3348 results about "Request to send" patented technology

A service configured to be accessible by two or more parties to a two-sided funds transfer transaction through a computer network (e.g., the Internet) provides functionality for sending a payment request to a target payer or payee who is not yet registered with the service. Depending upon who is initiating the transaction (i.e., a payer or a payee) the payment requests may be received as requests to send payments or requests to collect payments. In the latter case, the service may be further organized to solicit a payment, for example by transmitting an e-mail message to a second party to the funds transfer transaction. When used to collect payments, the service may be further organized to process one or more responses to the above-mentioned solicitations.

The present invention provides a load balancing device, computer program product, and method for balancing the load across a plurality of proxy devices arranged to perform malware scanning of files stored within a file storage device of a computer network. The computer network has a plurality of client devices arranged to issue access requests using a dedicated file access protocol to the file storage device in order to access files stored on the file storage device. The load balancing device is arranged so as to intercept access requests issued to the file storage device, and comprises a client interface for receiving an access request issued to the file storage device using the dedicated file access protocol. Further, the load balancing device comprises load balancing logic for applying a predetermined load balancing routine to determine to which proxy device to direct the received access request, and a proxy device interface for sending the access request to the proxy device determined by the load balancing logic, each proxy device being coupled to the file storage device. This enables a very efficient system to be developed for performing malware scanning of files stored within the file storage device, whilst enabling that system to be developed independently of the particular file storage device being used in the computer network, or the operating system being run on that file storage device.

An Email guarantee deposit method, system, and program product, with the method comprising in one embodiment, the steps of: receiving from a sender a request to send to a recipient an Email; receiving a deposit or an authorization to obtain a deposit of something of value; sending the Email to the recipient only if a deposit of authorization for a deposit is received; determining if the recipient has accepted the deposit; and if the recipient has accepted the deposit, then facilitating the disposal of the deposit. In an important alternate embodiment, a deposit can be required before an Email with a auditory or visual enhancement is provided, or before routing to a designated type of device occurs.

Providing a time-of-transaction currency conversion from a merchant's local currency to a cardholder's credit card currency uses a conversion rate developed by reference to the particular merchant, acquirer, card association and issuer. After a merchant has generated an authorization request in the merchant's currency for a transaction by a cardholder in a different currency, the transaction amount in the authorization is converted from the merchant's currency to the currency of the cardholder's issuing currency, and optionally modified to include additional fees. The converted authorization request is then transmitted to the appropriate card association and then to the issuing bank for authorization, with a response returned to the merchant. The cardholder sees and approves the transaction in the cardholder's currency, and in an amount identical to the amount for which he will be billed.