Abstract: A heuristic engine includes capabilities to collect an unstructured data set and detect instances of transaction fraud in a financial account. By providing a heuristic algorithm with unstructured transaction sets and indications of particular instances of transactions that correlate with past fraudulent activity allows prevention of future occurrences of fraud. Such heuristic algorithms may learn from past indications of fraudulent activity and improve accuracy of detection of future fraud detections.

Abstract: A method and system are disclosed for sending notifications asynchronously over a telephony network. The method and system include receiving a request over a first telephony connection from a first communication device associated with a first user identifying a second communication device associated with a second user, sending one or more response communications over the first telephony connection to the first communication device associated with the first user, disconnecting the first telephony connection with the first communication device of the first user, and sending a notification over a second telephony connection to the second communication device associated with the second user, the notification including information sufficient to allow the second user to identify the first user or the first communication device associated with the first user.

Abstract: Systems and methods that facilitate operational support for network infrastructures are discussed. The disclosed system and method facilitate a unified view of the current state of the network and networked devices including real-time log monitoring and for providing metrics for long term system planning. One such method can include the acts of automatically discovering a device deployed on a network, receiving device and network related data in real-time, determining whether a device is authorized, terminating device network access, filtering device data, validating device configuration, configuring a device and providing an output for use by a user. The disclosed system and method can be utilized, for example, to reduce the time involved in troubleshooting and resolving network issues, for establishing a baseline for network performance and for network capacity planning.

Abstract: A method, which comprises determining a logical identifier used for communication over a network portion managed by a service provider and transmitting to a computing apparatus adapted to effect online transactions involving a payer and a payee an indication of the service provider having agreed to act as the payer for at least one online transaction requested by a requesting device that uses the logical identifier. Also, a method, which comprises determining a logical identifier used to identify a device during a request for an online transaction; identifying, based on the logical identifier, a third party that has agreed to act as a payer for the online transaction; providing a user of the device with an opportunity to confirm the third party as the payer for the online transaction; and completing the online transaction based on input from the user.

Abstract: Systems and methods for integrated orchestration of intelligent systems. An intelligent systems orchestration system harvests and combines aspects of disparate intelligent systems for use in intelligent virtual assistant applications and automation applications. In one aspect, the system provides an intelligent orchestration between cognitive plugins, such as natural language processing, sentiment analysis, speech recognition, text-to-speech, and computer vision. The intelligent systems orchestration system supports the building and deployment of cognitive applications (e.g., training, agent assist, customer assist, next best action and compliance) for enhancing a brand customer experience, and agent proficiency. The system also provides multi-IVA orchestration and supports session, context, and state management. Furthermore, the intelligent systems orchestration system includes a Conversation Control Language for the normalization of conversations across multiple channels and bots.

Abstract: A method for vendor-agnostic processing of data for monitoring a real-time operational status of a telecommunications network includes routing cell site status indications from a broker node to an in-memory processing engine. The cell site status indications are based on parameter data. A first application of the in-memory processing engine generates unique identifiers that associate each cell site status indication to a particular cell site identification code and generate feedback for the broker node including modified cell site status indications including the unique identifiers. The broker node forwards the modified cell site status indications to a second application of the in-memory processing. The second application processes the modified broker messages to extract the second parameter data from the modified cell site status indications. The in-memory processing engine generates a dataset including the second parameter data associated with the unique identifiers by the in-memory processing engine.

Abstract: An agent queuing system implemented without relying on a private branch exchange. The queuing system can be cloud-based and routes calls to agents, for example, through a first-in/first-out (FIFO) queue. Clients are assigned a unique number that identify one or more queues. When a call is received, a database maintains the unique number that was called and the associated company information is retrieved, along with any queues allocated for their company. A call is placed to the next available agent from the selected queue. A recording is played to the agent identifying the queue the call is arriving from and the agent is prompted to accept the call. If the call is accepted, the agent is taken out of the available agent pool for the duration of the call. The call can be routed without exposing the phone numbers of the caller or agent involved in the call.

Abstract: Aspects are directed toward use of data communications server(s) and a Platform as a Service (PaaS) interface to provide remote services for endpoint devices of a plurality disparate client entities. In one example, an apparatus includes a computing server to provide data communications for a plurality of endpoint devices respectively associated with a plurality of disparate client entities according to and responsive to client-specific sets of control data. The apparatus also includes a processing circuit configured to adjust routing of the communications by the computing server, in response to call event data generated by the computing server, by generating the client-specific sets of control data for each client entity according to a respective set of directives.

Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of delivering cash to a subscriber of a cash delivery service by way of a courier. In another aspect, collection of cash from a subscriber by a courier is contemplated. Conversely, the subscriber prearranging to pick up cash at a kiosk is contemplated. For these and like embodiments, network servers host a cash delivery application and users/couriers utilize the application as clients.

Abstract: A method comprising: detecting a delivery trigger indicative of delivery of a new User Equipment (UE) to a user, the new UE having a new subscriber identity module (SIM) card associated with a new phone number, the user having an existing UE with an existing SIM card associated with an existing phone number; and duplicating the existing phone number with the new phone number by instructing network devices to: block incoming telephony messages to the new phone number; spoof outgoing message from the new phone number to present as the existing phone number; duplicate incoming messages to the existing phone number; and deliver the duplicated incoming messages to the new phone number.

Abstract: A method, apparatus and computer readable medium for independent validation of asset serving. The method is performed in a network that comprise a Content Distribution Network (CDN) retaining a plurality of assets available for download therefrom. Responsive to receiving an asset serving request, an asset is selected from the plurality of assets, an asset session identifier corresponding to the asset and the asset serving request is generated, and an Asset Serving Template (AST) comprising a Uniform Resource Locator (URL) pointing to the asset is provided, wherein the URL is configured when being used in a download request of the asset from the CDN to effect recordation of the asset session identifier in association with an event logged in an event log responsive to the download request, whereby enabling determining unique asset download request events of a given asset of the plurality of assets based on asset session identifiers corresponding thereto.

Abstract: Receiving and processing customer support calls initiated from a mobile/wireless device via a call function or via a mobile device application may include various operations. For instance, an example method of operation may provide receiving a service request from a mobile device, requesting a temporary telephone number to be assigned to a subsequent call to be placed from the mobile device, creating a database record with an identifier of the mobile device and the temporary telephone number, transmitting the temporary telephone number to the mobile device, receiving an automated call to the temporary telephone number from the mobile device, and connecting the mobile device with a remote call recipient.

Abstract: Embodiments of the present invention are directed to methods, systems, and apparatuses for matching e-commerce and physical point-of-sale transaction data. In one embodiment, a method includes receiving, by a computer, first transaction data comprising a payment token or second transaction data comprising a primary account identifier, wherein the payment token is derived from the primary account identifier, and providing, by the computer, a universal account identifier after receiving the payment token or the account identifier, wherein the universal account identifier is a substitute for the payment token and the primary account identifier.

Abstract: Systems and methods are described for providing fraud deterrents, detection and prevention during e-commerce, e-transactions, digital rights management and access control. Fraud deterrent levels may be automatically selected by a requesting transaction approval entity server (and can be related to level of risk, or security, related to fraud) or may be selected by a consumer. These deterrent levels can determine the manner in which the transaction occurs as well as the types of information that must be provided and validated for successful approval of the transaction. The client can associate their credit card with a specific device, an e-identity, such as an instant messaging identity, and the e-identity is contacted as a part of finalizing a payment transaction so that a client response of ‘approve’ or ‘reject’ can be obtained. The anti-fraud technology also provides for management and storage of historical transaction information.

Abstract: Provided are a computer program product, system, and method for determining available remote storages in a network to use to replicate a file based on a geographical requirement with respect the file. A determination is made as whether available remote storages satisfy constraints associated with a document class of the file. The constraints include a geographical location at which to replicate the file and a minimum number of replications to create for the file. At least one remote storage of the available remote storages is selected that satisfies the constraints to store at least one copy of the file. The file is replicated to the selected at least one remote storage.

Abstract: The present invention provides a system, method and computer program for integrating point of sale systems by providing a common data model. A system of the invention may include one or more point of sale agents linkable to one or more diverse point of sale systems. The system may also include an order manager linked to the point of sale agents. The one or more point of sale agents are operable to communicate point of sale data between the one or more diverse point of sale systems and the order manager by mapping the point of sale data to a common data model. The present invention also provides a system, method and computer program for enabling dissemination of promotions to consumers based on point of sale data.

Abstract: A computing apparatus configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.

Abstract: A method and an apparatus for providing a search result are provided. The method can include obtaining at least one search result card, in a computer memory, according to an input search term, in which each of the at least one search result card comprises a first surface and a second surface, and a search result is recorded on the first surface and/or the second surface. The first surface of each of the at least one search result card can be displayed on a display. A request to turn a first search result card over can be determined to have been received, in which the first search result card is the search result card firstly selected from the at least one research result card. The first search result card can be visually turned over to display the second surface of the first search result card on the display.

Abstract: Receiving and processing customer support calls initiated from a mobile/wireless device via a call function or via a mobile device application may include various operations. For instance, an example method of operation may provide receiving a service request from a mobile device, requesting a temporary telephone number to be assigned to a subsequent call to be placed from the mobile device, creating a database record with an identifier of the mobile device and the temporary telephone number, transmitting the temporary telephone number to the mobile device, receiving an automated call to the temporary telephone number from the mobile device, and connecting the mobile device with a remote call recipient.

Abstract: A method of processing a transaction between a customer and a merchant includes receiving from a mobile device of the customer or from another device of the customer an indication of consent to perform a cardless payment transaction with the merchant, receiving from the mobile device an indication that the customer is within a predetermined distance of the merchant, after receiving both the indication of consent and the indication that the customer is within the predetermined distance, sending to a computer system of the merchant an indication of the presence of the customer and personal identifying information for the customer, receiving data indicating a transaction between the customer and the merchant, and submitting the transaction to a financial service for authorization.

Abstract: Embodiments of the present invention are directed to methods, systems, and apparatuses for matching e-commerce and physical point-of-sale transaction data. In one embodiment, a method includes receiving, by a computer, first transaction data comprising a payment token or second transaction data comprising a primary account identifier, wherein the payment token is derived from the primary account identifier, and providing, by the computer, a universal account identifier after receiving the payment token or the account identifier, wherein the universal account identifier is a substitute for the payment token and the primary account identifier.

Abstract: The present invention is directed to an improved operations method for a wireless communication system. The improved business method, operations method, network and system of the present invention includes the steps of delivering cellular services to the mass market, reducing peak capacity, increasing overall capacity utilization, improving capital utilization, providing an “all-you-can-eat” pricing model, and designing capacity based upon where the users live, work, and play.

Abstract: In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.

Abstract: Systems, methods, and devices for providing and managing electronic event tickets are provided. For example, a device for managing an electronic event ticket may include a processor configured to run an electronic ticket management application, a memory device configured to store data associated with the electronic ticket management application, an electronic display configured to display at least a portion of the data associated with the electronic ticket management application, and an input/output interface configured to receive an electronic ticket and the data associated with the electronic ticket for management by the electronic ticket management application. The electronic ticket management application may be configured to enable the electronic device to gain entry to an event and to obtain at least one other event-related benefit after the electronic ticket is received by the input/output interface.

Abstract: Systems, methods and apparatus are presented for facilitating account-based transactions. In an embodiment, the method includes associating a first person with an account, associating a second person with the account, receiving a request from a third party to authorize a transaction between the second person and the third party, determining a first communication address of the first party, and contacting the first party. The process also includes determining that the first person desires to communicate with the second person, determining a second communication address of the second person, initiating a communication between the first person and the second person, and receiving a signal from the first person that authorizes the transaction or declines the transaction.

Abstract: A method and system automatically activates a mobile station in a wireless communications network. The system includes an over the air activation function (OTAF) processor in the network that initiates an activation process in response to receiving a registration message from a mobile switching center serving the mobile station requesting the activation. Each mobile station has a unit of information stored into it at the time of its manufacture to enable it to request over the air activation. That unit of information is either the network routing address of the OTAF processor, or alternately, it is a value that is translatable into that address, either an OTAF ID number that is the same value for every mobile station or it is a sequentially serialized dummy value for the mobile identification number (a dummy MIN).

Abstract: A framework of a common mobility management protocol for Q.5/16 includes a high level protocol for performing the functions of address resolution, routing, location update and authentication. The common mobility management protocol can be used by existing and future multimedia applications (MA's) to support mobility management for messaging among mobility management authentication function (AuF), home location function (HLF) and visitor location function (VLF) databases/servers, and the corresponding multimedia application functional entities (MAFEs) of the multimedia applications (MA's). The common mobility management protocol may replace, act in concert with or in sequence with existent interworking protocols for the various multimedia applications. Reference point architectures, functional characteristics, features, and capabilities of the protocol are described including call flows and message syntax. The disclosure presents the scope of Q.5/16 and how H.MMS.1 (H.323 Mobility), H.MMS.

Abstract: A secure online banking transaction apparatus to communicate with a server over a non-secure connection is provided and includes a selector configured to allow for a selection of a mode of the apparatus, a processing unit coupled to the selector and including a secure communication unit, which is configured to set up a secure connection, along which a secure transaction occurs, with the server via the non-secure connection in accordance with the mode, an input unit coupled to the processing unit and configured to allow for a input of data into the apparatus, which is at least partly related to the secure transaction, and an interface coupled to the processing unit and configured to convey at least a status of the secure transaction and the contents off the inputted data.

Abstract: In a method of processing customer applications at an event, an application is received from a customer on a customer interface computer. The data in said application is verified on the customer interface computer and encrypted. The encrypted data is transmitted wirelessly to a portal computer via a private wireless network, and then transmitted to a processing computer system for approval of the application.

Abstract: A content distribution system is described. The content distribution system includes a show account database and a plurality of credit cards stored in the show account database. The content distribution system also has a linking module associating a viewer entering the call-in number with a credit card number in the show account database. The system has a charge module that charges a credit card account corresponding to the credit card number associated with a viewer entering the call-in number. The system also has an interactive recognition system that provides a qualifying question for the viewer to answer before a call of the viewer is connected to a studio.

Abstract: Systems, methods and apparatus are presented for facilitating account-based transactions. In an embodiment, the method includes associating a first person with an account, associating a second person with the account, receiving a request from a third party to authorize a transaction between the second person and the third party, determining a first communication address of the first party, and contacting the first party. The process also includes determining that the first person desires to communicate with the second person, determining a second communication address of the second person, initiating a communication between the first person and the second person, and receiving a signal from the first person that authorizes the transaction or declines the transaction.

Abstract: Disclosed are systems and methods for establishing a personal identification number (PIN). The systems and methods provide techniques to begin a remote session with a customer, prompt the customer to select a PIN to associate with a financial account card during the remote session, and receive the PIN from the customer during the remote session.

Abstract: A method includes: receiving a request corresponding to a prospective customer for at least one of a new service contract and sale of a product, the request including purchaser data specific to the purchaser, and new transaction data; determining historic data for a plurality of past transactions based at least in part on the purchaser data and one or more characteristics of the at least one of the new service contract and sale of the new product, the historic data for each past transaction including respective purchaser data, respective transaction data, and respective outcome data; determining historic risk data related to the plurality of past transactions; determining a risk prediction of the request based at least in part upon the historic risk data; and determining an authorization decision based at least in part upon the risk prediction, wherein the authorization decision comprises an approval or a denial of the request.

Abstract: Embodiments of systems and methods for enabling communication between vendors and individuals qualified to offer financial products, insurance products, warranty products, and/or other products and services related to vehicles and vehicle sales are provided. In one embodiment, a salesperson at a remote location interacts with the vendor's customer using data, video, and/or audio transmissions over a network. In one embodiment, the remote salesperson may possess relevant expertise or training, which the salesperson uses to process the transaction. In one embodiment, the remote salesperson completes the transaction using a system that manages the transaction and communication.

Abstract: An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the course of delivering the goods or services offered, so for example in a combination ATM and Internet kiosk the same credit card or smart card reader is used for both the ATM and the Internet kiosk functions, the same control screen activates the ATM functions and the Internet functions, and etc.

Abstract: A registrant provides at least one registrant electronic contact, such as a telephone number, during a registration process. The registrant's information may be compared to a database of such information. The registrant is verified by establishing a connection with the registrant via the registrant contact. The verification code is communicated to the registrant, which is input into an on-line form. Notification events are established, and the registrant is notified of the occurrence of a previously established notification event by establishing a connection with the registrant via the registrant contact.

Abstract: An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the course of delivering the goods or services offered, so for example in a combination ATM and Internet kiosk the same credit card or smart card reader is used for both the ATM and the Internet kiosk functions, the same control screen activates the ATM functions and the Internet functions, and etc.

Abstract: An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the course of delivering the goods or services offered, so for example in a combination ATM and Internet kiosk the same credit card or smart card reader is used for both the ATM and the Internet kiosk functions, the same control screen activates the ATM functions and the Internet functions, and etc.

Abstract: An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the course of delivering the goods or services offered, so for example in a combination ATM and Internet kiosk the same credit card or smart card reader is used for both the ATM and the Internet kiosk functions, the same control screen activates the ATM functions and the Internet functions, and etc.

Abstract: A Complex Adaptive Phase Discriminator (PD), as presented in some concepts of the present disclosure, is an adaptive filter that accurately estimates the instantaneous frequency of a dynamic complex signal. The PD can demonstrate accurate instantaneous frequency estimation and rapid convergence in dynamic complex signal environments, even when the frequency of its input may change rapidly. A direct PD architecture can estimate the instantaneous frequency of a complex primary signal, iteratively adapting a phase of a complex exponential by minimizing the mean squared error of a complex error signal. Instantaneous frequency can be directly estimated from the phase of the complex exponential. In contrast, an indirect PD architecture can estimate the instantaneous frequency of a complex primary signal, iteratively adapting a complex coefficient by minimizing the mean squared error of a complex error signal. Instantaneous frequency can be indirectly estimated by extracting the phase of the complex coefficient.

Abstract: A system for improving transaction security based on location information. The system includes a transaction processing center in communication with a first transaction device and a second transaction device. The transaction processing center includes a receiver that receives respective identification and location from at least one of the first and second transaction devices. The transaction processing center also includes a transaction processor that validates the identifications, validates the locations, and executes a transaction between the first and second transaction devices when the identifications and locations are validated.

Abstract: In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.

Abstract: The system and method performing secure online-transactions based on challenge/response procedures executed by a terminal of at least one customer and by a terminal of a service provider, such as a bank, which terminals are connected to a network, preferably the Internet.

Abstract: In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.

Abstract: In accordance with a first aspect of the invention there is a unified call center system for multiple service providers comprising at least one server; and at least one database in communication with the at least one server. A service provider executes software stored on the at least one server to register an account, the registration process requiring the service provider to enter a predetermined set of information, including at least one identifier for an electronic voice communication device, an additional identifier for an electronic communication device (voice or text) and a personal identifier. After entry of the predetermined set of information, the software generates a unique identifier for the account and communicates the unique identifier and a return destination address for activating the account. The service provider then operates to activate the account by communicating their personal identifier to the return destination address using the electronic communication device.

Abstract: A method and system automatically activates a mobile station in a wireless communications network. The system includes an over the air activation function (OTAF) processor in the network that initiates an activation process in response to receiving a registration message from a mobile switching center serving the mobile station requesting the activation. Each mobile station has a unit of information stored into it at the time of its manufacture to enable it to request over the air activation. That unit of information is either the network routing address of the OTAF processor, or alternately, it is a value that is translatable into that address, either an OTAF ID number that is the same value for every mobile station or it is a sequentially serialized dummy value for the mobile identification number (a dummy MIN). When the mobile station is turned on for the first time in the network, it requests activation over the air by transmitting to the local mobile switching center a registration order.

Abstract: Aspects of the present invention provide a solution for verifying the integrity of a transaction. In response to receipt of a confirmed electronic transaction from a user, a one time password is forwarded to the user. The user then initiates a telephonic communication with a verifier on the user's wireless device and provides the one time password to the verifier. The verifier authenticates the mobile telephonic device based on the device's caller identification number and determines whether the one time password provided by the user matches the one forwarded to the user. After the user is authenticated, the verifier communicates the details of the transaction that were received and the user confirms whether the details match those originally entered.

Abstract: A method for performing a digital monetary transaction between a payer and payee comprising the steps of receiving a digital-cash value requested to be withdrawn from an account of a payer; generating a digital-cash code that is associated with the requested digital-cash value and communicating the digital-cash code to the payer; receiving the digital-cash value and the digital-cash code from a payee requesting to deposit the amount specified by the digital-cash value; comparing the received digital-cash value and the digital-cash code to confirm an association; and transferring funds of the amount specified by the digital-cash value to the payee. A system including a central digital-cash system and a network interface preferably can preferably operate the method.

Abstract: Disclosed are systems and methods for establishing a personal identification number (PIN). The systems and methods provide techniques to begin a remote session with a customer, prompt the customer to select a PIN to associate with a financial account card during the remote session, and receive the PIN from the customer during the remote session.

Abstract: An integrated power combiner is disclosed. The power combiner includes a first circular geometry primary winding having one or more inductive elements, such as an active winding with one or more driver stages. A circular geometry secondary winding is disposed adjacent to the first primary winding, such as an active winding with one or more driver stages. A second circular geometry primary winding is disposed adjacent to the secondary winding and has one or more inductive elements. One or more connections are provided between one or more of the inductive elements of the first circular geometry primary winding and one or more of the inductive elements of the second circular geometry primary winding.