831results about How to "Convenient transaction" patented technology

A method of buying or selling items having at least one market and its associated processes are disclosed. The method includes the steps of, under control of a client system, displaying information identifying at least one item and a bid and / or ask price for the item in the market; and specifying transaction conditions based on a user directed position of a moveable icon, where the transaction conditions are related to the buying or selling of the identified item in the active market. Then, in response to an action of the user sending a user transaction request at the transaction conditions displayed at the time of said action, facilitating financial transactions for the user in accordance with the transaction conditions to complete the transaction. In this manner, the item may be bought or sold by the user at the transaction conditions specified. A user interface to facilitate this method is also disclosed. A quantity recommendation system to facilitate the quantity decision of a financial transaction is further disclosed.

A system for facilitating contactless payment transactions across different contactless payment systems using a common mobile device that acts as a stored value device is provided. A combination of a mobile application and a communication module allows the mobile device, which is associated with one payment system, to emulate various transmission standards and data exchange formats that are used in different payment systems in order to perform contactless payment transactions with merchants that are associated with different contactless payment systems. A service application running in a service operator computer communicates with the various contactless payment systems to facilitate the settlement of the amount owed to various payment systems by the one payment system associated with the mobile device.

Systems and methods for interoperable network token processing are provided. A network token system provides a platform that can be leveraged by external entities (e.g., third party wallets, e-commerce merchants, payment enablers / payment service providers, etc.) or internal payment processing network systems that have the need to use the tokens to facilitate payment transactions. A token registry vault can provide interfaces for various token requestors (e.g., mobile device, issuers, merchants, mobile wallet providers, etc.), merchants, acquirers, issuers, and payment processing network systems to request generation, use and management of tokens. The network token system further provides services such as card registration, token generation, token issuance, token authentication and activation, token exchange, and token life-cycle management.

Methods and systems for distributing a mobile device application for use in making and receiving payments utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A downloadable mobile device application, when installed on a compatible mobile device, is operative for communicating with a mobile financial transaction system (MFTS) that facilitates the making and receiving of payments via wireless mobile devices. The downloadable mobile device application is provided via a download system that downloads the application to mobile devices according to download procedures appropriate for a particular type of mobile device. When a payment is made to a payee having a mobile device, system communicates a message to the payee's mobile device that informs that a payment has been made and instructs the payee about the downloadable mobile device application. If the mobile device user / payee downloads and installs the mobile device application on his or her mobile device and provides enrollment information, interaction between the MFTS and the mobile device user / payee is permitted, and payment is provided to the mobile device user as user / payee.

A system and method for spending loyalty points over a computerized network to facilitate a loyalty point transaction is disclosed. The system enables a participant of a loyalty program to accept an advance of loyalty point when a loyalty account balance is insufficient to make a desired purchase. An amount of loyalty points available as an advance to a participant is determined based on a number of criteria related to the participant, financial account activity, and loyalty account activity. The participant is allotted a predetermined length of time to earn or purchase enough loyalty points to repay the balance of advanced loyalty points. If, at the conclusion of such predetermined length of time, sufficient points have not been earned to offset the loyalty point advance, the participant is charged the currency value of each outstanding loyalty point. The participant may be assessed interest charges and / or fees at the time of the loyalty point advance, during reimbursement, or at the end of a time period for reimbursement.

The interactive delivery of voice serve messages communicating financial, personal or other news telecasts can be accessed at a subscriber's convenience on an inbound telephone, network enabled or other call. A voice service bureau may generate voice messages for individual subscribers according to their natural language queries. For instance, a subscriber may inquire “What was the closing Dow today” and the system converts the request to digital form, discriminates search terms, interrogates a database and annunciates to the call “The closing Dow was 11,000 today”. Responses to those or other inquiries may be delivered in real time or substantially real time.

A system and process that provides an on-line, interactive, and fully integrated benefit-driven value exchange and settlement program that monitors, evaluates, and manages economic and personal benefits and executes functions to produce and acquire the maximum or preferred benefit items for users by guiding and automating appropriate payment and settlement actions. The present invention finds useful patterns in data; produces conclusions based on rules and experience; responds to environmental changes with or without human intervention; and, may evolve through selecting the best results from random mutations all of which are intended to maximise user value.

According the present invention, there is provided a method and system for facilitating an electronic commerce (e-commerce) transaction by a consumer, the method comprising: acquiring a purchase amount for an e-commerce transaction between a consumer and an Internet shopping portal; querying each of a plurality of consumer accounts for associated financial information; evaluating said associated financial information obtained for each of the plurality of consumer accounts; and facilitating a selection of one or more accounts based on the evaluation step to enable the consumer to complete the e-commerce transaction.

A system and method for spending loyalty points over a computerized network to facilitate a loyalty point transaction is disclosed. The system enables a participant of a loyalty program to accept an advance of loyalty point when a loyalty account balance is insufficient to make a desired purchase. An amount of loyalty points available as an advance to a participant is determined based on a number of criteria related to the participant, financial account activity, and loyalty account activity. The participant is allotted a predetermined length of time to earn or purchase enough loyalty points to repay the balance of advanced loyalty points. If, at the conclusion of such predetermined length of time, sufficient points have not been earned to offset the loyalty point advance, the participant is charged the currency value of each outstanding loyalty point. The participant may be assessed interest charges and / or fees at the time of the loyalty point advance, during reimbursement, or at the end of a time period for reimbursement.

This invention involves a virtual environment created through the combination of technologies. The invention employs the knowledge and experience of a Personal Assistant or Host, created through Artificial Intelligence applications, which assists and guides the user of the environment to products and / or services that they will most likely be interested in purchasing or requiring. The intelligent assistant's choices are based on its experiences with the specific user. The intelligent assistant communicates with the user by means of a speech recognition and speech synthesis device. This invention is an easy to use virtual reality environment that takes advantage of existing technologies and global communications networks such as the Internet without requiring any given degree of computer literacy. This invention includes a virtual intelligent assistant for each user which adapts to its user as it provides individualized guidance. The intelligent assistant or avatar projects human-like features and behaviors appropriate to the preferences of its user and appears as a virtual person to the user.

The present invention provides a system and method for facilitating a transaction using a secondary transaction number that is associated with a cardholder's primary account. The cardholder provides the secondary transaction number, often with limited-use conditions associated therewith, to a merchant to facilitate a more secure and confident transaction.

A system and method for creation and automatic deployment of personalized, dynamic and interactive voice services relating to subscriber corporate analysis related information, including information derived from on-line analytical processing (OLAP) systems. More specifically, the invention relates to a system and method that enable personalized delivery of corporate analysis-related information in real-time, via natural language voice communication with a voice-enabled terminal device.

Systems and methods for interoperable network token processing are provided. A network token system provides a platform that can be leveraged by external entities (e.g., third party wallets, e-commerce merchants, payment enablers / payment service providers, etc.) or internal payment processing network systems that have the need to use the tokens to facilitate payment transactions. A token registry vault can provide interfaces for various token requestors (e.g., mobile device, issuers, merchants, mobile wallet providers, etc.), merchants, acquirers, issuers, and payment processing network systems to request generation, use and management of tokens. The network token system further provides services such as card registration, token generation, token issuance, token authentication and activation, token exchange, and token life-cycle management.

A method and system for generating TML (an XML based language) and formatting reports is disclosed. The method and system of the present invention operate in conjunction with an interactive voice broadcasting system and are used to develop active voice pages—TML documents that are to used generate dynamic voice menus that drive the interaction between a user and an interactive voice broadcasting system.

Systems, methods and apparatus for facilitating transactions using a mobile device are provided by certain embodiments of the invention. Information associated with a proposed transaction may be received at a mobile device from a point of sale device. The mobile device may communicate a request to approve the proposed transaction to a transaction processor. The request may at least a portion of the received information and an identifier associated with the mobile device. The transaction processor may determine whether to approve the proposed transaction and communicate an approval or decline message to the point of sale device.

The present invention provides a system and method for facilitating a transaction using a secondary transaction number that is associated with a cardholder's primary account. The cardholder provides the secondary transaction number, often with limited-use conditions associated therewith, to a merchant to facilitate a more secure and confident transaction.

A set top box (“STB”) apparatus configurable for handling broadcast, cable television and Internet protocol television (“IPTV”) formats by multiple operators via a single flexible operating system is provided. The set top box is enabled to receive and run different operating systems from multiple providers or operators. In another aspect, a dual mode display feature enables viewing of digital content via a first display device while enabling browsing and e-commerce functionality via an associated remote device.

The present invention involves spending loyalty points over a computerized network to facilitate a transaction. With this system, a loyalty program participant is able to use an existing transaction card to purchase an item over a computerized network, while at the same time offsetting the cost of that transaction by converting loyalty points to a currency value credit and having the credit applied to the participant's financial transaction account. Currency credit from converted loyalty points may also be applied to stored value cards, online digital wallet accounts and the like. Further, currency credit may also be applied to other accounts to effect a gift or donation.

The present invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. Specifically, the device is configured to meet the physical and electrical specification for commercially available mobile devices utilizing a standard Subscriber Identity Module (SIM) for network access. The device combines the features of the SIM with Common Access Card or Personal Identity Verification card features to allow a network subscriber to invoke secure payment transactions over a carrier's network. The system includes data storage for maintaining a plurality of network and transaction instrument profiles and a profile gateway for receiving transaction information from a payment gateway, sending an authorization request to a user's mobile device, receiving a transaction authorization from the mobile device, and sending transaction information to a payment gateway to finalize the payment transaction.

This invention relates to a system and method for providing inbound and outbound voice services. The invention may be used in conjunction with a system for the creation and automatic deployment of personalized, dynamic and interactive voice services, including information derived from on-line analytical processing (OLAP) systems and other data repositories. More specifically, the invention enables personalized delivery of (outbound calling) and accessing of (inbound calling) information in real-time, via natural language voice communication with a voice-enabled terminal device.

An interactive system provides a video program signal and generates interactive content data to be associated with at least one object within a frame of the video program. The interactive content data is embedded with the object and the object is tracked through a sequence of frames and the interactive content data is embedded into each one of the frames. The program frames with the embedded data are multiplexed with video and audio signals and may be broadcast. A receiver identifies an object of interest and the embedded data associated with the object is retrieved. The embedded data may be used for e-commerce.

Systems, methods and apparatus for facilitating transactions using a mobile device are provided by certain embodiments of the invention. Information associated with a proposed transaction may be received at a mobile device from a point of sale device. The mobile device may communicate a request to approve the proposed transaction to a transaction processor. The request may at least a portion of the received information and an identifier associated with the mobile device. The transaction processor may determine whether to approve the proposed transaction and communicate an approval or decline message to the point of sale device.

The present invention relates to a multi-vendor Internet Commerce System for e-commerce applications. More particularly, the present invention relates to an improved architecture for enabling e-commerce in an efficient and consumer-friendly way for a plurality of vendors through the Internet. A multi-vendor Internet commerce system (MV-ICS) is provided which includes a centrally implemented multi-vendor central processing unit (MV-CPU) acting cooperatively with a centrally implemented multi-vendor shared datastore (MV-SD). Using a variety of vendor-site I / O modules and consumer-interface I / O modules, the resources with the MV-SD may be shared by the plurality of vendor websites. This serves to relieve the individual vendor websites from having to set up and maintain some or all of certain facilities (i.e., programs and capabilities, including merchant database, consumer database, shopping cart facility, checkout facility, and the like). Various logic associated with the MV-CPU ensures that the appropriate communication occurs between each vendor website and the MV-SD, as well as the consumer via a browser.

Systems and methods for monitoring token access transactions are provided. In one embodiment, the invention provides receiving transaction records for a plurality of bank card transactions, wherein the transaction records include transaction information and infrastructure information; determining whether a reportable event has occurred based on the transaction information with the transaction records; and providing an alert representing the reportable event.

A voice-enabled markup language system an N-best filter element that generates unverified possible matches to the utterance for verification to the user during an interactive voice dialog. Such an element is used when a large number of possible utterances may be made in response to an input request or similarly-sounding utterances are possible. The element in the markup language provides the structure used by a call server to dialog with the user.

The invention discloses a system for enhancing trust in transactions, most particularly in remote transactions between a plurality of transactional parties, for instance a seller and buyer(s) of goods and / or services over a public computer network such as the internet. Trust is disclosed to be a multivalent commodity, in that the trust that is to be enhanced relates to information about the subject matter of the transactions (e.g., the suitability of the goods and services sold), the bona fides of the supplier of the goods and services, the appropriateness of a pricing structure for a particular transaction or series of transactions, a quantum of additional transactional value that may be imparted to the transactional relationship, security of information exchange, etc. An important contributor to trust for such aspects of the transaction is disclosed to be the use of highly-secure steganographic computer processing means for data identification, authentication, and transmission, such that confidence in the transaction components is enhanced. By providing an integrated multivalent system for enhancing trust across a variety of categories (for a variety of transaction species, including those in which the need for trust is greater on the part of one party than of another, as well as those in which both require substantial trust enhancement), the invention reduces barriers to forming and optimizing transactional relationships.

The invention discloses a user public key address binding, searching and verifying method and system based on the crypto currency open account book technology. The user public key address binding, searching and verifying method is characterized by comprising the following steps that (1) verification public key addresses are published to users in a crypto currency network; (2) an account name registration request of one user is received, and the public key address of the user is received; (3) crypto currency is sent to the public key address of the crypto currency of the registered user through a private key address corresponding to the verification public key address and used as a verification transaction, and it is set that additional information or script content of the verification transaction contains the account number of the user, wherein the amount of the crypto currency is greater than or equal to zero; (4) query requests from other users in the crypto currency network are received, and the public key address of the registered user is fed back according to the query requests. The user public key address binding, searching and verifying method and system can substantially improve the availability, convenience, safety and reliability of crypto currency transactions, and protect the users against economic losses caused by the situation that the public key addresses are tampered with and used illegally.