Patent application number | Description | Published |
20110282784 | SYSTEMS AND METHODS FOR REASSIGNMENT OF A VIRTUAL CARD - A method stored in memory executable by a processor for transferring ownership of a virtual value card in a virtual card management system is provided. The method includes, at a virtual card manager, receiving a request for reassignment of the virtual value card from a source virtual card engine to a target virtual card engine at a virtual card manager. The method further includes, at the virtual card manager, modifying card data in a manager-side associative card profile included in the virtual card manager and requesting modification of card data in a provider-side associative card profile to permit use of the virtual value card by the target virtual card engine and inhibit use of the virtual value card by the source virtual card engine in response to reception of the request for reassignment. | 11-17-2011 |
20110307377 | SYSTEMS AND METHODS TO MANAGE AND CONTROL USE OF A VIRTUAL CARD - Systems and methods are provided for creating and using versions of a shared virtual card. In one example, a system for sharing stored value is provided. The system may include a virtual card manager configured to manage one or more shared virtual cards and a first computing device including a virtual card engine executable by a processor to manage the shared virtual card. The first computing device may be communicatively coupled to the virtual card manager via a network. In the example, stored value of the shared virtual card may be split between a first version and a second version. The first version may receive a first portion of the stored value and the second version may receive a second portion of the stored value; the first version available for use on the first computing device and the second version available for use on a second computing device. | 12-15-2011 |
20120323787 | SYSTEMS AND METHODS FOR FIXED FORM CARD TO VIRTUAL CARD COMMUNICATION - System and methods for converting a fixed form card to a virtual card are disclosed herein. The system includes a virtual card manager and a user computing device communicatively coupled via a network. The virtual card manager may be configured to convert a fixed form card to a virtual card, and the user computing device may be configured to initiate a virtual card conversion request via a virtual card engine stored in mass storage and executable by a processor. As such, a stored value of the fixed form card may be transferred to the virtual card in a secure manner. | 12-20-2012 |
Patent application number | Description | Published |
20090055296 | SYSTEMS AND METHODS FOR ELECTRONIC DELIVERY OF STORED VALUE - Systems and methods for electronic delivery of stored value are provided. An example method includes receiving a set of identifiers corresponding to a merchant's stored value tracking system, receiving a request for an electronic value card, associating an identifier from the set of identifiers with the electronic value card, synchronizing the merchant's stored value tracking system with the issued electronic value card, and delivering the electronic value card to a customer. An example system includes a merchant stored value tracking system having a set of unique identifiers, a network communicatively linked with a merchant stored value tracking system; and a value card manager communicatively linked with the network. The value card manager may be configured to receive a request for an electronic value card, synchronize the electronic value card with the merchant stored value tracking system using the unique identifiers, and deliver the electronic value card to a customer for use in the merchant stored value tracking system. | 02-26-2009 |
20100063906 | SYSTEMS AND METHODS FOR AUTHENTICATION OF A VIRTUAL STORED VALUE CARD - A virtual card management system including one or more servers having memory executable via a processor is provided. The virtual card management system including a virtual card manager executable on the one or more servers having an integration connector engine configured to communicatively link at least one card service provider and the virtual card manager. The virtual card management system may further include a virtual card management platform configured to communicatively link the virtual card manager with at least one virtual card engine, each virtual card engine including one or more virtual cards, the virtual card management platform including an enablement module configured to selectively enable a virtual card transaction between at least one virtual card and a corresponding card service provider based on a set of predetermined authentication rules. | 03-11-2010 |
20100076833 | SYSTEMS AND METHODS FOR MANAGING AND USING A VIRTUAL CARD - A virtual card engine stored on memory executable via at least one processor for managing two or more virtual cards is provided. The virtual card engine including a value modification module configured to modify value data corresponding to at least a first virtual card based on user input, send a request to an associated card service provider to modify value data in a corresponding provider-side associative card profile, and present the first virtual card on a display of a mobile computing device to initiate a virtual card transaction between the virtual card engine and the card service provider. | 03-25-2010 |
20100082487 | SYSTEMS AND METHODS FOR MANAGING A VIRTUAL CARD BASED ON GEOGRAPHICAL INFORMATION - A method for using a virtual card is provided. In one example, the method includes identifying a geographic identifier for a mobile computing device and matching the geographic identifier with at least one virtual card associated with the mobile computing device. The method further includes triggering at least one virtual card feature based on a matched geographic identifier. In some examples, the at least one virtual card feature includes presenting the at least one virtual card with the matched geographic identifier. In other examples, the at least one virtual card feature includes a security feature including selectively enabling a virtual card transaction based on the at least one virtual card with the matched geographic identifier. | 04-01-2010 |
20110145044 | SYSTEMS AND METHODS FOR GENERATING A VIRTUAL VALUE ITEM FOR A PROMOTIONAL CAMPAIGN - Systems and methods for managing a promotional campaign are provided. In one embodiment, a promotional campaign engine communicates in real-time with a participant's mobile computing device, receives an electronic campaign entry from the mobile computing device, and based on a rule set, generates a virtual value item in an established stored value system based on the rule set. | 06-16-2011 |
20140249904 | Systems and Methods for Managing a Virtual Card Based on Geographical and Balance Information - The invention is directed to systems and methods for using a virtual gift card having an associated value, operable on a mobile device having a processor and memory, the mobile device linked to a virtual gift card manager, the method including: identifying a geographic identifier for the mobile device; matching the geographic identifier with at least one virtual gift card stored on the mobile device; determining an amount of value associated with the at least one virtual gift card; identifying any offers or promotions redeemable with the amount of value; displaying the at least one virtual gift card, the amount of value, and any offers or promotions on the mobile device; and selectively enabling a transaction utilizing the virtual gift card, the transaction based at least in part on the any offers or promotions, the transaction including a manipulation of value associated with the at least one virtual gift card. | 09-04-2014 |
Patent application number | Description | Published |
20100269692 | Clean corona gas ionization for static charge neutralization - Clean corona gas ionization by separating contaminant byproducts from corona generated ions includes establishing a non-ionized gas stream having a pressure and flowing in a downstream direction, establishing a plasma region of ions and contaminant byproducts in which the pressure is sufficiently lower than the pressure of the non-ionized gas stream to prevent at least a substantial portion of the byproducts from migrating into the non-ionized gas stream, and applying an electric field to the plasma region sufficient to induce at least a substantial portion of the ions to migrate into the non-ionized gas stream. | 10-28-2010 |
20110096457 | Self-balancing ionized gas streams - Self-balancing, corona discharge for the stable production of electrically balanced and ultra-clean ionized gas streams is disclosed. This result is achieved by promoting the electronic conversion of free electrons into negative ions without adding oxygen or another electronegative gas to the gas stream. The invention may be used with electronegative and/or electropositive or noble gas streams and may include the use of a closed loop corona discharge control system. | 04-28-2011 |
20120037001 | CLEAN CORONA GAS IONIZATION FOR STATIC CHARGE NEUTRALIZATION - Clean corona gas ionization by separating contaminant byproducts from corona generated ions includes establishing a non-ionized gas stream having a pressure and flowing in a downstream direction, establishing a plasma region of ions and contaminant byproducts in which the pressure is sufficiently lower than the pressure of the non-ionized gas stream to prevent at least a substantial portion of the byproducts from migrating into the non-ionized gas stream, and applying an electric field to the plasma region sufficient to induce at least a substantial portion of the ions to migrate into the non-ionized gas stream. | 02-16-2012 |
20120198995 | Clean Corona Gas Ionization For Static Charge Neutralization - Clean corona gas ionization by separating contaminant byproducts from corona generated ions includes establishing a non-ionized gas stream having a pressure and flowing in a downstream direction, establishing a plasma region of ions and contaminant byproducts in which the pressure is sufficiently lower than the pressure of the non-ionized gas stream to prevent at least a substantial portion of the byproducts from migrating into the non-ionized gas stream, and applying an electric field to the plasma region sufficient to induce at least a substantial portion of the ions to migrate into the non-ionized gas stream. | 08-09-2012 |
Patent application number | Description | Published |
20100287099 | RISK ASSESSMENT RULE SET APPLICATION FOR FRAUD PREVENTION - Rules, applied to deny authorization of likely fraudulent transactions, are derived from a modified Patient Rule Induction Method algorithm that uses a target variable and a data set of past transactions each associated with a plurality of input variables and a hyper-rectangle enclosing a multi-dimensional space defined by a representation of the input variable values as points within the multi-dimensional space. While a count of the points within the hyper-rectangle is greater than a minimum support parameter, a first plurality of points proximal to edges of the hyper-rectangle are removed, where each such removing maximizes a mean value of the target variable, and then, while the mean value remains maximized, a second plurality of points proximal to the edges is added, where each adding maximizes or maintains the mean value. The hyper-rectangle is bounded within a minimum bounding box that defines the rules. | 11-11-2010 |
20100325035 | FRAUD/RISK BUREAU - Systems and methods for generating fraud/risk report for consumers are disclosed. A server computer in a fraud/risk system receives a request from a client computer of a user for a fraud/risk report associated with a consumer. The server computer queries a database that stores pre-filtered data provided from third party sources, and data (filtered or not filtered) from a payment processing network that processes payment card transactions. The pre-filtered data are associated with reported fraudulent activities. The server computer then generates a fraud/risk report and provides that report to the client computer of the user. The report includes the pre-filtered data that were associated with the consumer. The fraud/risk report may also be customized based on the request of the user or based on pre-determined criteria stored in the server computer. | 12-23-2010 |
20130304648 | SYSTEM AND METHOD FOR AUTHENTICATION USING PAYMENT PROTOCOL - Methods, systems, and devices are disclosed for using a payment processing network as an authorization engine to access secure physical areas, such as college dormitories, office buildings. A keycard with a cryptogram generator is presented by a user to an access device, and the access device or associated computer sends an access request message formatted like a payment authentication request message to an aggregator/acquirer and payment processing network. The payment processing network validates the cryptogram and returns an access response message, again formatted like a payment authorization response message, indicating that the keycard is authentic. The gate, door, turnstile, or other barrier is then temporarily unlocked to let the user through. | 11-14-2013 |
20140344155 | OUT OF BAND AUTHENTICATION AND AUTHORIZATION PROCESSING - Methods and systems for providing data retrieved and analyzed as part of an authentication process for a user device to other entities of a transaction system are disclosed. This data can be used by other entities of the transaction system to enable more secure authorization processes for transactions. A risk score generated for a payment application server computer and the data used to generate the risk score can be leveraged to provide an issuer with more detailed data to ensure that the user engaging in a transaction is authenticated and that transactions being processed by the issuer are not fraudulent. | 11-20-2014 |
Patent application number | Description | Published |
20090106151 | Fraud prevention based on risk assessment rule - A system, method, and computer-readable storage medium configured to import fraud prevention rules from an issuer and implement them in real-time at a payment processor. Usually, a card issuing bank either approves or declines financial transaction; however, in embodiments of the present invention, the issuing bank creates fraud prevention rules, and the payment processor implements the created rules. A payment processor apparatus comprises a network interface, and a verification engine. The verification engine includes a transaction driver, and a real time decisioning processor. The network interface is configured to receive a fraud prevention rule from a payment card issuing bank, and to receive a proposed financial transaction from an acquiring bank. The transaction driver receives the fraud prevention rule. The real time decisioning processor compares the proposed financial transaction from the acquirer and the fraud prevention rule to determine whether the proposed financial transaction should be declined. | 04-23-2009 |
20100005029 | Risk management workstation - A system, method, and computer-readable storage medium configured to import fraud prevention rules from an issuer and implement them in real-time at a payment processor. Usually, a card issuing bank either approves or declines financial transaction; however, in embodiments of the present invention, the issuing bank creates fraud prevention rules, and the payment processor implements the created rules. A payment processor apparatus comprises a network interface, and a verification engine. The verification engine includes a transaction driver, and a real time decisioning processor. The network interface is configured to receive a fraud prevention rule from a payment card issuing bank, and to receive a proposed financial transaction from an acquiring bank. The transaction driver receives the fraud prevention rule. The real time decisioning processor compares the proposed financial transaction from the acquirer and the fraud prevention rule to determine whether the proposed financial transaction should be declined. | 01-07-2010 |
20140310160 | Alert System with Multiple Transaction Indicators - A user may receive an alert notification message on a mobile device for any high risk transaction along with a set of recent transactions conducted on an account associated with the user. The user may be able to respond back by either accepting or rejecting the transaction using an application on the mobile device. In one embodiment, for a rejected transaction, a plurality of options may be presented to the user's mobile device for the user to select a reason for rejecting a transaction. An issuer associated with the payment account used for the transaction may receive the user's response and accordingly take appropriate actions on the account. | 10-16-2014 |
Patent application number | Description | Published |
20110252280 | INTELLIGENT LUN GENERATION AND MANAGEMENT - An apparatus for generating and managing logical units (LUNs) in a storage network environment is disclosed herein. In one embodiment, such an apparatus includes an identification module to identify a type of LUN, one or more servers that will access the LUN, and a storage system that will host the LUN. A mapping module maps the type, the one or more servers, and the storage system to one more abbreviations. A naming module then generates a LUN name that encapsulates the abbreviations. An assignment module may then assign the LUN name to the LUN. A corresponding method and computer program product are also disclosed herein. | 10-13-2011 |
20120203876 | INTELLIGENT LUN GENERATION AND MANAGEMENT - A method for generating and managing logical units (LUNs) in a storage network environment is disclosed herein. In one embodiment, such a method includes determining a type of LUN, identifying one or more servers that will access the LUN, and identifying a storage system that will host the LUN. The method then generates a LUN name that encapsulates the type, the one or more servers, and the storage system. The method then assigns the LUN name to the LUN. A corresponding apparatus and computer program product are also disclosed herein. | 08-09-2012 |
20150036992 | APPARATUS FOR CABLE ORGANIZATION - A cable management apparatus includes a flexible planar body and a plurality of channels aligned along a longitudinal axis on a surface of the flexible planar body. The flexible planar body has a plurality of fasteners aligned along a first edge and a second edge of the flexible planar body, the flexible planar body capable of forming a substantially circular bundle along the longitudinal axis. Each channel of the plurality of channels is configured to secure an individual cable to keep the cable from intersecting with another cable. | 02-05-2015 |