Abstract: A request is processed by a control device based on a detected proximity of a client device to the control device. The control device, which is intermediate to the client device and a beacon device, runs application software that receives the request generated using a client application running at the client device. The beacon device, upon receipt of an indication that the control device received the request, transmits a signal to detect a proximity of the client device to the control device. The application software receives data indicative of a response to the signal from the beacon device. The application software allows the request upon a determination that the data reflects the response is received. Alternatively, the application software allows the request upon a determination that the data indicates that the proximity of the client device to the control device satisfies a threshold.

Abstract: A method for processing transactions includes receiving transaction details of a transaction performed by a payer for making a purchase from a first payee. The transaction details include a first payee identifier of the first payee and a purchase amount of the purchase. The first payee identifier is used to access one or more databases for retrieving account details of a second payee and a proportion value of the payment amount. Based on the proportion value, a first amount is withheld for the second payee from an account of the payer. The first amount is then deposited in an account of the second payee linked to the retrieved account details and a certificate of successful deposit of the first amount is communicated to the payer and the first payee.

Abstract: Aspects of the technology provide an electronic device having a touch display and a method of detecting any possible tampering with the electronic device using the same ITO traces of a conductive grid of the touch display that are used to drive the touch display for displaying information and/or sensing touch inputs.

Abstract: According to one embodiment, a POS device includes a housing, a cover, a first detector, and a first driving mechanism. The housing includes an accommodation chamber configured to accommodate a product to which an RFID tag is attached, an opening portion for putting the product into the accommodation chamber being formed in the housing. The cover is configured to open and close the opening portion. The first detector is configured to detect whether a person is present near the housing. The first driving mechanism is configured to transition the cover from a closed state in which the cover closes the opening portion to an open state in which the cover opens the opening portion, based on the detection of the person by the first detector.

Abstract: An information processing apparatus includes a reception unit that receives payment by a recommended payment method determined according to a determination criterion for determining the recommended payment method from among one or plural payment methods payable by a user, in a case of receiving a payment request from the user.

Abstract: An example transaction-enabled system may include a smart contract wrapper to access a distributed ledger comprising intellectual property (IP) licensing terms corresponding to IP assets, wherein the IP licensing terms include an apportionment of royalties among owning entities in the distributed ledger. The smart contract wrapper may interpret an IP description value and an IP addition request, and, in response to the IP addition request and the IP description value, to add the apportionment of royalties corresponding to the IP description value. At least one of the plurality of IP assets comprises an instruction set and an operation on the distributed ledger provides provable access to the instruction set. A royalty apportionment wrapper apportions royalties from at least one royalty generating element to owning entities in response to the IP licensing terms.

Abstract: Embodiments of the invention make consumer application adoption more efficient by giving suppliers access to the desired target audience by displaying the applications to the right audience. Suppliers can provide criteria for the kinds of users they are looking to target using constraints. Embodiments of the invention enable viewers that match the constraints to see the service. The user gets to see an automatically generated application set, that is instantly available, with a high probability of containing the application the user is likely to seek. Identity and Payment support are built into the platform, such that the user no longer needs to register with each application or set up payment with each application. In addition, the platform reduces bandwidth consumption, storage front print, and power consumption of the user device by choosing when and which modules to download to the user device.

Abstract: A first device may be operable to receive a request to accept a payment via an ISO 18000-7 interface. The first device may transmit, via the ISO 18000-7 interface, a wake-up message to a second device comprising an ISO 18000-7 interface. The first device may transmit, via the ISO 18000-7 interface, an authorization request to the second device. The first device may receive an authorization message from the second device. The first device may decide whether to accept the payment based on the received authorization message. The first device may register with a retail outlet's network upon coming into range of a registration terminal of the network. While registered with the network, the first device may communicate with the network utilizing the ISO 18000-7 interface. The first device may deregister with the network upon coming into range of a deregistration terminal of the network.

Abstract: Concepts and technologies are disclosed herein for out-of-band device verification of transactions. A processor can execute a verification service. The verification service can receive a verification request with data relating to a transaction between a computing device and an application. The verification service can identify an out-of-band device associated with the computing device and obtain verification data from the out-of-band device. The verification service can compare the verification data to data relating to the transaction to determine if the transaction is to be verified. Based upon the determination, the verification service can approve or block the transaction.

Abstract: A method including authenticating a voucher which has a time limited validity period. The method comprises: a user requesting issuance of a token to a customer in a machine readable form; and issuing one or more modified versions of the token to the user, each modified version of the token being associated with a different time period of validity of the token; scanning the ticket on a scanning device connected to a terminal operated by the user; the scanning device modifying the token according to a current time period; and the terminal operated by the user comparing the modified token provided by the scanner with the modified tokens issued by the central server to validate the scanned token. A further method is provided for performing a transaction, between a customer and a vendor, using a customer's mobile phone as an authorisation device.

Abstract: A smart card adapted for staging a transaction for performance in connection with a terminal of a transaction system is provided. The smart card includes a processor and a memory. The memory includes transaction staging code and user payment credentials. The smart card also includes a biometric input device, a display, and a clock. On successful biometric input through the biometric input device, the processor is adapted to run the transaction staging code to provide transaction staging information including the user payment credentials and a freshness factor derived from a time value from the clock. The transaction staging information is displayed on the display as an optical code for reading at the terminal of the transaction system. A method of using such a smart card to stage a transaction is also provided.

Abstract: A computer-based method for collecting digital wallet data from a digital wallet transaction initiated by a user is provided. The method includes receiving registration data for a user in response to the user registering into a digital wallet application, wherein the registration data includes demographic data and device registration data including a device identifier used for identifying the user device when in communication with another computing device. The method also includes storing the registration data within at least one memory device and receiving digital wallet data as part of a digital wallet transaction initiated by the user using the digital wallet application on the user device, wherein the digital wallet data includes transaction data, device communication data, and biometric data. The method further includes comparing the digital wallet data to the registration data and linking the digital wallet data within the at least one memory device to the registration data.

Abstract: A method for generating codes that correspond to accounts associated with a digital wallet is provided. The method includes obtaining a primary account identifier from a user; receiving a request from the user to generate a secondary account; generating the secondary account; generating a code representing the secondary account; associating the code with the primary account identifier; and transmitting information that indicates the association between the code and the primary account identifier to a payment processor. The method may also include the use of pooled accounts through an aggregation of secondary accounts from different users.

Abstract: A method for signing a signature for a private key for a cryptocurrency signature wallet device includes eight stages. The first stage includes accepting data items and creating and transmitting an unsigned transaction. The second stage includes storing the unsigned transaction. The third stage includes entering wait for notification status. The fourth stage includes sending signature request notification. The fifth stage includes searching for unsigned transactions and sending a selected unsigned transaction. The sixth stage includes receiving and signing a signature request and sending back a signature. The seventh stage includes outputting and reading portable data, and signing and transferring a signature. The eighth stage includes writing the signature in the unsigned transaction, summing up a number of signatures written in the signature fields, and transforming the signed transaction into the cryptocurrency transaction or returning system flow control to the third stage to loop.

Abstract: A method for maintaining transaction integrity for transactions performed over a public network includes: receiving a transaction message corresponding to an original transaction, the transaction message including a unique, client-assigned, first identifier; in response to receiving the transaction message, assigning a unique, second identifier to the original transaction; generating a request to process the original transaction including at least a portion of the transaction message and the second identifier; transmitting the request to an issuer server to process the original transaction; receiving a first response from the issuer server in connection with the original transaction; in response to the first response, generating a second response corresponding to the original transaction including the first identifier and the second identifier; and transmitting the second response to the client.

Abstract: Exemplary embodiments provide methods and systems for conducting a cardless transaction with a financial transaction machine or a POS device. A customer requests a cardless withdrawal or cardless deposit from one of her/his accounts using the mobile application. Alternatively, a cardless transaction may be selected at a merchant. The customer receives a one-time use code in the mobile application, that is valid for a length of time. The customer proceeds to an appropriate financial transaction machine or a merchant's POS device and selects a designated menu option from an interface to conduct the desired cardless transaction. The customer is requested to enter the code to conduct the transaction. Upon successful validation of the code, the requested transaction is conducted, the code is marked as used by the system, the account is updated, and a notification is sent to the mobile application.

Abstract: A first information processing device comprising circuitry configured to provide a signal to a second information processing device, the signal comprising: a digital signature associated with the first information processing device; and at least one of: information indicating a first change of information stored at a first address defined with respect to a first data processing entity and a tokenization of the first address, the first address being derivable from the tokenized first address only by the first data processing entity for implementing the first change of information stored at the first address; information indicating a second change of information stored at a second address defined with respect to a second data processing entity and a tokenization of the second address, the second address being derivable from the tokenized second address only by the second data processing entity for implementing the second change of information stored at the second address.

Abstract: A method including receiving a first application user credential associated with a user profile; comparing, for a first match, the first application user credential with a stored second application user credential, wherein the stored second application user credential is associated with a user identity; and responsive to finding a first match, verifying the user identity by performing the following: communicating with a card using near field communication; receiving a public key of a key pair of the card and cardholder identification information of an account holder of the card; instructing the card to generate a digital signature; receiving the digital signature from the card; verifying the digital signature using the public key; and comparing, for a second match, at least a portion of the user identity with at least a portion of the cardholder identification information.

Abstract: Apparatus and methods for binding a wearable device for use with the wearable device, a terminal, and a server are presented. The method executed by the wearable device includes providing device information to the terminal, receiving a device certificate from the server, and storing the device certificate for performing payment using the corresponding user account. The method executed by the server includes receiving a binding request from the wearable device via the terminal, generating a device certificate of the wearable device based on the device identification, and providing the device certificate to the wearable device. The method executed by the payee device includes acquiring a transaction certificate of a wearable device and sending a payment collection request to a server including the transaction certificate of the wearable device and payment sum information.

Abstract: Creating and controlling a transaction key are provided. Initially, an authorization code is received at a server. This authorization code corresponds to a subsequent transaction that will be performed. Thereafter, a set of parameters are also received at the server. These parameters outline certain requirements that must be met by a requesting device in order to trigger or permit the execution of the transaction. In this manner, both the authorization code and the parameters act as safeguards in controlling which entities are permitted to participate in the transaction.

Abstract: The system may be configured to perform operations including receiving a transaction history comprising transaction information associated with a plurality of transactions for an entity; analyzing transaction information associated with a transaction of the plurality of transactions; and detecting a leakage event associated with the transaction. Detecting the leakage event may comprise determining a payment method for the transaction in response to the analyzing the transaction information; and comparing the payment method to a desired payment method, wherein the leakage event is detected in response to the payment method differing from the desired payment method.

Abstract: Techniques, described herein, may enable network services to be efficiently and effectively implemented as containers by computing devices operating in a cloud computing environment. Container images may be built and tested locally by an operator device and pushed to the computing devices for deployment of containers defined by the container images. The computing devices may enable the containers to communicate with one another by applying a domain name service (DNS) and port mapping tool to the containers. The computing devices may provide data collection, data search, and data visualization tools to enable an operator to monitor and manage the containers themselves as well as the activity of the containers.

Abstract: A computer-based method for communicating liability acceptance for payment card transactions is provided. The method uses a computer device including a processor and a memory. The method includes receiving, by the processor, a transaction authorization request message for a payment card transaction having a default-liable party. The transaction authorization request message includes a shifted-liability acceptance indicator identifying a different party to the transaction that accepts liability for the payment card transaction. The method also includes authorizing the payment card transaction based at least in part on the shifted-liability acceptance indicator. The shifted-liability acceptance indicator changes the liability for the payment card transaction from the default-liable party to the different party accepting liability.

Abstract: Techniques are disclosed relating to speculatively processing transactions. A transaction processing system may receive an indication of a trigger event associated with an electronic transaction not yet initiated by a client computing device. In some embodiments, in response to the indication of the trigger event and prior to receiving an indication of the electronic transaction being initiated, the computer system begins speculative processing of the electronic transaction. In some embodiments, the speculative processing includes identifying the client computing device based on device authentication information received from the client device, determining a user account based on the identifier client computing device, retrieving account information for the determined account, and storing the retrieved account information.

Abstract: A method is provided for locking and unlocking an electronic power tool. The method includes receiving, at a locking device, information associated with the electronic power tool, and generating, at the locking device, a lock code based on the received information. The method further includes transmitting, by the locking device, the lock code to the electronic power tool. The lock code is configured to lock the electronic power tool upon being received at the electronic power tool.

Abstract: Methods and devices are provided for use in carrying out a transaction between a transaction device and a point of interaction. In connection therewith, a device for interacting with a point of interaction to carry out a transaction by a consumer includes a processor comprising a payment application and a system environment module, where the system environment module is configured to determine whether the payment application is eligible for a transaction. The device also includes an input in communication with the processor and configured to receive transaction data from a point of interaction in connection with the transaction, and an output in communication with the processor and configured to transmit transaction data to the point of interaction in connection with the transaction when the system environment module determines that the payment application is eligible for the transaction.

Abstract: A system is provided for reissuing obligations whose ownership is recorded in a distributed ledger to preserve the identity of prior owners of the obligations. The system accesses a target transaction in which an issuer has a target obligation to a target owner specified in the target transaction. The target transaction has one or more ancestor transactions that each specify an owner. The system retires the target transaction so that the issuer no longer has the target obligation. The system then receives an indication that the issuer created a reissue transaction in which the issuer has a reissued obligation to the target owner that is specified in the reissue transaction. The reissue transaction does not have any ancestor transactions.

Abstract: A method of controlling transaction velocity limits including: generating a transaction control criterion associated with a parameter; receiving a transaction message associated with a transaction request; analyzing the data associated with the parameter with respect to the transaction control criterion associated with the parameter; automatically generating and communicating at least one of: a processing request message associated with the transaction request if data associated with the at least one parameter in the transaction message does not satisfy the transaction control criterion associated with the at least one parameter, and a rejection response message if data associated with the at least one parameter in the transaction message does satisfy the transaction control criterion associated with the at least one parameter; and generating update data associated with the parameter. A system and computer program product for controlling transaction velocity limits is also disclosed.

Abstract: A method of authorization with fraud prevention stores, at a third computer system, first data associated with a user, as well as identification information of a first computer system associated with the first data. The first set of data comprises a portion of a user's identification information. The third computer system receives second data from a second computer system. The third computer system sends, to the first computer system based on the stored identification information of the first computer system, a first pass code when the first data matches the second data. The third computer system also receives a second pass code from the second computer system, and approves an action associated with the user when the first pass code matches the second pass code.

Abstract: A method includes associating a virtual card number (VCN) with an account owned by a customer. The VCN is in a format used for account numbers in a payment card system. The account is not a payment card system account. After a P2M (person to merchant) push payment transaction funded by the account, a request is received from the customer to perform a chargeback with respect to the P2M transaction. A message is transmitted to execute the requested chargeback. The message includes the VCN.

Abstract: A server includes a processor that receives, from a first device, initiation message(s) each including a service identifier and a service value and, for each initiation message, saves in a database a record comprising the service identifier in association with the service value. The processor receives, from a second device, authorization message(s) each including one of the service identifiers and an authorization value, and for each authorization message, validates one of the initiation messages by (i) locating in the database the record comprising the one service identifier, and (ii) confirming that the service value in the located database record matches the authorization value. The processor updates a journal with an entry identifying a transfer between a first ledger and a second ledger in an amount equal to a sum of the service values of the validated initiation messages, and provides the first device with a message confirming the transfer.

Abstract: Embodiments of the invention can combine card not present transaction processing with PIN verification. A merchant or a consumer can initiate transactions using any suitable transaction initiation channel. One aspect of the invention helps facilitate payment card authentication across multiple wallet providers/merchants using an encrypted card PIN and a digital certificate. One aspect of the invention can incorporate the use of different transaction networks to perform authentication and authorization processing.

Abstract: Methods and systems for dynamically generating a verification value for a transaction and for utilizing such value to verify the authenticity of the payment service application. The dynamically created verification value may be generated on a payment device, such as an integrated circuit credit card or smart card, embedded into the payment data, and transmitted to a point of sale terminal. Alternatively, payment data is sent by a payment device to a point of sale terminal, which generates a verification value and embeds it into the payment data. The embedded verification value is used by a service provider to verify the authenticity of the transaction. The methods and systems may be used in a contactless (wireless) environment or a non-wireless environment.

Abstract: A payment network server for processing an electronic commerce (e-commerce) transaction initiated by a customer is described.

Abstract: Systems and methods for product declaration validation are provided. Aspects include receiving, by a processor, component data for a component. Obtaining, by the processor, environmental compliance data. Obtaining, by the processor, historical component data associated with the component. Determining a risk score for the component based on a feature vector, generated by a machine learning model, comprising a plurality of features extracted from the component data, environmental compliance data, and the historical component data and presenting the risk score for the component to a user.

Abstract: Aspects of the disclosure are directed to receiving numerical product data indicative of a product, the numerical product data comprising numerical values indicative of at least one of chemical composition, radius, tensile strength, a diameter, position and yield strength, and storing the numerical product data in a non-volatile memory device. The numerical product data is processed in a processor to create a plurality of explanatory variables indicative of the numerical product data. Multivariate data analysis is performed on the explanatory variables indicative of the numerical product data, where the multivariate data analysis includes an iterative cluster based outlier detection procedure. A confidence indicator value indicative of the likelihood that the numerical product data includes at least one fabricated or false data entry is generated.

Abstract: A method, apparatus, and computer program product are disclosed for improved machine learning using a statistical model. In the context of an apparatus, some example embodiments include a processor configured to cause retrieval of information regarding a plurality of consumers, and modeling circuitry configured to train a statistical model of the plurality of consumers based on the retrieved information, and predict, using the statistical model, an incremental booking value associated with the promotion for each consumer of the plurality of consumers. The processor is further configured to select a subset of the plurality of consumers for receiving impressions of the promotion. Some example embodiments may further include communications circuitry configured to transmit an impression of the promotion to each consumer in the subset of the plurality of consumers.

Abstract: A data exchange marketplace through a private blockchain network is provided in association with a system facilitating automated data exchange and related methodology for effectuating the same.

Abstract: Natural language can be used to conduct a conversation that yields analytic results. An interactive user interface can present suggestive content associated with a natural language input to a user. The suggestive content can guide assist the user in obtaining analytic data/information relating to a business, industry, and/or the like. An ontology comprising one or more content items associated with the natural language input can generated. The ontology can be represented as and/or associated with a data structure that temporal correlates a plurality of content items to the natural language input.

Abstract: An information processing apparatus according to the present disclosure comprises a controller including at least one processor. The controller is configured to: acquire a level of crowdedness of an intended store, the intended store being a store as a destination of a vehicle in which a user is riding; if the level of crowdedness of the intended store is greater than a given threshold, extract a store with a lower level of crowdedness than the intended store as a given recommended store from among other stores belonging to a same business group as the intended store; generate a suggestion advertisement, the suggestion advertisement being an advertisement for suggesting changing the destination of the vehicle from the intended store to the given recommended store; and present the suggestion advertisement to the user riding in the vehicle via a mobile terminal, the mobile terminal being a terminal that moves with the vehicle.

Abstract: A processing device selects a population of persons and measures sales metrics from the population over a time period and measures an advertising weight over the time period. The processing device determines an effect that the advertising weight has on the sales metrics and additionally calculates values for a degree of targetedness for the advertisement to the population of persons. The processing device determines an effect that the degree of targetedness has on the sales metrics and generates a multi-dimensional model that measures the combined effects of the advertising weight and the degree of targetedness on the sales metrics.

Abstract: Disclosed are an intelligent device and a method for controlling the same. The method includes acquiring at least one individual characteristic by collecting and analyzing source data related to an individual characteristic of a user, and generating profile data of the user by aggregating the individual characteristic. Accordingly, a customized service may be provided to the user. The intelligent device of the present disclosure can be associated with artificial intelligence modules, drones (unmanned aerial vehicles (UAVs)), robots, augmented reality (AR) devices, virtual reality (VR) devices, devices related to 5G service, etc.

Abstract: Systems and methods for forward market renewable energy credit prediction from business entity behavior data are disclosed. An example transaction-enabling system may include a forward market circuit to access a forward energy credit market and a market forecasting circuit to automatically generate a forecast for a forward market price of an energy credit in the forward energy credit market. The example system may include wherein the forecast is based at least in part on a business entity behavior collected from at least one business entity behavioral data source, and wherein the energy credit comprises a renewable energy credit associated a renewable energy system. The example system may further include a smart contract circuit to perform at least one of selling the renewable energy credit or purchasing the renewable energy credit on the forward energy credit market in response to the forecasted forward market price.

Abstract: The present invention provides for automated resource allocation based on predictive analysis of allocation parameters for the resource to be allocated. In specific embodiments of the invention, the analytical analysis that predicts the future allocation parameters is based at least on the entities historical resource allocation events, including, but not limited to, preferred types of the resource, amount/volume of previous resource allocations, timing of previous resource allocation and the like. In other embodiments of the invention, the analytical analysis that predicts the future allocation parameters is further based on the current or predicted location of resource allocation entities and/or the current or predicted travel route of at least one of the entities.

Abstract: Embodiments of the present invention relate to systems, methods, and computer program products for an electronic neural network system for dynamically producing predictive data using varying data. In some embodiments, a system is provided that includes (a) forecasting apparatus, which stores product information and a neural network; and (b) a computing system that access the forecasting apparatus via a web portal and transmits some or all of the product information to the forecasting apparatus, which typically comprises varying or changing data. In some embodiments, the forecasting apparatus is configured to determine an initial forecast using at least a portion of the data, via the neural network, modify the initial forecast to generate a final forecast, and present the final forecast to the computing system. In some embodiments, an input vector associated with the neural network is too large to be inputted into the neural network without modification.

Abstract: System and method for measuring the performance of brands across online and offline consumer conversations. Raw conversational data of online and offline conversations is received and analyzed using proprietary algorithms to extract, for each type of data (online and offline), relevant metrics that reflect the performance of the brand. In a non-limiting example, these metrics include: volume, sentiment, brand sharing and social influence. One of the problems with using raw data is the extreme volatility that will cause the results to sharply vary between a week and the other depending on the most recent activity or the lack of activity. To solve this problem, the embodiments compute for each metric a moving average (MA) formula specific to that metric to reduce the volatility of the results. The formula is computed so that the metric values produced by the formula would have the best/most correlation with factual data/business outcomes (e.g. sales/sale figures, stock price, purchase or dumping of stocks etc.

Abstract: Systems to establish a security profile may include a memory to store original text from security questionnaires, and values associated with the original text from the questionnaires, the values indicating a section, a control, or a question of the original text. The system may also include a processing unit. The processing unit can identify a set of latent topics present in the original text from the stored security questionnaires, score the original text based on presence or absence of latent topics, receive a new security questionnaire, score the new text from the new security questionnaire based on presence or absence of latent topics, compute a distance between the scored original text from the stored security questionnaires and the scored new text from the new security questionnaire, and link the original text to the new text with a smallest distance between.

Abstract: A system for cognitive deal pricing may include a memory having stored thereon historical deal information that includes historical deal components and historical deal communication associated therewith for historical deals. The system may also include a processor cooperating with the memory and configured to use machine learning to analyze the historical deal information to determine a predicted client type for each current deal component of a current deal, and generate the deal pricing based upon the predicted client type for each current deal component of the current deal.

Abstract: A system predicts a value estimate for a user who provides a service that involves moving among geographical regions (e.g., a transportation service). The system determines the value estimate by identifying a sequence of time periods, each time period having an associated set of geographical regions. Possible transitions between geographical regions in different time periods are analyzed, for example, using statistical or machine-learned models, to determine likelihoods that the user will move between the geographical regions from one time period to another, and to determine expected values for a transition. Such models may be trained or developed using historical service data and user profile data stored by the system. Transitions are analyzed over a sequence of time periods to determine accumulated values associated with estimated overall values for each geographical region. The system predicts an overall value estimate for the user based on the accumulated values.

Abstract: According to one embodiment, a dynamic pricing management system has an operation device which calculates and determines product information of each product to be displayed, plurality of electronic shelf labels each includes a display module which allows the product information to be displayed and rewritten, a communication device which allows exchange of the product information between the electronic shelf labels and the operation device, a database in which basic information of each product is stored, a management device which manages sales or inventory information of each product, and an other-than-product data collection device which collects and accumulates fluctuation data other than products with time.