Patent application number | Description | Published |
20080319869 | 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. | 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 |
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 |
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 |
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 |
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 |
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 |
20120094639 | HEAT MAPS APPLYING LOCATION-BASED INFORMATION TO TRANSACTION PROCESSING DATA - Embodiments of the present invention relate to determining the location of an enrolled account holder using a mobile device, such as a mobile phone, that is associated with the cardholder's transaction account in a location-based system (LBS). The mobile device is used to determine the approximate location of the account holder at the time of the transaction, for example, by using cellular tower triangulation. Location data, such as geographic coordinates, may be combined with transaction data. The combination of transaction data and location data can be used to generate heat maps showing transaction, spending, and fraud patterns, among other data. | 04-19-2012 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
20150288799 | 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. | 10-08-2015 |
Patent application number | Description | Published |
20090288104 | EXTENSIBILITY FRAMEWORK OF A NETWORK ELEMENT - Techniques for providing extensibility framework for processing network packets are described herein. In one embodiment, in response to a packet received at a network element, the packet is processed using a generic process for performing a first type of operations required by the packet, wherein the first type of operations is common to a type of the packet. An extended process is invoked, via an extensibility application programming interface (API), to perform a custom operation that is not common to the generic process and is not statically known to the generic process, in order to determine whether the packet is eligible to access a resource of at least one of a plurality of application servers of a datacenter, including a layer-7 access control process. The network element operates as an application service gateway for the datacenter. Other methods and apparatuses are also described. | 11-19-2009 |
20140334488 | Data Plane Learning of Bi-Directional Service Chains - Techniques are provided to decouple service chain structure from the underlying network forwarding state and allow for data plane learning of service chain forwarding requirements and any association between services function state requirements and the forward and reverse forwarding paths for a service chain. In a network comprising a plurality of network nodes each configured to apply a service function to traffic that passes through the respective network node, a packet is received at a network node. When the network node determines that the service function it applies is stateful, it updates context information in a network service header of the packet to indicate that the service function applied at the network node is stateful and that traffic for a reverse path matching the classification criteria is to be returned to the network node. | 11-13-2014 |
20140362682 | Determining the Operations Performed Along a Service Path/Service Chain - Presented herein are techniques performed in a network comprising a plurality of network nodes each configured to apply one or more service functions to traffic that passes the respective network nodes in a service path. At a network node, an indication is received of a failure or degradation of one or more service functions or applications applied to traffic at the network node. Data descriptive of the failure or degradation is generated. A previous service hop network node at which a service function or application was applied to traffic in the service path is determined. The data descriptive of the failure or degradation is communicated to the previous service hop network node. | 12-11-2014 |
20140362857 | Stacking Metadata Contexts for Service Chains - Presented herein are techniques useful in a network comprising a plurality of network nodes each configured to apply one or more service functions to traffic that passes through the respective network nodes. A network node receives packets encapsulated in a service header that includes information defining a variable set of context headers stacked into an association of metadata that is relevant to one or more service functions within a service path comprised of one or more network nodes. The network node interprets a forwarding state and a next-hop network node for the service path from the service header, and determines a service action or associated metadata from the set of context headers. | 12-11-2014 |
20150026362 | Dynamic Service Path Creation - Presented herein are techniques for dynamic creation of a unique service path for a service chain. In one example, a service controller and a plurality of service nodes are provided, each service node configured to apply a service function to traffic that passes through the respective service node. The service controller defines a service chain identifying a set of service functions and an order in which they are applied. The service controller receives an indication that the service chain has been instantiated at a classifier, and creates a unique service path for the service chain, wherein the unique service path includes the service chain and the classifier at which the service chain is instantiated. | 01-22-2015 |
20150103827 | Configurable Service Proxy Mapping - Presented herein are techniques in which a service proxy in a service node is configured to receive a packet encapsulated in a service header that includes a variable set of context headers. The service proxy is configured to use the context headers in the service header to map data in the packet to a local identifier that is associated with one of a plurality of service-functions hosted by the service node. The service proxy is further configured to forward the data in the packet to the service-function associated with the local identifier. | 04-16-2015 |
20150215172 | Service-Function Chaining - Presented herein are service-function chaining techniques. In one example, a service controller in a network comprising a plurality of service nodes receives one is configured to identify one or more service-functions hosted by each of the service nodes. The service controller defines a service-function chain in terms of service-functions to be applied to traffic in the network and provides information descriptive of the service-function chain to a classifier node. | 07-30-2015 |
20150222640 | Elastic Service Chains - Presented herein are elastic service chain techniques. In one example, a network element receives data traffic to be processed by a service chain that specifies an ordered sequence of service pools including a first service pool and second service pool, wherein each service pool comprises a plurality of network services. A network service is determined from the first service pool to be applied to the data traffic, and data traffic is forwarded to the network service in the first service pool. | 08-06-2015 |
20150281173 | DYNAMIC SERVICE CHAIN WITH NETWORK ADDRESS TRANSLATION DETECTION - In one embodiment, a method includes receiving a packet associated with a flow at a network device, classifying the packet at the network device based on information received from a policy layer, inserting a Network Address Translation (NAT) indicator for the flow into the packet, and transmitting the packet in a service chain comprising network address translation. The NAT indicator is associated with the flows before and after network address translation to provide symmetry between the service chain and a return traffic service chain. An apparatus and logic are also disclosed herein. | 10-01-2015 |
20160006651 | Stacking Metadata Contexts for Service Chains - Presented herein are techniques useful in a network comprising a plurality of network nodes each configured to apply one or more service functions to traffic that passes through the respective network nodes. A network node receives packets encapsulated in a service header that includes information defining a first set of context headers stacked into an association of metadata that is relevant to one or more service functions within a service path comprised of one or more network nodes. The network node performs at least one of the service functions in the service path and rewrites the service header with a second set of context headers. The second set of context headers include metadata derived from performing the service function(s) at the network node. | 01-07-2016 |
20160099867 | DATA PLANE LEARNING OF BI-DIRECTIONAL SERVICE CHAINS - Techniques are provided to decouple service chain structure from the underlying network forwarding state and allow for data plane learning of service chain forwarding requirements and any association between services function state requirements and the forward and reverse forwarding paths for a service chain. In a network comprising a plurality of network nodes each configured to apply a service function to traffic that passes through the respective network node, a packet is received at a network node. When the network node determines that the service function it applies is stateful, it updates context information in a network service header of the packet to indicate that the service function applied at the network node is stateful and that traffic for a reverse path matching the classification criteria is to be returned to the network node. | 04-07-2016 |
Patent application number | Description | Published |
20110059904 | SERUM-BASED, DIAGNOSTIC, BIOLOGICAL ASSAY TO PREDICT PREGNANCY DISORDERS - The invention provides serum-based, diagnostic, biological assays for predicting disorders of pregnancy resulting from poor trophoblast and/or placental ischemia, including preeclampsia. Serum samples from such subjects exhibit an ability to disrupt the architecture involving fetal trophoblasts and maternal endothelial cells in a three-dimensional, dual cell co-culture system provided herein, in contrast to normal pregnancy serum samples. Based on these distinctions, the assays are employed to predict pregnancy outcomes as early as first trimester. | 03-10-2011 |
20120101021 | COMPOSITIONS, FORMULATIONS AND METHODS OF TREATING PREECLAMPSIA-TYPE DISORDERS OF PREGNANCY - This invention discloses a method of and composition for treating a PE-type disorder in a subject in need of such treatment comprising administering to the subject a pharmaceutical composition containing a therapeutically effective amount of a TTR polypeptide in admixture with a pharmaceutically acceptable vehicle. | 04-26-2012 |
20150238567 | COMPOSITIONS, FORMULATIONS AND METHODS OF TREATING PREECLAMPSIA-TYPE DISORDERS OF PREGNANCY - This invention discloses a method of and composition for treating a PE-type disorder in a subject in need of such treatment comprising administering to the subject a pharmaceutical composition containing a therapeutically effective amount of a TTR polypeptide in admixture with a pharmaceutically acceptable vehicle. | 08-27-2015 |
20150293129 | DETECTION AND TREATMENT OF PREGNANCY COMPLICATIONS - Disclosed herein is a method of of identifying and/or addressing incipient preeclampsia in a patient-subject by the steps of by the steps of (a) performing a bioassay to determine the level of at least one sialyl Lewis antigen in a said patient- subject at about 25 weeks of pregnancy or earlier; (b) performing a bioassay to determine the level of at least one sialyl Lewis antigen in a pregnant non-preeclampsia one or more subjects at about 30 weeks of pregnancy or later, wherein said at least one sialyl Lewis antigen assay is for a sialyl Lewis antigen assayed in step (a) is and if more than one subject is assayed, averaging said results; and (c) managing said patient-subject for preeclampsia, if said level of at least one sialyl Lewis antigen of step (a) is at or greater than about 20% above the level of such silalyl Lewis antigen assayed in step (b). | 10-15-2015 |
20160033484 | SERUM-BASED, DIAGNOSTIC, BIOLOGICAL ASSAY TO PREDICT PREGNANCY DISORDERS - The invention provides serum-based, diagnostic, biological assays for predicting disorders of pregnancy resulting from poor trophoblast and/or placental ischemia, including preeclampsia. Serum samples from such subjects exhibit an ability to disrupt the architecture involving fetal trophoblasts and maternal endothelial cells in a three-dimensional, dual cell co-culture system provided herein, in contrast to normal pregnancy serum samples. Based on these distinctions, the assays are employed to predict pregnancy outcomes as early as first trimester. | 02-04-2016 |
Patent application number | Description | Published |
20100126276 | METHOD FOR DETECTING DEVIATION IN CRYSTALLOGRAPHIC ORIENTATION IN A METAL STRUCTURE - A method of detecting a deviation angle in a single-crystal metal structure is disclosed. The single-crystal metal structure has a crystallographic orientation, a length, a first side, a second side, and a first axis extending through the structure. The method comprises determining the length of the single-crystal metal structure along the first axis, transmitting a signal through the single-crystal metal structure from the first side, the signal oriented to propagate along the first axis, receiving the signal, determining a time-of-flight for the signal to traverse the length from the first side to the second side, determining a speed of the signal based on the time-of-flight and the length, and comparing the speed of the signal to a reference speed to detect the deviation angle. | 05-27-2010 |
20120061363 | WELDING SYSTEMS AND METHODS - A welding system is provided for welding a first work piece to a second work piece at a joint having a weld face and a root face. The welding system includes a weld face sensor configured to determine first joint characteristics at the weld face; a root face sensor configured to determine second joint characteristics at the root face; a controller coupled to the weld face sensor and the root face sensor and configured to generate positioning signals based on the first joint characteristics and the second joint characteristics; and a welding gun coupled to the controller and positioned proximate to the weld face, the welding gun configured to generate a welding beam for welding the joint based on the positioning signals from the controller. | 03-15-2012 |
20120328079 | METHODS AND SYSTEMS FOR INSPECTING STRUCTURES FOR CRYSTALLOGRAPHIC IMPERFECTIONS - Embodiments of methods and systems for inspecting a structure for a crystallographic imperfection are provided. In the method, an X-ray wavelength that is particularly susceptible to diffraction by the crystallographic imperfection is identified. Then an X-ray source is provided to emit X-rays in the identified X-ray wavelength. While placing the structure at a sequence of positions relative to the X-ray source, X-rays are directed at the structure in multiple, non-parallel arrays to create sequential patterns of diffracted X-rays. The patterns of diffracted X-rays are digitally captured and communicated to a computer that compares them to locate the crystallographic imperfection. For a surface imperfection, the imperfection may be marked with a target to allow for physical removal. | 12-27-2012 |
20120330569 | THERMAL ACOUSTIC IMAGING METHODS, SYSTEMS, AND APPARATUS FOR DETECTING DEFECTS IN AN OBJECT - In accordance with the disclosed embodiments, Thermal Acoustic Imaging (TAI) methods, systems and apparatus are provided for detecting defects in an object being inspected. | 12-27-2012 |
20140060188 | NON-DESTRUCTIVE EVALUATION METHODS FOR AEROSPACE COMPONENTS - The disclosed embodiments generally relate to non-destructive evaluation methods. In an embodiment, a method for non-destructive evaluation of a aerospace component includes positioning a first plurality of sensors in the region of interest, positioning a second plurality of sensors in the region of interest, inducing a vibration in the region of interest using the first plurality of sensors and receiving a resonance frequency spectra using the second plurality of sensors, and comparing the received resonance frequency spectra against a reference spectra to determine the presence of an anomaly in the region of interest. | 03-06-2014 |
20140102200 | METHODS FOR NON-DESTRUCTIVELY EVALUATING A JOINED COMPONENT - A method for non-destructively evaluating a joined component includes inducing vibrations in the joined component within a range of frequencies, acquiring a resonance spectra from the joined component resulting from the induced vibrations, and analyzing the resonance spectra using Acoustic Sensor Testing (AST). | 04-17-2014 |