# US 10,311,411 B2 · System, method and computer program arranged to facilitate a transaction > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 10,311,411 B2 - Document ID: US10311411B2 - Status: Granted - Kind: B2 - Application number: 14/370,744 - Filed: 2013-01-04 - Published: 2014-12-11 - Granted: 2019-06-04 - Earliest claimed: 2012-01-06 - Assignees: Einnovations Holdings Pte. Ltd. - Applicants: Smart Hub Pte. Ltd. - Inventors: Alex D. Ibasco - Web page: https://patentgrep.com/patent/US10311411B2 ## CPC - G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems - G06Q 20/02: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] - G06Q 20/12: specially adapted for electronic shopping systems - G06Q 20/16: Payments settled via telecommunication systems - G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]} - G06Q 20/354: {Card activation or deactivation} - G06Q 20/405: {Establishing or using transaction specific rules} - G06Q 30/0601: Electronic shopping [e-shopping] - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract A computing device for facilitating transactions between one or more remote devices, the device comprising a processing module arranged to interact with the one or more remote devices via a communications network and a database arranged to contain information regarding the state of one or more transaction channels in relation to an account, wherein the module is arranged to receive instructions via the communications network from the one or more remote devices and provide information regarding the state of the one or more transaction channels is disclosed. ## Claims ### Claim 1 A computing device for facilitating transactions with at least one remote device, comprising: a processing module arranged to interact with the at least one remote device via a communications network, the processing module comprises an intermediary stand-in host for a plurality of card issuers; and a database arranged to utilize Lightweight Directory Access Protocol (LDAP) and contain LDAP entry as an information regarding each state of a plurality of transaction channels in relation to a card account, wherein when the at least one remote device sends a transaction to change a state of at least one transaction channel from among the plurality of transaction channels, a card issuer is operable to forward the transaction to the processing module without tracking the state of the at least one transaction channel, and the processing module is operable to receive the transaction from the card issuer, modify the LDAP entry regarding the state of the at least one transaction channel from among the plurality of transaction channels based on the transaction and create a timer that expires in a predetermined period, wherein once the timer expires, the processing module is further operable to modify the LDAP entry regarding the state of the at least one transaction channel, in order to restore the state of the at least one transaction channel. ### Claim 2 (depends on 1) The computing device in accordance with claim 1, wherein the processing module is arranged to receive instructions from the plurality of card issuers. ### Claim 3 (depends on 2) The computing device in accordance with claim 2, wherein at least one card issuer is a telecommunications operator. ### Claim 4 (depends on 1) The computing device in accordance with claim 1, wherein the processing module is arranged to receive instructions from at least one card acquirer. ### Claim 5 (depends on 1) The computing device in accordance with claim 1, wherein the database is updated via the communications network on a periodic basis. ### Claim 6 (depends on 2) The computing device according to claim 2, wherein the processing module is further operable to receive request to change a state of an at least one relatively unsecured transaction channel of the plurality of transaction channels from a first state to a second state. ### Claim 7 A system arranged to interact with at least one remote device via a communications network comprising: a server including a database arranged to utilize Lightweight Directory Access Protocol (LDAP) and contain LDAP entry as an information regarding each state of a plurality of transaction channels in relation to a card account, the server comprises an intermediary stand-in host for a plurality of card issuers, wherein when the at least one remote device sends a transaction to change a state of at least one transaction channel from among the plurality of transaction channels, a card issuer is operable to forward the transaction to the server without tracking the state of the at least one transaction channel, and the server is operable to receive the transaction from the card issuer, modify the LDAP entry regarding the state of the at least one transaction channel from among the plurality of transaction channels based on the transaction and create a timer that expires in a predetermined period, wherein once the timer expires, the server is further operable to modify the LDAP entry regarding the state of the at least one transaction channel, in order to restore the state of the at least one transaction channel. ### Claim 8 (depends on 7) The system in accordance with claim 7, wherein the server is arranged to receive instructions from the plurality of card issuers. ### Claim 9 (depends on 8) The system in accordance with claim 8, wherein at least one card issuer is a telecommunications operator. ### Claim 10 (depends on 7) The system in accordance with claim 7, wherein the server is arranged to receive instructions from at least one card acquirer. ### Claim 11 (depends on 7) The system in accordance with claim 7, wherein the database is updated via the communications network on a periodic basis. ### Claim 12 (depends on 8) The system in accordance with claim 8, wherein the server is further operable to receive request to change a state of the at least one relatively unsecured transaction channel of the plurality of transaction channels from a first state to a second state. ### Claim 13 A method for facilitating transactions with at least one remote device, comprising the steps of: sending, by the at least one remote device, a transaction to change a state of at least one transaction channel from among a plurality of transaction channels; forwarding, by a card issuer, the transaction to a server without tracking the state of the at least one transaction channel; receiving at the server the transaction from the card issuer, wherein the server is an intermediary stand-in host for a plurality of card issuers, and the server includes a database utilizing Lightweight Directory Access Protocol (LDAP) and containing LDAP entry as an information regarding each state of the plurality of transaction channels in relation to a card account; modifying, by the server, the LDAP entry regarding the state of the at least one transaction channel from among the plurality of transaction channels based on the transaction; creating, by the server, a timer that expires in a predetermined period; and once the timer expires, modifying, by the server, the LDAP entry regarding the state of the at least one transaction channel, in order to restore the state of the at least one transaction channel. ### Claim 14 (depends on 13) A computer program, including at least one instruction capable of being executed by a computing system, which implements the method in accordance with claim 13. ### Claim 15 (depends on 14) A non-transitory computer readable medium including the computer program in accordance with claim 14.