client transaction systems are described herein. Other embodiments and related methods are also disclosed herein.
    Type: Application
    Filed: March 14, 2018
    Publication date: September 20, 2018
    Applicant: Green Dot Corporation
    Inventors: Pravin Shankar, Steven William Streit, Samuel Harris Altman
  • Publication number: 20180268397
    Abstract: The present invention relates to a mobile stamp device and an electronic stamp payment system using the same, and the mobile stamp device linked with a user terminal so as to perform a payment for a product or a service comprises: an input unit for receiving a list or a price (or information for checking the price) for the product or service for which the purchase thereof has been requested; a display unit for displaying the list or the price (or information for checking the price) inputted through the input unit, or displaying a payment process result; and a control unit for controlling operation of the corresponding mobile stamp device. Therefore, an offline purchase can be conveniently requested by linking with a smart phone.
    Type: Application
    Filed: December 11, 2015
    Publication date: September 20, 2018
    Inventors: In Seong HWANG, Kee Young KIM
  • Publication number: 20180268398
    Abstract: An electronic device and an operation method therefor according to various embodiments may be configured to perform user authentication in response to an electronic card; detect access to an external device; and perform, by means of the electronic card, account transactions via the external device.
    Type: Application
    Filed: February 26, 2016
    Publication date: September 20, 2018
    Inventors: Chanpyo PARK, Hyun KIM, Boosun SHIN, Sungwang KIM
  • Publication number: 20180268399
    Abstract: System and methods for supporting legacy and tokenized transactions are disclosed. According to one embodiment, in an information processing device comprising at least one computer processor, a method for selecting an electronic payment credential to communicate to a merchant, may include (1) an electronic wallet backend receiving a plurality of payment credentials associated with a payment account; (2) the electronic wallet backend receiving a credential capability for a merchant; (3) the electronic wallet backend selecting one of the payment credentials for a transaction with the merchant based on the credential capability; and (4) the electronic wallet backend communicating the selected payment credential to a point of transaction device for the merchant.
    Type: Application
    Filed: March 16, 2018
    Publication date: September 20, 2018
    Inventors: Howard Spector, Allison Beer, Christina Sheppard, Scott H. Ouellette, Jason Carlyle, Tu P. Le
  • Publication number: 20180268400
    Abstract: A method of managing a compromised account stored within an electronic wallet is provided. The electronic wallet is stored on a user computing device and is in communication with a compromised account management (CAM) computing device. The method is implemented using the CAM computing device in connection with a memory. The method includes the step of receiving, from the user computing device via a compromised reporting function, a first notification message including a first account identifier, wherein the first notification message indicates that a first account associated with the first account identifier has been compromised. The method also includes determining an issuer associated with the first account identifier. The method further includes generating a second notification message including the first account identifier and an issuer identifier. The method also includes transmitting the second notification message to the issuer.
    Type: Application
    Filed: May 17, 2018
    Publication date: September 20, 2018
    Inventors: Edward Kenneth McCandless, Frederick Joseph Zarf, IV, Steven J. Schmidt
  • Publication number: 20180268401
    Abstract: There is provided a computer-implemented system for blockchain transaction settlement, the system including: a plurality of private nodes, each private node including at least one computing device and configured to maintain and update a private distributed ledger; and at least one communication interface between at least one of the plurality of private nodes and at least one public node of a plurality of public nodes which maintain and update a public distributed ledger. At least one private node may be configured for activities relating to the public nodes, such as receiving information, monitoring, verifications, among others.
    Type: Application
    Filed: March 16, 2018
    Publication date: September 20, 2018
    Inventors: Edison U. ORTIZ, Iustina-Miruna VINTILA
  • Publication number: 20180268402
    Abstract: Various embodiments dynamically transfer authentication information between devices. A first computing device establishes a first communication link with a second computing device, and a second communication link with a remote computing device. Upon accessing the remote computing device over the second communication link, the first computing device receives a request for authentication information from the remote computing device. In turn, the first computing device queries the second computing device for the authentication information over the first communication link. Before sending the authentication information, the second computing device prompts a user for credentials to validate the request for authentication information. Responsive to receiving the credentials, the second computing device dynamically transfers the authentication information to the first computing device over the first communication link.
    Type: Application
    Filed: November 6, 2017
    Publication date: September 20, 2018
    Applicant: Motorola Mobility LLC
    Inventors: Amit Kumar Agrawal, Satyabrata Rout
  • Publication number: 20180268403
    Abstract: Embodiments of the invention are directed to systems, apparatus, and methods for multiple protocol transaction encryption. In one embodiment, a mobile device can initiate a transaction in accordance with a first transaction protocol, the first transaction protocol being associated with contactless unidirectional communication. The mobile device can receive transaction data for the transaction in accordance with a second transaction protocol, the transaction data being received from an access device. The mobile device can perform further processing using the received transaction data. In some embodiments, the mobile device may generate a cryptogram from one or more data included in the transaction data. The cryptogram may be provided to the access device via the first transaction protocol.
    Type: Application
    Filed: January 27, 2016
    Publication date: September 20, 2018
    Inventor: Abhishek Guglani
  • Publication number: 20180268404
    Abstract: A remote variable authentication processing system is disclosed. A sending entity initiates a remote payment using an alias over an initiation channel. The alias may be associated with one or more nicknames that identify portable consumer devices and metadata. The metadata describes which channels are available for authentication. The sending entity selects a nickname and an associated authentication channel. The sending entity authenticates with an issuer over the selected authentication channel.
    Type: Application
    Filed: May 16, 2018
    Publication date: September 20, 2018
    Inventors: Mike Lindelsee, Olivier Brand, James Dimmick, Benedicto Dominguez
  • Publication number: 20180268405
    Abstract: Embodiments of the invention are directed to methods, systems, and devices for replacing a token on a user device, such as a transaction card. The transaction card includes tokens representing an actual account identifier which is not visible on the transaction card. The transaction card may store a first token on a and include a digital display that displays a second token. When the first token or the second token is compromised, the compromised token is replaced without replacing the transaction card. When the second token is compromised, the compromised token is replaced with a new replacement second token using an electronic device. The replacement second token replaces the old second token on the digital display. After the second token is compromised and before the replacement second token is provisioned on the transaction card, the transaction card may still be used for transactions using other tokens provisioned on the card.
    Type: Application
    Filed: March 17, 2017
    Publication date: September 20, 2018
    Inventor: Eduardo Lopez
  • Publication number: 20180268406
    Abstract: A method for providing scripts for execution as part of an electronic transaction includes: storing, in a memory of an integrated circuit payment card, at least one or more executable scripts, payment credentials, and a cryptogram rule; receiving, by a receiving device of the integrated circuit payment card, a transaction request from a point of sale device, wherein the transaction request includes at least one or more transaction items and a script request; generating, by a generation module of the integrated circuit payment card, at least one payment cryptogram based on at least the cryptogram rule and at least one of the one or more transaction items; and electronically transmitting, by a transmitting device of the integrated circuit payment card, at least one of the one or more executable scripts, the payment credentials, and the generated at least one payment cryptogram to the point of sale device.
    Type: Application
    Filed: March 20, 2017
    Publication date: September 20, 2018
    Applicant: Mastercard International Incorporated
    Inventors: Enda RICE, Eddy VAN DE VELDE, Sebastien POCHIC, Mark AQUILINA, Charl Frederik BOTES
  • Publication number: 20180268407
    Abstract: A method and system for providing secure card-based discrete or repeating transactions. A client having a credit/debit card, e-wallet or other financial account generates unique tokenized payment credentials for the card transaction using a local computer process. The tokenized payment credentials comply with Payment Card System format and can be provided to the merchant and included in a transaction authorization message from the merchant. A payment authorization server within the card payment system authenticates the tokenized credentials and forwards a transaction authorization message to an issuer or other payment processor.
    Type: Application
    Filed: March 16, 2018
    Publication date: September 20, 2018
    Inventor: Leonid Voldman
  • Publication number: 20180268408
    Abstract: Techniques and arrangements for dynamically modifying a cardholder verification method (CVM) implemented at a point-of-sale (POS) device. In some instances, the techniques instruct a POS device to determine an attribute associated with a received payment instrument and determine, based on this information and via the issuing entity, whether to implement a default or static CVM or whether to apply a modified or dynamic CVM such that the POS device requests different verification information than if the POS device did not modify the CVM. The modified or dynamic CVM may be implemented if a customer's device, present at the location of the payment transaction, has installed thereon an application of the entity that has issued the payment instrument.
    Type: Application
    Filed: March 20, 2017
    Publication date: September 20, 2018
    Inventors: Paul Abraham Botros, Kate Fitch
  • Publication number: 20180268409
    Abstract: An instruction to generate target information is received by a server and from a first user. The instruction includes two or more pieces of user identity information associated with two or more different users. The two or more pieces of user identity information are combined, by the server and in a predetermined method, into continuous text information. The two or more pieces of user identity information in the continuous text information are separated by one or more separation strings. The target information is generated, by the server, based on at least a predetermined algorithm and the continuous text information.
    Type: Application
    Filed: May 23, 2018
    Publication date: September 20, 2018
    Applicant: Alibaba Group Holding Limited
    Inventor: Wei GUO
  • Publication number: 20180268410
    Abstract: Systems and methods for detecting fraudulent activity in user transactions. An exemplary method includes collecting user behavior data during the user's interaction via an input device with one or more groups of elements of a graphical interface of an application on a computing device; calculating, by a processor, an anomalous user behavior coefficient for each group of elements of the graphical interface based on the collected user behavior data; detecting, by the processor, a fraudulent activity when a combination of anomalous user behavior coefficients exceeds a predetermined threshold value; and in response to detecting a fraudulent activity, blocking, by the processor, the interaction of the user with the application.
    Type: Application
    Filed: May 14, 2018
    Publication date: September 20, 2018
    Inventors: Evgeny B. KOLOTINSKY, Vladimir A. SKVORTSOV
  • Publication number: 20180268411
    Abstract: A method and system for providing secure card-based discrete or repeating transactions. A client having a credit/debit card, e-wallet or other financial account generates unique tokenized payment credentials for the card transaction using a local computer process. The tokenized payment credentials comply with Payment Card System format and can be provided to the merchant and included in a transaction authorization message from the merchant. A payment authorization server within the card payment system authenticates the tokenized credentials and forwards a transaction authorization message to an issuer or other payment processer.
    Type: Application
    Filed: March 16, 2018
    Publication date: September 20, 2018
    Inventor: Leonid Voldman
  • Publication number: 20180268412
    Abstract: A transaction system performs a transaction for a purchase of goods or services. Information about a purchase of goods or services is displayed on a display of a transaction device. The transaction device receives from a user, primary identification data which comprises biometric data that identifies the user. The transaction device receives from the user, secondary identification data which identifies the user. The secondary identification data is in addition to the primary identification data, and the secondary identification is of a different type than the primary identification data. A primary biometric identification parameters database is accessed to verify identification of the user. A secondary identification parameters database is accessed to confirm identification of the user.
    Type: Application
    Filed: March 15, 2017
    Publication date: September 20, 2018
    Inventors: Sujay Abhay Phadke, Binata Abhay Phadke
  • Publication number: 20180268413
    Abstract: A transaction system stores a biometric identification parameter used by the transaction system to perform transactions. The biometric identification parameter is received from a user and stored in a primary biometric identification parameter data file. The user is assigned a user identification number. A plurality of pieces of the primary biometric identification parameter data file are created. Each piece is assigned a data sequence number different from data sequence numbers assigned to all other pieces and a mathematical operation encryption number. Each mathematical operation encryption number represents a mathematical encryption operation that is different from mathematical encryption operations represented by all other mathematical operation encryption numbers. Each piece is encrypted using a mathematical encryption operation represented by the mathematical operation encryption number assigned to the piece in order to produce a plurality of transformed data pieces.
    Type: Application
    Filed: March 15, 2017
    Publication date: September 20, 2018
    Inventors: Sujay Abhay Phadke, Binata Abhay Phadke
  • Publication number: 20180268414
    Abstract: A system and method for conducting a tokenized electronic transaction may comprise: receiving identifying biometric data for the user, generating a biometric template representative thereof, and destroying the identifying biometric data. The identifying biometric data is not stored permanently, is not transmitted, cannot be derived from the biometric template, and is destroyed so that only the biometric template remains. The biometric template is attached to a transaction token for completing the transaction represented by the token including: comparing the token and attached biometric template with reference transaction data and with a reference biometric template. When the token matches the reference transaction data and the biometric template matches the reference biometric template, then the transaction is authorized and completed, and when the token and/or the biometric template does not match the reference therefor, then the transaction is rejected.
    Type: Application
    Filed: March 15, 2018
    Publication date: September 20, 2018
    Inventors: Kevin Kwong-Tai Chung, Albert Han-Ping Chung, Yulin Huang
  • Publication number: 20180268415
    Abstract: The present invention relates to a login system and method and, more particularly, to a biometric information personal identity authenticating system and method using financial card information stored in a mobile communication terminal, wherein the system and method: carry out biometric information registration in which login information, for each service system that is to be logged into, is mapped to biometric information of a user and stored, through a security module that is configured in the mobile communication terminal and operates independently; carry out personal identity authentication by using the biometric information of the user when logging into a registered service system so as to enable a convenient login without the input of login information, and by using digital financial card information stored in the security module when registering the biometric information; and carry out biometric information registration when the personal identity authentication is successful.
    Type: Application
    Filed: May 18, 2018
    Publication date: September 20, 2018
    Applicant: HANKOOKNFC CO., LTD.
    Inventor: Seung-Ik HWANG
  • Publication number: 20180268416
    Abstract: According to one embodiment, a customer relationship management (CRM) system is queried to obtain a list of projects that are associated with a particular user. A subset of the projects is selected from the list. Each of the projects in the subset includes an attribute that has been set to a predetermined attribute value or attribute state by the user (e.g., flagged, starred, a checkbox). For each of the projects in the subset, a communication channel (e.g., an instant messaging or IM system, an email group, a group chat, a social network community) associated with the project is identified. It is determined whether the user is already a member of the communication channel. If the user is not a member of the communication channel, the user is automatically added to the communication channel without user intervention from the user.
    Type: Application
    Filed: March 17, 2017
    Publication date: September 20, 2018
    Inventors: RAJKUMAR PONNUSAMY, DAVID BAO
  • Publication number: 20180268417
    Abstract: An illustrative method includes receiving, from a requestor device, a request to read, write, edit, or delete a resource data. The request is formatted according to a Fast Healthcare Interoperability Resources (FHIR) standard and FHIR extensions embodying an healthcare provider directory (HPD) standard. The method further includes generating an application program interface (API) request configured for a customer relationship management (CRM) database to request the read, write, edit, or delete of the resource data. The method further includes sending the API request to the CRM database. The CRM database is configured to receive a plurality of request types. The method further includes receiving, from the CRM database, data responsive to the API request. The method further includes generating data responsive to the request from the data responsive to the API request. The method further includes sending the data responsive to the request.
    Type: Application
    Filed: May 17, 2018
    Publication date: September 20, 2018
    Inventors: Jeff Livesay, Tim Pletcher