Abstract: Network coding and multiple packet reception (MPR) are used together to improve message dissemination speed in a wireless network using half duplex communication. In at least one embodiment, MPR is used to initially distribute data packets from a number of source nodes in the network to the other nodes of the network. Network coding techniques may then be used to perform backfilling within the network to supply data packets to the source nodes that were originally missed due to the half duplex constraint.

Abstract: A movie ticket vending system, a hand-held electronic device and a method thereof. The movie ticket vending system includes a server and a handheld electronic device. A plurality of pieces of picture information and a plurality of pieces of service information are stored in the server. The handheld electronic device comprises a camera module, a transmitting module, a processing module and a positioning navigation module. The camera module captures a poster image. The transmitting module uploads the poster image to the server and the server compares the poster image with the plurality of pieces of picture information. The transmission module receives information corresponding to the poster image. The processing module receives a confirm signal to generate a navigation signal corresponding to the service information received by the transmission module. The GPS module generates a navigation route to guide a user to the cinema showing the corresponding movie.

Abstract: According to one embodiment, an apparatus may store a mapping of a plurality of applications to a plurality of end networks. The apparatus may receive a request associated with executing an application from the plurality of applications and determine, based at least in part upon the mapping, an end network from the plurality of end networks that participates in the execution of the application. The end network may be mapped to the application. The apparatus may then establish a connection to the end network such that communications associated with the application are directed through the connection.

Abstract: Methods and apparatus are provided for identity verification for at least one user to a text-based communication. An identity of at least one user to a text-based communication is verified by obtaining a plurality of characteristic features of at least one prior text-based communication between the at least one user and at least one additional user; comparing the plurality of characteristic features to a current session of the text-based communication; and verifying the identity of the at least one user based on a result of the comparison. The text-based communication can optionally be suspended if a user is not verified and/or an alarm can be generated.

Abstract: Methods and systems are provided for overcoming negative tradeoffs associated with providing remote access to a computer application, such as lack of control over functions of the computer application. Such tradeoffs are overcome by controlling the functions of the computer application provided to a thin client. The functions are controlled by an executable that displays a modified image of a session of the computer application. Specifically, the executable hides particular elements of the session and the limited image is then the image that is provided to a client, as opposed to the client accessing the full functionality of the computer application via remote computing.

Abstract: A payment card includes interface circuitry and a processor coupled to the interface circuitry. The processor initiates operations using the interface circuitry as part of a transaction. The operations include receiving a certificate from a merchant system, encrypting the certificate, and sending the encrypted certificate to the merchant system with an instruction to forward the encrypted certificate to an authorization system for the payment card. An encrypted response is received. The encrypted response originates from the authorization system and is forwarded to the payment card by the merchant system. The merchant system is unable to decrypt the encrypted certificate and the encrypted response. The payment card decrypts the encrypted response and determines whether authentication of the merchant system is successful according to the response.

Abstract: Embodiments of the invention provide methods and systems for performing a payment transaction. A method for performing a payment transaction may include receiving purchase information from a merchant and associating the purchase information with an identifier. The method may also include transmitting the identifier to the merchant and receiving the identifier from a wireless device of a customer. The wireless device may obtain the identifier by receiving a code from a merchant device and by interpreting the code. The method may additionally include associating the identifier with the purchasing information, determining a payment account associated with the customer, transmitting a request to a payment service provider system to provide funds for the payment transaction, and receiving an authorization from the payment service provider system to provide the funds. The method may additionally include transmitting a confirmation of the authorization to the merchant.

Abstract: A method for sending a transactional message assigns a universal transactional account (UTA) identifier to a customer, associates the assigned UTA identifier with a customer account corresponding to the customer, assigns an account network address corresponding to a service provider, stores, in a routing database, the UTA identifier in association with the account network address, creates, using a second terminal including a processor, the transactional message comprising the UTA identifier and a value, and sends the transactional message to the service provider, the sending the transactional message to the service provider including using the routing database to look up the account network address corresponding to the UTA identifier and transmitting the transactional message to the account network address.

Abstract: To facilitate conducting a financial transaction via wireless communication between an electronic device and another electronic device, the electronic device determines a unique transaction identifier for the financial transaction based on financial-account information communicated to the other electronic device. The financial-account information specifies a financial account that is used to pay for the financial transaction. Moreover, the unique transaction identifier may be capable of being independently computed by one or more other entities associated with the financial transaction (such as a counterparty in the financial transaction or a payment network that processes payment for the financial transaction) based on the financial-account information communicated by the portable electronic device.

Abstract: The present invention is directed to a method of payment using a wireless Internet comprising the step of storing individual identification information provided from a user in an authentication server; authenticating the service server when request of the stored individual identification information is received from the service server, and transmitting the stored individual identification information to the service server when the authentication has succeeded; transmitting a message of requesting a service access to a mobile terminal of the user from the service server; and transmitting the individual identification information sent from the authentication server to the mobile terminal by means of a transmitting query of the individual identification information from the mobile terminal.

Abstract: A mobile computing device is adapted to transmit to a scoring server URLs of websites browsed using the device. The scoring server can compare these URLs against a merchant URL obtained within a preselected time period from transaction data resulting from a transaction involving a payment product of the device user. A score can be calculated based on the similarity between each URL obtained from the device and the URL from the transaction data. The score represents the likelihood that a website browsed using the device and, as a result, the transaction, is fraudulent. The browsed URLs can also be scored against a database of known fraudulent websites. A notification concerning the legitimacy of the transaction based on the score can be generated and sent to the mobile device in real-time. On receiving the notification, the device can be used to either accept or decline the transaction in real-time.

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: 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: Methods and devices for information transmission and in particular for payment transfer from a paying terminal to a selling terminal. In some embodiments, the paying terminal scans an encrypted image, such as a two-dimensional code, displayed on the selling terminal. The paying terminal decrypts the encrypted image to obtain payment information and sends a payment request to a remote server for processing. Security verifications can be conducted by the paying terminal or the server, wherein the server may generate processing results approving or denying the payment request. When the payment amount is greater than a preset value, additional verification can be carried out using, e.g., biometric information. The paying terminal and/or the selling terminal then display the processing results and the remote server completes the payment transfer.

Abstract: Methods, systems, and apparatus include computer programs encoded on a computer-readable storage medium, and include a method for fraud prevention. A method includes receiving registration information for a user, including identities of the user and an authenticating device and a payment source identifier, and storing the registration information. A payment authorization request relating to a transaction purported to be by the user and including the payment source identifier is received. Using the payment source identifier, the identity of the user and the authenticating device is retrieved. A communication is provided to the user including transaction information. The message is delivered to the user at the authenticating device. The method also includes receiving (and subsequently forwarding) either a payment authorization or a payment repudiation responsive to the communication from the user by way of the authenticating device.

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: First business process data obtained from a first trading participant includes a set of transaction messages having a first data format in accordance with a first protocol for conducting business transactions used by the first trading participant. A virtual trading participant receives fictitious business process data from the first trading participant and acknowledging the fictitious business process data and replying to the first trading participant that the fictitious business process data has been acknowledged. Operational characteristics and a connectivity of a currently trading participant connected to a process management platform accessible via an interconnection fabric are tested, by utilizing the virtual trading participant to determine if the data defining individual business processes is in a uniform format understood by a process management platform. The virtual trading participant is utilized to ensure compatibility with an identified version of the uniform format.

Abstract: An exemplary method includes transmitting, via a network interface, at least a currency amount in an attempt to confirm a financial transaction; responsive to the transmitting, receiving a confirmation indicator for the financial transaction; storing at least the currency amount in non-volatile memory; hashing at least the currency amount to generate a hash and storing the hash in a secure non-volatile memory; hashing at least the currency amount stored in the non-volatile memory to generate a verification hash; and in an attempt to verify at least the financial transaction, comparing the verification hash to the hash stored in the secure non-volatile memory. Various other apparatuses, systems, methods, etc., are also disclosed.

Abstract: A system and method for execution of financial and data transactions includes a point-of-sale device configured to execute a transaction in which at least one good or service is sold to an individual having a card with a storage medium encoding a card number. The transaction is completed after said point-of-sale device receives a data transmission authorizing said transaction. The point-of-sale device is configured to communicate via the Internet with a first computing system. The first computing system stores a set of instructions that cause the first computing system to evaluate the transaction to determine whether the transaction is to be authorized, and to send a transmission authorizing the transaction via the open network to said point-of-sale device.

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 customer service system operated by a restaurant service provides a restaurant service server. From a database, the restaurant service server retrieves a ticket that is generated by a restaurant service server application. The restaurant service server applies a diner credit policy to the ticket, and issues a diner credit for the diner associated with the ticket.

Abstract: A method may include allocating a number of public keys, where each respective public key is allocated to a respective entity of a number of entities; storing a number of private keys, where each respective private corresponds to a respective public key; storing one or more decryption algorithms, where each respective decryption algorithm is configured to decrypt data previously encrypted using at least one encryption algorithm of the encryption algorithms. Each respective encryption algorithm may be configured to encrypt data using at least one public key. Each respective decryption algorithm may be configured to decrypt data using at least one private key. The method may include receiving encrypted data, where the encrypted data is encrypted using a first public key and a first encryption algorithm, and the encrypted data is provided over a network.

Abstract: A video analysis system may utilize display screen snapshots captured from a device. The system may receive time information that indicates a time duration, position-related information that indicates a region, and reference information that indicates information expected to appear in the region during the time duration. The system may transmit an instruction to capture display screen snapshots during a time duration indicated by the time information. The system may receive a display screen snapshot and recognize information in the region indicated by the position-related information. The system may then determine whether the recognized information corresponds to the reference information and based on the result determine whether the video test automation has passed.

Abstract: A method and an apparatus for authorizing online financial transactions are provided. The apparatus for authorizing online financial transactions includes: randomly selecting, using an apparatus for authorizing online financial transactions, a portion of main transaction information corresponding to a user and combining the selected information to create authorization information; converting the authorization information into a form displayed to the user through a specific process; providing the main transaction information and the converted authorization information to the user; receiving user select information, which is recognized by the user and is part of the main transaction information, and the converted authorization information provided to the user; and comparing the user select information with the authorization information and determining whether the user recognizes the authorization information based on the comparison results.

Abstract: Wireless personal area network (Zigbee, Bluetooth, UWB) and wireless identification technologies (Near Field Communication (NFC), Radio Frequency Identification (RFID)) are implemented in particular client server functions and communications. Connected with an Authentication Server, a wireless HUB authenticates user identification and provides the user with access to secure data communication with a wireless terminal such as a cellular phone or a PDA. A Location Server provides user locations via methods such as RSSI, TDOA, and GPS and sends location information to a Center Control Server and the Authentication Server. With location information, the Center Control Server initiates and optimizes secure information processes and coordinates the functions of servers and user terminals.

Abstract: Methods and apparatus for conducting electronic transactions such as commerce transactions or purchases and exchanging related information. In one aspect, a robust and integrated apparatus and associated method is provided whereby a purchaser can securely provide transaction data and/or information in an electronic format to another party such as a vendor. In one exemplary embodiment, the purchaser can authenticate his or her right to use the billing information contained therein to complete a purchase without actually having to disclose the billing information in a human readable format, thereby enabling the vendor to obtain and authenticate the purchaser's identity and billing information while still protecting the purchaser's privacy, and without requiring disclosure of the purchaser's billing information to the vendor's employees or any other parties. In another aspect, the vendor can provide information about the transaction in an electronic form that can be authenticated and verified for accuracy.

Abstract: The present invention provides methods and apparatuses for verifying that a transaction is legitimate. The methods and apparatuses use protected memory space, such as kernel space of an operating system, or a separate memory space, such as is available on a SIM card of a cellular phone. The method of the invention proceeds by creating a transaction identification string (TID) and associating the TID with a transaction. The TID contains data relevant to or associated with the transaction and is typically readable by an end-user. The transaction is then interrupted until a user responds in the affirmative to allow completion of the transaction. Methods and devices used in the invention are particularly well suited to M-commerce, where transactions originating from a device are typically recognized by a merchant as coming from the owner of the device without further authentication.

Abstract: Provided are computer implemented methods and systems for messaging, calling, and one-touch payments via mobile and wearable devices. An exemplary system comprises a processor and a database in communication with the processor. The processor is configured to provide an integrated interface for selection of an activity mode. The activity mode includes a messaging mode, a calling mode, and a one-touch payment mode. The processor is further configured to receive the selection of the activity mode via the integrated interface from a user. If the messaging mode is selected, a message from the user is received and sent to a recipient via a data network. If the calling mode is selected, a data network call is initiated on a call request of the user. If the one-touch payment mode is selected, a payment request is transmitted to a financial organization.

Abstract: A micropayment system and method is presented for a payor U to establish payment to payee M for a transaction T, which typically has a very low value TV. The micropayment scheme minimizes the bank's processing costs, while at the same time eliminating the need for users and merchants to interact in order to determine whether a given micropayment should be selected for payment. In one embodiment, the micropayment scheme includes time constraints, which require that an electronic check C for the transaction T be presented to a bank B for payment within a predetermined time/date interval. In another embodiment, the micropayment scheme includes a selective deposit protocol, which guarantees that a user is never charged in excess of what he actually spends, even within a probabilistic framework. In another embodiment, the micropayment scheme includes a deferred selection protocol, which provides the bank with control and flexibility over the payment selection process.

Abstract: The present invention relates to a system, a method, a service server, a mobile communication terminal, an end-point terminal, and a storage medium, for providing a service to an end-point terminal that uses authentication information of a mobile communication terminal to which it is not currently connected, wherein the end-point terminal is connected to a first mobile communication terminal and to a second mobile communication terminal through a short-range communication network and to a service server via the second mobile communication terminal. The end-point terminal uses the authentication information of the first mobile communication terminal and is connected to the service server which is connected to the first and second mobile communication terminals through the mobile communication network, for authenticating the end-point terminal that uses the authentication information of the first mobile communication terminal.

Abstract: An online store can transmit an online account token to an electronic device or to a biometric sensing device after a user successfully enters his or her account password. The electronic device or the biometric sensing device can countersign the online account token when the one or more biometric images match reference biometric images and the account password matches user identifier data stored in the electronic device or in the biometric sensing device. The countersigned online account token can then be transmitted to the online store. The user can then make one or more purchases after the online store receives the countersigned online account token.

Abstract: A method, device and system for service presentation, which includes: receiving a presentation request message; acquiring presentation information from the presentation request message; storing the presentation information; when the presentee accesses the presented content, receiving an authentication and rating request message transmitted from the service enabling component; performing authenticating and rating according to the authentication and rating request message and the stored presentation information. The present invention is applicable to presenting content type services and so on.

Abstract: An apparatus and method are disclosed for determining authentication frequency (i.e., the length of time between authenticating and re-authenticating a user) and challenge type (e.g., username/password, fingerprint recognition, voice recognition, etc.) based on one or more environmental properties (e.g., ambient noise level, ambient luminosity, temperature, etc.), or one or more physiological properties of a user (e.g., heart rate, blood pressure, etc.), or both. Advantageously, the illustrative embodiment enables authentication frequency and challenge type to be adjusted based on the likelihood of malicious activity, as inferred from these properties. In addition, the illustrative embodiment enables the authentication challenge type to be tailored to particular environmental conditions (e.g., noisy environments, dark environments, etc.).

Abstract: Present embodiments are directed to a server computer. The server computer establishes a first channel of communication to receive payment device data in a first format (e.g., chip type) and establishes a second channel to receive the payment device data in a second format (e.g., legacy type). The server computer receives an authorization request message in the second format from a merchant and generates a new authorization request message in the first format. The server computer then forwards the new authorization request to the issuer for approval.

Abstract: Anonymous mobile payments enable a user to make and/or receive payments without disclosing personal or private information to another party. In some aspects, a provider of a payment may request an anonymous payment for a specified value from a host. In response, the host may transmit to the provider a code that is available for redemption. The provider may then relay the code to a recipient, who may redeem the code from the host. In other aspects, a recipient may request a temporary identifier (special code) from a host. The recipient may relay the temporary identifier to a provider, who may in turn transmit a payment, via the host, using the temporary identifier. The recipient may then claim the payment from the host. In additional aspects, the codes of the anonymous payments may include expiration times and/or restrictions on a number of uses of the code.

Abstract: Transmitting category codes to payment instruments in proxy card transactions comprises receiving a first payment request to authorize a proxy card transaction, the first payment request identifying a proxy account of a user for payment of the transaction and a merchant category code associated with the merchant; selecting a financial account associated with the proxy account to fund the transaction; communicating a second payment request to authorize the transaction to a financial account system associated with the selected financial account, the second payment request comprising the merchant category code associated with the merchant; receiving an authorization for the transaction from the financial account system to fund the transaction using the selected financial account; and communicating an authorization for the transaction to the merchant computing device in response to receiving the authorization for the transaction from the financial account system to fund the transaction using the selected financia

Abstract: This disclosure relates generally to methods and systems for determining when a file has changed. According to one aspect of the present disclosure, a method of determining if contents of a file have changed can include determining if a digital signature created as a function of contents of the file has changed, and when the digital signature has changed, overlaying the contents of the file with a first mark that indicates the contents have changed and blocks a view of the contents of the file.

Abstract: A computer system that improves upon the traditional file system hierarchy is disclosed. The computer system includes a processor and a persistent data storage device that is accessible by the processor. The system also may include file system software that is executed by the processor. The file system software may operate to organize the files of the persistent data storage device into a plurality of records that are contained in a metafile. Within the metafile, the files and directories of the file system may be organized in an inverted hierarchical structure. In the inverted hierarchical structure, records corresponding to child files and child directories of a parent directory may directly point to a record in the metafile that corresponds to the parent directory. In one implementation of the file system, individual records of the metafile may be each addressable by a file identifier.

Abstract: In a system and method of watermarking content for tracking media consumption, the method may include creating, by a computer processor, at least one copy of a mezzanine asset for distribution to at least one user, the mezzanine asset being watermarked with a watermark identifier, and the at least one copy including a copy of the watermark identifier.

Abstract: An apparatus comprising a processor configured to implement an anti-replay check for a plurality of received packets and a plurality of corresponding sequence numbers; and a circular buffer coupled to the processor and comprising a bitmap, wherein the bitmap is slided in a circular manner by updating a low index that points to a first sequence number for a first received packet and a high index that points to a last sequence number for a last received packet without bit-shifting, and wherein, when the update results in the new value of one of the low index and the high index exceeding the end of the circular buffer, the one of the low index and the high index wraps around from the beginning of the circular buffer.

Abstract: A system is configured to receive a first authentication request from a first device, authenticate the first device, establish a secure connection with the first device based on authenticating the first device, and receive, via the secure connection with the first device, a set of parameters from the first device. The first device is capable of generating an encryption key for a secure message, intended for a second device, based on the set of parameters. The system is also configured to receive a second authentication request from a second device, authenticate the second device and establish a secure connection with the second device based on receiving the second authentication request, and send, via the secure connection with the second device, the set of parameters to the second device. The second user device is capable of generating a decryption key for the secure message based on the set of parameters.

Abstract: Systems, methods, and machine readable and executable instructions are provided for business process tracking. Business process tracking can include collecting data from network traffic. Instances of the data can include a number of events, a session identifier, and user information. The data can be filtered to a reduced number of events with a network monitoring engine. A number of business process event identifiers corresponding to the reduced number of events can be defined in a network adaptor. An individual instance of the business process can be distinguished according to the session identifier and the user information. The individual instance of the business process can be tracked independent of a number of applications running on the network.

Abstract: An embodiment of an electronic access control system includes an electronic access apparatus, an electronic lock, and an access control administration program. The electronic access apparatus provides a wireless power signal and a wireless digital data signal to the electronic lock. The wireless power signal can be the only source of power used by the electronic lock to actuate an electronic lock mechanism. In some embodiments, the lock mechanism includes a piezoelectric latch.

Abstract: Electronic transactions employing prior art approaches of digital certificates and authentification are subject to attacks resulting in fraudulent transactions and abuse of identity information. Disclosed is a method of improving electronic security by establishing a secure trusted path between a user and an institution seeking an electronic signature to verify a transaction before any request for signature and completing electronic transaction activities occurs. The secure trusted path providing the user with a predetermined portion of the request from the institution for a signature upon a personalized device that cannot be intercepted or manipulated by malware to verify that the request as displayed upon the user's primary computing device is valid.

Abstract: Systems and methods of conducting a payment transaction using a mobile phone having a camera. The systems and methods receive an image of a merchant access device and optionally location data from a mobile device of a user engaged in the transaction. The systems and methods also receive transaction information associated with the transaction and account information associated with an account of the user. The systems and methods use the information to authorize or decline the transaction.

Abstract: Aspects of the invention provide a solution for detecting man-in-the-middle attacks in electronic transactions using prompts. One embodiment includes a method for authenticating an electronic transaction. The method includes: receiving an electronic transaction request from a user, determining an IP address associated with a client system from which the electronic transaction request originates, providing the user with a password associated with the electronic transaction request, receiving a telephonic communication from a telephonic device associated with the user, prompting the user, via a voice response unit, to input the password using the telephonic device, authenticating the user by comparing the inputted password and the provided password, determining a probable location of the user based on the determined IP address of the client system, communicating to the user the probable location of the user based on the determined IP address, and prompting the user to confirm the probable location of the user.

Abstract: Methods, systems, and devices for secure transaction management are provided. Embodiments include a method for providing secure transactions that include receiving an identifier of a financial account at a payment processor system. A token may be generated that is linked with the identifier of the financial account at the payment processor system. The identifier of the financial account and the token may be stored securely at the payment processor system. The token may be transmitted without the identifier of the financial account to at least a recipient system or a recipient device where the token replaces the identifier of the financial account.

Abstract: One particular implementation of the present invention may involve a control unit of an ionic foot bath or other health product. The control unit may be connected to a network or the Internet such that the control unit may be monitored or controlled by a third party, such that the third party may provide programming updates, adjust the programming of the control unit to conform to the user's preferences and provide flexibility to a practitioner with several foot bath systems. The control unit may also provide the functionality of a pay-per-use method for use of the ionic foot bath. The method may allow a user or an operator of the product to purchase operational time that is desired to use the product. Once the operating time is purchased, the product may be operated for the purchased amount of time, at which point, more usage time may be purchased.

Abstract: Methods and processes for securely capturing payment device information and conveying the securely captured payment device information to a client application on a merchant's client device in a manner that does not require that the payment device information to be displayed to the merchant. The client application generates and submits a payment authorization request to a payment authorization service in a manner that does not require the payment information to be displayed to the merchant. The merchant receives a status of the payment authorization request as approved, denied, or process failure. Payment capture can be made before an active connection is made with the merchant's client device, or can occur in real-time.

Abstract: A Virtual Single Account (VSA) system and method that provides a mobile user with automatic authentication and connection to a remote network via local access networks with a single password, where the local access networks may be independent of the remote network. A mobile user has a single authentication credential for one VSA that is utilized by a VSA client installed on a mobile computing device. The VSA client provides for automatically authenticating and connecting the user's mobile device to a current local access network, and the target remote network such as the user's office network. All authentication credentials are encrypted using a key generated from the user's VSA password that is generated from the user's single password. The VSA client derives the key from the submitted VSA password and decrypts all authentication credentials that are required in order to connect the mobile device to the current local access network and thereafter to the office network.