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.

Abstract: A method of delivering video content. The method may comprise receiving a request for a first video from an Internet connected device, selecting a second video to be played with the first video, generating a playlist comprising the first video and the second video, and transmitting the playlist to the Internet connected device. The playlist may include a verification video. Additionally, a system for delivering video content is described. The system may include a processor, storage, an operating system, one or more network interfaces capable of communicating with a plurality of video advertising networks, a digital advanced stream redirector generator module capable of generating a playlist, and a scripting engine.

Abstract: Techniques are disclosed for managing certain aspects of a large industrial operation (such as a pipeline). A commodity materials invoice system may allow a user to model a commodity invoice as a template and subsequently use that template to model commodity usage for different periods of time. Costs for a given billing period may be estimated based on actual commodity consumption. For example, data from a SCADA system monitoring different aspects of a pipeline may be used to estimate invoice costs for retail commodity consumption. The commodity materials invoice system may be configured to present both estimated and actualized invoice data side-by-side, allowing users to make a direct comparison of the estimated and actualized invoice data.

Abstract: Methods are disclosed for managing subscribe messages that are sent to various applications on behalf of a mobile device. The subscription manager determines which applications the mobile device can access and receives a notification that the mobile device has become registered with the network. It then communicates a subscribe message to one or more of the applications to which the mobile device has access so that the mobile device can communicate with the applications.

Abstract: Methods and systems for conducting a secure transaction over a network using one or more gateway servers. The methods include receiving a request from a consumer, sending the request to a merchant, and receiving, from the merchant, a payment order associated with the request. The payment order is received via a merchant programmable user interface. The methods also include confirming the payment order to transform the payment order to a confirmed payment order, sending the confirmed payment order to a user, and receiving, from the user, a payment authorization associated with the confirmed payment order, and the payment authorization being received via a consumer programmable user interface. The payment authorization from the user includes a secure, encrypted, Internet Protocol (IP) message using encryption hashed with public and private key management. The methods also include performing a transaction in accordance with the payment authorization.

Abstract: Embodiments of computer-implemented methods, systems, and non-transitory computer-readable medium having one or more computer programs stored therein are provided to transfer contents of transactional data between two or more networks configured to have different levels of network protection. Generated data barcodes can be decoded to produce contents of transactional data to be transmitted between two or more networks configured to have different levels of network security protection, and decoded contents of the transactional data can then be securely communicated back to the sender for comparison by generating validation barcodes to be decoded by the sender. Generated verification barcodes can then be decoded to produce verification data. Verification data can confirm success of the transmission of contents of transactional data encoded in the data barcodes. Decoded contents of transactional data can then be stored responsive to an indication of successful transmission.

Abstract: Systems and methods for automated account mapping in a wireless subscriber billing system are disclosed. An external ID associated with a wireless client device is captured from a billable event communicated between a wireless client device and a wireless subscriber billing system. Then, the external ID is associated with a Subscriber ID (SID) used to communicate a billing request to an operator billing system.

Abstract: The methods and systems described herein provide for processing payments at a retail location whose infrastructure has been significantly removed from PCI scope. A request for processing payments may be sent from a point of sale lane to a back office server in communication with a credit card terminal. A user may use the credit card terminal to enter in secure payment information which is securely transmitted to a remote authorization service for authorization. Through this method, the credit card terminal and sensitive payment information may be securely isolated from the remaining infrastructure at the retail location.

Abstract: Disclosed are various embodiments for an ingestion process modifying digital items. A computing system receives an uploaded digital item configured to communicate with a testing server application when executed. The ingestion process reconfigures the digital item to communicate with a production server application when executed.

Abstract: A method for inter-terminal payment and corresponding devices and computer programs loadable into said devices is disclosed. The method comprises a transfer of financial value from a payment device of a payer (PDPr) to a payment device of a payee (PDPe) with the assistance and the supervision of a trusted third party (TTP). Payment relevant data of the payee is transmitted to the payment device of the payer (PDPr) which triggers the transaction of financial value at the trusted third party (TTP) by a message. The trusted third party (TTP) releases a payment confirmation for the payer and the payee providing a status information on the financial transaction for the payer and the payee, respectively, and sends this information in a confirmation transmission procedure to the payment device of the payer (PDPr) and the payment device of the payee (PDPe), respectively.

Abstract: Systems and methods may provide for implementing a dynamic payment service. In one example, the method may generate a request communication including purchase detail information relating to an item to request credit from a vendor to conduct a transaction relating to the item, determine a scope of credit to be issued to conduct the transaction relating to the item based on the purchase detail information, and generate a payment communication including the transaction information to complete the transaction relating to the item.

Abstract: A telecommunication system that carries out telecommunication functions between multiple parties as initiated by the user interaction with a social network application, while maintaining privacy of the device identifiers (phone numbers or static IP addresses assigned to devices) of the participating parties.

Abstract: A method for inventory management. The method includes: obtaining a first invoice sent from a supplier to a first merchant; capturing, by a computer processor, a first set of inventory data from fields on the first invoice; updating a template for the supplier based on capturing the first set of inventory data, where the template includes locations of the fields on the first invoice; obtaining a second invoice sent from the supplier to a second merchant, where the second invoice includes the fields; and capturing, after updating the template and by the computer processor, a second set of inventory data from the fields on the second invoice using the template, where the second set of inventory data includes a quantity of a product purchased from the supplier, and where an inventory database of the second merchant is updated with the quantity of the product.

Abstract: A service provider generates a customer key and a merchant key for facilitating efficient provision of assistance, by the merchant, with the customer's shopping and payment, via customer-merchant key coupling. When a customer approaches or enters a merchant's store the customer has signed up with, the user device carried by the customer wirelessly broadcasts a signal for the customer key unique to the merchant key. When the merchant server picks up the signal, the service provider communicates to the merchant server information in the user's profile including identifiers, shopping preferences, or the shopping history of the customer, subject to any user-created restrictions contained in the profile so that a sales clerk of the store may approach the customer to give recommendations, suggestions, or other assistance with shopping, based on the information.

Abstract: The present invention is directed to an improved operations method for a wireless communication system. The improved business method, operations method, network and system of the present invention includes the steps of delivering cellular services to the mass market, reducing peak capacity, increasing overall capacity utilization, improving capital utilization, providing an “all-you-can-eat” pricing model, and designing capacity based upon where the users live, work, and play.

Abstract: A computer-implemented system and method includes receiving, from a mobile device, a request to initiate a transaction. The method includes receiving, from the mobile device, a selection of a stored value card from among a plurality of stored value cards as a payment option for the transaction. Additionally or alternatively, the method includes receiving value card information from the mobile device of a user and transferring funds from the balance of the value card to the merchant. The method includes reducing the balance of the value card by the amount of the transferred funds.

Abstract: A method for depositing funds into a financial account. The method includes obtaining a deposit request by a point of sale (POS) terminal, where the deposit request includes a virtual account number and a deposit amount, where the deposit amount matches an amount of funds received; identifying a financial account number associated with the virtual account number; and depositing funds matching the deposit amount into a financial account corresponding to the financial account number.

Abstract: According to one embodiment, an electronic circuit is described comprising a processing circuit configured to perform a data processing including a plurality of successive operations, wherein in at least some of the plurality of operations, a predetermined input value is processed; a check value memory; a controller configured to check, for each operation of the data processing performed by the processing circuit, whether the predetermined input value is processed in the operation, and, if the predetermined input value is processed in the operation, combine the predetermined input value to the content of the check value memory and a detector configured to check, when the processing is complete, whether the content of the check value memory is equal to a predetermined value.

Abstract: A mobile payment services integration system is provided. The system comprises a computer system and an application, that when executed on the computer system, maintains a list of payment options associated with a portable electronic device. The system also authenticates an identity of the portable electronic device in connection with a first online purchase transaction with a first online merchant. The system also orders payment using one of the payment options to the first online merchant. The system also authenticates the identity of the portable electronic device in connection with a second online purchase transaction with a second online merchant, where the first online merchant is unaffiliated with the second online merchant. The system also orders payment using one of the payment options to the second online merchant.

Abstract: A repeat payment computer system includes a merchant server and mobile billing operator server that are programmed for user acquisition through carrier billing and subsequent conversion to credit card billing. An advantage of the process is that the user does not have to enter credit card information for the default billing cycles to occur. The user only enters a phone number and password. Fewer barriers are provided for the user to become a regular repeat customer of the merchant server. The fees associated with mobile billing according to the default billing cycles have to be paid by the merchant server and may be too high in the long run. The merchant server can avoid the high fees associated with carrier billing by switching the user to billing according to the credit card information provided. The user is typically switched after the user has already become a regular customer.

Abstract: A system for selecting and monitoring data plans for telecommunications systems, and methods of determining, learning and estimating usage patterns in-order to predict usage and tie this to cost and the overlaying of plan selection for cost optimization. Further, additional methods are applied to determine anomalous user behaviors and raise security and data leakage related events.

Abstract: Embodiments of systems, methods, and computer-readable media for auditing electronic freight bills are disclosed. For example, one embodiment of the present invention is a method including the steps of receiving a first data source comprising a first set of data; receiving a second data source comprising a second set of data; generating a record comprising at least a portion of the first data set and at least a portion of the second data set; and conducting an audit of the record. In another embodiment, a computer-readable media comprises code for carrying out such a method.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for dynamically determining an appropriate payment account for a transaction. Embodiments of the invention allow a user to receive a transaction request and subsequently the transaction is applied to the appropriate payment account. Applying the transaction to the appropriate payment account is based on the type of transaction, the payment accounts available to the user, financial institution considerations, financial plans of the user, customer plans of the user, etc. This invention allows a user to make a purchase at a point-of-sale and have confidence that the transaction will be implemented to the payment account that provides the best promotional benefits for the customer based on the customer's individual needs.

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: A method and system of processing a sale of an article, a virtual article, a service or a functionality such as a game is described. A code is generated by a server. A charge request is transmitted to an account server to charge an account of a user for a value of the code. The code is transmitted to a user device. The code is then processed by redeeming the code, wherein redemption of the code includes receiving the code from a user device and in response allowing access to the user device to the article, virtual article, a service or a functionality.

Abstract: A transaction setting information storage part stores an upstream trader from whom an intermediary trader purchases a product identified by a product ID. A price storage part stores a first sales price and a second sales price. An order management part receives, from a downstream trader to whom the intermediary trader sells the product, an order of the product to the intermediary trader together with input of the product ID, a downstream trader ID of the downstream trader, and an order quantity of the product. A slip issuance processing part issues an order slip from the downstream trader to the intermediary trader, and issues an order slip from the intermediary trader to the upstream trader on the basis of the order quantity received by the order management part and the first sales price.

Abstract: A method for processing a transaction includes receiving a notification of a change in status of physical goods or other event in a physical supply chain, and automatically transferring funds in response to the notification. The automatic transfer of funds may be performed according to a stored rule for automatically transferring the funds in response to the notification. Typically, the goods and the event are related to the party to which the funds are transferred. If the funds are a portion of an agreed-upon payment, one or more additional notifications may be received for one or more additional changes in status of the goods or other events in the physical supply chain, and additional portions of the payment are transferred in response to each additional notification.

Abstract: A self-service financial transaction device may include a processor and a non-transitory memory communicatively coupled to the processor. The non-transitory memory may be configured to store instructions that, when executed, may cause the processor to request access to a liability account associated with a customer of the financial institution. Upon receiving access to the liability account, the instructions may cause the processor to receive information about a payment received at the self-service financial transaction device that may be applied, at least in part, toward an outstanding balance of the liability account. The processor may then communicate information about the received payment to the financial institution, where the payment may be applied towards an outstanding balance of the liability account.

Abstract: A system is provided that automatically optimizes a configurable invoice matching engine. The system receives a set of historical invoice matching data that includes invoices classified by the invoice matching engine and resolution actions initiated by the invoice matching engine. The system further calculates a current overall cost associated with the invoice matching engine initiating resolution actions based on current invoice matching tolerance parameters, current invoice matching action parameters, fixed factor parameters, and historical factor parameters. The system further calculates alternate overall costs associated with the invoice matching engine initiating resolution actions based on alternate invoice matching tolerance parameters. The system further determines optimal invoice matching tolerance parameters based on comparing the current overall cost with the alternate overall costs.

Abstract: The invention solves present problems of insufficient flexibility and convenience and inefficiency in processing of corporate bill businesses, and provides a corporate bill self-service system with functions of blank bill selling and temporary bill storage, and the technical solution thereof can be summarized as follows: the corporate bill self-service system with functions of blank bill selling and temporary bill storage consists of a business self-service center platform and at least a front-end corporate bill self-service terminal which are connected with each other; the corporate bill business self-service centre platform is used for providing entry of system basic platform building information, data storage, equipment monitoring, optical character recognition (OCR), interface with an external system and system data inquiry statistics management; and the front-end corporate bill self-service terminal is used for storing corporate bills, recovering invalidated corporate bills, achieving interaction with us

Abstract: A system for transmission, reception and accumulation of the knowledge packets to plurality of channel nodes in the network operating distributedly in a peer to peer environment via installable one or more role active Human Operating System (HOS) applications in a digital devise of each of channel node, a network controller registering and providing desired HOS applications and multiple developers developing advance communication and knowledge management applications and each of subscribers exploiting the said network resources by leveraging and augmenting taxonomically and ontologically classified knowledge classes expressed via plurality search macros and UKID structures facilitating said expert human agents for knowledge invocation and support services and service providers providing information services in the preidentified taxonomical classes, wherein each of channel nodes communicating with the unknown via domain specific supernodes each facilitating social networking and relationships development leadi

Abstract: Techniques for facilitating the exchange of information and transactions between two entities associated with two wireless devices when the devices are in close proximity to each other. A first device uses a first short range wireless capability to detect an identifier transmitted from a second device in proximity, ideally using existing radio capabilities such as Bluetooth (IEEE802.15.1-2002) or Wi-Fi (IEEE802.11). The detected identifier, being associated with the device, is also associated with an entity. Rather than directly exchanging application data flow between the two devices using the short range wireless capability, a second wireless capability allows for one or more of the devices to communicate with a central server via the internet, and perform the exchange of application data flow. By using a central server to draw on stored information and content associated with the entities the server can broker the exchange of information between the entities and the devices.

Abstract: An example method for electronic payment of consumer bills can include receiving enrollment information from a consumer, and using the enrollment information, obtaining information related to a consumer bill. The information can include an amount due for the consumer bill. The method can also include transmitting a payment reminder for the consumer bill to the consumer, and receiving a payment authorization for the consumer bill from the consumer. Further, the method can include transmitting a request to an employer or payroll processor for the consumer to withhold the amount due from the consumer's paycheck, and then, paying the amount due on behalf of the consumer.

Abstract: An automatic bill pay system and method for electronically facilitating payment of consumer bills from any form of income can include receiving enrollment information from a consumer, and using the enrollment information, obtaining information related to a consumer bill. The information can include an amount due for the consumer bill. The method can also include transmitting a payment reminder for the consumer bill alerting the consumer that the bill will be paid unless action is taken and receiving a payment authorization for the consumer bill from the consumer. Further, the method can include transmitting a request to a consumer account provider for the consumer to segregate the amount due from the consumer's paycheck, and then, paying the amount due on behalf of the consumer by the bill pay system.

Abstract: A system for fundraising, the system comprising: an invoicing module operable to generate an invoice, the invoice comprising an amount payable for one or more goods and/or services, and a further amount for a fund; and a payment processing module operable to received payment for the invoice, and to deposit an amount corresponding to the further amount into an account.

Abstract: An approach is provided for metrics data collection for business transactions. An online activity (e.g., Application Programming Interface (API) call) associated with a business flow is identified. It is determined whether the online activity is a part of a transaction, wherein the transaction is defined according to a business rule. Status of the transaction is updated if the online activity is a part of the transaction.

Abstract: A system is provided for increasing the probability of timely receiving payment under an agreement between a consumer and a non-utility entity for providing financing for renewable energy consumer premises equipment (CPE) by the consumer for power generation at a consumer premises, the renewable energy CPE adapted to deliver power onto a power grid or to the consumer's premises, the system comprising: a computer for monitoring consumer financial information for by the non-utility entity to detect the consumer's financing default in accordance with the agreement, wherein the renewable energy CPE including a PV array and a control device coupled to the PV array for controlling the operation of the PV array and any power generated by the CPE upon a default detected by the computer.

Abstract: A method for delivering energy to an electric vehicle includes coupling the electric vehicle to an energy delivery point, delivering energy to the electric vehicle, determining a parking cost, and determining transaction costs based on at least one of an amount of energy delivered to the electric vehicle and the parking cost.

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

Abstract: A subscription identifier is communicated between the billing server and subscription server. The billing server receives a subscription identifier text message from the user device. The billing server identifies a carrier server from the subscription identifier text message. The billing server receives an authorization text message from the user device in response to an authorization request text message and charges an account of the carrier server that has been identified. If the charge has been successful, then the billing server transmits a renewal notification text message to the subscription server. The subscription server updates an account having the subscription identifier to reflect a new expiration.

Abstract: A system of billing for subscription products and services from multiple vendors across multiple layers of buyers and sellers is presented. Each subscription is charged according to a rate plan, which may include volume, tiered, or usage-based pricing. In billing for subscriptions, sellers may use a single standard rate plan for each product, or may use a variety of rate plans depending on the type of customer, time period, or other attributes. The rate plans stored in the system are dynamic, such that a seller can instantly modify an existing rate plan in order to create a new rate plan.

Abstract: A system and method for facilitating loans for consumers, wherein a payments account and a loans account for a user are linked together. Both the payments account and the loans account have a balance, wherein the balance of the payments account can be used to withdraw funds, pay bills, etc., and the balance of the loans account keeps a record of all money owed to a lender. Money can be deposited into the payments account through a personal bank account, an intermediary service account, a funding account, or from a reload source. Loans can be paid off through a lenders account, wherein a loan payment value is transferred from the balance of the payments account to the balance of the lenders account. The payments account is operated in a foreign banking infrastructure, while the lenders account can either be in a foreign or domestic banking infrastructure.

Abstract: A a method includes authenticating one or more customers of each of multiple billers based on information received from each customer and identifying one or more accounts of each customer. The identified accounts of each customer are provided by the biller for the customer. The method includes enabling each authenticated customer to interact with (i) a biller system associated with the biller for the customer, the biller system providing a first type of service for the identified accounts of the customer, and (ii) a payment system associated with the multiple billers, the payment system providing a second type of service for the identified accounts of the customer.

Abstract: A direct connectivity system provides automated healthcare administrative transaction submission, including claim submission, eligibility verification and claim status, from healthcare service providers directly to payers. The direct connectivity system bypasses transaction processing intermediaries such as clearinghouses by directly connecting providers to payers in a many to many manner. Existing single payer web portals are supplanted by a many to many network that has a common interface across multiple payers. The direct connectivity system may receive responses directly from payers and may prepare or process the responses for a practice management program so that the service provider receives rapid feedback on the administrative transaction submission. The direct connectivity system may automatically analyze transaction file attributes to determine one or more of many payers to which to send a transaction file, from one of many providers.

Abstract: An embodiment of the present invention is directed to receiving a first independent log from a first trading partner wherein the first independent log comprises at least one request log entry associated with a transaction wherein the request log entry comprises at least a request identifier; receiving a second independent log from a second trading partner wherein the second independent log comprises at least one reply log entry associated with the transaction between the first trading partner and the second trading partner, wherein the reply log entry comprises at least a reply identifier; matching the at least one request log entry and the at least one reply log entry based on one or more of the request identifier and the reply identifier at a third party interface; identifying non-matching log entries at the third party interface; and forwarding the non-matching log entries.

Abstract: Systems and methods are provided for an appliance system. The system includes an appliance, and a processor connected to the appliance such that the processor places the appliance in one of an enabled state and a disabled state. The processor is configured to track usage of the appliance and to place the appliance in a disabled state when the usage of the appliance exceeds a threshold amount. The system also includes a data receiving device configured to receive a code, wherein upon receipt of a valid code, the processor is configured to adjust the threshold amount to allow additional usage of the appliance.

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

Abstract: A device, system, and method for conducting a secure transaction over a network includes receiving from a user, being issued a stored-value financial instrument, a dollar amount to be associated to the stored-value financial instrument, communicating the dollar amount to a debit agent residing on a network processing and communication device, receiving at the debit agent a selection of a non-integrated financial institution selected from a list that includes at least one non-integrated financial institution, receiving at the debit agent a financial-institution user-identifier from the user, communicating the financial-institution user-identifier from the debit agent to the selected non-integrated financial institution, participating in a user-free electronic dialogue between the debit agent and the selected non-integrated financial institution, the dialogue including a request to transfer funds from the selected non-integrated financial institution, and transferring, with the debit agent, the funds from the s

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

Abstract: A computer-implemented process operating on a server comprises: receiving user information into server memory; receiving a deposit notification into server memory; sending a pickup notification from the server to a service provider; receiving a deposit notification from a locker control device; sending a completion notification from the server to a user identified by the user information; receiving a removal notification; and billing the user identified by the user information for a service provided by the service provider.