Patent application number | Description | Published |
20130018798 | System and Methods for Facilitating Fund Transfers Over a Network - In accordance with embodiments of the present disclosure, systems and methods for facilitating financial transactions over a network include communicating with a financial institution over the network, wherein the financial institution includes a first user account related to a user. The systems and methods include receiving a fund transfer request from the financial institution on behalf of the user and establishing a second user account related to the user based on user information passed with the fund transfer request. The systems and methods include processing the fund transfer request by linking the first user account to the second user account based on the user information passed with the fund transfer request, receiving funds from the financial institution associated with the first user account, and depositing the received funds in the second user account on behalf of the user. | 01-17-2013 |
20130080276 | SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS PROVIDING ELECTRONIC COMMUNICATION DURING TRANSACTIONS - An electronic device includes one or more processors configured to execute the instructions to: during a first communication session, sending first information regarding a transaction to a user device that is participating in the first transaction, interrupting the first communication session, pausing for a time to allow the user device to process the first information and to generate second information in furtherance of the transaction, establishing a second communication session with the user device, receiving the second information from the user device during the second communication session, and further processing the transaction using the second information. | 03-28-2013 |
20130080331 | System and Method for Instantaneous Retail Payment - A system for performing a retail payment between a customer and a merchant is provided. The system includes a signed scrip having a public key, a credit value, a signed scrip validation stamp, a credit value, and a validation stamp; a signed invoice comprising a transaction list and an invoice validation stamp; and a private key complementary to the public key, wherein the public key is used to decode the signed scrip; the private key is stored in a server coupled to a network; and the private key is used by the server to validate the authenticity of the signed invoice. Also provided is a method for performing a financial transaction using a system as above; and a non-transitory machine-readable medium including a plurality of machine-readable instructions to cause a server to perform a method as above, is provided. | 03-28-2013 |
20130084002 | RE-RANKING ITEM RECOMMENDATIONS BASED ON IMAGE FEATURE DATA - An apparatus and method to adjust item recommendations are disclosed herein. A first image attribute of a query image is compared to a second image attribute of each of a plurality of inventory images of a plurality of inventory items to identify the inventory items similar to the query image. Item recommendations comprising the identified inventory items in a first listing order are provided for display at a remote device. A second listing order of the identified inventory items is determined based on a user preference for a particular one of the identified inventory items. At least the second listing order is provided to the remote device for re-display of the item recommendations in accordance with the second listing order. | 04-04-2013 |
20130085790 | Organization of Group Attended Ticketed Event - Computing systems and methods for organizing group attended ticketed events. A computing system includes one or more memory device or storage components adapted to store user information regarding users of the computing system as well as event information regarding upcoming ticketed events, and one or more processors for conducting activities regarding ticketing for group members. Such activities include displaying information regarding a ticketed event, accepting a user input for inviting invitees to the ticketed event, communicating invitations to the invitees based on the input, receiving invitee response information from the invitees regarding interest in attending the ticketed event, and accepting a purchase request for tickets to the ticketed event from the user, wherein the purchase request is based at least in part on the invitee response information. | 04-04-2013 |
20130091030 | SYSTEMS AND METHODS FOR MARKETPLACE LISTINGS USING A CAMERA ENABLED MOBILE DEVICE - Computer-implemented systems and methods for generating marketplace listings using a camera enabled mobile device are described in which a request is received via a camera enabled mobile device to list one or more sale items. An image taken by the camera enable mobile device and depicting the one or more sale items is received. Image recognition is performed on the received image to identify the one or more sale items. Based on the identification of the one or more sale items depicted in the image, a set of descriptive data is automatically generated. The one or more sale items are listed on a marketplace using the image and the automatically generated set of descriptive data. | 04-11-2013 |
20130097071 | HYBRID ACCOUNT - A system, according to one embodiment, includes a hybrid account provided by an issuer to a user, the hybrid account having a balance, the balance being either positive, zero, or negative; and a financial instrument including a hybrid card, the hybrid card providing access to the hybrid account, in which transactions using the hybrid card provide interchange income to the issuer, the issuer charges interest to the hybrid account when the balance is negative, and the issuer pays interest to the hybrid account when the balance is positive. | 04-18-2013 |
20130097133 | NAVIGATION FOR LARGE SCALE GRAPHS - In one example embodiment, a method is illustrated as retrieving a plurality of search queries and defining relationships between search queries in the plurality of search queries based on semantic data associated with the search queries. A visual representation of the of the plurality of search queries may be generated and the visual representation may be partitioned into a plurality of tiles, each title representing a predefined portion of the visual representation. | 04-18-2013 |
20130103565 | AUCTION WITH INTEREST RATE BIDDING - A method, apparatus, system and machine-readable medium are provided for declining auctions with interest bidding. According to one embodiment, offers are received from respective bidders in a bid receiving process to transact a financial instrument, the offers being expressed as offered interest rates at which the corresponding respective bidders are willing to transact the financial instrument. The bid receiving process is utilized in a declining auction characterized by a reducing a published interest rate at which the financial instrument is offered for sale. The declining auction is terminated based on a predetermined period of time. | 04-25-2013 |
20130117145 | AUCTION OF MULTIPLE HETEROGENEOUS ITEMS AMONG MULTIPLE BUYERS AND SELLERS USING SOFTWARE AGENTS LINKED VIA A COMMUNICATION NETWORK - A method, system and computer program product for conducting an online auction of a plurality of heterogeneous items between a plurality of selling and potential purchasing parties. The method includes the steps of accepting an offer in respect of an item, accepting one or more subsequent offers that is/are preferable to a previously accepted offer, and rejecting the previously accepted offer. While the offer/s is/are binding on a party making the offer, acceptance of the offer/s is/are not binding on a party accepting the offer. Classes of “seller strategies”, for offering items to potential purchasing parties, and “buyer strategies”, to decide which offers to accept, are also disclosed. As a result of the interaction of the buyer and seller strategies, the auction mechanism converges to an allocation of items to buyers at particular prices and assists in discovering a free and fair competitive equilibrium price. | 05-09-2013 |
20130117180 | BILLING STATEMENT CUSTOMER ACQUISITION SYSTEM - Some described embodiments provide for selecting (e.g., by a server computer from a plurality of transaction records), a transaction record associated with a financial account of an account holder. In one example, the transaction record includes an indication of an amount due, by the account holder, for a previous purchase completed by the account holder with a first merchant. Some embodiments provide further for generating a billing statement for the account holder, the billing statement including an indication of the amount due by the account holder for the previous completed purchase and an indication of an acquisition offer, in which the acquisition offer comprises a promise from a second merchant to pay at least a portion of the amount due by the account holder, and transmitting the billing statement to the account holder. | 05-09-2013 |
20130124415 | SYSTEMS AND METHODS FOR SECURE AUTHENTICATION USING A WATERMARK - Systems, methods, and devices for authenticating a user using a watermark are provided. A device for authenticating a user includes one or more processors configured to prepare information including a watermark and a request for user credentials in response to a request for service requiring authentication, wherein the watermark comprises at least one of an image, text, a sound, a photo, and a combination thereof that is chosen by the user, and match received user credentials to stored user credential information. The device also includes a network interface component coupled to a network, the network interface component configured to receive the request for the service requiring authentication, and transmit the information including the watermark and the request for user credentials. The device further includes a memory, the memory storing the user credential information for matching to received user credentials. | 05-16-2013 |
20130125214 | AUTOMATIC PIN CREATION USING PASSWORD - A PIN is automatically generated based on at least one rule when the user enters a password through a user device. In one example, the PIN is a truncated version of the password where each character in the truncated version is mapped onto a number. The mapping can be a truncation at the beginning or end of the password, or the mapping can be with any pattern or sequence of characters in the password. This PIN generation may be transparent to the user, such that the user may not even know the PIN was generated when the password was entered. When the user attempts to access restricted content, the user may enter the PIN instead of the password, where the user may be notified of the rule used to generate the PIN so that the user will know the PIN by knowing the password. | 05-16-2013 |
20130138559 | METHOD AND SYSTEM TO AUTOMATE PAYMENT FOR A COMMERCE TRANSACTION - A method and system to automate payment for a commerce transaction is provided. Payment information related in part to a first electronic payment account associated with a first party and including information related to a second electronic payment account associated with a second party is received at a network-based commerce system. A request to complete a network-based commerce transaction upon occurrence of a termination event at the network-based commerce system is received. Payment information is automatically sent to the network-based payment system upon the occurrence of the termination event based on the first party being a registered and approved buyer with the network-based payment system, the sending of the payment information causing transfer of funds at the network-based payment system from the first electronic payment account to the second electronic payment account. | 05-30-2013 |
20130138587 | SYSTEM AND METHOD FOR GRAPH PATTERN ANALYSIS - In some example embodiments, a system and method are provided for graph pattern analysis. In example embodiments, pattern data of a primary network that includes data relating to relationships between entities are received. A secondary network based on the pattern data of the primary network is generated by using an algorithm that processes pattern characteristics extracted from the pattern data. The generated secondary network is provided for further analysis. | 05-30-2013 |
20130185652 | SYSTEM AND METHOD FOR DYNAMICALLY CHANGING THE CONTENT OF AN INTERNET WEB PAGE - A host Web page includes an evolving interactive dialog box wherein an Internet user may enter user data to be processed. When the user completes entering user data in a first revolution of the interactive dialog box, the first revolution is replaced with a second revolution of the evolving interactive dialog box without disturbing or affecting any other part of the host Web page being displayed. Beneficially, the first and second revolutions may be communicated to a user computer together with and at a same time as the host Web page. Also, the second revolution may include a variety of data which is selected or customized to match the user data submitted in the first revolution. Each revolution of the evolving interactive dialog box may be comprised of any combination of general textual data entry fields, category (pull-down) menus, contact information data entry fields, and opt-in/opt-out buttons. | 07-18-2013 |
20130191500 | METHODS AND SYSTEMS FOR PROVIDING A SYNCHRONOUS INTERFACE OVER AN ASYNCHRONOUS MESSAGE BUS - Techniques for providing a synchronous communication layer between a capability and an asynchronous message bus are presented. A method may receive, over a protocol connection, an initial event message from the first capability. The method may then update the initial event message to include a correlation identifier that is associated with the protocol connection. The updated initial event message is then sent through the asynchronous message bus, which may route the event message to a second capability. Then, the method may receive, through the asynchronous message bus, a response event message from the second capability. The method may then send the response event message to the first capability over the protocol connection. Sending the response event to the first capability may be based at least in part on the response event message including the correlation identifier. | 07-25-2013 |
20130198043 | SIMPLIFIED ORDERS USING WORDS OR PHRASES - A user communicates, such as through text, a phrase or word to quickly place and pay for an order. The phrase corresponds to details of the order and one phrase can contain orders with multiple merchants. Once the phrase is communicated, a service provider or merchant determines the order from the phrase and processes the order, which may include transmitting order details to the merchant(s) and processing the payment(s) to the merchant(s) on behalf of the user. | 08-01-2013 |
20130198086 | TRUSTED SERVICE MANAGER (TSM) ARCHITECTURES AND METHODS - A client device comprises a first secure element and a second secure element. The first secure element comprises a first computer-readable medium having a payment application comprising instructions for causing the client device to initiate a financial transaction. The second secure element comprises a second computer-readable medium having a security key, a payment instrument, stored authentication data and instructions for generating a secure payment information message responsive to the payment application. The secure payment information message comprises the payment instrument and is encrypted in accordance with the security key. | 08-01-2013 |