Abstract: A system and method for assigning controlled access to a securable device may include (i) a kiosk configured to enable a user to rent a securable device from among multiple securable devices and (ii) a lock unit associated with the securable device and being in communication with the kiosk. The lock unit may further be configured to enable the user to access the securable device after being rented by the user via said kiosk. The kiosk may further be configured to enable the user to purchase goods or services in addition to rental of the securable device.

Abstract: A system and method for assigning controlled access to a securable device may include a kiosk configured to receive a PIN and to collect payment from a user for rental of a securable device from among multiple securable devices. A lock unit associated with the securable device and in communication with the kiosk may be configured to receive the PIN from said kiosk. After receiving the PIN, the kiosk may be configured to operate autonomously with respect to the kiosk to enable the user to access the securable device in response to the user entering the PIN into the lock unit.

Abstract: In one embodiment, a method includes sending by an endpoint a request for information about available services to a network device; receiving by the endpoint a message from the network device, the message including information associated with a first service provider; determining by the endpoint whether the first address is certified by a trusted third party as being associated with the first service provider; if the first address is certified by the trusted third party, communicating by the endpoint with the first service provider using the information; and, in response to communicating with the first service provider using the information, receiving by the endpoint access to a service from the first service provider through the network device.

Abstract: Techniques for non-repudiation of storage in cloud or shared storage environments are provided. A unique signature is generated within a cloud or shared storage environment for each file of the storage tenant that accesses the cloud or shared storage environment. Each signature is stored as part of the file system and every time a file is accessed that signature is verified. When a file is updated, the signature is updated as well to reflect the file update.

Abstract: An electronic device including an input/output interface operable to receive an input from a user and communicate an output to the user, a transceiver operable to electronically communicate with a computer network, a computer processor operable to execute instructions, and a memory storage operable to store the instructions, the memory storage further comprising a program module that is operable to: receive credentials for a proxy payment account, where the proxy payment account is linked to a primary payment account and not linked directly to a method of payment underlying the primary payment account, and make payment at a Point of Sale (POS) using the received credentials.

Abstract: A method, system and program product, the method comprising: accessing Transfer Fee data to be paid to a third party that is not the borrower or the lender of a security for a right to loan one or more units of the security; accessing loan data on a loan of units of the security, calculating an amount of a Transfer Fee for the right to loan the security; generating data for debiting an account or sending a bill for the Transfer Fee; sending or having sent data on revenue from one or more of the Transfer Fees to be paid to an issuer of the security; updating the database with data on the Transfer Fee.

Abstract: A method for preventing illegal relocation and communication retransmission includes a fixed terminal arranged in an electronic equipment service area and a movable terminal arranged in the electronic equipment. The movable terminal accesses to and is registered with the fixed terminal to be bound with the same, in-place confirming communication is carried out between the movable and fixed terminals regularly or irregularly, the fixed terminal judges whether the movable terminal is located in a limited service area according to the communication transmission time, the movable terminal is not located in the limited service area and stops working and/or sends an alarm if the difference between the communication transmission time and the preset time value is larger than the set range and contrarily works normally. The defect that service areas of terminals of the electronic equipment cannot be limited in the prior art is effectively overcome by the present invention.

Abstract: A system and method for remediation, curing concerns, and transferring information associated with declined transactions is disclosed. The present disclosure generally relates to electronic commerce, and more particularly, to a system and method of validation and efficiency associated with electronic commerce.

Abstract: A method of apprehending a criminal, including scanning fingerprint images from a contact area of at least one item at a point-of-sale (POS) location and/or point-of-entry (POE) location and transmitting the fingerprint images to a local or remote electronic device to identify the criminal is presented. A fingerprint recognition and collection device is also presented including a fingerprint scanner for scanning fingerprint images from a contact area of at least one item; a transmitting unit for transmitting the fingerprint images; a receiving unit for receiving the fingerprint images; and an analyzing unit for analyzing the fingerprint images to identify persons of interest. The fingerprint scanner operates concurrently with a price scanner and/or ticket scanner. The fingerprint scanner is fixedly secured at the POS location and/or the POE location and operates concurrently with the price scanner and/or ticket scanner.

Abstract: A system of tracking, identifying, and encoding an electronic transaction. The system includes a portal soliciting electronic transactions, an encoder in communication with the portal, a processor in communication with the encoder and a processing network, and a report module in communication with the processor. The encoder accepts electronic transaction data from the portal, forms a code based on the electronic transaction data, and appends the code to the electronic transaction data to provide encoded electronic transaction data. The processing network authorizes the encoded electronic transaction data to provide authorized encoded electronic transaction data, and the processor receives the authorized encoded electronic transaction data. The report module forms a report based on authorized encoded electronic transaction data.

Abstract: A system and method for performing a security check at a checkout terminal is disclosed. Various heuristics are utilized to verify that a customer or clerk has properly identified an item being purchased. In various embodiments, the weight or other physical characteristics of an item placed on a product scale are measured and compared with expected physical characteristics for the item. If a mismatch is detected between the actual physical characteristics and the expected physical characteristics, the transaction may be flagged for further investigation.

Abstract: Embodiments of the invention include systems, methods, and computer-program products that provide for an enhanced mobile application for assisting users at a point-of-transaction (POT). In one embodiment of the invention the POT assistance application program may determines that a user is conducting a transaction with a merchant. The user may utilize a user device to assist in the transaction. First, the user device may be paired with a POT system, such as a cash register. Once the devices are paired a communication link is created that allows the user to audibly and/or visually monitor the transaction using the user device. Furthermore, the user may flag an item for review during the transaction, silence the transaction, receive a subtotal for the transaction, select a payment method, or complete the transaction using the POT assistance application program.

Abstract: An audible based electronic challenge system is used to control access to a computing resource by using a test to identify an origin of a voice. The test is based on analyzing a spoken utterance using optimized challenge items selected for their discrimination capability to determine if it was articulated by an unauthorized human or a text to speech (TTS) system.

Abstract: An audible based electronic challenge system is used to control access to a computing resource by using a test to identify an origin of a voice. The test is based on analyzing a spoken utterance to determine if it was articulated by an unauthorized human or a text to speech (TTS) system.

Abstract: A system and method for processing retail transactions using a mobile device wherein a merchant has a mobile data processing device (such as a smart phone) into which he enters information about the transaction, then prepares a message to the processor of the transaction using a magnetic stripe reader coupled to his data processing device to provide a token which is authenticated by the processor of the transaction. The system may prepare a message regarding the transaction to a customer so that the customer may participate in the transaction, e.g., by entering an account number or PIN at his terminal, content which is used by the processor without being available to the merchant.

Abstract: An authentication system is provided that authenticates a member using the member's mobile terminal. The authentication system includes a mobile terminal, a shop computer, and a head office server. The head office server includes an authentication unit. The authentication unit compares member identification information read by the shop computer with member identification information stored in a member database. Additionally, the authentication unit compares a one-time password (OTP) password with the OTP of the mobile terminal generated by the server-side OTP generation unit and received from the shop computer. The authentication unit authenticates a member based on the results of the comparison. That is, the authentication unit authenticates a member as a valid member if the former member identification information and OTP match the latter member identification information and OTP.

Abstract: The present invention describes a method for performing one or more social engineering attacks on a plurality of humans connected in a network for assessing vulnerabilities of the humans, wherein the Network comprises at least one of a plurality of data processing devices, memory devices and a plurality of communication links. The method includes gathering information about human profiles including collecting information about target users from actively used social and search sites and performing an automated Social Engineering (SE) phase and updating an Information Model based on the gathered information. Furthermore, the method includes generating a Multiple Attack Vector (MAV) graph based on the information gathered and one or more scan parameters. Moreover, the method includes launching one or more social engineering attacks based on the MAV graph to assess vulnerabilities in the humans in the Network.

Abstract: An apparatus and method for configuring, altering, controlling, securing, and extending the processing capability and functionality of PCs and POS devices using a non-volatile memory device using software and data carried within the apparatus.

Abstract: Disclosed herein are systems and method for facilitating money transfer transactions between a sender and a recipient. In general, the systems and methods include: (a) a point-of-service terminal (POS) receiving an initiation payment from a sender; (b) a pre-funded account that receives replenish payments from the POS; (c) a money transmitter terminal that receives a funding payment from the pre-funded account, and provides a fulfillment payment to a recipient; and (d) a centralized service provider linking the POS, the pre-funded account, and the money transmitter. In operation, the centralized service provider (1) receives presentment data, from the POS, indicating that the sender has provided the initiation payment at the POS, (2) provides a computerized notification to the money transmitter, instructing the money transmitter to provide the fulfillment payment to the recipient, and (3) facilitates the replenishment of the pre-funded account.

Abstract: A payment processing system and method comprising a POS module providing an interface to effect sales of FGS in a retail environment, a device module operatively connected to at least one retail device configured to supply FGS and comprising a card reader adapted to receive a first payment card data for payment for the FGS, wherein the device module is adapted to control operation of the at least one retail device, and a payment system module operatively connected to the POS module and the device module, the payment system module adapted to validate payment for the FGS. The payment system module and the device module are separated from the POS module in order to segment a portion of the payment processing system configured to handle payment card data from a portion of the system that does not handle payment card data.

Abstract: Systems, devices, and methods for processing payment transactions are provided. In some embodiments, payment account information is stored in a mobile wallet by a configuration portal server, and payment tokens are transmitted to a mobile device. A payment token may be submitted by the mobile device to a merchant point-of-sale device as part of a transaction. The payment token may be transmitted to a mobile wallet registry system, which may use the payment token to obtain the payment account information or otherwise complete the transaction. In some embodiments, more than one payment account may be stored in a mobile wallet, and more than one payment account may be associated with a given payment token.

Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

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: Techniques for generating an alert based on absence of a given person in a transaction are provided. The techniques include monitoring, via video, a transaction, wherein the transaction includes presence of a given person in the transaction, relating the video of the transaction to a corresponding portion of a transaction log (TLOG), using the video and corresponding portion of the TLOG to detect if the given person in the transaction is present, and generating an alert if the given person is not present at the transaction.

Abstract: A portable handheld device for wireless order entry and real time payment authorization may include a portable housing, a display carried by the housing, an order entry input device carried by the housing, a transaction card input device carried by the housing for reading user sensitive information from a transaction card, a wireless transceiver carried by the housing, and a processor carried by the housing and connected to the display, order entry input device, transaction card input device and wireless transceiver. The processor may be for wirelessly sending input order information, and encrypting and wirelessly sending the user sensitive information from the transaction card without storing and without displaying. The processor may also be for wirelessly receiving and displaying payment authorization information based upon real time authorization from a transaction card issuing entity.

Abstract: The present invention comprises a system and method for remote shopping. A user connects to a networked system by means of a cellphone, PDA, personal computer, telephone, or the like. The networked system comprises a database of merchants, merchant locations, stocked items, available items, item prices, customers, customer locations, customer histories, delivery options, timing options, stored orders, executed orders, and associated data. By means of the networked system, a customer can browse items by availability, price, merchant, and the like, and carry out orders including payment and delivery terms. Order aggregation is implemented, whereby multiple users can aggregate items over time into a shared stored order, which is fmalized, paid for, and sent.

Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

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

Abstract: A computer implemented method, data processing system, and computer program product for managing transactions on point-of-sale terminals comprising a peer-to-peer network in a retail data processing system. A purchase transaction for a customer is initiated on a point-of-sale terminal in the system. Responsive to receiving a first input from a user of the point-of-sale terminal, the purchase transaction is suspended to form a suspended purchase transaction. Information about the customer is added to the suspended purchase transaction. The suspended purchase transaction is stored as a file on the point-of-sale terminal. Responsive to receiving a second input from the user of the point-of-sale terminal, a locally-stored list of suspended purchase transactions on the point-of-sale terminal is searched using the information about the customer.

Abstract: A wireless communications device is for communication with a point of sale (POS) device via a secure intermediary, the secure intermediary associating a unique POS identifier with the POS device, the POS device having a merchant account associated therewith. The wireless communications device includes a receiver module, and a memory configured to store account access information for a payment account. A processor is coupled to the receiver module and the memory, and is configured to determine the unique POS identifier using the receiver module. The processor is also configured to send the account access information to the POS device using via the secure intermediary and using the unique POS identifier, so that the POS device in turn causes a transfer of funds from the payment account to the merchant account.

Abstract: A method is provided for monitoring a register having an electronic journal associated therewith which resides on a hosting server separate from the register, and which receives records of all transactions occurring at the register. A secure, nonvolatile memory device stores sales transaction data for the register. If the memory device does not have sales transactions within a specified date range, then the memory device is marked as having been examined for transactions in the specified date range. If it is determined that the memory device does have sales transactions within the specified date range, then the memory device is marked as having been examined for transactions in the specified date range if the transaction data stored therein corresponds to the transaction data stored in the register's electronic journal for the specified date range; otherwise, a data recovery process is initiated, and a notice of the discrepancy is generated.

Abstract: One or more embodiments include a method of delivering a pharmaceutical product via a medium. The pharmaceutical product is associated with the medium and the medium assumes different values based on predetermined business rules. The method includes generating data in a database associated with a central computing station where the data identifies the medium and the product associated with the medium. The database is provisioned with the rules that determine the value of the medium. In response to the holder presenting the medium to a provider of the product for purposes of obtaining the product, a communication from the provider is received identifying the medium. A value for the medium is established based on the rules provisioned in the database. The value of the medium is updated, and that updated value is recorded in the database in response to the provider providing the product to the holder of the medium.

Abstract: Improved secure card packaging is provided which includes a concealed region within which an activation data field corresponding with a transaction card is located. The corresponding transaction card may be retainably disposed so that a proprietary account data field thereupon is not readable when the concealed region is selectively accessed. Upon accessing the concealed region, the activation data field may be read to activate the transaction card, e.g. at a point-of-sale location. Locating the activation data field within a concealed region reduces tampering risks. Tampering is further reduced by retained disposition of the transaction card so that the proprietary account data field is not readable prior to a purchase and card activation transaction.

Abstract: Various systems and methods are described for conducting and staging money transfer transactions from a vehicle. The systems and methods may include using a wireless transmitter on board the vehicle for wirelessly communicating with a money transfer system. Also, a user-input device integrated with the vehicle's navigation system, entertainment system, and/or climate system may be used. Using the wireless transmitter, the user-input device may interface with the money transfer system. Also, one or more identity authentication devices may be integrated with the vehicle that collect information to authenticate a user's identity.

Abstract: A financial transaction authentication server includes a wireless network interface that is configured to receive fund transfer requests from a buyer via a wireless communications terminal, a wireless terminal location module that is configured to identify the respective locations of the buyer and a seller, and a transaction authorization processor configured to authorize a transfer request if the geographic locations of wireless terminals of the buyer and seller are within a predetermined geographical proximity of each other. The wireless network terminal location module identifies the geographic locations of respective wireless terminals of the buyer and seller.

Abstract: A system and method for preventing personal identity theft when making online and offline purchases requires a purchaser to first subscribe and become a member user by registering and providing relevant personal identity information. Once registered, the member is assigned a user name and a password. The subscribing member's personal identity information is then encrypted and stored at one or more highly secure locations. The ID protection system obtains a controlled use card (CUC) through a CUC issuer on behalf of the member for use to make each purchase transaction. The CUC is anonymous with respect to user (member) identity and may be a purchase-specific single-use card or a multiple-use stored value card with no traceable connection to any other financial account. When the member makes a secure online purchase, the system software enters anonymous information (i.e. not revealing the member's real name, email address, billing information, etc.

Abstract: A sales data processing device of the present invention accepts operations by an operator, opens a drawer, and is provided with a history acquisition unit, a reference information acquisition unit and an irregularity detection unit. The history acquisition unit acquires a history of operations by the operator. The reference information acquisition unit acquires, from references of standard operations set in advance for each of operations that cause the drawer to open, the standard operation references for operations specified in the history. For each of the operations specified in the history, the irregularity detection unit finds a difference from the standard operation reference acquired by the reference information acquisition unit, and if the difference is of at least a predetermined level, detects that the operation is an irregular drawer operation.

Abstract: An electronic system and process for facilitating a financial transaction comprising a drop safe and a point-of-sale (POS) terminal, disposed at a retailer location, in communication with one another in which the POS terminal receives, from a user, a request to commence a drop request and, in response, instructs the drop safe to commence a drop request, whereupon after acceptance of the drop request the drop safe accepts, via a currency acceptor, currency that is identified and authenticated, and upon completion of the drop, the drop safe ascertains the total amount of accepted currency and transmits the ascertained amount to the POS terminal which then completes the transaction. The drop request may occur during a transaction with a customer for the purchase of goods or services or at other times. Other features are disclosed.

Abstract: A commodity accommodation apparatus comprises an accommodation unit configured to accommodate commodities, a shooting unit configured to shoot an image of the interior of the accommodation unit and a sending section configured to send an identification information for specifying one's own identity and the shot image to a commodity registration apparatus.

Abstract: A method and system for providing remote user access to secure financial applications by deployment of SSO software (126) to client workstations (120), including receiving a password for collaborating access to a secure server (110); navigating to the secure server (110) using a web browser (124) on a remote workstation (120); providing user authorization details and the received password to the secure server (120); generating a subsequent password at the secure server (110) upon validation of the user authorization details and received password; downloading an SSO deployment file (122) to the remote workstation (120), said deployment file (122) including the subsequent password; executing the SSO deployment file (122) to install an SSO client application (126) on the remote workstation; reading workstation settings and user credentials from a secure file or data store; and running the SSO client application (126) on the workstation to employ the user credentials and subsequent password to logon to the secure

Abstract: A system and method for transmitting communication data of a fixed line phone include acquiring the communication data of the fixed line phone, writing the communication data into a radio frequency identification (RFID) tag. The system and method further include establishing a communication between the fixed line phone and a handheld device using the RFID tag and a RFID reader of the handheld device, and transmitting the communication data in the RFID tag to the RFID reader.

Abstract: The present invention relates to systems and methods for securing web-based transactions. A system for securing web-based transactions includes a credential strengthener coupled to a client browser. The client browser communicates with a web server in a web-transaction. The credential strengthener converts a web credential entered by a user at the client browser to a higher entropy web credential associated with the user. The client browser then returns the higher entropy web credential for further use in the web transaction. A method for securing a web-based transaction includes steps of converting a web credential entered by a user at a client browser to a higher entropy web credential associated with the user, and returning the higher entropy web credential to the web server to continue the web transaction.

Abstract: A method and apparatus are provided for validating a transaction on a transactional terminal, the transaction being associated with a user. The method includes a step of decoding a validation code preliminarily generated and displayed by the transactional terminal, entered by the user in a validation message, and transmitted by a mobile device of the user to an entity of a telecommunications network to which the mobile device and said transactional terminal are connected.

Abstract: A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server.

Abstract: A method of providing customized articles can include providing a kiosk. The kiosk can include a housing, a first user interface, an inventory, a printer, a drawer, and a computer, which can communicate with the first user interface, the inventory, the printer, and the drawer. The method further comprises the steps of receiving an order for a customized article, processing the order with the computer, transferring at least one article from the inventory to the printer, printing the user-selected design on the at least one article, and transferring the customized article to the drawer.

Abstract: A user activity, which may be a credit card transaction or an on-line access, is approved based on the user's location at the time of the transaction or access. If the transaction or access is denied, the user may call or send a text message to the authorizing entity to permit the authorizing entity to determine the user's location. Then, the authorizing entity transmits a request to locate the user and receives location data indicating the location of the user in response thereto. If the user location is within a predetermined proximity to the location of the user activity, the user activity is authorized.

Abstract: An information processing apparatus and method configured to access multiple external storage medium. The apparatus and method detect theft or loss (or otherwise unauthorized use) of the information processing apparatus with respect to data stored in multiple storage areas, back up the data to the storage medium, and record, in association with each of the storage medium, an easiness degree indicating how easily a user accesses the storage medium. The apparatus and method calculate erasure priority rankings of the data stored in a manner that an erasure priority ranking is higher as an easiness degree is higher, record the calculated erasure priority rankings in association with each of the multiple storage areas, and erases the data stored in the multiple storage areas in accordance with the erasure priority rankings when detecting theft or loss of the information processing apparatus.

Abstract: A method for configuring a mobile communication device to perform transactions using a second communication channel that is different from a first communication channel through which the mobile communication device sends voice data. The method includes attaching a secure element to the mobile communication device. The secure element includes a memory storing an application, a processor configured to execute the application stored in the memory; and a wireless transceiver configured to send transaction data associated with the executed application through the second communication channel to a terminal that is remote from the mobile communication device.