Abstract: A system, method, and computer-readable storage medium configured to split a payment card transaction into separate channels with a merchant bill message and cardholder payment message.

Abstract: An apparatus includes a communications module that establishes a telephonic connection between a customer service representative of a company and a customer through an electronic device. An identification module receives an identifier that alerts the customer service representative and/or a computer system of the company that the customer has a customer profile that includes information to identify the customer. The identifier is received in conjunction with the telephonic connection. The customer profile is stored previous to the telephonic connection. An ID request module sends a request to the customer to provide identifying information via the electronic device of the customer. The identifying information is input to the electronic device by the customer using an electronic, non-verbal technique. An ID confirmation module receives an identification confirmation in response to the identifying information input by the customer matching the information to identify the customer in the customer profile.

Abstract: Machine, methods, and program product for facilitating electronic inventory tracking and management of products through messaging over a payment network, are provided. An example includes an inventory management computer in communication with a merchant POS apparatus or terminal over an existing financial services payment network and configured to receive and process purchase transaction data associated with a product being purchased, for use by a product provider. The computer can include electronic inventory management program product configured to perform various operations including receiving a purchase transaction message sent through the payment network, storing purchase transaction data, and notifying a product provider of the purchase transaction data.

Abstract: Introduced here is a technology that enables a bill payer, who is an account holder at a financial institution (e.g., a bank), to send a bill payment to a bill payee by submitting, via a financial application of the financial institution, the bill payee's identifier and a bill payment amount, where funds for the bill payment amount are transferred directly to the bill payee substantially instantaneously upon the bill payer's request. The technology involves communication between a computer system of a financial institution (“financial institution system”), a mobile financial application installed on a bill payer's mobile device, and a third-party, remote computer system of a payment service (“PSS”). Upon receiving the identifier and amount from the financial institution system, the PSS identifies payment card information of the bill payer and the bill payee, and executes, or triggers execution of, the transfer of funds for the bill payment.

Abstract: A system for worldwide cloud-based testing of mobile applications includes a plurality of mobile computing devices geographically distributed across a plurality of different countries. One or more servers are connected with the mobile computing devices over one or more networks. The one or more servers run a program for playback of a test composition which includes a timed sequence of clips on the mobile computing devices. The timed sequence of clips include one or more messages each of which instructs a precise gesture-based action applied to at least one object displayed on the touch-sensitive display screen. The precise gesture-based action corresponds to a functional aspect of the mobile application and consists of a plurality of data elements previously captured from inside the mobile application while the mobile application was subject to the gesture-based user input entered via the touch-sensitive display screen.

Abstract: Systems and methods that enable scalable, cost-effective payment reconciliation between owners of devices at least temporarily connected in or to a particular low-power, ad hoc mesh network.

Abstract: An apparatus includes a communications module that establishes a telephonic connection between a customer service representative of a company and a customer. An identification send module sends an identifier that alerts the customer service representative that the customer has a customer profile that includes information to identify the customer. An ID request receiver module receives a request to provide identifying information via the electronic device and displays the request to the customer. An ID input module receives the identifying information from the customer and masks the identifying information from the customer service representative. An ID comparison module compares the identifying information input by the customer with the information in the customer profile.

Abstract: A method for correcting a payroll error in a payroll of an employee includes calculating a value range of a payroll component based on the payroll of the employee for a pre-determined number of prior payroll periods, comparing a current value of the payroll component for a current payroll period and the value range to generate a difference, identifying an irregularity parameter associated with the payroll component in response to the difference exceeding a pre-determined threshold, wherein the irregularity parameter relates to a pre-determined mechanism capable of causing the payroll error, analyzing the difference using a pre-determined rule based on the irregularity parameter to determine whether the payroll error exists, and in response to determining that the payroll error exists, and correcting the payroll error prior to releasing the payroll for the current payroll period.

Abstract: A method includes generating a service discovery frame at a first electronic device of a data link of a neighbor aware network (NAN). The service discovery frame may include an attribute identifying a subset of electronic devices of the data link as recipients of data from the first electronic device during a transmission window or identifying a time period corresponding to data announcements and timing information of data transmissions corresponding to the data link. The method further includes transmitting the service discovery frame to electronic devices other than the first electronic device.

Abstract: A method performed in a first network node, includes the first network node receiving, from a second network node, a request specifying a user account and a media content. The method further includes the first network node retrieving, from a database, a database object associated with the user account, the database object including a first parameter associated with a non-monetary balance. The method further includes the first network node retrieving, from the database, at least one predefined rule associated with the media content. The method further includes the first network node determining an advice of charge using the database object and the at least one predefined rule, the advice of charge specifying a deduction from the non-monetary balance for downloading the media content. The method also includes the first network node transmitting the advice of charge to the second network node.

Abstract: A method including entering individual-associated data bits (IDBs) into a computerized system, the set of data of each of the IDBs including at least one personal identifier of an individual and relationship data including data on one or more related individuals and the nature of the relationship, processing the entered IDBs on a processor, generating an individual-identifier data set (IDS) for each identified individual or one of the related individuals having data in the processed IDBs, and storing IDSs of identified individuals in a database.

Abstract: An approach is provided for indirectly connecting a customer's mobile smart device to computers located at a business when the customer is making a purchase at the business. The customer's mobile smart device and the business's computers communicate over the Internet with a customer interaction manager executing on an Internet server. This provides an easy to use interface for the customer and allows the customer to receive information and send requests to the business without having to wait for personnel working at the business to be available.

Abstract: A processing server may receive transaction data from one or more point of sale (POS) terminals in near real-time. Transaction data received from each of the POS terminals may be in a format that is specific to the POS terminal. Upon receiving the transaction data having the POS specific format, the processing server may convert the transaction data to a common format that is compatible with the operations of the processing server. Further, the processing server may index the converted transaction data into one or more categories. Responsive to indexing, the processing server may generate aggregate data from the indexed transaction data. Further, the processing server may receive a request for a data report associated with the aggregate data. Responsive to receiving the request, the processing server may generate the data report, format the data report to match a user preference, and transmit the data report for presentation.

Abstract: A workroom is automatically established for each job created and is associated with a unique email address. The workroom allows members to hold live meetings, communicate in real-time, including via email, upload/manage/share files, and automatically provide transcripts of communication. The workroom also allows team members to launch work trackers directly from the workroom. A work tracker collects work information and directly generates one or more status reports based on the work information collected. A status report includes a back-end version viewable and modifiable by a service provider and a front-end version viewable by a buyer. The status report directly generates an invoice based on the information from the status report. The invoice is submitted to the buyer and allows the buyer to directly pay the service provider.

Abstract: At a computing device, optionally located in communication with an intermediate node in an electronic bill payment system, access is obtained to a data structure including a plurality of valid customer account numbers for customers of a biller that utilizes or desires to utilize the electronic bill presentment and payment system. With the computing device, each character of each of said valid customer account numbers is replaced with a wild card in accordance with a normalization scheme, to obtain a plurality of normalized valid customer account numbers. At least one pattern of said wild cards in said plurality of normalized valid customer account numbers is designated as a recommended account mask.

Abstract: Methods and systems for making a financial payment to a payee via a stored value (SV) card utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). The mobile device communicates wirelessly with a mobile financial transaction system (MFTS) that stores user information and transaction information. A user enters information via the mobile device identifying a payee and indicating a stored value card payment method. The mobile device generates a mobile payment instruction that includes information corresponding to the identified payee and indicating a stored value card payment method. The mobile payment instruction is wirelessly communicated to the MFTS. The MFTS generates an MFTS payment instruction to a payment instruction recipient that can issue a new stored value card and/or reload funds onto a pre-existing stored value card.

Abstract: A system and method comprising receiving a request to access a first set of details associated with a first transaction conducted by a user, the request including first information that corresponds to a first asset under the control of the user, determining an identity of the user based at least in part on the first information, and identifying a second transaction likely to be associated with the user, the second transaction being associated with second information that corresponds to a second asset different than the first asset. The system and method further including requesting confirmation from the user that the second asset is under the control of the user, and, upon receiving the confirmation, associating the first and second transactions with the first and second information.

Abstract: A user captures an image of a payment card via a user computing device camera. An optical character recognition system receives the payment card image from the user computing device. The system performs optical character recognition and visual object recognition algorithms on the payment card image to extract text and visual objects from the payment card image, which are used by the system to identify a payment card type. The system may categorize the payment card as a credit card or a non-credit card. In an example embodiment, the system determines that the payment card type is a credit card and transmits fee structure to the user. The user selects a second payment card for use in the transaction and the transaction is processed using financial account information associated with the second payment card.

Abstract: Methods of managing access to systems of an organization are provided. The methods include creating a unique identifier for a user, the unique identifier having an associated user profile for the user and being stored with the associated user profile in an identifier repository associated with the organization; requesting at least one account for the user on at least one system of the organization responsive to the creation of the unique identifier for the user, wherein the at least one account is defined based on the user profile of the user associated with the unique identifier; and generating the at least one account for the user on the at least one system of the organization responsive to the request. Related systems and computer program products are also provided herein.

Abstract: A system that incorporates the subject disclosure may include, for example, a system for receiving a request to modify a universal integrated circuit card, generating a package comprising configuration data for modifying the universal integrated circuit card, encrypting the package with a transport key to generate an encrypted package, transmitting the encrypted package to a communication device communicatively coupled to the universal integrated circuit card to provision the universal integrated circuit card, and providing a mobile network operator trusted service manager system information relating to the configuration data to enable the mobile network operator trusted service manager system to manage content and memory allocation of the universal integrated circuit card. Other embodiments are disclosed.

Abstract: An item-providing system supplies items to a user device for consumption at the user device via communication infrastructure. The device may correspond to a book reader device or other type of device. The item-providing system uses a content delivery module to deliver the items to the user device.

Abstract: Embodiments of the present invention provide a system and method for collaboratively planning an event via a collaborative event planning application. The collaborative event planning application may be accessed via user terminals connected to a network such as the Internet. Individual aspects such as theme, date, location, attire, travel, and lodging pertinent to the event and group discussion may be edited by a host, designated co-hosts, and invitees. Hosts and invitees may also make decisions regarding the event by voting. The collaborative event planning application may also periodically suggest vendors and provide notifications and recommendations based on the event details and preferences of the users.

Abstract: When a merchant sells goods or services in a sales transaction, a merchant device can generate a bill. The bill includes an itemized list of the goods and services, a price for each item, and an identifier of the sales transaction. A first customer and a second customer split the bill using a first customer device and a second customer device, respectively. The first customer device establishes communication between the first customer device and the merchant device. Using the identifier of the sales transaction, the first customer device pays a portion of the itemized list of the goods and services at the merchant device. The second customer device establishes communication between the second customer device and the merchant device. Using the identifier, the second customer device pays a remaining portion of the itemized list of the goods and services at the merchant device.

Abstract: An apparatus includes a communications module that establishes a verbal communication between an automated attendant of a company and a customer through an electronic device in the possession of the customer. An identification module receives an identifier that alerts the automated attendant and/or a computer system of the company that the customer has a customer profile stored electronically. The customer profile includes information to identify the customer. The identifier is received in conjunction with the verbal communication, and includes an electronic data signal. The customer profile is stored previous to the verbal communication. An ID confirmation module receives an identification confirmation in response to identifying information input by the customer matching the information to identify the customer in the customer profile. The identity of the customer is confirmed electronically.

Abstract: A numbering system is provided having an identifier with hexadecimal, vigesimal, quadrivigesimal, or any other suitable alphanumeric characters includable on a card and an account identifiable using the identifier. The card can be a gift card, a customer loyalty card, or a customer incentive card. An interface may be connected to a communications network that is accessible to associate the identifier with an account and manage funds associable with the account. Funds data may be associable with the account and storable on the remote server, the funds data relating to the funds transferred by a user to a card issuer. The identifier may be storable on the card in an electronically readable format, and may be included on the card via printing and/or imprinting. A method is provided for using the numbering system.

Abstract: Methods and systems for determining prices of customized virtual machines required to process customer-specified workloads are disclosed. A count of instances of the customized virtual machines, required to process the customer-specified workloads is determined, based on a configuration of the customized virtual machines. The instances of the customized virtual machines are consolidated on virtual machine servers. Further, the prices of the customized virtual machines are determined based on a count of the virtual machine servers, unused resources in the virtual machine servers, and unused resources in the customized virtual machines. The determined prices are recommended to the customer. Further, at least one of the prices of the customized virtual machines or the configuration of at least one or more customized virtual machines is modified, based on a response to the recommendation received from the customer.

Abstract: Systems, methods, and apparatuses for providing a portable consumer device (e.g., a plastic card) that includes a coupon code and an account number (e.g., embedded on a magnetic stripe or a chip) where the portable consumer device is configured to apply a coupon to goods and services purchased at a merchant (e.g., store). Upon identifying the goods and services under a particular category specified by the coupon code (e.g., healthy food category), a user may pay for a predetermined portion (e.g., 50%) of the goods and services under the particular category using the portable consumer device. The user may pay for the remaining portion using a benefits card (e.g., state benefits card). As such, by allowing the user to pay for the predetermined portion using the portable consumer device, the user has incentive to purchase goods and services that fall under the particular category.

Abstract: The present disclosure involves systems, software, and computer implemented methods for sending payment requests to one or more persons or entities based on images in which the persons or entities appear. In one example, the process may include identifying an image associated with a payment request, the identified image containing at least one recipient associated with the payment request, and wherein the payment request includes a value, analyzing the identified image to identify the at least one potential recipient of the payment request, identifying contact information associated with the at least one identified recipient of the payment request, and sending the payment request to the at least one identified recipient of the payment request via a destination associated with the identified contact information.

Abstract: A method for validating payment information for an online transaction is provided. A payment server can receive two representations of the same payment information. The payment information can be validated if it is determined that the two representations match. If there is no match, or the payment information is otherwise invalid, the payment information can be repaired based on a trusted representation of the payment information, such as stored payment information or an image of an associated value token. Payment information can be received via one or more communication channels, and can be provided by one or more consumer devices. A merchant service provider can validate payment information and handle transaction processing on behalf of a merchant.

Abstract: In some examples, an account is provisioned onto an electronic device. In some examples, the device receives a value to fund the account provisioned on the electronic device. In some examples, the electronic device transacts with a contactless transaction terminal using the provisioned account and displays an indication of the transaction. In some examples, the electronic device transmits information corresponding to the provisioned account without checking for authentication. In some examples, the device receives user input initiating a process for moving the account from a first device to a second device. In some examples, the device receives account payment credentials from a second device when a set of payment criteria are met.

Abstract: A method of initiating a consumer transaction using a human interaction device to read voice or human based gesture actions is disclosed. Video data is transmitted from a processing device to a display device. The video is monitoring for event data corresponding to a plurality of consumer products or services, and monitored event data is received in the processing device. A consumer is notified on the display device of an eligible consumer transaction. Voice or human based gesture actions are read with a human interaction device and are analyzed. If the voice or human based gesture actions conform to a predetermined set of requirements, then a consumer transaction for the plurality of consumer products or services is initiated.

Abstract: A system, method and device for customizing online merchant payments for mobile devices without merchant integration are provided. In an embodiment, a mobile device monitors a state of a web-based session between the mobile device and an online merchant and detects and intercepts a payment form received from an online merchant for entering payment information to complete a purchase transaction with the online merchant. The mobile device displays a list of one or more payment types available for selection to complete the purchase transaction. The user selects and payment type and the mobile device retrieves associated payment information from a server based on the payment type selected by the user. The mobile device populates fields of the payment form with the retrieved payment information, displays the populated payment form to the user for confirmation to complete the purchase transaction, and submits the populated payment form to the online merchant.

Abstract: A method conducting financial transactions over a computerized network, which includes conducting awareness propagation such that capital movement over a participant system-network is optimized.

Abstract: A message transmission method includes steps of receiving a identifier of a first wireless transmitter by a first portable device; transmitting associative message of the wireless transmitter by the first portable device; retrieving the identifier of the targeted wireless transmitter according to the identifier transmitted by the first wireless transmitter; linking the associative message of the wireless transmitter with the identifier of the targeted wireless transmitter; verifying the identifier of the targeted wireless transmitter with a identifier transmitted by a second wireless transmitter and received by a second portable device to confirm whether the identifier is the same or not; and if the identifier is the same, the second portable device retrieves wireless transmitter associative message which is associative to the identifier of the targeted wireless transmitter for later application.

Abstract: The technical field includes machine, manufacture, process, and product produced thereby, as well as necessary intermediates, which pertain to power sources, units thereof, computer systems used to facilitate operation of one or more power sources.

Abstract: A method is permitted to permit remote log in credential authentication for mobile users seeking access to a computer system through a second party computer system such as an aggregator.

Abstract: A system and method for straight through payment processing when the merchant is known but the merchant's payment card acquirer is unknown. Payment instructions from a payee to the merchant are normalized for a target acquirer system which is selected either at random, based on business logic and data, or based on successful past straight through payments. Payments are attempted for each acquirer successively until a successful payment notification is received. The link to the merchant and acquirer is then saved for subsequent straight through payments to that merchant.

Abstract: A method includes receiving a first account indicator, where the first account indicator identifies a first financial account. The method further includes receiving a second account indicator, which identifies a second financial account. Still further, the method includes receiving a split signal, which indicates how future transactions are to be divided between the first financial account and the second financial account. The split signal may have been generated in response to interaction by an account holder with a slide-bar display element of a user interaction screen display.

Abstract: Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers.

Abstract: A method and apparatus are herein disclosed for allowing suppliers to generate an invoice from a purchase order without requiring them to log in or pre-register with a networked application. Implementation is provided by having a first user provide a first document to a networked application. An electronic notification is dispatched to a receiver for the first document with a unique link to a data entry page within the networked application. The data entry page is sandboxed with limited functionality within the networked application, but accepts data from the receiver to be sent directly into the first user's system.

Abstract: A revenue share analysis module can determine individual session revenues for content items provided by content providers. The module can also determine total session content revenues for each of the content items according to the determined individual session revenues, and determine respective content values for each of the content items according to the determined total session revenues for each of the content items. It also may determine total session provider revenues for each of the content providers according to the determined total session revenues for each of the content items, and determine respective provider values for each of the content providers according to the determined total session revenues for each of the content providers. Also, it can determine revenue share offers according to the content values and/or the provider values.

Abstract: A software- and/or hardware-based transaction manager that reflects the application program interface(s) and/or system(s) for establishing sessions used to commit to, rollback and/or execute multiple payments made pursuant to a single financial transaction. This is accomplished by sharing sessions through co-browsing, or by continuous event logging and maintaining synchronous payments across a group of users in order to support the lifecycle of each individual payment and session along with completion responsibility of the overall transaction.

Abstract: The invention relates to systems, methods and computer-readable medium for handling email communications. A system includes server(s) configured to execute a recipient registration and profile maintenance component that stores recipient registration details including a recipient-required donation amount; an email processing component that (a) receives an email message, (b) determines a sender key representing a sender of the email message, (c) checks the sender key to determine if the sender is recipient-approved, (d) stores the email message in an inbox of the recipient if the sender is recipient-approved, and (e) if the sender is not recipient-approved, stores the email message in a pending donation space of the recipient and emails a donation request to the sender; and a donation confirmation processing component that receives a donation confirmation and stores the email message in a post donation space of the recipient.

Abstract: A method and system for verifying a target attribute of a company profile record. It is ascertained that a database stores the company profile record including the target attribute and a validity attribute associated with the target attribute. The validity attribute has a VALID or INVALID value respectively indicating that the target attribute in the company profile record has a valid or invalid value within the database. It is insured that the database stores a first and second user profile record, that a first user of a requisition transaction corresponds to the first user profile record, that the first user profile record includes the target attribute having a value identical to a value of the target attribute of a first company profile record associated with a first company represented by the first user, and that the validity attribute of the first company profile record has the VALID value.

Abstract: A method for automatically generating service usage information in a telecommunication network, wherein the service usage information relates to a group of telecommunication transmission devices requesting a plurality of different types of telecommunication services on the telecommunication network, includes: for each request event of a telecommunication service of a telecommunication transmission device of the group of telecommunication transmission devices requested on the telecommunication network, generating an entry of the service usage information, wherein at least one type of the plurality of different types of telecommunication services is associated with each entry; and generating an aggregate entry, wherein the aggregate entry relates to the entries of the service usage information, and wherein the aggregate entry comprises aggregate information on each type of the plurality of different types of telecommunication services.

Abstract: A computer generated method disclosed. The method includes examining a print job data stream spooled in a spooled print production file, identifying one or more white space regions within documents in the print production file and inserting content into each of the white space regions.

Abstract: An automated calling system authenticates and subsequently communicates via a telephone network with a person such as a current or prospective customer. The communication may be in regards to an account having an adverse account status (e.g. a payment delinquency, an overdrawn checking account, being over the credit limit on a credit card, excessive transactions on one account, suspicious or fraudulent transactions on an account, and so on).

Abstract: Technologies are described herein for a payments portal. A payments portal can be configured to support payments by generating and embedding widgets in webpages hosted by merchant sites associated with a marketplace. The widgets can provide specific payment functionality for users, thereby providing consistent payment experiences across merchant sites without updating the merchant sites. The widgets can be dynamic or static. Interactions with the widgets can cause a browser displaying the widgets to access data hosted by the payments portal and/or other systems, devices or services in communication with the payments portal.

Abstract: A system and method in accordance with example embodiments may provide a user-loadable stored value card. Additionally, a system and method in accordance with example embodiments may allow an institution to receive a user-loadable stored value card activation request from a sender, activate a user-loadable stored value card using the information received in the activation request, and provide card management capabilities to the sender.

Abstract: A system and method for a trusted fulfillment agent network system is described. A network of trusted fulfillment agents is generated for a seller in an online marketplace. A transaction between a buyer and the seller corresponding to a listing of the seller in the online marketplace is accessed. A request is generated to the network of trusted fulfillment agents of the seller to fulfill a shipment of an item from the listing to the buyer on behalf of the seller.