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1
US10169746B2
Publication/Patent Number: US10169746B2
Publication date: 2019-01-01
Application number: 14/704,598
Filing date: 2015-05-05
Abstract: Methods, systems, and computer readable media for integrating payments are disclosed. An exemplary method includes a payment integrator device including at least one processor for receiving instructions to connect to a plurality of privately hosted servers associated with a plurality of different third-party providers and receiving, from the plurality of privately hosted servers, billing information associated with a plurality of different accounts. The method further includes, at the payment integrator, prompting a user to select a payment type for use in paying a first bill associated with a first account of the plurality of different accounts and sending a first payment to the first account according to the first payment type. Methods, systems, and computer readable media for integrating payments are disclosed. An exemplary method includes a payment integrator device including at least one processor for receiving instructions to connect to a plurality of privately hosted servers associated with a ...more ...less
2
US10395248B1
Publication/Patent Number: US10395248B1
Publication date: 2019-08-27
Application number: 15/231,511
Filing date: 2016-08-08
Abstract: Techniques for conducting transactions with one-time passwords are described herein. These techniques may include receiving a request to conduct a transaction, as well as a one-time password and an identifier linked with a payment instrument. The identifier may or may not identify the linked payment instrument. In both instances, a transaction processing service may compare the received one-time password with a one-time password stored at or accessible by the transaction processing service. If the passwords match, the service may approve the transaction. Otherwise, the service may decline the transaction or implement one or more additional authorization procedures. Techniques for conducting transactions with one-time passwords are described herein. These techniques may include receiving a request to conduct a transaction, as well as a one-time password and an identifier linked with a payment instrument. The identifier may or may not ...more ...less
3
US10399230B2
Publication/Patent Number: US10399230B2
Publication date: 2019-09-03
Application number: 15/600,556
Filing date: 2017-05-19
Abstract: One variation of a method for automatically generating waypoints for imaging shelves within a store includes: dispatching a robotic system to autonomously generating a map of a floor space within the store; accessing an architectural metaspace defining target locations and addresses of the set of shelving structures within the store; distorting the architectural metaspace into alignment with the map to generate a normalized metaspace representing real locations and addresses of the set of shelving structures in the store; defining a set of waypoints distributed longitudinally along and offset laterally from a first shelving structure represented in the normalized metaspace based on a known position of an optical sensor in the robotic system; and dispatching the robotic system to record optical data while occupying the set of waypoints during an imaging routine. One variation of a method for automatically generating waypoints for imaging shelves within a store includes: dispatching a robotic system to autonomously generating a map of a floor space within the store; accessing an architectural metaspace defining target locations and ...more ...less
4
US10346840B2
Publication/Patent Number: US10346840B2
Publication date: 2019-07-09
Application number: 16/212,317
Filing date: 2018-12-06
Inventor: Bogaard, Erik T.  
Abstract: Exemplary embodiment of the present invention would provide systems, including Internet-based systems, and computer-implemented methods, for providing online Buyers and Sellers who physically transact an exchange of an item at a local meeting place, indicia of confirmation of the exchange on which to base a background online payment In particular, exemplary embodiments of the present invention would provide a way for Buyers and/or Sellers to input an identifier for online authentication to confirm that a physical exchange of an item sold had been transacted and that would accordingly provide an online system with a basis to charge the relevant Buyer's account for a sale amount and pay the Seller for the item sold. Exemplary embodiment of the present invention would provide systems, including Internet-based systems, and computer-implemented methods, for providing online Buyers and Sellers who physically transact an exchange of an item at a local meeting place, indicia of confirmation of ...more ...less
5
US10354234B2
Publication/Patent Number: US10354234B2
Publication date: 2019-07-16
Application number: 10/811,093
Filing date: 2004-03-26
Abstract: Described is a method and system for single point deposit of checks. First, a computer scans each of a plurality of checks to generate digitized images thereof, the plurality of checks including at least one of non-consumer checks and consumer checks. After scanning the checks, the computer generates a master file including a record for each check which includes the digitized image of the corresponding check and a data portion including data obtained from a MICR line of the corresponding check. Once the masterfile is created, it is sorted into first and second sub-files based on the digitized images and/or the data portions. The first sub-file includes only the non-consumer checks and the second sub-file includes the consumer checks. The records of the first sub-file are processed according to a non-consumer check procedure. The records of the second sub-file are processed according to a consumer check procedure or the non-consumer check procedure. Described is a method and system for single point deposit of checks. First, a computer scans each of a plurality of checks to generate digitized images thereof, the plurality of checks including at least one of non-consumer checks and consumer checks. After scanning the checks ...more ...less
6
US10354249B2
Publication/Patent Number: US10354249B2
Publication date: 2019-07-16
Application number: 15/000,581
Filing date: 2016-01-19
Abstract: This application discloses a method implemented at a server to facilitate secure offline transactions. The server receives, from a client device, an authorization request that includes a user identifier, first financial account information and a secure code. The server authenticates the authorization request, and sends a first transaction approval to the client device. Then, in accordance with the information received in the authorization request, the server facilitates a secure transaction between the client device and a point-of-sale (POS) machine while the client device is offline. Specifically, the server receives, from the POS machine, a transaction request that includes at least the user identifier and the security code. The server retrieves the first financial account information from a memory according to the user identifier and the security code, performs a transaction operation associated with the first financial account information, and sends a second transaction approval to the POS machine. This application discloses a method implemented at a server to facilitate secure offline transactions. The server receives, from a client device, an authorization request that includes a user identifier, first financial account information and a secure code. The server ...more ...less
7
US10318943B1
Publication/Patent Number: US10318943B1
Publication date: 2019-06-11
Application number: 13/291,039
Filing date: 2011-11-07
Abstract: A system for payment processing using a mobile device configured to generate a unique code associated with a transaction to pay a recipient. The system further comprises mobile wallet account processing logic configured to receive the unique code and payment receipt options from a recipient. The mobile wallet account processing logic is further configured to transmit funds using an ACH network to the recipient. A system for payment processing using a mobile device configured to generate a unique code associated with a transaction to pay a recipient. The system further comprises mobile wallet account processing logic configured to receive the unique code and payment receipt options from ...more ...less
8
US10387857B2
Publication/Patent Number: US10387857B2
Publication date: 2019-08-20
Application number: 14/194,132
Filing date: 2014-02-28
Abstract: A method of processing a commerce service in a commerce processor communicating with a customer premises equipment (CPE), the method including executing a first browser and outputting a coordinate corresponding to a bitmap associated with inputted payment data on a screen of the first browser, receiving coordinate values corresponding to payment data through the output coordinate, transmitting the received coordinate values based on a communication protocol to a second browser, unscrambling the transmitted coordinate values corresponding to the payment data and retrieving payment data from the unscrambled coordinate values, and performing a payment process for a product item corresponding to the retrieved payment data. A method of processing a commerce service in a commerce processor communicating with a customer premises equipment (CPE), the method including executing a first browser and outputting a coordinate corresponding to a bitmap associated with inputted payment data on a screen of the ...more ...less
9
US10402824B2
Publication/Patent Number: US10402824B2
Publication date: 2019-09-03
Application number: 13/752,409
Filing date: 2013-01-29
Abstract: A computerized method of verifying the identity of an attendant operating a money transfer transaction device includes receiving at the money transfer transaction device a user identification and password from the attendant and receiving at the money transfer transaction device additional information from the attendant. The additional information relates to a security feature that limits access to the transaction device. The method also includes using the additional information, the user identification, and the password to evaluate whether to allow the attendant to operate the transaction device to process a transaction. A computerized method of verifying the identity of an attendant operating a money transfer transaction device includes receiving at the money transfer transaction device a user identification and password from the attendant and receiving at the money transfer transaction device ...more ...less
10
US10204342B2
Publication/Patent Number: US10204342B2
Publication date: 2019-02-12
Application number: 14/847,149
Filing date: 2015-09-08
Assignee: eConnect Inc.
Abstract: Technologies and implementations for facilitating visual analysis of transactions utilizing analytics are generally disclosed.
11
US10311427B2
Publication/Patent Number: US10311427B2
Publication date: 2019-06-04
Application number: 11/618,135
Filing date: 2006-12-29
Abstract: A system (211) and method (300) for reliable monitoring of secure application execution events is provided. The system can include a Near Field Communication (NFC) modem (140) for communicating transaction events of a secure contactless transaction (358) with a NFC reader (170), a secure controller (200) for monitoring state transitions caused by the transaction events, and a mobile host communicatively coupled to the secure controller for receiving hardware event notifications of the state transitions. The secure controller can generate message using a hardware interrupt to a mobile host based on secure applet state transition monitoring by setting up the events flag such as a Transaction Completion Flag (TCF) (372) into an Events Status Register (232) to identify a status of a secure contactless transactions. A system (211) and method (300) for reliable monitoring of secure application execution events is provided. The system can include a Near Field Communication (NFC) modem (140) for communicating transaction events of a secure contactless transaction (358) with a NFC reader (170) ...more ...less
12
US10282726B2
Publication/Patent Number: US10282726B2
Publication date: 2019-05-07
Application number: 15/060,212
Filing date: 2016-03-03
Abstract: A process for combining domain restriction and remote authentication may include receiving a token from a plug-in application to conduct a transaction associated with a user of a communicating device. The process may include sending an authentication request to a remote access control sever to authenticate the user, and receiving, from the remote access control server, an authentication tracking value that the remote access control server used in generation of an authentication cryptogram. The process may also include generating, using the authentication tracking value, a domain restriction cryptogram that is used for domain restriction of the token, and sending, to the plug-in application, the domain restriction cryptogram. A process for combining domain restriction and remote authentication may include receiving a token from a plug-in application to conduct a transaction associated with a user of a communicating device. The process may include sending an authentication request to a remote access ...more ...less
13
US10275767B2
Publication/Patent Number: US10275767B2
Publication date: 2019-04-30
Application number: 14/919,265
Filing date: 2015-10-21