Abstract: A system, a method, and a program for providing a virtual code, a virtual code generating device, and a virtual code verifying device are provided. The method includes receiving, by a virtual code verifying means, a virtual code from a virtual code generating means, extracting, by the virtual code verifying means, a plurality of detailed codes included in the virtual code, and searching for, by the virtual code verifying means, a storage location of a real code based on the plurality of detailed codes.

Abstract: Systems, devices and methods for monitoring and managing parts, enterprise resources and other assets, and alleviating risks, in a complex collaboration environment are provided. According to some example aspects of the invention, a device with a hardware- and software-based control system scans and/or writes unique asset-related information within a plurality of chemical, electromagnetic, or written data-bearing tags within, on or throughout an asset for use in a manufacturing, maintenance and/or tracking process. In other example aspects, the system records that asset-specific information (e.g., using secure network(s) and/or a blockchain), providing it for later access and modification by a number of trusted users, to track and control manufacturing-, maintenance-relevant or other factors. In still other example aspects, an enterprise resource planning system both outputs information to, and receives information from, the control system, reconciling changes in the data.

Abstract: A charging stand is a power supply facility that is storable under a ground, and includes: a power supply unit (including a connector, a power supply cable and a power supply circuit) for supplying electric power to a vehicle on the ground; and a control device that controls supply of the electric power by the power supply unit. The control device allows the supply of the electric power by the power supply unit when the water is not accumulated inside the charging stand. With the above, when the water is not accumulated inside the charging stand, the power supply unit can supply the electric power to the vehicle.

Abstract: The invention relates to an electronic transaction method. The method comprises carrying out an initiation communication between a terminal device and a mobile device, and carrying out an electronic transaction on the basis of the initiation communication between the terminal device and the mobile device. The initiation communication between the terminal device and the mobile device is a unidirectional communication in which initiation data is transmitted from the terminal device to the mobile device. The invention furthermore relates to a terminal device for use in an electronic transaction method, and to a transaction application for a mobile device for use in an electronic transaction method.

Abstract: A method, non-transitory computer readable medium, system and/or mobile device for authenticating security features, the mobile device for authenticating security features includes at least one sensor for detecting security features, a memory having stored thereon computer readable instructions, and at least one processor configured to execute the computer readable instructions to receive a target image of a product to be authenticated, the product including at least one security feature, identify the product to be authenticated based on the target image and product information stored in a product database, obtain sensor configuration information for the at least one sensor associated with the at least one security feature of the product based on the identified product, examine the at least one security feature of the product with the at least one sensor based on the obtained sensor configuration information, and authenticate the product based on results from the examination.

Abstract: Introduced here is a technology that enables a merchant to create customer-targeted, customized communications by use of a merchant platform executing on a financial service system. The merchant platform generates content for communications that is based on a particular customer segment. The customer segment includes one or more groups of customers segmented based on one or more attributes associated with each group of customers. An attribute is determined based on data collected by the financial service system, where the data is related to transaction data of a plurality of merchants.

Abstract: A cloud-based computing system is provided that includes a payments platform for integrating payment gateway services with a cloud computing platform so that clients of the cloud computing platform can perform payment transactions with customers via the cloud computing platform. The payment gateways that include a particular payment gateway. The cloud computing platform can include a multitenant database system that provides applications and services to a plurality of clients, and a payments platform module. Each client can be, for example, a tenant or organization of the cloud computing platform that transacts business with one or more customers via a payment gateway. The payments platform module has a pluggable architecture for integrating each of the payment gateway adapters with the cloud computing platform.

Abstract: A transaction payload is received that represents at least i) a transaction initiated between a merchant and a customer, ii) an identification of the merchant, iii) an amount of the transaction, and iv) a transaction account associated with the customer. The transaction payload is encrypted using the OEM device credential. Thereafter, the transaction payload is decrypted and validated. Furthermore, the transaction payload is encrypted using an issuer credential, and routed via a predetermined payment service provider to a device associated with the issuer. Thereafter, the processor(s) receive from a device associated with the issuer, approval of the transaction, and transmit approval information to the enrolled mobile computing device for notifying the merchant that the transaction is approved.

Abstract: Secure electronic payment is disclosed as it may be implemented for a point of sale machine such as but not limited to, vending machines/devices, parking devices/facilities, and laundry machines/facilities. An example secure electronic payment system includes a remote payment processing to confirm payment for a transaction at a point of sale device. The point of sale device is configured to receive a token from the mobile device for the transaction. A token processing module at the point of sale device confirms validity of the token. A transaction processing module executes the transaction at the point of sale device.

Abstract: According to an embodiment, an accounting apparatus includes a change machine, a detection device, and a controller. The controller determines whether or not the change machine is capable of paying change in cash on the basis of a result of a detection by the detection device. The controller accepts, when determining that the change machine fails to pay the change in cash, a payment method selected by a customer from a plurality of change payment methods other than paying in cash.

Abstract: Methods, apparatuses, and computer program products are disclosed for currency control. An example computer-implemented method includes receiving physical currency data associated with one or more physical currency notes and generating digital currency data based upon the physical currency data. The digital currency data includes a digital representation of the physical currency notes. The computer-implemented method further includes determining one or more selected physical currency notes for destruction based upon the digital currency data and may include querying a currency attribute database that includes one or more currency attributes associated with the physical currency notes. The computer-implemented method also includes causing destruction of the selected physical currency notes. In response to causing destruction of the selected physical currency notes, the computer-implemented method includes modifying the currency attribute database.

Abstract: A system including: a processor; and a memory having stored thereon instructions that, when executed by the processor, controls the processor to: receive a receipt request for a transaction from a remote device, the receipt request comprising a merchant identifier, a transaction amount, and a transaction date and time; query the receipt database for a receipt record corresponding to the transaction based on the merchant identifier, the transaction amount, and the transaction date and time, the query being conducted without the benefit of sensitive information; in response to identifying a receipt record corresponding to the transaction, retrieve the receipt record corresponding to the transaction from the receipt database; and output for transmission the receipt record to the remote device.

Abstract: A currency management system excels in security, and includes legal tender as a management target. A transaction information management device (TIMD) receives first transaction (Tr) information from a user terminal, and an account information management device receives second Tr information from the TIMD. The (TIMD) receives third Tr information from the account information management device, and a currency information management device receives fourth Tr information from the TIMD. The TIMD receives fifth Tr information from the currency information management device, and the TIMD sends sixth Tr information to a user terminal. The TIMD stores in the transaction information management device the first to sixth Tr information; and the account information management device and the currency information management device receive the first to sixth Tr information from the TIMD, and store the information in the account information management device and currency information management device respectively.

Abstract: A computer implemented method of processing a financial transaction executed by first person includes determining an automatic savings amount from the financial transaction by rounding up the amount of the financial transaction to the nearest dollar. The method further includes debiting the calculated savings amount from an account of the first person and crediting the savings amount to an account of a second person.

Abstract: In some examples, a computer-implemented method of managing an advertising exchange is provided. The method uses email data and provides an interactive user interface for controlling management of data in an email channel. One or more inputs of online audience data is received. The online audience data includes email channel inventory from multiple publishers, Offline audience data including offline shopping behavior is sourced from at least one or more offline source. The online audience data and the offline audience data is included in a unified customer database, and the interactive user interface includes interface elements selectable to present online and offline audience data sourced from the unified customer database.

Abstract: A dual-factor PIN based authentication system and method uses a cryptogram provided by a contactless card associated with the client in association with a PIN stored by the contactless card to authenticate the client. In some embodiments, cryptogram authentication may be preconditioned upon a PIN match determination by the contactless card. In other embodiments, the cryptogram may be formed at least in part using the personal identification number (PIN) stored on the contactless card encoded using a dynamic key stored by the contactless card and uniquely associated with the client. Authentication may be achieved by comparing the cryptogram formed using the PIN against an expected cryptogram generated an expected PIN and an expected dynamic key.

Abstract: A payment reader can have one or more kernels capable of performing certain payment processing functions but not capable of performing certain, more processing-intensive payment processing functions. The payment reader may be designed to selectively assign processing tasks to application layer kernels located on a mobile device and/or a cloud-based device external to the payment reader, the mobile device having more or different processing resources than the payment reader. The selective assignment may be made dynamically based on the measurement of a condition of the reader or an occurrence of an event, such as a determination that the payment reader cannot process a transaction, that the payment reader does not have sufficient battery strength to process the transaction, or that there has been a tampering attempt at the payment reader. The payment reader also has a physical layer module, which module maintains its processing on the payment reader.

Abstract: Disclosed are systems and methods of capturing sensor data associated with a retail location. The systems and methods further include a point-of-sale device for processing customer transactions and generating an event trigger for capturing sensor data from one or more of the sensors at the retail location. In response to the event trigger, the systems and methods capture data from the one or more sensors at the retail location and provide access to the stored sensor data and event triggers via a user interface of the point-of-sale device for review of the stored sensor data and event trigger.

Abstract: A dual mode payment interface device having a touch display and alternatively operating in a first mode and a second mode and an associated dual mode system are disclosed. The first mode provides access to a merchant system interface (MSI) on the touch display and provides access to a customer system interface (CSI) on the touch display. The second mode provides access to a CSI on the touch display and does not provide access to the MSI on the touch display. The system also includes a merchant display device having a second touch display. The merchant display device provides access to the MSI on the second touch display. The system also includes a wire that provides a communicative connection between the dual mode payment interface device and the merchant display device. The second mode is enabled by the communicative connection.

Abstract: Systems and methods to manage surge network traffic to an electronic commerce platform are described. The platform provider generates a static package that is placed in networked storage that is accessible through a web service interface. The package contains the information required to instantiate and render the interface of the service-hosting platform using the processor and resources of the computer that accesses the package via a browser. Based on the contents of the package, the rendered interface presents the services of the service-hosting platform using resources of the customer's computer without making any calls to a server to query a protected backend system. The inventory may be refreshed from time-to-time without causing traffic directed at the service-hosting platform. Access to the protected backend resources and platform resources is gated by threshold actions taken by the user.

Abstract: Described herein is a network apparatus with secure element and related systems, methods, and apparatuses. A described method includes receiving a request to perform a transaction. The method also includes obtaining confirmation that a network address associated with the request corresponds to a registered physical address. The method further includes obtaining account data and conducting a transaction using the account data.

Abstract: Embodiments of the present invention relate to systems, methods, processes, computer program code, and means for creating digital wallets for users. In some embodiments, digital wallets are created, at least in part, on information obtained from payment transactions conducted by users.

Abstract: Techniques for cooperative document generation include methods, one of the methods includes receiving, from a mobile device, a request to start an insurance claim, the mobile device including an application configured to guide the user through the claim process. The method includes establishing a session between a computer and the mobile device. The method includes displaying images of the user interface of the mobile device. The method includes receiving information concerning the insurance claim from the mobile device, the information provided by the user in response to prompts provided on the mobile device. The method includes displaying the information on the computer. The method includes enabling the customer service representative to alter the information or request additional information be provided. The method includes adding the information to a data record regarding the insurance claim in response to an indication that the customer service representative has verified the information.

Abstract: A method for enhanced authorization to access transportation hub services is provided that includes creating, by an electronic device, a token based on credentials of a traveler. Moreover, the method includes displaying the token by the electronic device for scanning for accessing a security service area and determining whether the credentials are valid. In response to determining the credentials are valid, a traveler operating the electronic device is authorized to access the security service area. Otherwise, the traveler is denied access to the security service area.

Abstract: The systems and methods described herein provide for facilitating in-person payments at a transaction kiosk. First, the system provides an authentication interface for display at a network-enabled transaction kiosk. A user is authenticated at the kiosk via the authentication interface, and based on that authentication, the system detects a payment application and a payment request corresponding to the user, wherein the payment application is associated with a service provider and the payment request was created with the payment application. Next, the system identifies a user interface scheme associated with the payment application, and then updates the user interface for display at the transaction kiosk to match the user interface scheme, then initiates a blockchain payment based on the payment request.

Abstract: Methods and systems are presented for dynamically adjusting a risk classification of a risk source based on classifications of one or more other risk sources. The risk engine may first classify a first risk source as a first risk type based on an initial analysis of the first risk source. Subsequent to classifying the first risk source as the first risk type, the risk engine may determine that a second risk source is associated with a second risk type. Based on the determination that the second risk source is associated with the second risk type, the risk engine may re-classify the first risk source as the second risk type. The risk engine may then use the reclassification of the first risk source to improve network security of an online service provider.

Abstract: A system and method for distributing data are provided. The system for distributing data which manages the distribution of data from one or more data transmitting nodes to a data receiving node, according to one embodiment of the present invention, comprises: an off-chain pool management unit; an integrity authentication unit; a data distribution verification unit; and a block chain storage unit.

Abstract: Systems, computer program products, and computer-implemented methods for visualizing and interacting with a plurality of models that collectively represent a real-world system depicted in a graphical user interface. The system described herein may generate an interactive graphical user interface with multiple modes and a plurality of panels associated with the plurality of models. These panels and modes lay the framework for how a user can properly visualize and analyze the models at a particular point in time or over a period of time. The systems, computer program products, and computer-implemented methods may thus, according to various embodiments, enable a plurality of models that collectively represent a real-world system be interacted with and visualized by a graphical user interface.

Abstract: Systems, methods, articles of manufacture, and computer-readable media for determining specific terms to activate a contactless card. An application executing on a server may receive a request from a device specifying a uniform resource locator comprising encrypted data, the encrypted data based at least in part on a private key assigned to a contactless card. The application may decrypt the encrypted data and determine a type of the contactless card. The application may determine a plurality of terms associated with the type of the contactless card and transmit the terms to a web browser on the device. The application may receive, from the web browser, an indication specifying acceptance of the plurality of terms. The application may store, based on the decryption of the encrypted data and the received indication specifying acceptance of the terms, an indication in a database specifying the contactless card is activated for use.

Abstract: A system, method, and computer program product for dynamic application selection for payment transactions determines identification data of an issuer institution associated with a portable financial device based at least partially on transaction data associated with at least one transaction at a merchant with the portable financial device. At least one electronic service application of a plurality of electronic service applications is determined based at least partially on the identification data of the issuer institution. Electronic service application data associated with the at least one electronic service application and stored in association with the issuer institution is accessed at a merchant system of the merchant. The at least one transaction is modified based at least partially on the electronic service application data associated with the at least one electronic service application.

Abstract: A network traffic surge resistant platform is described herein. An example system includes a network storage, and one or more servers configured as a commerce platform including an authentication manager. The commerce platform generates a first secret code and sends the first secret code via a first communication medium associated with a first identifier. The commerce platform also generates a second secret code and sends the second secret code via a second communication medium associated with a second identifier. In response to determining the first input code matching the first secret code and the second input code matching the second secret code, the commerce platform authorizes a transaction associated with a particular browser and associates the transaction with a customer record associated with both the first and second identifiers.

Abstract: A system for a customer-initiated payment transaction includes a mobile device of a customer and a payment card of the customer. The mobile device includes a mobile application or a digital wallet, on which a customer may register one or more of a plurality of payment methods. The mobile application or the digital wallet may be activated to establish a point-of-sale (OIS) system on the mobile device and include a process to authenticate the customer.

Abstract: A point-of-sale system has a card reader, a point-of-sale device, and an intermediate processing module configured to communicate with the card reader and the point-of-sale device. The card reader has a card reader module configured to receive information from a payment card. The point-of-sale device has a POS display and a POS module. The intermediate processing module is configured to receive status information from the card reader module, generate a message associated with the status information, and provide the message to the POS module for presenting on the POS display.

Abstract: System and methods for supporting legacy and tokenized transactions are disclosed. According to one embodiment, in an information processing device comprising at least one computer processor, a method for selecting an electronic payment credential to communicate to a merchant, may include (1) an electronic wallet backend receiving a plurality of payment credentials associated with a payment account; (2) the electronic wallet backend receiving a credential capability for a merchant; (3) the electronic wallet backend selecting one of the payment credentials for a transaction with the merchant based on the credential capability; and (4) the electronic wallet backend communicating the selected payment credential to a point of transaction device for the merchant.

Abstract: Various embodiments of the present disclosure relate generally to providing virtual assistants. More specifically, various embodiments of the present disclosure relate to methods and systems for providing a simulation-based virtual advisor. In some embodiments, the systems and methods combine and/or integrate the functionality of a conversational virtual agent (e.g., a virtual assistant) with the functionality of a simulation virtual agent, to provide users, customers, or members with targeted, user-specific information in response to questions or other intentions posed by the users via messages exchanged between the users and the agents.

Abstract: A device for transmitting/receiving a wireless radio signal. Such a device includes: a first interface for transmitting/receiving a radio signal according to a first transmission technology; a second interface for transmitting/receiving a radio signal according to a second transmission technology; and an adaptation stage (such as a chip), which extracts data from signals coming from the first interface and/or the second interface.

Abstract: There are provided systems and methods for a physical stand for multiple device orientations and peripheral card reader. A device stand may include a dock that allows for placement and securing of a computing device within the device case, such as through a locking or connecting mechanism. The device dock further includes a peripheral component, such as a physical card reader, that allows for reading and entry of card data into the computing device for use with an electronic transaction processing application on the computing device. This allows the computing device to process transactions electronic with an online service provider. Further, the device stand includes a hinge or joint that allows for rotating and inverting of the computing device over a curved extension from a base of the device stand, which allows the computing device to be viewed in multiple directions and orientations.

Abstract: The present invention discloses a method, a device and a system for checkout, and belongs to the technical field of computer. The checkout method comprises: verifying whether a received unlocking request is sent by a pre-registered customer, and if so, issuing an unlocking instruction for opening an accommodating case in which a shelf for bearing the item is arranged and associating the customer with a take-up action or a put-back action aiming at an item; generating a shopping list of the customer, after identifying the take-up action or the put-back action and the item at which the take-up action or the put-back action aims; and performing checkout of the shopping list. The present invention further discloses a checkout device which comprises a registration module, a verification association module, a shopping list generation module and a checkout module. The present invention further discloses a checkout device which comprises a camera, a processor and a memory.

Abstract: A dual-factor PIN based authentication system and method uses a cryptogram provided by a contactless card associated with the client in association with a PIN stored by the contactless card to authenticate the client. In some embodiments, cryptogram authentication may be preconditioned upon a PIN match determination by the contactless card. In other embodiments, the cryptogram may be formed at least in part using the personal identification number (PIN) stored on the contactless card encoded using a dynamic key stored by the contactless card and uniquely associated with the client. Authentication may be achieved by comparing the cryptogram formed using the PIN against an expected cryptogram generated an expected PIN and an expected dynamic key.

Abstract: Systems and methods for using speech recognition technologies to facilitate retail store checkout are disclosed. According to certain aspects, an electronic device may detect a user's speech and analyze the speech to identify a set of matching items that may correspond to items being purchased by a customer. The electronic device may display, via a user interface, the set of matching items as well as a code or identification associated with the set of matching items. The user may interface with a point of sale system to input a code for a desired item, and the point of sale system may add the desired item to an order and may facilitate a checkout for the order.

Abstract: Described herein is a computing device for applying merchant promotions to a push payment transaction. The computing device includes a processor and a memory. The processor is configured to receive a promotion request message. The promotion request message includes a merchant ID and an initial push payment transaction amount. The processor retrieves, from the memory, a merchant promotion and applies the retrieved merchant promotion to an initial transaction amount to determine an updated transaction amount. The processor then transmits a promotion response message, receives an authorization message and initiates a transfer of funds. The promotion response message includes the merchant ID and the updated transaction amount. The authorization message authorizes the push payment transaction in the updated transaction amount. The funds are transferred in the updated payment amount from the user account with the originating institution to the merchant account at the receiving institution.

Abstract: Expedited virtual currency transactions are provided by identifying a first user primary wallet associated with a virtual currency and including a first user primary wallet private key. First user secondary wallets are created that each include a respective first user secondary wallet private key, and a respective virtual currency transaction is performed using the first user primary wallet private key to transfer predefined amounts of the virtual currency from the first user primary wallet to each of the first user secondary wallets such that first user secondary wallets are provided with different predefined amounts of the virtual currency. Subsequently, an instruction is received to transfer a payment amount to a second user, and the second user is allocated a subset of the first user secondary wallet private keys included in respective first user secondary wallets that are associated with predefined amounts of the virtual currency that equal the payment amount.

Abstract: A server and method for processing a card-not-present transaction whereby a purchaser selects to use one or more friends' card to obtain a reward is disclosed. The server comprises at least a computer processor to: (i) receive, from a merchant server, a payment request including a contact mechanism for the friend(s); (ii) send a selection request to the friend(s) using the contact mechanism; (iii) receive, from the friend(s) a selection response including card number(s) eligible for the reward; (iv) request the issuer server(s) for authentication and blocking the amount; (v) track a cumulative amount dynamically and repeat steps (iii) and (iv) until equal to or greater than the payment amount; (vi) generate a virtual card number for one time use based on the card number(s); and (vii) send a payment response to the merchant server including the virtual card number for the purchaser to complete the transaction.

Abstract: A cloud-based computing system is provided that includes a payments platform for integrating synchronous payment gateway services with a cloud computing platform so that clients of the cloud computing platform can perform payment transactions with customers via the cloud computing platform. The synchronous payment gateways that include a particular synchronous payment gateway. The cloud computing platform can include a multitenant database system that provides applications and services to a plurality of clients, and a payments platform module. Each client can be, for example, a tenant or organization of the cloud computing platform that transacts business with one or more customers via a synchronous payment gateway. The payments platform module has a pluggable architecture for integrating payment gateway adapters with the cloud computing platform.

Abstract: Aspects of the present disclosure include methods, systems, and non-transitory computer readable media for receiving a confirmation signal to unlock the security tag being detachably locked to a merchandise, wherein the confirmation signal includes a RFID device identifier associated with a RFID device of the security tag, and the RFID device is associated with a wireless device of the security tag, identifying the wireless device associated with the RFID device based on the RFID device identifier, transmitting a wireless signal to the wireless device to enable a controller to receive a release signal used to unlock the security tag from the merchandise, and transmitting the release signal to the controller to unlock the security tag from the merchandise.

Abstract: A computerized method for providing an interactive graphical user interface (GUI) to a user on a display of a mobile device. The method interacts with the user to obtain information about a first payment account and a second payment account. The method aggregates parameters of the first payment account and the second payment account on a unified GUI on the mobile device. The method further monitors transactions of the first payment account and the second payment account. When a particular transaction conducted by the first payment account includes parameters associated with the second payment, the method identifies that particular transaction and presents a confirmation GUI screen to the user to confirm using the second payment account instead.

Abstract: The invention relates to a charging contact unit (100, 1100) for a vehicle, for integrating beneath a road surface, with a charging contact element carrier head (113, 1113) designed to interact with a contact device on the lower side of a vehicle, the contact making and the contact separation being carried out by a relative movement of the charging contact element carrier head and the contact device in a contacting direction (6), the charging contact element carrier head (113, 1113) being movable inside the charging contact unit and/or rotatable or pivotable about the contacting direction (6) in order to compare incorrect positioning in either one or a plurality of directions extending transversely to the contacting direction (6). The invention also relates to a contact system and a road covering.

Abstract: Embodiments of the invention are directed to enabling access transaction systems to accept different communication protocols. In some embodiment, an access device receives, from a portable device, an indication that a transaction is to be performed by exchanging transaction information between the portable device and a remote computer, wherein the remote computer is configured to communicate using a first communication protocol. Next, the access device determines that the portable device is configured to communicate using a second communication protocol. The access device then converts communications between the portable device and the remote computer from the second communication protocol to the first communication protocol to assist the portable device and the remote computer in exchanging the transaction information.

Abstract: Systems and methods for implementing point of advertising purchasing include using mass media publications configured for or containing service, product or vendor transmittable signals, such as from radio frequency identification tags. In a preferred arrangement, a consumer perceiving an advertisement of the mass media publication may activate a reader in a portable communications device, such as a smart mobile or cellular phone, to receive information from the radio frequency signal associated with the advertisement to identify a vendor, product or service associated with the radio frequency identification. The smart mobile phone or communications device of the consumer may communicate with a system of a vendor or vendors by way of a commerce data organization system across a network to order a product or product information from a system of the vendor over the network by using the information from the radio frequency identification.

Abstract: An information processing apparatus includes a first reader electrically reading a first information in a non-contact manner; a second reader electrically or magnetically reading a second information; a touch panel electrically detecting the contact or proximity of an object; and a CPU electrically connected to the first reader, the second reader, and the touch panel. The CPU exclusively controls an ON/OFF of the first reading function of the first reader and an ON/OFF of the input detection function of the touch panel, based on a detection that the communication medium is placed in a predetermined position with respect to the first reader or a detection that the card is placed in a predetermined position with respect to the second reader.