Patent application number | Description | Published |
20080201226 | MOBILE COUPON METHOD AND PORTABLE CONSUMER DEVICE FOR UTILIZING SAME - Embodiments of the present invention relate to systems and methods involving mobile coupons. In one embodiment, an indication of a prior purchase transaction over a payment processing network, serves as a trigger to generate and disseminate a mobile coupon for a subsequent transaction. By generating and promulgating the coupon within a limited time of the first transaction, the recipient is disposed to be receptive based upon his or her current shopping status and also possibly geographic location. According to another embodiment, information from a mobile coupon may be presented from the consumer to a merchant in a contactless manner, utilizing an antenna of a portable device operated by a consumer. Coupon information may be communicated to the merchant with the payment information, or prior to or subsequent to transmission of the payment information to the merchant. | 08-21-2008 |
20080319794 | HEALTH INFORMATION SERVICES USING PHONE - A method for storage and access to patient information over a payment processing network is disclosed. One embodiment of the invention includes receiving an authentication response message indicating that a requester is authorized to receive medical information, collecting medical information from various medical institutions via a payment processing network, storing the collected medical information at a central location, and providing specific medical information to the requester from the stored collected medical information. | 12-25-2008 |
20080319896 | CARDLESS CHALLENGE SYSTEMS AND METHODS - Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Challenge questions may be presented from the non-merchant to the consumer after receiving the payment information, thereby allowing a judicious determination of when to ask such challenge questions and allowing complex and probative questions. The time limit for such challenge questions may advantageously be unconstrained, while still preserving security. Also, a risk analysis may be started prior to the consumer submitting payment information, thus allowing an efficient and complex risk analysis. Information about an access device used by the consumer may be obtained at the non-merchant from the access device with code sent to the access device from the merchant, and the device information may be used in the risk analysis. | 12-25-2008 |
20080319904 | SEEDING CHALLENGES FOR PAYMENT TRANSACTIONS - Systems, methods, and apparatus are provided for authenticating a consumer using challenge questions. A response to a challenge question is verified via seeding the challenge question, receiving response, and deductively determining the answer. The verified response and challenge question may then be used to authenticate a consumer as part of an authorization process. | 12-25-2008 |
20080319905 | SECURE MOBILE PAYMENT SYSTEM - The present invention provides a method for conducting a transaction that includes receiving a pseudo account identifier that corresponds to a primary account identifier. The pseudo account identifier may be received at a portable wireless device and may be generated by a remote server computer. The portable wireless device can receive the pseudo account identifier over a first network and provide the pseudo account identifier to an access device. The access devices generally comprises a reader that can receive the pseudo account identifier, and thereafter send a message to request authorization of a transaction. The authorization request message may include the pseudo account identifier and is sent to a payment processing network. The authorization request message is sent to the payment processing network over a second network. The payment processing network may then process the authorization message and return a response that indicates if the transaction is authorized or not. | 12-25-2008 |
20090055277 | WIRELESS PAYMENT METHOD AND SYSTEMS - A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction. | 02-26-2009 |
20090055314 | WIRELESS PAYMENT METHOD AND SYSTEMS - A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction. | 02-26-2009 |
20090055316 | WIRELESS PAYMENT METHOD AND SYSTEMS - A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction. | 02-26-2009 |
20090119213 | ON-LINE AUTHORIZATION IN ACCESS ENVIRONMENT - A method is disclosed. The method includes interacting with a gate access device that is capable of preventing access to a location, where the gate access device subsequently sends an authorization request message to an issuer for approval, the authorization request message including a request to charge a predetermined amount of money to pay for access to a location, and entering the location if the gate access device receives an authorization response message indicating that the charge is authorized. | 05-07-2009 |
20090121016 | On-Line Authorization In Access Environment - A method for allowing on-line authorization in an access environment. The method includes receiving a request for access to a location at a gate access device from a user. After receiving the request for access to the location, an authorization request message is generated. The authorization request message includes an authorization to charge a predetermined amount of money. The authorization request message is then sent to an issuer for approval. An authorization response message is then received. The authorization response message indicates whether or not the charge is authorized or not authorized. If the authorization response message indicates that the authorization response message is authorized, then the user is allowed to access the location. | 05-14-2009 |
20090281948 | COMMUNICATION DEVICE INCLUDING MULTI-PART ALIAS IDENTIFIER - Methods and systems are disclosed for allowing financial transactions to be conducted using consumer devices. In some embodiments, the consumer device is a mobile communication device, such as a mobile phone. A payer initiates a transaction by sending a payment request message from a mobile phone which specifies the payee and amount to be paid. Payees are identified by unique aliases, which are maintained in a database. The aliases, in turn, are comprised of multiple parts. Each part of the alias may identify a relevant aspect of the transaction. For example, one part of the alias may identify the payee and another part of the alias may identify the financial institution of the account of the payee. Methods for assembling the enrollment and alias database are included. | 11-12-2009 |
20090319638 | GATEWAY SERVICE PLATFORM - A gateway service platform is disclosed that provides access to a payment processing system via an open network such as the internet. The gateway service platform also provides access to service systems that provide a variety of services and applications offered by or affiliated with the payment processing system. The gateway service platform allows the payment processing system to reach users and to facilitate transactions on a wide variety of devices that may not otherwise be able to connect to payment processing system. Other devices, such as payment terminal devices, can also interact with a payment processing system through the gateway service platform using the same network and protocol. Embodiments of the invention allow devices on these open networks to connect with the payment processing system without having to change the existing infrastructure of the payment processing system. | 12-24-2009 |
20090327134 | SYSTEMS AND METHODS FOR GEOGRAPHIC LOCATION NOTIFICATIONS OF PAYMENT TRANSACTIONS - A method and system for providing geographic location notifications of payment transactions is disclosed. One embodiment of the invention is directed to a method including receiving an authorization request message associated with a transaction, the transaction associated with a portable consumer device and an access device at a merchant. A geographic location of the transaction is determined. It is determined whether a notification message indicating that the transaction is occurring is required. Upon determining that the notification message is required, the notification message is sent to a notification device operated by a consumer and the notification device receives the notification message substantially simultaneously with the merchant's receipt of an authorization response message. A graphical depiction of the notification message is displayed on a map on the notification device. | 12-31-2009 |
20090327151 | SYSTEMS AND METHODS FOR VISUAL REPRESENTATION OF OFFERS - A method and system for providing geographic location notifications for targeted offers is disclosed. One embodiment of the invention is directed to a method including monitoring for an event to trigger a targeted offer. Upon detection of the event, the offer is generated. The offer is targeted to a consumer and is generated using payment data generated in response to transactions conducted by the consumer with a plurality of different merchants. A geographic location for redeeming the offer is determined. A notification message is generated about the offer. The notification message includes the offer and the geographic location for redeeming the offer. The notification message is sent to a notification device which is operated by the consumer. A graphical depiction of the offer is displayed on a map on the notification device. | 12-31-2009 |
20100017275 | MOBILE COMMUNICATION DEVICE CONFIGURED FOR TRANSIT APPLICATION - An apparatus configured for transit application and methods for utilizing the apparatus for transit application is disclosed. One embodiment of the invention is directed to a mobile communication device comprising a processor, a computer readable medium coupled to the processor, wherein the computer readable medium comprises code for receiving a first transit location, code for displaying options to select a second transit location, code for receiving a selection for a second transit location, and code for sending an authorization request message to an issuer associated with the mobile communication device. | 01-21-2010 |
20100075638 | SYSTEMS AND METHODS FOR SORTING ALERT AND OFFER MESSAGES ON A MOBILE DEVICE - A method and system for sorting alert and offer messages on a mobile device. One embodiment of the invention is directed to a method including receiving alert messages at a mobile device where each alert message contains transaction data associated with a transaction conducted with a merchant. Upon receiving the alert messages, the mobile device receives alert message sorting criteria from a user associated with the mobile device, sorts the alert messages according to the received offer sorting criteria, and displays the sorted alert messages. | 03-25-2010 |
20100082466 | BENEFICIARY INITIATED P2P, P2B PAYMENT MODEL - A system and method that allows a Payee to request payment from a Payor is disclosed. The system allows the Payee to issue an invoice in electronic form detailing the payment request to the Payor. The system further allows the Payor to pay the invoice using a suitable payment means, such as a credit card, without requiring any infrastructure investment on the part of the Payee. Finally, the system does not require that the Payee receive funds from the Payor in a specific account that is associated with the system. The system allows the Payee to receive their funds in any account specified by the Payee. | 04-01-2010 |
20100082467 | PHONE AND METHOD OF USING THE PHONE FOR BENEFICIARY INITIATED PAYMENTS - A phone containing a data bearing medium and a method of using that phone to allow a Payee to request payment from a Payor is disclosed. The data bearing medium contains instructions to direct the phone to enable the Payee to issue an invoice in electronic form detailing the payment request to the Payor. The phone further allows the Payor to pay the invoice using a suitable payment means, such as a credit card, without requiring any infrastructure investment on the part of the Payee. Finally, the phone does not require that the Payee receive funds from the Payor in a specific account. The phone allows the Payee to receive their funds in any account specified by the Payee. | 04-01-2010 |
20100094753 | P2P TRANSFER USING PREPAID CARD - A method and system for making a payment is disclosed. In the method, a Payor can specify an account from which to withdraw funds for the payment and specify an activation code necessary to activate the payment. The payment can be sent to a Payee in the form of a pre-paid transaction account. The account will not be activated unless the Payee provides the activation code. Funds can be withdrawn from the account specified by the Payor either in full at the time the payment is made or are withdrawn as the Payee uses the transaction account to access the funds. | 04-15-2010 |
20100114677 | SYSTEM INCLUDING AUTOMATED TELLER MACHINE WITH DATA BEARING MEDIUM - Embodiments of the present invention relate to systems and methods of providing customized offers to a consumer at an automated teller machine. The automated teller machine comprises a processor, a computer readable medium coupled to the processor, an output device coupled to the processor, and a reader coupled to the processor. The computer readable medium comprises code for receiving data from a portable ATM device and code for receiving a customized offer after receiving data from the portable ATM device. | 05-06-2010 |
20100114686 | REAL-TIME STATEMENT CREDITS AND NOTIFICATIONS - One embodiment of the invention is directed to a server computer comprising a processor and a computer readable medium coupled to the processor. The computer readable medium comprises code for receiving transaction data indicating that a payment transaction associated with a primary account number has occurred and matches a trigger record, code for determining whether the payment transaction qualifies for a credit, code for initiating a credit to an account associated with the primary account number, if the payment transaction qualifies for a credit, and code for sending an electronic notification message to a consumer associated with the primary account number substantially contemporaneously with receiving the transaction data. The electronic notification message includes information about a first offer and that the primary account was credited the amount of the first offer. For example, transaction data is received indicating that a consumer made a purchase with his credit card. If the purchase was in accordance with a previously sent offer, the consumer's account associated with the credit card is credited and the consumer is immediately notified that the account was credited. | 05-06-2010 |
20100117792 | DEVICE INCLUDING AUTHENTICATION GLYPH - A device used in an authentication process. The device includes a processor, a display coupled to the processor, and a computer readable medium coupled to the processor. The computer readable medium includes (i) code for displaying a first authentication image including a plurality of image elements including a set of image elements, where the image elements in the set of image elements are located at a first set of positions on a display screen, (ii) code for receiving a first glyph having a first configuration corresponding to the set of image elements from a user while the first authentication image is displayed, (iii) code for displaying a second authentication image including the plurality of image elements including the set of image elements, where the image elements in the set of image elements are located at a second set of positions on the display screen, where the second set of positions is different than the first set of positions, and (iv) code for receiving a second glyph having a second configuration corresponding to the set of image elements from a user while the first authentication image is displayed | 05-13-2010 |
20100120396 | DEVICE INCLUDING AUTHENTICATION GLYPH - A phone used in an authentication process. The phone includes a processor, a display coupled to the processor, and a computer readable medium coupled to the processor. The computer readable medium includes (i) code for displaying a first authentication image including a plurality of image elements including a set of image elements, where the image elements in the set of image elements are located at a first set of positions on a display screen, (ii) code for receiving a first glyph having a first configuration corresponding to the set of image elements from a user while the first authentication image is displayed, (iii) code for displaying a second authentication image including the plurality of image elements including the set of image elements, where the image elements in the set of image elements are located at a second set of positions on the display screen, where the second set of positions is different than the first set of positions, and (iv) code for receiving a second glyph having a second configuration corresponding to the set of image elements from a user while the first authentication image is displayed | 05-13-2010 |
20100138338 | INTELLIGENT ALERT SYSTEM AND METHOD - A system and method for generating an intelligent alert message is disclosed. A user enrolls in the messaging service. Information that the user provides during the enrollment process are sent into a database. the user performs a transaction using a portable consumer device. Transaction data are sent to a computer apparatus. The computer apparatus accesses the database containing alert customization data. An intelligent alert message is generated based on the transaction data and the alert customization data. The intelligent alert message is sent to a user device. For example, after a user uses a portable consumer device to buy gas at a fuel dispenser in a gas purchase transaction, an alert message that is received by a user's phone may be “This is a gas purchase transaction. The amount may vary.” In this example, the amount of the purchase is not known until after the user buys gas. | 06-03-2010 |
20100211938 | SCHEMA-BASED DYNAMIC PARSE/BUILD ENGINE FOR PARSING MULTI-FORMAT MESSAGES - A parse/build engine that can handle multi-format financial messages. The engine converts the different format messages into a common format, and the common format message is then processed by the business service application. A parser examines the message and determines an appropriate schema for the particular format of message received. The schema is a data structure in a schema registry that includes a grammar structure for the received format as well as pointers to handlers for converting the different fields of the message into the internal message format using the grammar structure (the “grammar” can include field sequence, field type, length, character encoding, optional and required fields, etc.). The handlers are individually compiled. As formats change, new formats or changes to old formats can be dynamically added to the parse/build engine by loading new schema and handlers. | 08-19-2010 |
20100243733 | AUTHENTICATION USING PHYSICAL CHARACTERISTICS OF TOKENS - A portable consumer device having a substrate layer, a protective layer and a brittle material layer having an intentionally created unique fissure patterns and systems and methods for making and using same are disclosed. The unique fissure pattern of the brittle material layer is detected and used to authenticate the portable consumer device. | 09-30-2010 |
20100270371 | OBSERVABLE MOMENT ENCRYPTION - A method, system and apparatus for encrypting a consumer identification number contained in a portable consumer device by gradually changing a consumer identification number when an observable moment is observed is disclosed. Observable moments can be exposure to light or an electromagnetic field, use of the portable consumer device or a change in temperature. A pattern or history of how the consumer identification number is gradually changed is used to authenticate the portable consumer device or the consumer. | 10-28-2010 |
20100272114 | ALERTS LIFE CYCLE - Server computers and methods for updating or changing user alert message settings when changes are made to one or more user accounts are disclosed. The change in the user accounts can include transfers of a user account or user account identifier from one user account issuer to another user account issuer. The change in user accounts can be initiated by a user or issuer associated with the user account. When changes are made to the user accounts or changes are made to the user alert message settings, the server computer can confirm the changes with the user or issuer associated with the user accounts that are changed. | 10-28-2010 |
20100274566 | LOCATION BASED PROCESSING OF ANNOUNCEMENTS FOR DELIVERY TO AN ANNOUNCEMENT RECIPIENT - An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement when there has been a satisfaction of an announcement condition, such as the consumer being determined to be located within a predetermined spatial zone. The content of the announcement may, in turn, facilitate a subsequent cashless transaction for resources of merchants. Implementations describe various permutations of the content of the announcement, the announcement condition, and the announcement recipient. | 10-28-2010 |
20100274567 | ANNOUNCING INFORMATION ABOUT PAYMENT TRANSACTIONS OF ANY MEMBER OF A CONSUMER GROUP - An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement when there has been a satisfaction of an announcement condition, such as the consumer being determined to be located within a predetermined spatial zone. The content of the announcement may, in turn, facilitate a subsequent cashless transaction for resources of merchants. Implementations describe various permutations of the content of the announcement, the announcement condition, and the announcement recipient. | 10-28-2010 |
20100274572 | ALERT ARCHITECTURE - Systems, architecture of the systems, and methods for generating alert message are disclosed. A user enrolls in an alert messaging service. Information that the user provides during an enrollment process are sent into a database. the user performs a transaction using a portable consumer device. Transaction data are sent to a computer apparatus. The computer apparatus accesses the database containing alert customization data. An alert message is generated based on the transaction data and the alert customization data. The alert message is sent to a user device. The systems, resources and processes responsible for performing the transaction and providing the alert messages are separated so that the transaction processing and alert generation are performed in parallel by systems in communication with each other. Utilizing such method prevents the transaction processing system from being overloaded with additional processes, while maintains a desired level of efficiency, security and reliability of the payment processing system. | 10-28-2010 |
20100274598 | NOTIFICATION OF RESOURCES OF INTEREST TO MEMBERS OF A CONSUMER GROUP - An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement when there has been a satisfaction of an announcement condition, such as the consumer being determined to be located within a predetermined spatial zone. The content of the announcement may, in turn, facilitate a subsequent cashless transaction for resources of merchants. Implementations describe various permutations of the content of the announcement, the announcement condition, and the announcement recipient. | 10-28-2010 |
20100274625 | TARGETING MERCHANT ANNOUNCEMENTS TRIGGERED BY CONSUMER ACTIVITY RELATIVE TO A SURROGATE MERCHANT - An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement when there has been a satisfaction of an announcement condition, such as the consumer being determined to be located within a predetermined spatial zone. The content of the announcement may, in turn, facilitate a subsequent cashless transaction for resources of merchants. Implementations describe various permutations of the content of the announcement, the announcement condition, and the announcement recipient. | 10-28-2010 |
20100274626 | RECEIPT OF COMMUNICATIONS FROM ANNOUNCEMENT RECIPIENTS OF CONSUMER DATA - An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement when there has been a satisfaction of an announcement condition, such as the consumer being determined to be located within a predetermined spatial zone. The content of the announcement may, in turn, facilitate a subsequent cashless transaction for resources of merchants. Implementations describe various permutations of the content of the announcement, the announcement condition, and the announcement recipient. | 10-28-2010 |
20100274627 | RECEIVING AN ANNOUNCEMENT TRIGGERED BY LOCATION DATA - An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement when there has been a satisfaction of an announcement condition, such as the consumer being determined to be located within a predetermined spatial zone. The content of the announcement may, in turn, facilitate a subsequent cashless transaction for resources of merchants. Implementations describe various permutations of the content of the announcement, the announcement condition, and the announcement recipient. | 10-28-2010 |
20100274652 | AUCTIONING OF ANNOUNCEMENTS - An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement when there has been a satisfaction of an announcement condition, such as the consumer being determined to be located within a predetermined spatial zone. The content of the announcement may, in turn, facilitate a subsequent cashless transaction for resources of merchants. Implementations describe various permutations of the content of the announcement, the announcement condition, and the announcement recipient. | 10-28-2010 |
20100274669 | BIDDING TO RECEIVE DATA AFTER A CONSUMER IS IN A ZONE - An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement when there has been a satisfaction of an announcement condition, such as the consumer being determined to be located within a predetermined spatial zone. The content of the announcement may, in turn, facilitate a subsequent cashless transaction for resources of merchants. Implementations describe various permutations of the content of the announcement, the announcement condition, and the announcement recipient. | 10-28-2010 |
20100274680 | PROVIDING AN ANNOUNCEMENT ABOUT TRANSACTIONS OF A TARGET MERCHANT TO A CONSUMER - An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement when there has been a satisfaction of an announcement condition, such as the consumer being determined to be located within a predetermined spatial zone. The content of the announcement may, in turn, facilitate a subsequent cashless transaction for resources of merchants. Implementations describe various permutations of the content of the announcement, the announcement condition, and the announcement recipient. | 10-28-2010 |
20100274689 | ALERT PRIORITIZATION LOGIC - A first embodiment of the present invention relates to systems and methods for determining a priority for a set of alert triggers and performing additional processing based on the determined priority. In some embodiments, additional processing may include generating and sending of alert messages. In other embodiments, additional processing may further include determining that the generating and sending of alert messages are to be delayed until a later time. In yet other embodiments, additional processing may include determining that no alert message is to be generated and sent. A second embodiment of the present invention relates to systems and methods for dynamically selecting a delivery channel and generating an alert message for the selected delivery channel. In some embodiments, the alert message may be formatted based on the selected delivery channel. According to one embodiment, the alert message may be generated based on a compact protocol format. When the alert message is received by a mobile device, the mobile device may use the alert message to generate a second alert message. | 10-28-2010 |
20100274691 | MULTI ALERTS BASED SYSTEM - Systems and methods for defining, observing and detecting triggering user account events that initiate a user account alert message to be sent to one or more users are disclosed. Location and merchant, transaction result, device and, usage history/trend types of user account alerts and trigger criteria can be defined or selected by users, issuers were notification alert engines. Alternatively, user account alerts and trigger criteria can be defined by analyzing previously observed user account events, such as credit card transactions, to determine user profiles and user account usage trends, i.e. credit card spending patterns, as baselines for comparing newly observed user account events. If information associated with the newly observed user account events match any of the trigger criteria or are inconsistent with the determined user profile or user account usage trends, then user account alerts can be sent to one or more users. | 10-28-2010 |
20100274720 | FRAUD AND REPUTATION PROTECTION USING ADVANCED AUTHORIZATION AND RULES ENGINE - Systems and methods are presented for analyzing a credit card or other financial transaction and, based on whether a score for the transaction meets or exceeds a user-selected threshold, sending a transaction notification message to a consumer's electronic device such as a cell phone. | 10-28-2010 |
20100274853 | MULTIPLE AGGREGATOR SUPPORT - Systems, methods and communication gateways for delivering timely, cost efficient and scalable user alert messages are disclosed. Using electronic communication media, user alert messages are generated by a communication gateway at the request of a requesting entity, such as a credit card issuer. The alert message is associated with a message identifier and then routed to one or more message aggregators based on the content of the alert message initiation request and a routing table. If the first selection of message aggregators is not available or otherwise unable to deliver the user alert message, then the communication gateway can reroute the user alert message to another message aggregator or queue the message for later delivery. The communication gateway can monitor and log the status and ability of the servicing message aggregator in the routing table to better facilitate timely delivery of the user alert messages. | 10-28-2010 |
20100274866 | MULTIPLE CHANNEL OPTIMIZATION FOR TRANSACTION MESSAGES - A first embodiment of the present invention relates to systems and methods for determining a priority for a set of alert triggers and performing additional processing based on the determined priority. In some embodiments, additional processing may include generating and sending of alert messages. In other embodiments, additional processing may further include determining that the generating and sending of alert messages are to be delayed until a later time. In yet other embodiments, additional processing may include determining that no alert message is to be generated and sent. A second embodiment of the present invention relates to systems and methods for dynamically selecting a delivery channel and generating an alert message for the selected delivery channel. In some embodiments, the alert message may be formatted based on the selected delivery channel. According to one embodiment, the alert message may be generated based on a compact protocol format. When the alert message is received by a mobile device, the mobile device may use the alert message to generate a second alert message. | 10-28-2010 |
20100280914 | SECURITY SYSTEM AND METHOD INCLUDING ALERT MESSAGES - A server computer is disclosed. It includes a processor; and a computer readable medium coupled to the processor. The computer readable medium includes (i) code for receiving an authorization request message, wherein the authorization request message is associated with a transaction, (ii) code for sending an authorization response message authorizing the transaction, (iii) code for sending a transaction alert message to a consumer device, where the transaction alert message includes information identifying the transaction, (iv) code for receiving an alert response message indicating that the transaction is not authorized, (v) code for sending a termination message, and (vi) code for receiving a chargeback message after sending the termination message. | 11-04-2010 |
20100299208 | MERCHANT COMPETITION ALERT - Embodiments of the present invention are directed to a system and method for determining the products involved in a transaction, and transmitting messages containing product specific data. Systems may be implemented to product identifiers during payment processing. The messages may be sent including product identifiers, and further information regarding the products associated with the product identifiers. | 11-25-2010 |
20100299249 | SKU LEVEL CONTROL AND ALERTS - Embodiments of the present invention are directed to a system and method for determining the products involved in a transaction conducted with a subsidiary user of a payment account, and transmitting messages containing product specific information. Systems may be implemented to transmit product identifiers during payment processing. The product specific information may be included in alert messages sent to an account holder. | 11-25-2010 |
20100318783 | SERVICE ACTIVATION USING ALGORITHMICALLY DEFINED KEY - Systems and methods for service activation using algorithmically defined keys are disclosed. A consumer who has a relationship with a first party may wish to enroll in a service provided by a third party. The first party can maintain control of such enrollments through the use of algorithmically defined keys. The algorithmically defined keys also allow the third party service provider to verify data provided by the consumer as matching data stored by the first party. The verification provides for data synchronization without requiring the third party to have access to the first parties data systems. | 12-16-2010 |
20100325047 | SYSTEM AND METHOD FOR PROVIDING ADVICE TO CONSUMER REGARDING A PAYMENT TRANSACTION - Systems, apparatuses, and methods for providing a consumer with an alert or other information regarding a payment transaction. When a consumer conducts a payment transaction, an alert may be sent to a device to enable the consumer to view the alert. The contents of the alert, the triggers for sending the alert, or the delivery channel for the alert may be determined by a set of preferences that the consumer set when registering for the alert service. In response to the alert, the consumer may send an SMS or other message that requests “help”, “advice”, “need information”, etc. In some embodiments, the consumer may select or activate a user interface element that enables them to obtain advice or information regarding the transaction. In some embodiments, a consumer request for help, advice, or more information may be generated by the consumer during or after a payment transaction. In response to the request for help, advice, or information, the invention may provide the consumer with a menu or list of topics of information that is available regarding the transaction. | 12-23-2010 |
20100325048 | SYSTEM AND METHOD FOR PROVIDING CONSUMER TIP ASSISTANCE AS PART OF PAYMENT TRANSACTION - Systems, apparatuses, and methods for conducting payment transactions are disclosed. In exemplary embodiments, a consumer may wish to add a tip or gratuity when paying for a good or service, such as a meal at a restaurant. Exemplary systems may generate an alert or other form of message based on the transaction, where the alert or message may include a suggested amount for a tip and/or provide the consumer with information that may be used to determine an amount for the tip. In some embodiments, the systems, apparatuses, and methods may automatically generate an estimated amount for the tip based on previously established user preferences, with the estimated amount being added to the underlying cost of the good or service when authorization is sought for the transaction. | 12-23-2010 |
20110035317 | SEEDLESS ANTI PHISHING AUTHENTICATION USING TRANSACTION HISTORY - Systems and methods for providing authentication verification for a correspondence and other messages are disclosed. A link, such as a uniform resource locator (URL) link, is placed in a correspondence and sent to a user. When the user follows the link, a list of personal transaction data from the user's credit card or other financial account is presented. Because the personal transaction data is substantially private to user and his or her financial institution and card servicing company and not known to the public, the recipient can be assured that the message truly came from the financial institution or the card servicing company and not from a phisher. | 02-10-2011 |
20110036906 | Gift Card Purchasing System - In a disclosed embodiment, a bill pay system presents a bill payment interface having an area for presenting bill payment details. The bill payment interface includes the display of one or more offers for purchase of gift cards. The one or more offers for purchase of gift cards may be determined based on merchants identified in the bill payment details. The bill payment details may be updated to reflect a purchase of an offered gift card. | 02-17-2011 |
20110040686 | MOBILE PAYMENT SYSTEM AND METHOD USING ALIAS - Methods and systems are disclosed for allowing financial transactions to be conducted using mobile phones. A payer initiates a transaction by sending a payment request message from a mobile phone which specifies the payee and amount to be paid. Payees are identified by unique aliases, which are maintained in a database. Methods for assembling the enrollment and alias database are included. | 02-17-2011 |
20110046969 | ALIAS HIERARCHY AND DATA STRUCTURE - Methods for creating an alias data structure are provided. A representative method includes receiving transaction information related to a first alias associated with an entity, receiving transaction information between a first object and the entity, and associating the first object with the first alias based at least in part on the transaction information related to the first alias and transaction information between the first object and the entity. The method further includes continually monitoring transaction information related to the first object and updating the association of the first object with the first alias in response to the transaction information. | 02-24-2011 |
20110047040 | ALIAS IDENTITY AND REPUTATION VALIDATION ENGINE - Methods and system for determining reputation information are provided. The method includes analyzing transactional and non-transactional information for an alias associated with an entity and determining reputation information for that alias. The reputation information is transferable across multiple domains. A user can request the reputation information about an entity prior to doing business with that entity. The reputation information is generated for merchants as well as users. The system can generate transaction risk score for every transaction to be conducted between two or more aliases. The system includes an alias identity and reputation validation server computer that receives inputs from various external systems and generated reputation information based on the inputs. Additionally, every individual user/merchant can manage his profile within the reputation database and enter some information manually. | 02-24-2011 |
20110047076 | ALIAS REPUTATION INTERACTION SYSTEM - Systems and method for generating reputation information for an alias are provided. The alias is associated with an entity. Payment transaction information related to a first alias associated with a first entity is received. The payment transaction information includes payment transactions performed by the first entity. In addition, non-payment transaction information related to the first alias is also received. The non-payment transactions include transaction between the first alias and one or more objects. The payment transaction information and the non-payment transaction information is analyzed to associate the one or more objects with the first alias. Thereafter, reputation information for the first alias is generated based at least in part on the payment transaction information and the non-payment transaction information. | 02-24-2011 |
20110047294 | ADAPTIVE GATEWAY FOR SWITCHING TRANSACTIONS AND DATA ON UNRELIABLE NETWORKS USING CONTEXT-BASED RULES - Application level switching of transactions at a gateway is provided. The gateway is configured to switch the transaction based on the application level content, a current state of a transport environment, and/or dynamic rules for switching transactions. For example, several possible service providers can be selected for the type of transaction, and the gateway can monitor not only the round-trip time through the network(s) to different possible service providers, but also the time required to complete the transaction at the application level and return a response. The application is chosen on the sending side of the network, and application level formatting is done on the sending side as well. The gateway uses modular code and data, and separate instances of processing code to allow dynamic updating. Rules for application service selection can be selectively uploaded to the gateway from a client. The rules for different available application services can be distributed across different gateways. | 02-24-2011 |
20110049233 | AUTHENTICATION USING PHYSICAL CHARACTERISTICS OF TOKENS - A point of issuance cracking device for producing and recording intentionally created unique crack patterns in a brittle material layer of portable consumer devices and methods of using same for authentication are disclosed. When a conductive material is used for the brittle material layer, the electromagnetic field (EMF) signature of the intentionally created cracks can be detected, stored and compared for the purposes of the authenticating the portable consumer device. | 03-03-2011 |
20110055058 | CONTACT ALERT SYSTEM AND METHOD - Embodiments of the present invention are directed to a system and method for receiving transaction data for a transaction, accessing a database comprising alert preference data, generating a contact alert message using the transaction data and alert preference data using a notification server coupled to the database wherein the contact alert message comprises contact information of a first person who conducted the transaction, and sending the contact alert message to a notification device of a second person. | 03-03-2011 |
20110073640 | EMF SIGNATURE DEVICE - Systems, methods and devices for making and using EMF signature enabled portable consumer devices are disclosed. EMF signature enabled portable consumer devices, such as credit cards, can include a conductive or semiconductive brittle material layer with an intentionally created random crack or fissure pattern. The intentionally created unique random crack patterns can be created by cost effective and highly scalable standardized processes. When an input signal is applied to the portable consumer device, an EMF signature based on the unique random crack pattern can be induced. The resulting EMF signature can be detected, processed and used as the basis for various encryption, security or authentication protocols. | 03-31-2011 |
20110093397 | ANTI-PHISHING SYSTEM AND METHOD INCLUDING LIST WITH USER DATA - A server computer is disclosed. It comprises a processor and a computer readable medium coupled to the processor. The computer readable medium comprises code executable by the processor for implementing a method comprising: (i) receiving a request to conduct a transaction, (ii) providing a user interface to a user in response to the request, wherein the user interface includes a list of candidate identification tokens, wherein the list of candidate identification tokens includes an authentic identification token and one or more non-authentic identification tokens, wherein the authentic identification token is associated with a user account. | 04-21-2011 |
20110125565 | Systems and Methods for Multi-Channel Offer Redemption - In one aspect, a system includes a transaction handler, a data warehouse to store transaction data recording transactions processed at the transaction handler and to store account data identifying an account of the user, and a portal to receive a user selection of a first portion of an advertisement and, in response, to present a user interface. The advertisement provides an offer and includes a second portion which when selected directs the user to a website of an advertiser. The data warehouse is to store data associating the offer with the account data of the user in response to a request made in the user interface. The system is to monitor transactions processed at the transaction handler to identify a purchase paid via the account and eligible for the redemption of the offer. The transaction handler is to provide statement credits to the user, if the payment transaction is identified. | 05-26-2011 |
20110131135 | ONLINE WARRANTY HISTORY STORAGE ACCESS - A message confirming a transaction for the purchase of an item can include identifiers for the item and for a consumer as well as information pertaining to the transaction. The item identifier is used to locate an express warranty for the item. The consumer identifier (e.g.; a number of an account issued to the consumer) is used to locate the consumer's file in which the express warranty is stored along with at least a portion of the information pertaining to the transaction. Other data received in respective messages can be also be stored in the consumer's file. Thereafter, the consumer identifier can be use to retrieve all express warranties stored in the file for past respective purchased items. Information about each express warranty can be compared to the stored portion of the information pertaining to the transaction so as to retrieve only those express warranties that are valid (e.g.; unexpired). | 06-02-2011 |
20110159850 | AUTHENTICATION AND HUMAN RECOGNITION TRANSACTION USING A MOBILE DEVICE WITH AN ACCELEROMETER - Methods, devices, and systems are presented for screen locking or delaying the screen locking of mobile devices, such as smart phones, based on whether the gait of the current user match that of its true, authorized owner. A user's gait can be measured using accelerometers embedded in the device. Other movements, such as where a user normally goes to work, can be measured using GPS or other positional location data and used to lock or delay locking of the screen. | 06-30-2011 |
20110159857 | INPUT DEVICE WITH AN ACCELEROMETER - Methods, devices, and systems are described for bumping a mobile device, such as a smart phone, against a fixed poster board display at a store to initiate a download of coupons, advertisements, or other benefits to the mobile device. Products can be rated by a user's up/down bump or other bump patterns. Using accelerometer-based inertial measurements, multiple users can control multiple mouse cursors on a large display with their mobile devices in order to select information to be downloaded to their mobile devices. | 06-30-2011 |
20110161136 | CUSTOMER MAPPING USING MOBILE DEVICE WITH AN ACCELEROMETER - Methods, devices, and systems are presented for detecting where shoppers in a store stop, turn, and look from accelerometers in their own smart phones or other mobile devices. These movement events can be correlated with merchandise on their receipts as well as the movement events and merchandise on the receipts of other users so that a map of the store's wares can be generated. The map can be used to inform manufacturers where their merchandise is stocked in the store or to advertise to shoppers as they browse the store. | 06-30-2011 |
20110173075 | Providing an Announcement About Transactions of a Target Merchant to a Consumer - An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement is formed when there has been a satisfaction of an announcement condition, such as the consumer being determined to be located within a predetermined spatial zone. The content of the announcement may, in turn, facilitate a subsequent cashless transaction for resources of merchants. Implementations describe various permutations of the content of the announcement, the announcement condition, and the announcement recipient. | 07-14-2011 |
20110187505 | Access Using a Mobile Device with an Accelerometer - Embodiments of the present invention are directed to systems, apparatuses and methods for using a mobile device with an accelerometer to gain access into a secured or restricted area. A first device and a second device interact by making physical contact with each other thereby generating interaction data that is representative of the physical interaction between the first and second device. The first and second device may be mobile phones. The second device may be a point of sale terminal, access point device, or any other stationary (i.e., in a fixed position) device positioned at a line, door, gate, or entrance. A server computer determines, based on interaction data, that the first device and the second device made physical contact. After determining that the first device and the second device made contact, communications may be initiated between the devices. Communications may relate an access transaction comprising an exchange of information, such as credentials, between a prospective entrant (operating the first device) and a gatekeeper (operating the second device) to verify that the prospective entrant is permitted or is not permitted access to a particular area that is secured or restricted by the gatekeeper. Other embodiments are direct to confirmation transactions. Access transaction and confirmation transactions may be combined with a financial transaction using a payment processing network. | 08-04-2011 |
20110187642 | Interaction Terminal - Embodiments of the present invention are directed to systems, apparatuses and methods for using a mobile device with an accelerometer to conduct a financial transaction by making contact with an interaction terminal, thereby generating interaction data that is representative of the physical contact between the mobile device and the interaction terminal. The mobile device may be a mobile phone. The interaction terminal may be a point of sale terminal, access point device, or any other stationary (i.e., in a fixed position) device positioned at a line, door, gate, or entrance. A mobile device with an accelerometer physically contacts the interaction terminal. The interaction terminal flexes, recoils, or moves and generates interaction data (e.g., accelerometer, location, time data, etc.) representative of the physical interaction between the mobile device and the interaction terminal. A server computer determines, based on interaction data, that the mobile device and the interaction terminal made physical contact. After determining that the mobile device and the interaction terminal made contact, communication may be initiated between the devices. Communications may relate to processing a payment transaction using a payment processing network. | 08-04-2011 |
20110189981 | Transaction Using A Mobile Device With An Accelerometer - Embodiments of the invention may use a first accelerometer to measure first acceleration data of a first device. Other interaction data, including time data and geographic location data, generated by the first device may also be recorded. First acceleration data is compared by a remote server computer to second acceleration data generated by a second accelerometer in a second device. If the first and second accelerometer data are substantially equal, it can be determined that the devices have interacted and communications can be initiated. After communications are initiated, a financial transaction is conducted. Accelerometer data may be stored and/or used as part of the authentication process in a payment processing network. Other embodiments of the invention use the accelerometer to generate movement security data to make financial transaction more secure. Accelerometer data is used for authentication, security, encryption, session keys, non-repudiation, or fraud protection. | 08-04-2011 |
20110191237 | Information Access Device and Data Transfer - Embodiments of the present invention are directed to systems, apparatuses and methods for using a first device with an accelerometer to transfer data by making contact with a second device with an accelerometer, thereby generating interaction data that is representative of the physical contact between the mobile device and the second device. The first device may be a mobile phone. The second device may be a mobile phone or a stationary kiosk or terminal. A first device with an accelerometer physically contacts the second device. Each of the first and second devices generate interaction data (e.g., accelerometer, location, time data, etc.) representative of the physical interaction between the first and second device. A server computer determines, based on interaction data, that the first device and the second device physically contact each other. After determining that the mobile device and the second device made contact, communications may be initiated between the devices. Communications may include customer-provided information (e.g., shopping lists) and merchant-provided information (e.g., items in stock or on sale from the consumer's shopping list). In some embodiments, at least two independent interactions between three devices transfer data from a first computing device to a second computing device, after each of the first and second computing devices independently interacts with a mobile device. | 08-04-2011 |
20110231235 | Merchant Configured Advertised Incentives Funded Through Statement Credits - An advertised incentive system receives advertised incentive configuration information provided by a merchant. The advertised incentive configuration information defines the content of advertised incentive banners. The advertised incentive banners are provided as needed to merchants to display on the merchant's website. Advertised incentive registration information is received from an account holder after the account holder interacts with the advertised incentive banner. Transaction information is received that contains a qualified purchase made by the account holder. The advertised incentive registration and the qualified purchase are matched. A statement credit is issued against the account holder's account and a debit is issued against the merchant's account in the amount of the statement credit. | 09-22-2011 |
20110264540 | Auctioning of Announcements - An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement when there has been a satisfaction of an announcement condition, such as the consumer being determined to be located within a predetermined spatial zone. The content of the announcement may, in turn, facilitate a subsequent cashless transaction for resources of merchants. Implementations describe various permutations of the content of the announcement, the announcement condition, and the announcement recipient. | 10-27-2011 |
20110282780 | METHOD AND SYSTEM FOR DETERMINING FEES AND FOREIGN EXCHANGE RATES FOR A VALUE TRANSFER TRANSACTION - A method for a value transfer operation includes determining a sender currency using the account information of the sender and a receiver currency using the BIN associated with the sender account. The method further includes determining a currency exchange rate, transaction fee, and currency markup fee based on the sender and receiver currencies and various attributes of the sender account and the receiver account. | 11-17-2011 |
20110307338 | Bidding to Receive Data After a Consumer is in a Zone - An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement when there has been a satisfaction of an announcement condition, such as the consumer being determined to be located within a predetermined spatial zone. The content of the announcement may, in turn, facilitate a subsequent cashless transaction for resources of merchants. Implementations describe various permutations of the content of the announcement, the announcement condition, and the announcement recipient. | 12-15-2011 |
20120011067 | GATEWAY ABSTRACTION LAYER - Systems, gateway computers, and methods for using a gateway abstraction layer and application platform interfaces for conducting service transactions are disclosed. A gateway abstraction layer computers can receive service requests in multiple message formats or communication protocols, transform those service requests into other message formats to process the service using one or more networks or third-party service providers. The results of the service request can then be translated back to the message format in which the original service request was received. The gateway abstraction layer can be maintained using update messages received from service providers. | 01-12-2012 |
20120041881 | SECURING EXTERNAL SYSTEMS WITH ACCOUNT TOKEN SUBSTITUTION - Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions. | 02-16-2012 |
20120059742 | SYSTEM AND METHOD FOR CUSTOM SERVICE MARKETS - Methods and systems for providing custom services are disclosed. A developer interface provides standards, such as an application platform interface, for developers to use to make and test applications and services. A user interface can access downloadable or hosted services or applications to multiple users, such as, merchants, banks and networks. The system can then provide custom individual or packages of services to users based on the services requested by the user and charge the user for them on a subscription or per-use basis. | 03-08-2012 |
20120059758 | Protecting Express Enrollment Using a Challenge - Embodiments of the invention relate to security features to prevent one from trying to enter multiple different payment card number combinations into a payment request form for an online transaction in an effort to probe for the accurate payment information. | 03-08-2012 |
20120072997 | Systems and Methods to Modify Interaction Rules During Run Time - In one aspect, a computing apparatus is configured to represent offer rules based on requirements for the detection of predefined types of events and actions scheduled to be performed in response to the detection of each occurrence of the events. The events are independent from each other in processing and are linked via prerequisite conditions to formulate the requirements of an offer campaign. The computing apparatus is configured to store data indicating the completion statuses of the events and process the events, including the scheduled actions, if any, in an atomic way. Thus, the offer rules can be changed on-the-fly during run time execution by the computing apparatus. | 03-22-2012 |
20120078697 | Systems and Methods to Program Operations for Interaction with Users - In one aspect, a computing apparatus is configured to represent offer rules based on requirements for the detection of predefined types of events and actions scheduled to be performed in response to the detection of each occurrence of the events. The events are independent from each other in processing and are linked via prerequisite conditions to formulate the requirements of an offer campaign. | 03-29-2012 |
20120078699 | Systems and Methods to Program Operations for Interaction with Users - In one aspect, a computing apparatus is configured to represent offer rules based on requirements for the detection of predefined types of events and actions scheduled to be performed in response to the detection of each occurrence of the events. The events are independent from each other in processing and are linked via prerequisite conditions to formulate the requirements of an offer campaign. | 03-29-2012 |
20120109818 | Third Party Integrated Security System - A third party payment system is provided which allows a user to conduct transactions through payment accounts stored on the third party payment system. The user can enroll in the third party payment system and create an account with registered payment accounts. The user can access the payment accounts via a mobile device and load the payment data associated with a payment account to the mobile device. The user can then utilize the mobile device to provide payment during a transaction. | 05-03-2012 |
20120116975 | SYSTEM AND METHOD UTILIZING DEVICE INFORMATION - A method for correlating information received directly from an access device operated by a user, and information from a merchant server is disclosed. The method includes receiving, at a server computer of a non-merchant entity, device information specifically associated with an access device directly from the access device, and also receiving, at the server computer of the non-merchant entity, transaction information from a merchant server. The server computer then correlates and collected information and can perform additional processing. | 05-10-2012 |
20120123882 | Cardless Challenge Systems and Methods - Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Challenge questions may be presented from the non-merchant to the consumer after receiving the payment information, thereby allowing a judicious determination of when to ask such challenge questions and allowing complex and probative questions. The time limit for such challenge questions may advantageously be unconstrained, while still preserving security. Also, a risk analysis may be started prior to the consumer submitting payment information, thus allowing an efficient and complex risk analysis. Information about an access device used by the consumer may be obtained at the non-merchant from the access device with code sent to the access device from the merchant, and the device information may be used in the risk analysis. | 05-17-2012 |
20120136704 | Systems and Methods to Reward User Interactions - In one aspect, a system includes a transaction handler, a data warehouse to store transaction data recording transactions processed at the transaction handler and to store account data identifying an account of a user, and a portal to receive a user selection of a first portion of an advertisement announcing a reward. The portal is to track user interactions associated with the advertisement to determine whether the user is qualified for the reward. Upon a determination that the user has completed the user interactions for the reward, the transaction handler is to provide the reward to the account of the user via statement credit. | 05-31-2012 |
20120150744 | Systems and Methods for Secure and Transparent Cardless Transactions - Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Payment information can be sent directly from a consumer to a non-merchant, thereby allowing no new entities to obtain the payment information. Transaction identifiers can be used to facilitate communications among the entities. The payment information can be sent to the non-merchant via a merchant application with a submit payment button directed to the non-merchant so little or no deviations from standard practices are required. | 06-14-2012 |
20120158591 | CONSUMER AUTHENTICATION SYSTEM AND METHOD - A method for authenticating a consumer. The method includes receiving an authorization request message associated with a consumer conducting a transaction with a portable consumer device. A challenge message is sent to the consumer, where the challenge message is dynamic or semi-dynamic. A challenge response message is received from the consumer, and an authorization response message is sent to the consumer. The authorization response message indicates whether or not the transaction is authorized. | 06-21-2012 |
20120166341 | DEVICE INCLUDING AUTHENTICATION GLYPH - A method is disclosed. It includes displaying, by a device, an authentication image including a plurality of image elements comprising a set of image elements, wherein the image elements in the set of image elements are located at a set of positions on a display screen. The method also comprises receiving, at the device, a glyph having a configuration corresponding to the set of image elements from a user while the authentication image is displayed. The method further comprises determining if the glyph is authentic, and initiating a payment transaction after receiving the glyph. | 06-28-2012 |
20120198518 | OBSERVABLE MOMENT ENCRYPTION - A method, system and apparatus for encrypting a consumer identification number contained in a portable consumer device by gradually changing a consumer identification number when an observable moment is observed is disclosed. Observable moments can be exposure to light or an electromagnetic field, use of the portable consumer device or a change in temperature. A pattern or history of how the consumer identification number is gradually changed is used to authenticate the portable consumer device or the consumer. | 08-02-2012 |
20120209749 | SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS - The SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS (“SNAP”) transform real-time-generated merchant-product Quick Response codes via SNAP components into virtual wallet card-based transaction purchase notifications. In one embodiment, the SNAP obtains a snapshot of a QR code presented on a display screen of a point-of-sale device from a mobile device. The SNAP decodes the QR code to obtain product information included in a checkout request of the user, and merchant information for processing a user purchase transaction with a merchant providing the QR code. The SNAP accesses a user virtual wallet to obtain user account information to process the user purchase transaction with the merchant. Using the product information, merchant information and user account information, the SNAP generates a card authorization request, and which the SNAP provides to a payment network for transaction processing. Also, the SNAP obtains a purchase receipt confirming processing of the user purchase transaction. | 08-16-2012 |
20120215693 | METHOD AND SYSTEM FOR MANAGING DATA AND ENABLING PAYMENT TRANSACTIONS BETWEEN MULITPLE ENTITIES - A system for conducting payment transaction includes a network-enabled server that communicates with one or more user devices, other network-enabled server computers, and a payment processing network server computer. The network-enabled server facilitates transactions between one or more merchants and users by a managing data flow and interactions between the merchants and the users, providing storage area for storing of all transaction related documents, and providing seamless integration with a payment processing network for payment processing. | 08-23-2012 |
20120233073 | Universal Value Exchange Apparatuses, Methods and Systems - The UNIVERSAL VALUE EXCHANGE APPARATUSES, METHODS AND SYSTEMS (“UVE”) transform cross-ecosystem currency exchange instructions via UVE components into cross-ecosystem currency exchanges. In one embodiment, the UVE may obtain a cross-ecosystem currency exchange instruction and determine one or more sources and destinations based on parsing the cross-ecosystem currency exchange instruction. The UVE may identify currency types associated with the sources and the destinations and determine exchange rates of the currency types relative to a standard currency. In one implementation, the UVE may obtain currency exchange restrictions and conditions associated with the sources and the destinations and generate a currency exchange flow path for currency transfer from the sources to the destinations. The UVE may also issue currency transfer requests to the sources and the destinations, determine that the cross-ecosystem currency exchange has been completed and provide a notification of completion of the cross-ecosystem currency exchange. | 09-13-2012 |
20120239575 | Wireless Payment Method and Systems - A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction. | 09-20-2012 |
20120259784 | FRAUD AND REPUTATION PROTECTION USING ADVANCED AUTHORIZATION AND RULES ENGINE - Systems and methods are presented for analyzing a credit card or other financial transaction and, based on whether a score for the transaction meets or exceeds a user-selected threshold, sending a transaction notification message to a consumer's electronic device such as a cell phone. | 10-11-2012 |
20120271691 | SYSTEMS AND METHODS TO PROVIDE OFFER COMMUNICATIONS TO USERS VIA SOCIAL NETWORKING SITES - Systems and methods to integrate offer processing in a social networking environment. A computing apparatus includes: a data warehouse configured to store data associating a social networking account of a user with a financial payment account of the user; a portal configured to provide an offer to the user of the social networking account and to store data associating the offer with the financial payment account; a transaction handler configured to monitor transactions in the financial payment account of the user and detect a transaction that satisfies a set of requirements of the offer, when an authorization request for the transaction is being processed by the transaction handler; a message broker configured to generate a message in response to the transaction being detected; and a media controller coupled with the message broker to communicate the message to a social networking site. | 10-25-2012 |
20120284187 | SYSTEM AND METHOD FOR PROCESSING PAYMENT TRANSACTIONS - A system and associated data processing flow for processing payment transactions that are conducted using a payment account or portable consumer device. The portable consumer device may be in any suitable form, including cards, key fobs, devices containing a contactless element, smart cards (having contacts or without contacts), etc. The invention separates the authentication of the payment account or payment device from the transaction authorization process, enabling different entities to be responsible for each of those functions. | 11-08-2012 |
20130013508 | SECURE MOBILE PAYMENT SYSTEM - The present invention provides a method for conducting a transaction that includes receiving a pseudo account identifier that corresponds to a primary account identifier. The pseudo account identifier may be received at a portable wireless device and may be generated by a remote server computer. The portable wireless device can receive the pseudo account identifier over a first network and provide the pseudo account identifier to an access device. The access devices generally comprises a reader that can receive the pseudo account identifier, and thereafter send a message to request authorization of a transaction. The authorization request message may include the pseudo account identifier and is sent to a payment processing network. The authorization request message is sent to the payment processing network over a second network. The payment processing network may then process the authorization message and return a response that indicates if the transaction is authorized or not. | 01-10-2013 |
20130024371 | ELECTRONIC OFFER OPTIMIZATION AND REDEMPTION APPARATUSES, METHODS AND SYSTEMS - The ELECTRONIC OFFER OPTIMIZATION AND REDEMPTION APPARATUSES, METHODS AND SYSTEMS (“EOOR”) transform payment card information, user payment card selection preference, and purchase inputs via EOOR components into card addition completion. In one implementation the EOOR performs a method, comprising: receiving a purchase order request via a consumer wallet device; determining a wallet account identifier from the purchase order request; determining a merchant from the purchase order request; retrieving a payment card identifier of at least one payment card associated with the wallet account identifier; generating an offer data query on the payment card identifier; executing the offer data query and retrieving offer data; obtaining user payment card and offer selection preference data; determining an optimized payment card and offer selection based on the user payment card and offer selection preference data; and executing a payment transaction using the optimized payment card and offer selection in response to the purchase order request. | 01-24-2013 |
20130036003 | INPUT DEVICE WITH AN ACCELEROMETER - Methods, devices, and systems are described for bumping a mobile device, such as a smart phone, against a fixed poster board display at a store to initiate a download of coupons, advertisements, or other benefits to the mobile device. Products can be rated by a user's up/down bump or other bump patterns. Using accelerometer-based inertial measurements, multiple users can control multiple mouse cursors on a large display with their mobile devices in order to select information to be downloaded to their mobile devices. The multiple users can bump the display in order to select their items simultaneously. | 02-07-2013 |
20130073859 | SYSTEMS AND METHODS TO SECURE USER IDENTIFICATION - In one aspect, a computing apparatus is configured to verify a digital signature applied on a set of data received from a user device, including an user ID assigned by a partner system to uniquely identify a user of the user device among customers of the partner system, and a user device identifier identifying the user device. The digital signature is generated via applying a cryptographic one-way hash function on a combination of the set of data and a secret, shared between the computing apparatus and the partner system via a secure communication channel separate from a channel used to receive the set of data. | 03-21-2013 |
20130085869 | Systems and Methods to Provide a User Interface to Control an Offer Campaign - In one aspect, a computer implemented method is provided for the provision, on a computing apparatus, of a user interface configured via a portal to permit a merchant to define an offer campaign. The offer has a plurality of milestones required to be met in order to provide a benefit to a user. The computing apparatus may be further configured to associate the offer with a user, detect the progress of the user toward the milestone, and transmit a message to the user regarding the user's progress toward the milestone. | 04-04-2013 |
20130091000 | Systems and Methods to Provide Discount at Point of Sales Terminals - A system and method includes a transaction handler configured to modify the transaction amount, in the authorization request or the authorization response of a transaction, in accordance with an offer that is applicable to the transaction to apply the benefit of the offer to the transaction. | 04-11-2013 |
20130117108 | SYSTEMS AND METHODS TO COMMUNICATE WITH USERS VIA SOCIAL NETWORKING SITES - In one aspect, a computing apparatus is configured with a configurable, generic, data-driven model, in which properties of social networking sites/applications are stored and used in communicating offer-related messages via social networking sites. | 05-09-2013 |
20130124287 | SYSTEMS AND METHODS TO PROVIDE DISCOUNT AT POINT OF SALES TERMINALS - A system and method configured to use a transaction handler to modify the transaction amount of a transaction between an acquirer processor and an issuer processor, during the processing of the authorization of the transaction, in accordance with an offer that is applicable to the transaction to apply the benefit of the offer to the transaction and to provide information of the offer as applied to the transaction in the authorization response transmitted to the acquirer processor. | 05-16-2013 |
20130124417 | SYSTEMS AND METHODS TO PROVIDE GENERALIZED NOTIFICATIONS - A computing apparatus is configured to generate a generalized message to report information about an event, such as the processing of an authorization request or a settlement request for a transaction made using a consumer account of a user, to an aggregator, which is configured to further process the generalized message to provide services to the user, such as providing customized notification to the user, providing offers to the user, redeeming coupons or loyalty currency for the user, etc. | 05-16-2013 |
20130143533 | SYSTEMS AND METHODS FOR SORTING ALERT AND OFFER MESSAGES ON A MOBILE DEVICE - A method and system are presented for sorting alert and offer messages on a mobile device. One embodiment of the invention is directed to a method including receiving alert messages at a mobile device where each alert message contains transaction data associated with a transaction conducted with a merchant. Upon receiving the alert messages, the mobile device receives alert message sorting criteria from a user associated with the mobile device, sorts the alert messages according to the received offer sorting criteria, and displays the sorted alert messages. | 06-06-2013 |
20130159446 | Supplemental Alert System and Method - Embodiments of the invention provide an “also notify” feature that allows a user to set up rules to notify a recipient that a transaction was conducted by the user. When a user conducts a transaction using an account associated with a server computer in an alert system, the server computer generates an alert message if a rule is triggered. The alert message is transmitted to the user informing of the transaction. The server computer also notifies a recipient on a platform specified in the triggered rule by the user, using a supplemental alert message. | 06-20-2013 |
20130160098 | FAMILIAR DYNAMIC HUMAN CHALLENGE RESPONSE TEST CONTENT - Embodiments of the invention are directed to human challenge response test delivery systems and methods. Specifically, embodiments of the present invention are directed to secure human challenge response test delivery services of configurable difficulty for user devices. One embodiment of the present invention is directed to methods and systems for implementing a familiar and dynamic human challenge response test challenge repository created from transaction data. The dynamic human challenge response test challenge repository may be created by a server computer receiving a plurality of transaction data. Challenge items may be extracted from the transaction data using an extraction algorithm. Furthermore, in some embodiments a challenge message may be sent to a requestor, a verification request may be received, and the verification request may be compared to the challenge message. Another embodiment may be directed at using user information in a human challenge response test to mutually authenticate a user and a service provider. | 06-20-2013 |
20130160104 | ONLINE ACCOUNT ACCESS CONTROL BY MOBILE DEVICE - Systems and methods for controlling access to an online account are described. An access control message including an action to be performed on an online account can be sent from a mobile device to a server. A user verification query message can be sent to the mobile device. A user verification response message can be received from the mobile device. The user verification response message can include verification information that is different from login information for the online account. The user verification response message can be verified by comparing the verification information to stored information. If the user verification response message is successfully verified, the action indicated in the access control message can be performed on the online account. | 06-20-2013 |
20130191195 | SYSTEMS AND METHODS TO PRESENT AND PROCESS OFFERS - A user interface is provided to present offers via icons displayed near the location of the user on a map. Offers presented on the map may include active offers previously selected by the user and currently associated with the consumer account of the user for active participation, matching offers that have a set of targeting criteria which the user meets, and location-based offers that target locations in the vicinity of the location of the user. Icons for the location-based offers are presented at their respective targeting locations; and the active offers and matching offers are presented around the location of the user on the map for convenient access. A user interface allows the user to explore available offers, view information associated with the respective offers, and select offers in which to participate. | 07-25-2013 |
20130191198 | SYSTEMS AND METHODS TO REDEEM OFFERS BASED ON A PREDETERMINED GEOGRAPHIC REGION - A computing apparatus is configured to store an offer provided to a plurality of users. The offer has a set of requirements to be met for a benefit, such as one or more purchase requirements, and a presence requirement formulated based on a time period, a geographic region, and a user limit. A user is determined to meet the presence requirement when the user is identified to be within the geographic region at a time during the time period before the current number of users who meet the presence requirement exceeds the user limit. The computing apparatus is configured to identify users who meet the presence requirement and monitor transactions in the financial payment accounts of such users to identify accounts that satisfy the purchase requirements, and configured to provide the benefit of the offer to the respective accounts that satisfy the set of requirements of the offer. | 07-25-2013 |
20130191284 | P2P Transfer Using Prepaid Card - A method and system for making a payment is disclosed. In the method, a Payor can specify an account from which to withdraw funds for the payment and specify an activation code necessary to activate the payment. The payment can be sent to a Payee in the form of a pre-paid transaction account. The account will not be activated unless the Payee provides the activation code. Funds can be withdrawn from the account specified by the Payor either in full at the time the payment is made or are withdrawn as the Payee uses the transaction account to access the funds. | 07-25-2013 |
20130198077 | SEEDING CHALLENGES FOR PAYMENT TRANSACTIONS - Systems, methods, and apparatus are provided for authenticating a consumer using challenge questions. A response to a challenge question is verified via seeding the challenge question, receiving response, and deductively determining the answer. The verified response and challenge question may then be used to authenticate a consumer as part of an authorization process. | 08-01-2013 |
20130204703 | SYSTEMS AND METHODS TO PROCESS REFERRALS IN OFFER CAMPAIGNS - In one aspect, a computing apparatus is configured to represent offer rules based on requirements for the detection of predefined types of events, and actions scheduled to be performed in response to the detection of each occurrence of the events. The events are processed independently from each other and are linked via prerequisite conditions to formulate the requirements of an offer campaign. In one embodiment, the requirements for the detection of the events are specified based on predetermined types of events, including a first type for an event specified for interaction with a first user when the first user performs an action as a result of a referral from a second user, and a second type for an event specified for interaction with the second user in response to the first user performing the action. | 08-08-2013 |
20130218664 | SYSTEMS AND METHODS TO PROVIDE AND ADJUST OFFERS - In one aspect, a computing apparatus is configured to allow merchants to initiate offers in an offer campaign based on a spending pattern specified by the merchant, such as the lack of transactions in a predetermined period of time of the day, in a recent time period, and/or in a particular merchant category. The offer campaign can be adjusted between offer delivery/announcement and fulfillment for a limited time period. The benefit of a further purchase may be announced via a message scheduled to be transmitted in response to an event identifying the arrival of a particular time instance, in response to a qualification notification of a transaction satisfying the requirements of a purchase event required in the offer campaign, or in response to the detection of a required spending pattern. | 08-22-2013 |
20130218670 | SYSTEMS AND METHODS TO PROCESS AN OFFER CAMPAIGN BASED ON INELIGIBILITY - In one aspect, a computing apparatus is configured to represent offer rules based on requirements for the detection of predefined types of events and actions scheduled to be performed in response to the detection of each occurrence of the events. The events are independent from each other in processing and are linked via prerequisite conditions and/or ineligibility conditions to formulate the requirements of an offer campaign. In one embodiment, the ineligibility of a user, participating in the offer campaign, to meet the requirements of a first event leads to the monitoring of a second event that has a prerequisite condition formulated based on the ineligibility of the user to meet the requirements of the first event; and the second event provides an alternative path within the offer campaign when the user cannot meet the requirements of the first event. | 08-22-2013 |
20130232074 | System and Method for Providing Alert Messages with Modified Message Elements - Embodiments of the invention provide for alert messages with modified transaction alert message elements and non-modified transaction alert message elements. The modified transaction alert message elements are designed to call the user's attention to them. They may relate to transaction details that are somewhat abnormal, and therefore potentially fraudulent. | 09-05-2013 |
20130238413 | SYSTEMS AND METHODS TO PROCESS OFFERS VIA MOBILE DEVICES - A mobile device is configured with a mobile application to direct a user to a location of more interest to the user based on benefits of offers provided to the user. The mobile application may be configured to capture an image of an offer presented in an advertisement via a digital camera, identify the offer from the image, and store data associating the offer with one or more accounts of the user. The mobile application is configured to present information to suggest a direction of travel to the user for improved opportunities to take advantage of the offers. | 09-12-2013 |
20130246150 | SYSTEMS AND METHODS TO APPLY THE BENEFIT OF OFFERS VIA A TRANSACTION HANDLER - A system includes a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing an account holder, into separate transactions with the issuer processor and at least one sponsor processor that is configured to provide the benefit of offers to applicable transactions. A portal is configured to notify the account holder of the award/redemption of the benefit of an offer using a communication channel separate from the transaction terminal that initiates and approves the transaction between the account holder and the merchant. | 09-19-2013 |
20130246199 | POINT-OF-TRANSACTION ACCOUNT FEATURE REDIRECTION APPARATUSES, METHODS AND SYSTEMS - The POINT-OF-TRANSACTION ACCOUNT FEATURE REDIRECTION APPARATUSES, METHODS AND SYSTEMS (“PTR”) transform point-of-transaction account feature user preference and payment account inputs using PTR components into redirected transaction and preference triggers. In some implementations, the disclosure provides a processor-implemented method of transforming user preference values into transaction account identifier values for increasing transaction processing efficiency and reducing repetitive data exchanges between merchants and consumers. | 09-19-2013 |
20130246273 | SYSTEMS AND METHODS TO GENERATE A RECEIPT FOR A TRANSACTION - A system includes a transaction terminal that is configured to examine an authorization response for an indicator, which, when set, causes the transaction terminal to communicate with a portal to obtain content relevant to the receipt for the transaction approved by the authorization response. The content may identify the benefit of an offer applied to the transaction, which is not reflected in the authorization response. The content may direct the user to select an option regarding the delivery of the receipt. Options presented for selection include suppression of the printing of the paper receipt in favor of an electronic receipt transmitted to a communication reference of the user, printing a mini paper receipt in addition to transmitting an electronic receipt, and/or printing the full paper receipt at the transaction terminal. | 09-19-2013 |
20130254008 | SYSTEMS AND METHODS TO APPLY BENEFIT OF OFFERS - To automate the redemption of offer benefits, data associating offers and payment accounts is stored in the data warehouse of a first transaction handler. If a payment account to which an offer is associated is in the payment processing network of a second transaction handler separate from the first transaction handler, the system uses a payment processor that is in both the payment processing network of the first transaction handler and the payment processing network of the second transaction handler to communicate with the first transaction handler to detect the authorization request in the payment account that satisfies the benefit redemption requirements of the respective offer and apply the offer benefit to the transaction when the authorization request is detected. | 09-26-2013 |
20130262312 | Mobile Alert Transaction System and Method - A method and system for providing geographic location notifications of payment transactions is disclosed. One embodiment of the invention is directed to a method including receiving an authorization request message associated with a transaction, the transaction associated with a portable consumer device and an access device at a merchant. A geographic location of the transaction is determined. It is determined whether a notification message indicating that the transaction is occurring is required. Upon determining that the notification message is required, the notification message is sent to a notification device operated by a consumer and the notification device receives the notification message substantially simultaneously with the merchant's receipt of an authorization response message. A graphical depiction of the notification message is displayed on a map on the notification device. | 10-03-2013 |
20130268333 | SYSTEMS AND METHODS TO PROCESS TRANSACTIONS AND OFFERS VIA A GATEWAY - A system, configured to integrate the processing of transactions and offers applicable to the transactions, includes: a data warehouse storing an offer in association with a financial payment account; a gateway configured to receive an authorization request that is transmitted from a transaction terminal without going through an acquirer processor, the gateway coupled with the data warehouse to determine whether the offer is applicable to the authorization request and if so, apply a benefit of the offer to the authorization request; and a transaction handler coupled with the gateway to process the authorization request submitted from the gateway, provide an authorization response corresponding to the authorization request, and communicate with the acquirer processor to credit funds according to the authorization request to a merchant account associated with the transaction terminal. | 10-10-2013 |
20130282461 | SYSTEMS AND METHODS TO USE TRANSACTION AUTHORIZATION COMMUNICATIONS TO PROCESS OFFERS - A system includes a transaction handler, a data warehouse storing data associating offers and consumer accounts, a transaction handler coupled with the data warehouse, and a transaction terminal configured to submit authorization requests to the transaction handler via an acquirer processor. After receiving account information identifying a consumer account for a payment transaction, the transaction terminal generates a first authorization request identifying the consumer account. The transaction handler identifies offer information relevant to the payment transaction and provides an authorization response containing the offer information, prior to communication with an issuer processor for the payment transaction. In response to the offer information provided in the authorization response, the transaction terminal modifies the first authorization request to generate a second authorization request, in response to which the transaction handler communicates with the issuer processor for the payment transaction. | 10-24-2013 |
20130282586 | SYSTEMS AND METHODS TO APPLY THE BENEFIT OF OFFERS VIA A TRANSACTION HANDLER - A system includes a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing an account holder, into separate transactions with the issuer processor and at least one sponsor processor that is configured to provide the benefit of offers to applicable transactions. A portal is configured to notify the account holder of the award/redemption of the benefit of an offer using a communication channel separate from the transaction terminal that initiates and approves the transaction between the account holder and the merchant. | 10-24-2013 |
20130312111 | EMBEDDING SUPPLEMENTAL CONSUMER DATA - Embodiments of the invention broadly described, introduce systems and methods for combining multiple field values into a normalized value, generating codes using the normalized value, and using the codes as activation codes. One embodiment of the invention discloses a computer-implemented method for generating a code. The method comprises receiving a plurality of field values associated with a set of fields, each of the fields being associated with a field radix, converting the field values into numeric field values, combining, by a processor, numeric field values, each associated with a field, each of the fields associated with a field radix, to generate a normalized value, and generating, by the processor, a code representative of the plurality of field values using the normalized value. | 11-21-2013 |
20130332255 | SYSTEMS AND METHODS TO PROCESS REFERRALS BETWEEN OFFER CAMPAIGNS - In one aspect, a computing apparatus is configured with a mechanism to automate and regulate referrals across multiple programs, such as offer campaigns, loyalty programs, coupon programs, etc. The specification of a first program is configured with the identification of referral opportunities that correspond to activities of users in the first program. A set of selection criteria can be used to select a subset of users engaging in the respective activities. The subset of users is provided with the offer from the second program. If a user accepts the offer, the data about the user in the first program is used to automate the enrollment of the user in the second program. The second program may be configured with referral configuration parameters to match with the referral opportunities provided by other programs, if the second program is also hosted on the computing apparatus. | 12-12-2013 |
20130339250 | Gateway Abstraction Layer - Systems, gateway computers, and methods for using a gateway abstraction layer and application platform interfaces for conducting service transactions are disclosed. A gateway abstraction layer computers can receive service requests in multiple message formats or communication protocols, transform those service requests into other message formats to process the service using one or more networks or third-party service providers. The results of the service request can then be translated back to the message format in which the original service request was received. The gateway abstraction layer can be maintained using update messages received from service providers. | 12-19-2013 |
20140019287 | BIDDING TO RECEIVE DATA AFTER A CONSUMER IS IN A ZONE - An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement when there has been a satisfaction of an announcement condition, such as the consumer being determined to be located within a predetermined spatial zone. The content of the announcement may, in turn, facilitate a subsequent cashless transaction for resources of merchants. Implementations describe various permutations of the content of the announcement, the announcement condition, and the announcement recipient. | 01-16-2014 |
20140025762 | SCHEMA-BASED DYNAMIC PARSE/BUILD ENGINE FOR PARSING MULTI-FORMAT MESSAGES - A parse/build engine that can handle multi-format financial messages. The engine converts the different format messages into a common format, and the common format message is then processed by the business service application. A parser examines the message and determines an appropriate schema for the particular format of message received. The schema is a data structure in a schema registry that includes a grammar structure for the received format as well as pointers to handlers for converting the different fields of the message into the internal message format using the grammar structure (the “grammar” can include field sequence, field type, length, character encoding, optional and required fields, etc.). The handlers are individually compiled. As formats change, new formats or changes to old formats can be dynamically added to the parse/build engine by loading new schema and handlers. | 01-23-2014 |
20140040051 | SYSTEMS AND METHODS TO ENHANCE SECURITY IN TRANSACTIONS - A system includes a digital camera coupled with or integrated within a transaction terminal to capture an image during authorization of a transaction initiated at the transaction terminal. The system further includes a portal configured to receive the image and transmit the image to a communication reference associated with the account information of an account in which the transaction is made, based on a security preference associated with the account information. The image may be optionally analyzed to detect fraudulent use of the account. | 02-06-2014 |
20140040135 | SYSTEMS AND METHODS TO DIGITALLY SIGN TRANSACTIONS - A computing apparatus is configured to collect data about the account presentation device used to initiate a transaction on a transaction terminal, data about the user using the account presentation device at the transaction terminal, and/or data about the details of the transaction. The computing apparatus combine the collected data to generate a code as a substitute of the signature of the user. | 02-06-2014 |
20140040137 | SECURE CHECKOUT AND CHALLENGE SYSTEMS AND METHODS - A method for correlating information received directly from an access device operated by a user, and information from a merchant server is disclosed. The method includes receiving, at a server of a merchant entity from an access device used by a consumer, a checkout request to initiate a transaction, providing, from the merchant server to a server of a non-merchant entity, transaction information associated with said transaction, wherein the transaction information comprises a merchant ID, and receiving, at the merchant server from the non-merchant server, a response message regarding the transaction, wherein the response message is based on a correlation between the transaction information and device information specifically associated with the access device and provided directly from the access device to the non-merchant server, and is based on additional processing associated with the transaction information and the device information, performed by the non-merchant server. | 02-06-2014 |
20140067684 | SYSTEMS AND METHODS FOR SECURE AND TRANSPARENT CARDLESS TRANSACTIONS - Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Payment information can be sent directly from a consumer to a non-merchant, thereby allowing no new entities to obtain the payment information. Transaction identifiers can be used to facilitate communications among the entities. The payment information can be sent to the non-merchant via a merchant application with a submit payment button directed to the non-merchant so little or no deviations from standard practices are required. | 03-06-2014 |
20140074600 | COUPON OFFERS FROM MULTIPLE ENTITIES - Offers from multiple entities provide an incentive for consumers to behave in a manner that is beneficial to the offer provider. Each offer is associated with rules that establish conditions that must be met for the offer to be valid. For example, a rule may be established to promote the use a specific form of payment, such as a particular credit card. Thus, the offer would only be valid if the consumer paid for the merchandise using the particular credit card. A merchant may generate its own offers or receive offers from a variety of sources (e.g., a payment processing organization, an issuer, or other external sources). | 03-13-2014 |
20140129451 | P2P Transfer Using Prepaid Card - A method and system for making a payment is disclosed. In the method, a Payor can specify an account from which to withdraw funds for the payment and specify an activation code necessary to activate the payment. The payment can be sent to a Payee in the form of a pre-paid transaction account. The account will not be activated unless the Payee provides the activation code. Funds can be withdrawn from the account specified by the Payor either in full at the time the payment is made or are withdrawn as the Payee uses the transaction account to access the funds. | 05-08-2014 |
20140136104 | SYSTEMS AND METHODS FOR ROUTE PREDICTION - Predicting the future location of a user based on predicting the route that the user might take is disclosed. The routes used by the user in the past are indexed to generate a dictionary of routes which can be further augmented with contextual data. The prior routes are encoded within the dictionary such that each term representing a respective one of the prior routes comprises a collection of unique identifiers wherein each of the unique identifiers represents a segment of the respective one of the prior routes. Techniques of text prediction, term frequency for dictionary scores and other language processing techniques are used to predict the further route of the user. | 05-15-2014 |
20140143137 | DEVICE PAIRING VIA TRUSTED INTERMEDIARY - Embodiments are directed at systems, apparatuses, and methods for indirect device pairing through a trusted intermediary. One embodiment is directed to a method including receiving a pairing identifier associated with an untrusted device controller. The method further comprises extracting the pairing identifier from the pairing request, searching a pairing identifier database for a matching pairing identifier, determining an untrusted device controller associated with the matching pairing identifier, and sending the pairing request to the untrusted device controller. The untrusted device controller may identify the untrusted device, associate the pairing identifier with the trusted intermediary, and lock the pairing identifier. The method further comprises receiving a pairing response indicating that the untrusted device is paired with the computer. Accordingly, the trusted device is indirectly paired to the untrusted device and the trusted device is configured to complete a transaction with the untrusted device without communicating transaction information to the untrusted device. | 05-22-2014 |
20140172534 | SYSTEMS AND METHODS TO FACILITATE PROGRAMMING OF AN OFFER CAMPAIGN - A computing apparatus configured to represent offer rules based on requirements for the detection of predefined types of events and actions scheduled to be performed in response to the detection of each occurrence of the events. At least some of the events can include the actions of providing punches on virtual punch cards in the offer programs in which a user is enrolled. One of the event types is configured to be matched/triggered in response to recording punches in the virtual punch cards. | 06-19-2014 |
20140172576 | SYSTEMS AND METHODS TO SELECT LOCATIONS OF INTEREST - Identifying locations that are proximate to a particular route is disclosed. A route employed by a user for travelling to a destination is obtained and segmented at identified vertices. Locations that are proximate to the route segments are determined. The proximate locations are further analyzed to obtain their specific distances from the user's route. Location based services are associated with those proximate locations that are closest to the user's route. The user does not have to deviate far from their current route to visit the associated locations and may be motivated to capitalize on the location based services. | 06-19-2014 |
20140188586 | TOKENIZATION AND THIRD-PARTY INTERACTION - Processing of a transaction involving one or more third-parties and offers is described. Certain embodiments allow for suspending a received authorization request message which includes a transaction amount and a token mapped to a primary account number. One or more third-parties may be queried for an offer or discount eligible towards the transaction. The authorization request message may be adjusted to reflect one or more eligible offers from the one or more third-parties. The authorization request message may also be adjusted to replace the token with the mapped PAN. The authorization request message may then be sent to an issuer for further processing. | 07-03-2014 |
20140195434 | SYSTEM AND METHOD FOR PROVIDING ADVICE TO CONSUMER REGARDING A PAYMENT TRANSACTION - Systems, apparatuses, and methods for providing a consumer with an alert or other information regarding a payment transaction. When a consumer conducts a payment transaction, an alert may be sent to a device to enable the consumer to view the alert. The contents of the alert, the triggers for sending the alert, or the delivery channel for the alert may be determined by a set of preferences that the consumer set when registering for the alert service. In response to the alert, the consumer may send an SMS or other message that requests “help”, “advice”, “need information”, etc. In some embodiments, the consumer may select or activate a user interface element that enables them to obtain advice or information regarding the transaction. In some embodiments, a consumer request for help, advice, or more information may be generated by the consumer during or after a payment transaction. In response to the request for help, advice, or information, the invention may provide the consumer with a menu or list of topics of information that is available regarding the transaction. | 07-10-2014 |
20140213300 | SYSTEMS AND METHODS TO SELECT LOCATIONS OF INTEREST BASED ON DISTANCE FROM ROUTE POINTS OR ROUTE PATHS - Selection of offers, locations or merchants based on their distances from a portion of a user's route and their affinity for the user is disclosed. A route employed by a user for travelling to a destination is obtained and segmented at identified vertices. Locations that are proximate to the route segments are determined. The proximate locations are further analyzed to obtain their specific distances from a selected portion such as the user's origin or destination or any route segment. Location based services are associated with those proximate locations that are closest to the selected portion on the user's route or those with the better utility. | 07-31-2014 |
20140222533 | SYSTEMS AND METHODS TO USE TRANSACTION AUTHORIZATION COMMUNICATIONS TO PROCESS INDIVIDUALIZED OFFERS - An individualized price offer is associated with the account information of a user in a data warehouse coupled with a transaction handler of a payment processing network. If the individualized price offer is applicable for a pre-authorization of a purchase, information about the price offer is communicated to a transaction terminal via an authorization response for the pre-authorization. The transaction terminal is configured to adjust the published price in accordance with the information about the price offer such that the user is presented with an individualized price at the transaction terminal before the user starts receiving the product or service. After the purchase, the transaction terminal computes the transaction amount according to the individualized price and request clearing and settlement of the transaction according to the transaction amount computed according to the individualized price. | 08-07-2014 |
20140236828 | SYSTEMS AND METHODS FOR SECURE AND TRANSPARENT CARDLESS TRANSACTIONS - Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Payment information can be sent directly from a consumer to a non-merchant, thereby allowing no new entities to obtain the payment information. Transaction identifiers can be used to facilitate communications among the entities. The payment information can be sent to the non-merchant via a merchant application with a submit payment button directed to the non-merchant so little or no deviations from standard practices are required. | 08-21-2014 |
20140249958 | SYSTEM AND METHOD FOR CUSTOM SERVICE MARKETS - Methods and systems for providing custom services are disclosed. A developer interface provides standards, such as an application platform interface, for developers to use to make and test applications and services. A user interface can access downloadable or hosted services or applications to multiple users, such as, merchants, banks and networks. The system can then provide custom individual or packages of services to users based on the services requested by the user and charge the user for them on a subscription or per-use basis. | 09-04-2014 |
20140325606 | SERVICE ACTIVATION USING ALGORITHMICALLY DEFINED KEY - Systems and methods for service activation using algorithmically defined keys are disclosed. A consumer who has a relationship with a first party may wish to enroll in a service provided by a third party. The first party can maintain control of such enrollments through the use of algorithmically defined keys. The algorithmically defined keys also allow the third party service provider to verify data provided by the consumer as matching data stored by the first party. The verification provides for data synchronization without requiring the third party to have access to the first parties data systems. | 10-30-2014 |
20140330675 | ALIAS IDENTITY AND REPUTATION VALIDATION ENGINE - Methods and system for determining reputation information are provided. The method includes analyzing transactional and non-transactional information for an alias associated with an entity and determining reputation information for that alias. The reputation information is transferrable across multiple domains. A user can request the reputation information about an entity prior to doing business with that entity. The reputation information is generated for merchants as well as users. The system can generate transaction risk score for every transaction to be conducted between two or more aliases. The system includes an alias identity and reputation validation server computer that receives inputs from various external systems and generated reputation information based on the inputs. Additionally, every individual user/merchant can manage his profile within the reputation database and enter some information manually. | 11-06-2014 |
20140344142 | Gateway Service Platform - A gateway service platform is disclosed that provides access to a payment processing system via an open network such as the internet. The gateway service platform also provides access to service systems that provide a variety of services and applications offered by or affiliated with the payment processing system. The gateway service platform allows the payment processing system to reach users and to facilitate transactions on a wide variety of devices that may not otherwise be able to connect to payment processing system. Other devices, such as payment terminal devices, can also interact with a payment processing system through the gateway service platform using the same network and protocol. Embodiments of the invention allow devices on these open networks to connect with the payment processing system without having to change the existing infrastructure of the payment processing system. | 11-20-2014 |
20140359298 | SYSTEMS AND METHODS TO SECURE USER IDENTIFICATION - A computing apparatus configured to verify a digital signature applied on a set of data received from a user device, including a user ID assigned by a partner system to uniquely identify a user of the user device among customers of the partner system, and a user device identifier identifying the user device. The digital signature is generated via applying a cryptographic one-way hash function on a combination of the set of data and a secret, shared between the computing apparatus and the partner system via a secure communication channel separate from a channel used to receive the set of data. | 12-04-2014 |
20140372315 | METHOD AND SYSTEM FOR MANAGING DATA AND ENABLING PAYMENT TRANSACTIONS BETWEEN MULTIPLE ENTITIES - A system for conducting payment transaction includes a network-enabled server that communicates with one or more user devices, other network-enabled server computers, and a payment processing network server computer. The network-enabled server facilitates transactions between one or more merchants and users by a managing data flow and interactions between the merchants and the users, providing storage area for storing of all transaction related documents, and providing seamless integration with a payment processing network for payment processing. | 12-18-2014 |
20150019435 | SYSTEMS AND METHODS TO GENERATE A RECEIPT FOR A TRANSACTION - A system includes a transaction terminal that is configured to examine an authorization response for an indicator, which, when set, causes the transaction terminal to communicate with a portal to obtain content relevant to the receipt for the transaction approved by the authorization response. The content may identify the benefit of an offer applied to the transaction, which is not reflected in the authorization response. The content may direct the user to select an option regarding the delivery of the receipt. Options presented for selection include suppression of the printing of the paper receipt in favor of an electronic receipt transmitted to a communication reference of the user, printing a mini paper receipt in addition to transmitting an electronic receipt, and/or printing the full paper receipt at the transaction terminal. | 01-15-2015 |
20150025946 | ON-LINE AUTHORIZATION IN ACCESS ENVIRONMENT - A method is disclosed. The method includes interacting with a gate access device that is capable of preventing access to a location, where the gate access device subsequently sends an authorization request message to an issuer for approval, the authorization request message including a request to charge a predetermined amount of money to pay for access to a location, and entering the location if the gate access device receives an authorization response message indicating that the charge is authorized. | 01-22-2015 |