2658 results about "Transaction processing" patented technology

A computer system for automatic replacement of direct advertisements in scarce media includes an advertising server for selecting a direct advertisement based on certain criteria. Transaction results of the direct advertisement placement are reported back to the advertising server, and an associated accounting system. In one embodiment, the direct advertiser's server reports transactions back to the advertising server by email. In a second embodiment, a direct proxy server brokers the user's session (or interaction) with the direct advertiser's server, including transaction processing and the direct proxy server reports the results of transactions back to the advertising server and its associated accounting system. A direct proxy provides an independent audit of transactions at a remote direct advertiser's web site. The feedback of the results of direct advertisement transactions provides an efficient utilization of direct advertising space by way of an automated computer system with a predictive model for selection and distribution of direct advertising.

In a network having transaction acceleration, for an accelerated transaction, a client directs a request to a client-side transaction handler that forwards the request to a server-side transaction handler, which in turn provides the request, or a representation thereof, to a server for responding to the request. The server sends the response to the server-side transaction handler, which forwards the response to the client-side transaction handler, which in turn provides the response to the client. Transactions are accelerated by the transaction handlers by storing segments of data used in the transactions in persistent segment storage accessible to the server-side transaction handler and in persistent segment storage accessible to the client-side transaction handler. When data is to be sent between the transaction handlers, the sending transaction handler compares the segments of the data to be sent with segments stored in its persistent segment storage and replaces segments of data with references to entries in its persistent segment storage that match or closely match the segments of data to be replaced. The receiving transaction store reconstructs the data sent by replacing segment references with corresponding segment data from its persistent segment storage, requesting missing segments from the sender as needed. The transaction accelerators could handle multiple clients and / or multiple servers and the segments stored in the persistent segment stores can relate to different transactions, different clients and / or different servers. Persistent segment stores can be prepopulated with segment data from other transaction accelerators.

A method and system for mobile commerce, communication, and transaction processing to real-world POS, web, e-commerce, virtual terminal, mobile personal digital assistant, mobile phone, mobile device, or other computer based transactions involving either one or both financial and non-financial such as loyalty based transactions as a mobile payment system is described. One embodiment comprises using a mobile phone via a consumer mobile software application (CMA) in lieu of a consumer card (examples include physical, virtual, or chips) to conduct payment transactions in the Real or Virtual World of commerce. An embodiment is related to making payments to real-world stores via having the CMA on a mobile device on behalf of the consumer present to conduct transactions and no physical card required.

A run-time executive of an object management system for managing execution of software components in an object execution environment uses a component context object to store intrinsic context properties related to an associated component. The run-time executive maintains an implicit association of the component context object with the application component. For example, the context properties can include a client id, an activity id, and a transaction reference. The component context object also provides an interface accessible to the associated component, with member functions for use in transaction processing, in creating additional other application components inheriting component's context properties, and in access control based on abstract user classes (roles).

Transaction processing of online transactions at merchant sites determines the likelihood that such transactions are fraudulent, accounting for unreliable fields of a transaction order, which fields do not reliably identify a purchaser. A scoring server using statistical model uses multiple profiles associated with key fields, along with weights to indicate the degree to which the profiles identify the purchaser of the transaction.

A acquirer system used for credit card transaction processing includes a loyalty server to manage issuance of loyalty points as transactions are processed and to provide settlement features. The loyalty server uses loyalty qualifying criteria and assigned point values stored in an associated database. When points are awarded, the loyalty server records the value of the points and electronically transfers amounts from an account of a merchant to an account of the loyalty point issuer. The merchant may be multi-tiered, with the point value allotted between a central merchant organization and individual retail stores.

The present invention relates to a healthcare transaction processor for reviewing and processing healthcare charge statements from the healthcare providers and claim payment statements from the healthcare payers, paying for the patient-responsible portion of the healthcare charges, and providing to the patients consolidated healthcare transaction statements that summarize (1) the total healthcare charges, (2) the payments for the payer-responsible portion of such charges by the healthcare payer, and (3) the payments for the patient-responsible portion of such charges by such third-party healthcare transaction processor. The present invention also relates to a health payment system that performs the dual functions of a conventional healthcare payer and of the healthcare transaction processor as described hereinabove.

A voice control system for managing home electrical appliances includes a home agent server (HAS) connected to the home electrical appliances, a microphone and a speaker linked to the agent server through an in-house network. An transaction processing (TP) program runs on HAS and interprets the user's voice request to find a destined appliance and a manner of control the same, and performs the requested control to the destined appliance. The result is notified to the user by means of a voice message.

A voice control system for managing home electrical appliances includes a home agent server (HAS) connected to the home electrical appliances, a microphone and a speaker linked to the agent server through an in-house network. An transaction processing (TP) program runs on HAS and interprets the user's voice request to find a destined appliance and a manner of control the same, and performs the requested control to the destined appliance. The result is notified to the user by means of a voice message.

This invention uses separate, parallel communication channels to authorise and authenticate a transaction. A primary data channel (PSTN, radio or the like) is used to communicate between the merchant terminal and the bank, and a parallel data channel (a mobile phone network for instance) is used for the authentication process. In the example, the transaction is initiated (on a primary data channel), using a POS terminal as a transaction processing client. The transaction processing server and financial services provider fulfill their normal functions. At this point, the process loops into a transaction authorisation component using the parallel data channel, that requires authentication of the transaction initiator (the card holder). In the example, communications on the parallel data channel are by way of SMS. In the authorisation process, the card holder receives an SMS requesting authorisation of the transaction. If the card holder is not the transaction initiator, the card holder can cancel the transaction. If the transaction can be authorised, an authentication process is initiated in which the mobile phone is programmed to require the entry of a normally secret code (such as a personal identification number (PIN)) that serves to authenticate the card holder and to give final authorisation of the transaction.

Embodiments of the invention can combine card not present transaction processing with PIN verification. A merchant or a consumer can initiate transactions using any suitable transaction initiation channel. One aspect of the invention helps facilitate payment card authentication across multiple wallet providers / merchants using an encrypted card PIN and a digital certificate. One aspect of the invention can incorporate the use of different transaction networks to perform authentication and authorization processing.