655 results about "Transaction management" patented technology

A data processing system for implementing transaction management of auction-based trading for specialized items such as fixed income instruments. The data processing system provides a highly structured trading protocol implemented through a sequence of trading paradigms. The system employs a distributed computer processing network linking together a plurality of commonly configured program controlled workstations. The protocol and its program controlling logic enhances trading efficiency, rewards market Makers, and fairly distributes market opportunity to system users.

The present invention provides systems and methods for secure transaction management and electronic rights protection. The invention is a software permission control wrapper that is used to encrypt and encapsulate digital information for the purpose of enforcing discretionary access control rights to the data contained in the wrapper. The permission control wrapper enforces rules associated with users, and their rights to access the data. Those rights are based on deterministic security behavior of the permission wrapper based on embedded security policies and rules contained therein and that are based, in part, on the user type, network connectivity state, and the user environment in which the data is accessed.

A method and system for providing integrated credit derivative brokerage services, the method or system including or using a credit trading arrangement, a credit trade capture arrangement, a trade management service arrangement to process trade data for the credit trading arrangement and the credit trade capture arrangement, and a central repository arrangement to store market data and shared reference data.

The present invention relates to a cashless transaction processing system implementing a VEND ASSIST mode of operation to effectuate a cashless vending transaction. The VEND ASSIST mode allows a computing platform 802 to oversee, control, and authorize by way of a system 500 the vend selection and sale price of a user selected vend item prior to fulfilling the user's request.

The cashless transaction processing system includes a system 500 and a computing platform 802. The system 500 initiates a vending session when certain commands from an interconnected computing platform 802 are received or in response to presentation, by a user, of valid payment identification data. Computing platform 802 data communicates a VEND APPROVE or VEND DENY response to a system 500 initiated REQUEST VEND APPROVE data communication. A vend cycle is then initiated or preempted as appropriate.

A method and system for comprehensively managing real estate transactions through a network from inception of a sale or purchase through listing, purchasing, closing and post-closing activity. Participants or potential participants in a real estate transaction can access, generate, modify, distribute and sign real estate-related documents, information, and reports through a network while communicating with each other electronically. Participants or potential participants can also track the development of a real estate transaction and receive automatic notification of changes in the development. Access to the system's various features can also be restricted to certain transaction participants or potential participants.

A method is disclosed of authenticating a consumer and authorizing a transaction over a network. The method includes first requesting, by a user, performance of a transaction between said user and a merchant, the user and the merchant performing the transaction over a non-secure web page. The user then enters transaction request information into a non-secure general purpose computer, and then enters a PIN into a graphic interface of the non-secure web page on the non-secure general purpose computer. providing, by the non-secure general purpose computer, the transaction request information and a PIN data package, the PIN data package being a digital representation of an impression of the users selection of at least one graphic image representing their PIN to a secure transaction manager via an internet system. The transaction manager then combines at least one of dynamic and corollary data with the PIN data package and securely provides the combination to a hardware security module (HSM). The HSM then distills the PIN data package into a PIN and encrypting the PIN into a PIN Block. Thereafter; the remainder of the transaction is performed.

A device integrated with payment function and collection function, includes a smart memory card and an intelligent terminal. The intelligent terminal is adapted to generate a secure transaction management instruction, send the secure transaction management instruction to the smart memory card and notify an execution result of the secure transaction management instruction; to interact with a bank side system via a remote communication network; to interact with user via a user interface; to interact with another device in near field communication mode; to process transaction instruction, generate a secure transaction application instruction and send the secure transaction application instruction to the smart memory card; and to notify an execution result of the secure transaction application instruction. The smart memory card is adapted to execute the safe transaction management instruction and the safe transaction application instruction.

The present inventions provide an integrated, modular array of administrative and support services for electronic commerce and electronic rights and transaction management. These administrative and support services supply a secure foundation for conducting financial management, rights management, certificate authority, rules clearing, usage clearing, secure directory services, and other transaction related capabilities functioning over a vast electronic network such as the Internet and/or over organization internal Intranets. These administrative and support services can be adapted to the specific needs of electronic commerce value chains. Electronic commerce participants can use these administrative and support services to support their interests, and can shape and reuse these services in response to competitive business realities. A Distributed Commerce Utility having a secure, programmable, distributed architecture provides administrative and support services. The Distributed Commerce Utility makes optimally efficient use of commerce administration resources, and can scale in a practical fashion to accommodate the demands of electronic commerce growth. The Distributed Commerce Utility may comprise a number of Commerce Utility Systems. These Commerce Utility Systems provide a web of infrastructure support available to, and reusable by, the entire electronic community and/or many or all of its participants. Different support functions can be collected together in hierarchical and/or in networked relationships to suit various business models and/or other objectives. Modular support functions can combined in different arrays to form different Commerce Utility Systems for different design implementations and purposes. These Commerce Utility Systems can be distributed across a large number of electronic appliances with varying degrees of distribution.

The invention provides methods and systems that facilitate and expedite electronic transactions between a computer readable medium user (“Payor”), and a merchant or payee (“Payee”), including payment through the Internet. The invention allows the Payor to make a payment to a Payee of an exact desired amount using a drag and drop graphical user interface control, dragging from a graphical element displayed on the Payor terminal and dropping into a Payee's visual display on a website. The invention reduces the complexity and the time of the payment transaction, improving the user overall experience. The invention can be implemented for online commerce, for mobile payments, for small amount online payments, for online donations, or for payments using prepaid accounts. The invention can be implemented by an accounts issuer institution or by a funds and transactions managing entity.

Disclosed are systems and methods which provide techniques providing account setup, management and transaction authorization determinations in real-time using transaction interrupt messaging. Embodiments preferably take into consideration the quality of one or more parties to the transaction and the means by which charges may be rendered to them when making account setup, management, and/or transaction authorization determinations. Accordingly, transactions, such as collect calls, meeting at least some minimal risk threshold may be completed on a first call attempt, even where a pre-arranged billing agreement or other business relationship is not previously in place.

A multi-user, elastic, on-demand, distributed relational database management system. The database is fragmented into distributed objects called atoms. Any change to a copy of an atom at one location is replicated to all other locations containing a copy of that atom. Transactional managers operate to satisfy the properties of atomicity, consistency, isolation and durability.

An optimized service mediation framework may use customized tokens for reducing cost and latencies per transaction. In particular, a token service and an integration service may function together to generate customized tokens for use by network components within a transaction pathway. Each network component may access information with the token for a predetermined time period and/or for a predetermined number of service calls for service processing tasks related to mapping, security, governing, bridging, transforming, orchestrating, generating events, managing workloads, routing, validating, managing cache, encrypting, queuing and staging, commodity services, transaction management, and quality of service (QoS)/resiliency, among other things.

A redundant and hosted automated trading system and software for financial markets which allows price speculators to create fully automated or partially automated trading systems or engines using technical and fundamental data-driven triggers for market entry, exit, and trade management is provided. The automated trading system can reside locally on the user's computer or reside and is actuated in a remote, hosted, redundant computing environment. The system allows the trader to create fully or partially automated simple or complex conditions for market entry, market exit, and in-trade management which are then executed by the automated system on behalf of the trader. The system also enables users to automate their in-trade decisions through use of contextual exits which allow users to optimize each trade by mapping different strategies for each level. The system also enables users to create, manage, buy, sell, license, or provide automated trading processes, signals, or engines including selling automated signals or engines to other users for financial gain.

A computer implemented method and system is provided for managing delivery of mobile applications to a user's mobile device. A distribution server in communication with a transaction management server via a network is provided. The distribution server acquires identification information of the user's mobile device and one or more mobile applications. The distribution server determines the mobile device's network service information and characteristic information based on the identification information. The transaction management server initiates a mobile application delivery transaction based on the network service information and the characteristic information for generating a reference pointer for each of the mobile applications. The distribution server delivers the reference pointer to the mobile device based on the network service information and/or characteristic information. The reference pointer enables the user to perform actions associated with the mobile applications, which are tracked and analyzed for initiating marketing by a partner server via a marketing server.

Exemplary near field communication (“NFC”) transaction management and application systems and methods are disclosed herein. An exemplary method includes a computing system tracking NFC transactions associated with a profile and providing a service based on the tracked NFC transactions associated with the profile. In certain examples, the tracking includes aggregating the NFC transactions associated with the profile over time. In certain examples, the profile comprises a customer premises profile specifying one or more customer premises equipment (“CPE”) devices for which to track the NFC transactions. Corresponding methods and systems are also disclosed.

A system and method for enabling coordinated, collaborative, data-driven document negotiation among multiple, divergent parties, either internally or externally, in a virtual environment. A comprehensive, singular, transaction management platform that transforms documents from a manual, text-based and paper-laden business and legal process into a data-driven experience via a negotiable transaction environment. The system streamlines and automates coordination of the life cycle of a binding document from deal origination to collaborative negotiation to executed agreement to archival to system-generated analytics. A term-based engine replaces the manual business and legal processes, and streamlines management of communication, approvals, signatures, commenting, recordkeeping and documentation. It provides a collaborative process for authoring text-based terms, as an alternative to an iterative, sequential drafting process; and an online, real-time searchable history of all changes for later discovery and/or compliance. As the system gathers data from transaction activity and final agreement, it dynamically builds workflow deliverables as well as analyzes resultant data and creates actionable business intelligence.

A computer implemented method and system for managing electronic currency of a consumer is provided. A mobile wallet application on a consumer device of the consumer and a transaction management server, in communication with the mobile wallet application via a network, are provided. The mobile wallet application receives and stores incentives obtained by the consumer for engaging in one or more commercial activities. The mobile wallet application converts the incentives to electronic currency and stores the electronic currency in the mobile wallet application. The mobile wallet application, in communication with the transaction management server via the network generates one or more electronic monetary objects using the electronic currency. The generated electronic monetary objects are, for example, cash, airtime credit, etc. The mobile wallet application, in communication with the transaction management server via the network, conducts one or more transactions using the electronic currency or the generated electronic monetary objects.

A point-of-sale system comprises a webserver that receives lists of products and services offered at retail points of sale, and that can sort them into items that are qualified, conditionally qualified, and non-qualified to be purchased by a cardholder using a flexible spending account payment card. The qualified items are permissible to be purchased by all cardholders, but purchases of conditionally qualified items are only permissible when the cardholder has registered a particular qualifying characteristic. For example, a health condition for which a doctor has prescribed the retail item for purchase. The demographics of the cardholders are available for affinity programs, promotional offers, discounts, and rebates. Such are proffered at the point of sale during transaction authorization to be considered by the cardholder or to be automatically exercised. Purchases in excess of the funds then available in the cardholders' flexible spending accounts can be deducted from other registered accounts or payrolls.

Disclosed is a method, system, and program for transaction management. An indication is received that a transaction is beginning. An operation identifier for the transaction is generated. Actions are logged for the transaction identified by the operation identifier, wherein the actions include requests, corresponding reverse requests, and locks granted.

Also disclosed is a method, system, and program for locking management. A command is received that specifies an operation identifier. It is determined whether the command is associated with a transaction using the operation identifier. If it is determined that the command is associated with a transaction, operating at a transaction level of locking.

Further disclosed is a method, system, and program for lock management. Under control of a lock manager, (i) lock request queuing is performed, (ii) heartbeat functions are performed, and (iii) state information is maintained.

An information and communication system uses an web page like environment or “Personal Space” to integrate a plurality of communication and monitoring functions. Home or enterprise automation components are linked together via wired or unwired network links and accessed via the Personal Space. Communications services are accessed through a wide variety of devices and facilitated by the Personal Space. Databases are built and used to customize user services. User profiles and system use patterns are compared and analyzed to continuously improve system performance.