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9043231 Transaction product assembly with vehicle  
An assembly includes a transaction product and an auxiliary vehicle. The transaction product includes a folded sheet configured to be repeatedly folded and unfolded between a collapsed position...
9037490 Two phase payment link and authorization for mobile devices  
Aspects of the invention are directed to a two phase payment link and authorization method and system for mobile devices. A method for payment and authorization according to an embodiment...
9037513 System and method for providing electronic event tickets  
Systems, methods, and devices for providing and managing electronic event tickets are provided. For example, a device for managing an electronic event ticket may include a processor configured to...
9037476 Providing a wireless environment for processing of financial transactions  
A system and method for providing one or more client systems for communicating with a host system over a network. The client systems use a scanner to convert a paper form of a check, coupon, or...
9031903 Method and system for providing network based transaction metrics  
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...
9031611 Secure element with terminal and mobile device interaction capabilities  
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...
9024722 Remote identification equipped self-service monetary item handling device  
An electronic process to capture, track and monitor unique identifying information regarding automated teller machine (ATM) deposits. ATMs equipped with radio-frequency identification (RFID) or...
9020858 Presence-of-card code for offline payment processing system  
Preventing fraud during an offline transaction by encoding a randomly-generated card verification code onto a smart card. The verification code is transmitted to a contactless device during each...
9020836 Method and system for mobile banking using a mobile application  
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...
9020853 Smart card loading transactions using wireless telecommunications network  
Smart card transactions allow consumers to load value onto and make purchases using smart cards with a mobile telephone handset over the telecommunications network. To load the smart card, the...
9020852 Systems and methods for activation and deactivation of appliances  
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...
9020850 Method and system for implementing effective governance of transactions between trading partners  
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...
9015074 Device and method for facilitating financial transactions  
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...
9015063 Secure device based NFC payment transactions  
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...
9008611 System and method for providing prepaid billing for instant messaging users  
A system and method for providing prepaid billing for users of an instant messaging system. A method includes determining whether a prepaid account balance associated with an IM client request...
8998708 Systems and methods for administration of non-wagering account associated with gaming environment  
A transaction facilitation system is disclosed that is configured to affect substantially real-time crediting and debiting of a gaming accounts maintained within a gaming environment and...
9000903 Systems and methods for vehicle monitoring  
A monitoring service is configured to receive monitoring data from one or more collision detection systems. The monitoring data may comprise collision detection information, such as a collision...
9002742 Computer implemented method for a recycling company to increase recycling demand  
Proposed is a computer-implemented method for a recycling company to increase recycling demand, the computer including a processor system having at least one processor and a memory system. The...
9002719 Device and method for building claim assessment  
Disclosed systems and methods automatically assess claims. A device may receive one or more images of a claimed object, such as a building or vehicle, compare the images to reference images and...
8996407 Method and apparatus for performing a financial transaction  
A system that performs a financial transaction on behalf of a user is presented. During operation, the system receives parameters for the financial transaction. Next, the system analyzes the...
8990117 Smartcard to virtual media conversion  
In one embodiment, a method for converting a smartcard into a virtual media in a transit system is provided. The method includes reading data from a smartcard. The data includes product...
8983501 Proximity-based task notification  
This document describes proximity-based task notification. By notifying a user of an entity at which the user can perform a task when that entity is near to the user, the techniques enable the...
8983867 Multi-dimensional credibility scoring  
A credibility scoring system produces a multi-dimensional entity credibility score that is derived from multiple dimensional component scores. The credibility scoring system derives each...
8976943 Voice phone-based method and system to authenticate users  
Provided is a method and a telephone-based system with voice-verification capabilities that enable a user to safely and securely conduct transactions with his or her online financial transaction...
8977567 Recordation of electronic payment transaction information  
A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. An account...
8977568 Anonymous mobile payments  
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...
8973120 System and method for receiving requests for tasks from unregistered devices  
Embodiments of a system and method for receiving task requests from unregistered devices are described. Embodiments may include a communication interface service configured to receive from a...
8972296 Dongle facilitated wireless consumer payments  
Computing systems and methods for facilitating consumer transactions in retail and other establishments include communication interfaces adapted to couple a computing system to a plurality of...
8972298 Merchant category codes in a proxy card transaction  
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...
8965781 Online pay-per-use system and method  
Aspects of the invention may involve systems, methods, and computer readable medium. In an embodiment of the invention, a computer-implemented method for paying for usage of a pay per use device...
8960537 Money transfer systems and methods  
The present invention provides systems and methods of facilitating money transfers. The method includes receiving, at a money transfer system, access to a customer's account, establishing, at the...
8966060 Determination apparatus and determination method to analyze traffic between a client device and a server group  
A determination apparatus includes a processor and a storage unit. The processor acquires through a communication network a request packet transmitted from a client device to a server device group...
8965798 Requesting reimbursement for transactions  
Various embodiments are directed to systems and methods for generating and delivering a reimbursement request from a customer of a financial institution. According to various embodiments a...
8959034 Transaction signature for offline payment processing system  
Preventing fraud during an offline transaction by encoding a randomly-generated card verification code onto a smart card. The verification code is transmitted to a contactless device during each...
8959633 Detecting anomalous behavior patterns in an electronic environment  
The behavior of a group of resources, such as a fleet of servers, can be monitored to attempt to determine a baseline of acceptable behaviors. When a behavior is observed, the baseline can be...
8954351 Food vending machine system incorporating a high speed stored energy oven  
A novel vending machine system integrating a food storage container and a high speed stored energy cooking oven capable of cooking foods in under one minute such as that further described by U.S....
8953754 Pre-authentication system and method for outgoing communication  
An automated calling system authenticates and subsequently communicates via a telephone network with a person such as a current or prospective customer. The communication may be in regards to an...
8949150 Fraud detection system automatic rule manipulator  
Embodiments of the invention are directed to a fraud detection system that automatically converts the currency and value of received transaction data to correspond to the currency in fraud...
8949151 System and method for transferring a timeshare property  
The present disclosure provides a computer-executable method for executing a web-based program for producing a title transfer document. The method includes sending an instruction to an electronic...
8949145 Systems and methods for the selection and purchase of digital assets  
The present invention provides systems and methods for enabling a customer to sample content and select content for purchasing while the customer is in a retail store. Advantageously, the customer...
8939360 Providing user information by presenting readable indicia with mobile device  
Embodiments of the invention are directed to systems, methods and computer program products for providing user information to a merchant during a transaction. Embodiments may generate a readable...
8943549 Methods and systems for online fraud protection  
This disclosure describes, generally, methods and systems for certifying user identities (IDs). The method includes receiving, from a customer, a certification request for a user ID. The method...
8942997 Payment system  
Embodiments of the invention provide a method of processing payment authorization requests for payment transactions to be conducted via a data communications network on behalf of online merchants,...
8943001 Post-paid, single click payments  
A deferred payment authorization system that allows users to exercise an instant purchase, deferred payment option for online payment without providing payment information. multiple transaction...
8936190 System and method for presenting information about an object on a portable electronic device  
Systems and methods are provided for enabling a portable electronic device to retrieve information about an object when the object's symbology, e.g., a barcode, is detected. According to one...
8935182 Electronic commerce using a transaction network  
The present invention is directed to a transaction network that facilitates and simplifies purchase transactions between any number of customers and any number of merchants. The transaction...
8934865 Authentication and verification services for third party vendors using mobile devices  
A method to provide authentication services to third party vendors by a service provider hosting an authentication, authorization and accounting (AAA) server or a similar device that can...
8931691 Dynamic payment device characteristics  
A payment device is disclosed. It includes a memory including payment data; and a display coupled to the memory. A processor is configured to execute one or more instructions for displaying the...
8934117 Equipment management system  
Systems and methods of management of electronic office equipment through automated monitoring and reporting of usage and status are disclosed. A monitoring agent monitors electronic office...
8930265 Monitoring retail transactions associated with a financial institution-based merchant offer program and determining savings metrics  
Embodiments of the invention provide for monitoring transactions and providing related savings metrics in association with a financial institution-based merchant offer program. Since the...