text:
Having security or user identification provision (password entry, etc.)
Subclass of:
705 - Data processing: financial, business practice, management, or cost/price determination
705016000 - Including point of sale terminal or electronic cash register
Patent class list (only not empty are listed)
Deeper subclasses:
|Class / Patent application number
|Number of patent applications / Date published
|Having security or user identification provision (password entry, etc.)
|Wireless Client Transaction Systems And Related Methods
|COMMODITY SALES DATA PROCESSOR - Connection of a USB memory (storage device) to a USB port (data transmitting and receiving unit) is detected and the date and time of detection of this connection is stored. Using this detection of connection as trigger, a camera is caused to pick up an image of an area embracing a user positioned in a position where the user can operate a user interface. Picked-up image data outputted from the camera is stored together with shooting date and time.
|METHOD AND SYSTEM FOR AUTHORIZING TRANSACTIONS BASED ON DEVICE LOCATION - Aspects of a method and system for authorizing network transactions based on device location are provided. In this regard, a request may be received to approve a transaction that was initiated from a first communication device and comprises a need to access an account. In response to the request, a second communication device that is associated with the account may be determined, and it may be determined whether to approve the transaction based on received data relating to the identity and location of the second communication device. The transaction may be associated with the second communication device via a database stored on the location server. The transaction may be approved in instances that the first communication device is in a location associated, via the database, with the second communication device. The transaction may be approved in instances that the first communication device is in substantially the same location as the second communication device.
|POS Sales Transaction Safety Net - A method is provided for monitoring a register having an electronic journal associated therewith which resides on a hosting server separate from the register, and which receives records of all transactions occurring at the register. A secure, nonvolatile memory device stores sales transaction data for the register. If the memory device does not have sales transactions within a specified date range, then the memory device is marked as having been examined for transactions in the specified date range. If it is determined that the memory device does have sales transactions within the specified date range, then the memory device is marked as having been examined for transactions in the specified date range if the transaction data stored therein corresponds to the transaction data stored in the register's electronic journal for the specified date range; otherwise, a data recovery process is initiated, and a notice of the discrepancy is generated.
|PAYMENT PROCESSING SYSTEM INCLUDING POINT-OF-SALE DEVICE WITH A UNIQUE IDENTIFIER AND ASSOCIATED METHODS - A wireless communications device is for communication with a point of sale (POS) device via a secure intermediary, the secure intermediary associating a unique POS identifier with the POS device, the POS device having a merchant account associated therewith. The wireless communications device includes a receiver module, and a memory configured to store account access information for a payment account. A processor is coupled to the receiver module and the memory, and is configured to determine the unique POS identifier using the receiver module. The processor is also configured to send the account access information to the POS device using via the secure intermediary and using the unique POS identifier, so that the POS device in turn causes a transfer of funds from the payment account to the merchant account.
|AUTHORIZATION OF CARDLESS PAYMENT TRANSACTIONS - A method of processing a transaction between a customer and a merchant includes receiving from a mobile device of the customer or from another device of the customer an indication of consent to perform a cardless payment transaction with the merchant, receiving from the mobile device an indication that the customer is within a predetermined distance of the merchant, after receiving both the indication of consent and the indication that the customer is within the predetermined distance, sending to a computer system of the merchant an indication of the presence of the customer and personal identifying information for the customer, receiving data indicating a transaction between the customer and the merchant, and submitting the transaction to a financial service for authorization.
|CUSTOM DESIGNED ARTICLE VENDING MACHINE - A method of providing customized articles can include providing a kiosk. The kiosk can include a housing, a first user interface, an inventory, a printer, a drawer, and a computer, which can communicate with the first user interface, the inventory, the printer, and the drawer. The method further comprises the steps of receiving an order for a customized article, processing the order with the computer, transferring at least one article from the inventory to the printer, printing the user-selected design on the at least one article, and transferring the customized article to the drawer.
|SMARTPHONE BARCODE TRANSACTIONS - Systems and methods for processing payments using a dynamic security code are provided. An account authorization system may generate a plurality of dynamic security codes and transmit the plurality of dynamic security codes to a portable consumer device. The portable consumer device may generate a payment code comprising a transaction account number and a dynamic security code. A merchant may scan the payment code and transmit a transaction request to the account authorization system. The account authorization system may compare the transaction account number and dynamic security code in the transaction request to a transaction account number and dynamic security code stored in a database. The account authorization system may transmit an authorization message to the merchant.
|SECURE DEVICE BASED NFC TRANSACTIONS - A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server.
|SALES DATA PROCESSING DEVICE, SALES DATA PROCESSING METHOD AND COMPUTER READABLE STORAGE MEDIUM - A sales data processing device of the present invention accepts operations by an operator, opens a drawer, and is provided with a history acquisition unit, a reference information acquisition unit and an irregularity detection unit. The history acquisition unit acquires a history of operations by the operator. The reference information acquisition unit acquires, from references of standard operations set in advance for each of operations that cause the drawer to open, the standard operation references for operations specified in the history. For each of the operations specified in the history, the irregularity detection unit finds a difference from the standard operation reference acquired by the reference information acquisition unit, and if the difference is of at least a predetermined level, detects that the operation is an irregular drawer operation.
|COMMODITY ACCOMMODATION APPARATUS, COMMODITY REGISTRATION APPARATUS AND COMMODITY REGISTRATION METHOD - A commodity accommodation apparatus comprises an accommodation unit configured to accommodate commodities, a shooting unit configured to shoot an image of the interior of the accommodation unit and a sending section configured to send an identification information for specifying one's own identity and the shot image to a commodity registration apparatus.
|METHOD AND SYSTEM FOR GIVING A GIFT - A first person can give a gift by using a mobile phone or other communications device to access a central computing system to which a gift and a second person (the intended recipient of the gift) can be identified by the first person. Thereafter, the central computing system transmits a unique code to the mobile phone or other communications device of the second person. The code can then be given by the second person, verbally or by transmission or display by his/her mobile phone, to a retailer of the gift. Upon validation by the retailer, such as by communication between the retailer's point-of-sale system and the central computing system, the retailer provides the gift identified by the first person.
|Systems and methods for electronic device point-of-sale activation - The present invention is directed to systems and methods of activating an electronic device at a point-of-sale (POS). The device may be identified by an indicia and activation may occur following purchase of the device. The method may include the steps of receiving at a central processor from the POS the indicia identifying the device purchased at the POS; enabling by the central processor a feature or functionality of the device or use of the device; and conveying to the device information material to the feature, functionality, or use. The system may include a central processor that activates the device. The central processor may include various interfaces with the POS, provider, and device, as well as a database with records related to the device and an activation processor for determining if activation is appropriate, activating the device, and sending information material to the feature, functionality, or use to the device.
|Systems and Methods to Communicate with Transaction Terminals - A transaction terminal is configured with an application that is configured to present a user interface for out-of-band communication with a transaction handler during the processing of a payment transaction. The transaction handler is configured invoke the application in the transaction terminal via transmitting a predetermined code in an authorization response message.
|METHOD, SYSTEM, AND DEVICE FOR IMPLEMENTING NETWORK BANKING SERVICE - In the field of communications, a method, a system, and devices for implementing a network banking service are provided. The method includes: after an agent device establishes a connection with a Point Of Sale (POS) device, the agent device performs identification with the POS device; after successful identification, the agent device performs authentication with the POS device; after successful authentication, the agent device establishes a connection with a network banking server according to a preset address of the network banking server through wireless access to the Internet; and the agent device forwards network banking service data between the POS device and the network banking server, thereby implementing the network banking service. Therefore, it is convenient for users to use a network banking service, the functions of POS devices are simplified, and the cost of manufacturing and maintaining POS devices is reduced.
|METHOD OF MAKING MOBILE PAYMENTS TO A RECIPIENT LACKING A WIRELESS OR CONTACTLESS TERMINAL - The current invention provides a mobile payment method and a number of variations that enable a consumer to pay for a purchase from a merchant. Preferably the consumer may use a mobile device such as a smart phone to complete the transaction. With the current invention, the merchant may be capable of conducting the transaction using only an ordinary point of sale (OPOS) terminal, allowing the merchant and consumer to conduct business in a more convenient manner. The variations of the core method also significantly facilitate possible payment from the consumer to the merchant, enhancing the efficiency of the transactions.
|Device ID and Financial Information - A method including sending a device ID and financial information associated with a user of a device to a transaction device in response to receiving a transaction request from the transaction device, configuring an image capture device to capture an image of the user and send the image of the user to the transaction device, and configuring the transaction device to authenticate the financial information with the image of the user.
|Point-Of-Sale-Customer-Identification Apparatus And Method - A method is disclosed identifying a customer during a point-of-sale transaction. Within the method, a computer system may associate or link a first character string to a computing device possessed by a customer. Subsequently, the computer system may initiate a point-of-sale transaction with the customer at a point-of-sale system. In the transaction, the computer system may receive payment data from the customer and first location data from the computing device. From the payment data, the computer system may obtain a second character string. Accordingly, the computer system may identify a match between the first character string and the second character string and between the first location data and second location data corresponding to the point-of-sale system. Thus, the computer system may determine that the computing device is a proper recipient of an electronic receipt documenting the transaction and send the electronic receipt to the computing device.
|Method and System for Improved Electronic Wallet Access - A mobile payment method and system are described that facilitate efficient and secured payment transactions from an electronic wallet on a user mobile electronic device with a merchant point of sale terminal over a contactless communications link. In one aspect, the system provides for a plurality of passcode entry related states on the mobile electronic device. The mobile device transmits a transaction request message including a multi-faceted value identifying a passcode entry related state to a payment processing server. The payment processing server processes the transaction request and when the transaction request is declined for a passcode related reason, a transaction decline response is provided identifying the passcode related reason for decline.
|System, Apparatus, and Methods for Currency Processing Control and Redemption - A coin processing and redemption system includes a coin processing machine configured to receive a batch of coins in an input region and process the batch of coins to determine a value thereof. A dispensing device is provided and is configured to output a redemption ticket bearing a code. The coin processing machine is configured to associate the redemption ticket code with a coin processing transaction prior to the determination of a value of a batch of coins.
|WIRELESS POINT-OF-SALE TRANSACTION SYSTEM AND METHOD - A wireless consumer transaction system and method includes wireless equipment coupled to a point-of-sale system, whereby consumers are enabled to set up and carry out point-of-sale transactions in an automated or semi-automated manner using a wireless device. Users entering within the coverage area of the wireless equipment are prompted to conduct a point-of-sale transaction. The point-of-sale system transmits menu options to the user's wireless device. The user selects from the options provided, and is given the ability to purchase the desired goods or services in an automated manner using the wireless device. The wireless equipment of the point-of-sale system is preferably coupled to a point-of-sale computer, which is in turn coupled to a remote processing center. An automated purchase transaction may be conducted by obtaining approval and/or automatically withdrawing funds from the remote processing center in response to user-initiated activity.
|ENFORCING TIME-OUT PERIODS IN PAYMENT-ENABLED MOBILE DEVICE - A mobile device includes a housing and an antenna mounted in or on the housing for exchanging transaction signals with a point-of-sale (POS) terminal. The mobile device also includes a user interface element, a transceiver coupled to the antenna, and a secure element including processing circuitry and a secure tick counter. The secure element stores a payment application operable to conduct a pre-sign procedure selected by a user before interfacing with a point-of-sale (POS) terminal. The processing circuitry verifies the user, obtains a first tick value, sets the mobile device into a transaction-enabled state, obtains, when the transceiver is interfaced with a POS terminal, a current tick value from the secure tick counter, calculates a difference value between the current tick value and the first tick value, and enforces a risk management decision.
|COMPUTER BIOS CONTROL OF CASH DRAWER - Access to a cash drawer is controlled by way of a basic input-output system (BIOS) of an associated computer. The BIOS can provide for local user access to the cash drawer by way of password, designated keystroke, or other procedure. A local or remote user can reconfigure cash drawer access procedures, establish time clock-based scheduling, or affect other control parameters by way of graphical user interface (GUI) stored in the BIOS. Cash drawer security, management options and user convenience are improved accordingly.
|Retail Point-of-Sale System To Provide A Customized Set of Identification Data To Facilitate A Retail Sales Point-of-Sale Transaction - A retail point-of-sale system to provide a customized set of identification data to facilitate a retail sales point-of-sale transaction is provided. The retail point-of-sale system, for example, can include a plurality of retail sales point-of-sale terminals, one or more retail system computers, a database accessible by the one or more retail system computers, and a program product stored in the memory of the one or more retail system computers. The plurality of retail sales point-of-sale terminals can be positioned, for instance, at one or more retail locations and can be positioned to accept purchase transactions from purchasers of goods. The one or more retail system computers can be positioned, for example, to provide data to and from each of the plurality of remotely positioned retail sales point-of-sale terminals to thereby facilitate one or more point-of-sale transactions through each of the plurality of remotely positioned retail sales point-of-sale terminals.
|VIRTUAL POINT OF SALE TERMINAL AND ELECTRONIC WALLET APPARATUSES AND METHODS FOR PROCESSING SECURE WIRELESS PAYMENT TRANSACTIONS - Apparatuses and methods for a virtual point of sale terminal and an electronic wallet are described. One embodiment is a virtual point of sale terminal for initiating and accepting a wireless electronic payment, comprising a mobile communication device configured to communicate with a payment gateway system and a point of sale processing application installed in the mobile communications device, the point of sale processing application being configured to wirelessly transmit a request for payment of a transaction to the payment gateway system and to wirelessly receive an approval code for payment of the transaction from the payment gateway system.
|COMMODITY SALES DATA PROCESSING APPARATUS AND COMPUTER-READABLE RECORDING MEDIUM - A controller of a commodity sales data processing apparatus outputs, in response to closing operation for one transaction or bill exchange operation for instructing bill exchange, an opening command to a cash storing unit, which can be freely opened and closed to store cash and opens according to the opening command, to open the cash storing unit. The controller prohibits the opening of the cash storing unit when the bill exchange operation in the operation input unit is performed regardless of a state in which the one transaction is suspended.
|Secure Payments with Untrusted Devices
|Seller Routing Arrangements and Methods for Disparate Network Systems - Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous payment networks. A software-programmed computer circuit receives and processes electronic transaction data to identify a seller using information provided in the transaction data, and uses the identification to access seller profile information for selecting one of a plurality of networks. In this context, a seller can be identified using one of a plurality of identification approaches (e.g., different account IDs), and such identification can be used for retrieving and using electronic profile data to select a payment network for the seller, which may be completely independent from the identification. Payment data is accordingly configured so that the selected network can receive and process the data, such as by configuring the data into a network-specific format and/or communicating the data using network-specific protocols. The configured payment data is transmitted to the selected payment network, for use in effecting electronic payment for the transaction.
|Determining Point Of Sale Advertisement Effectiveness - Systems and methods are disclosed herein for characterizing the effectiveness of an advertisement displayed at a point of sale (POS). A transaction reported by a POS may identify a consumer and a transaction time as well of details such as a product purchased. The transaction time may be compared to an advertising schedule to identify an advertisement displayed adjacent the POS at the time of purchase. Transactions subsequent to identified advertisements may be analyzed to identify any increase in purchasing activity for an advertised product. Increases in purchasing activity and impressions identified in this manner for the general population or demographic groups may be aggregated to characterize an advertisement's effectiveness. Video data or transaction frequency data may be used to estimate an in-queue time for a customer in order to identify advertisement impressions.
|SYSTEM AND METHOD FOR FACILITATING A FINANCIAL TRANSACTION WITH A DYNAMICALLY GENERATED IDENTIFIER - Instead of a PIN which is associated with an account and provides access to an account, a dynamically generated card identifier (dynamic CID) is used to verify that the consumer currently possesses the transaction card at the time of purchase and/or is the true card owner. At the time of purchase, a token generates a dynamic CID, which changes with each transaction. A consumer enters the dynamic CID into a pre-existing CID field in an electronic order form. The merchant then sends the dynamic CID to a card authorization system within an authorization request. The card authorization system issues a response to a merchant system via a pre-existing authorization message indicating that the transaction card and dynamic CID have been validated, thereby adjusting the fraud risk associated with the transaction.
|INCENTIVE PROGRAM FOR POINT-OF-SALE OPERATORS - A method includes receiving point-of-sale (POS) operator identification information via a POS terminal. The POS operator identification information identifies an individual POS operator. The method further includes receiving transaction information indicative of an amount paid for a transaction and a mode of payment for the transaction. In addition, the method includes assigning incentive points to an account that belongs to the individual POS operator, based at least in part on the mode of payment and the POS operator identification information.
|CURRENCY HANDLING APPARATUS AND CURRENCY HANDLING METHOD - Currency handling apparatus comprising: accommodating unit for accommodating various kinds of currencies; a currency discharge opening; a transfer unit for transferring the currencies from the accommodating units to the currency discharge opening; a control unit for controlling the transfer unit to transfer the currencies from the accommodating units to the currency discharge opening thereby to discharge the currencies; and a storage unit for storing various kinds of discharge patterns indicating the numbers of currencies of individual kinds. The control unit is constituted to specify at least one of the discharge patterns in response to the instruction of a user and to discharge the currencies in accordance with the specified discharge pattern. As a result, the user can discharge the desired numbers of currencies of individual kinds merely by performing the simple designating operations.
|System and Method for Mobile Retail Transaction Processing - A system and method for processing retail transactions using a mobile device wherein a merchant has a mobile data processing device (such as a smart phone) into which he enters information about the transaction, then prepares a message to the processor of the transaction using a magnetic stripe reader coupled to his data processing device to provide a token which is authenticated by the processor of the transaction. The system may prepare a message regarding the transaction to a customer so that the customer may participate in the transaction, e.g., by entering an account number or PIN at his terminal, content which is used by the processor without being available to the merchant.
|CONSUMER OPERATED KIOSKS FOR PURCHASING ITEMS ONLINE AND ASSOCIATED SYSTEMS AND METHODS - The present disclosure is directed to consumer operated kiosks for purchasing items online and associated systems and methods. In one embodiment, for example, a method of making purchases online can include receiving funds (e.g., bills and/or coins) from a user at a consumer operated kiosk, and receiving online order information at the consumer operated kiosk. The online order information can be associated with a user account stored on a remote database and can include a cost of an online order from a third party merchant. The method can further include initiating transfer of at least a portion of the received funds to the third party merchant to pay for the online order.
|System and method for a private and secure payment system using a merchant sales terminal - A secure payment system between a customer and a merchant, where the sales terminal wirelessly transmits a partial payment authorization transaction record including, at least a merchant terminal identification and a payment amount, but not a customer bankcard data, for a specific sales transaction, to a wireless device of the customer. Alternatively, the sales terminal displays a partial payment authorization transaction record including, at least a merchant terminal identification and a payment amount, but not a customer bankcard data, for a specific sales transaction, for the displayed record to be captured by a wireless device of the customer.
|SYSTEM AND METHOD FOR VERIFYING USER IDENTITY INFORMATION IN FINANCIAL TRANSACTIONS - A system and method for verifying a user's identity during a point-of-sale transaction are provided. The system and method provide for applying for, receiving and verifying a financial services provider card; providing a plurality of requested biometric identification data to a financial services provider; uploading the plurality of biometric identification data of a user requested by the financial services provider via a network connected computing device to a preselected website; storing the plurality of biometric identification data in a remote server coupled to the preselected website; and using the plurality of requested biometric identification data to execute a point-of-sale transaction, wherein a merchant can verify the financial services card with the biometric identification data provided by the remote server or provided by the user via a point-of-sale terminal.
|TRANSACTION SETTLEMENT METHOD, TRANSACTION SETTLEMENT SYSTEM, TRANSACTION SETTLEMENT PROGRAM AND PROGRAM RECORDING MEDIUM - Disclosed is a security protected transaction settlement method in performing transaction settlement of sales using a register terminal. The upper limit amount that each casher who operates the register terminal can settle is preset and registered in advance. When a casher makes settlements of the sales using the register terminal, a judgment is made if the casher can settle the transaction by comparing the sales amount and the upper limit amount preset for the casher. If the sales amount is higher than the preset upper limit amount, the register terminal is disabled and the casher can settle the transaction only if an authorization code is inputted by a supervisor who has authority to settle any account in excess of the upper limit.
|PAYMENT SYSTEM TO FACILITATE TRANSACTIONS - Disclosed herein are systems and method for facilitating transactions between a merchant-partner and a customer. In general, the systems and methods include: (a) staging a transaction between the merchant-partner and the customer; (b) tokenizing the transaction by linking one or more transaction instructions to a token ID; (c) providing the customer with the token ID, wherein the customer can then present the token ID and a payment to a point-of-sale terminal; (d) receiving confirmation that the customer has presented, to a point-of-sale terminal, the token ID and a payment in accordance with the one or more transaction instructions; (e) notifying the merchant-partner that the customer provided the payment to the point-of-sale terminal; and (f) settling the transaction between the point-of-sale terminal and the merchant-partner.
|SYSTEMS AND METHODS FOR SECURE WIRELESS PAYMENT TRANSACTIONS WHEN A WIRELESS NETWORK IS UNAVAILABLE - Systems, methods, and devices are disclosed which allow a mobile device user to complete financial transactions even when the mobile device is not connected to a wireless network. The systems, methods, and devices of the present disclosure may utilizing a combination of an encrypted lockbox containing out of network payment codes on the mobile device and a matching set of out of network payment codes stored on a server of a payment authority.
|WIRELESS DEVICE OPERABLE CASH DRAWER HAVING BIOMETRIC, DATABASE, AND MESSAGING CAPABILITIES - Cash drawers that are operated by wireless devices are disclosed. In one embodiment, a cash drawer includes a network interface and a controller. The network interface enables the cash drawer to communicate with one or more wireless devices. The controller optionally controls access of the one or more wireless devices to the cash drawer based on a collection of biometric information. The collection of biometric information may be collected by the cash drawer, by the one or more wireless devices, or by an input device that is communicatively coupled to the one or more wireless devices. The collection of biometric information is illustratively used to verify an identity of a user.
|POINT OF SALE NETWORK ROUTER - Systems and methods are provided for routing data. A device is provided that includes a first data port configured to be coupled to a printer port of a point of sale system, a second data port configured to be coupled to a remote system, an optional third data port configured to be coupled to a printer, and a computing device configured to receive, via the first data port, printer control codes and receipt data from the point of sale system printer port, transmit at least a portion of the receipt data to the remote system, and optionally transmit at least a portion of the printer control codes and receipt data to the printer.
|PRINT SYSTEM FOR OUTPUTTING TRANSACTION STATEMENT - A print system allowing a user to obtain a transaction statement in a safe and easy manner is provided. For this purpose, a print system includes: a banking terminal; and a digital multi-function peripheral performing data communication with a Web server having transaction statement data and PIN code stored in association with each other, through an external network and an in-store network. The banking terminal is adapted to include an operation panel receiving a request from a user for an output of a transaction statement, and a PIN code generating unit and a receipt issuing unit for generating and outputting a PIN code in response to the received request. The digital multi-function peripheral is adapted to include an operation panel receiving the PIN code input by a user operation, a control unit obtaining transaction statement data corresponding to the received PIN code from the Web server, and a printer unit outputting a transaction statement based on the obtained transaction statement data.
|SYSTEM AND METHOD TO FACILITATE SETTLEMENT OF A TRANSACTION - Disclosed herein are systems and method for facilitating transactions between a merchant-partner and an end-user (e.g., a customer of the merchant-partner). More specifically, presented herein are systems and methods for settling a transaction between a point-of-sale terminal and a merchant-partner, wherein the point-of-sale terminal receives presentment of a payment for the merchant-partner from an end-user.
|VENDING MACHINE AND CONTROL METHOD THEREOF - A control method of a vending machine which has a display module to display an image stored therein or inputted from the outside is provided. The control method includes: determining whether a door of the vending machine is open; changing an image mode displayed on the display module if it is determined that the door of the vending machine is open; and displaying a certification mode window to certify a user if the image mode is changed.
|SYSTEM AND METHOD FOR LOCATING A MOBILE SUBSCRIBER TERMINAL WHEN ROAMING - The location of a mobile subscriber roaming outside a home network may be used to authorize a transaction initiated by the mobile subscriber or to authenticate the mobile subscriber when signing into secure accounts. The location of the mobile subscriber is determined by providing a unique mobile subscriber identifier, such as the MSISDN, to an application that communicates with the home network and the roaming network. By communicating with the roaming network, the application can determine the current location of the roaming mobile subscriber terminal with location resolution down to the specific cell in which the mobile subscriber terminal is located. The location of the mobile subscriber terminal may be saved locally in a database associated with an authorization entity, thereby advantageously reducing the number of location look-ups requested by the authorization entity.
|SYSTEM AND METHOD FOR BIOMETRICS-BASED FRAUD PREVENTION - The system employs the use of biometric authentication, a fraud control gateway and widget, and a point of sale sensor to restrict the use of credit cards or other financial tokens to authenticated actual owners of the card or token. The card or token holder will have biometric information entered into a database during an initiation or enrollment process, and subsequent uses of the card may be authenticated by comparing the biometric information of the attempted user to biometric information stored in the system. The biometric component is used for voice authentication. As part of a multi-factor security schema, the biometric authentication is combined with a series of point of sale and fraud control methods to ensure a comprehensive security umbrella for financial transactions. Both financial institution limits to transactions and consumer-preferred limits to transactions are employed.
|SYSTEM AND METHOD OF CAPTURING POINT-OF-SALE DATA AND PROVIDING REAL-TIME ADVERTISING CONTENT - A tap device is provided for mobile device payment at a point-of-sale (POS) terminal. The tap device monitors at least one communication line of the POS terminal and detects at least one data packet having transaction data. The tap device includes a trigger database having entries including pre-stored trigger data elements. A first processor compares the pre-stored trigger data elements with the transaction data. The tap device transmits the transaction data when at least a portion of the transaction data corresponds to at least one pre-selected trigger data element. The tap device includes a first receiver receiving a Quick Response (QR) code generated by a remote server in response to the transaction data. The QR code includes an encoding of the transaction data. The tap device includes a display displaying the QR code for image capture by a mobile device that decodes the captured QR code into the transaction data.
|METHOD FOR PREVENTING ILLEGAL RELOCATION AND COMMUNICATION RETRANSMISSION AND DEVICE THEREOF - A method for preventing illegal relocation and communication retransmission includes a fixed terminal arranged in an electronic equipment service area and a movable terminal arranged in the electronic equipment. The movable terminal accesses to and is registered with the fixed terminal to be bound with the same, in-place confirming communication is carried out between the movable and fixed terminals regularly or irregularly, the fixed terminal judges whether the movable terminal is located in a limited service area according to the communication transmission time, the movable terminal is not located in the limited service area and stops working and/or sends an alarm if the difference between the communication transmission time and the preset time value is larger than the set range and contrarily works normally. The defect that service areas of terminals of the electronic equipment cannot be limited in the prior art is effectively overcome by the present invention.
|SYSTEM, METHOD AND APPARATUS TO FACILITATE COMMERCE AND SALES - A system and method for conducting commerce and sales operations is disclosed. A sales representative identifies a customer, chooses a product, and completes a sales transaction using a front-end POS software application. The sales data is transferred to a central storage server, where a master database is created with the data from the front-end POS software application. The central storage server transmits and receives data from back-end corporate servers and databases and creates a master database containing data from corporate applications. The front-end POS software devices uses a holster that includes a docking station, sliding cradle for a mobile device, a card reader, and an infrared scanner to identify products and complete payment.
|PASSWORD-PROTECTED PHYSICAL TRANSFER OF PASSWORD-PROTECTED DEVICES - A method for password-protected physical transfer of password-protected devices including at a receiving location, generating at least one security file including an encrypted element generated using a one-way encryption function utilizing at least one secure code, transmitting the at least one security file to a shipping location at which the password-protected devices are located, at the shipping location, using at least one shipping location password, loading the at least one security file into at least one password-protected device, shipping the at least one password-protected device to the receiving location and at the receiving location, employing the at least one secure code to supply an input to the at least one password-protected device and employing the at least one security file to enable establishment of at least one receiving location password for the at least one password-protected device which replaces the at least one shipping location password.
|PERSONAL AUTHENTICATION - A method and system of authenticating a person is disclosed. The authentication may include verifying authenticity of the person when interacting with a point of sale system or other authenticating requesting device according to whether biometric information collected proximate in time to the authentication request sufficiently correlates with biometric information previously collected from trust sources.
|Transaction-Based Fuel Purchase Authorization - Techniques for authorizing fuel purchases based on vehicle available fuel tank capacity. The authorization may be performed on a transaction basis, such that each fueling event may be independently authorized. A current fuel tank capacity for the vehicle is obtained, and transmitted to an authorization entity. An authorization is obtained for dispensing a quantity of fuel that does not exceed the current fuel tank capacity.
|FINANCIAL TRANSACTION PROCESSING USING A MOBILE COMMUNICATIONS DEVICE - A method for configuring a mobile communication device to perform transactions using a second communication channel that is different from a first communication channel through which the mobile communication device sends voice data. The method includes attaching a secure element to the mobile communication device. The secure element includes a memory storing an application, a processor configured to execute the application stored in the memory; and a wireless transceiver configured to send transaction data associated with the executed application through the second communication channel to a terminal that is remote from the mobile communication device.
|SELF CHECK OUT USING A PORTABLE DEVICE - The present invention relates to a system and method for enabling customer self-checkout using a portable device. The system allows the customer to walk in to a retail store, check out items at the store, pay for the goods and present a proof of payment at the store exit. Thus the invention asserts the possibility of having unmanned stores and benefits the stores and the customers alike. The store benefits by not having to invest in separate space, terminal and employees for check out process, while the customers benefits by not having to wait in queue to check out their goods and pay for the same.
|PREPAYMENT SYSTEM FOR SUPPLYING WATER OR GAS BY MEANS OF A WIRELESS INTELLIGENT CARD AND METER FOR SAID SYSTEM - A prepayment system for supplying water or gas by means of a wireless intelligent card is described. The present invention also relates to a bidirectional meter specially designed to electronically record the consumption of water or gas.
|USING A MOBILE DEVICE AS A POINT OF SALE TERMINAL - A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
|ONLINE SHOPPING USING A MOBILE PAYMENT SYSTEM - A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
|ONLINE SHOPPING USING NFC AND A SECURE ELEMENT - A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
|ONLINE SHOPPING USING NFC AND A SERVER - A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
|APPARATUS AND METHOD FOR POS PROCESSING - An apparatus and method for configuring, altering, controlling, securing, and extending the processing capability and functionality of PCs and POS devices using a non-volatile memory device using software and data carried within the apparatus.
|MONEY TRANSFER SYSTEM USING PRE-FUNDED ESCROW - Disclosed herein are systems and method for facilitating money transfer transactions between a sender and a recipient. In general, the systems and methods include: (a) a point-of-service terminal (POS) receiving an initiation payment from a sender; (b) a pre-funded account that receives replenish payments from the POS; (c) a money transmitter terminal that receives a funding payment from the pre-funded account, and provides a fulfillment payment to a recipient; and (d) a centralized service provider linking the POS, the pre-funded account, and the money transmitter. In operation, the centralized service provider (1) receives presentment data, from the POS, indicating that the sender has provided the initiation payment at the POS, (2) provides a computerized notification to the money transmitter, instructing the money transmitter to provide the fulfillment payment to the recipient, and (3) facilitates the replenishment of the pre-funded account.
|METHOD AND SYSTEM FOR VALIDATING A TRANSACTION, CORRESPONDING TRANSACTIONAL TERMINAL AND PROGRAM - A method and apparatus are provided for validating a transaction on a transactional terminal, the transaction being associated with a user. The method includes a step of decoding a validation code preliminarily generated and displayed by the transactional terminal, entered by the user in a validation message, and transmitted by a mobile device of the user to an entity of a telecommunications network to which the mobile device and said transactional terminal are connected.
|METHOD AND SYSTEM FOR GENERATING A DYNAMIC VERIFICATION VALUE - A method is disclosed. The method includes generating a verification value in response to a transaction involving a portable consumer device, where the verification value is generated using a first dynamic data element and a second dynamic data element. The verification value is sent to a service provider associated with the portable consumer device so that the service provider can verify the transaction.
|FINANCIAL TRANSACTION PROCESSING USING A MOBILE COMMUNICATIONS DEVICE - A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server.
|MOBILE COMMERCE AUTHENTICATION AND AUTHORIZATION SYSTEM - The mobile commerce authentication and authorization system allows a user of a currently existing mobile wireless communications instrument to conduct financial transactions, including purchases, across a wireless communications system using location data to authorize and authenticate the user and the transaction. The location of the mobile wireless communications instrument and the location of a vendor point-of-sale device are matched with a payment sum. Authentication of the mobile wireless communications instrument user is achieved at least by application of the position and/or location determinable features of the mobile wireless communications instrument, the position and/or location of a point-of-sale device of a vendor or merchant where the instrument user seeks to purchase goods or services, and the payment sum entered on the point-of-sale device. A transaction matching subsystem located in a wireless customer server hub may assist in processing the location data and the payment sum across the wireless communications network.
|NFC TRANSACTIONS USING A SECURE ELEMENT REMOVABLY EMBEDDED INTO A SLOT OF A MOBILE DEVICE - A method for configuring a mobile communication device to perform transactions using a second communication channel that is different from a first communication channel through which the mobile communication device sends voice data. The method includes attaching a secure element to the mobile communication device. The secure element includes a memory storing an application, a processor configured to execute the application stored in the memory; and a wireless transceiver configured to send transaction data associated with the executed application through the second communication channel to a terminal that is remote from the mobile communication device.
|Systems, Methods, and Computer Program Products for Using Proxy Accounts - An electronic device including an input/output interface operable to receive an input from a user and communicate an output to the user, a transceiver operable to electronically communicate with a computer network, a computer processor operable to execute instructions, and a memory storage operable to store the instructions, the memory storage further comprising a program module that is operable to: receive credentials for a proxy payment account, where the proxy payment account is linked to a primary payment account and not linked directly to a method of payment underlying the primary payment account, and make payment at a Point of Sale (POS) using the received credentials.
|ENHANCED MOBILE APPLICATION FOR ASSISTING USERS AT A POINT OF TRANSACTION - Embodiments of the invention include systems, methods, and computer-program products that provide for an enhanced mobile application for assisting users at a point-of-transaction (POT). In one embodiment of the invention the POT assistance application program may determines that a user is conducting a transaction with a merchant. The user may utilize a user device to assist in the transaction. First, the user device may be paired with a POT system, such as a cash register. Once the devices are paired a communication link is created that allows the user to audibly and/or visually monitor the transaction using the user device. Furthermore, the user may flag an item for review during the transaction, silence the transaction, receive a subtotal for the transaction, select a payment method, or complete the transaction using the POT assistance application program.
|MULTI-ACCOUNT PAYMENT CONSOLIDATION SYSTEM - A multi-account payment consolidation system and process, including a central computer system operatively coupled to a payment terminal through a network connection. A plurality of external financial accounts are registered and associated with a user. At least one user-defined customized rule-set for processing a payment associated with the user is stored. A request to initiate payment of a transaction is received from the payment terminal. The payment is automatically processed in accordance with the customized rule-set by accessing the external financial accounts, wherein the customized rule-set directs at least a rule that the payment of the transaction be apportioned between more than one of the external financial accounts.
|KIOSK FOR RENTING SECURABLE DEVICES CONFIGURED TO OPERATE AS A POINT-OF-SALE - A system and method for assigning controlled access to a securable device may include (i) a kiosk configured to enable a user to rent a securable device from among multiple securable devices and (ii) a lock unit associated with the securable device and being in communication with the kiosk. The lock unit may further be configured to enable the user to access the securable device after being rented by the user via said kiosk. The kiosk may further be configured to enable the user to purchase goods or services in addition to rental of the securable device.
|AUTONOMOUS OPERATIONS OF SECURABLE DEVICES - A system and method for assigning controlled access to a securable device may include a kiosk configured to receive a PIN and to collect payment from a user for rental of a securable device from among multiple securable devices. A lock unit associated with the securable device and in communication with the kiosk may be configured to receive the PIN from said kiosk. After receiving the PIN, the kiosk may be configured to operate autonomously with respect to the kiosk to enable the user to access the securable device in response to the user entering the PIN into the lock unit.
|SYSTEM FOR IDENTIFYING AN INDIVIDUAL AND MANAGING AN ACCOUNT - The present invention provides a method for managing an account for an unidentified individual by communicating with the unidentified individual who is using a device to communicate which transmits an identifier associated with the origin of the communication, obtaining from the unidentified individual a group of characters associated with the unidentified individual's personal information, comparing the group of characters to a database including a plurality of personal information associated with a plurality of individuals, identifying from the plurality of individuals one individual whose plurality of personal information includes the group of characters associated with the unidentified individual, and managing an account for the identified individual in an account database.
|SYSTEM AND METHOD FOR FINGERPRINT RECOGNITION AND COLLECTION AT POINTS-OF-SALE AND POINTS-OF-ENTRY - A method of apprehending a criminal, including scanning fingerprint images from a contact area of at least one item at a point-of-sale (POS) location and/or point-of-entry (POE) location and transmitting the fingerprint images to a local or remote electronic device to identify the criminal is presented. A fingerprint recognition and collection device is also presented including a fingerprint scanner for scanning fingerprint images from a contact area of at least one item; a transmitting unit for transmitting the fingerprint images; a receiving unit for receiving the fingerprint images; and an analyzing unit for analyzing the fingerprint images to identify persons of interest. The fingerprint scanner operates concurrently with a price scanner and/or ticket scanner. The fingerprint scanner is fixedly secured at the POS location and/or the POE location and operates concurrently with the price scanner and/or ticket scanner.
|Executing Reader Application - In some implementations, a cradle for a mobile device includes an electrical interface, an antenna, and a reader module. The electrical interface is configured to connect to a port of mobile devices. The mobile device is configured to wireless communicate with a cellular network. The antenna is configured to wirelessly communicate signals with customer devices. The reader module is connected to the antenna and configured to operate as a wireless reader, using the antenna, to the customer devices and authorize transactions using the mobile device to connect to the cellular network.
|Authentication Using Transaction Codes on a Mobile Device - A system includes a processor and memory operable to store user account information. The processor receives a transaction message transmitted by a transaction device in a transaction environment, the transaction message comprising transaction data obtained by the transaction device from a transaction code presented by a mobile computing device of a user. The processor further accesses the user account information and determines, using the user account information and the transaction data from the transaction message, whether the user is authenticated. The processor transmits an authentication message indicating whether the user is authenticated to the transaction device.
|METHOD AND SYSTEM FOR CONTROLLING MOBILE DATA TERMINALS - The present invention provides a method and system for controlling a mobile data terminal, comprising: receiving an instruction execution request from the mobile POS terminal; in response to receiving the instruction execution request, determining whether the instruction execution request contains current location information associated with the mobile POS terminal; if not, executing a real-time location acquisition procedure to proactively obtain the current location information associated with the mobile POS terminal; if yes, executing a real-time location verification procedure to confirm the current location information contained in the instruction execution request; and determining whether the mobile POS terminal is located in a pre-determined region according to the current location information that has been verified or proactively obtained.
|TRANSACTION VALIDATION BETWEEN A MOBILE COMMUNICATION DEVICE AND A TERMINAL USING LOCATION DATA - A method and apparatus is provided for performing a transaction involving a mobile communication device. The method includes receiving at a terminal a transaction request from the mobile communication device over a short-range communication link. An authorization request is sent to an authorizing agent requesting approval to complete the transaction in response to receipt of the transaction request. Approval to complete the transaction is received if the mobile communication device has been determined to be located within a predetermined distance of the terminal. The transaction with the mobile communication device is only completed after receiving the approval.
|PAYMENT WORKFLOW EXTENSIBILITY FOR POINT-OF-SALE APPLICATIONS - Architecture that employs a software development kit and an add-in model to collect payment data and communicate with payment processors in a point-of-sale (POS) application to meet new requirements in new markets. Data gathered from an add-in and from the POS application can be combined and then communicated to the payment processor. The payment method can be determined and payment processing routed to different payment processors based on data and schema of data collected is also described. An add-in can also programmatically obtain information from the POS application information about a transaction and authorize a payment. A payment collecting/processing API is the interface between the POS application tender logic and payment collecting/processing logic and defines how a payment collecting/processing add-in interacts with the POS application.
|DISPENSER PROGRAMMING AUTHORIZATION SYSTEM AND METHOD FOR FRAUD PREVENTION - Methods and systems for preventing fraud by a customer at a fuel dispenser within a retail fueling environment are disclosed. According to one method, an authorization to access programming mode (AAPM) signal is received at the fuel dispenser from an authorization terminal coupled to the fuel dispenser. A request is received at the fuel dispenser to enter a programming mode of operation (PMO). The PMO is entered at the fuel dispenser to allow fuel dispenser settings of the fuel dispenser to be changed after receiving the AAPM signal and the request to enter the PMO.
|System and Method for Remote Management of Sale Transaction Data - This invention discloses a novel system and method for providing retail point of sale terminals that are connected securely over the Internet to a back-office service that manages the retailer's data as a service using a system that supports more than one retailer, each of which will have one or more point of sale terminals.
|SYSTEM AND METHOD FOR CREDIT CARD TRANSACTION APPROVAL BASED ON MOBILE SUBSCRIBER TERMINAL LOCATION - A user activity, which may be a credit card transaction or an on-line access, is approved based on the user's location at the time of the transaction or access. If the transaction or access is denied, the user may call or send a text message to the authorizing entity to permit the authorizing entity to determine the user's location. Then, the authorizing entity transmits a request to locate the user and receives location data indicating the location of the user in response thereto. If the user location is within a predetermined proximity to the location of the user activity, the user activity is authorized.
|Credit/Debit Card Secure Processing Method and System - Disclosed is a system for substantially enhancing the security and protection of a credit/debit card typically carried by consumers. The system includes administrative mainframe computers at a payment processing center capable of cooperating with a microprocessor embedded credit card, an associated cellular telephone number, a scanner with fingerprint reading means, and inputs by the cardholder. The credit/debit card used in the system comprises embedded electronic data and a means for retaining an electronic image of the thumbprint of the authorized cardholder. When presented for a purchase, and scanned at the point of sale, the scanning equipment will initiate a prompt to automatically dial the cell phone number previously registered by the card holder with the system administrator. Upon recognizing the incoming message, the cardholder enters a pre-arranged PIN into his/her cell phone, thereby uploading all security parameters for verification by the electronic equipment at the point of sale.
|Mobile Merchant POS Processing System, Point-of-Sale App, Analytical Methods, and Systems and Methods for Implementing the Same - Disclosed herein are payment systems and methods for accepting and reconciling consumer credit or debit account transactions between merchants and consumers. The described systems and methods include merchant-employee POS application software that can be downloaded onto portable communication devices such that portable POS terminals can be easily deployed into a mobile sales network. Further disclosed are security techniques that can be employed within this system analytics systems and methods for gleaning useful data from the aggregation of multiple merchant employee POS terminal sales data.
|TELEPHONE NUMBER PAYMENT SYSTEM - An automated method for enabling a customer to make a payment for goods or services using one of several possible payment choices selectable by the customer by entering the customer's mobile telephone number and a personal identification number (PIN) at a point of payment terminal and then selecting one of several possible previously entered credit card numbers or payment mechanisms. Once the payment option is selected, the point of sale terminal conducts the transaction with the selected payment option.
|SYSTEM AND ARCHITECTURE FOR MERCHANT INTEGRATION OF A BIOMETRIC PAYMENT SYSTEM - A system and method for performing authentication are disclosed. The system may include a shared central processing server, a plurality of software components each residing in a corresponding point-of-sale (POS) workstation and an identity provider service. The server may reside at a merchant location and communicate with multiple POS workstations at the merchant location. The server may be configured to receive biometric information from each POS workstation. Each software component may communicate with a biometric sensor in communication with the corresponding POS workstation to receive biometric information. The identity provider service may be configured to communicate with the server, store registered biometric information and compare biometric information received from the server with one or more of the stored registered biometric information. One of the biometric sensor, a POS workstation and the server may convert a biometric image into a biometric template for comparison with the stored registered biometric information.
|DELIVERING CUSTOMER SPECIFIED RECEIPT TYPES AT CHECKOUT - The present invention extends to methods, systems, and computer program products for delivering customer specified receipt types at checkout. A customer specifies receipt delivery preferences at a mobile device (e.g., specifying delivery of a digital receipt and/or a paper receipt at checkout). The mobile device sends the customer's receipt delivery preferences to a receipt preferences database server for storage in a receipt preferences database. During a sales transaction, a point-of-sale ("POS") system refers to the receipt preferences database (or a relevant portion thereof) to access the customer's receipt delivery preferences. Based on the customer's receipt delivery preferences, the point-of-sale ("POS") system delivers appropriate types of receipts (e.g. digital and/or paper) to the customer.
|Secure Online Push Payment Systems and Methods - Some embodiments provide a payment system that involves mobile applications, merchant Points-of-Sale (POS's), and a back-end. The back-end registers a mobile application for use by a user and a user PIN to complete a transaction via the mobile application. The back-end also registers identifiers to uniquely identify the merchant POS's. The user performs a check-in to a merchant POS by submitting the unique encoded identifier of the merchant POS to the back-end using the mobile application. The merchant can then invoice the user by selecting the corresponding check-in of that user and uploading an invoice for that check-in to the back-end. The back-end provides the invoice to the user via the mobile application. The user enters his/her PIN in the mobile application to approve payment for the transaction and the back-end completes the transfer of funds from a user account to a merchant account.
|SMART PHONE SYSTEM AND METHOD - A system and method for remediation, curing concerns, and transferring information associated with declined transactions is disclosed. The present disclosure generally relates to electronic commerce, and more particularly, to a system and method of validation and efficiency associated with electronic commerce.
|HOST TO CLIENT PAYMENT - A system and a method of electronic transactions are disclosed. The system and method allow a consumer mobile device to capture the identification of a point-of-sale device and to initialize a transaction from the consumer mobile device to a master host platform. The point-of-sale device captures purchase items following a typical tender process and provides the master host platform with detailed purchase information. The master host platform instantiates a transaction merger to combine the identification information and the detailed purchase information. The transaction merger links the specific consumer to the specific transaction at the specific point-of-sale device. Then, the master host platform sends an authorization request to a payment processing host. The master host platform provides a connection between clients: the consumer mobile device and the point-of-sale device, and establishes a common interface between the clients and the payment processing host.
Patent applications in class Having security or user identification provision (password entry, etc.)


text:
Hardy palms in zone 7
So who else is growing hardy palms in zone 7 and how long have they been in the ground? And let's see some photos!
My own palms are still small, little more than seedlings, but have done better than I ever expected in my zone 7a/b climate; in fact they have done so well that they are crowding each other out, and I will have to move a couple of them next year. I grew Trachycarpus wagnerianus from seeds planted in January 2001, and planted them in the ground in spring 2002 as very small seedlings. Growth has not been phenomenally fast, but respectable. One seedling has received minimal protection (an overturned flowerpot) on the coldest nights, but the rest have not been protected, except with mulch, since their first winter. On the other hand T. fortunei "Taylor form" came as a seedling from Plant Delights Nursery in spring 2004, and has done extremely well (but note that T. fortunei is a larger growing palm overall). My T. fortunei has not received any protection except with a heavy leaf mulch; its spear pulled both winters but it recovered rapidly each time. I have not had a spear pull on the waggies (except for one small seedling that I did not protect at all in its first winter and subsequently died).
Here's a photo of my palms from a few weeks ago; the last time I measured, the waggie on the lower left was a little over 30" in diameter:

subset: commoncrawl


text:
Media And The Social Web
Seana Mulcahy writes:
Move over, World Wide Web, and give a warm welcome to the World Live Web (WLW). Actually it's been around for many years now. Unfortunately it hasn't popped up in our beloved industry until late.
Doc Searls is the Senior Editor for the Linux Journal, the original (and still the leading) Linux publication, which was calling it the "Live Web" over six years ago. But what is it? Well a variety of elements including blogs, feeds, tags, etc. The concept doesn't deal with plain ole static Web pages; it's dynamic and ever-changing. Read more.
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Canada News
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Excellent walnut Victorian hall seat, hall tree, hall stand. Everyone calls these by different names. I prefer hall tree or hall stand.
Made around 1875 in walnut with bold and well executed carvings. Not your average form and style, this is a good one.
The umbrella hook and pan are missing but we are looking for a replacement.
Item ID: rk308
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American Antique Furniture, Woodworking Tools, Quilts, all at fair prices
American Antiques
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text:
AFI-Discovery Channel SILVERDOCS Documentary Festival has announced the competition films for the 2009 Festival, taking place June 15-22, 2009 in the Washington, DC area. Films will screen in six sections: Sterling US Feature Competition, Sterling World Feature Competition, Music Documentary, Sterling Short Film Competition, and the to-be-announced Silver Spectrum and Special Programs (check back with indieWIRE tomorrow for those lineups). Overall, the festival will present 122 films representing 58 countries selected from 1,983 submissions with seven World, three North American, 12 US, and 14 east coast premieres, plus 12 retrospective film...Read More »
EDITOR'S NOTE: This first person by Anders Østergaard originally appeared in an issue of UK newspaper The Guardian and has been republished with permission. His film "Burma VJ" is being released in US theaters tomorrow by OscilloscopeRead More »
Roadside Attractions and Liddell Entertainment have acquired the worldwide rights to Sundance premiere "Good Hair." The film, a look at the African American hair culture, won the Special Jury Prize for U.S. Documentary at the fest. Directed by Jeff Stilson and produced by HBO, "Hair" features Chris...Read More »
Shadow Distribution has acquired North American distribution rights to Chai Vasarhelyi's doc "I Bring What I Love: Youssou Ndour."Read More »
Hot Docs wrapped up its most successful festival to date this weekend in Toronto, with audience numbers reaching an estimated 122,000. This marks a rather astounding 42% increase over 2008's fest. Hot Docs, which ran April 30 to May 10, featured 266 public screenings of 171 films. A record number o...Read More »
The 2009 Hot Docs Canadian International Documentary Festival handed out their awards in Toronto tonight, at a ceremony hosted by the CBC's Jian Ghomeshi (of this fame). Simon El Habre's "The One Man Village" and Hubert Davis's "Invisible City" were the recipients of the fest's two big prizes, with ...Read More »
An eclectic range of stories - from boys' private school cliques to the history of wartime food preparation, from an often naked gang of moped riders to birdwatchers seeking the Holy Grail of (extinct) woodpeckers, North America's largest - and some say most important - documentary film festival, Ho...Read More »
As documentary filmmakers hone their pitches to industry delegates at the Toronto Documentary Forum, attempting to attract funding and interest in their projects by finding the perfect hook, they would do well to look at a number of films screening at Hot Docs, which continues through this weekend -...Read More »
The 2009 Toronto Documentary Forum - the largest doc market in North America - kicked off this morning on the campus of the University of Toronto, with hundreds of filmmakers, producers, broadcasters and distributors gathering to witness twenty-five presentations of documentary projects at various l...Read More »
The first weekend of the 16th annual Hot Docs Canadian International Documentary Festival, which opened this past Thursday, has already been marked with screenings of more than 75 programs featuring works representing over half of its impressive 171 title line up. Screenings attended have been near ...Read More »


text:
News from WTOP
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Mike Causey
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- Transforming Business Operations at the Defense Department
Lt. Gen. Bruce Litchfield, Commander, Air Force Sustainment Center
You can't teach an old dog new tricks. But you can take an old plane and modernize its systems and software to make it efficient for duty. At Tinker Air Force Base in Oklahoma they're breathing new life into older equipment. Lt. Gen. Bruce Litchfield is commander of the Air Force Sustainment Center at Tinker. He spoke with Tom Temin at the Air Force Association's Air and Space Conference and gave the Federal Drive an update on the ongoing efforts to modernize the fleet and the software behind it all. View photos and listen to interviews from the event.
Air Force needs more strategic planning to meet budget constraints
The Air Force can't afford the programs it thinks it will need over the next decade. The service's top officer says it's time to reexamine priorities, with a realistic view of the funding it will get from Congress.
Maj. Johan Lee, Outstanding Airmen of the Year
Airmen of the Year represent the best of the Air Force. Maj. Johan Lee is a space operator and flight commander for the Air Force Reserve who watches for problems that could develop anywhere on earth. He's being recognized along with his employer Booz Allen. Lee joined Federal Drive host Tom Temin at this year's Air Force Association conference and expo at National Harbor.
Ret. Gen. Craig McKinley, President, Air Force Association
If you like things that fly fast and zoom through space, the annual Air Force Association conference and exposition is the place to be. It's also the place to catch the technology and policy trends for the Air Force. Retired Gen. Craig McKinley is president of the Air Force Association. He joined Federal Drive host Tom Temin talk about this year's conference.
Maj. Kelly Barton, Chief, Airman and Family Services
Behind many of today's soldiers, sailors, airmen and marines are spouses and children. That's also the case for the Air National Guard. The Air Force provides its guardsmen with a variety of programs to ensure the quality of family life. Maj. Kelly Barton, Chief of Airman and Family Services for the Air National Guard , joined Federal Drive host Tom Temin at the Air Force Association conference to discuss the program.
Brig. Gen. John Flournoy, Air Force Reserve Command
If the last 13 years of foreign wars have shown anything, it's the importance of reserve forces. Brig. Gen. John Flournoy is commander of the 4th Air Force within the Air Force Reserve Command. He's based out of March Air Reserve Base, California. He joined Federal Drive host Tom Temin at the Air Force Association conference and expo at National Harbor.
National Guard carves out its slice of DoD cyber mission, wants teams in every state
Both the Army and Air National Guard say they are making inroads toward gaining a foothold for their state-based forces in the Defense Department's growing mission sets in cyberspace. Both services say they are training more personnel and building the guard's credibility within the Pentagon when it comes to cyber missions.
Air Force to bridge budget shortfalls by teaming with state, local governments
Air Force's new community partnership program looks to cut the costs of running bases by sharing operating and maintenance costs with the local communities in their neighborhoods.
Col. Rob Romer, Chief of the Military Force Policy Division, Air Force
Reserve officers face a continuing dilemma. They often want to stay current enough to return to active duty if needed. Yet, they also need to pursue their other professional lives. Now the Air Force is adopting a program pioneered by the Navy and Marine Corps to let them do just that. Col. Rob Romer, chief of the military force policy division, joined Tom Temin on the Federal Drive to discuss the new program.
Lt. Col. Dan Ward, Hanscom Air Force Base
Defense Secretary Chuck Hagel says DoD's fleet of A-10 jet fighters can't survive long term budget cuts. But Congress says it doesn't want to write them out of next year's defense budget, so the Pentagon needs to find a different way to pay for the fleet. On In Depth with Francis Rose, Lt. Col. Dan Ward of Hanscom Air Force Base shared a way to save the A-10 using some simple math.
Jason Miller, Executive Editor, Federal News Radio
Agencies are struggling to find a good way to ensure employees have access to only the information they are supposed to have access to. Now, one could be close to a solution. The Air Force is launching a pilot program to test role-based authentication. Federal News Radio's Executive Editor Jason Miller joined Emily Kopp on the Federal Drive with details. Read Jason's related article.
Air Force banking on role-based authentication system to lock down data
The service will test out a role-based authentication technology on an application in the MilCloud run by DISA. Frank Konieczny, the Air Force's chief technology officer, said the pilot could move into full production in six months. DoD is considering adding the role-based capability to the JIE framework.
Air Force C4I Innovation
In order to stay on the cutting edge of mission-focused innovation, the Air Force Research Lab's Information Directorate in Rome, N.Y. conducts research on matters regarding command, control, communications, cyber and intelligence, better known as C4I . On this edition of AFCEA Answers, we'll learn more about the activities of the AFRL Information Directorate from its director, George Duchak. He'll tell us how a newly-developed device that mimics the human brain - a neuromorphic computer - may someday help future Air Force officers make better and faster decisions. We'll also learn how AFRL scientists are teaming with local students to determine how to commercialize the results of their research. And, on this edition of AFCEA Answers, you can glean insights from Mr. Duchak on how to improve the acquisition of information technology.
Air Force pins its future on strategic agility'
Service's latest strategy document sees a future in which it will need to be more flexible and adaptable, including in its acquisition and personnel policies and organizational structures.
Russell Rumbaugh, Senior Associate, Stimson Center
Air Force leadership rolls out a new strategic plan today. "America's Air Force: A Call to the Future" is a 30-year plan that focuses on four key points the Air Force believes will shape the future of air power. But their plan isn't entirely a new concept. Russell Rumbaugh is Director of Budgeting for Foreign Affairs and Defense, and Senior Associate, at the Stimson Center. Russell and his colleague Barry Blechman from Stimson wrote in Breaking Defense about a concept called Strategic Agility. On In Depth with Francis Rose, he explained the connection between today's plan -- as introduced by Secretary James and General Welsh -- and the work he and Barry have done.
Military suicides rise
Suicides among active-duty military rose this year compared with the same period last year, but Pentagon officials indicate more service members are seeking help through hotlines and other aid programs. Pentagon documents obtained by The Associated Press show there were 161 confirmed or suspected suicides as of July 14, compared with 154 during the same time frame in 2013. The increase was among the Air Force and Navy, while soldiers and Marine suicides went down.
Air Force's top space official concerned about long-term industrial base support
U.S.-Russia tensions over Ukraine haven't yet impacted the flow of critical rocket engines to the U.S. space program, but that could change at any time. The military's top space official says another reason to get going on an American-made alternative is to sustain a deteriorating portion of the defense industrial base.
The F-35 gets good and bad news
The F-35 is back in business, at least on a limited basis. The military is allowing some flying capabilities. It was grounded back in June when part of the engine of a U.S. Air Force F-35 A-model broke apart and ripped through the top of a jet as it prepared for take-off. As a result, the plane will not fly in the Farnborough International Airshow in England.
Air Force to offer early retirement, buyouts to civilians
The Air Force will offer early retirement and buyouts to civilian personnel, in order to eliminate nearly 3,500 positions, officials announced Monday. The service estimates the cuts will save the Air Force $1.6 billion over the next five years.
Senate report: Billions of dollars at risk from shaky Pentagon IT programs
A new bipartisan report from the Senate's Permanent Subcommittee on Investigations called the Air Force's now-canceled Expeditionary Combat Support System "one of the most egregious examples of mismanagement by the DoD in recent memory." But the failure of ECSS may not be an aberration, the report suggested. Other enterprise-resource planning programs in the department are at risk of falling victim to the same fate.