Including A Payment Switch Or Gateway Patents (Class 705/79)
  • Patent number: 10313123
    Abstract: A set of cryptographic keys are synchronized across a set of HSMs that are configured in an HSM cluster. The set of cryptographic keys is maintained in a synchronized state by HSM cluster clients running on client computer systems with corresponding client applications. If the HSM cluster becomes unsynchronized, an HSM cluster client attempts to lock the HSM cluster and reestablish synchronization of the cryptographic keys across the HSM cluster. HSMs within the HSM cluster are able to establish an encrypted communication channel to other HSMs without revealing the contents of their communications to their respective host computer systems. Individual HSMs in the HSM cluster may include features that assist the HSM cluster client in determining whether each HSM is up-to-date, identifying particular keys that are not up-to-date, and copying keys from one HSM to another HSM within the HSM cluster.
    Type: Grant
    Filed: December 14, 2016
    Date of Patent: June 4, 2019
    Assignee: Amazon Technologies, Inc.
    Inventors: Benjamin Philip Grubin, Benjamin Samuel
  • Patent number: 10068220
    Abstract: Systems and methods for providing a transaction authorization from a funds facilitation system for a transaction requested by a user to a merchant system such that the user is not required to input any user authentication information in excess of authentication information required by the merchant system are provided. A system and method can include receiving a transaction request from the merchant system containing a merchant ID, a merchant user ID, and a transaction amount. The system identifies a funds facilitation system user ID based on the merchant ID and the merchant user ID and determines satisfaction of a funds facilitation system user authentication requirement based on the merchant system having a trusted status with the funds facilitation system. A transaction authorization message or transaction denial message is provided to the merchant system based on account information associated with the user and the transaction amount.
    Type: Grant
    Filed: May 12, 2010
    Date of Patent: September 4, 2018
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Jeffrey William Perlman
  • Patent number: 10001976
    Abstract: Examples of the disclosure enable the recalculation of device chaining in a user interface. In some examples, a first element representing a first hardware device is received at a design surface of a computing device user interface. A second element representing a second hardware device is received at the design surface. A selection of an output associated with the first element is received. A function that binds a property of the second element to a property of the output associated with the first element is automatically generated. Aspects of the disclosure enable the automatically generated function to be displayed at the design surface.
    Type: Grant
    Filed: December 28, 2015
    Date of Patent: June 19, 2018
    Assignee: MICROSOFT TECHNOLOGY LICENSING, LLC
    Inventors: Jaideep Sarkar, Olivier Colle, Prithvi Raj Balaram
  • Patent number: 9942758
    Abstract: A method and apparatus for providing radio communication with an electronic object in a local environment are disclosed. For example the method receives via a mobile endpoint device of a user at least one first digital certificate associated with the local environment from a trusted source, and a second digital certificate from the electronic device deployed in the local environment via a wireless connection. The method then authenticates the electronic device using the at least one first digital certificate and the second digital certificate.
    Type: Grant
    Filed: June 20, 2016
    Date of Patent: April 10, 2018
    Assignee: AT&T INTELLECTUAL PROPERTY I, L.P.
    Inventors: Thomas Killian, Byoung-Jo Kim, Christopher Rice, Nemmara K. Shankaranarayanan
  • Patent number: 9864990
    Abstract: A virtual payment system for paying for goods, services and content ordered over an internetwork is disclosed. The virtual payment system includes a commerce gateway. Buyers and sellers becomes registered participants by applying for virtual payment buyer and seller accounts. Once an account is established with the commerce gateway, a digital certificate is stored on the registered participant's computer. A buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies the commerce gateway, which applies the charges to the buyer's virtual payment account. The buyer can settle the charges using a prepaid account, a credit account, or by using reward points earned through use of the virtual payment account. A buyer may create sub-accounts.
    Type: Grant
    Filed: February 15, 2011
    Date of Patent: January 9, 2018
    Assignee: CRIA INC.
    Inventors: Robin B. Hutchison, Robert J. Llewellyn, Andre F. Viljoen, David Griffiths, David Birch, Iain M. Begg
  • Patent number: 9779392
    Abstract: The APPARATUSES, METHODS AND SYSTEMS FOR A PUBLISHING AND SUBSCRIBING PLATFORM OF DEPOSITING NEGOTIABLE INSTRUMENTS (hereinafter “PS-PLATFORM”) provides a negotiable instrument data publish and subscribe framework, whereby financial institutions may exchange negotiable instrument deposit data and/or validation information within the publish and subscribe framework. In one embodiment, the PS-PLATFORM may register a financial institution as a subscriber and provide financial transaction information to the financial institution based on the subscription.
    Type: Grant
    Filed: August 19, 2010
    Date of Patent: October 3, 2017
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bharat Prasad, Rickey Dale Burks, Minya Liang
  • Patent number: 9769134
    Abstract: A payment authentication service authenticates the identity of a payer during online transactions. The authentication service allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as with the use of tokens. Authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages via the Internet are described. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages through voice and messaging channels is also described.
    Type: Grant
    Filed: November 12, 2009
    Date of Patent: September 19, 2017
    Assignee: Visa International Service Association
    Inventors: Benedicto H. Dominguez, Thomas J. Manessis, Janet T. Roth, Pascal Achille Caillon, Jason Spielman, Terence Spielman, James Donald Reno
  • Patent number: 9614907
    Abstract: A download manger running on a computer system identifies an in-progress download of content by the computer system directly from a content system. The download manager causes the computer system to join a peer-to-peer network in which the content is being shared. The computer system starts to receive data blocks of the content from peer-to-peer network, as it continues the download from the content system. Based on the receipt of the content from the peer-to-peer network and from the content system, the download manager determines whether the computer system should rely primarily on the peer-to-peer network instead of the content system for receiving the content. If a determination is made to rely on the peer-to-peer network instead of the content system, the download manager terminates the download from the content system and continues receiving data blocks of the content from the peer-to-peer network.
    Type: Grant
    Filed: January 3, 2014
    Date of Patent: April 4, 2017
    Assignee: BitTorrent, Inc.
    Inventor: Arthur W. Yerkes
  • Patent number: 9595023
    Abstract: Systems and methods for programmatic access of a financial institution system. A normalized API request provided by an application system specifies user information corresponding to at least one account endpoint of an external financial institution system. Responsive to the request, at least one application proxy instance associated with the normalized API request is used to collect transaction information from a corresponding financial institution system by providing the financial institution system with a proprietary API request that specifies at least account credentials associated with the user information. The transaction information is included in at least one proprietary API response provided by the financial institution system. A normalized API response is generated based on the collected transaction information and provided to the application system.
    Type: Grant
    Filed: July 2, 2015
    Date of Patent: March 14, 2017
    Assignee: PLAID TECHNOLOGIES, INC.
    Inventors: William Hockey, Zach Perret, Charles Li
  • Patent number: 9348918
    Abstract: A distributed search system includes a central server having an index of data, wherein the index of data is also available on a plurality of computing devices in a distributed computing network, the plurality of computing devices being distinct from the central server, each the computing device having a cache in which the computing device automatically stores data generated during the course of the computing device's access to another computing network distinct from the distributed computing network.
    Type: Grant
    Filed: February 3, 2014
    Date of Patent: May 24, 2016
    Assignee: Brilliant Digital Entertainment, Inc.
    Inventors: Anthony Rose, Kevin Bermeister
  • Patent number: 9344576
    Abstract: An Internet telephony system (ITS) comprising an enclosure, an interface to a packet switched computer network; a communications processor, configured to implement a voice over Internet Protocol communication, to execute at least a client portion of a telephony control application supporting at least a coordinated delivery of data presented to the user through a user interface and a conversation using the voice over Internet Protocol communication; and to execute a web browser; and at least one manual control input.
    Type: Grant
    Filed: October 24, 2011
    Date of Patent: May 17, 2016
    Assignee: III Holdings 1, LLC
    Inventors: David Friedman, Wai Wu
  • Patent number: 9213675
    Abstract: Disclosed are systems and methods for responding to the arrival of a person within a defined geographic area after receiving a virtual presence by applying discounts at a point-of-sale are defined. A mobile electronic device stores user profile and consumer incentive data and periodically outputs a unique device identification number and position data. A host server monitors the position data and when it is within the defined geographic area, the user profile and consumer incentive data is received from the mobile electronic device and transmitted to a servers and a point-of-sale for enhanced customer services and savings. When the user leaves the defined geographic area, the profile data is removed.
    Type: Grant
    Filed: May 31, 2012
    Date of Patent: December 15, 2015
    Assignee: UBETTERKNOWME.COM
    Inventors: Claudine Kolton, Shamim A. Naqvi
  • Patent number: 9148421
    Abstract: A method and system for authentication of sites in a land mobile radio (LMR) system and encryption of messages exchanged by the sites. In some embodiments, the method includes transmitting a certificate created by a trusted authority by applying a function to a first site public key using the trusted authority's private key to generate a reduced representation, which is encrypted with the trusted authority's private key. Other sites may receive the certificate, decrypt it using the trusted authority's public key, and authenticate the first site. The method may further include generating a session key, encrypting it with the public key of the first site, and transmitting the encrypted session key to the first site. The first site decrypts the encrypted session key with the first site's private key, and transmits a message encrypted with the shared session key to other sites for decryption using the session key.
    Type: Grant
    Filed: March 7, 2014
    Date of Patent: September 29, 2015
    Assignee: E.F. Johnson Company
    Inventors: Jeffery E. Benshetler, Arindam Roy
  • Patent number: 9137659
    Abstract: A method for decoupling user authentication and data encryption on mobile devices includes generating an encryption key (“EK”) for encrypting data and a key encryption key (“KEK”) for encrypting the EK, obtaining an encrypted EK by encrypting the EK using the KEK, storing the encrypted EK on a data container device (“DCD”), and storing the KEK on a key vault device (“KVD”) that is distinct from the DCD. Neither the EK nor KEK are generated using a user authentication secret as a seed. The DCD may fetch the KEK from the KVD as desired to decrypt the EK and to encrypt and decrypt data stored on the DCD. Examples of the DCD include a memory stick, smartphone, or tablet computer, while examples of the KVD include a dongle, smartphone, or tablet computer.
    Type: Grant
    Filed: July 16, 2013
    Date of Patent: September 15, 2015
    Assignee: FusionPipe Software Solutions Inc.
    Inventors: Hassan Khosravi, Ildar Muslukhov, Peter Luong
  • Patent number: 9098845
    Abstract: The process encompasses the communication between trade system accessible over GUI of the mobile communication device (4), when after the item being purchased is selected, the acquirer's (12) identification is loaded from the removable memory card (1). The acquirer's (12) identification is sent to the trade system's (2) headquarters, where after it is approved, the transaction payment parameters are created and these enter the removable memory card (1) as an initiator of the payment terminal application. The payment terminal application runs on the removable memory card (1) and it creates a payment cryptogram. This one is sent into the trade system's (2) headquarters, where it can be handled as a common cryptogram of usual POS terminals. The process can encompass even a preparation and pre-preparation phase, thanks to which corresponding applications of individual participants of the system are installed, configured and activated.
    Type: Grant
    Filed: November 30, 2010
    Date of Patent: August 4, 2015
    Assignee: Logomotion, S.R.O.
    Inventors: Miroslav Florek, Michal Masaryk
  • Patent number: 9070123
    Abstract: A device may include a transaction web server. The transaction server may be configured to receive a hypertext markup language HTTP message that includes information sent from a transaction device, determine whether the message is a request to authorize a transaction or a request to settle a transaction, route a first portion of the HTTP message to a customer device to obtain an authorization from the customer device when the HTTP message is a request to authorize the transaction, and route a second portion of the HTTP message to the customer device to settle the transaction when the HTTP message is a request to settle a transaction.
    Type: Grant
    Filed: December 21, 2011
    Date of Patent: June 30, 2015
    Assignee: VERIZON PATENT AND LICENSING INC.
    Inventors: Brian P. Theado, Khoa N. Nguyen, Lloyd S. Palmer, Jr.
  • Patent number: 9009462
    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.
    Type: Grant
    Filed: December 11, 2013
    Date of Patent: April 14, 2015
    Assignee: eBay Inc.
    Inventor: Daniel Manges
  • Patent number: 8983874
    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.
    Type: Grant
    Filed: October 14, 2009
    Date of Patent: March 17, 2015
    Assignee: Massachusetts Institute of Technology
    Inventors: Silvio Micali, Ronald L. Rivest
  • Patent number: 8965811
    Abstract: Pursuant to some embodiments, methods, systems, apparatus, computer program code and means for conducting an online transaction by a user operating a computer are provided which include identifying, at the computer, that the user has selected a secure payment option during a transaction with a merchant. The computer is caused to enter a private session. During the private session, payment card data from a physical payment card held by the user is received, and the payment card data is forwarded to a payment provider to cause the payment provider to provide substitute payment card details to the merchant to complete the transaction.
    Type: Grant
    Filed: October 5, 2009
    Date of Patent: February 24, 2015
    Assignee: MasterCard International Incorporated
    Inventor: John R. Wankmueller
  • Patent number: 8949625
    Abstract: A data processing system is provided that includes applications, databases, encryption engines, and decryption engines. Encryption and decryption engines may be used to perform format-preserving encryption on data strings stored in a database. Encryption and decryption engines may include embedded-format-preserving encryption and decryption engines. Embedded-format-preserving encryption engines may be used to encrypt data strings and embed information in data strings. Information corresponding to a format-preserving encryption operation of a data string may be embedded in an associated data string. The associated data string may be encrypted before or after embedding the information in the associated data string. The embedded information may include key management data that corresponds to a managed encryption key that was used to encrypt the data string.
    Type: Grant
    Filed: January 30, 2012
    Date of Patent: February 3, 2015
    Assignee: Voltage Security, Inc.
    Inventors: Terence Spies, Philip Hillyer Smith, III
  • Patent number: 8943577
    Abstract: A system and method for a distributed multi-processing security gateway establishes a host side session, selects a proxy network address for a server, uses the proxy network address to establish a server side session, receives a data packet, assigns a central processing unit core from a plurality of central processing unit cores in a multi-core processor of the security gateway to process the data packet, processes the data packet according to security policies, and sends the processed data packet. The proxy network address is selected such that a same central processing unit core is assigned to process data packets from the server side session and the host side session. By assigning central processing unit cores in this manner, higher capable security gateways are provided.
    Type: Grant
    Filed: May 1, 2013
    Date of Patent: January 27, 2015
    Assignee: A10 Networks, Inc.
    Inventors: Lee Chen, Ronald Wai Lun Szeto
  • Patent number: 8922333
    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.
    Type: Grant
    Filed: September 10, 2013
    Date of Patent: December 30, 2014
    Inventor: Gregory Paul Kirkjan
  • Patent number: 8924297
    Abstract: Embodiment of the invention are directed to passing a plurality of communications directly from a merchant to a payment processing network. A first communication may include payment information in an authorization request, while a second transaction may include non-payment transaction data. The communications may be linked with a transaction identifier. In other embodiments, a capture file process is disclosed where capture files are generated by the payment processing network, and transactions are subsequently cleared and settled.
    Type: Grant
    Filed: February 24, 2012
    Date of Patent: December 30, 2014
    Assignee: Visa International Service Association
    Inventors: Phil Kumnick, Krishna Koganti, Davidson Wuichet, Lloyd Cato, Jeff Kusheba
  • Patent number: 8918857
    Abstract: A system and method for a distributed multi-processing security gateway establishes a host side session, selects a proxy network address for a server, uses the proxy network address to establish a server side session, receives a data packet, assigns a central processing unit core from a plurality of central processing unit cores in a multi-core processor of the security gateway to process the data packet, processes the data packet according to security policies, and sends the processed data packet. The proxy network address is selected such that a same central processing unit core is assigned to process data packets from the server side session and the host side session. By assigning central processing unit cores in this manner, higher capable security gateways are provided.
    Type: Grant
    Filed: May 1, 2013
    Date of Patent: December 23, 2014
    Assignee: A10 Networks, Inc.
    Inventors: Lee Chen, Ronald Wai Lun Szeto
  • Patent number: 8914871
    Abstract: A system and method for a distributed multi-processing security gateway establishes a host side session, selects a proxy network address for a server, uses the proxy network address to establish a server side session, receives a data packet, assigns a central processing unit core from a plurality of central processing unit cores in a multi-core processor of the security gateway to process the data packet, processes the data packet according to security policies, and sends the processed data packet. The proxy network address is selected such that a same central processing unit core is assigned to process data packets from the server side session and the host side session. By assigning central processing unit cores in this manner, higher capable security gateways are provided.
    Type: Grant
    Filed: May 1, 2013
    Date of Patent: December 16, 2014
    Assignee: A10 Networks, Inc.
    Inventors: Lee Chen, Ronald Wai Lun Szeto
  • Patent number: 8904512
    Abstract: A system and method for a distributed multi-processing security gateway establishes a host side session, selects a proxy network address for a server, uses the proxy network address to establish a server side session, receives a data packet, assigns a central processing unit core from a plurality of central processing unit cores in a multi-core processor of the security gateway to process the data packet, processes the data packet according to security policies, and sends the processed data packet. The proxy network address is selected such that a same central processing unit core is assigned to process data packets from the server side session and the host side session. By assigning central processing unit cores in this manner, higher capable security gateways are provided.
    Type: Grant
    Filed: May 1, 2013
    Date of Patent: December 2, 2014
    Assignee: A10 Networks, Inc.
    Inventors: Lee Chen, Ronald Wai Lun Szeto
  • Publication number: 20140351147
    Abstract: A customer engagement device (CED) may receive a payment token associated with a transaction from a point of sale (POS) system. The CED may retrieve transaction details associated with the transaction from a gateway. The CED may prompt a customer to provide payment information for the transaction and may collect payment information from the customer. The CED may provide the payment information and may obtain a transaction authorization from the gateway. The CED may inform the POS system regarding the transaction authorization.
    Type: Application
    Filed: December 10, 2012
    Publication date: November 27, 2014
    Inventors: Marc Castrechini, Henry Helgeson, Markiyan Malko
  • Patent number: 8868462
    Abstract: A method for conducting PIN authorized EMV payments using an ordinary mobile phone. The credit card payment is conducted using a merchant's device comprising a card reader and a mobile phone a payment server and a buyer's mobile phone. A PIN entry request is sent from the merchant's device to the buyer's device via the payment server. A secure application in the buyer's device is executed and a PIN code may be entered securely. The entered PIN code is either verified, via the payment server, against the credit card in said merchant's device or against a bank server. Thus, secure credit card payments can be performed using an ordinary unsecure mobile device's.
    Type: Grant
    Filed: March 13, 2012
    Date of Patent: October 21, 2014
    Assignee: Izettle Merchant Services AB
    Inventor: Magnus Nilsson
  • Patent number: 8856045
    Abstract: Described herein is a mobile-device-to-machine payment system and method for facilitating a cashless transaction for purchase of at least one product or service by a user from a payment accepting unit.
    Type: Grant
    Filed: March 14, 2014
    Date of Patent: October 7, 2014
    Assignee: PayRange Inc.
    Inventors: Paresh K. Patel, Chau M. Doan
  • Patent number: 8851366
    Abstract: A bank (or merchant) hosts and operates an online money transfer service (or “portal”). A sender logs into the portal and enters payment card and money transfer details and then submits the transaction. An authentication window appears displaying the sender's transaction details and the sender is prompted to enter his or her password. Upon successful authentication, the bank seeks authorization from the card issuer. Upon successful authorization, the bank credits the recipient's local bank account or existing payment card. The recipient can also receive a check, a draft, a prepaid card or cash. The money transfer service is used both cross-border and domestic to effect person-to-person money transfer. The money transfer service uses the “Verified by Visa” authentication service and VisaNet for authorization. Messages over VisaNet are used to deliver funds to a recipient.
    Type: Grant
    Filed: August 8, 2011
    Date of Patent: October 7, 2014
    Assignee: Visa International Service Association
    Inventor: Vikram Modi
  • Patent number: 8825556
    Abstract: A method is provided for completing an authenticated commercial transaction over an internet protocol (IP) network (40) for an account holder (60) engaged in the transaction via a non-IP based telecommunications platform (30).
    Type: Grant
    Filed: January 27, 2006
    Date of Patent: September 2, 2014
    Assignee: Cardinalcommerce Corporation
    Inventors: Chandra Balasubramanian, Francis Sherwin, Michael A. Keresman, III
  • Patent number: 8819183
    Abstract: Request processing within a computing environment is facilitated. Request processing and analytics processing for the request are performed substantially concurrently in order to improve efficiency of request execution. The analytics processing is at least commenced, and may complete, prior to receiving an indication of success or failure of the request processing. If request processing fails, analytics processing ceases, if not already complete, and results of the analytic processing are not used.
    Type: Grant
    Filed: December 15, 2009
    Date of Patent: August 26, 2014
    Assignee: International Business Machines Corporation
    Inventors: Rajaram B. Krishnamurthy, Carl J. Parris, Charles Boice, Lurng-Kuo Liu
  • Patent number: 8788429
    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.
    Type: Grant
    Filed: December 30, 2009
    Date of Patent: July 22, 2014
    Assignee: First Data Corporation
    Inventor: Craig A. Tieken
  • Patent number: 8782422
    Abstract: A data processing system for distributing and authenticating documents from a plurality of parties to a recipient data processing apparatus is disclosed. The system comprises a plurality of document distribution devices each configured to generate an original hash value from the content of a file containing a document to be distributed. A recipient data processing apparatus is configured to generate an original super hash value from the plurality of the original hash values, and to distribute the original super hash value to each of the document distribution devices. The system provides assurance that distributed documents have not been tampered with during communication, by an unscrupulous distributing party, or by an unscrupulous recipient by only submitting a hash value of the document to be distributed. The hash value provides for assurance at the eventual recipient of the document that no changes to the document have been made.
    Type: Grant
    Filed: December 22, 2011
    Date of Patent: July 15, 2014
    Assignee: Nextenders (India) Private, Ltd.
    Inventor: Ravindra Waman Shevade
  • Patent number: 8775188
    Abstract: Embodiments of the present invention provide a method for voice approval, where the method includes: receiving voice approval request information sent by an enterprise application server; establishing a voice communication connection with the terminal according to the contact information of the approver terminal; sending approval content audio information corresponding to the voice approval request information to the approver terminal; receiving feedback information, and obtaining approval result information according to the feedback information; and sending the approval result information to the enterprise application server. Embodiments of the present invention also provide a device and system for voice approval. In the embodiments of the present invention, the enterprise application server and the enterprise gateway are combined and improved to enable an approver to approve, in voice mode, an approval request raised by an applicant, thereby increasing the approval efficiency.
    Type: Grant
    Filed: July 25, 2013
    Date of Patent: July 8, 2014
    Assignee: Huawei Technologies Co., Ltd.
    Inventors: Weijun Deng, Yu Yin, Liyan Song
  • Patent number: 8769275
    Abstract: Systems and methods for performing settlement of token access transactions are provided. In one embodiment, the invention provides for batch processing bank card transactions, including receiving transaction records for a plurality of bank card transactions, wherein at least some of the transaction records include encrypted token information; determining whether the transaction records contain encrypted token information; decrypting the encrypted token information for a transaction record that is determined to have encrypted token information; and providing clear text token information obtained by decrypting the encrypted token information for a transaction record for transaction settlement.
    Type: Grant
    Filed: October 17, 2006
    Date of Patent: July 1, 2014
    Assignee: VeriFone, Inc.
    Inventors: Clay Werner von Mueller, Scott R. Yale, Patrick K. Hazel, Paul Catinella
  • Patent number: 8768836
    Abstract: A system and method for initiating a deposit transaction, where the depositor is a banking customer located at a remote location, and where the item to be deposited is a financial instrument, such as a paper check from a third party, payable to the depositor. The enabling system features a Remote Customer Terminal (RCT) with certain input devices, connected to a bank system. An image and/or other data of the financial instrument are transmitted from the RCT to the Bank of First Deposit (BOFD) where the data may be processed by conversion to Electronic Funds Transfer (EFT), via Electronic Check Presentment (ECP), or via check reconstruction. The deposit transaction can be accomplished without physical transfer of the financial instrument to or through the bank system. The system and method provide convenience and improved transaction processing speed compared to other deposit transactions of financial instruments.
    Type: Grant
    Filed: August 7, 2007
    Date of Patent: July 1, 2014
    Assignee: JPMorgan Chase Bank, N.A.
    Inventor: Ravi V. Acharya
  • Patent number: 8756161
    Abstract: The invention concerns a method of making a payment transaction by a customer including steps of receiving, by a mobile device (402) of the customer, merchant data; transmitting, by the mobile device to a remote server (408), a payment transaction request including the merchant data; determining, by the remote server, the identity of the customer based on the request and the identity of the merchant based on the data; and implementing the payment transaction between bank accounts of the customer and the merchant.
    Type: Grant
    Filed: February 10, 2009
    Date of Patent: June 17, 2014
    Assignee: Accenture Global Services Limited
    Inventors: Robert Hasson, Emmanuel Viale, Jeremy Light
  • Patent number: 8751405
    Abstract: Disclosed are systems and methods for managing transactions in which an order is specified online and payment is received at a point of sale (POS). Methods are disclosed for managing payment for such transactions at a POS, including transactions involving payment for both in-store purchases and online orders. Methods are also disclosed for managing inventory and price changes for such transactions where payment can occur at any time in a pay period following order creation. Also disclosed are methods for processing refunds for online orders for which payment was made at a POS. Finally, methods for preventing fraud and abuse as well as restricting the availability of this payment method for certain items are disclosed.
    Type: Grant
    Filed: August 31, 2012
    Date of Patent: June 10, 2014
    Assignee: Wal-Mart Stores, Inc.
    Inventors: Arjun Ramaratnam, Kenneth Hansen, Murad Dar, Puneet Srivastava, Richard Brett Gerry, Ruchitkumar A Shah, Sathya N Dharaneedharan, Anna Smalley, Jon Baron, Justin Singer
  • Patent number: 8712884
    Abstract: Transaction management for processing payment-related aspects of transactions is facilitated. According to an example embodiment of the present invention, a transaction management approach involves the processing of payments on behalf of a buyer or other owing party. These payments are made, e.g., in connection with accounts payable or other functions implemented by the buyer/owing party. In some applications, the payment processing involves a trade credit approach, wherein payment is made on behalf of the buyer/owing party against a credit-type account.
    Type: Grant
    Filed: October 4, 2007
    Date of Patent: April 29, 2014
    Assignee: Syncada LLC
    Inventor: Dean W. Hahn-Carlson
  • Patent number: 8704633
    Abstract: A method of preventing fraud at a self-service terminal is described. The method comprises: receiving a signal from an electromagnetic sensor located in the vicinity of an electromagnetic signal transmitter; monitoring a drive signal being delivered to the electromagnetic signal transmitter; and comparing the drive signal with the electromagnetic sensor signal. The method then ascertains if a state of the electromagnetic sensor signal is inconsistent with a state of the drive signal; and triggers an alarm when the state of the electromagnetic sensor signal is inconsistent with a state of the drive signal.
    Type: Grant
    Filed: May 3, 2011
    Date of Patent: April 22, 2014
    Assignee: NCR Corporation
    Inventors: Gary Ross, Graeme Mitchell, Alistair Lowden, Steven Ritchie
  • Patent number: 8694436
    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.
    Type: Grant
    Filed: October 11, 2012
    Date of Patent: April 8, 2014
    Assignee: Michelle Fisher
    Inventor: Michelle Fisher
  • Patent number: 8688574
    Abstract: Disclosed embodiments provide systems and methods of processing payment authorisation requests for payment transactions to be conducted via a data communications network. The method allows identification of an issuing bank from a plurality of issuing banks as one which is to be utilised in a given transaction and facilitate a user specifying, in real time in relation to the given transaction, a particular bank account that is to be used to deduct funds for that transaction.
    Type: Grant
    Filed: April 1, 2009
    Date of Patent: April 1, 2014
    Assignee: Visa Europe Limited
    Inventors: Westley Stringfellow, Peter Winfield-Chislett, Itamar Lesuisse, Raymond Tamblyn, Verónica Casabonne
  • Patent number: 8677471
    Abstract: A firewall cluster having three or more firewall processing nodes sharing the same shared IP address. Port numbers are assigned to the firewall processing nodes within the cluster and are used to distinguish between traffic sent to the cluster. Each network connection is assigned a destination port number. Each node receives the network connection and its assigned port number and determines if the assigned destination port number matches one of its assigned port numbers. If so, the node processes the network connection. If the assigned destination port number does not match one of its assigned port numbers, the network connection is discarded.
    Type: Grant
    Filed: December 12, 2011
    Date of Patent: March 18, 2014
    Assignee: McAfee, Inc.
    Inventors: Michael J. Karels, Michael James Silbersack
  • Patent number: 8666904
    Abstract: A security component may be associated with a network-enabled application. The security component may initiate the display of an embedded region of a window drawn according to display information received from a relying party. The security component may define at least a portion of the appearance of the embedded region; the relying party may not define this portion. The embedded region may include customization information configured by a user, and “Card” information received from an assertion provider, indicating how to authenticate user credentials in order to gain access to relying party restricted content. The security component may request authentication of user credentials from the assertion provider, which may be trusted by the relying party. The security component may receive an assertion token from the assertion provider indicating the credentials are authentic. The security component may forward the assertion token to the relying party to gain access to the restricted content.
    Type: Grant
    Filed: August 20, 2008
    Date of Patent: March 4, 2014
    Assignee: Adobe Systems Incorporated
    Inventors: James D. Pravetz, Sunil Agrawal
  • Patent number: 8660966
    Abstract: In one embodiment, transferring payment between a first user and a second user of a communication system includes displaying a contact list in a user interface of a client executed at a user terminal of the first user, the contact list including the second user. The client retrieves and displays at least one page from a payment provider responsive to the first user selecting the second user from the contact list. The client transmits, to the payment provider, information related to the payment entered into the page by the first user, which causes the payment provider to transfer the payment from an account of the first user to an account of the second user.
    Type: Grant
    Filed: August 31, 2007
    Date of Patent: February 25, 2014
    Assignee: Microsoft Corporation
    Inventors: Siim Viidu, Edith Coenen, Andres Kutt, Kristen Ondeck
  • Patent number: 8655789
    Abstract: Facilitating transactions using non-traditional devices and biometric data to activate a transaction device is disclosed. A transaction request is formed at a non-traditional device, and communicated to a reader, wherein the non-traditional device may be configured with an RFID device. The RFID device is not operable until a biometric voice analysis has been executed to verify that the carrier of the RFID equipped non-traditional device is the true owner of account information stored thereon. The non-traditional device provides a conduit between a user and a verification system to perform biometric voice analysis of the user. When the verification system has determined that the user is the true owner of one or more accounts stored at the verification system, a purchase transaction is facilitated between the verification system. Transactions may further be carried out through a non-RF device such as a cellular telephone in direct communication with an acquirer/issuer or payment processor.
    Type: Grant
    Filed: February 6, 2009
    Date of Patent: February 18, 2014
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Fred Bishop, Peter D. Saunders
  • Patent number: 8639630
    Abstract: Methods and systems for providing items of content over a peer-to-peer system are described. Items of content are requested from a central server by a downloading peer, and the central server determines uploading peers from whom the downloading peer may request parts of the content item.
    Type: Grant
    Filed: February 12, 2009
    Date of Patent: January 28, 2014
    Assignee: DDN IP Holdings Limited
    Inventors: Oleg Fomenko, Patrick Foreman, Andrew Kerdemelidis, Thong Nguyen
  • Patent number: 8635687
    Abstract: There is provided a method and device for providing personal data of first party to a second party. The personal data is stored in an electronic device comprising a mechanism for locking and unlocking access to the personal data and/or condition data stored therein associated with conditions for accessing said personal data. The second party receives the personal data dependent on whether the personal data is in a locked state and/or whether the conditions associated with the condition data are satisfied.
    Type: Grant
    Filed: September 6, 2002
    Date of Patent: January 21, 2014
    Assignee: MasterCard International Incorporated
    Inventor: Philip A. Binder
  • Patent number: 8631229
    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.
    Type: Grant
    Filed: October 1, 2012
    Date of Patent: January 14, 2014
    Assignee: Braintree Payment Solutions, LLC
    Inventor: Daniel Manges