Patent application number | Description | Published |
20090161953 | Method of high dynamic range compression with detail preservation and noise constraints - A method for high dynamic range compression uses a modified cumulative histogram as a compression curve. This curve is computed from the cumulative histogram of the image with constraints that the local derivative on the curve does not exceed a certain limit. The limit is fixed along the curve or the limit is variable, taking into account noise characteristics at various pixel values. To provide appropriate detail preservation, a smoothing filter is used to separate the image into an illumination image, referred to as a base image, and a detail image, and the compression curve is applied to the base image only. The compression method provides high dynamic range compression of the image while preserving the global contrast perception. Conventional global algorithms for high dynamic range compression are not capable of achieving this result. The proposed high dynamic range compression method also minimizes noise amplification while lightening the dark areas during image compression. | 06-25-2009 |
20090161983 | Method for automatic detection and correction of halo artifacts in images - A method of automatically detecting and correcting halo artifacts within a processed image is described. The method computes a two-dimensional (2D) gradient field of the original image and a 2D gradient field of the processed image. Each gradient field includes a gradient vector corresponding to each pixel. To detect halo artifacts, the gradient vector at each pixel of the original image is compared to the gradient vector at the corresponding pixel of the processed image. A halo artifact is determined to exist at a given pixel if a direction of the two corresponding gradient vectors differs by at least a specified threshold. To correct the halo artifacts, a composite gradient field is generated using one of three correction methods. A final image is generated by integrating the newly generated composite gradient field using known integration methods from a 2D gradient field such as ones based on the Fast Fourier Transform. | 06-25-2009 |
20090256947 | METHOD AND APPARATUS FOR PERFORMING TOUCH-BASED ADJUSTMENTS WITHIN IMAGING DEVICES - A camera and method which selectively applies image content adjustments to elements contained in the image material. By way of example, the method involves registration of user touch screen input and determination of the arbitrary extent of a specific element in the captured image material at the location at which touch input was registered. Once selected, the element can be highlighted on the display, and additional user input may be optionally input to control what type of adjustment is to be applied. Then the element within the captured image material is processed to apply automatic, or user-selected, adjustments to the content of said element in relation to the remainder of the captured image. The adjustments to the image element may comprise any conventional forms of image editing, such as saturation, white balance, exposure, sizing, noise reduction, sharpening, blurring, deleting and so forth. | 10-15-2009 |
20100238190 | JOINT HIGH DYNAMIC RANGE COMPRESSION AND NOISE REDUCTION - A high dynamic range (HDR) compression method and apparatus modeled after the heat equation describing temperature changes in a thin plate. This approach allows combining high dynamic range compression together with noise reduction in a single process, to be performed within the same iteration of the heat equation. Noise reduction is of particular concern while performing HDR compression because brightening of dark areas during high dynamic range compression has the potential to increase noise levels. Performing image processing techniques in combination according to the invention provides enhanced results while lowering the overall processing overhead. This innovation extends the heat equation analogy by adding anisotropic diffusion as an additional term, which allows joint operation of HDR and NR and mitigates noise enhancement within HDR compression during shadow enhancement. | 09-23-2010 |
20120195492 | Method and apparatus for generating a dense depth map using an adaptive joint bilateral filter - A method and apparatus for generating a dense depth map. In one embodiment, the method includes applying a joint bilateral filter to a first depth map to generate a second depth map, where at least one filter weight of the joint bilateral filter is adapted based upon content of an image represented by the first depth map, and the second depth map has a higher resolution than the first depth map. | 08-02-2012 |
20120219236 | METHOD AND APPARATUS FOR PERFORMING A BLUR RENDERING PROCESS ON AN IMAGE - A method and apparatus for performing a blur rendering process on an image is disclosed. In one embodiment, the method of performing a blur rendering process includes accessing a filtered image and depth map information, determining a plurality of blending coefficients for computing a weighted sum for the image and filtered image, wherein the plurality of blending coefficients define a substantially smooth transition from at least one first depth class to at least one second depth class and a substantially sharp transition from the at least one second depth class and the at least one first depth class, wherein the at least one first depth class and the at least one second depth class form at least a portion of a plurality of depth classes and combining the image and the filtered image into a resulting image using the plurality of coefficients. | 08-30-2012 |
20120242796 | AUTOMATIC SETTING OF ZOOM, APERTURE AND SHUTTER SPEED BASED ON SCENE DEPTH MAP - A Depth Map (DM) is able to be utilized for many parameter settings involving cameras, camcorders and other devices. Setting parameters on the imaging device includes zoom setting, aperture setting and shutter speed setting. | 09-27-2012 |
20120249816 | FOCUS DIRECTION DETECTION CONFIDENCE SYSTEM AND METHOD - An apparatus and method for determining confidence in focus direction detection, including the steps of capturing a plurality of images, calculating sets of matching errors and blur difference estimations relating to the images, capturing a plurality of object images; calculating sets of matching errors and blur difference estimations relating to the images, calculating a confidence indicator as a function of either the matching errors or blur difference estimations, and automatically adjusting a focus control element in response to said confidence indicator exceeding a threshold value. | 10-04-2012 |
20120250999 | DETECTION OF LOW CONTRAST FOR IMAGE PROCESSING - There are many applications that conduct both generation of contrast or complexity level and motion estimation for video processing. The applications often use a block matching technique. An embedded system such as a personal digital camera is an example of such an application. Additionally, comparison of error differences around the location of minimum error in a motion estimation error table is able to be used to determine low contrast in a scene. | 10-04-2012 |
20130141615 | System And Method For Utilizing Scene Detection In A Depth Estimation Procedure - A system and method for performing a depth estimation procedure includes a camera device with a sensor device for capturing blur images of a photographic target. Each of the captured blur images has a corresponding scene type that includes either a Gaussian scene type or a pillbox scene type. A depth generator performs a scene recognition procedure to identify the appropriate scene type for the respective blur images. The depth generator then selects an effective depth estimation procedure depending upon the detected scene type. | 06-06-2013 |
20130142386 | System And Method For Evaluating Focus Direction Under Various Lighting Conditions - A system and method for generating a direction confidence measure includes a camera sensor device that captures blur images of a photographic target. A depth estimator calculates matching errors for the blur images. The depth estimator then generates the direction confidence measure by utilizing the matching errors and a dynamic optimization constant that is selected depending upon image characteristics of the blur images. | 06-06-2013 |
20130142394 | System And Method For Performing Depth Estimation Utilizing Defocused Pillbox Images - A system and method for performing a depth estimation procedure utilizing defocused pillbox images includes a camera device with a sensor device for capturing pillbox blur images of a photographic target. The camera utilizes a depth estimator for performing a Gaussianization procedure that transforms the pillbox blur images into corresponding Gaussian blur images. The Gaussianization procedure is performed by convolving the pillbox blur images with a Gaussianization kernel to generate the corresponding Gaussian blur images. The depth estimator then utilizes the Gaussian blur images for effectively performing the depth estimation procedure. | 06-06-2013 |
20140079336 | SYSTEMS AND METHODS FOR CORRECTING USER IDENTIFIED ARTIFACTS IN LIGHT FIELD IMAGES - Systems and methods for correction of user identified artifacts in light field images are disclosed. One embodiment of the invention is a method for correcting artifacts in a light field image rendered from a light field obtained by capturing a set of images from different viewpoints and initial depth estimates for pixels within the light field using a processor configured by an image processing application, where the method includes: receiving a user input indicating the location of an artifact within said light field image; selecting a region of the light field image containing the indicated artifact; generating updated depth estimates for pixels within the selected region; and re-rendering at least a portion of the light field image using the updated depth estimates for the pixels within the selected region. | 03-20-2014 |
20140267829 | Systems and Methods for Photmetric Normalization in Array Cameras - Systems and methods for performing photometric normalization in an array camera in accordance with embodiments of this invention are disclosed. The image data of scene from a reference imaging component and alternate imaging components is received. The image data from each of the alternate imaging components is then translated to so that pixel information in the image data of each alternate imaging component corresponds to pixel information in the image data of the reference component. The shifted image data of each alternate imaging component is compared to the image data of the reference imaging component to determine gain and offset parameters for each alternate imaging component. The gain and offset parameters of each alternate imaging component is then applied to the image data of the associate imaging to generate corrected image data for each of the alternate imaging components. | 09-18-2014 |
20140321712 | Systems and Methods for Performing Depth Estimation using Image Data from Multiple Spectral Channels - Systems in accordance with embodiments of the invention can perform parallax detection and correction in images captured using array cameras. Due to the different viewpoints of the cameras, parallax results in variations in the position of objects within the captured images of the scene. Methods in accordance with embodiments of the invention provide an accurate account of the pixel disparity due to parallax between the different cameras in the array, so that appropriate scene-dependent geometric shifts can be applied to the pixels of the captured images when performing super-resolution processing. In a number of embodiments, generating depth estimates considers the similarity of pixels in multiple spectral channels. In certain embodiments, generating depth estimates involves generating a confidence map indicating the reliability of depth estimates. | 10-30-2014 |
20150042766 | System and Methods for Measuring Depth Using an Array Camera Employing a Bayer Filter - Systems in accordance with embodiments of the invention can perform parallax detection and correction in images captured using array cameras. Due to the different viewpoints of the cameras, parallax results in variations in the position of objects within the captured images of the scene. Methods in accordance with embodiments of the invention provide an accurate account of the pixel disparity due to parallax between the different cameras in the array, so that appropriate scene-dependent geometric shifts can be applied to the pixels of the captured images when performing super-resolution processing. In a number of embodiments, generating depth estimates considers the similarity of pixels in multiple spectral channels. In certain embodiments, generating depth estimates involves generating a confidence map indicating the reliability of depth estimates. | 02-12-2015 |
20150042767 | Systems and Methods for Measuring Depth Based Upon Occlusion Patterns in Images - Systems in accordance with embodiments of the invention can perform parallax detection and correction in images captured using array cameras. Due to the different viewpoints of the cameras, parallax results in variations in the position of objects within the captured images of the scene. Methods in accordance with embodiments of the invention provide an accurate account of the pixel disparity due to parallax between the different cameras in the array, so that appropriate scene-dependent geometric shifts can be applied to the pixels of the captured images when performing super-resolution processing. In a number of embodiments, generating depth estimates considers the similarity of pixels in multiple spectral channels. In certain embodiments, generating depth estimates involves generating a confidence map indicating the reliability of depth estimates. | 02-12-2015 |
20150049915 | Systems and Methods for Generating Depth Maps and Corresponding Confidence Maps Indicating Depth Estimation Reliability - Systems in accordance with embodiments of the invention can perform parallax detection and correction in images captured using array cameras. Due to the different viewpoints of the cameras, parallax results in variations in the position of objects within the captured images of the scene. Methods in accordance with embodiments of the invention provide an accurate account of the pixel disparity due to parallax between the different cameras in the array, so that appropriate scene-dependent geometric shifts can be applied to the pixels of the captured images when performing super-resolution processing. In a number of embodiments, generating depth estimates considers the similarity of pixels in multiple spectral channels. In certain embodiments, generating depth estimates involves generating a confidence map indicating the reliability of depth estimates. | 02-19-2015 |
20150049916 | Systems and Methods for Estimating Depth and Visibility from a Reference Viewpoint for Pixels in a Set of Images Captured from Different Viewpoints - Systems in accordance with embodiments of the invention can perform parallax detection and correction in images captured using array cameras. Due to the different viewpoints of the cameras, parallax results in variations in the position of objects within the captured images of the scene. Methods in accordance with embodiments of the invention provide an accurate account of the pixel disparity due to parallax between the different cameras in the array, so that appropriate scene-dependent geometric shifts can be applied to the pixels of the captured images when performing super-resolution processing. In a number of embodiments, generating depth estimates considers the similarity of pixels in multiple spectral channels. In certain embodiments, generating depth estimates involves generating a confidence map indicating the reliability of depth estimates. | 02-19-2015 |
20150049917 | Systems and Methods for Measuring Depth In the Presence of Occlusions Using a Subset of Images - Systems in accordance with embodiments of the invention can perform parallax detection and correction in images captured using array cameras. Due to the different viewpoints of the cameras, parallax results in variations in the position of objects within the captured images of the scene. Methods in accordance with embodiments of the invention provide an accurate account of the pixel disparity due to parallax between the different cameras in the array, so that appropriate scene-dependent geometric shifts can be applied to the pixels of the captured images when performing super-resolution processing. In a number of embodiments, generating depth estimates considers the similarity of pixels in multiple spectral channels. In certain embodiments, generating depth estimates involves generating a confidence map indicating the reliability of depth estimates. | 02-19-2015 |
20150161798 | Array Cameras Including an Array Camera Module Augmented with a Separate Camera - Systems with an array camera augmented with a conventional camera in accordance with embodiments of the invention are disclosed. In some embodiments, the array camera is used to capture a first set of image data of a scene and a conventional camera is used to capture a second set of image data for the scene. An object of interest is identified in the first set of image data. A first depth measurement for the object of interest is determined and compared to a predetermined threshold. If the first depth measurement is above the threshold, a second set of image data captured using the conventional camera is obtained. The object of interest is identified in the second set of image data and a second depth measurement for the object of interest is determined using at least a portion of the first set of image data and at least a portion of the second set of image data. | 06-11-2015 |
Patent application number | Description | Published |
20080201226 | MOBILE COUPON METHOD AND PORTABLE CONSUMER DEVICE FOR UTILIZING SAME - Embodiments of the present invention relate to systems and methods involving mobile coupons. In one embodiment, an indication of a prior purchase transaction over a payment processing network, serves as a trigger to generate and disseminate a mobile coupon for a subsequent transaction. By generating and promulgating the coupon within a limited time of the first transaction, the recipient is disposed to be receptive based upon his or her current shopping status and also possibly geographic location. According to another embodiment, information from a mobile coupon may be presented from the consumer to a merchant in a contactless manner, utilizing an antenna of a portable device operated by a consumer. Coupon information may be communicated to the merchant with the payment information, or prior to or subsequent to transmission of the payment information to the merchant. | 08-21-2008 |
20110035278 | Systems and Methods for Closing the Loop between Online Activities and Offline Purchases - In one aspect, a computing apparatus is configured to facilitate the identification of a transaction resulting from an activity occurring in a substantially separate context or environment, such as an offline transaction in a “brick and mortar” retail store resulting from an online advertisement or an online search. The computing apparatus may match information about the activity and information about the transaction to correlate the online activity and the offline transaction. The matching process may involve the use of an offer for a discount, an incentive, a rebate, a reward, reward points, cash back, a gift, etc. The offer is to be provided in the advertisement associated with an online activity and redeemed in a payment transaction, processed via the transaction handler, to correlate the advertisement and the transaction. | 02-10-2011 |
20110047072 | Systems and Methods for Propensity Analysis and Validation - In one aspect, a computing apparatus includes: a transaction handler to process transactions; a data warehouse to store transaction data recording the transactions processed at the transaction handler; and a portal to receive a request from a client device over a network, the request including user data identifying at least one user. The client device has activity data recording activities of the user, and has the capability to determine from the activity data a first value for a first propensity score of the user. The computing apparatus further includes a score evaluator coupled to the data warehouse and the portal to determine a second value for the first propensity score based on transaction data recording payment transactions of the at least one user identified by the user data. The portal is configured to provide information based on the second value in response to the request. | 02-24-2011 |
20110302022 | Systems and Methods for Closing the Loop between Online Activities and Offline Purchases - In one aspect, a computing apparatus is configured to facilitate the identification of a transaction resulting from an activity occurring in a substantially separate context or environment, such as an offline transaction in a “brick and mortar” retail store resulting from an online advertisement or an online search. The computing apparatus may match information about the activity and information about the transaction to correlate the online activity and the offline transaction. The matching process may involve the use of an offer for a discount, an incentive, a rebate, a reward, reward points, cash back, a gift, etc. The offer is to be provided in the advertisement associated with an online activity and redeemed in a payment transaction, processed via the transaction handler, to correlate the advertisement and the transaction. | 12-08-2011 |
20120030047 | PAYMENT TOKENIZATION APPARATUSES, METHODS AND SYSTEMS - The PAYMENT TOKENIZATION APPARATUSES, METHODS AND SYSTEMS (“PT”) transform payment token-based purchase orders via PT components into multi-issuer purchase payment funds transfers. In one embodiment, the PT obtains a token arbitration request including unique source-neutral universally-resolvable payment token information from a merchant for processing a purchase order from a user. The PT queries a token database for issuer information on an issuer using the payment token information, and obtains the issuer information. The PT also determines that the user should be queried for payment options based on the issuer information, generates a payment options request, and provides the payment options request to a mobile device of the user. Upon obtaining a response to the payment options request from the mobile device of the user, the PT generates a purchase authorization request based on the payment options and pre-defined settings for issuers to be contacted for processing the purchase order, and provides the generated purchase authorization request to the issuer. | 02-02-2012 |
20130066771 | Systems and Methods to Configure Data for Diverse Services - A computing apparatus includes: a transaction handler configured to process payment transactions; a data warehouse coupled with the transaction handler to store transaction data recording the payment transactions processed by the transaction handler; and a portal coupled with the data warehouse to store non-transaction data associated with the transaction data. The portal is further configured to receive input from account holders to specify personalization data and to store the personalization data in the data warehouse to tag the non-transaction data. The personalization data controls the access to the non-transaction data tagged with the personalization data. | 03-14-2013 |
20130124263 | Systems and Methods to Summarize Transaction data - A computing apparatus is configured to summarize transaction data via aggregating transactions according to geographical regions (e.g., based on postal codes) for a plurality of merchant categories, normalize the aggregated spending across the merchant categories for each geographical region, rank the regions for each category based on the normalized spending, generate percentile indicators based on the ranking result, and generate spending indices that are proportional to the normalized spending within each category. The spending indices and percentile indicators of a geographical region across the set of merchant categories represent a spending profile of the region. The spending profile is indicative of the spending preferences of the region but does not reveal the actual spending amounts of any individual, family or region. The spending profile can be used in targeted advertising, and in measuring advertisement audience and campaign performance. | 05-16-2013 |
Patent application number | Description | Published |
20100114760 | ONLINE INTERACTIVE ISSUED ACCOUNT ACQUIRED TRANSACTION INFORMATION MANAGEMENT - A single point of access and an integrated user experience for a set of tools are provided for a payment processing system that includes a transaction handler in communication with issuers and acquirers for the processing of payments from the issuers to the acquirers. The tools include: (i) commercial reporting; (ii) expense management; and (iii) account program management tools that are used by (a) issuers who issue the accounts for the cards to account holders and by (b) the account holders. Multiples services are integrated as relevant to specific audiences through an entitlement process, where a single point access is allowed. Applications, which can be developed and/or hosted independently, are accessible through a common interface. | 05-06-2010 |
20110251950 | RESTRICTED USE CURRENCY - A first method comprises receiving at a computer apparatus an authorization request message comprising a first merchant identifier. The request message may also comprise an account identifier associated with an account and a first transaction amount for a first transaction conducted with a first merchant. The first method further comprises determining, by the computer apparatus, if an account comprises merchant specific currency associated with the first merchant that may be used to conduct the first transaction. It may then be determined if there is sufficient merchant specific currency associated with the first merchant in the account to pay for the first transaction amount. If there is insufficient merchant specific currency associated with the first merchant to pay for the first transaction amount, then non-specific currency in the account is applied automatically to a remainder of the first transaction amount. | 10-13-2011 |
20110258075 | Camera as a Vehicle to Identify a Merchant Access Device - Systems and methods of conducting a payment transaction using a mobile phone having a camera. The systems and methods receive an image of a merchant access device and optionally location data from a mobile device of a user engaged in the transaction. The systems and methods also receive transaction information associated with the transaction and account information associated with an account of the user. The systems and methods use the information to authorize or decline the transaction. | 10-20-2011 |
20110258118 | Authentication Process Using Search Technology - Systems and methods are presented for improved authentication and risk analysis processes using search engine technology. In one potential implementation, an authorization request message is received at a payment processing network as part of a transaction between a user and a merchant. The payment processing network analyzes risk based on a search history associated with the user involved in the transaction with the merchant. A response to the authentication request is made based in part on the risk associated with the user search history. In further embodiments, a user registers with a search engine as part of a service for improved authentication, where the user accepts privacy settings allowing storage of search and transaction data by a search engine server. The search engine server passes search and transaction data to a risk analysis server for creation of risk parameters which may be used to authenticate transactions. | 10-20-2011 |
20110282748 | APPARATUSES, METHODS AND SYSTEMS FOR USING A PERSONALIZED DATA REPOSITORY - The APPARATUS, METHODS AND SYSTEMS FOR USING A PERSONALIZED DATA REPOSITORY (“PDR”) transform merchant promotional offer inputs and individual user or consumer transaction inputs into targeted promotional offer outputs, which are distributed to individual user or consumers. In one embodiment the method includes a personalized data repository processor-implemented method that includes receiving, over a communications network, communication messages associated with a user's mobile communication device, whereby the communication messages associated with the user's mobile communication device are aggregated and packaged, upon authorization, from the mobile communication device. Merchant promotional offer information corresponding to promotional goods information or promotional services information is received over the communications network. The received user's sale transaction information is then correlated with the received promotional offer information for determining one or more targeted promotional offers based on the promotional goods or promotional services information and the purchased goods or purchased services information. The one or more targeted promotional offers are sent over the communications network to a mobile communication device of the user. | 11-17-2011 |
20120191525 | Systems and Methods to Facilitate Loyalty Reward Transactions - A communications system for financial transactions, such as payment transactions made via credit accounts, debit accounts, prepaid accounts, bank accounts, stored value accounts and the like, is enhanced and/or used to support reward transactions. Thus, the reward communications can be processed as transactions over the communications system in a way similar to and/or together with credit/debit transactions. | 07-26-2012 |
20130117184 | Camera as a Vehicle to Identify a Merchant Access Device - Systems and methods of conducting a payment transaction using a mobile phone having a camera. The systems and methods receive an image of a merchant access device and optionally location data from a mobile device of a user engaged in the transaction. The systems and methods also receive transaction information associated with the transaction and account information associated with an account of the user. The systems and methods use the information to authorize or decline the transaction. | 05-09-2013 |
20130332361 | SYSTEMS AND METHODS TO PROVIDE PRIVACY PROTECTION FOR ACTIVITIES RELATED TO TRANSACTIONS - A computing apparatus includes: a portal configured to present a privacy control panel to receive input from a user to create a privacy policy; a data warehouse configured to store the privacy policy in connection with account information of the user; and a transaction handler configured to provide a privacy indicator, in accordance with the privacy policy stored in the data warehouse, in an authorization response for a transaction made using the account information of the user. | 12-12-2013 |
20130332362 | SYSTEMS AND METHODS TO CUSTOMIZE PRIVACY PREFERENCES - A computing apparatus includes: a data warehouse storing first data representing a personal privacy policy of a user; a portal configured to communicate with a remote system storing second data representing a site privacy policy of an entity with whom the user interacts; and a rule engine coupled with the data warehouse and the portal to identify a policy customization to bridge a gap between the personal privacy policy of the user and the site privacy policy of the entity. | 12-12-2013 |
20140040134 | SYSTEMS AND METHODS TO PROTECT USER PRIVACY - A computing apparatus includes: a data warehouse storing first data representing a personal privacy policy of a user; a portal coupled between merchant systems and points of interaction of users; and a transaction handler coupled between acquirer processors and issuer processors. The portal and the transaction handler are configured to shield user data, such as address, account information, etc., from the merchant systems in accordance with the personal privacy policy of the user. | 02-06-2014 |
20140058949 | AUTHENTICATION PROCESS USING SEARCH TECHNOLOGY - Systems and methods are presented for improved authentication and risk analysis processes using search engine technology. In one potential implementation, an authorization request message is received at a payment processing network as part of a transaction between a user and a merchant. The payment processing network analyzes risk based on a search history associated with the user involved in the transaction with the merchant. A response to the authentication request is made based in part on the risk associated with the user search history. In further embodiments, a user registers with a search engine as part of a service for improved authentication, where the user accepts privacy settings allowing storage of search and transaction data by a search engine server. The search engine server passes search and transaction data to a risk analysis server for creation of risk parameters which may be used to authenticate transactions. | 02-27-2014 |
20140236827 | RESTRICTED USE CURRENCY - A first method comprises receiving at a computer apparatus an authorization request message comprising a first merchant identifier. The request message may also comprise an account identifier associated with an account and a first transaction amount for a first transaction conducted with a first merchant. The first method further comprises determining, by the computer apparatus, if an account comprises merchant specific currency associated with the first merchant that may be used to conduct the first transaction. It may then be determined if there is sufficient merchant specific currency associated with the first merchant in the account to pay for the first transaction amount. If there is insufficient merchant specific currency associated with the first merchant to pay for the first transaction amount, then non-specific currency in the account is applied automatically to a remainder of the first transaction amount. | 08-21-2014 |
20140258124 | AUTHENTICATION PROCESS USING SEARCH TECHNOLOGY - Systems and methods are presented for improved authentication and risk analysis processes using search engine technology. In one potential implementation, an authorization request message is received at a payment processing network as part of a transaction between a user and a merchant. The payment processing network analyzes risk based on a search history associated with the user involved in the transaction with the merchant. A response to the authentication request is made based in part on the risk associated with the user search history. In further embodiments, a user registers with a search engine as part of a service for improved authentication, where the user accepts privacy settings allowing storage of search and transaction data by a search engine server. The search engine server passes search and transaction data to a risk analysis server for creation of risk parameters which may be used to authenticate transactions. | 09-11-2014 |
20140337175 | Universal Electronic Payment Apparatuses, Methods and Systems - The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant. | 11-13-2014 |