American Express Travel Related Services Company, Inc.

Lead Core Fund, L.l.c.

Other

Iii Holdings 1, LLC

Plati Networking, LLC

Xatra Fund Mx, LLC

Secure Axcess LLC

Gula Consulting Limited Liability Company

Propulsion Remote Holdings, LLC

Chartoleaux Kg Limited Liability Company

Fred Alan Bishop

David Armes

Peter D Saunders

Tracey R Thomas

Bansi L Sharma

Elliott Glazer

Michael Richard Barrett

Dirk B White

Trey Neemann

Bill Schwarz

David E Johnstone

Jeffrey Alan Edelen

Eric James Eldridge

William S Schwarz, Jr

Coby Royer

William G Hohle

Russell Bennett

Nick Swift

Walter Donald Lake

Marvin Simkin

Zygmunt Steven Gorgol

Michael G Johnson

Theodore S Voltmer

Fauziah B Ariff

Robert E Morgan

Hitesh K Seth

Lucas Saunders Gebb

James R Shelby

Elliot Glazer

Joshua B McKay

Madhukar Madhineni

Vilayanur Parameswaran Krishnan

Lee A Wojciechowski

Stephen P Gibbons

Philip W Steitz

Jessica Zoob

Lydia C Breck

Glen Salow

Michael John Henrichs

Jeff S Fehlhaber

Tapan K Ganguly

Margaret C Mitchell

Curtis Howard

Ron Indeck

Rajiv R Prakash

Imran Shah

Robin Thomas Vetrady

Sohail M Hussain

Anant Nambiar

Gabriella P Fitzgerald

Christina Chow

Robert Wilmes

Danielle R Domenica

Robert Del Gilmore

Katie Cunningham

Jan Nunney Belt

Martin Wittwer

William Schwarz

Vicki R Mendivil

Trey Neeman

Hermes H Villalobos

Leah M Sweet

Sherry McCullough Easterwood

Pradeep Varghese George

James Walker Mathews

Lawrence J Mitsch

James Robert Rottman

James Denis Thornton

David S Bonalle

Sripriya V Tiku

Hans-Jurgen Greiner

William Bailey

Jeffrey Scott Fehlhaber

Diane Derocher

John Mark Page

Philip W Seitz

Soleil Kathleen Dolce

Edward W Swanson

Anthony R Bowen

Justin D Tobin

Lynne Biggar

Bradley Owen Matthews

Phillip W Steitz

The disclosed system may comprise a mainframe computing resource, a data library, a data processing appliance, and a distributed system. The data library may be securely connected to the mainframe computing resource. The data library may be configured to receive data from the mainframe computing resource via a first interface. The data processing appliance may be configured to read and write data to the data library via a second user interface. The distributed system may be configured to receive data from the data processing appliance. The distributed system may be further configured to process the data based on a workflow from the mainframe computing system.

Systems, methods, and apparatuses for creating a shared file system between a mainframe and distributed systems

A system and method for interconnecting multiple point of sale devices creating a mesh-like network structure which reduces connectivity costs while providing greater reliability due to multiple network paths is disclosed. By linking point of sale devices within a virtual network, the need for individual connections to a point of sale controller is eliminated and alternative network paths are provided, thereby ensuring maximum up-time and optimal connection speeds.

System and method for linking point of sale devices within a virtual network

A data deletion system may trigger and orchestrate data deletion of data across various data stores. The system may schedule a record having a unique identifier for deletion in response to a data deletion rule. The record may be deleted from a system of record based on the unique identifier. The system may broadcast a deletion message containing the unique identifier. The deletion message may trigger a purge of data associated with the unique identifier by a subscribing entity such as, for example, an application or third party. The system may monitor the subscribing entity to determine whether the purge was successfully completed.

Triggering of distributed data deletion

The present invention provides for an authenticity marker to be embedded within web page and/or email content which allows a user to validate that the content originates from the true source of the content and is not merely a copy. The method includes a user requesting content in the form of a web page and/or email from a server using a web browser or email client. The server receives the request, retrieves the content and forwards it to an authentication server. The authentication server inserts into the retrieved content a unique fractal icon and/or information only known between the owner of the content and the user.

System and method for authenticating electronic content

A nontraditional transaction device, for example a mobile device, may be employed to complete a transaction. The mobile device may utilize radio frequency (RF) communication and/or authentication to facilitate completion of a transaction. Secondary identification information, for example voice recognition data, biometric recognition data, or alphanumeric data, may be utilized for secondary end user authentication. For security reasons, the mobile device account data may transmitted after the secondary identification information is verified.

RF payment via a mobile device

Authenticating electronic content

Systems and methods for facilitating risk assessment for point of sale transactions utilizing at least one risk triggering value (RTV) is disclosed. An RTV is a condensed version of a set of complex risk data and strategies usually found in central processing sites. After receiving a request for payment authorization, a risk value is calculated for the request. The distributed processing site compares the risk value to the RTV to determine whether to authorize payment. If the risk value is less than or equal to the RTV, the payment is authorized while a risk value greater than the RTV will not be authorized. The central site calculates a new RTV for the account and distributes the new RTV to the distributed processing site.

Systems and methods for risk triggering values

A system and method for conducting electronic commerce are disclosed. In various embodiments, the electronic transaction is a purchase transaction. A user is provided with an intelligent token, such as a smartcard containing a digital certificate. The intelligent token suitably authenticates with a server on a network that conducts all or portions of the transaction on behalf of the user. In various embodiments a wallet server interacts with a security server to provide enhanced reliability and confidence in the transaction. In various embodiments, the wallet server includes a toolbar. In various embodiments, the digital wallet pre-fills forms. Forms may be pre-filled using an auto-remember component.

Methods and apparatus for conducting electronic transactions

Facilitating transactions using non-traditional devices and biometric data to activate a transaction device is disclosed. A transaction request is formed at a non-traditional device, and communicated to a reader, wherein the non-traditional device may be configured with an RFID device. The RFID device is not operable until a biometric voice analysis has been executed to verify that the carrier of the RFID equipped non-traditional device is the true owner of account information stored thereon. The non-traditional device provides a conduit between a user and a verification system to perform biometric voice analysis of the user. When the verification system has determined that the user is the true owner of one or more accounts stored at the verification system, a purchase transaction is facilitated between the verification system. Transactions may further be carried out through a non-RF device such as a cellular telephone in direct communication with an acquirer/issuer or payment processor.

Systems and methods for non-traditional payment using biometric data

A system and method for securing a Radio Frequency (RF) transaction using a RF identification device transaction device is provided. The invention uses the routing number and customer identifying information associated with a transaction account to secure a RF transaction. Specifically, the customer identifying information is included in an encrypted payload that is provided to a merchant point-of-sale device in a unused field of the RF data transmission. The routing number is provided in the ordinary field location of the data transmission typically reserved for the transaction account number. Additionally, the encrypted payload is provided in the unused field of the data transmission. The routing number is used to locate the corresponding encryption key for validating the RF transaction device, the transaction account and/or customer identifying information without the need for the reader to encrypt the customer identifying information before providing a transaction request to an account issuer.

Processing an RF transaction using a routing number

Growing community of inventors

Phoenix, AZ, United States of America

Fred Alan Bishop