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: 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 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: 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 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 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 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: 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: 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: 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.

Abstract: In a bill payment and presentation system, a method for electronically routing billing information over a communications network is provided, using an open financial exchange communication protocol. The method provides for a centrally located mainframe system and a switching system for coordinating the routing of messages between customer service providers and biller service providers. In particular, the method collects at the CSPs and at the BSPs mainframe application files comprising the messages, forwards these files in batch mode to the mainframe system and converts with a switching system these mainframe files into web-enabled addresses, allowing for the effective transmission of financial billing information in flat-file and/or Internet-based form.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing supplemental account information in digital wallets. An exemplary apparatus is configured to: receive a request to provide a digital wallet on a user's mobile device, authenticate at least one payment credential for use within the digital wallet; receive access to an application programming interface configured to push offers to digital wallets, wherein the application programming interface is associated with at least one database maintained by the digital wallet provider; receive, via the application programming interface one or more offers from the at least one database, wherein the offers include at least one incentive for processing payments using the at least one payment credential associated with the digital wallet; and present, to the user on a display of the mobile device, the one or more offers.

Abstract: A two way authentication method, including receiving by an authentication server first encrypted data from a merchant computing device, receiving by the authentication server second encrypted data from a customer computing device, determining by the authentication server if the first encrypted data matches the second encrypted data, if the first encrypted data matches the second encrypted data, authenticating the customer computing device, if the first encrypted data does not matches the second encrypted data, not authenticating the customer computing device.

Abstract: A system and method for assisting ordering and payment processing of an order invoice associated with a product selected by a customer. The system comprises collecting product data about the product and generates the order invoice information for use by at least an accounting system of the merchant. The system receives symbology information in an aggregated barcode associated with the order invoice, the symbology information including at least a portion of the order invoice information encoded using a coding scheme of a barcode. The system provides an image of the aggregated barcode to the customer for use in generating a transaction request for settlement of the order invoice, and receives a transaction response indicating transaction approval or transaction denial of the order invoice.

Abstract: An apparatus, method and computer-readable storage medium for efficiently collecting doobers. A game area may be presented in a graphical user interface on a display device. The game area may include a game character associated with a first player, regions and objects within the regions. The character may move within the regions and interact with the objects. One or more doobers may be presented in the game area, and the doober(s) may be identified as collected by the first player in response to one or more inputs to the graphical user interface by the first player. The doober(s) may be marked as collected if an input is within a particular distance from the doober(s).

Abstract: Systems and methods discussed herein are employed in a cross-platform notification system configured to send a series of notifications to devices and/or subscription services associated with an account where a payment is due. These notifications may be sent to an increasing number of devices and/or subscription services as time passes from when payment was due, and the iterations of notifications may take up progressively more of a graphical user interface and/or be displayed for an increasing period of time until a final notification is sent, after which point access to telecommunications services and subscription services, except for emergency functions, accessed through the telecommunications service provider are no longer available to users associated with the overdue account.

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: Disclosed are a key management method and system. A master key is remotely downloaded to avoid the problem that the master key is not issued to a merchant until the master key needs be downloaded on a POS terminal, so as to reduce logistics costs and maintenance costs. When a key is remotely downloaded, a KMS system uses a symmetric algorithm to encrypt the key to be transmitted to ensure that the encrypted key can only be decrypted by a corresponding POS terminal, thereby ensuring the security of data transmission. During bidirectional authentication, an application program of the POS terminal can only contact an encrypted text form of the key instead of a plain text key needing to be remotely downloaded to the POS terminal, thereby ensuring security in reproduction.

Abstract: Structures and protocols are presented for signaling a status or decision concerning a wireless service or device within a region to a communication device (smartphone or wearable device, e.g.) or other wireless communication participant (motor vehicle having a wireless communication capability, e.g.).

Abstract: The invention provides methods and apparatus for securing personalized or sensitive information appearing in digital images. Digital images containing information to be secured is processed and divided into a plurality of image cells. At least one image cell from the plurality of image cells is selected and redacted or altered to render the information to be secured with the selected image cells indecipherable. The invention also provides methods and apparatus for transmitting or streaming unredacted image cells alone or in combination with redacted image cells for secured viewing on a user browser or computer.

Abstract: The present invention relates to a method for processing data quality exceptions in a data processing system, the data processing system having access to one or more data sources and having access to multiple technical support systems, the multiple technical support systems having one or more predefined technical tasks. The method comprises providing a predefined grouping rule for assigning data quality exceptions to exception groups, and associating each exception group using at least one technical task; receiving a first description of at least a first data quality exception in a data set of the first data source; using the grouping rule for assigning the first data quality exception to at least a first exception group using the first description, and for associating the first exception group with a first technical support system; routing by the exception engine at least part of the first description to the first technical support system.

Abstract: A method of delivering content of a webpage to a web browser on a device communicating with a network through a proxy server includes embedding a first nested browsing context in a parent browsing context of the web browser where the parent browsing context is associated with a first domain and the first nested browsing context is associated with a second domain; sending a request for content from the first nested browsing context to the second domain through the proxy server; and receiving at the first nested browsing context the content from the second domain.

Abstract: Methods, systems and computer program products for transferring data between mobile devices having heterogeneous wireless communication interfaces includes identifying one or more intermediate mobile devices from social network databases upon detecting an initiation of data transfer from a first mobile device to a second mobile device, wherein the first and second mobile devices have heterogeneous wireless communication interfaces, and wherein the intermediate mobile devices have wireless communication interface compatibility to form an ad hoc wireless network with the first and second mobile devices for transferring data from the first to the second mobile device; implementing the ad hoc wireless network based on availability of the intermediate mobile devices; and transferring the data from the first to the second mobile device through the ad hoc wireless network, wherein said transferring includes hopping the data through each of the intermediate mobile devices from the first to the second mobile device.

Abstract: Apparatus and methods for managing and upgrading components in an infrastructure are provided. Records relating to components may be retrieved from a database and separated into subsets based on conditions of those components, the types of those components, deterioration models of those components, and/or other factors. Future condition values may be calculated for each subset, and likelihoods of failure of components may be determined for each subset based on those future condition values. The estimated condition values may be used in order to determine an optimal approach to maintaining, refurbishing, and/or replacing the components in the infrastructure. Computational efficiency is increased.

Abstract: Systems and methods that generate a partial Charging Data Record (CDR) when charging transfers from a primary charging function to a secondary charging function due to a failure. In one embodiment, the system receives an interim accounting request for a session from a secondary charging function after charging was transferred from the primary charging function. The system then opens a new partial CDR for the session based on the interim accounting request. The system receives a prior partial CDR for the session from the primary charging function, parses the prior partial CDR to identify a CDR timestamp, and records a start time in the new partial CDR based on the CDR timestamp. The system parses the interim accounting request to identify an accounting timestamp for the session, records an end time in the new partial CDR based on the accounting timestamp, and closes the new partial CDR.

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: A system and method for debt presentment and resolution through an Intranet or Internet content provider is disclosed. Said system and method include a plurality of “transaction communities” which are electronic forums allowing interaction between a plurality of debtors and creditors through means of electronic mail (e-mail) or other electronic communication means. The Internet/Intranet based software application allows said debtors to access and input information related to a particular debt with any Internet browser software. Said debtors are provided with the URL (Universal Resource Locator) for said content provider along with a unique identification code from the collection agency(s) through mail correspondence or other communication means. Upon said user entering said URL and entering said identification code, said user may then proceed to choose from a variety of settlement options listed on the HTML (HyperText Markup Language) page.

Abstract: Systems and methods are disclosed for electronically transferring currency from a source user account to a target user account in relation to a game application. A payment service provider may receive a request to transfer an amount of currency from the source user account to the target user account to be used for the game application.

Abstract: An apparatus and method are provided that include biometric identification intrusion and access control. The apparatus features a monitoring system, a visual input device, and an audible input device. The visual and audible input devices are coupled to control circuits of the monitoring system, which can implement an authentication process responsive to both visual and audile inputs.

Abstract: A method includes receiving a request for a list of nearby user devices, where the list of nearby user devices will be sent to a merchant device, where the merchant device is associated with a merchant, where the merchant operates a plurality of merchant devices, and where the merchant device is included in the plurality of merchant devices; receiving a respective location for one or more user devices, where each user device is associated with the merchant; determining, for each of the one or more user devices, whether the user device is nearby the merchant device, based on the respective location, to the merchant device than the other merchant devices in the plurality of merchant devices; generating the list of nearby user devices based at least on the determination; and sending the list of nearby user devices to the merchant device.

Abstract: Implementations for recovering e-commerce orders are described herein. An e-commerce order is submitted to an order processing system, by an order check-out module of an online transaction system. The e-commerce order includes order information that is provided to the order check-out module by a client device. The check-out module determines that the order processing is delayed or failed and, based at least on a status of the order processing being delayed or failed, initiates an order recovery action to be performed by an order recovery engine. Once the order recovery action is initiated, the order check-out module is made available to handle a new order.

Abstract: A method of implementing a packet transport protocol between a source and a receiver may include receiving input from a source system including data fields indicating whether the source system will allow packet transport to be handled by the receiver. The method may also include receiving input indicating that a packet from the source is required by the receiver. The input can include a first timing requirement indicating at time when the packet is required at the receiver, and a selection between first and second protocols that mandate, respectively, that packet transport is handled by the receiver in the first protocol and by the source in the second protocol. The method may also include determining, based on the data fields, whether the source will allow use of the selected protocol. The method may also include transmitting a request for the packet, in which the request includes a second timing requirement.

Abstract: A program generation system is described that generates a program based on a plurality of input-output examples. The input-output examples include input items and corresponding output items. The program generation system can include three component modules. A parsing module processes the input items and output items to provide a plurality of input parts and output parts, respectively. A transformation module determines, for each output part, whether the output part can be produced from a corresponding input part using one or more converter modules selected from a collection of candidate converter modules. A formatting module generates formatting instructions that transform selected output parts into a form specified by the output items. These three modules provide a generated program that embodies logic learned from the input-output examples; the generated program can be subsequently used to transform new input items into new respective output items.

Abstract: Fueling transactions (and other types of transactions) may be verified for legitimacy and validity by recording audio, video and/or images of the transaction as it occurs. The recordings may then be indexed according to one or more transaction parameters such as a driver identifier, a vehicle or transportation unit identifier, an invoice number, a fueling station and the like. A carrier associated with a driver and/or vehicle or other transportation unit may specify which transactions are to be recorded. Accordingly, the fueling station may automatically determine whether to record a transaction upon receiving a transaction initiation request. Transaction recordings may be made based on transaction recordation parameters defined by a carrier and stored and indexed based on transaction storing parameters.

Abstract: Systems and methods are provided for providing a more seamless purchasing experience using a mobile device. The mobile device acquires data, such a barcode image, an image of an object or text, or audio data. A non-limiting example of a barcode is a Quick Response (QR) barcode. The acquired data is then used to obtain a network address of a payment website or webpage, which allows a user to make a purchase for a given product or service. The mobile device then launches the payment website or webpage. A user can enter into the mobile device, through the payment website or webpage, a supplemental ID used for authenticating the transaction.

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: In various example embodiments, a system and method for automated data reconciliation processing is presented. The system receives a data movement request with a first status indicator and appends a unique request code to the data movement request. The system causes presentation of the data movement request at a client device and receives a movement response from a second server via a network. The system modifies the first status indicator of the data movement request to a second status indicator to provisionally reflect the receipt of the movement response and verifies the indication of movement from a receiving entity.

Abstract: The present disclosure relates to systems and methods for providing secure support to virtual appliances delivered to customer sites without passwords or enabled ports for service. A virtual appliance may be established on a first device. The virtual appliance may comprise a self-contained virtual machine with a pre-installed operating system and may be established with no root password enabled and a remote access port disabled. An administration tool may receive from a requestor a request to enable maintenance for the virtual appliance. The administration tool may generate, responsive to the request, a random password. The administration tool may enable, responsive to the request, the remote access port. The virtual appliance may wait for a connection to the remote access port for a predetermined period of time. The administration tool may transmit the random password to a service of a second device remote to the first device.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for processing payment events. One of the systems includes one or more processing engines configured to periodically retrieve information from a payment event feed that comprises a list of payment events in an order, and a server configured to perform a sequence of steps for a payment transaction, the sequence of steps including receiving a request for authorization of the payment transaction from a merchant, receiving an indication that the payment transaction has been authorized, and sending authorization to the merchant for the payment transaction without receiving acknowledgment that the one or more transaction processing engines have received the request for authorization, wherein the server is configured to record completion of each step in the sequence of steps as a payment event in the list of payment events to generate the payment event feed.

Abstract: A method and apparatus for easily restricting a use right and improving use convenience in a mobile terminal are provided. The method includes displaying a profile list for selecting a set operation mode of the mobile terminal from the displayed profile list; setting an operation mode of the mobile terminal as the selected operation mode, when the set operation mode is selected from the displayed profile list,; and displaying a screen associated with the selected operation mode, wherein the set operation mode includes an open mode to use all functions of the mobile terminal and a limited mode to use only set functions.

Abstract: According to some embodiments, a system comprises a plurality of data centers communicatively coupled by a network. The data centers include an assigned data center and a second data center. The assigned data center receives a request for a session, determines the session passes authentication, and communicates session information to the second data center indicating the session passes authentication. The assigned data center also receives a first message comprising a first portion of transaction information and communicates synchronization data for replicating the first portion of transaction information at the second data center. The second data center receives a second message comprising a second portion of transaction information. The system facilitates a financial transaction in real-time based on the first portion and the second portion of transaction information.

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 system, method and a computer-readable medium for authenticating a user in a live manner in non-face-to-face transactions, including a user downloading an authentication application from a server to a pervasive computing device, and after downloading the application, having an icon residing on the display of the device. When the authentication application is activated by the user, biographical and multi-biometric information of the user is requested by the application, and subsequently submitted to an authentication engine residing in a secure network cloud. The authentication process further includes, verifying by the authentication engine all of the requested information, compliance with government regulations such as CFT/AML, and the 4th Data Protection Principle. Users have the ability to check their biographical data through a system called, RITE, forming part of this application. Memorised IDs and passwords are not required. The aliveness of the user is verified at each transaction request.

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: Methods and systems for leveraging one's social network in the context of an opportunities marketplace are described. One aspect of the invention involves integrating social networking features into an online marketplace, or exchange. Accordingly, one aspect of the invention involves facilitating an opportunity search in a manner that provides social networking information with the results of the search.

Abstract: A plurality of memory allocators are initialized within a computing system. At least a first memory allocator and a second memory allocator in the plurality of memory allocators are each customizable to efficiently handle a set of different memory request size distributions. The first memory allocator is configured to handle a first memory request size distribution. The second memory allocator is configured to handle a second memory request size distribution. The second memory request size distribution is different than the first memory request size distribution. At least the first memory allocator and the second memory allocator that have been configured are deployed within the computing system in support of at least one application. Deploying at least the first memory allocator and the second memory allocator within the computing system improves at least one of performance and memory utilization of the at least one application.