Abstract: There is disclosed a method and system for determining a predicted state of a traffic signal. A video of the traffic signal is received. Still images of the traffic signal are generated based on the video. A first machine learning algorithm (MLA) outputs a vector for each bulb in each still image, the vector indicating a predicted status of the bulb. A second MLA determines a predicted state of the traffic signal based on the vectors.

Abstract: Embodiments related to systems and methods comprising receiving payment data at an access device; receiving an identifier for a mobile device at the access device; and generating and sending an authorization request message to a payment processing network, wherein the payment processing network generates a verification token, which is then sent to the mobile device whereby the mobile device is thereafter used to conduct payment transactions.

Abstract: Methods, systems, and computer program products for providing monitored transactions at automated teller machines are disclosed. For example, a computer-implemented method may include receiving, at an automated teller machine, a transaction request from a mobile device of a user, generating an electronic transmission based on the transaction request, sending the electronic transmission to a server machine, receiving a result from the server machine based on the electronic transmission, and providing information associated with the result of the electronic transmission to the mobile device of the user.

Abstract: A method for approving financial transactions is described. In one embodiment, the method may include receiving, from a transaction interface, a transaction request to approve a financial transaction, determining a payment method of the financial transaction is associated with a regulated account, transmitting, based at least in part on the determining the payment method of the financial transaction is associated with the regulated account, an approval request to approve the financial transaction to a first administrator associated with the regulated account, and upon receiving a response to the approval request, transmitting to the transaction interface a transaction response message indicating whether the financial transaction is approved.

Abstract: A rules engine for applying rules from a reviewing network to data signals from an originating network is described. The rules engine includes a processor coupled to a memory device. The rules engine is coupled to the reviewing network, and is configured to receive an authorization data signal from the originating network. The authorization data signal includes authorization data for at least one transaction that has been processed by the originating network. The originating network and the reviewing network are payment networks. Additionally, the rules engine generates an authorization response data signal that includes authorization response data by comparing the authorization data to the rules stored in the memory device. The authorization response data indicates whether the reviewing network authorizes or declines the at least one transaction included in the authorization data. The rules engine transmits the clearance response data signal to the originating network.

Abstract: Disclosed herein are system, method, and computer program product embodiments for a cloud-based point-of-sale system and a multi-function point-of-sale (POS) device. In an embodiment, the POS device includes an interactive display that switches between a first position oriented towards and for use by an operating clerk, and a second position oriented towards and for use by a customer. The POS device is able to detect the switch between the first position and the second position. A processor in the POS device outputs a first graphical user interface (GUI) on the interactive display in response to detection of the first position and a second GUI in response to detection of the second position. In an embodiment, the components of the POS device are combined together in a unified assembly.

Abstract: An authorization control network includes an attribute control server and an authorization server. The attribute control server is configured to receive from a communications device a credential and a modification request that includes an account identifier, determine a cardholder attribute from the credential, determine an account attribute associated with the account identifier in a card profile database, determine that the cardholder attribute matches the account attribute, and transmit the modification request to the authorization server.

Abstract: A watch with a built-in tag that includes a display displaying a time, a metal case having a through-hole in a side surface, a metal crown disposed to enable opening and closing of the through-hole, and a wireless communication device housed inside the case. The crown includes a head located outside the case and coming into contact with the case to close the through-hole, and a shank extending to the inside of the case through the through-hole with one end portion connected to the head and the other end portion located inside the case. When the head of the crown is pulled in a direction away from the case, the head of the crown becomes contactless with the case to enable a reader device located outside the case to read information of the wireless communication device through the crown.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for a scan-to-pay method are provided. One of the methods includes: receiving a payment request from an operator of a mobile device; and generating a payment code based on the payment request, wherein the payment code comprises first information and second information, with the first information associated with an payment account, and the second information associated with at least one recent behavioral biometric signature of the operator and at least one historical behavioral biometric signature recorded in the mobile device. This scan-to-pay method provides robust risk control with substantially reduced cost, therefore it provides a more friendly user experience on a scan-to-pay application over its conventional counterparts.

Abstract: Systems and methods are provided to facilitate a coordinated and concerted process between parties and activities related to procuring an asset, obtaining financing, and managing loans and debentures thereof. User interfaces generated via panels and screen displays are used to communicate between parties and coordinate activities related to processes involved with purchasing and obtaining an asset such as a home. Graphical displays provide users with a comprehensive overview of the process and illustrate the buyer's progress through the process. User inputs and system outputs effectuated through the user interfaces, along with methods of interaction between users and/or the system, provide a communication network to streamline information flow and orchestrate interaction.

Abstract: A system for authenticating a user may comprise at least one subsystem that contacts a device associated with the user, at least one subsystem that receives a device identification key from the device, at least one subsystem that receives a signal comprising a voice sample from the device, at least one subsystem that compares a voice pattern of the voice sample to that of a previously recorded voice sample of the user, and at least one subsystem that compares the received device identification key to a previously stored device identification key associated with the device associated with the user.

Abstract: Electronic stored value cards (“eSVCs”) may be susceptible to fraud, theft, or unauthorized access. As eSVCs are still relatively new, the eSVC industry may not have fully developed sufficient safeguards to prevent such fraud, therft, and unauthorized access. Disclosed herein are systems, apparatus, and methods for evaluating whether or not to provide a service, which may include displaying, funding, or authorizing an eSVC. The evaluation may be in response to a request for such a service. The evaluation may be based on a risk due to fraud, theft, or unathorized access.

Abstract: The present application discloses a method for authorizing mobile payment from a mobile application installed on a mobile device. After a user logs into a user account at the mobile application, the mobile device receives user information, and obtains payment card information retrieved from a first image of a payment card captured by the mobile device. Then, a request is sent to a server for authorizing the user to make mobile payment using the mobile application. The server is configured to authenticate the request by communicating with a financial institution using the user information and the payment card information. The mobile device receives a confirmation message after the authentication of the user information and the payment card information by the financial institution, and displays the confirmation message to the user of the mobile device such that the user can make mobile payment via the user account at the mobile application.

Abstract: A rules engine for applying rules from a reviewing network to data signals from an originating network is described. The rules engine includes a processor coupled to a memory device. The rules engine is coupled to the reviewing network, and is configured to receive an authorization data signal from the originating network. The authorization data signal includes authorization data for at least one transaction that has been processed by the originating network. The originating network and the reviewing network are payment networks. Additionally, the rules engine generates an authorization response data signal that includes authorization response data by comparing the authorization data to the rules stored in the memory device. The authorization response data indicates whether the reviewing network authorizes or declines the at least one transaction included in the authorization data. The rules engine transmits the clearance response data signal to the originating network.

Abstract: Resource attributes for resources are continuously and regularly collected from hardware and software resources of one or more devices. The resource attributes are continuously fed to one or more confidence calculators. At any given point in time, a single confidence value is provided to an authentication for making a decision as to whether to authenticate a user for access to a particular resource.

Abstract: A method includes receiving a payment object for payment of a certain amount owed by a first party to a second party. The payment object carries sufficient account information for the payment from an account associated with the payment object. The second party communicates the account information from the payment object and an identification of the second party for receipt by a third party; and receives in return data that is indicative of a gratuity to be charged against the account. The second party prints a document that includes the certain amount owed and the gratuity, as indicated by the data received by the second party, and presents the document for signature by the first party. The printed document preferably includes the total of the amount owed and the gratuity. The payment object may be a credit card, charge card, debit card, rebate card, or stored-value card.

Abstract: A mobile terminal capable of controlling a vehicle and a method for controlling the same are provided. The mobile terminal includes a main body having a front surface, a side surface, and a rear surface, a cover configured to cover at least a portion of the front surface, the side surface, and the rear surface of the main body, a vehicle authenticating unit configured to supply power to the main body and the vehicle authenticating unit, and a control unit configured to control the power supply unit to supply power to the vehicle authenticating unit, wherein, upon receiving power from the power supply unit, the vehicle authenticating unit performs the authentication information to the vehicle to perform authentication with respect to the vehicle.

Abstract: A data security system includes a first computer system including: a memory for containing data, and a processing unit connected to the memory for locking and unlocking the memory, the processing unit including: a first identification unit for providing a first identification, a modifying unit connected to the first identification unit to provide a modified number, and a checking unit for receiving the modified number; and the first computer system connectible to a second computer system, the second computer system including: a second identification unit for providing a second identification, and an application for receiving the second identification to provide a further modified number; and the first computer system connectible to the checking unit to have the processing unit unlock the memory when the modified number and the further modified number are the same and lock the memory when the modified number and the further modified number are different.

Abstract: Methods and apparatus, including computer program products, for payment card terminals for mobile phones. In general, data characterizing a payment card and a settlement amount for a transaction may be received, where the data is user-generated input and is received at a mobile phone associated with a mobile phone number. Wireless transmission of data characterizing a request to provide a payment card settlement service of a merchant account of a merchant account provider for the transaction may be initiated, where the wireless transmission is to be from the mobile phone over a carrier data network to an application server. Data characterizing authorization of settlement of the transaction with the payment card may be wirelessly received by the mobile phone from the application server.

Abstract: A method of and system for authorizing purchases made over a computer network is provided. In accordance with the present invention, a consumer electronically transmits an ATM card number over the network to an on-line merchant from which the consumer desires to make a purchase. The on-line merchant then electronically forwards the ATM card number to a third party contractor, such as a bank, that will oversee and authorize the transaction. The third party contractor subsequently determines an authentication token type associated with the card and electronically prompts the consumer for the appropriate type of authentication token, such as a PIN or biometric signature or the like. The consumer then inputs and electronically transmits the authentication token over the network to the third party contractor, bypassing the on-line merchant.

Abstract: A server computer is disclosed. It comprises a processor and a computer readable medium coupled to the processor.

Abstract: A service terminal, which is communicatively coupled to a remote server, works with an offline user terminal to complete a service request initiated by a user of the user terminal. The service terminal repeatedly broadcasts a service message to neighboring user terminals until after receiving a service purchase request message wirelessly transmitted from a user terminal. The service terminal then suspends the broadcast of the service message and communicates the service purchase request to the remote server and receives a purchase confirmation message from the remote server. Next, the service terminal wirelessly transmits the purchase confirmation message back to the user terminal. From reading the purchase confirmation message, a user of the user terminal can tell whether the service purchase request has been completed successfully or not. If not, the service terminal then resumes the broadcast of the service message until after receiving another service purchase request message.

Abstract: An apparatus and method provide simple and secure financial transactions in an instant messaging (IM) environment. Two users may engage in an IM session (chat session), with negotiations for a product or service taking place during the chat session. One or both of the users may activate an IM financial transaction mechanism during the chat session. The IM financial transaction mechanism analyzes the chat text, and presents a draft transaction to both buyer and seller, with options based on the analyzed chat text. The draft transaction may be modified by both buyer and seller, who both confirm the draft transaction when all of the details are correct. The confirmed transaction is then sent to a web server that includes an interface to the buyer's online account, and payment is made by transferring the funds for the confirmed transaction from the buyer's online account to an account for the seller.

Abstract: An object is to deposit money to a monetary terminal using an account in a financial institution. When remitting money for charging up a monetary terminal to a center account, the user inputs to a banking system remitter information containing a name (in katakana characters) and a monetary terminal ID of the monetary terminal that is to be charged up. In response to this, the banking system transmits a remittance amount and the remitter information to an electronic money server. The electronic money server extracts the name of the user and the monetary terminal ID from the received remitter information, and checks them against user registration information. Thereafter, the electronic money server generates amount update information within the remitted amount, and transmits it to a cell phone or an electronic money card, which is identified by the monetary terminal ID.

Abstract: A system and computer-implemented method for providing access to data of a first party including receiving information for identifying the first party, authenticating the first party using the received information for identifying the first party and generating a first read-only personal identification number (PIN). The first read-only PIN is associated with a first set of access rights for the data of the first party and provided to a second party. The first read-only PIN is stored with the first set of access rights in a computer database. A third party receives the first read-only PIN from the second party, authenticates the received first read-only PIN using the stored first read-only PIN and provides the second party with access to at least a portion of the data of the first party using the first set of access rights associated with the first read-only PIN if the received first read-only PIN is authenticated.

Abstract: Embodiments of the present invention are directed to methods, apparatuses, computer readable media and systems for securely processing remote transactions. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a mobile device. The method comprises receiving, by a mobile payment application on a secure memory of the mobile device, transaction data from a transaction processor application on the mobile device. The method further comprises validating that the transaction processor application is authentic and in response to validating the transaction processor application, providing encrypted payment credentials to the transaction processor application. The transaction processor application further initiates a payment transaction with a transaction processor server computer using the encrypted payment credentials.

Abstract: An object of the present invention is to deposit money to a monetary terminal using an account in a financial institution. When remitting money for charging up a monetary terminal to a center account 31, the user inputs to a banking system 3 remitter information containing a name (in katakana characters) and a monetary terminal ID of the monetary terminal that is to be charged up. In response to this, the banking system 3 transmits a remittance amount and the remitter information to an electronic money server 2. The electronic money server 2 extracts the name of the user and the monetary terminal ID from the received remitter information, and checks them against user registration information. Thereafter, the electronic money server 2 generates amount update information within the remitted amount, and transmits it to a cell phone 7 or an electronic money card 15, which is identified by the monetary terminal ID.

Abstract: A method includes receiving a payment object for payment of a certain amount owed by a first party to a second party. The payment object carries sufficient account information for the payment from an account associated with the payment object. The second party communicates the account information from the payment object and an identification of the second party for receipt by a third party; and receives in return data that is indicative of a gratuity to be charged against the account. The second party prints a document that includes the certain amount owed and the gratuity, as indicated by the data received by the second party, and presents the document for signature by the first party. The printed document preferably includes the total of the amount owed and the gratuity. The payment object may be a credit card, charge card, debit card, rebate card, or stored-value card.

Abstract: In a monetary information processing method, an amount remitted by a remitter to a financial account in a banking system and monetary terminal identification information identifying a monetary terminal that stores a monetary value are acquired from the banking system. The acquired amount is divided into unit amounts when the acquired amount exceeds a preselected amount. Amount update information is transmitted to the monetary terminal to increase the monetary value by the acquired amount when the acquired amount does not exceed the preselected amount or by any selected one of the unit amounts provided that the acquired amount or the selected unit amount does not exceed an allowable limit previously set for the monetary terminal. The amount acquired from the banking system is decreased by the amount by which the monetary value is increased in accordance with the amount update information.

Abstract: According to an embodiment, a smart card includes a communication section, a generation part, a first record section and an erasure section. The communication section transmits and receives data with the external device. The generation section generates a session key according to the command which is received by the communication section and requires generation of a session key. The first record section stores the session key generated by the generation section. The erasure section erases the session key when a holding period of the session key stored in the first record section exceeds a threshold.

Abstract: A system and computer-implemented method for providing access to data of a first party including receiving information for identifying the first party, authenticating the first party using the received information for identifying the first party and generating a first read-only personal identification number (PIN). The first read-only PIN is associated with a first set of access rights for the data of the first party and provided to a second party. The first read-only PIN is stored with the first set of access rights in a computer database. A third party receives the first read-only PIN from the second party, authenticates the received first read-only PIN using the stored first read-only PIN and provides the second party with access to at least a portion of the data of the first party using the first set of access rights associated with the first read-only PIN if the received first read-only PIN is authenticated.

Abstract: The systems, methods and apparatuses described herein provide a computing environment for authenticating a user. An apparatus according to the present disclosure may comprise a non-volatile storage, a user interface, and a password engine. The password engine is configured to retrieve two or more predetermined prompts from the non-volatile storage, present the two or more predetermined prompts on the user interface to a user in a random order, receive a first set of input(s) in response to the two or more predetermined prompts, create an encryption keyword from the received first set of input(s) according to an original order of the two or more predetermined prompts stored in the non-volatile storage, and use the encryption keyword to authenticate the user.

Abstract: Techniques are provided for generating a transaction alert for a transaction whether the transaction was processed by a first payment processing network associated with an alerting platform or the transaction was processed by a second payment processing network not associated with an alert platform. An authorization request message associated with a transaction is received by a transaction processing server configured to receive authorization request messages from a first payment network and a second payment network. If the authorization request message was routed through the second payment network, alert initiation data is transmitted to an alert platform associated with the first payment network. The alert platform is configured to apply at least one alert criterion to the alert initiation data to determine if an alert is to be generated, generate the alert, and transmit the alert to a mobile application.

Abstract: In one embodiment, a method, system and apparatus for recording audio is provided so that the recording can be authenticated. The system may be implemented as a central server that is accessed via one or more lines for audio communication, or as a stand-alone unit. The system operates by encrypting communicated data (e.g., audio signals), storing the encrypted information, and providing at least one user with a key that can be used to decrypt the stored information.

Abstract: A method to access financial data. The method includes redirecting, by a computer processor and based on an input of a user, the user to a website of a financial institution (FI), wherein the user submits a request via the website to access the financial data, obtaining, in response to the user submitting the request, a token identifying the request, identifying, by the computer processor, a financial data structure in a remote repository based on the token, wherein the FI stores a financial data record in the financial data structure in response to the request, and retrieving, without user intervention, the financial data record from the financial data structure, wherein the financial data record is used by a financial management application to prepare a financial management report for the user.

Abstract: A system for authenticating near field communication (NFC) transactions that has an NFC merchant reader that provides an electromagnetic field and an NFC hand-held device that senses the electromagnetic field and prompts a user for a personal identifier (PI) in response to the electromagnetic field. Additionally, the NFC hand-held device wirelessly transmits the PI, and the NFC hand-held-device receives an approval code transmitted to the NFC hand-held device in response to the PI. Further, the NFC hand-held device transmits the approval code to the NFC merchant reader, and the NFC merchant reader transmits a payment request comprising the approval code.

Abstract: A wirelessly updated consumer spending card includes a spending card housing, a memory module on the spending card housing, a processor module on the spending card housing in operable communication with the memory module, an output display on the spending card housing in operable communication with the processor, a transceiver on the spending card housing operable for wirelessly transmitting and receiving data across a metropolitan area in operable communication with the processor and display, and a power source on the spending card housing in operable connectivity to the memory, processor, transceiver and display. The card may further include a biometric input device on the spending card housing in operable communication with the processor.

Abstract: When processing repeated operations on the keyboard of a mobile communication device, mainly at direct debits, used is a separate data carrier with a memory in which is stored at least one file with a sequence of keyboard orders of a macro type. Data carrier is energetically supplied contact-free by electromagnetic field of the mobile communication device while receiving the requiring order and, according to this order, chooses from the memory and encodes appropriate file with a sequence of keyboard orders. Data carrier sends the encoded file into the mobile communication device which decodes the received file and performs processes representing the keystrokes according to the sequence of keyboard orders. The invention also describes connection and data carrier to perform above described method where the data carrier consists of a processor, transmitting and receiving unit, block for transforming electromagnetic field and a memory to store a file of orders.

Abstract: Method and apparatus for facilitating a commercial transaction between an account holder and a merchant. The account holder has an account that is associated with respective account information. The account information includes at least one criterion for pre-authorizing a transaction. When the consumer initiates a purchase transaction, a transaction approval request is generated which includes information relating to the commercial transaction. A purchase approval entity compares the received transaction approval request to the account information to determine whether the at least one criterion for pre-authorizing the transaction is satisfied. The transaction approval request is denied when a determination is made that the at least one criterion for pre-authorizing the transaction is not satisfied.

Abstract: A key fob includes a biometric sensor including a fingerprint area sensor having a surface for receiving a finger, and a controller includes at least one processor configured to authenticate a user of the key fob based on biometric information obtained with the biometric sensor and stored biometric information for an individual. The key fob includes a RF transmitter for communicating stored transaction information to a reader upon authentication of the user and a housing. The housing includes a base for supporting the biometric sensor and a cover sleeve slidably engaged with the base to allow for extension from and retraction into the sleeve by the base, thereby permitting selective exposure of the fingerprint area sensor under user actuation.

Abstract: Real time facial images of individuals transacting accounts held in a bank facility are taken following the grant of authorization to the individual to access the account under the bank's required identification protocol, the real time facial images being matched to recorded facial images of account holders maintained by the bank to further authenticate the transacting individual as having authorized account access.

Abstract: In some embodiments, a system includes a mobile communication device and a secure element physically coupled to the mobile communication device. The mobile communication device includes a first wireless transceiver, first processor, and first memory. The secure element includes a second wireless transceiver, second processor, and second memory. The mobile communication device is configured to transmit data via the first wireless transceiver to the secure element in packets, using a packet protocol. The secure element is configured to transmit data via the second wireless transceiver to the mobile communication device in messages, using a messaging protocol distinct from the packet protocol.

Abstract: Systems and methods for implementing a sequence of fingerprints for biometric authentication are provided. A sequence of fingerprints is more difficult to fraudulently circumvent than a single finger or thumb print. A sequence of fingerprints takes advantage of inexpensive fingerprint scanners and easily available fingerprints. A sequence of fingerprints may be used in conjunction with additional biometric authentications and/or confidential access sequences. The sequence of fingerprints may include prints of the digits of the foot. The sequence of fingerprints for biometric authentication may be system or user defined.

Abstract: A checkout system employs a bi-optical workstation having dual windows and a main reader for electro-optically reading indicia on products to be processed at the workstation through at least one of the windows. The workstation is supported by a countertop and has a raised housing extending upwardly away from the countertop. An auxiliary cordless reader is used for electro-optically reading the indicia in a handheld mode when the main reader is not operated. A cradle bounds a compartment in which the auxiliary cordless reader is removably received when not in the handheld mode. The cradle is supported by the raised housing above and remote from, and out of direct contact with, the countertop to form a zero-footprint therewith.

Abstract: A tamper-proof secure card comprising biometric data of an individual for identifying or confirming authority of the individual. Prior to issuing the secure card a cardholder's biometric data is stored in a transparent biometric data section of the secure card. Also, a unique card number is created using a cardholder's biometric data and stored in the card. When the secure card is used the cardholder inputs biometric data. This input biometric data is then compared to the biometric data stored in the card. If the input biometric data matches the stored biometric data the identity of the cardholder is confirmed. If the cardholder's identity has been confirmed the unique card number can be accessed. Without confirmation the unique card number cannot be access. The secure card also comprises a transparent input area to separate the cardholder from an identity verification machine.

Abstract: A system for using a watermark embedded in an audio signal to remotely control a device. Various devices such as toys, computers, and appliances, equipped with an appropriate detector, detect the hidden signals, which can trigger an action, or change a state of the device. The watermarks can be used with a “time gate” device, where detection of the watermark opens a time interval within which a user is allowed to perform an action, such as pressing a button, typing in an answer, turning a key in a lock, etc.

Abstract: Embodiments of methods and apparatus for tag-based personalization of kiosk computing devices are disclosed. In embodiments, an authentication server/system may receive, from a mobile device, a plurality data packets having data associated with a display tag of a kiosk computing device. The authentication system/server may, in response, instruct the kiosk to activate an account-specific mode based on an account associated with the mobile device. Other embodiments may be described and/or claimed.

Abstract: An information apparatus switches a display at a predetermined area which includes at least a part of a portion where an electromagnetic-wave emitting unit used for data communications with a data storage device is disposed, according to data communication processing with the data storage device, and emits sound generated according to the processing at corresponding timing.

Abstract: Described herein is an enabling product that facilitates implementation of an m-commerce business solution. According to an embodiment of the present invention an m-commerce solution includes: a content provider or merchant site that provides products and goods to be purchased; a payment system allowing online authorization of funds to purchase the goods; and a wireless network for all customer interactions. Embodiments described herein perform at least one of the following three functions: 1) protocol conversions; 2) customer information reposing, and 3) payment authorization system interfacing.

Abstract: Described herein is an enabling product that facilitates implementation of an m-commerce business solution. According to an embodiment of the present invention an m-commerce solution includes: a content provider or merchant site that provides products and goods to be purchased; a payment system allowing online authorization of funds to purchase the goods; and a wireless network for all customer interactions. Embodiments described herein perform at least one of the following three functions: 1) protocol conversions; 2) customer information reposing, and 3) payment authorization system interfacing.