Patent application number | Description | Published |
20080228601 | Techniques for Reconstructing Supply Chain Networks Using Pair-Wise Correlation Analysis - Techniques for reconstructing networks are provided. In one aspect, a method for reconstructing a synthetic network, such as a synthetic biological network, is provided. In another aspect, a method for reconstructing a supply chain network is provided. Exemplary supply chain networks include supply chains for petroleum distribution. | 09-18-2008 |
20080250002 | OBJECT CLASSIFICATION - Classification of objects using the best boolean expression that represents the most optimal combination of the underlying features is disclosed. | 10-09-2008 |
20080313135 | METHOD OF IDENTIFYING ROBUST CLUSTERING - A method of finding robust clusters comprises the use of principal component analysis and consensus ensemble clustering. In another aspect, the method may comprise normalizing a data set; identifying attributes of the data set that contribute to most of variation in the normalized data set; selecting data having the attributes that contribute to most of variation in the normalized data set; identifying a plurality of clusters from the selected data using consensus ensemble clustering; and identifying robust clusters from the plurality of clusters. The method can be used in healthcare and life science. | 12-18-2008 |
20090099788 | PROTEIN STRUCTURE ANALYSIS - Techniques for analyzing one or more protein structures. In one aspect of the invention, the technique comprises the following steps. A normalized second-order hydrophobic moment is determined for a protein structure. The normalized second-order hydrophobic moment is then used for analysis of the protein structure. A scoring function in accordance with the normalized second-order hydrophobic moment for the protein structure may be determined. A score for the protein structure may then be generated using the scoring function. The scoring function may represent an integral of the normalized second-order hydrophobic moment. The scores may be generated for a plurality of protein structures. The scores generated for the plurality of protein structures may then be compared. | 04-16-2009 |
20110231108 | PROTEIN STRUCTURE ANALYSIS - Techniques for analyzing one or more protein structures. In one aspect of the invention, the technique comprises the following steps. A normalized second-order hydrophobic moment is determined for a protein structure. The normalized second-order hydrophobic moment is then used for analysis of the protein structure. A scoring function in accordance with the normalized second-order hydrophobic moment for the protein structure may be determined. A score for the protein structure may then be generated using the scoring function. The scoring function may represent an integral of the normalized second-order hydrophobic moment. The scores may be generated for a plurality of protein structures. The scores generated for the plurality of protein structures may then be compared. | 09-22-2011 |
20110278155 | ELECTROCHEMICAL CONTROL OF CHEMICAL CATALYSIS USING SINGLE MOLECULE MOTORS AND DIGITAL LOGIC - Methods for controlling catalysis of a chemical reaction generally includes electrostatically controlling position of a first linear single-molecule polymer inside at least one nanopore fluidly coupled to a reaction chamber comprising a reaction medium and at least one reactant, wherein the first linear single-molecule polymer is coupled to a first catalyst at one end and includes one or more charged sub-units; and creating an electrostatic potential well inside the nanopore, wherein the electrostatic potential well controls a position of the first linear single-molecule polymer inside the at least one nanopore. Also disclosed are apparatuses for controlling catalysis of the chemical reaction. | 11-17-2011 |
20120193235 | DNA MOTION CONTROL BASED ON NANOPORE WITH ORGANIC COATING FORMING TRANSIENT BONDING TO DNA - A nanodevice includes a reservoir filled with a conductive fluid and a membrane separating the reservoir. The membrane includes an insulating layer. A nanopore is formed through the membrane, and an organic coating is provided on the insulating layer to form a transient bond to a DNA molecule in the nanopore. The transient bond is stronger than thermal motion, such that the transient bond can hold the DNA molecule against the thermal motion. When a voltage is applied across the membrane, the voltage will break the transient bond to move the DNA molecule through the nanopore in a controllable state. | 08-02-2012 |
20120193236 | ELECTRON BEAM SCULPTING OF TUNNELING JUNCTION FOR NANOPORE DNA SEQUENCING - A nanodevice is provided that includes a reservoir filled with a conductive fluid and a membrane separating the reservoir. The membrane includes an electrode layer having a tunneling junction formed therein. A nanopore is formed through the membrane, and the nanopore is formed through other layers of the membrane such that the nanopore is aligned with the tunneling junction of the electrode layer. When a voltage is applied to the electrode layer, a tunneling current is generated by a base in the tunneling junction to be measured as a signature for distinguishing the base. When an organic coating is formed on an inside surface of the tunneling junction, transient bonds are formed between the electrode layer and the base. | 08-02-2012 |
20120193237 | DNA SEQUENCING USING MULTIPLE METAL LAYER STRUCTURE WITH DIFFERENT ORGANIC COATINGS FORMING DIFFERENT TRANSIENT BONDINGS TO DNA - A nanodevice includes a reservoir filled with conductive fluid and a membrane separating the reservoir. A nanopore is formed through the membrane having electrode layers separated by insulating layers. A certain electrode layer has a first type of organic coating and a pair of electrode layers has a second type. The first type of organic coating forms a motion control transient bond to a molecule in the nanopore for motion control, and the second type forms first and second transient bonds to different bonding sites of a base of the molecule. When a voltage is applied to the pair of electrode layers a tunneling current is generated by the base in the nanopore, and the tunneling current travels via the first and second transient bonds formed to be measured as a current signature for distinguishing the base. The motion control transient bond is stronger than first and second transient bonds. | 08-02-2012 |
20120322055 | Molecular Dispensers - A method for dispensing charged particles includes applying a bias voltage to promote motion of charged molecules through a nanopore, detecting passage of at least one charged molecule through the nanopore, and manipulating an electrostatic potential barrier inside the nanopore, so as to prevent movement of additional charged molecules through the nanopore. | 12-20-2012 |
20120325656 | ELECTRON BEAM SCULPTING OF TUNNELING JUNCTION FOR NANOPORE DNA SEQUENCING - A technique for a nanodevice is provided that includes a reservoir filled with a conductive fluid and a membrane separating the reservoir. The membrane includes an electrode layer having a tunneling junction formed therein. A nanopore is formed through the membrane, and the nanopore is formed through other layers of the membrane such that the nanopore is aligned with the tunneling junction of the electrode layer. When a voltage is applied to the electrode layer, a tunneling current is generated by a base in the tunneling junction to be measured as a signature for distinguishing the base. When an organic coating is formed on an inside surface of the tunneling junction, transient bonds are formed between the electrode layer and the base. | 12-27-2012 |
20130001255 | MOLECULAR DISPENSERS - A method for dispensing charged particles includes applying a bias voltage to promote motion of charged molecules through a nanopore, detecting passage of at least one charged molecule through the nanopore, and manipulating an electrostatic potential barrier inside the nanopore, so as to prevent movement of additional charged molecules through the nanopore. | 01-03-2013 |
20130068617 | CHARGED ENTITIES AS LOCOMOTIVE TO CONTROL MOTION OF POLYMERS THROUGH A NANOCHANNEL - A technique for controlling the motion of one or more charged entities linked to a polymer through a nanochannel is provided. A first reservoir and a second reservoir are connected by the nanochannel. An array of electrodes is positioned along the nanochannel, where fluid fills the first reservoir, the second reservoir, and the nanochannel. A first electrode is in the first reservoir and a second electrode is in the second reservoir. The first and second electrodes are configured to direct the one or more charged entities linked to the polymer into the nanochannel. An array of electrodes is configured to trap the one or more charged entities in the nanochannel responsive to being controlled for trapping. The array of electrodes is configured to move the one or more charged entities along the nanochannel responsive to being controlled for moving. | 03-21-2013 |
20130068618 | CHARGED ENTITIES AS LOCOMOTIVE TO CONTROL MOTION OF POLYMERS THROUGH A NANOCHANNEL - A technique for controlling the motion of one or more charged entities linked to a polymer through a nanochannel is provided. A first reservoir and a second reservoir are connected by the nanochannel. An array of electrodes is positioned along the nanochannel, where fluid fills the first reservoir, the second reservoir, and the nanochannel. A first electrode is in the first reservoir and a second electrode is in the second reservoir. The first and second electrodes are configured to direct the one or more charged entities linked to the polymer into the nanochannel. An array of electrodes is configured to trap the one or more charged entities in the nanochannel responsive to being controlled for trapping. The array of electrodes is configured to move the one or more charged entities along the nanochannel responsive to being controlled for moving. | 03-21-2013 |
20130254772 | VERIFICATION OF COMPLEX WORKFLOWS THROUGH INTERNAL ASSESSMENT OR COMMUNITY BASED ASSESSMENT - A method of implementing verification of a complex workflow includes partitioning the workflow into modules, wherein the modules have inputs, processing steps and outputs; selecting, from the workflow, one of the partitioned modules for independent verification by challenge thereof; running, with a computing device, a challenge of the selected module, the challenge comprising comparing reference outputs to outputs of the selected module, wherein reference inputs are received by the selected module and the reference outputs are generated using the reference inputs and one of an ideal performing module or a well-established module; determining whether outputs of the selected module meet verification criteria with respect to the reference outputs, and based on the determining, implementing one of: declaring the selected module verified; subdividing the selected module into smaller modules and repeating the challenge on the smaller modules; or declaring the selected module not verified. | 09-26-2013 |
20140151227 | FIELD EFFECT BASED NANOSENSOR FOR BIOPOLYMER MANIPULATION AND DETECTION - A mechanism is provided for manipulating a molecule. The molecule is driven into a nanochannel filed with electrically conductive fluid. A first vertical electric field is created inside the nanochannel to slow down the molecule and/or immobilize the molecule. The molecule is stretched into non-folded linear chains by the first vertical electric field and a horizontal electric field. Monomers of the molecule are sequentially read. | 06-05-2014 |
20140151228 | FIELD EFFECT BASED NANOSENSOR FOR BIOPOLYMER MANIPULATION AND DETECTION - A mechanism is provided for manipulating a molecule. The molecule is driven into a nanochannel filed with electrically conductive fluid. A first vertical electric field is created inside the nanochannel to slow down the molecule and/or immobilize the molecule. The molecule is stretched into non-folded linear chains by the first vertical electric field and a horizontal electric field. Monomers of the molecule are sequentially read. | 06-05-2014 |
20140312002 | FABRICATION OF TUNNELING JUNCTION FOR NANOPORE DNA SEQUENCING - A mechanism is provided for forming a nanodevice. A reservoir is filled with a conductive fluid, and a membrane is formed to separate the reservoir in the nanodevice. The membrane includes an electrode layer having a tunneling junction formed therein. The membrane is formed to have a nanopore formed through one or more other layers of the membrane such that the nanopore is aligned with the tunneling junction of the electrode layer. The tunneling junction of the electrode layer is narrowed to a narrowed size by electroplating or electroless deposition. When a voltage is applied to the electrode layer, a tunneling current is generated by a base in the tunneling junction to be measured as a current signature for distinguishing the base. When an organic coating is formed on an inside surface of the tunneling junction, transient bonds are formed between the electrode layer and the base. | 10-23-2014 |
20140312003 | FABRICATION OF TUNNELING JUNCTION FOR NANOPORE DNA SEQUENCING - A mechanism is provided for forming a nanodevice. A reservoir is filled with a conductive fluid, and a membrane is formed to separate the reservoir in the nanodevice. The membrane includes an electrode layer having a tunneling junction formed therein. The membrane is formed to have a nanopore formed through one or more other layers of the membrane such that the nanopore is aligned with the tunneling junction of the electrode layer. The tunneling junction of the electrode layer is narrowed to a narrowed size by electroplating or electroless deposition. When a voltage is applied to the electrode layer, a tunneling current is generated by a base in the tunneling junction to be measured as a current signature for distinguishing the base. When an organic coating is formed on an inside surface of the tunneling junction, transient bonds are formed between the electrode layer and the base. | 10-23-2014 |
20140326604 | INTEGRATED NANOWIRE/NANOSHEET NANOGAP AND NANOPORE FOR DNA AND RNA SEQUENCING - A technique is provided for base recognition in an integrated device is provided. A target molecule is driven into a nanopore of the integrated device. The integrated device includes a nanowire separated into a left nanowire part and a right nanowire part to form a nanogap in between, a source pad connected to the right nanowire part, a drain pad connected to the left nanowire part, and the nanopore. The source pad, the drain pad, the right nanowire part, the left nanowire part, and the nanogap together form a transistor. The nanogap is part of the nanopore. A transistor current is measured while a single base of the target molecule is in the nanogap of the nanopore, and the single base affects the transistor current. An identity of the single base is determined according to a change in the transistor current. | 11-06-2014 |
20140326954 | INTEGRATED NANOWIRE/NANOSHEET NANOGAP AND NANOPORE FOR DNA AND RNA SEQUENCING - A technique is provided for base recognition in an integrated device is provided. A target molecule is driven into a nanopore of the integrated device. The integrated device includes a nanowire separated into a left nanowire part and a right nanowire part to form a nanogap in between, a source pad connected to the right nanowire part, a drain pad connected to the left nanowire part, and the nanopore. The source pad, the drain pad, the right nanowire part, the left nanowire part, and the nanogap together form a transistor. The nanogap is part of the nanopore. A transistor current is measured while a single base of the target molecule is in the nanogap of the nanopore, and the single base affects the transistor current. An identity of the single base is determined according to a change in the transistor current. | 11-06-2014 |
20150037787 | POLYNUCLEOTIDE CONFIGURATION FOR RELIABLE ELECTRICAL AND OPTICAL SENSING - A mixed polynucleotide includes a first double stranded (ds) portion, a second portion including at least one single stranded (ss) portion, and a third ds portion. The second portion connects the first ds portion and the third ds portion to provide a modified polynucleotide. | 02-05-2015 |
20150037843 | POLYNUCLEOTIDE CONFIGURATION FOR RELIABLE ELECTRICAL AND OPTICAL SENSING - A mixed polynucleotide includes a first double stranded (ds) portion, a second portion including at least one single stranded (ss) portion, and a third ds portion. The second portion connects the first ds portion and the third ds portion to provide a modified polynucleotide. | 02-05-2015 |
20150038691 | POLYNUCLEOTIDE CONFIGURATION FOR RELIABLE ELECTRICAL AND OPTICAL SENSING - A mixed polynucleotide includes a first double stranded (ds) portion, a second portion including at least one single stranded (ss) portion, and a third ds portion. The second portion connects the first ds portion and the third ds portion to provide a modified polynucleotide. | 02-05-2015 |
Patent application number | Description | Published |
20090106134 | APPLICANT AUTHENTICATION - A method of authenticating an applicant. A history is obtained of transactions performed on an account held by the applicant and for which the applicant has been previously authenticated. The transaction history includes information about each transaction. The applicant is asked one or more questions relating to the information in the history. Answers to the one or more questions are received from the applicant, and a decision is made based on the received answers and the transaction history whether the applicant is authenticated. The applicant may be applying for enrollment in a service, and enrollment may be accepted or declined based on whether the applicant is authenticated. The account may relate to a payment instrument, and the authentication may be performed by an entity other than the issuer of the payment instrument. | 04-23-2009 |
20090178120 | ELECTRONIC VERIFICATION SERVICE SYSTEMS AND METHODS - Systems and methods for authenticating an applicant. In one implementation, the applicant indicates to an acquirer an existing account for which the applicant wishes to be authenticated. The acquirer sends a message over an electronic funds transfer (EFT) network to an issuer of the account requesting a set of questions to ask the applicant. The issuer replies with a set of questions. The acquirer asks the applicant the questions, and forwards the applicant's answers to the issuer. The issuer compares the answers with known information relating to the account and decides, based on the comparison, whether the applicant is authenticated. The issuer then communicates its decision to the acquirer. Preferably, the messages and their associated replies are added to the set of messages handled by the EFT network, so that authentication may be handled in a standardized way without proliferating applicants' secret information. | 07-09-2009 |
20100051685 | ENABLING CONSUMER CHOICE ON CONTACTLESS TRANSACTIONS WHEN USING A DUAL-BRANDED PAYMENT INSTRUMENT - The embodiments presented herein provide for systems and methods for allowing different types of transactions, e.g., credit or debit transactions, over different payment networks, e.g., Visa or STAR networks, using contactless payment devices. In embodiments, a merchant and/or consumer can select if he or she wants a debit or credit transaction. The merchant point-of-sale (POS) device can process these choices and transmit the request to the contactless payment device. In embodiments, the contactless payment device includes two or more applications (one for credit transactions and one for debit transactions) for conducting transactions and transmitting the requested information to the merchant POS device. The merchant POS device can then use the information received from the contactless payment device to complete the transaction over the requested network. | 03-04-2010 |
20100185545 | DYNAMIC PRIMARY ACCOUNT NUMBER (PAN) AND UNIQUE KEY PER CARD - Methods, systems, and machine-readable media are disclosed for handling information related to a financial transaction including utilizing dynamic cryptograms. According to one embodiment, a method of processing a financial transaction related to a financial account can comprise detecting initiation of the transaction with a device used as a presentation instrument in the transaction. A Dynamic Transaction Cryptogram (DTC) and a dynamic PAN can be generated at the device. The DTC can be used to authenticate the transaction and the dynamic PAN can comprise an encrypted form of a real PAN of the financial account that is valid for a single transaction. The DTC and the dynamic PAN can be provided by the device for use in the transaction. | 07-22-2010 |
20100191633 | SYSTEMS AND METHODS FOR FINANCIAL ACCOUNT ACCESS FOR A MOBILE DEVICE VIA A GATEWAY - Systems and methods for providing secure access of at least one of multiple financial account processors to a mobile device and/or facilitating secure financial transactions initiated from a mobile device via a gateway. One method can include receiving a mobile personal identification number (M-PIN) number and Customer Unique Identifier (CUID) from a mobile device and processing the received M-PIN and CUID to identify a Mobile Unique Identifier (MUID). The MUID identifies an account of at least one financial account processor accessible via a gateway, and the mobile device is provided access to the account through the gateway. Prior to providing the mobile device with access to the account, a set of inquiries associated with the identified financial account processor(s) may be presented to the mobile device, and response information from the mobile device to answer the set of inquiries may be verified at the gateway. The mobile device is provided access to the financial account processor after the response information is verified. | 07-29-2010 |
20110153496 | AUTHENTICATION OF CARD-NOT-PRESENT TRANSACTIONS - Methods, systems, and machine-readable media are disclosed for processing a card-not-present transaction. According to one embodiment, processing a card-not-present transaction can comprise receiving a request for a card-not-present transaction involving an enrolled consumer. The request can include information identifying the enrolled consumer. A record of information related to the enrolled consumer can be read and the enrolled consumer can be authenticated based at least in part on the information of the request and the record of information related to the enrolled consumer. In response to authenticating the enrolled consumer, a set of single-use payment information can be generated which can include a one-time password and a dynamic Primary Account Number (PAN) which is valid for a single transaction. The single-use payment information can be provided to the enrolled consumer or the merchant to complete the transaction in place of the true PAN. | 06-23-2011 |
20120317035 | PROCESSING TRANSACTIONS WITH AN EXTENDED APPLICATION ID AND DYNAMIC CRYPTOGRAMS - Methods, systems, and machine-readable media are disclosed for handling information related to a transaction conducted with a presentation instrument at a POS device. Extended application IDs and dynamic cryptograms are use for the transaction. According to one embodiment, a method of processing a financial transaction for an account having a primary account number (PAN) can comprise detecting initiation of the transaction with the presentation instrument, and providing from the presentation instrument to the POS device a list of one or more applications IDs. Each application ID identifies an application that can be used to communicate data concerning the transaction between the presentation instrument and the POS device. The POS device selects one of the application IDs and returns it to the presentation instrument. Under the control of the selected application, the presentation instrument generates a Dynamic Transaction Cryptogram (DTC) and a dynamic PAN that are each valid for only a single transaction. | 12-13-2012 |
20150073926 | SELECTING MOBILE WALLET APPLICATION FOR A TRANSACTION CONDUCTED USING A SMART CARD - A merchant point-of-sale terminal may include a local merchant file having a list of preferred AIDs (application identifiers) determined by the merchant and used to select the payment vehicle used to conduct a transaction with a smart card. The list of preferred AIDs may be used in a priority established by the merchant. | 03-12-2015 |
Patent application number | Description | Published |
20130080219 | Systems and Methods for Providing Value Added Services in Association with Payment Transactions - Embodiments of the disclosure can relate to systems and methods for providing value added services in association with the processing of payment transactions. Certain embodiments of the disclosure can relate to provision of value added services in association with the processing of payment transactions. In one embodiment, a computer-implemented method for processing proposed transactions can be provided. The method can include receiving, from a merchant device by a service provider system comprising one or more computers, information associated with a purchase transaction; identifying, by the service provider system, one or more value added services applicable to the purchase transaction; and implementing, by the service provider system, the one or more applicable value added services. | 03-28-2013 |
20130080236 | Systems and Methods for Enrolling Consumers in Loyalty Programs - Embodiments of the disclosure can relate to systems and methods for enrolling consumers in loyalty programs. Certain embodiments of the disclosure can relate to automatic enrollment of consumers in loyalty programs. In one embodiment, a computer-implemented method for enrolling a consumer in a loyalty program can be provided. The method can include establishing, by a merchant device, communication with a consumer device; determining, by the merchant device, that loyalty information is not stored on the consumer device; and providing, by the merchant device to the consumer device, loyalty information. | 03-28-2013 |
20130080273 | Systems and Methods for Facilitating Communication Between a Point of Sale Device and a Consumer Device - Embodiments of the disclosure can include systems and methods for facilitating communication between a point of sale device and a consumer device. In one embodiment, a computer-implemented method for communicating with a consumer device at a point of sale (POS) can be provided. The method can include establishing, by a merchant POS device, communication with the consumer device at the point of sale; collecting, by the merchant POS device, transaction-related information from a payment application associated with the consumer device; determining, by the merchant POS device, that the collected transaction-related information does not include both payment-related information and value added services (VAS) information associated with one or more VAS; and collecting, by the merchant POS device based at least in part upon the determination, second transaction-related information from a second payment application associated with the consumer device. | 03-28-2013 |
20130080328 | Systems and Methods for Processing Payment Transactions - Embodiments of the disclosure can include systems and methods for processing transactions. In one embodiment, a computer-implemented method for processing proposed transactions can be provided. The method can include storing, by a service provider system comprising one or more computers, one or more issuer rules associated with the applicability of one or more payment accounts to proposed transaction; receiving, by the service provider system from a merchant computer, information associated with a proposed transaction, the information comprising one of an identification of a payment account or an identification of a consumer payment device; evaluating, by the service provider system utilizing the one or more issuer rules, the proposed transaction; and determining, by the service provider system based at least in part upon the evaluation, at least one of (i) a payment account to utilize in association with the proposed transaction or (ii) whether the proposed transaction will be approved or denied. | 03-28-2013 |
20130080329 | Systems and Methods for Facilitating Card Present Transactions - Embodiments of the disclosure can include systems and methods for facilitating card present transactions. In one embodiment, a computer-implemented method for conducting card present transactions can be provided. The method can include receiving, by a merchant system comprising one or more computers, a request for a card present electronic commerce transaction on behalf of a consumer; determining, by the merchant system, an identifier of a mobile device of the consumer; obtaining, by the merchant system from the mobile device, validation information associated with a payment application stored on the mobile device; and outputting, by the merchant system for communication to an issuer system, a proposed card present transaction and the validation information. | 03-28-2013 |
20130097031 | Systems and Methods for Facilitating Point of Sale Transactions - Systems and methods for facilitating point of sale transactions. In one embodiment, a computer-implemented method can be provided. The method can include collecting, by a mobile device at a merchant point of sale, merchant contextual information associated with a merchant station at a merchant location. The method can also include identifying payment information stored on the mobile device. Further, the method can also include providing the merchant contextual information and the payment information to a merchant device in order to complete a point of sale transaction. | 04-18-2013 |
20130097034 | Systems and Methods for Facilitating Point of Sale Transactions - In yet another embodiment, a computer-implemented method can be provided. The method can include storing, in at least one memory associated with a mobile device, payment information. The method can further include generating, utilizing the payment information, a displayable image. Furthermore, the method can include directing output of the image by a display associated with the mobile device, wherein the image is scanned by a reader device at a point of sale in order to complete a point of sale transaction. | 04-18-2013 |
20130198081 | SYSTEMS AND METHODS FOR FACILITATING CARD PRESENT TRANSACTIONS - This disclosure describes systems and methods related to facilitating card present transaction. In one embodiment, a service provider system may receive a request from a merchant to initiate a card present transaction associated with a consumer. The service provider system may determine an identifier associated with a mobile device associated with the consumer. The service provider system may communicate to the mobile device, based at least in part on the identifier, a message that facilitates invocation of a transaction module associated with the mobile device. The service provider system may facilitate the car present transaction based at least in part on an interaction with the transaction module. | 08-01-2013 |
20130254052 | Systems and Methods for Facilitating Payments Via a Peer-to-Peer Protocol - This disclosure describes systems and methods related to facilitating payments via a peer-to-peer protocol. Tokenized information associated with a payment transaction may be obtained. Establishment of a peer-to-peer communications session with a payment recipient device may be facilitated. The tokenized information to the recipient device via the established peer-to-peer communications session may be communicated in order to facilitate completion of the payment transaction. | 09-26-2013 |
20130254102 | Systems and Methods for Distributing Tokenization and De-Tokenization Services - This disclosure describes systems and methods related to distributing tokenization and de-tokenization services. Information associated with a proposed payment transaction may be received by a payment transaction service provider system. The information may comprise a token generated by a tokenization service provider. A de-tokenization service provider separate from the tokenization service provider may be identified based at least in part upon the received information. The token may be routed by a payment transaction service provider system to the de-tokenization service provider for processing. | 09-26-2013 |
20130254108 | Systems and Methods for Communicating Transaction-Related Data to a Recipient Device - Embodiments of the disclosure relate to systems and methods for communicating transaction-related data to a recipient device. In at least one embodiment, a computer-implemented method can be provided. The method can include directing storage of transaction-related information comprising payment data and value added services data. The method can further include communicating the transaction-related information to a recipient device during a card emulation communication initiated by the recipient device, wherein the recipient device utilizes the transaction-related information to complete a payment transaction and provide one or more value added services associated with the payment transaction. | 09-26-2013 |
20130254110 | Systems and Methods for Processing Payment Transactions - Embodiments of the disclosure relate to systems and methods for communicating transaction-related data to a recipient device. In at least one embodiment, a computer-implemented method can be provided. The method can include directing storage of transaction-related information comprising payment data and value added services data. The method can further include communicating the transaction-related information to a recipient device during a card emulation communication initiated by the recipient device, wherein the recipient device utilizes the transaction-related information to complete a payment transaction and provide one or more value added services associated with the payment transaction. | 09-26-2013 |
20130339240 | Systems and Methods for Tokenizing Financial Information - This disclosure describes systems and methods related to authorizing payment transactions using verbal recognition of a customer. In some embodiments, a payment transaction service provider system may receive payment authorization information from a user device. The payment authorization information may include a recording. The payment authorization information may be authenticated based at least in part on the recording. A payment credential may be communicated in response to authenticating the payment authorization information. | 12-19-2013 |
20140074605 | SYSTEMS AND METHODS FOR FACILITATING PURCHASES AT A GAS STATION VIA MOBILE COMMERCE - Systems and methods are provided for facilitating purchases at a gas station via mobile commerce. A merchant system can receive an indication that a consumer is at or near the merchant location and can check the consumer into the location. A mobile application can launch and provide the merchant system with consumer identification information. While a consumer makes a purchase at a location, the merchant system can select advertising to provide to the consumer on the consumer mobile device to convince the consumer to make additional purchases at the merchant location. In addition, the consumer can make additional purchases from the merchant system while, for example, pumping gas and can be provided with a code or other identify to provide the consumer with access to those additional products once they have completed the gas purchase. | 03-13-2014 |
20140081853 | SYSTEMS AND METHODS FOR IMPLEMENTING MOBILE BILL PAYMENT FUNCTIONALITY IN MOBILE COMMERCE - This disclosure describes systems, methods, and computer-readable media related to facilitating mobile bill payment functionality in mobile commerce. In some embodiments, a user device comprising one or more processors may receive a notification from a financial institution, wherein the notification comprises information associated with a bill. The user device may display the notification. The user device may receive, from a user, an indication for an action associated with a payment of the bill. In some embodiments, the user device may process the action associated with the payment of the bill. | 03-20-2014 |
20140081854 | SYSTEMS AND METHODS FOR FACILITATING REMOTE AUTHORIZATION AND PAYMENT OF GOODS VIA MOBILE COMMERCE - An on-site consumer at a merchant location can obtain payment authorization and a payment method via a mobile device and mobile application from third-party payor that is not at the merchant location. The on-site consumer can select products for purchase and receive the price from the merchant POS device. The on-site consumer can initial the mobile application and select a third-party payor. A notification can be sent to the mobile or other device of the third-party payor. The third-party payor can elect to pay or decline the request and can select a payment method via the mobile application on their device. The decision of the third-party payor and any payment method can be transmitted to the mobile device of the on-site consumer and/or the merchant POS device. After the completion of the purchase, the mobile application can transmit an electronic receipt to the mobile device of the third-party payor. | 03-20-2014 |
20140090045 | SYSTEMS AND METHODS FOR FACILITATING LOGIN AID FUNCTIONALITY IN MOBILE COMMERCE - This disclosure describes systems, methods, and computer-readable media related to systems and methods for facilitating login functionality in mobile commerce. A user device may receive information. The user device may transmit the information to a remote server. The user device may receive a token generated by the remote server based at least in part on the information. The user device may receive a request for the information. The user device may transmit the token associated with the information to the remote server. The user device may receive a notification that the remote server transmitted the requested information. | 03-27-2014 |
20140100931 | SYSTEMS AND METHODS FOR FACILITATING BILL PAYMENT FUNCTIONALITY IN MOBILE COMMERCE - The disclosure relates to systems and methods for facilitating bill payment functionality in mobile commerce. In one embodiment, a method can include receiving a transaction code at the mobile device; transmitting the transaction code to a merchant device for association with a transaction; receiving transaction information associated with a transaction based on the transaction code at the mobile device; displaying the transaction information at the mobile device; displaying at least one payment option at the mobile device; receiving a selection of one of the at least one payment option; transmitting the selected payment option and transaction information from the mobile device for approval of the payment of the transaction; receiving notification of approval of the payment at the mobile device; and receiving a payment completion code associated with the notification of approval, wherein the payment completion code is provided to the consumer on a bill associated with the transaction. | 04-10-2014 |
20140351142 | SYSTEMS AND METHODS FOR PROCESSING PAYMENT TRANSACTIONS - Embodiments of the disclosure can include systems and methods for processing transactions. In one embodiment, a computer-implemented method for processing proposed transactions can be provided. The method can include storing, by a service provider system comprising one or more computers, one or more issuer rules associated with the applicability of one or more payment accounts to proposed transaction; receiving, by the service provider system from a merchant computer, information associated with a proposed transaction, the information comprising one of an identification of a payment account or an identification of a consumer payment device; evaluating, by the service provider system utilizing the one or more issuer rules, the proposed transaction; and determining, by the service provider system based at least in part upon the evaluation, at least one of (i) a payment account to utilize in association with the proposed transaction or (ii) whether the proposed transaction will be approved or denied. | 11-27-2014 |