Abstract: The systems, methods, and computer program products (collectively “systems”) described herein are generally configured to monitor actions in digital channels. More specifically, the systems described herein are capable of initiating a transaction with a transaction account based on an action in any suitable digital channel. The systems are capable of syncing transaction accounts with various digital channels. Moreover, the systems are capable of initiating or completing transaction based on user information. The systems may also be capable of providing rewards based on activities or accomplishments in the digital channels. Moreover, the systems may be capable of verifying activities based on transaction information.

Abstract: Systems and methods for management of an account switch are disclosed. An account switch management system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive a list of transaction entries to be switched from a first account to a second account and account information associated with the first account and the second account. The one or more processors may also determine a recommendation relating to a customer action based on the transaction entries and the account information. The one or more processors may provide the list of transaction entries and account information and the recommendation to the client device. The one or more processors may also receive a request from the client device to complete an action and transmit a notification to a processing device to complete the action.

Abstract: Examples discussed herein disclose, among other things, an encrypting device. The encrypting device may include a key engine to obtain a first key associated with a first access level, and a second key associated with a second access level. The encrypting device may also include a multi-key encryption engine to encrypt a first portion of the plaintext with the first key, and encrypt a second portion of the plaintext with the second key, where the first portion may include more detailed information than the second portion, and where the first access level may be higher than the second access level.

Abstract: The payment information may include the offers that are available on each of the plurality of payment accounts that are available to a user. In some embodiments, the payment accounts may be from separate issuers. The offers may be communicated to a user or a use may set preferences for a ranking scheme to be used and the best offer may be automatically applied by selecting to use the payment device related to the best offer.

Abstract: An intelligent vehicle charging system for charging a fleet of autonomous vehicles throughout a network of charging stations dispersed throughout a geographic area. The intelligent vehicle charging system includes a remote control system that is in operative communication with each of the autonomous vehicles in the fleet and each of the charging stations in the network. When an autonomous vehicle is in need of a power charge, or as directed by the remote control system, the remote control system will identify an available charging station, guide the autonomous vehicle to the charging station, verify that the autonomous vehicle has arrived at the charging station, initiate the power charging process, account and bill appropriate fees for the charging process, and log all associated activity. The remote control system is also capable of remotely and instantaneously terminating the power charging process to dynamically return a vehicle back to service.

Abstract: A method for token-based communication between extraneous applications and an electronic wallet includes: (1a) selecting items for storage in the core wallet by one or more extraneous application(s); (1b) sending information on the selected items to the core wallet by the extraneous application(s); (1c) displaying the selected items on the terminal by the core wallet; (1d) waiting for activation of at least one of the displayed items based on interaction of the user with the core wallet; (1e) retrieving, for each activated item, a token associated with the item in the extraneous application from which the item originates by the core wallet; and (1f) storing the tokens retrieved in step (1e) in a wallet applet installed on a secure element that is configured for wireless radio communication.

Abstract: A wireless device is enabled to process a transaction. In one implementation, the wireless device receives card data for a plurality of financial account cards and stores the card data in memory associated with the wireless device. The wireless device determines merchant information for the transaction and determines rewards benefit information for at least some of the plurality of financial account cards. The wireless device provides a suggestion of at least one of the plurality of financial account cards to use in the transaction based on the determined rewards benefit information.

Abstract: A system, method and computer program product for interfacing a decision engine and a marketing engine in order to provide vendor-related data in response to decision-related data is disclosed. In at least one embodiment, the system and method may include providing a decision engine on a user-accessible network, interfacing a marketing engine with the decision engine on the network; receiving a plurality of user inputs with the decision engine; processing decision-related data with the decision engine in accordance with the plurality of user inputs; sharing the decision-related data with the marketing engine; processing the decision-related data with the marketing engine; and transmitting vendor-related data via the network.

Abstract: Provide improved delivery of resources to a recipient entity when the recipient entity is involved in an interaction with a provider entity. One or more application programming interfaces (APIs) are utilized to identify delivery channels, and potentially substitute an original delivery channel with an alternate delivery channel. The present invention utilizes entity information, such as a recipient entity identifier, in order to determine recipient entity delivery preferences from a stored preference or from communications with the recipient entity. The system provides the resources to the recipient entity according to the preferences identified. A more efficient delivery of resources to the recipient entity is provided that improves the capacity, memory, and processing speed of the delivery systems and improve the ability to identify the identity of the recipient entity before the resources are delivered to the recipient entity.

Abstract: A method for authorizing and processing payment transactions over a network, the method comprising the steps of initiating, responsive to a user payment request to process a payment for a purchase on a merchants web site, a user interface, establishing a secure communication channel between the interface and an account server, the account server having stored a profile of an registered user, submitting, by the user interface, purchase information of the purchase order to the account server, requesting, by the account server through the user interface, authentication of the user, linking, at the account server, purchase information to the user profile, requesting, through the user interface, purchase confirmation by the user, requesting, by the user interface, a checkout reference for the confirmed purchase order from the account server, submitting, at least part of the purchase information and the checkout reference to a payment service provider to process the transaction.

Abstract: An access management element of a cellular network uses a network operator identifier to determine whether a user device is allowed to use a particular set of resources of the cellular network. When the access management element of the cellular network receives an attach request from a user device, the access management element queries an entitlement server to obtain a network operator identifier based on an identity of the user device. The access management element then determines whether to allow access by the user device to the particular set of network resources in the cellular network based on the network operator identifier.

Abstract: Some embodiments are directed to techniques for infrastructure analysis of Internet-based activity. Techniques are disclosed to enable analysts to spend more time focusing on analyzing and identifying threats to in a network infrastructure, and little time on data collection and data processing. Specifically, techniques are described for identifying network data relevant to Internet activity and providing an interactive interface (e.g., a “heat map” interface) for viewing and interactive analysis of the network data. The network data may be identified for assessing Internet activity with respect to one or more attributes, such as an Internet domain name or an Internet protocol (IP) address.

Abstract: Methods, systems, apparatus, including computer programs encoded on computer storage medium, for deploying an enterprise platform environment. In one aspect, the method may include providing a provisioning console, wherein the provisioning console includes a plurality of configurable enterprise platform configuration settings, receiving a provisioning request to generate a customized enterprise platform based on user-defined settings for each of the plurality of configurable enterprise platform configuration settings, generating an enterprise platform deployment package based on the user-defined settings, and provisioning cloud-based resources to establish an enterprise platform based on the enterprise platform deployment package.

Abstract: In an embodiment, upon receiving access credentials from a first entity, first information about the first entity is retrieved and used to determine a first service and a first service category of the first service provided by a first service provider to the first entity in the past. Based on the first service category, one or more first sub-categories associated with the first service are determined. Upon determining electronic data characteristics of received electronic data, it also is determined whether any of the electronic data characteristics matches one or more first sub-category characteristics of any of the one or more first sub-categories associated with the first service. If so, based on, at least in part, the electronic data, an updated first sub-category for the first sub-category associated with the first service is generated and transmitted to the first service provider for processing.

Abstract: Systems and methods are provided for receiving an encrypted payment payload from a digital wallet host, transmitting a low value token to a merchant, receiving an authorization request, requesting authorization for the transaction from an issuer financial institution using financial data from the encrypted payment payload, receiving an authorization decision from the issuer financial institution, and transmitting an authorization response to the merchant.

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: The present disclosure generally relates to user interfaces for managing peer-to-peer transfers. In some examples, a device provides user interfaces for initiating and managing transfers. In some examples, a device provides user interfaces corresponding to completed transfers. In some examples, a device provides user interfaces for providing visually distinguishable message object appearances based on message designation. In some examples, a device provides user interfaces for activating accounts for accepting and sending transfers. In some examples, a device provides user interfaces for exchanging accounts for use in a transfer. In some examples, a device provides user interfaces for splitting transfers between two or more accounts. In some examples, a device provides user interfaces for generating and displaying a transfers history list. In some examples, a device provides user interfaces for voice-activation of transfers.

Abstract: According to one embodiment, an image forming apparatus includes a memory and a controller. The memory stores identification information for identifying an installed developer container and first information associated with the identification information. The controller refers to association information which is stored in a server connected for communication to at least one image forming apparatus and includes information associated with the identification information for identifying the developer container used in the image forming apparatus and second information associated with the identification information. The controller performs control related to use of developer based on a comparison result between the first information associated with the identification information and the second information associated with identification information when the same identification information as the identification information stored in the memory is included in the association information.

Abstract: A system and method for mass market hedge fund investing is proposed that preferably works in conjunction with the U.S. Treasury's Treasury Direct program for direct investment in U.S. Government securities. A primary investment in a principal-guaranteed, fixed term financial instrument, such as U.S. Government securities, including U.S. Notes, Bonds and Treasury Inflation-Protected Securities (TIPS) having principal linked to the Consumer Price Index, wherein the principal is guaranteed to the extent of the full faith and credit of the U.S. Government, generates an interest income stream. The interest stream is electronically diverted to a separate account within an aggregated pool invested in a hedge fund over a predetermined time horizon. The fund is preferably run by an experienced chief portfolio strategist and a money-management team.

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: Systems and methods for sharing information from a first user account to a second user account selectively and seamlessly. The systems and methods can be implemented by server(s) that analyze electronic transactions between the first user account and the second user account to determine appropriate queries for the accounts for sharing information. Such queries can include queries for file permissions. Also, the server(s) can generate sharing instructions according to results of the queries. The server(s) can also select electronic content items for sharing according to the generated sharing instructions. And, the server(s) can direct storage of a copy of the selected electronic content items of the first user account into a data structure of the second user account, such that access by the second user account to the selected items from the first account is as seamless as accessing electronic content items originated by the second user account.

Abstract: A service controller includes a network interface for coupling to a local area network of a hospitality establishment, and one or more processors coupled to the network interface. The one or more processors are configured to detect a device identifier of a user device on a local area network of a hospitality establishment, determine whether a guest of the hospitality establishment is associated with the device identifier, and automatically activate a service for the user device at the hospitality establishment in response to detecting the device identifier on the local area network when a guest of the hospitality establishment is determined to be associated with the device identifier.

Abstract: A system and method are disclosed for secure storage of customer's public and private data in a personal data store. Companies communicate with a secure data storage server using a public encryption key linked to a registered IP Address, customers communicate with a private encryption key, and encrypted data can be stored using a variety of encryption keys. The personal data store can be used for preparing customer product views, linking personal data to avoid repeated customer data entries, customer identification and loyalty card linking. Encrypted stored data ensures no other person can read it.

Abstract: Systems, architecture of the systems, and methods for generating alert message are disclosed. A user enrolls in an alert messaging service. Information that the user provides during an enrollment process are sent into a database. the user performs a transaction using a portable consumer device. Transaction data are sent to a computer apparatus. The computer apparatus accesses the database containing alert customization data. An alert message is generated based on the transaction data and the alert customization data. The alert message is sent to a user device. The systems, resources and processes responsible for performing the transaction and providing the alert messages are separated so that the transaction processing and alert generation are performed in parallel by systems in communication with each other.

Abstract: A transaction card associated with a payment service may be purchased by a customer without the customer having a user profile with the payment service. The user scans a card identifier from the transaction card or from the transaction card's packaging using a mobile device, which then sends the card identifier to the payment service. The payment service may use the card identifier to generate a user profile that the payment service can automatically link to the transaction card. The user can track transactions made using the transaction card via the user profile.

Abstract: A system and method is provided for management of payee information. The method is performed at a management application on a mobile communication device and includes: receiving a token including information relating to a payee, the information including payment information enabling processing of a transaction to a financial account of the payee; storing the token or extracted payment information from the token in association with the management application; and transferring the payment information to a payment application operating on the mobile communication device, the payment application operable to process payment to the payee using the payment information. The payment information for each of multiple payees is stored and transferred to a payment application when required.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for signing digital transactions from multiple client devices using secured encrypted private keys associated with electronic accounts. One of the operations is performed by storing multiple encrypted private keys in a memory cache accessible by a primary device. Each of the stored encrypted private keys are associated with an electronic account. An electronic transaction which is associated with an electronic account is received from a secondary device. A particular encrypted private key from the stored multiple encrypted private keys is identified. The identified encrypted private key is transmitted to a decrypting service where the encrypted private key is decrypted. The electronic transaction is then digitally signed based on the unencrypted private key. Then the digitally signed electronic transaction is transmitted to the requesting secondary device.

Abstract: A device may determine a resource identifier for accessing a segment of streaming media content. The device may determine that a signature associated with the resource identifier is not stored in memory. The signature may be generated based on a character string of the resource identifier. The device may request validation of the resource identifier based on determining that the signature is not in memory. The device may receive the signature associated with the resource identifier based on requesting validation. The device may store the signature based on receiving the signature. The device may request the segment of streaming media content using the resource identifier and the signature, stored in memory, to receive toll-free access to the segment of streaming media content.

Abstract: A telecommunication service provider agrees to a prepaid plan including phone, text and data services, which it provides to a user through a mobile device of the user. A computing system of the telecommunication service provider can send a notification to the user's mobile device that refers to benefits and contains a launch prompt. When the launch prompt is selected by the user, an application program is automatically launched in the mobile device, or a browser in the mobile device is automatically navigated to a website, which prompts the user to identify herself using personal information. In response, the computing system can signal the mobile device to display to the user an offer of i) a pre-bundled group of, or ii) an individually selectable variety of, products or services.

Abstract: A method of authorizing a transaction involves a computer server authenticating a payment cardholder from a cardholder credential, and receiving a request from a communications terminal to initiate an online transaction with the server. The server communicates with a database of clusters, each uniquely associated with a respective cardholder and identifying an authentication card and a partial payment card number. The server requests an authentication credential from the terminal in response to determining that the requested transaction possesses a high risk of fraud. The server receives the requested authentication credential, and uses the cardholder and authentication credentials to locate the authentication card uniquely associated with the cardholder and the authentication credential in the database. The authentication credential has fewer digits than the account number of the located authentication card.

Abstract: Techniques are described for managing risk in a network that includes one or more Internet-of-Things (IoT) devices. Management module(s) may operate to determine a model for an IoT in a home, office, or other environment, the model describing typical operations of the device(s) that are connected over an IoT. The operations of the IoT devices may be monitored for compliance with the model. The management module(s) may detect instances when one or more IoT devices exhibit behaviors that are a deviation from the normal operations indicated in the model, such as device failures. A policy may operate (e.g., as a smart contract) to transfer value to a user account in response to detecting an operational deviation of IoT device(s).

Abstract: The present invention includes various novel systems and methods for communication in a network. A System Environment Monitor is employed in some embodiments to extract from the network both real-time and historical Network Metrics at the Infrastructure Layer, as well as Application Metadata at the Application Layer. Network analytics facilitate decisions based upon the differing characteristics of Application Components and lower-level hardware components across multiple DTTs. In response, an SDN Controller generates modified sets of SDN Flows, and implements them in real time across a mixed technology (multi-DTT) network in a manner that avoids disrupting existing SDN Flows and other real-time network traffic.

Abstract: New wireless power transmission techniques are disclosed. In some aspects of the invention, a system distributes wireless power from a power and information transmitting base station, through a network of intermediate wireless power enhancement and consumption devices, each of which may be independently owned and controlled. The system may assign invoices comprising monetary credits and debits, based on each device's use or enhancement of the wireless power provided through the network. Other power storage and transmission techniques are also disclosed, including a new form of universal battery, with variable space-filling aspects and a central battery core with improved, flexibly-applied contacts.

Abstract: Embodiments of the present invention include transfer account machines, computer program products, and associated computer-implemented methods of providing prioritized payments from the proceeds of automatic or direct deposits. Embodiments of the present invention include routing automatic deposit information to a financial institution computer managing a prioritized payment program and formulating an outgoing file with both an entry for an automatic deposit destined for a customer account and an entry for a pre-authorized prioritized payment to a select creditor, so that the automatic deposit is credited to the customer account and relatively instantaneously any prioritized payment is debited from the customer account. According to embodiments of the present invention, the customer account can be a prepaid card account so that a customer has effective access on the prepaid card only to a net value of funds.

Abstract: A portable device is provided. The portable device may include a display; an input device; a camera; a processor coupled to the display, the input device, and the camera; and a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor, to implement a method comprising: receiving authentication data from the input device, determining whether the received authentication data matches authentication data associated with an authorized user, and displaying, on the display, a credential, an item, and data associated with the item.

Abstract: Methods and systems for processing booking transactions are provided. A server received a transaction request to book an asset for a time period. The transaction request comprises a token identifier assigned to the asset and data identifying the time period. The server then identifies token data associated with the asset based on the token identifier and determines availability of the asset during the time period based on the token data. If the asset is available for the duration of the time period, the server maps the token identifier to an account identifier and sends a request to credit an account identified by the account identifier to a server of an issuer of the account.

Abstract: A method includes electronically receiving at a user device of a second party a digital promise to pay a certain amount of money in exchange for goods or services from the second party, the digital promise to pay being generated by a user device of a first party; electronically sending a request from the user device of the second party to a user device of a third party to electronically transfer the digital promise to pay to the user device of the third party in exchange for goods or services from the third party. Sending the request includes sending at least one set of preferences defined at least by the first party. The method further includes electronically receiving at the user device of the second party from the third party one of an acceptance or a rejection of the request to transfer the digital promise to pay.

Abstract: Methods and systems of generating payees from paper check deposits are disclosed. A financial institution computing system includes a data storage system, a network interface logic enabling the financial institution to exchange data over a network, a check processing logic, and a payment transaction logic. The check processing logic obtains payee information using a paper check deposit request submitted by a recipient. The payment transaction logic uses the payee information to create and store the potential payee in the data storage system.

Abstract: A method for processing a reservation includes: receiving reservation information, the information including a preauthorization amount, payment information, merchant identifier, and predetermined period of time; storing the information; identifying a unique identifier associated with the information; transmitting the unique identifier and predetermined period of time to a merchant associated with the merchant identifier; receiving data identifying, within the predetermined period of time, fulfillment of the reservation; and transmitting the information for payment of a transaction using the payment information.

Abstract: A method of processing a payment instruction including: receiving a payment instruction from a user, the payment instruction including payment details and an electronic signature, the electronic signature being destroyed if the content of payment instruction is altered; checking presence of the electronic signature and confirming integrity of the payment instruction when the electronic signature is present; wherein in event the integrity of the payment instruction is confirmed, the method: i) stores the payment instruction in a first storage unit using a relational database management system (RDBMS); ii) replicates the payment instruction and stores the replicated payment instruction in a second storage unit using the RDBMS; and iii) transmits an acknowledgement signal to the user once the payment instruction has been successfully stored in the first storage unit and the replicated payment instruction has been successfully stored in the second storage unit.

Abstract: A system comprises an expected bad debt generator for generating probabilities of bad debt based on payer, types of services and or products rendered, and account information; a contract modeling engine for generating contractual adjustment factors based on contracts between payer and service providers, a gross net conversion generator for generating gross net conversion factors based on payer and account information; a priority calculating engine for prioritizing accounts and batches of accounts; a collector assignment engine for assigning the accounts to one or more collectors based on a predetermined collector assignment algorithm; an account batching engine for grouping accounts into batches for the purpose of best utilizing payer contacts; and a worklist generator for generating a worklist for each collector, the worklist identifying a prioritization order of one or more payers for the collector to contact to collect debt, the prioritization order being based on a predetermined prioritization algorithm.

Abstract: Tools for providing bill aggregation and/or payment services. In an aspect, such tools aggregate all payments over a given period of time, allowing a user to make a single payment to ensure that all appropriate bills are paid in timely fashion. In another aspect, the tools determine, without requiring user input, an amount due on each bill, as well, in some cases, of a due date for each payment. Optionally, the tools can provide a consolidated statement to inform the user of payments to be made over a given period. Such statements can provide a varying level of detail, depending on the implementation and/or on user preferences. In some cases, a consolidated statement might provide line items and/or detailed support for each payment to be made. In other cases, the consolidated statement might simply provide a single consolidated payment amount.

Abstract: There are provided systems and methods for localized identifier broadcasts to alert users of available processes and retrieve online server data. A user may visit a merchant location and engage in a transaction to purchase items from a merchant at the merchant location. The merchant may wish to alert the user of various payment methods, include payments through a payment application of the user's device using a received identifier for retrieval of an online invoice with a service provider. The merchant may utilize a merchant device to broadcast a location awareness identifier to alert the user of availability of payment processes with the service provider. Additionally, once the online invoice is generated for a transaction, the merchant device may broad cast a payment terminal request identifier that allows the user to retrieve the online invoice using data associated with the identifier and a location for the merchant.

Abstract: An improved point of sale terminal and method of operation thereof providing new personal financial management support features thereto including receiving payment for a transaction amount from a user includes means for receiving from the user a primary account number associated with a primary account having a plurality of subaccounts each having a subaccount indicator and means for receiving from the user a user selected subaccount indicator from among the plurality of subaccount indicators for processing of the transaction amount. The system also includes means for transmitting the primary account number and the subaccount indicator as received from the user to a financial institution for payment authorization of the transaction amount and means for receiving authorization from the financial institution responsive to the transmitting.

Abstract: An improved procurement system and method are provided.

Abstract: The system may be configured to determine, via a verification and monitoring module, identity information for a user in a channel. The system may monitor activity information in the channel. The activity information may be analyzed to determine that the activity information corresponds to an activity associated with the user. The system may also analyze the activity information to determine that the activity information is associated with an item in the channel. The system may identify the item. The system may also initiate, via a transaction processing system, a transaction for the item in response to the analyzing the activity information.

Abstract: An embodiment of the invention has been made to solve a problem that it is impossible to store externally transmitted job information if a printer apparatus is in a hard-off state and it is, therefore, necessary to store the job information in an external apparatus on the transmission side. In the embodiment, a wireless communication unit which can transmit/receive data even if no power is supplied receives job information from an external terminal, and stores it in a non-volatile memory. When an information processing apparatus is supplied with power, and enters a normal activation state, it executes the job stored in the non-volatile memory.

Abstract: A point-of-sale terminal includes a card interface, and is configured to receive a plurality of pre-authorization requests, each comprising an authorization and further comprising an account number received from the card interface. The terminal is further configured, in response to each said pre-authorization request, to locate in a pre-authorization database a database record associated with the respective account number, confirm that the respective authorization amount is not greater than an offline authorization threshold, generate an authorization confirmation message comprising the respective account number and the respective authorization amount, and save the authorization confirmation message in a clearing database. The terminal is further configured to generate a clearing payload comprising the plurality of saved authorization confirmation messages, and transmit the clearing payload over a computer network.

Abstract: Systems, methods and computer-readable media for initiating, facilitating and/or performing financial transactions are disclosed. A request associated with a financial transaction may be received on behalf of a requestor. At least one financial account to be debited and at least one financial account to be credited in connection with the financial transaction may be identified based on information included or provided in association with the request. Respective payment networks that provide access to the financial accounts may be identified. One or more of the financial accounts may be accessible in real-time via a respective payment network. A respective debit or credit instruction may be transmitted to each of the identified payment networks to post a debit or credit to a corresponding financial account. Corresponding debit and/or credit status information may be received, and various status indications may be generated and transmitted, potentially for presentation to the requestor.

Abstract: Systems and methods for blending a plurality of swaps may include determining a fixed rate for use in blending a plurality of swaps, each of the plurality of swaps having matching economics and a different associated fixed rate. A computing device may determine a first remnant swap for blending fixed rate components of the plurality of swaps using the fixed rate. In some cases, the computing device may determine second remnant swap for blending floating rate components of the plurality of swaps based on the first remnant swap.