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Including point of sale terminal or electronic cash register

Subclass of:

705 - Data processing: financial, business practice, management, or cost/price determination

705001000 - AUTOMATED ELECTRICAL FINANCIAL OR BUSINESS PRACTICE OR MANAGEMENT ARRANGEMENT

Patent class list (only not empty are listed)

Deeper subclasses:

Class / Patent application numberDescriptionNumber of patent applications / Date published
705017000 Having interface for record bearing medium or carrier for electronic funds transfer or payment credit 268
705021000 Interconnection or interaction of plural electronic cash registers (ECRs) or to host computer (e.g., network detail, transfer of information from host to ECR or from ECR to ECR, etc.) 159
705018000 Having security or user identification provision (password entry, etc.) 59
705023000 Input by product or record sensing (weighing, scanner processing) 49
705024000 Specified transaction journal output feature (e.g., printed receipt, voice output, etc.) 29
705020000 Price look-up processing (e.g., updating) 20
705019000 Tax processing 19
705022000 Inventory monitoring 16
705025000 Specified keyboard feature 1
20110022488FRANCHISE ADD-ON SYSTEM, USER OPERATION TERMINAL AND MANUFACTURER'S MANAGEMENT DEVICE USED THEREFOR, AND COMPUTER PROGRAM USED THEREFOR - A user operation terminal 01-27-2011
Entries
DocumentTitleDate
20130211933TRANSACTION AUTHENTICATION WITH A NON-MSISDN ID AND AUTHORIZATION BY COMMUNICATING WITH A CONSUMER DEVICE - A computer-based method of managing electronic transactions is described. A plurality of consumer accounts is stored in a data store, each consumer account having a first consumer account identifier. A second consumer account identifier is received in a point-of-sale device. A charge request including an amount and a second consumer account identifier is received, wherein the second consumer account identifier is not an MSISDN. A selected one of the consumer accounts is identified by associating one of the first consumer account identifiers with the second consumer account identifier. An authorization request is transmitted to a consumer device. An response to the authorization request is received from the consumer device, and the charge request is processed based on an account detail of the selected consumer account, wherein the charge request is processed if the response is the authorization response.08-15-2013
20110178885System and Method for Universally Managing and Implementing Rating Systems and Methods of Use - A system and method for universally managing and implementing rating systems and methods of use are provided that provides attributes that are not present in the typical commerce rating and customer relationship management systems. The rating system provides a business product (or family of products), which are designed to be centrally managed, universal, and comprehensive for the purpose of reviewing and rating commerce for individuals and businesses.07-21-2011
20110184819AUDIBLE TRANSACTION PROCESS AND SYSTEM - Systems, methods, and computer program products are provided for assisting a consumer during a transaction with a vendor at a point of sale by providing transaction information to the consumer in an audible format. The system includes a consumer device and a payment terminal located proximate the point of sale. The consumer device, either a mobile device carried by the consumer or an immobile device also located proximate the point of sale, communicates with the payment terminal and receives transaction information such as product identity or amount information. The consumer device then produces sound waves audible to the consumer based on the communicated transaction information using one or more private and/or public listening devices. This audible transaction process can be performed automatically during a transaction or can be implemented based on consumer preference.07-28-2011
20110184818TRUTH SIGNALS - A method and apparatus for paying for an existing report are provided. In the method, an existing report for which a first structure of entities is identified is received. Thereafter, a set of other reports for which respective second structures of entities are identified is received. A weighting for other reports in the set of other reports is assigned, based on the respective structures. A payment for the existing report is extracted based on the weighting, a selected scoring rule, and the set of other reports.07-28-2011
20090192902VERTICALLY MOUNTED PRODUCT LOAD SENSOR FOR A RETAIL CHECKOUT STATION - A retail checkout station includes a housing having at least a front wall that defines a first substantially vertical surface, a first side wall that defines a second substantially vertical surface, and a second side wall that defines a third substantially vertical surface. A product scanning portion is provided at the housing. The product scanning portion includes a scanning device for scanning products purchased by a consumer. A user interface portion having a display is also provided at the housing. The retail checkout station further includes a product load sensor mounted to one of the first, second and third substantially vertical surfaces of the housing.07-30-2009
20110196754Systems and Methods Facilitating Mobile Retail Environments - An automated system for facilitating sales in dynamically-changing mobile retail environments includes a vendor/supplier connector module, a carrier connector module, a provisioning module, and a point-of-sale (POS) customization module. The vendor/supplier connector module facilitates automated exchange of product data with a plurality of different vendors or suppliers of products or services. The carrier connector module facilitates automated exchange of transportation data with a plurality of different carriers, with the transportation data corresponding to specific mobile retail environments. The provisioning module automatically determines, based on the product data and on the transportation data, products or services corresponding to a specific mobile retail environment. The POS customization module automatically generates re-configuration data for each of a plurality of POS interfaces. The re-configuration data limits each of the plurality of POS interfaces to facilitating sales of only the subset of the set of products or services that corresponds to a specific mobile retail environment.08-11-2011
20110196753System and method for immediate issuance of an activated prepaid card with improved security measures - A system and method for immediate issuance of a prepaid transaction card having increased security measures. The identity of the applicant is verified and checked against a database in accordance with Customer Identification Program, Sarbanes-Oxley and the USA Patriot Act in real time. Authorized applicants receive a printed prepaid debit card bearing name and photograph immediately at the point of sale.08-11-2011
20110202413Monitoring a Plurality of Merchant Gateway Devices - A multiservice merchant gateway (MMG) is disclosed. The MMG allows point of sale terminals and other devices to be interfaced with a wide area network, thereby improving speed and service to terminal owners and users, allowing for more efficient systems on merchant premises, and also allowing the merchant to provide and/or utilize various additional features and services. Support infrastructure for configuring MMGs, managing MMGs, and providing related services are also disclosed.08-18-2011
20110202412TOUCHLESS AND TOUCH OPTIMIZED PROCESSING OF RETAIL AND OTHER COMMERCE TRANSACTIONS - A computer implemented method for reducing input performed in a commerce based application is provided. The method includes receiving a sequence of input values from an input device and associating the sequence of input values with an object in the application based on the sequence. A context of the application is determined One or more tasks in the application are automatically performed based on the object, the context and the sequence of input values.08-18-2011
20120246018POINT OF SALE PAYMENT SYSTEM - A method for point of sale payments includes receiving, from a seller device over a network, payment information. The payment information is associated with payment code information in a database. The payment code information is then sent to the seller device over the network for posting at a service location. The payment code information is then captured by a payer device at the service location and transmitted over the network. The payment information is then retrieved from the database using the associated payment code information. The payment information is then sent to the payer device over the network. A payment confirmation is received from the payer device over the network and, in response, a payment from a payer account to a seller account is initiated and the payment information and an indication of the payment confirmation is sent to the seller device over the network.09-27-2012
20130080272Transaction device and processing system - According to some embodiments, a transaction device for performing a transaction between a customer and a merchant comprises a transaction module and a point of sale interface. The transaction module is operable to receive, from the customer, a selection of a first account from among a plurality of accounts, wherein the selection of the first account is received from the customer when the customer is located at a facility associated with the merchant. The transaction module also obtains an account number associated with the first account, each account of the plurality of accounts being associated with an account number. The point of sale interface is operable to transmit a transaction request to a point of sale receiver associated with the merchant, the transaction request comprising the account number associated with the first account.03-28-2013
20130080274DELIVERY OF INFORMATION SERVICES TO PERSONAL DEVICES - A transaction processing system for sending user information data to a personal device, and an associated method are provided. The system comprises: a personal device, such as a balance display card; an interface device, such as a card reader for transmitting data to and from the card; a communications network connecting to the interface device; an issuer processor connected to the communications network; and a trusted network processor (TNP) processor connected to the communications network, interposed between the interface device and the issuer processor. The TNP processor is arranged to receive a transaction request message from a card user and to transmit a response message back to the personal device, the response message typically being a transaction authorization together with information for display on the card. The TNP processor is arranged to identify, dependent on properties of the transaction request message, whether the associated response message will require data to be sent to the user information device, and if so identified, to: route the transaction request message to the issuer processor using a standard message; receive the required data from the issuer processor using another standard message; match the received required data to the original request; generate an appropriate response message and script containing the required data; and transmit the response message back to the personal device thereby making the required information known to the user.03-28-2013
20130080270Transaction device and processing system - According to some embodiments, a transaction device for performing a transaction between a customer and a merchant comprises an account selection engine and a communication link. The account selection engine operable to receive information identifying at least one characteristic of a proposed transaction, identify a plurality of accounts associated with the customer, and select a first account from among the plurality of accounts based on the at least one characteristic. The communication link is operable to transmit identification of the first account to a point of sale interface of a transaction device, the point of sale interface operable to transmit a transaction request to a point of sale receiver associated with the merchant, the transaction request comprising an account number associated with the first account.03-28-2013
20130080273Systems and Methods for Facilitating Communication Between a Point of Sale Device and a Consumer Device - Embodiments of the disclosure can include systems and methods for facilitating communication between a point of sale device and a consumer device. In one embodiment, a computer-implemented method for communicating with a consumer device at a point of sale (POS) can be provided. The method can include establishing, by a merchant POS device, communication with the consumer device at the point of sale; collecting, by the merchant POS device, transaction-related information from a payment application associated with the consumer device; determining, by the merchant POS device, that the collected transaction-related information does not include both payment-related information and value added services (VAS) information associated with one or more VAS; and collecting, by the merchant POS device based at least in part upon the determination, second transaction-related information from a second payment application associated with the consumer device.03-28-2013
20130080271Transaction device and processing system - According to some embodiments, a transaction processing system for evaluating transactions between a customer and a merchant comprises a transaction tracker, an account selection engine, and a performance module. The transaction tracker is operable to identify a transaction executed by a customer using a transaction device, the transaction device being operable to execute a transaction with a point of sale receiver associated with the merchant by providing an account number for a first account of the plurality of accounts. The account selection engine is operable to receive information identifying at least one characteristic of the transaction and select a recommended account based on the at least one characteristic. The performance module is operable to compare the first account with the recommended account to determine whether the customer would have received a financial benefit by executing the transaction using the recommended account instead of the first account.03-28-2013
20130036017Financial card for online fund transfer and method therefor - Disclosed is a financial card comprising of at least a user identification means including but not limited to a fingerprint recognition scanner and at least a data transfer protocol, and optionally an iris pattern scanner. Also disclosed is a method for transferring funds from a first financial card to a second financial card comprising (a) activating at least one of said first and second financial cards by an user identification means including but not limited to a provided finger print recognition scanner, and upon successful verification of the user's identity; (b) engaging the data transfer protocol.02-07-2013
20120265625METHOD AND SYSTEM FOR IMPLEMENTING A CARD PRODUCT WITH MULTIPLE CUSTOMIZED RELATIONSHIPS - According to one embodiment, the present invention relates to a method and a system for implementing a card product or access mechanism with multiple relationships with an issuing entity (e.g., bank, etc.) where each relationship may be defined by one or more sets of rules that are customized for a particular customer. A computer implemented method and system for implementing a mechanism with multiple customized relationships may involve identifying one or more customized rules for an access mechanism associated with a customer; establishing a plurality of accounts for the customer wherein the plurality of accounts comprise different accounts with different account characteristics; and invoking one of the plurality of accounts for a transaction through the access mechanism, based at least in part on the one or more customized rules; wherein the plurality of accounts share at least one funding account.10-18-2012
20130041766Method and System for Providing a Distributed Adaptive Rules Based Dynamic Pricing System - A system for providing distributed control to process transactions is disclosed, including a service provider system, a point of service device, and a portable device. The service provider system, point of service (POS) device, and portable device each have a plurality of rules and a number of meta-rules. The portable device is used with the POS device to conduct a transaction. If the portable device is unable to determine the outcome for the transaction, the portable device determines whether its rules may be altered locally to determine the outcome, or request the POS device to help determine the outcome. If the POS device is unable to determine the outcome, the POS device determines whether its rules can be altered locally in order to determine the outcome, or request the service provider system to help determine the outcome using the rules and meta-rules associated with the service provider system.02-14-2013
20090157516SMART DATA FILTER FOR POS SYSTEMS - The inventive system and method for processing transactional data in a point of sale environment that has a video device, a POS terminal and an end recording device comprises a configuration tool, and a filtering unit having a filter comprising subfilters for filtering transactional data, such that the configuration tool creates the filter. The configuration tool can create and/or modify the filter based on user input, and this input can be through a web interface. In the alternative, the system also has at least one pre-defined set of rules accessible through a web interface, such that the configuration tool uses one of the pre-defined sets of rules to create the filter.06-18-2009
20130046643POINT OF SALE PROCESSING INITIATED BY A SINGLE TAP - Point of sale processing of multiple options is possible with a single tap of a contactless device. The user taps the contactless device in the device reader's radio frequency field. The device reader and the contactless device establish a secure communication channel. Once a secure communication channel is established, the device reader communicates the purchase to the contactless device. The contactless device presents value-added services available to the user. The contactless device communicates the user's selected value-added service(s) to the device reader, and the reader communicates the purchase price of the transaction. The contactless device communicates payment options to the user and then communicates the user-selected payment options to the device reader. The device reader communicates a digital receipt to the contactless device, and the secure communication is terminated.02-21-2013
20130030932CASH REGISTER AND CASH PROCESSING APPARATUS - According to one embodiment, a cash register, that includes an input unit and is connected with a cash processing apparatus having a power control unit for turning on or off the power supply of each unit, comprises a power-on unit which turns on the power supply of the cash processing apparatus using the power control unit after the category of a commodity is input through the input unit.01-31-2013
20130030931Method and System for Location Based Hands-Free Payment - Certain aspects of a method and system for location based hands-free payment may include a network that comprises a plurality of mobile devices and a plurality of point of sale devices. A first mobile device may determine its location coordinates and communicate them to a selected point of sale device. An authorization to execute a payment transaction may be triggered on the first mobile device when it is within a defined proximity of the selected point of sale device. In another embodiment of the invention, a first point of sale device may determine the location coordinates of a selected mobile device and trigger a notification based on a generated geo-fence when the selected mobile device is within a defined proximity of the first point of sale device.01-31-2013
20130030930MANAGING CONSISTENT INTERFACES FOR A POINT OF SALE TRANSACTION BUSINESS OBJECT ACROSS HETEROGENEOUS SYSTEMS - A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by providing consistent interfaces that are suitable for use across industries, across businesses, and across different departments within a business during a business transaction. In some operations, software creates, updates, or otherwise processes information related to a point of sale transaction business object.01-31-2013
20110016007METHOD AND APPARATUS FOR MANAGEMENT OF ELECTRONIC RECEIPTS ON PORTABLE DEVICES - A system for managing electronic receipts is provided. According to one aspect, the system includes a portable device, a base device, a user device and an electronic receipts administration system. The electronic receipts administration system provides the base device with the appropriate data to allow the base device to generate, store and manage electronic receipts accordingly. A user uses the portable device to conduct a transaction with the base device. The base device uses a variety of information to generate an electronic receipt for the transaction. Such information includes, for example, information stored on the portable device, information stored locally on the base device and information stored on another device such as an electronic cash register. The electronic receipt is then stored on the portable device. The user device allows the user to subsequently retrieve the electronic receipt for management purposes.01-20-2011
20130073403METHOD FOR ACTIVATING SERVICES ASSOCIATED WITH A PRODUCT VIA A SERVICE CENTER SUPPORTING A VARIETY OF PRODUCTS - A service center receives a request for activating a subscribed service on a first device that has been registered with the service center, where the service center provides services to a plurality of products on behalf of a plurality of product providers. In response to the request, device information about the registered first device is retrieved from an internal database, where the device information was collected when the first device was registered with the service center. Subscription information including credentials of a user who has subscribed the subscribed service is obtained for authentication. The device information and the credentials are transmitted to a service provider that provides the subscribed service to allow the service provider to activate the subscribed service on the first device, without having the user to directly contact the service provider for activating the subscribed service.03-21-2013
20130060647OVER THE AIR UPDATE OF PAYMENT TRANSACTION DATA STORED IN SECURE MEMORY - A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. The invention enables the updating, correction or synchronization of transaction data maintained by an Issuer with that stored on the device. This is accomplished by using a wireless (cellular) network as a data communication channel for data provided by an Issuer to the mobile device, and is particularly advantageous in circumstances in which the contactless element is not presently capable of communication with a device reader or point of sale terminal that uses a near field communications mechanism. Data transferred between the mobile device and Issuer may be encrypted and decrypted to provide additional security and protect the data from being accessed by other users or applications. If encryption keys are used for the encryption and decryption processes, they may be distributed by a key distribution server or other suitable entity to a mobile gateway which participates in the data encryption and decryption operations.03-07-2013
20090271276ELECTRONIC PAYMENT SYSTEM - The specification and drawing figures describe and show a system for making a payment across a point-of-sale device that includes at least one a payment instrument having financial data required to conduct a financial transaction across a credit network. The system also includes a mobile wireless instrument having a data processor operatively connectable to the point-of-sale device and to the payment instrument. At least one algorithm is provided for transmitting the financial data from the payment instrument to the data processor of the mobile wireless instrument, and for decrypting an encryption key, as well as transmitting an instruction from the mobile wireless instrument to the point-of-sale device to authorize the payment.10-29-2009
20120226565Method and apparatus for payment with mobile device at point of sale terminal - A method and apparatus for payment with mobile device at point of sale (POS) terminal are proposed, where said apparatus is comprised of a microprocessor which connects to POS terminal as a payment console and communicates with said POS terminal via protocols developed for payment consoles; said apparatus also has an additional connection to internet via which the apparatus communicates with services supporting its function. The mobile device operated by a user captures a public token exposed by said POS terminal and communicates with the supporting internet services, which validate said mobile device, authenticate the mobile device owner, validate the POS terminal, and establish link between said mobile device and said apparatus. As said link is established, in response to the payment request sent by said POS terminal to said apparatus, said apparatus communicates payment details with said mobile device, said user authorizes the payment on said mobile device, and the transaction gets executed by a money processor as with regular payment console.09-06-2012
20130066734TRANSACTION RECORD GENERATION AND STORAGE - Embodiments of the present invention relate to an electronic transaction and more particularly to a method for generating and storing a record of a financial transaction in an electronic format. In one embodiment, a purchaser selects data relating to the purchaser to be included in the financial transaction record. The purchaser data that is selected is retrieved, along with any additional information to be included in the financial transaction record relating to the transaction. An electronic record of the financial transaction is generated based on the retrieved data. The electronic record of the financial transaction is stored in a database.03-14-2013
20130066733ELECTRONIC NEGOTIATION IN A REAL-WORLD ENVIRONMENT - A system for enabling a retail transaction between a brick-and-mortar retailer and a customer, comprising: a mobile device including an application operated by the customer while physically present in the brick-and-mortar retailer, wherein the application is designed to obtain product information about a product and offer information from the customer including a proposed price for the product; a user information aggregation server designed to receive the product information and the offer information from the application on the mobile device and augment the product information and offer information with information about the customer, and to forward the product information, offer information, and customer information to a decision server; and further designed to receive a decision as to whether the offer has been accepted by the decision server, wherein the decision is at least partially based on the customer information, and to notify the customer.03-14-2013
20130066732METHOD AND SYSTEM FOR IMPLEMENTING MOBILE TRANSACTION SOLUTION BASED ON EARLY MEDIA DYNAMIC CONTENT GENERATION - A mobile transaction system comprising: a user's mobile phone, a mobile network of any provider, a transaction device equipped with a microphone, a transaction processing center with dynamic early media generation capability and with the capability of communicating with the mobile network, wherein, upon a mobile phone user's call through the mobile network to the transaction processing center, the transaction processing center detects the call and, instead of answering the call, starts transmitting user identification data as a dynamically modulated signal through an early media connection to the mobile network and further to the user's mobile phone; wherein, the speaker of the user's mobile phone reproduces the modulated signal, which is then captured by the transaction device through the microphone.03-14-2013
20110022482PAYMENT TERMINAL USING A MOBILE COMMUNICATION DEVICE, SUCH AS A MOBILE PHONE; A METHOD OF DIRECT DEBIT PAYMENT TRANSACTION - A payment terminal using a mobile communication device, such as a mobile phone, is located on a removable memory card (01-27-2011
20110022481METHODS AND APPARATUS FOR PREVENTING FRAUD IN PAYMENT PROCESSING TRANSACTIONS - A method includes receiving an authorization request for a purchase transaction, and determining whether the authorization request arose from proximity-reading a proximity payment device. The method further includes mapping a first account number included in the authorization request into a second account number associated with the first account number if it is determined that the authorization request arose from proximity-reading a proximity payment device and if the first account number is qualified for mapping. In addition, the method includes transmitting the authorization request to an issuer financial institution with the second account number substituted for the first account number in the authorization request.01-27-2011
20120116901SYSTEMS AND METHODS FOR RISK TRIGGERING VALUES - 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.05-10-2012
20120116900SYSTEMS AND METHODS FOR RISK TRIGGERING VALUES - 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.05-10-2012
20120197741ADJUSTMENT OF A SECURITY LEVEL OF A SELF-CHECKOUT SYSTEM BASED ON SHOPPER ASSISTANT INTERVENTION - Methods and systems for adjusting a security level of a self-checkout system based on shopper assistant intervention are disclosed. According to an aspect, a method includes deducing that shopper assistant intervention occurs in a self-checkout environment based on detection of one or more events in a self-checkout system. The events may occur at shopper terminals of the self-checkout system and may require attention of a shopper assistant monitoring the shopper terminals. The method also includes adjusting a security level of the self-checkout system in response to deducing that shopper assistant intervention occurs. Further, the method may include implementing a predetermined action in response to adjusting the security level of the self-checkout system.08-02-2012
20120271723ELECTRIC VEHICLE (EV) RANGE EXTENDING CHARGE SYSTEMS, DISTRIBUTED NETWORKS OF CHARGE KIOSKS, AND CHARGE LOCATING MOBILE APPS - Systems and method are provided for providing auxiliary charge to a main battery of an electric vehicle. One system includes an auxiliary battery for holding a plurality of charge units, the auxiliary battery being connectable to the main battery of the electric vehicle, the plurality of charge units being rechargeable and being replaceable from within the auxiliary battery, such that replacing particular ones of the plurality of charge units with charge units with more charge increases a total charge of the auxiliary battery. Kiosks for storing a plurality of charge units. A display in the kiosk for an interface for enabling transactions to provide or receive charge units to customers, and a central processing center that communicates with a plurality of said kiosk over a network and a plurality of vehicles, The plurality of vehicles are provided with access to availability information of charge units at each of said kiosks.10-25-2012
20130166398SYSTEM AND METHOD FOR IMPLEMENTING A CONTEXT BASED PAYMENT SYSTEM - Disclosed herein is a context based payment system. Electronic currency or coupons can be made dependent on context, and the context can be one of location or geography, time, date, distance, sound, or other devices. The value of the currency exists only if a pre-condition is fulfilled. For example, if the currency is location dependent, the value only exists in a defined area (currency value area). The goods or the service in the value-system are also context dependent, that is, they can only be sold or offered in a defined area (product value area). Accordingly, if the product value area and the currency value area overlap, a purchase and payment can be made.06-27-2013
20130166399METHOD FOR TRANSFERRING RICH COUPONING AND ADVERTISING CONTENT AT THE POINT OF SALE INITIATED BY A SINGLE NFC TAP - A method for wirelessly transferring information between a mobile device and a retailer is disclosed. The retailer receives communication protocol information from a mobile device via a NFC communication link between the retailer and the mobile device. The retailer determines a best fit match between communication protocols available to the retailer and available communication protocols received from the mobile device other than the NFC communication link. The retailer sends content information to the mobile device using the best fit match determined by the retailer.06-27-2013
20130166400CASH REGISTER COMMUNICATION INTERFACE DOCK - A dock comprises a communication interface to communicate with a portable electronic device having a user input interface. The dock additionally includes a cash register communication interface to communicate with a cash register.06-27-2013
20130166401REAL TIME INTEGRATED SHOPPING SERVICE - A restaurant service monitors order status of member restaurants in near real time using a network of on-site service appliances disposed at the member restaurants. In addition, the on-site service appliances can be integrated with member restaurant point-of-sale systems to provide near real time updates to restaurant menus as they are made in the point-of-sale systems.06-27-2013
20120089468Lottery Ticket Purchase Apparatus And Method - A mobile communication device configured with an application and short-range wireless hardware to create a temporary connection with a lottery point-of sale ticket system in order for a player to purchase a lottery game ticket at a remote, but proximate location local to an authorized lottery retailer. A method by which a lottery ticket may be purchased is disclosed. The apparatus and method readily applies to remote purchase of goods or services while a buyer is local to a store having a terminal offering goods or services for sale.04-12-2012
20110125597SECURE PAYMENT CARD TRANSACTIONS - Payment card transactions at a point of sale (POS) are secured in certain embodiments by intercepting, with a POS security layer installed on a POS terminal, payment data from the POS terminal, transmitting the payment data from the POS security layer to a server security application installed on a POS server, and providing false payment data from the POS security layer to a POS terminal application installed on the POS terminal. The false payment data in various embodiments is processed as if it were the payment data, such that the POS terminal transmits an authorization request to the POS server using the false payment data. In addition, the authorization request may be transmitted from the POS server to a payment gateway.05-26-2011
20110022480Loss Prevention At Point Of Sale - Loss prevention at a point of sale (‘POS’) with POS apparatus including a microphone, a speech to text converter, a POS transaction module, a POS transaction log, and a POS security module, also including storing, by the POS transaction module in the transaction log for commercial transactions at the POS, information describing each transaction, including capturing for each transaction, into the transaction log through the microphone and the speech to text converter as text, speech utterances of transaction participants; identifying by the POS security module a risk of loss in dependence upon the information stored in the transaction log including the captured speech utterances; and notifying by the POS security module the store manager of the identified risk of loss.01-27-2011
20120290418MERCHANT ORDERING SYSTEM USING OPTICAL MACHINE READABLE IMAGE REPRESENTATION OF INVOICE INFORMATION - A system and method for assisting ordering and payment processing of an order invoice associated with a product selected by a customer. The system comprises collecting product data about the product and generates the order invoice information for use by at least an accounting system of the merchant. The system receives symbology information in an aggregated barcode associated with the order invoice, the symbology information including at least a portion of the order invoice information encoded using a coding scheme of a barcode. The system provides an image of the aggregated barcode to the customer for use in generating a transaction request for settlement of the order invoice, and receives a transaction response indicating transaction approval or transaction denial of the order invoice.11-15-2012
20130024301METHOD AND APPARATUS FOR MONITORING USAGE OF ITEMS - A system that incorporates teachings of the present disclosure may include, for example, a device having a memory and a processor coupled to the memory. The processor can be operable to transmit a radio frequency signal directed to a radio frequency identifier tag carried by a first item, receive usage information from the radio frequency identifier tag, determine a measure of wear and tear of the first item from the usage information, compare the measure of wear and tear to a threshold, detect from the comparison a state of usage of the first item, and submit a notice representative of the state of usage of the first item. Other embodiments are disclosed.01-24-2013
20130024300MULTI-STAGE FILTERING FOR FRAUD DETECTION USING GEO-POSITIONING DATA - A multi-stage filtering process and system for fraud detection is disclosed. The process includes one or more preliminary filtration stages followed by one or more additional filtration stages that provide for enhanced screening for fraudulent activity. Over a plurality of transactions, a portion of the transactions are cleared for processing (e.g., deemed not likely fraudulent or of too low value to continue processing) after each filtration stage. As such, acceptable transactions are not unnecessarily scrutinized. Methods include receiving transaction data; filtering the transaction data based on a first stage filtration to produce filtered data; enriching the filtered data with geo-positioning data to produce enriched data; and filtering the enriched data based on other attributes to indentify a possible fraud.01-24-2013
20110302040VENDING SYSTEM - The invention relates to systems for selling goods and services using a telecommunications network of information and computer resources, in which means for the pneumatic delivery and distribution of goods are used. The technical result is an increase in the functional possibilities of the system. The vending system comprises points of sale of goods and services, which are geographically dispersed and are connected to each other and to a center that collects information about orders for goods and services and manages the delivery thereof. Each point of sale is provided with a terminal for determining which goods and services are available in the system, a goods warehouse and a goods distribution station, which station is provided with pneumatic delivery means that are connected by pneumatic tubes to the pneumatic delivery means of the goods distribution stations of other points of sale and are also connected to the pneumatic delivery means of the goods warehouse of its own point of sale. All of the terminals are connected via a telecommunications network of information and computer resources to each other and to the aforementioned information collection center.12-08-2011
20110288943METHOD FOR FACILITATING FINANCIAL AND NON FINANCIAL TRANSACTIONS BETWEEN CUSTOMERS, RETAILERS AND SUPPLIERS - A new medium of tender employs both a primary barcode and a merchant specific extension barcode that are both associated with specific consumers. The system operates within preexisting merchant platforms and links merchant systems, POS systems, inventory systems, SKU systems, barcode readers and a server. The system allows the ready linking and access of consumer transaction related information including purchase history, credit information, merchandise details and similar information. It further allows for the ready remittance of payment via the ACH network through the eCache computer network or other funding networks based on criteria established by the merchant itself. It further facilitates the administration of consumer rewards or loyalty programs and also facilitates consignment arrangements between suppliers and merchants.11-24-2011
20120016757LOCAL SHOPPING AND INVENTORY - Estimating product inventory comprises determining a rate of sales events for a product and an amount of time that has elapsed since a previous product availability estimate fro the product. Then, a new product availability estimate for the product is determined based on the rate sales events for the product. The rate of sales events for the product can be determined based on product data feeds from the merchant or other sales data.01-19-2012
20110295706ONLINE PAY-PER-USE SYSTEM AND METHOD - Aspects of the invention may involve systems, methods, and computer readable medium. In an embodiment of the invention, a computer-implemented method for paying for usage of a pay per use device may be provided. The method may transmit device identification information from the device to a server. Device setup information and vend price may be received and the vend price may be displayed. User identification may be received and transmitted to the server. An account balance value may be received and displayed on the display. A start request may be received and transmitted to the server. The device may start and an updated account balance may be displayed.12-01-2011
20110295705SECONDARY MARKET FOR GIFT CARDS WHERE SECONDARY MARKET TRANSACTIONS DO NOT PHYSICALLY TRANSFER THE SAME GIFT CARD BETWEEN A SELLER AND A PURCHASER - A secondary entity can purchase a gift card from a card holder. The secondary entity can extract complete information including identification and access information from the gift card and store this information on a database. The physical artifact of the gift card can then be optionally discarded or recycled. This information including the credit value can then be sold independent of the physical artifact (e.g., original gift card object) within the secondary market. When sold, the specific information for the original gift card is extracted from the database and programmed into a new artifact (i.e., blank gift card), which may be at a different location as the original gift card. For example, the credit value can be made accessible from a different physical artifact, which can be physically conveyed to a value purchaser. This different physical artifact can be utilized in the same manner as the original gift card. In one embodiment, the secondary entity can be remunerated for facilitating the transactions between the card holder and the value purchaser.12-01-2011
20100268614APPARATUS, SYSTEM, AND METHOD FOR AN ASSET-BACKED PURCHASE CARD - An apparatus, system, and method are disclosed for an asset backed purchase card. The present invention includes a house account comprising one or more assets, each of the one or more assets having a substantially continually updated spot purchase price. The invention receives funds from a consumer in exchange for a portion of the one or more assets from the house account based on an internal spot price of the asset, increasing a balance in a purchase account of the consumer. The purchase account is debited by selling a quantity of the asset backing the purchase account balance to the house account based on the internal spot price of the asset in response to a transaction based on a purchase card purchase by the consumer.10-21-2010
20100268613SYSTEMS AND METHODS FOR CAPTURING AND TRANSMITTING TRANSACTIONAL DATA RELATED TO PRODUCT AND SERVICE SALES - Systems and methods for capturing and managing information from a plurality of individual items sold in a commercial transaction between a consumer and a merchant can include capturing, at a point-of-sale, transactional data for the a plurality of individual items sold during the transaction. The transactional data can include item identification information for each of the a plurality of individual items sold. The transactional data can further be used to authorize the transaction.10-21-2010
20090150247Apparatus & 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.06-11-2009
20110264542METHOD AND APPARATUS FOR THE DISTRIBUTION OF DIGITIZED INFORMATION ON DEMAND - In a method and apparatus for the electronic distribution of digitized information on demand, remote and/or local mass data stores are used to store digitized information for use in the generation of products such as software media. Available products and related information can be searched, browsed and requested at a local fulfillment unit; or requests can be made remotely. The products generated and associated packaging, certificates of authenticity, instruction manuals and license numbers may optionally include customer specific information, and customer given personalization. Additional security features include storing essential parts of the digitized information remotely so that products cannot be generated using only locally stored information; and recording the digitized information on the at least final segments of longer than standard format CDs preventing complete copies onto CDs of standard format.10-27-2011
20110218869GOODS SALE DATA PROCESSOR AND CONTROL METHOD THEREOF - A goods sale data processor performs a process of registering goods to be transacted. Reserved registering information to be reserved is stored. The reserved registering information to be reserved is updated and stored in a storage unit when the registering process is reserved, the registering process is being performed, and when the updated reserved registering information is notified from another goods sale data processor. The updated reserved registering information is notified to another goods sale data processor when the processor reserves the registering process. When the registering process is requested to restart, the selection of the reserved registering information used to restart the registering process out of the reserved registering information stored in the storage unit is received and the registering process is restarted using the selected reserved registering information.09-08-2011
20110218868SYSTEM AND METHOD FOR DETERMINING APPROPRIATE REDEMPTION PRESENTATIONS FOR A VIRTUAL TOKEN ASSOCIATED WITH A STORED VALUE ACCOUNT - A method for determining an appropriate redemption presentation for a virtual token associated with a stored value account is disclosed. The method may include receiving a request for presenting a redemption presentation of a virtual token and obtaining a merchant identifier associated with the request. The method may further include determining if the request is for one of an on-line transaction and a transaction with a point-of-sale terminal, and if the request is for a transaction with a point-of-sale terminal, then searching a database using the merchant identifier to find one or more redemption presentations of virtual token preferred by a merchant. Subsequently, the one or more redemption presentations of the virtual token may be transmitted over a computer network to a client device.09-08-2011
20100082443Automatic Generation of Change Orders - A method for automatically generating change orders may be performed at a point of sale system. The point of sale system may determine an amount of funds in the point of sale system and whether additional funds are necessary. If so, a change order may be automatically requested from a back office system (e.g., a cash recycler) or a financial institution. The back office system may determine whether it is able to fulfill the change order request and if not, forward the request to the financial institution. In one or more arrangements, a notification that a change order request has been received may be transmitted to a manager or other change order personnel. The change order request and funds delivered to the point of sale system in response thereto may be reconciled with the back office system.04-01-2010
20110173081SYSTEMS AND METHODS USING POINT-OF-SALE CUSTOMER IDENTIFICATION - System and method for automatically providing tailored customer services at a point-of-sale location. An identity of a customer approaching the point-of-sale location is automatically determined using an auto-identifying technology. Stored customer activity data corresponding to the identified customer is automatically accessed using a computer-based system operatively interfacing to the auto-identifying technology. At least one tailored customer service is automatically generated for the customer by processing at least a portion of the accessed customer activity data using the computer-based system.07-14-2011
20090287576COMMODITY SALES DATA PROCESSING SYSTEM, COMMODITY SALES DATA PROCESSING APPARATUS, AND DISPLAY METHOD FOR TRANSACTION INFORMATION - A POS apparatus includes a code scanner and a radio communication unit. A store clerk inputs a commodity code from the code scanner. The POS apparatus generates transaction information based on the input commodity code. The radio communication unit transmits and outputs the transaction information. A customer carries a cellular phone. The cellular phone includes a terminal display unit and a radio communication unit. When the radio communication unit receives the transaction information, the terminal display unit displays the received transaction information.11-19-2009
20080208696Point of sale system with web-based back-office - This invention provides a system and a method for managing a range of businesses. The business operations range from a single branch to a large chain of stores or branches. This invention relates to the managing of the points of sale (POS) with Web-based back-office systems. POS transaction engine terminals are implemented on personal computer, PC hardware using PC software with a relational database. The transaction engine architecture provides cost-effective application customization. Web-based back-office software is implemented on servers. POS and BO systems are monitored and supported via the web using protocol and open software components.08-28-2008
20090299863PERFORMING A CHECK TRANSACTION USING ADD-IN MODULES - A point-of-sale (POS) module and associated methods are described for performing a transaction involving a check. The POS module interacts with one or more add-in modules. Each add-in module is associated with a particular method for processing a payment using a check. Accordingly, the POS module can accommodate multiple different workflows by plugging in appropriate add-in modules.12-03-2009
20120296750POINT OF SALE COMPUTER SYSTEM DELIVERING COMPOSITED TWO- AND THREE-DIMENSIONAL IMAGES - A point of sale computer system that allows a customer to select and consummate a sale himself. The system may include graphics storage media configured to store two- and three-dimensional graphics data relating to the sale, as well as business rules storage media, configured to store business rules that specify the graphics that should be displayed during the selection and consummation process based on input received from the customer. The technology allows a presentation to be made to the customer that is entertaining and that maintains the attention of the customer throughout the sale selection and consummation process.11-22-2012
20110208600Point of Sale Payment System and Method - A point of sale (POS) payment system does not require the payor to disclose confidential and sensitive financial information to the payee in order to settle the transaction. The payee presents the payor with an invoice or bill. The payor requests from their bank (or proxy for the bank) a payment token for a predefined sum and receives the payment token electronically, such as via smart phone or other portable device. The payment token is transferred to the payee as payment for the invoice. The payee stores the electronic payment token or the data associated therewith and submits the token to the payor bank (or proxy for the bank) to settle the transaction or invoke the settlement process.08-25-2011
20110208601SYSTEM AND METHOD FOR FINANCIAL TRANSACTION AUTHENTICATION USING TRAVEL INFORMATION - Systems and methods for verifying a distant-from-home financial transaction related to a customer account based on travel indicators in earlier purchase transactions made by that customer.08-25-2011
20110208599MOBILE MARKETING AND TARGETED CONTENT DELIVERY TO MOBILE DEVICES - A mobile marketing system comprising a point of sale terminal configured to record data relating to purchasing activity, a mobile communication device in communication with the point of sale terminal, the mobile communication device containing a mobile device application configured to obtain data containing identifying information relating to a merchant, and a server providing the data containing identification information and storing the data relating to purchasing activity.08-25-2011
20090037284POINT OF SALE SYSTEM WITH ABILITY TO REMOTELY UPDATE FIRMWARE - A point of sale system comprises a microprocessor system, a peripheral interface, and a communication interface. The point of sale system is configured to receive, through the communication interface, an update to peripheral operation software associated with a peripheral device that may be connected to the peripheral interface. The peripheral device may be a contactless reader. The updated software may be received from a terminal management system connected to the point of sale device through the communication interface. The updated software may comprise a peripheral driver that is stored in memory comprised in the point of sale device. The updated software may comprise peripheral firmware that is stored in memory comprised in the peripheral device.02-05-2009
20090313128Patronage incentive saving system and method for retail businesses - A method of doing business in a retail environment employs a patronage incentive system incorporating a rounding up saving software program which provides a customer making a purchase at a point-of-sale terminal of participating retailers with an option to round up the price of purchase to the nearest dollar (or higher), to credit the difference between the rounded and the retail price to an account once the purchase is made, and to invest the savings into a single predetermined mutual fund. The rounding up program establishes a personal account for each customer, establishes a cumulative account with the single mutual fund, interacts with the customer, and, upon the request of customer, provides the customer with the information regarding his/her account current and/or prospective.12-17-2009
20110208602SALE DATA PROCESSING TERMINAL AND CONTROL METHOD THEREOF - A sale data processing terminal includes: a receiver unit that receives an operation input by a user's operation; a registering unit that registers transaction details of a transaction received by the receiver unit in sale data; an account adjusting unit that performs an account adjusting process of summing up the transactions registered in the sale data, when a predetermined adjusting time at which the account adjusting process of summing up sales is performed arrives and the transaction details are not being received; and a non-adjustment alarming unit that gives an alarm indicating a non-adjusted state where the account adjusting process is not performed, when the predetermined adjusting time arrives but the transaction details are being received.08-25-2011
20130024302CUSTOMER MANAGEMENT SYSTEM AND CUSTOMER MANAGEMENT METHOD - A customer management system includes a shop terminal having a reading unit reading personal information from a storage medium and a writing unit, and includes a server having an allocation unit and a transaction information storage unit. The reading unit reads from the storage medium all shop IDs and customer IDs. The server also has a customer ID extraction unit extracting the shop ID related to a shop and the customer ID associated with the shop ID from all the shop IDs and the customer IDs, a transaction information extraction unit extracting from the transaction information storage unit transaction information associated with the shop ID and the customer ID, and a transaction information update unit storing transaction information, which is obtained by adding information on a transaction with the customer to the extracted transaction information, in the transaction information storage unit so as to be associated with the customer ID.01-24-2013
20100138308BANKNOTE COUNTER AND BANKNOTE COUNTING SYSTEM - There is provided a banknote counter 06-03-2010
20100153220METHOD OF REUSING SHIPPING AND PACKING MATERIALS - A method of reusing a recyclable container comprises receiving information relating to a change in a location of a recyclable container based on a data device situated on the container and causing transfer of a deposit amount based on the change in location. A method of processing reusable materials comprises receiving a reusable packaging material with a data device associated with unique identifier data; associating a condition of the reusable packaging material with the unique identifier data; sorting reusable packaging material to send to manufacturers; and modifying the data associated with said unique identifier data to reflect the number of uses of the container and the destination of the container.06-17-2010
20090144161METHOD AND SYSTEM FOR CONDUCTING AN ONLINE PAYMENT TRANSACTION USING A MOBILE COMMUNICATION DEVICE - 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.06-04-2009
20120197740TRANSACTION AUTHORIZATION SYSTEM FOR A MOBILE COMMERCE DEVICE - Embodiments of the invention include apparatuses and methods that allow a user to wirelessly transmit payment information from a mobile device to a point-of-sale terminal by the user performing only a single action or supplying only a single input to the mobile device. For example, some embodiments of the invention allow a user to assign a default payment vehicle to a particular key or “pay now” icon of the mobile device so that activation of the particular key or icon, alone, causes the mobile device to wirelessly transmit information about the default payment vehicle. In some embodiments of the invention, a user using the single action option of the mobile device does not need to go through an authentication procedure before the mobile device transmits the default payment information. In some embodiments of the invention, if a user uses the single action option, the mobile device is configured to transmit the payment information without needing to first launch an electronic wallet software application installed on the device.08-02-2012
20080306827System for Registration of Commercial Transactions - The present invention is a new use of the POS terminal and the existing communication networks for processing, registering and storing all commercial transactions regardless of payment method that when combined with an electronic lottery increases the registration of commercial transactions.12-11-2008
20090287575System, Program Product, And Computer-Implemented Method For Loading A Loan On A Pre-Paid Card - Embodiments of the present invention provide systems, program products, and methods of loading a loan on a pre-paid card. A bank receives authorization from a lender to credit loan proceeds from the lender to an approved borrower on a pre-paid card associated with the pre-paid card processor so that release of the loan proceeds is pending an activation of a pre-paid card. Next, the bank receives notice of an activation of a pre-paid card associated with the pre-paid card processor responsive to an activation request on behalf of the approved borrower. Then the bank credits the pending loan proceeds to the pre-paid card processor for the activated pre-paid card so that the loan proceeds are released to the approved borrower and are immediately available.11-19-2009
20110145077SETTLEMENT TERMINAL, CONTROL METHOD THEREFOR, AND POS TERMINAL - According to one embodiment, a settlement terminal includes a card reading unit, an input unit, a card settlement unit, a cumulative storing unit, and a display unit. The card reading unit reads information stored in a card for settlement. The input unit inputs transaction information. The card settlement unit settles, using the card information read by the card reading unit and the transaction information input by the input unit, a commercial transaction related to the transaction information by card. The cumulative storing unit cumulatively stores predetermined numerical value information generated every time the commercial transaction is settled by card by the card settlement unit. The display unit displays a standby screen on which the start of the commercial transaction is received and a cumulative value of the numerical value information stored in the cumulative storing unit is shown.06-16-2011
20130218693OBTAINING INSTANT CREDIT AT A POS WITH LIMITED INFORMATION - A consumer at a POS is able to obtain instant credit from a third party payment provider by providing identification information, such as from a driver's license, through a sales associate at the POS and by providing directly the last four digits of the consumer's social security number (SSN). When the consumer wants to make subsequent purchases through the payment provider, the sales associate need only enter the consumer's last name, zip code, and date of birth for the payment provider to locate and retrieve the consumer's account. The consumer may then enter the last four digits of the consumer's social security number, such as into a PIN pad at the POS, and have the information processed by the payment provider.08-22-2013
20090187488METHOD AND SYSTEM FOR PROVIDING A SERVICE TO A CUSTOMER - A system and method for providing a service to a customer wherein a transaction engine processes an order placed by a customer for at least one product provided by at least one provider. A location engine provides the customer location information to the provider to enable thereby an adaptation of a provider order fulfillment process.07-23-2009
20090037285Method and system for dynamic funding - An identifier of a mobile device may be accessed. The identifier may be associated with a payment account. A single use authentication code relating to the identifier may be generated. The single use authentication code may be capable of being used to authenticate the mobile device at a point of sale (POS) device and enable a funds adjustment to the payment account. The single use authentication code may be provided to the mobile device through a communications network.02-05-2009
20090055277WIRELESS PAYMENT METHOD AND SYSTEMS - A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.02-26-2009
20110225056CHECKOUT APPARATUS AND MODE SWITCHING METHOD - According to one embodiment, a checkout apparatus includes an apparatus body, a monitor, a rotation mechanism, a lock mechanism, a notification unit, and a control unit. The apparatus body can switch a mode for checkout processing between a cashier mode in which a cashier operates the apparatus and a self-service mode in which a customer operates the apparatus. The monitor is provided on the apparatus body and displays a status of the checkout processing. The rotation mechanism rotates the apparatus body. The lock mechanism locks the rotation of the rotation mechanism at least at two positions. The notification unit causes the monitor to display guidance showing a procedure for mode switching, including locking and unlocking by the lock mechanism. The control unit switches checkout processing modes in response to that the rotation of the rotation mechanism is stopped at one of the positions with the locking by the lock mechanism.09-15-2011
20120143703MULTIPLE CONTACTLESS DEVICE INTERACTIONS AND COMMUNICATION PROTOCOLS PER TAP - Enabling multiple contactless interactions and communication protocols with a single tap of a contactless device. A device reader generates a polling loop and detects a contactless device using an RF field. The device reader identifies the contactless device's communication protocols and initiates a first communication protocol via ISO/IEC 18092 protocol. The device reader initiates a stored value communication via MIFARE protocol. The device reader then initiates an EMV communication via ISO/EIC 14443 protocol. A contactless device can function for both an EMV compliant payment transaction and an alternative peer-to-peer type transaction. The EMV based payment application and transaction is retained as an independent payment application, thereby keeping the additional data exchange process of EMV technology from influencing the peer-to-peer technology and avoiding re-certification of EMV technology.06-07-2012
20110231267NAIL POLISH COLOR SELECTION SYSTEM - A user interactive custom nail polish color and effects dispensing system and method of doing business, including for both point of sale and remote (e.g., via internet) transactions.09-22-2011
20120078737METHOD FOR AUTHORIZATION OF A TRANSACTION WITH THE USE OF MOBILE PHONE - A method for transaction authorization with the use of a mobile phone, comprising the steps of receiving (03-29-2012
20120078735Secure account provisioning - A mobile payment system and method are described that facilitates the secure and real time user authentication and activation of a mobile payment account for a user portable electronic device over a communications network.03-29-2012
20090204503METHODS AND SYSTEMS FOR ESTABLISHING INVESTMENT ACCOUNTS ASSOCIATED WITH PRESENTATION INSTRUMENTS - This disclosure describes, generally, methods and systems for establishing an investment account associated with a presentation instrument. In one embodiment, the method includes providing a presentation instrument with an associated account identifier. The method further includes establishing an investment account with an associated account identifier. The method associates the presentation instrument with the investment account using the presentation instrument's account identifier and the investment account's account identifier, and loads funds onto the presentation instrument using the associated account identifier. Further, the method assigns the funds to the investment account based on the association of the presentation instrument with the investment account.08-13-2009
20090210308SECURE AUTHORIZATION OF CONTACTLESS TRANSACTION - Methods, systems, and machine-readable media are disclosed for securely authorizing a financial transaction utilizing an electronic payment credential. According to one embodiment, a method of authorizing a financial transaction utilizing an electronic payment credential can comprise maintaining information identifying an account associated with the electronic payment credential. The information can also identify one or more electronic devices authorized to use the electronic payment credential. A request to authorize the transaction can be received. The request can include information identifying an electronic device presenting the payment credential. The transaction can be authorized based at least in part on the information identifying the account. Authorizing can comprise determining the electronic device presenting the payment credential is one of the electronic devices authorized to use the electronic payment credential.08-20-2009
20120197742ELECTRONIC FUNDS AND RECEIPT TRANSFER SYSTEM - A system and method for providing an electronic funds and receipt transfer system capable of making available to the customer or other authorised third party, receipt data relating to an EFTPOS transaction in an electronic format (08-02-2012
20110173082SMART VISI-COOLERS - Systems, apparatus, interfaces, methods, and articles of manufacture for smart visi-coolers are provided.07-14-2011
20090094124REAL-TIME POINT-OF-SALE CHANGE-OF-ADDRESS PROCESSING - The present invention provides the ability to solicit and obtain updated information about a customer or person. The present invention can be incorporated into a service provision system and thus, request updated information from a customer attempting to access the service. In operation, when the customer requests a service, the customer either provides or is requested to provide sufficient information to identify the customer. The system then extracts a customer profile based on the identity of the customer. Portions or all of the customer profile is then presented to the customer to verify for correctness. If the information is incorrect, the customer can provide updated information immediately to the system. The system can force the customer to either update the information or affirmatively indicate the information is correct before providing the service.04-09-2009
20090094123PAYMENT SERVICES PROVIDER METHODS IN CONNECTION WITH PERSONALIZED PAYMENTS SYSTEM - A method includes receiving transaction information from a merchant device. The transaction information includes a transaction amount and merchant information that identifies a merchant that operates the merchant device. The method further includes receiving, from a mobile device, a request that a funds transfer be made from a payment card account that belongs to a customer who is operating the mobile device to a payment card account that belongs to the merchant. The method also includes forwarding the request to a financial institution that issued the payment card account that belongs to the customer.04-09-2009
20090094122SYSTEM AND METHOD OF COMPLETING A TRANSACTION INCLUDING PAYMENT VERIFICATION - A system and method of completing a self-service transaction including payment verification which limits products or services to those paid for. The system includes a payment station and a delivery station. The payment station includes a first computer for recording an order from a customer, for processing payment for the order from the customer, for storing terms of the order with an order identification number, for providing an order identifier associated with the order identification number. The delivery station includes a second computer for reading the order identifier to determine the order identification number, for accessing the terms of the order using the order identification number, for authorizing a delivery to the customer based upon the terms of the order.04-09-2009
20090076922METHOD,DEVICE AND SYSTEM FOR IMPROVING THE UTILIZATION OF CUSTOMER OPERATED TERMINALS - Apparatuses, methods and systems used to increase the utilization of customer operated terminals. A supervisor terminal automatically gathers information on customer transactions at both customer operated and assisted checkout terminals and then continuously displays utilization information for the customer operated terminals. An operator uses the information to determine when to take certain measures to increase the utilization of the customer operated terminals.03-19-2009
20120197743SINGLE ACTION MOBILE TRANSACTION DEVICE - Embodiments of the invention allow a user to wirelessly transmit payment information from a mobile device to a point-of-sale terminal by the user performing only a minimum number of inputs, such as a single input. Some embodiments of the invention provide an apparatus comprising an input device configured to receive input from a user, a communication device configured to transmit wireless signals to a transaction device, a memory comprising predetermined payment information stored therein and a processor communicably coupled to the input device, the communication device and the memory and configured to: receive transaction information from the transaction device related to a transaction; receive a first input from the user; determine if the first input matches a user defined action stored in memory, and use the communication device to wirelessly transmit the predetermined payment information and authorize payment if the first input matches the user defined action stored in memory.08-02-2012
20100235246METHODS AND SYSTEMS FOR SORTING BANK NOTES, PROVIDING A CHANGE FUND AND BALANCING REVENUE - A method is provided for sorting bank notes using a bank note processing apparatus having an at least one input receptacle, at least one identification unit, and a plurality of stacker units. The method includes receiving the bank notes in the input receptacle or receptacles. The bank notes are identified when passed through or by the identification unit or units. The bank notes are sorted into the plurality of stacker units according to the results of the identification, which includes stacking each of one or more change funds into at least one stacker unit and stacking the remaining bank notes into at least one stacker unit. Each change fund includes a predetermined value and two or more predetermined denominations.09-16-2010
20100241517SYSTEMS AND METHODS FOR APPROVING OR DENYING A PLURALITY OF ITEMS SOLD USING TRANSACTIONAL DATA RELATED TO PRODUCT AND SERVICE SALES - Systems and methods for capturing and managing information from a plurality of individual items sold in a commercial transaction between a consumer and a merchant can include capturing, at a point-of-sale, transactional data for the a plurality of individual items sold during the transaction. The transactional data can include item identification information for each of the a plurality of individual items sold. The transactional data can further be used to authorize the transaction.09-23-2010
20090076921POINT OF SALE DEVICE WITH CARD READER AND CHECK SCANNER - Various improved features for a point of sale (POS) device are disclosed. The POS device may have a housing, a document path, a check-voiding printer, and a door in the housing enabling access through the document path to the check-voiding printer. The POS device may have a connector and cavity in its interior, not visible from the exterior, the cavity configured to hold an accessory device connected to the connector. The POS device may comprise a read head for reading characters printed in magnetic ink on the face of a check and a biasing mechanism that has a contacting face that holds the check against the read head. The POS device may have an opening in a back wall through which a check is at least partially visible during reading. The POS device may include two microprocessor systems that control different parts of the POS device.03-19-2009
20100211470SYSTEM AND METHOD FOR CONTROLLING FINANCIAL TRANSACTIONS OVER A WIRELESS NETWORK - A system and method for controlling financial transactions is disclosed. A customer, using a wireless device, identifies a point of sale and the amount of a transaction at that point of sale is first communicated to a central service and then transmitted to the wireless device for display at the wireless device. The customer can either accept the transaction amount to complete the transaction or reject the amount to cancel the transaction. The customer may have to enter a password or personal identification number to verify the authorization to use the wireless financial system. The customer is billed for the transaction via credit, debit, ATM or other methods, such as the wireless carrier or an internet provider.08-19-2010
20100211469POINT OF INTERACTION LOYALTY CURRENCY REDEMPTION IN A TRANSACTION - Multiple different non-financial loyalty currencies held by different issuers are used by a consumer as financial tender for a transaction with a merchant. Each issuer pays to a primary issuer the financial currency value of the non-financial loyalty currencies being held in return for a corresponding reduction of the balance of non-financial loyalty currency. For each reduced balance, the primary issuer adds an equivalent primary loyalty currency to a primary loyalty account for the consumer. The primary issuer pays the merchant for the transaction in financial currency and makes an equivalent reduction in the balance of the primary loyalty currency. The financial value of each loyalty currency may be dependent upon its use in a transaction with a competitor of a merchant supplying loyalty currency to the consumer.08-19-2010
20130218694SERVICE FOR EXCEEDING ACCOUNT THRESHOLDS VIA TRANSACTION MACHINE - In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for exceeding account thresholds via a transaction machine. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an exceeded threshold as a result of the transaction; (c) prompting, via the transaction machine, the holder to consent to the exceeded threshold; (d) receiving the holder's consent to the exceeded threshold; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.08-22-2013
20120143702Transaction Information Keeping Methods and Mobile Devices Thereto - A mobile device for keeping transaction information at payer's side is provided with an information keeping module therein. The information keeping module is suitable for obtaining first transaction information from at least one of a payment device and a point of sale terminal. Particularly, the first transaction information corresponds to a transaction performed between the payment device and the point of sale terminal.06-07-2012
20090112725ERRATA NOTIFICATION FOR PRINTED MATERIAL - Embodiments of the present invention address deficiencies of the art in respect to errata sheet management for published documents and provide a novel and non-obvious method, system and computer program product for errata sheet notification aggregation. In one embodiment of the invention, a method for errata sheet handling in an e-commerce system can be provided. The method can include registering a customer for errata sheet notification for a publication externally to a publisher of the publication and also externally to a publisher of errata sheets for the publication. The method further can include providing a notification to the customer of the publication of the errata sheet in response to determining the publication of an errata sheet for the publication by the publisher of errata sheets for the publication.04-30-2009
20120143704Standardizing Point of Sale Services and Leveraging Instances of the PLU Data - An adaptable and extensible interface is described for connecting one or more point of sale (POS) applications to one or more at a wide variety of retail application is described. The interface may be embodied as a programmable state machine employing XML tiles to customize its operation reusable retail applications may be utilized as part of the interface approach.06-07-2012
20100268612PAYMENT PROCESSING SYSTEM FOR USE IN A RETAIL ENVIRONMENT HAVING SEGMENTED ARCHITECTURE - A payment processing system and method comprising a POS module providing an interface to effect sales of FGS in a retail environment, a device module operatively connected to at least one retail device configured to supply FGS and comprising a card reader adapted to receive a first payment card data for payment for the FGS, wherein the device module is adapted to control operation of the at least one retail device, and a payment system module operatively connected to the POS module and the device module, the payment system module adapted to validate payment for the FGS. The payment system module and the device module are separated from the POS module in order to segment a portion of the payment processing system configured to handle payment card data from a portion of the system that does not handle payment card data.10-21-2010
20130132216POS INTERFACE (IF) EMULATOR - A point of sale interface (POS IF) emulator system includes a payment data processing-verification device that processes payment information in accordance with POS device information, emulates a POS input operation, and inputs the processed payment information to a POS device through a keyboard interface; the payment information being created from payment information extracted from shopping information and payment information acquired from user registration information, the shopping information being created by a mobile phone by acquiring item information from an item tag for an item and by performing the acquisition one or more times; wherein payment is made at the POS device corresponding to the POS device information.05-23-2013
20110112918METHODS FOR RISK MANAGEMENT IN PAYMENT-ENABLED MOBILE DEVICE - A payment-enabled mobile device such as a “smart phone” incorporates risk management features that are applicable to its use in contactless payment transactions. Some features may govern when verification of the cardholder's identity is required for consummation of the current transaction. The features may be configurable by the payment card account issuer and/or the user of the mobile device.05-12-2011
20130138516MOBILE DEVICE AUTHORIZATION SYSTEM FOR CONCURRENT SUBMISSION OF MULTIPLE TENDER TYPES - Methods, systems, and devices are described for providing mobile device transaction approvals utilizing multiple forms of tender. An identifier of a mobile device and a request for a transaction authorization may be transmitted from a mobile device and received at a payment authority system. The payment authority system may generate a payment code for transmission to the mobile device. The payment code may be provided to a point of sale (POS) system. The POS system may transmit a transaction amount, an identifier of a merchant, and the payment code to the payment authority system. A number of forms of tender may be applied to the transaction amount. The payment authority system may generate a unified approval code applying the multiple forms of tender to the transaction. The unified approval code may be transmitted to the POS system and applied to a transaction.05-30-2013
20100332335IN-LANE MONEY TRANSFER SYSTEMS AND METHODS - The present invention provides systems and methods to initiate, facilitate, process and/or perform money transfers. One such method includes receiving a request for a transfer pair verification from a vendor location (12-30-2010
20100332334SYSTEM AND METHOD FOR SENDING MONEY TO A RECIPIENT - The invention provides a system and method for sending money, locally or internationally, which method includes the steps of, issuing a sender of money with a virtual (credit or debit) card number and a card expiry date, communicating to the intended recipient of the money the virtual card number and card expiry date, presenting the virtual card number and, optionally, the card expiry date, to any merchant with a point-of-sale terminal that is capable of processing credit and/or debit card transactions, processing a key-entered purchase or cash-back transaction, on the point-of sale terminal by keying in the virtual card number provided by the recipient into the point-of-sale, optionally together with the card expiry date and the amount, processing, also known as authorizing, settling and clearing, with a virtual card system, the key-entered transaction by credit and/or debit card transaction clearing means so that the funds are cleared as available to the merchant, and the merchant paying the cleared amount to the recipient, optionally less a processing fee charged to the recipient. The credit and/or debit card accepting terminal also accepts Visa, MasterCard, American express, Diners Club, Discover, JCB, Relation Card and/or CUP credit or debit cards.12-30-2010
20100235247METHODS AND SYSTEMS FOR SORTING BANK NOTES, PROVIDING A CHANGE FUND AND BALANCING REVENUE - A method is provided for sorting bank notes using a bank note processing apparatus having an at least one input receptacle, at least one identification unit, and a plurality of stacker units. The method includes receiving the bank notes in the input receptacle or receptacles. The bank notes are identified when passed through or by the identification unit or units. The bank notes are sorted into the plurality of stacker units according to the results of the identification, which includes stacking each of one or more change funds into at least one stacker unit and stacking the remaining bank notes into at least one stacker unit. Each change fund includes a predetermined value and two or more predetermined denominations.09-16-2010
20110131103System and Method for Linked Account Having Sweep Feature - A linked account instrument is used to access funds in an existing demand deposit account held at a financial institution. Merchant or other transactions are first processed against a demand deposit account via an electronic authorization network. If the demand deposit account does not have sufficient funds, the transactions may be processed as a credit charge against an designated credit account. The demand deposit account may subsequently be swept at predetermined times in search of funds to defray the overdraft. If adequate funds are present, they will be withdrawn from the demand deposit account, and the credit account will be cleared. Otherwise, the instrument holder's daily purchasing abilities may be temporarily suspended until the credit account is settled. The processing of overdraft amounts may be on a FIFO, smallest-first or other basis.06-02-2011
20120036029System And Method For Managing Wireless Point-Of-Sale Transactions - A system that enables a wireless point-of-sale transaction. In one embodiment the system comprises an account module, an account selection module, a display, an input interface, and a wireless transmitter. The account module stores account information corresponding to a plurality of payment accounts. The account selection module selects a payment account from the plurality of payment accounts as a default payment account for a wireless point-of-sale transaction based on one or more predetermined criteria. The display displays the default payment account to a user. The input interface enables the user to accept the default payment account by the account selection module. The wireless transmitter that wirelessly transmits payment information to a point-of-sale device, wherein the payment information comprises account information associated with the default account when the default payment account is accepted via the input interface.02-09-2012
20100191604Device assisted ambient services - Various embodiments are disclosed for a services policy communication system and method. In some embodiments, a communications device implements a service profile for assisting control of the communications device use of a service on a network, in which the service profile includes service policy settings, and the service profile is associated with an ambient service plan that provides for initial access to the service with limited service capabilities prior to activation of a new service plan; and monitors use of the service based on the service profile.07-29-2010
20090043663Banking Account and Transaction Methods - A transaction account, system and method for combining a debit card with a credit card. The method provides for executing a transaction, including the steps of: maintaining a financial account associated with a transaction device for the execution of purchases, the account having a credit limit and an account balance indicative of an aggregate sum of previously authorized debits and credits; a periodic or intermittent source of funding to the account; receiving a request for authorization for a new transaction amount against the account in exchange for goods or services; and authorizing the requested transaction amount when the sum of the credit limit and the account balance exceeds the transaction amount. The proposed methods additionally may incorporate methods for the reporting of the account balance aggregate sum of debits and credits to the account holder. Methods involved in operatively administering the aggregate sum of debits and credits account balance will typically be hidden from the account holder resulting in the account holder having the experience of holding a single account capable of carrying both positive and negative balances, wherein negative balances may be charged interest, and positive balances may result in the accumulation of interest payments to the account from the issuer.02-12-2009
20100131374Integrated Currency Scales - To facilitate the monitoring of currency and coin levels in a point of sale system and other cash handling devices, one or more currency or coin scales may be integrated into the point of sale system or cash handling device. Currency and coin amount information may be transmitted to a back office system or to a financial institution for recognition of the funds. A measurement by the scale may be triggered by a transaction occurring, based on a specified schedule or in an on-demand fashion.05-27-2010
20100057578PROCESS OF AND APPARATUS FOR NOTIFICATION OF FINANCIAL DOCUMENTS AND THE LIKE - A payee sends a financial document such as an invoice to a payer via a payment adviser service. The payer sends a financial document such as an advice of payment to the payment adviser service and instructions for payment to a payment clearance system. The payment clearance system sends to the payee information on where to access the financial document by including it in the payee's bank statement.03-04-2010
20110178883Transactions associated with a mobile device - Methods and apparatus, including computer program products, for transactions associated with a mobile device. A method includes, in a merchant device linked to a server by a first network, sending a registration to the server, sending a transaction message to the server, receiving a unique identifier from the server in response to the transaction message, broadcasting the unique identifier, in response to the broadcasted unique identifier, receiving instructions in the server from a mobile application residing in a memory of a mobile device over a second network, processing a transaction in response to the instructions, and notifying the merchant device of the processed transaction.07-21-2011
20110251908PERSONAL INTERFACE DEVICE AND METHOD - A personal device is provided. The personal device includes an identification verification system that receives first identification data from a physical identification device, such as by inserting a driver's license into a card reader that is adapted to receive a driver's license. Second identification data such as a PIN number is also received. Payment authorization data or other suitable data is generated if the driver's license corresponds to the PIN. A payment selection system or other suitable system receives the payment authorization data and displays one or more payment accounts for selection by a user. Where a payment selection system is used, the payment selection system transmits payment account data to a point-of-sale system.10-13-2011
20110251907ELECTRONIC MARKET TRACKING AND REPORTING SYSTEMS AND METHODS - Systems and methods are described for transforming actual aggregated data (e.g., transaction and terminal data) from a large number of POS terminals into market trend reports. For example, POS datasets are aggregated from POS terminals distributed across many merchant outlet locations, each POS dataset including location data and transaction data for its respective POS terminal. A reporting request is received for a market trend report corresponding to a designated market. A market dataset is identified from the portion of the aggregated POS data. Market trend data is calculated and graphical report data is output as a function of the market trend data in response to the reporting request.10-13-2011
20100125508METHODS AND SYSTEMS FOR PAYMENT ACCOUNT ISSUANCE OVER A MOBILE NETWORK - According to some embodiments, a request for a new payment account may be received in connection with a mobile device, such as a wireless telephone. A temporary payment account number (“PAN”) may then be automatically assigned to the request. The temporary PAN may be mapped to a mobile PAN, and data to facilitate a personalization of the mobile device with the mobile PAN may be transmitted. The mobile device may then be used, for example, in connection with a near field communications enabled purchasing transaction.05-20-2010
20120303471Wallet Consolidator to Facilitate a Transaction - A wallet consolidator to warehouse information pertaining to at least one card and to retrieve the warehoused information to facilitate a transaction is provided. An embodiment of a Wallet consolidator can include a housing, one or more input devices positioned to receive information, and a memory device positioned to store at least a portion of the information received by the one or more input devices. The wallet consolidator can also include a radio frequency wireless communication interface associated with the housing and adapted to communicate with a point-of-sale terminal thereby to provide at least a portion of the Information stored in the memory device to the point-of-sale terminal, a display screen, and a controller positioned within the housing in communication with and to control each of the one or more input devices, the memory device, the radio frequency wireless communication interface, and the display screen.11-29-2012
20110153436Method of establishing credit on a cash register - A method is provided for paying for a product or service in a cash register with a credit card using a personal wireless communication device. The method includes loading vending universal wireless interface software into a cash register to interface with the case register microprocessor and an RF transceiver to control communication between the cash register and the personal wireless communication device so that the personal communication device can obtain transaction data from the cash register and communicate the data to a remote server for credit card approval for payment of the transaction so that the transaction can be executed by the cash register.06-23-2011
20110251906MOBILE AGENT POINT-OF-SALE (POS) - Systems and methods are disclosed for conducting transactions and financial transfers utilizing a mobile device communicatively coupled with a mobile communications network and executing a mobile point-of-sale application. According to some embodiments, the mobile point-of-sale application is adapted to conduct money transfer transactions by communicating transaction information through the mobile communications network to a money transfer provider system that processes the money transfer and communicates receipt information to the mobile point-of-sale application. Additionally, according to some embodiments, an account associated with an agent of the money transfer provider can be used in money transfer transactions conducted by the mobile point-of-sale application.10-13-2011
20100268611SYSTEMS AND METHODS FOR PRE-PAID FUTURES PROCUREMENT - A transaction processor can receive transaction information from a transaction between a customer and a merchant. The transaction information includes an account identifier associated with a financial account of the customer. The processor determines that the account identifier is associated with a fixed price futures contract. The transaction is completed at the current market price. Thereinafter, the processor can determine if the fixed price is lower than the current market price. If the fixed price is lower than the current market price, the process determines the difference in cost for the transaction if the fixed price were used. Then, the processor can create and send a resettlement transaction to the customer's account to reimburse the customer for the difference. As such, the customer receives a simple method for paying for commodities at a set price without having special payment instruments or special accounts.10-21-2010
20110161185METHOD AND SYSTEM FOR LOADING AND RELOADING PORTABLE CONSUMER DEVICES - A method is disclosed. The method includes providing tender at a point of service terminal operated by a load agent, the point of service terminal being in operative communication with a payment processing network. The point of service terminal thereafter sends a transaction authorization request to an issuer of a portable consumer device to be used by a user. The issuer then authorizes or does not authorize the transaction authorization request. If the transaction authorization request is approved, the portable consumer device is either initially loaded or reloaded with an amount associated with the tender provided at the point of service terminal.06-30-2011
20110213671Systems and Methods to Process Payments - Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a data storage facility and an interchange coupled with the data storage facility that stores data associating a phone number with an account, such as a balance of the account, identification information of a plurality of funding sources, and security data for authentication. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats and with the common format processor in a common format, to facilitate authentication of the payment requests received from various payment terminals. The requests are authenticated via both the security data and communications with a mobile phone having the phone number. After the authentication, the payments are effected using the account.09-01-2011
20110010252SYSTEM AND METHOD TO PURCHASE APPLICATIONS BY A POINT OF SALE TERMINAL - A system and method to allow users to purchase software applications for point of sale (POS) terminals from an application server via a network (e.g., the Internet) utilizing the POS terminal itself. One or more menus providing portals to available applications and their respective demonstration applications are provided to users on POS terminals. The demonstration applications may be directly downloaded from the application server onto the POS terminals. In addition, the user is able to purchase the application via the POS terminal either before or after the user has viewed/downloaded the demonstration application. After purchase, the application may be downloaded directly from the application server onto the POS terminal. Further, information associated with the demonstration applications downloaded to each POS terminal may be reported to a manufacturer of each demonstration application.01-13-2011
20110055031REGISTRATION TERMINAL, SETTLEMENT TERMINAL, TRANSACTION CONTENT CHANGING METHOD, AND COMMODITY SALES PROCESSING APPARATUS - According to one embodiment, a registration terminal includes: a connecting unit connected to a settlement terminal, the settlement terminal being configured to store sales data indicating transaction content of a transaction for purchase of a commodity transmitted from the outside and execute processing concerning settlement of the transaction on the basis of the stored sales data; a generating unit configured to generate, every time the transaction is performed, sales data indicating content of the transaction; a registering unit configured to transmit the sales data generated by the generating unit to the settlement terminal; a readout requesting unit configured to request the settlement terminal to read out the sales data stored in the settlement terminal; and a changing unit configured to change the transaction content of the sales data read out from the settlement terminal and transmit the sales data after the change to the settlement terminal as sales data for update.03-03-2011
20110055030Point of Sale System for Communicating Marketing Messages Based on a Sales Transaction - A method, POS system, and computer program product is provided for integrating a POS system with social networking platforms. A Point Of Sale (POS) system obtains sales information associated with a sales transaction. After acquiring a customer's authorization to use his/her e-mail address information, the POS system reconciles the sales information with marketing data. The POS system packages marketing information based on the sales information acquired and communicates the marketing information associated with the sales transaction to a social networking platform to which the customer is a subscriber.03-03-2011
20110055029Point of Sale System for Reconciling Point of Sale and Financial Information - A Point Of Sale (POS) system is presented that can consolidate and reconcile sales information from various POS terminals with financial information from one or more financial systems, including bank-related systems and credit-related systems. In some instances, the POS system enables a user to access, from a POS connected server, a financial report based on the reconciliation of sales and financial information associated with a sales transaction.03-03-2011
20110055028ARTICLE SALES DATA PROCESSING APPARATUS AND CONTROL METHOD FOR THE SAME - According to one embodiment, an article sales data processing apparatus includes a storage unit, a selection acceptance unit, a confirmation unit, and a payment processing unit. The storage unit stores, for each article sold, sales data and information indicating a payment method prohibited for that article, of plural payment methods. The selection acceptance unit accepts selection of payment method. The confirmation unit refers to the information stored in the storage unit and confirms whether articles sold include an article for which payment by the payment method with its selection accepted by the selection acceptance unit is prohibited. If it is confirmed that the articles sold include an article for which payment is prohibited, the payment processing unit notifies that the articles sold include an article for which payment is prohibited, and executes payment for articles for which the same payment method is not prohibited, by the same payment method.03-03-2011
20100293064SYSTEM AND METHOD FOR DISPLAYING DIGITAL CONTENT - A data processing system is provided for determining specific digital content for displaying on a restaurant table top display unit corresponding to a specific time point of a consumption cycle. In particular, the said data processing system is provided for recording inputs and their associated time stamps from a table top unit, reading a current time from a digital clock, performing calculations on the said inputs, time stamps, and the current time, based on a predetermined algorithm, producing a calculated index; storing a plural of digital contents tagged with tagging indexes; selecting specific digital content with its associated tagging index matching said calculated index for displaying on a signage unit.11-18-2010
20120150671System and Method for the Interoperability of Different Payment or Transaction Authorization Platforms - A system, method and intermediary for effecting a payment account transaction at a point of sale on behalf of a registrant while avoiding disclosure of its payment account information at the point of sale. The system comprises a merchant device at the point of sale for generating a partial authorization request, an authorizing instrument for providing authentication information of an authorized representative and the intermediary, located remotely from the point of sale, for receiving the partial request and the authentication. The intermediary retrieves the registrant's payment account information using the authentication, combines it with the partial request to form an authorization request and forwards it along the transaction network for processing. The authentication information may arrive with a subset of transaction information. The authorizing instrument may be located at the point of sale. A requesting instrument may request the authorizing instrument to forward the authentication information.06-14-2012
20110029395STORED VALUE TRANSACTION SYSTEM AND METHOD INCLUDING AN INTEGRATED DATABASE SERVER - An integrated database and information server are provided that efficiently share information and tasks between various stored value programs. A server is configured to provide reusable objects and data structures that are suitably shared between various stored value products. A database at the server allows data to be shared between various programs so that each consumer associates with only one database record even though that consumer may use multiple shared value products. By integrating modules and avoiding duplicate records, the record communicates with all stored value programs, so the information does not need to be repeatedly entered into the database. Moreover, new stored value products are quickly and easily created through selection and arrangement of various shared objects preferably maintained within the database.02-03-2011
20100121724Trucking Document Delivery System and Method - Aspects of the invention are related to a point of sale system located at a truck stop that integrates an image processing device, such as a scanner. The system can transmit transportation documents to at least one remote recipient. Such a system can streamline the billing process in the trucking industry. The system can utilize a smart card or other data card for retrieving additional information, such as the identity of the recipient of the transportation document.05-13-2010
20100121723METHOD FOR GENERATION OF EXCESS FUNDS FROM CREDIT INSTRUMENTS EARMARKED FOR PERSONAL USE AND DISTRIBUTION - A method of generating excess funds through use of a credit instrument, the excess funds being earmarked for at least one entity. The method including the steps of: at least one credit issuer affiliating a credit instrument with the at least one entity; at least one consumer obtaining the affiliated credit instrument and using it to make one or more purchase transactions at one or more points of sale, each transaction having an amount of purchase; and the at least one credit issuer processing each of the one or more purchase transactions using the following steps: performing credit instrument transaction processing procedures using a credit instrument processing network; at a period predefined for generating excess funds determining if an instrument used to pay for the purchase transaction being processed is the affiliated credit instrument; and if the instrument is the affiliated credit instrument, generating funds in excess of a sum total amount of all purchase transactions made using the instrument at all points of sale.05-13-2010
20110178884TRUSTED STORED-VALUE PAYMENT SYSTEM THAT INCLUDES UNTRUSTED MERCHANT TERMINALS - A stored-value payment system includes trusted cards and untrusted merchant terminals. Security is enhanced by the card receiving an amount of stored value only upon the card confirming that an amount that is at least equal to the received amount is paid by the card at the terminal. The card may provide to the terminal a verifiable payment record for an amount that is calculated by the card by subtracting the value received by the card from the value paid by the card. Further security features may include a terminal certificate that is updated upon settlement and includes a terminal expiration time, and a card time register that is updated upon a payment transaction with an unexpired valid terminal.07-21-2011
20110112917Retail Point of Sale (RPOS) Digital Rights Convergence - The present invention is an apparatus and method for the money transactions required in the selling of merchandise or media content on the Internet or other public or private network. It can then track and maintain digital rights to merchandise or media. Methods of access to digitally protected content are disclosed. License metadata and credentials from multiple types of digital rights management systems may be used to grant access through a home based or other end-user custodial digital rights “place-chaser” to content protected by different types of serial copy management systems. Content security using a non-audible or invisible code signal sequence(s) can provide traceability as well as absolute anonymity for the purchaser. This apparatus can be used to conduct transactions off the web so that business can be done on the web.05-12-2011
20120150672METHOD AND APPARATUS FOR PROVIDING AND PROCESSING INSTALLMENT PLANS AT A TERMINAL - According to some embodiments, a central controller receives a selection signal. If the selection signal indicates acceptance of any installment plan, use of the accepted installment plan for the financial account is authorized. Thereafter, bills may be generated that reflect installment charges to be paid.06-14-2012
20120150669SYSTEM AND METHOD FOR POINT OF SERVICE PAYMENT ACCEPTANCE VIA WIRELESS COMMUNICATION - A system and method for remitting payment from a consumer's credit or stored value account by digital presentations of account information are described. A merchant may create one or more merchant account at a point-of-sale service site (“POS service site”) and associate one or more merchant portable computing devices (“MPCDs”) with one or more of the merchant accounts. Each MPCD may be configured to receive customer data from a customer via one of a visual capture and a wireless communication, such as a near field communication (“NFC”) or a machine-readable optical code. The customer data may be received from an NFC-capable physical token such as an EMV card, or a virtual token presented by a customer portable computing device (“CPCD”) using a NFC or a machine-readable optical code. Each MPCD may contain a point-of-sale payment application supplied by the POS service site that may capture data representative of a consumer account from the received customer data.06-14-2012
20110191195INTELLIGENT VIDEO VERIFICATION OF POINT OF SALE (POS) TRANSACTIONS - A method of monitoring a point of sale (POS) transaction including: receiving non video data regarding the POS transaction; defining exceptional transaction rules based at least on predetermined non video POS data events; inferring a potentially exceptional transaction based on a corresponding exceptional transaction rule and the received POS non video data; and verifying the inferred potentially exceptional transaction with video data regarding a corresponding POS transaction.08-04-2011
20080243625Sharing Revenue With a User-Selected Entity - The activities of computer users are monetized. More specifically, revenue is generated in response to a revenue-generating event produced in response to a computer user's activity. The generated revenue is shared between a coordinating entity and an entity selected by the user.10-02-2008
20120047035CENTRAL SAVINGS MANAGEMENT SYSTEM - A central savings management system and method is provided. A central savings management system is comprised of a data storage device with a storage medium associated with a customer, a point of sale device for receiving currency in at least a first transaction associated with at least one commercial environment from the customer, the point of sale device operatively coupled with the data storage device, wherein the point of sale device displays an option to retain a portion of the currency from the at least a first transaction, and a management system operatively coupled to the point of sale device, configured to receive the portion of the currency from the at least a first transaction, the management system including a processor, a memory, a server, a customer database communicatively linked with the at least one commercial environment storing the portion of the currency from the at least a first transaction, and a web module for displaying portions from a plurality of commercial environments to the customer.02-23-2012
20120005031REAL-TIME SYSTEM AND METHOD FOR TRACKING, LOCATING AND RECHARGING ELECTRIC VEHICLES IN TRANSIT - The present invention provides computer-controlled electric battery charging systems and methods for charging a battery of a roaming electric vehicle, the system comprising an electric vehicle comprising at least one battery, a master charger vehicle comprising a master battery module and a control system in communication with the at least one electric vehicle and the master charger vehicle to enable the master charger vehicles to reach the electric vehicle, wherein the master battery module is adapted to charge the at least one battery.01-05-2012
20120116899MANAGEMENT OF PROSPECTIVE CUSTOMER DATA OVER A COMMUNICATIONS NETWORK - A method and computer system for managing prospective customer data in a central repository over a communications network is disclosed. The method includes receiving profile data from a prospective customer, storing the profile data in a central data repository, displaying the profile data for viewing by a representative, wherein selected profile data is highlighted for use by the representative in selling to the prospective customer, generating a schedule of actions pertaining to the prospective customer based on the profile data, wherein an action includes sending a communication to the prospective customer, transmitting one or more communications to the prospective customer based on the schedule of actions, receiving updates regarding results of the communications transmitted to the prospective customer and augmenting the profile data of the prospective customer in the central repository with the results of the communications transmitted to the prospective customer.05-10-2012
20120011008INTERFACE MODULE, SYSTEM AND METHOD - An interface module is provided for a sales processing system that facilitates the integration of a payment system and external systems with the sales processing system. In one implementation, the interface module includes a first interface configured to support a first protocol for communication with a sales processing module of the sales processing system, a second interface configured to support a second protocol for communication with a payment system, and a third interface configured to support a third protocol for communication with a transaction system for external services. The interface module further includes a controller operable to control routing of messages between the first, second and third interfaces, and reformatting of the messages in accordance with the first, second and third protocols, respectively.01-12-2012
20120066077OVERAGE SERVICE VIA MOBILE DEVICE - In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service via a mobile device. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) prompting the holder to consent to the overage via the mobile device, where the holder is associated with the mobile device; (d) receiving the holder's consent to the overage; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.03-15-2012
20120066080SYSTEM 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.03-15-2012
20120066078OVERAGE SERVICE USING OVERAGE PASSCODE - In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service using an overage passcode. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) receiving an overage passcode associated with the account; and (d) authorizing the transaction based at least partially on the receiving the overage passcode.03-15-2012
20120016755Check Processing And Funds Verification - A system and method of verifying sufficient funds in an account associated with a negotiable instrument, such as a check, money order, traveler's check, etc., received for payment is provided. The verification of funds may be provided prior to accepting the check as payment. In some examples, the check may be scanned into a funds verification system at a back office or front end system, such as a check out lane, point of sale system, etc., of a merchant, vendor, service provider, etc. receiving the check for payment. The scanned image of the check may be transmitted to a financial institution associated with the merchant, vendor, service provider, etc. and the financial institution may verify that sufficient funds exist. If sufficient funds exist, the check may be deposited into an account of the vendor, merchant, service provider, etc. at the financial institution.01-19-2012
20120016756Method and System for Providing a Distributed Adaptive Rules Based Dynamic Pricing System - A system for providing distributed control to process transactions is disclosed. The system includes a service provider system having associated therewith a number of rules and a number of meta-rules, a point of service device having associated therewith a number of rules and a number of meta-rules, and a portable device having associated therewith a number of rules and a number of meta-rules. The portable device uses its associated rules to determine an outcome for a transaction. If the portable device is unable to determine the outcome for the transaction, the portable device uses its associated meta-rules to either determine whether one or more of its associated rules can be altered locally in order to determine the outcome or request the point of service device to help determine the outcome using the rules and meta-rules associated with the point of service device. If the point of service device is unable to determine the outcome using its associated rules, the point of service device uses its associated meta-rules to either determine whether one or more of its associated rules can be altered locally in order to determine the outcome or request the service provider system to help determine the outcome using the rules and meta-rules associated with the service provider system.01-19-2012
20120022957System and Method of Managing Contactless Payment Transactions Using a Mobile Communication Device as a Stored Value Device - A method handling payment transactions in a system using mobile communication devices as stored value devices is disclosed. A transaction operations server receives multiple records of the transaction from the stored value device—one via a communication channel through the telecommunication provider network, and another via an independent communication channel. The records are reconciled at the transaction server for transaction verification.01-26-2012
20120022955SYSTEM AND METHOD FOR PROCESSING DONATIONS OF STORED VALUE ACCOUNTS - A system for processing donations of stored value accounts includes a user interface configured to receive a first account identifier, a first issuer identifier, and a first donee identifier; and a donation processor configured to process the first account identifier, the first issuer identifier, and the first donee identifier and to transmit the first account identifier and the first donee identifier to a first issuer associated with the first issuer identifier.01-26-2012
20120022956SYSTEM AND METHOD FOR PROVIDING RECEIPTS, ADVERTISING, PROMOTION, LOYALTY PROGRAMS, AND CONTESTS TO A CONSUMER VIA AN APPLICATION-SPECIFIC USER INTERFACE ON A PERSONAL COMMUNICATION DEVICE - Systems and methods for performing a consumer advertising transaction at a retail device are disclosed. According to one system and method, an identifier associated with the retail device is provided to a personal communication device. An application-specific user interface specific to the retail device is associated based on the identifier. A selection is received for the consumer advertising transaction made by a consumer interacting with the application-specific user interface executing on the personal communication device. The consumer advertising transaction is performed based on the received selection for the consumer advertising transaction made by the consumer interacting with the application-specific user interface.01-26-2012
20110093351Mobile Payment Station System and Method - A mobile device is used to initiate and execute a transaction between a customer and a merchant. A mobile device is used to initiate a point of sale transaction, wherein a merchant ID is sent to a payment processing server. Responsive to receiving a communication from the mobile device, the payment processing server requests transaction information from the merchant, wherein the merchant is identified based on the provided merchant ID. The merchant can provide transaction information such as the total sale amount to the payment processing server. The payment processing server can authenticate the customer and initiate a purchase transaction with the appropriate financial institutions associated with the customer and the merchant. The payment processing server can send a confirmation of the executed transaction to the merchant and the mobile device.04-21-2011
20120209731COMPUTER-BASED FUND TRANSMITTAL SYSTEM AND METHOD - A fund transmittal system includes a first agent portal module for receiving funds from a first entity to initiate a first fund transaction. The system includes a transaction network and a transaction processor. The first agent portal module routes the first fund transaction to the transaction processor via the transaction network. The transaction processor supplies an authorization code associated with the first fund transaction to the first entity. The first entity provides the authorization code to a second entity. The system includes a second agent portal module that receives the authorization code from the second entity to initiate a second fund transaction. The second agent portal module routes the authorization code to the transaction processor via the transaction network. The transaction processor approves the second fund transaction in accordance with the authorization code. Upon approval, the second agent portal module supplies the funds to the second entity.08-16-2012
20120066079POINT OF SALE SYSTEM - Methods, systems and computer program products for facilitating point of sale transactions and payment transactions.03-15-2012
20120072295SYSTEM FOR FACILITATING MULTI-CHANNEL PURCHASE OF FSA ELIGIBLE ITEMS - In a database that is associated with the retailer POS system, inventory is flagged as being FSA-eligible and a retailer POS system is programmed to support FSA debit card auto-adjudication, i.e., the retailer POS system is IIAS certified. The FSA-eligible information that is stored in the retailer POS database is also used to flag for a customer FSA-eligible items presented to the user online, e.g., in an online catalog. When an FSA-eligible item is purchased on-line or at a retailer POS, the FSA debit card information is captured and the purchase transaction is processed by the retailer POS system so the customer has easy access to FSA purchases via either channel.03-22-2012
20090150246AUTOMATIC FILTERING OF POS DATA - An inventive system and method for processing transactional data in a point of sale environment is provided. The system includes a video device that can record video output, a POS terminal that generates unfiltered transactional data, a filtering unit that filters the unfiltered transactional data to create filtered transactional data, and a recording device that can combine said video output and said filtered transactional data, such that the filtering unit filters the unfiltered transactional data using automatic rules identification. A POS printer that prints the unfiltered transactional data can also be included, such that the filtering unit transmits unfiltered transactional data to the POS printer.06-11-2009
20120253954PAYMENT VERIFICATION SYSTEM - A device comprising a processor, a display coupled to the processor, a keypad, and a memory. Wherein the memory includes processor-readable instructions operable to receive sales transaction information, present said sales information on the display, receive a verification indication from a customer and store the sales transaction information locally or on a remote system. The sales transaction information may include a running total of sales. Also disclosed is an administration operation wherein an administrator may enter a password or PIN to collect the total sales information and reset the running total. Certain embodiments may provide for customer policing of cash sales and increased reporting of sales transactions to landlords, franchisors, sate and local governments.10-04-2012
20120158528EFFICIENT TRANSACTIONS AT A POINT OF SALE LOCATION - Systems and methods are provided for efficient transactions according to one or more embodiments. According to an embodiment, a method for efficient transactions comprises associating an identifier to a seller, wherein the identifier is adapted to in turn be provided to a user in connection with one or more transactions at a point of sale (POS) location, and wherein the identifier is mapped to particular identification information of the seller at a remote location. The method also comprises receiving, at the remote location, input from a user device upon the user selecting the user device in connection with the one or more transactions, wherein the input includes the identifier and is made at the POS location. Furthermore, the method comprises facilitating the one or more transactions based on the received input including the identifier that is mapped to the particular identification of the seller. In one or more embodiments, the method further comprises providing information to the seller confirming the facilitating of the one or more transactions.06-21-2012
20110066513METHOD AND SYSTEM FOR SECURE MOBILE PAYMENT - A method for processing a payment relating to a transaction between a debtor and a creditor. The method includes displaying an amount of payment, and transmitting an authorisation message between a first node associated with a payment service provider system and a second node associated with a debtor instrument on a second network. Each node is separately and securely identified by a node identifying code. The authorisation message communicates an authorisation code. In verifying, a response message on a first network is transferred from the payment service provider system to a creditor instrument, when the payment service provider system receives the authorisation code in association with a debtor identifying code.03-17-2011
20110066512Applications of Stored Value Card - Methods and systems for secure transactions.03-17-2011
20120136733TECHNIQUES FOR SECURE CREDIT CARD TRANSACTIONS - A consumer registers a credit card at a point-of-sale device for additional security. The point-of-sale device does not require the additional security for processing credit card transactions. Subsequently, when the consumer presents the credit card at the point-of-sale device for a particular credit card transaction, the additional security is provided by the consumer and verified before the credit card and the particular credit card transaction is permitted to be sent to a card processor associated with the credit card.05-31-2012
20120123881SYSTEMS AND METHODS FOR RISK TRIGGERING VALUES - 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.05-17-2012
20120123879Verification of a Transactor's Identity - A system for facilitating a financial transaction between a prospective transactor and a transactee has an identity and account verifying facility for verifying the identity of the prospective transactor and an account that the prospective transactor has with a financial institution, the identity and account verifying facility being operated by an independent verifier. The identity and account verifying facility includes a storage means for storing an identifier of the prospective transactor and details of at least one account held by the transactor at the financial institution. An identifier input means is provided whereby the transactor enters his identifier when he subscribes to the service. An account details obtaining means for obtaining details of the transactor's account with the financial institution, an identifier input means whereby the transactor enters his identifier; and a communicating means for communicating with the independent verifier are located at the transactee, for furnishing the account details and the identifier to the verifier and for receiving a verification confirmation or rejection from the verifier, prior to the transactor conducting the financial transaction with the transactee.05-17-2012
20120316975Systems and methods for electronic gifting - Disclosed herein are systems and methods for electronic gifting. In an exemplary gift purchasing method, a control system receives from a purchasing system a gift purchase request that includes a mobile telephone number (or other unique telephonic identifier) associated with a wireless gift recipient system, sends to a payment authorization system a payment authorization request, receives a payment authorization, and notifies the wireless gift recipient system of an electronic gift certificate. In an exemplary gift redemption method, the control system receives a gift redemption request for goods/services from a point-of-sale (POS) system, sends an authentication request addressed to the wireless gift recipient system by way of text message or other format, receives an authentication confirmation originating from the wireless gift recipient, and sends a redemption authorization to the vendor POS system. The control system has modules for conducting a targeted marketing campaign utilizing purchase and/or redemption information.12-13-2012
20120123882Cardless Challenge Systems and Methods - Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Challenge questions may be presented from the non-merchant to the consumer after receiving the payment information, thereby allowing a judicious determination of when to ask such challenge questions and allowing complex and probative questions. The time limit for such challenge questions may advantageously be unconstrained, while still preserving security. Also, a risk analysis may be started prior to the consumer submitting payment information, thus allowing an efficient and complex risk analysis. Information about an access device used by the consumer may be obtained at the non-merchant from the access device with code sent to the access device from the merchant, and the device information may be used in the risk analysis.05-17-2012
20120123880System and Method for On Demand Diagnostics of A Device Utilizing Secure Data to Interact Wirelessly with One or More Third Party Systems - A system and method for remotely diagnosing a failure in a mobile transaction is disclosed. The system includes a portable communication device having a diagnostics agent configured to transmit the communication device's unique identification number and present status over a mobile network. The system further includes a retailer subsystem in short proximity communication with the communication device, and a remote system management back end in wireless communication with both the communication devices and the retailer subsystem. The system management back end has a diagnostics management system configured to receive failure data and RF presence data from the portable communication device, and to diagnose the failure based on such data. The system also includes a mobile network in communication with the system management back end, via which the diagnosis and hopefully a solution are wirelessly transmitted to the end user.05-17-2012
20120233003PROVIDING RETAIL SHOPPING ASSISTANCE - Systems, methods, and computer program products are provided for using real-time video analysis and AR or the like to assist the user of mobile devices with commerce activities. Through the use of real-time vision object recognition products, points of sale or other retail shopping objects can be recognized in the real-time video stream and can be matched to shopping assistance related information regarding the retail shopping object. The shopping assistance related information may be presented to the user of the mobile device in conjunction with display of the associated retail shopping object in a live video stream or presented audibly or otherwise non-visually. In some embodiments, the mobile device functions as a transaction device.09-13-2012
20120084163SYSTEM AND METHOD FOR DYNAMIC FOB SYNCHRONIZATION AND PERSONALIZATION - A system generally for personalizing and synchronizing fob data in the context of a distributed transaction system is disclosed. A dynamic fob synchronization system may comprise point of service (POS) devices configured with transponder-readers to initiate a transaction in conjunction with a fob, an enterprise data collection unit, and a fob object database update system. In an exemplary embodiment, a dynamic synchronization system (DSS) may comprise a personalization system and an account maintenance system configured to communicate with a fob object database update system (FODUS). Personalization of multi-function fobs may be accomplished using a security server configured to generate and/or retrieve cryptographic key information from multiple enterprise key systems during the final phase of the fob issuance process.04-05-2012
20120084162Systems and methods for conducting a composite bill payment transaction - The present invention is directed to systems and methods of conducting a payment system, facilitated between a computerized processor, a point-of-sale, a customer, and one or more payees to whom the customer wishes to make a payment. The method including the steps of: receiving composite payment transaction information from the customer—including identifying information of the one or more payees and an indication of the an amount of value the customer wishes to pay to each of the one or more payees, associating an identifier with the composite payment transaction information, providing the identifier to the customer, receiving the identifier from the point-of-sale, receiving an amount of value from the point-of-sale, and providing value to the one or more payees in the amount indicated by the customer in the composite payment transaction information. The system configured to provide payment in a similar manner.04-05-2012
20120173350MOBILE APPLICATION FACILITATING RESTAURANT ACTIVITIES AND METHODS THEREOF - The present disclosure relates to a client application and system for facilitating restaurant activities between a hostess, attendant and others involved in a restaurant. In one illustrative embodiment, an attendant for customers logs into the application. Through the application, the attendant can assign a table to the customers. Menu items can be displayed to the customers for order. The attendant in turn can take orders from the customers and provide them wirelessly to a point-of-sale. In the kitchen, the order can be received from the point-of-sale and processed. Thereafter, payment can be calculated for the orders. The calculated payment can be processed directly on the application or at the point-of-sale. When processed on the application, the payment is then displayed to the customer. The attendant can receive payment from the customers. The attendant can then close the session for the customers of the table.07-05-2012
20120173349ELECTRONIC TRANSACTION SYSTEM - An electronic transaction system uses an electronic transaction device; and a plurality of balances, each being linked to the transaction device and electronically stored in association with a transaction scheme. Transaction processing means processes a transaction request to provide an outcome in which the balances associated with the transaction scheme may be modified.07-05-2012
20120173348Systems and Methods to Process Payments via Account Identifiers and Phone Numbers - Systems and methods are provided to facilitate transactions via mobile communications. In one aspect, a system includes a data storage facility and an interchange coupled with the data storage facility that stores data associating a phone number of a user and an account identifier of the user. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats and with the common format processor in a common format. The common format processor uses one of the converters to transmit premium messages to the phone number to collect funds via a telecommunication carrier, receives a payment request having the account identifier, identifies the phone number based on the account identifier, and makes a payment on behalf of the user using the collected funds.07-05-2012
20120130831SYSTEM AND METHOD FOR DISPUTING INDIVIDUAL ITEMS THAT ARE THE SUBJECT OF A TRANSACTION - A system and method for disputing individual items that are the subject of a transaction includes storing, in a database, a record of a transaction in which a plurality of goods or services were sold to an individual that owns a transaction card through which access to monetary funds may be obtained, so that the transaction is identified by a transaction identifier. Also, information identifying each good or service that is a subject of the transaction is associated with said transaction identifier. A cost associated with one of the goods or services associated with the transaction identifier is disputed, without subjecting costs of all goods or services that are associated with said transaction identifier to dispute.05-24-2012
20120136732METHOD AND SYSTEM FOR ACCOUNT MANAGEMENT AND ELECTRONIC WALLET ACCESS ON A MOBILE DEVICE - A method and system are described that facilitate efficient and secured management of a mobile payment account by an electronic wallet on a user portable electronic device, the electronic wallet for conducting payment transactions with a merchant point of sale terminal over a contactless communications link. In an aspect, the electronic wallet provides for the real-time addition of one or more users authorized to use the mobile payment account associated with the electronic wallet from their own respective portable devices, in a secure and efficient manner.05-31-2012
20120136734SELECTIVELY SWITCHING ANTENNAS OF TRANSACTION CARDS - The present disclosure is directed to a system and method for selectively switching antennas of transaction cards. In some implementations, a method includes physically interfacing a card with a mobile host device including a Graphical User Interface (GUI). The card executes wireless financial transactions independent of the mobile host device. User credentials used to execute financial transactions with retail terminals are stored. Information is presented through the GUI of the mobile host device. An antenna of the card is selectively switched between an activate state and an inactive state in response to at least an event.05-31-2012
20110184820MOBILE DEVICE CONSUMER INTERFACE PROCESS AND SYSTEM - Systems, methods, and computer program products are provided for assisting a consumer during a transaction with a vendor at a point of sale by providing transaction information to the consumer via consumer-readable communications. In one embodiment, a payment terminal proximate the point of sale communicates a transaction information signal to the mobile device. The mobile device communicates the transaction information to the consumer in a consumer-readable format such as audible sound waves. In some embodiments, the consumer-readable communications include requests for consumer input. The consumer input is received by an input device proximate the mobile device and communicated to the payment terminal. In some embodiments consumer input is received by the payment terminal as well as the mobile device, and in some embodiments, the consumer chooses whether to use the mobile device as an interface or only to use the payment terminal.07-28-2011
20100174612METHODS, APPARATUS AND ARTICLES FOR USE IN ASSOCIATION WITH TOKEN - In some embodiments, a method comprises receiving a request from a customer to temporarily associate a token issued to the customer with a payment account associated with the customer, and temporarily associating the token with the payment account in response at least in part to the request. In some embodiments, a method comprises issuing a token to a customer before the token is associated with a payment account; and arranging for the customer to have an ability to request that the token be associated with a payment account and usable as a payment token. In some embodiments, a method comprises receiving a mapping associating an identifier of a token with a payment account; receiving the identifier from a point of sale system; and determining the payment account based at least in part on the mapping and the identifier received from the point of sale system. In some embodiments, apparatus comprises: a processing system to: receive a request from a customer to temporarily associate a token issued to the customer with a payment account associated with the customer, and temporarily associate the token with the payment account in response at least in part to the request. In some embodiments, apparatus comprises: a processing system to: receive a mapping associating an identifier of a token with a payment account; receive the identifier from a point of sale system; and determine the payment account based at least in part on the mapping and the identifier received from the point of sale system.07-08-2010
20100174611Method for improving financial transaction security - Methods are disclosed for performing cardholder verification associated with a customer card transaction through use of code sequences delivered independently to a point of sale terminal and to a customer unit (e.g., mobile phone). A point of sale terminal initiates a customer card transaction by sending a card number to a customer card processing system. An application server receives the card number and generates a code sequence corresponding to the transaction. The application server sends a first instance of the code sequence to the point of sale terminal and a second instance of the code sequence to the customer unit associated with the card number. Authorization status of the transaction is thereafter determined by an operator of the point of sale terminal comparing the first and second instances of the code sequence.07-08-2010
20120173347Automatic System and Method for Tracking and Decoding Barcode by Means of Portable Devices having Digital Cameras - The present invention patent application refers to a system and method for automatic tracking and decoding barcode image on the standard EAN-13 through portable devices equipped with digital cameras.07-05-2012
20120215648DYNAMIC PAYMENT OPTIMIZATION APPARATUSES, METHODS AND SYSTEMS - The DYNAMIC PAYMENT OPTIMIZATION APPARATUSES, METHODS AND SYSTEMS (“DPO”) transform requests for on-demand and flexible monetization and related services via DPO components into currency transfers, purchase receipt notifications, social networking communications and transaction analytics reports. In some embodiments, the DPO obtains a user product purchase request for a user engaged in an online experience at a point of sale device. The DPO parses the user product purchase request, and thereby identifies at least one attribute of at least one of: the user; the online experience; and the point of sale device. The DPO customizes one or more properties of a user interface for initiating a purchase transaction related to the user product purchase request, according to the identified at least one attribute of the user, the online experience or the point of sale device; and providing the customized user interface.08-23-2012
20120215647SYSTEMS AND METHODS FOR PROMOTING PRODUCTS AND SERVICES - Disclosed are systems and methods for promoting products and services in a retail environment.08-23-2012
20120221421SECURE ANONYMOUS TRANSACTION APPARATUSES, METHODS AND SYSTEMS - The SECURE ANONYMOUS TRANSACTION APPARATUSES, METHODS AND SYSTEMS (“SAT”) transform hardware-verified user authentication requests via SAT components into secure transaction notifications. In one implementation, the SAT obtains a secure anonymous transaction user authentication request. The SAT verifies the authenticity of a user, using the secure anonymous transaction user authentication request. The SAT obtains an authenticated purchase order, in response to which it generates a one-time anonymous card account. Using the one-time card account, the SAT generates an anonymized purchase order for a merchant, and provides the anonymized purchase order. On obtaining a purchase notification for the anonymized purchase order, the SAT provides a real-time notification for a user of the purchase notification. Also, on obtaining notification of a shipment related to the anonymized purchase order to an anonymized address, the SAT generates an order to re-route the shipment from the anonymized address to an actual shipment address of the user.08-30-2012
20120221420DYNAMIC DETERMINATION OF APPROPRIATE PAYMENT ACCOUNT - Embodiments of the invention are directed to a system, method, or computer program product for dynamically determining an appropriate payment account for a transaction. Embodiments of the invention allow a user to receive a transaction request and subsequently the transaction is applied to the appropriate payment account. Applying the transaction to the appropriate payment account is based on the type of transaction, the payment accounts available to the user, financial institution considerations, financial plans of the user, customer plans of the user, etc. This invention allows a user to make a purchase at a point-of-sale and have confidence that the transaction will be implemented to the payment account that provides the best promotional benefits for the customer based on the customer's individual needs.08-30-2012
20120179559METHODS AND SYSTEMS FOR PROCESSING TRANSACTIONS - Methods and systems are provided for processing a transaction between a first party and a second party. Information defining terms of the transaction and identifying a presentation instrument are received at a host system. Preference information associated with the presentation instrument is retrieved with the host system. The preference information specifies terms for an allocation of transaction amounts among multiple transaction types. An amount for the transaction is allocated among the transaction types in accordance with terms of the transaction and the terms for the allocation.07-12-2012
20100274677ELECTRONIC PAYMENT APPLICATION SYSTEM AND PAYMENT AUTHORIZATION METHOD - The system contains a virtual POS terminal's unit in the user's personal device. The mobile communication device (10-28-2010
20120179558System and Method for Enhancing Electronic Transactions - A system and method that enables a consumer or merchant to configure their own respective requirements for using and accessing one or more financial accounts in connection with a financial transaction between a consumer and a merchant. Requirements can include any number of factors including the credit profile of the user, the size of the transaction, the location of the merchant or user, the device used by the user or merchant to perform the transaction. Once requirements have been met for at least one financial account, permitting the completion of a financial transaction using one or more of the financial accounts that have had its requirements met.07-12-2012
20100306069Method and System for Purchasing Non-Fuel Merchandise - The present methods and systems (including computer software, computer hardware, and an intermediary system) facilitate a transaction for non-fuel merchandise items at any fuel dispenser during a pre-pay or post-pay inside the store fuel sale. Consumers can select non-fuel merchandise items at a fuel dispenser (either via a fuel dispenser key pad or a separate computerized customer interface, attached to a fuel dispenser) at the time they are selecting their fuel at the fuel dispenser.12-02-2010
20120253953ADJUSTMENT OF A SECURITY LEVEL OF A TRANSACTION SYSTEM BASED ON A BIOMETRIC CHARACTERISTIC OF A CUSTOMER - Methods and systems for adjusting a security level of a transaction system based on biometric characteristics of a customer are disclosed. According to an aspect, a method includes interacting with a customer at a transaction terminal. The method also includes determining a biometric characteristic of the customer based on the interaction with the customer. Further, the method may include adjusting a security level of a transaction system based on the biometric characteristic.10-04-2012
20120259715INFORMATION GATHERING AND DECODING USING NEAR FIELD WIRELESS COMMUNICATION - An information gathering apparatus, such as a point-of-sale (POS) system may include a wireless data capture device capable of obtaining customer information from a wireless-enabled customer device. Data obtained by the wireless data capture device may be converted into a format that is compatible with a corresponding POS computer system. The wirelessly obtained data may be transmitted to the POS system along with data gathered using conventional data capture devices, such as optical readers, bar code scanners, radio frequency identifier (RFID) readers, and the like.10-11-2012
20120259716Method for Processing a Point of Sale Transaction Posted to a Credit Balance - The present invention provides a method for processing a point of sale transaction posted to a credit balance, wherein parameters are used to determine whether a transaction posted to a credit balance is electronically paid using a separate payment balance.10-11-2012
20120191553POINT OF SALE PAYMENT SYSTEM - A method for point of sale payments includes receiving, from a seller device over a network, payment information. The payment information is associated with payment code information in a database. The payment code information is then sent to the seller device over the network for posting at a service location. The payment code information is then captured by a payer device at the service location and transmitted over the network. The payment information is then retrieved from the database using the associated payment code information. The payment information is then sent to the payer device over the network. A payment confirmation is received from the payer device over the network and, in response, a payment from a payer account to a seller account is initiated and the payment information and an indication of the payment confirmation is sent to the seller device over the network.07-26-2012
20120191555METHOD AND APPARATUS FOR PROVIDING AND PROCESSING INSTALLMENT PLANS AT A TERMINAL - According to some embodiments, a central controller receives a selection signal. If the selection signal indicates acceptance of any installment plan, use of the accepted installment plan for the financial account is authorized. Thereafter, bills may be generated that reflect installment charges to be paid.07-26-2012
20120191554FOOTCARE PRODUCT DISPENSING KIOSK - A kiosk apparatus that may select for a person a recommended footcare product based on pressure measurements collected from pressures sensors or calculated biomechanical data estimates. Pressure measurements and calculated biomechanical data estimates may be used to determine if a foot is unshod on the pressure sensor and also group a person into a classified subgroup. The pressure measurement and calculated biomechanical data estimates may also be used to select a recommended footcare product.07-26-2012
20130173404REAL-TIME USER FEEDBACK - A service provider determines a user's location when the user requests to make a payment through the service provider. After the payment processed, the user is provided a feedback form on the user device, such as a smart phone, while the user is still at the payment location. The feedback form may include different ways for the user to quickly and easily provide feedback on the transaction, including speaking into the user device, entering comments, selecting from a list of ratings or satisfaction indicators, etc. The user is then able to provide feedback, which is communicated back to the service provider. The service provider can associate the feedback with the particular transaction and communicate the feedback to the merchant or other parties associated with the transaction, including management, employees, etc.07-04-2013
20080300992Interface Controller that has Flexible Configurability and Low Cost - In one embodiment, an apparatus comprises serializer/deserializer (SERDES) circuits. Each SERDES circuit provides data received from a respective lane to which the SERDES circuit is coupled. A receive pipe is coupled to the SERDES circuits and comprises accumulate buffers, multiplexing levels, accumulate buffer counters, control registers, and control logic. Each accumulate buffer corresponds to a respective port configurable over the plurality of lanes. A first level of the multiplexing levels is coupled to receive data from neighboring lanes on one input and the data from the neighboring lanes connected in reverse order on the other input. Each multiplexor at each other level is coupled to receive outputs of neighboring multiplexors from a next lower level on one input and the outputs connected in reverse order on the other input. Each configuration register corresponds to a respective port, indicating an initial lane assigned to the respective port and a size of the port. The control logic is configured to generate select signals responsive to respective bits of the buffer counters and respective bits of initial lane numbers.12-04-2008
20110004526PORTABLE CONSUMER DEVICE VERIFICATION SYSTEM - A method for verifying a portable consumer device. The method includes receiving an authorization request message associated with a transaction conducted using a portable consumer device. The portable consumer device includes a portable consumer device fingerprint. The authorization request message includes an altered portable consumer device fingerprint and an algorithm identifier. The method also includes selecting an algorithm from among a plurality of algorithms using the algorithm identifier, determining the portable consumer device fingerprint using selected algorithm and the altered portable consumer device fingerprint, determining if the portable consumer device fingerprint matches a stored portable consumer device fingerprint, and sending an authorization response message after determining if the portable consumer device fingerprint matches the stored portable consumer device fingerprint.01-06-2011
20110131102SECURE MOBILE PAYMENT PROCESSING - A system for processing payment data includes a payer terminal, a recipient terminal, and a payment server. The payer terminal is adapted to return, to the recipient terminal, encrypted payment request data upon reception of the recipient information transmitted from the recipient terminal, wherein the payment request data comprises payer information, recipient information and a payment amount. The recipient terminal is adapted to forward the encrypted payment request data and the payment amount to the payment server. The payment server is adapted to verify the encrypted payment request data and the payment amount, to perform a payment according to a verification result, and to return encrypted payment result data to the recipient terminal. The recipient terminal is further adapted to return the encrypted payment result data to the payer terminal.06-02-2011
20120239514METHODS AND APPARATUS TO OBTAIN TRANSACTION CONFIRMATION - Methods and apparatus to obtain transaction confirmation are described. One example method includes emulating a payment method using a close-proximity communication device of a mobile device, establishing a close-proximity communication link using the close-proximity communication device of the mobile device, transferring payment information from the mobile device using the close-proximity communication device, switching the close-proximity communication device of the mobile device to an information receiving communication mode, and receiving a transaction confirmation at the close-proximity communication device of the mobile device. Other implementations are possible.09-20-2012
20120265624System for Packaging, Processing, and Activating a Bundled Greeting and Gift Card - A greeting card stored-value card combinations and methods of forming said combinations are provided. In one embodiment, these combinations include a greeting card comprising means for affixing a stored-value card thereto. These combinations also include a stored-value card affixed to the greeting card. A single identifier, such as a Stock-Keeping Unit (SKU) or a Universal Product Code (UPC), is assigned to the bundle that uniquely identifies the bundled greeting card and stored-value card. The single identifier provides identification means allowing the stored-value card to be activated. A single capture of the single identifier enables the customer to both purchase the greeting card stored-value card combination product as well as to activate the store-value card.10-18-2012
20120265623AUTOMATIC INFORMATION DISTRIBUTION SYSTEM BETWEEN INDICIA READER SYSTEM AND MOBILE DEVICE - Provided is a method for doing business, which comprises the steps of providing an indicia reader at a point of transaction (POT), capturing a digital image with the indicia reader at the POT and archiving the digital image.10-18-2012
20120323708Web-based Application and Mobile Application for Purchasing and Redeeming Lottery Tickets - A user interface for purchasing and redeeming lottery tickets, implemented through either a web-based application or a mobile application, where the application either resides on or communicates with a point of sale system on a lottery vendors server, and the lottery vendors server has no writable communication with the lottery facility where the winning numbers are determined and where lottery monies are held. The user interface also has several features that facilitate the automatic play of lottery games, and it can also be used to implement scratch-off type lottery games.12-20-2012
20120323709System And Method For Registration Of An Electronic Device - A method for registering an electronic device includes receiving a transaction code and purchaser information associated with a purchase of an electronic device. While the transaction code is associated with the purchase of the electronic device, it does not uniquely identify the electronic device purchased. The method also includes receiving from the electronic device the transaction code and a device identifier that uniquely identifies the electronic device. The device is registered by associating the purchaser information and the device identifier via the transaction code.12-20-2012
20120089470LOCATING A PRODUCT OR A VENDER USING A MOBILE COMMUNICATION DEVICE - Systems and methods of using a mobile communication device to locate a product or a vender within a shopping facility. The method comprises receiving, via an input associated with the mobile communication device, a request to locate the product or the vender within the shopping facility, transmitting the request to a remote computer system, and receiving at the mobile communication device from the remote computer system an indication of whether the product or vender is located within the shopping facility, and, if the product or the vender is located within the shopping facility, an indication of the location of the product or the vender within the shopping facility. The remote computer system is configured to determine whether the product or the vender is located within the shopping facility and determine a location of the product or the vender within the shopping facility.04-12-2012
20120089469SYSTEM AND METHOD FOR DYNAMIC FOB SYNCHRONIZATION AND PERSONALIZATION - A system generally for personalizing and synchronizing fob data in the context of a distributed transaction system is disclosed. A dynamic fob synchronization system may comprise point of service (POS) devices configured with transponder-readers to initiate a transaction in conjunction with a fob, an enterprise data collection unit, and a fob object database update system. In an exemplary embodiment, a dynamic synchronization system (DSS) may comprise a personalization system and an account maintenance system configured to communicate with a fob object database update system (FODUS). Personalization of multi-function fobs may be accomplished using a security server configured to generate and/or retrieve cryptographic key information from multiple enterprise key systems during the final phase of the fob issuance process.04-12-2012
20120089467SYSTEM AND METHOD OF CAPTURING POINT-OF-SALE DATA AND PROVIDING REAL-TIME ADVERTISING CONTENT - A tap device is provided that monitors data communications with a point-of-service terminal device and communicates with remote servers that are associated with an external network, a local server that is associated with an internal network and a display for displaying point-of-purchase promotional media. The tap device includes a monitoring device that monitors communication lines of the point-of-service terminal device for data packets having sales transaction data. The tap device includes a trigger database having entries with pre-stored digital message trigger data elements and a processor that communicates with the monitoring device to receive the sales transaction data. The processor generates instructions to search the entries of the trigger database for a match between the pre-stored digital message trigger data elements and the sales transaction data. The tap device includes an engine that releases selected digital messages to the display upon receiving a signal from the processor identifying a match.04-12-2012
20110276418Apparatus, System and Method For Purchaser to Business Payments - A mobile device, a system and method for enabling payment absent communication of payment account information or personal information at a point of sale are disclosed. The purchaser or holder of the payment account is pre-registered with a payment processing system. The purchaser's identity is authenticated and payment account information is communicated only during the pre-registration process. Thereafter, the purchaser uses their mobile device to authorize the payment transaction. The remote payment processing system directs the transfer of funds equivalent to a total purchase price from a first bank supporting the purchaser's payment account to a second bank having a merchant's account. Upon completion of the transfer or instruction, the remote payment processing system sends a confirmation to the merchant and to the purchaser via the mobile device.11-10-2011
20110276417SYSTEM FOR PERSONALIZED PAYMENTS VIA MOBILE AND INTERNET CONNECTED DEVICES - The present invention allows a merchant to accept payments from both a physical (card—Chip/PIN, Magstripe or Contactless) and virtual (internet or server based) payments accounts. The customer decides how they wish to pay. If physical card account then they present the relevant card or tag. If the customer wants to pay by virtual account then the merchant tells the customer what they owe, the customer then uses their mobile or computer to make an internet payment via a server-based wallet, virtual account or internet payment account (i.e. PayPal) identifying the merchant by their merchant identification number. The merchant receives secure confirmation of payment to the PayPod in the form of a text or numeric message.11-10-2011
20120330762EQUIPMENT TO FACILITATE MONEY TRANSFERS INTO BANK ACCOUNTS - Arrangements for transferring money to a bank account, typically when paid in cash or a cash equivalent at a point of sale device, are provided. Transactional information may be transmitted to a host computer system from a point of sale device. The transactional information may include information on a bank account that is to receive the money. At least some of the transaction information may be sent to an intermediary computer system that is configured to interact with a plurality of banking networks and may determine Which one of the banking networks is associated with the bank account that is to receive the money. A request may be transmitted from the intermediary computer network to a local banking network and may include information on the bank account that is to receive the money and an amount of money to deposit.12-27-2012
20120330763Retail Point-of-Transaction Systems, Program Products, and Related Methods to Provide a Customized Set of Identification Data to Facilitate a Retail Transaction Using Electronic Coupons - Retail point-of-transaction systems, program products, and related computer implemented methods to provide a customized set of identification data to facilitate a retail sales point-of-sale transaction which includes the use of one or more electronic coupons is provided. The retail point-of-sale system can include a computer having memory and configured to facilitate one or more transactions each of which include the use of one or more electronic coupons through a retail point-of-transaction terminal positioned remote from, and adapted to be in communication with, the computer. The computer can also include a set of instructions that when executed by the computer cause the computer to redeem one or more electronic coupons for one or more retail transactions responsive to a customized set of identification data provided by the computer responsive to a data profile derived from a set of personal data of at least one of a plurality of remotely positioned users.12-27-2012
20110320292SYSTEMS AND METHODS FOR OBTAINING DEBIT CARD CUSTOMER APPROVAL OF OVERDRAFT FEES - A method for approving a transaction requested by a debit card customer at a point of sale (POS) terminal when completion of the transaction will overdraft a bank account with which the debit card is associated and the debit card customer is permitted to overdraft the bank account is disclosed. The method includes transmitting a denial of the transaction to the POS terminal and transmitting an overdraft approval indication to the POS terminal. The method includes receiving an overdraft request from the debit card customer via the POS terminal and transmitting an overdraft approval and information regarding the bank account and overdraft terms to the POS terminal. The method also includes transmitting an approval of the transaction to the POS terminal after receiving an acceptance by the debit card customer of the overdraft terms via the POS terminal. POS terminals are also disclosed.12-29-2011
20110320291SYSTEMS AND METHODS FOR ASYNCHRONOUS MOBILE AUTHORIZATION OF CREDIT CARD PURCHASES - An exemplary system includes an asynchronous transaction authorization (“ATA”) subsystem configured to record prior approval of transaction parameters from the account holder(s) and approve a transaction with congruent parameters within a subsequent defined time period. If the parameters of a transaction attempt have not been previously authorized by the account holder(s), the parameters of the requested transaction are stored and the transaction is rejected. The ATA subsystem then queries all associated account or card holders (“ACHs”) providing the parameters of the attempted transaction. Upon authorization from the required ACHs, which is a predefined subset of all the associated ACHs, the purchaser and all ACHs may be notified of approval. The subsequent attempted transaction with congruent parameters will be authorized. Communications between a purchaser and a point of sale device may utilize near field communication (“NFC”) technology. Other security measures such as unique PIN and telephone numbers may be used.12-29-2011
20110320290Augmented Reality Money Transfer - According to the invention, a system for performing a money transfer between a sender an a recipient through the use of an augmented reality enabled device is disclosed. The system may include a first mobile device associated with a first entity. The first mobile device may be configured to detect an indicator via an augmented reality subsystem. The indicator may include a characteristic and be associated with a second entity, as well as be configured to associate meta-information with the indicator. The first mobile device may further be configured to receive an input comprising an amount to be transferred from the first entity to the second entity and transmit a set of instructions to a money transfer network. The set of instructions may be based in part on the indicator and the input, and include instructions to perform a money transfer between the first entity and the second entity.12-29-2011
20110320289Mobile Payment System - An apparatus for engaging in wireless commercial transactions includes a mobile phone equipped with a dedicated actuator for initiating a commercial transaction, and an optical input for receiving information concerning prices of goods; a network hub for wireless exchange information between a commercial establishment and said mobile phone within the boundaries of the establishment; and a financial/authorization institution for associating a PIN number with said mobile phone and for authorizing transactions initiated by said mobile phone.12-29-2011
20120101908SYSTEMS AND METHODS FOR RISK TRIGGERING VALUES - 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.04-26-2012
20120290415MOBILE IMAGE PAYMENT SYSTEM - A Mobile Image Payment System (MIPS) for mobile commerce, which enables a Consumer to use a mobile device to make payments for online, Electronic Media, Print Media and POS Transactions. In an embodiment, the Consumer scans an encoded, mobile device scannable image that is displayed by a merchant, to initiate a transaction. The MIPS may complete the transaction by processing information between a Mobile Payment Client residing on the Consumer's mobile device, a Mobile Payment Interface residing on a Transaction Server, and, in a further embodiment, a Mobile Payment Application residing on a merchant's device or POS terminal. The Consumer's mobile device may communicate with a Payment Platform, which may communicate with a Merchant Transaction Server in order to process and complete the mobile transaction. The merchant MDSI can be displayed on any product or advertising medium.11-15-2012
20120290417SYSTEMS, METHODS AND PROCESSOR-READABLE MEDIA FOR CONVERTING COINS TO ELECTRONIC FUNDS DEPOSITED WITH AN ACCOUNT ASSOCIATED WITH A USER AT A POINT OF SALE - Methods, systems and processor-readable media for converting coins at a point-of-sale into electronic funds. Cash can be accepted from a payor for payment of a transaction at a point-of-sale together with identifying information for a virtual coin purse associated with the payor. An amount due for payment and an amount due as change for a settlement of the transaction at the point-of-sale can be reconciled. The virtual coin purse associated with the payor can be credited in a form of electronic funds for change due in lieu of coins with respect to the transaction. The amount due as change and an amount due as bills and an amount due as the coins can be categorized. Bills can be provided to the payor and the amount due as coins are then directed as electronic funds to the virtual coin purse.11-15-2012
20130013430System and Method for Targeted Marketing and Consumer Resource Management - Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers.01-10-2013
20120150670WIRELESS POWER DELIVERY DURING PAYMENT - A system is disclosed for providing wireless power during a payment process. A device requiring power communicates with the power provider and provides payment information for a purchase. The device receives wireless power form the power provider. A consumer may be required to confirm the purchase, the payment information, and receipt of the wireless power.06-14-2012
20120150668METHODS FOR FACILITATING CREATION AND MANAGEMENT OF ITEM LISTS WITH UNIQUE IDENTIFICATION CODES FOR ITEMS AND ASSOCIATING THE LISTS TO SPONSOR'S PAYMENT FINANCIAL TRANSACTION CARD PROGRAMS - A method is provided for multiple retailers to participate in restricted spend card programs. A retailer infrastructure is provided that includes a point of sale server coupled to a store concentrator and to a product tables/price book(s). An adjudication processor and a catalog management processor are coupled to the adjudication processor. The catalog management processor is used to create one or more catalogs of UPC's for each of a participating retailer. Each catalog includes first and second sets of UPC data. The first set is for national brand products and the second set is for retailer private label products.06-14-2012
20130018738FOREIGN CURRENCY SOLUTION - In general terms, the present invention relates to methods and apparatuses for providing a foreign currency solution. In some embodiments, a method is provided that includes: (a) establishing a foreign currency account for a domestic account holder; (b) receiving a domestic currency payment for funding the foreign currency account; (c) exchanging the domestic currency payment to produce an exchanged foreign currency payment; (d) crediting the foreign currency account by the amount of the exchanged foreign currency payment; and (e) authorizing a foreign currency transaction involving the foreign currency account and the domestic account holder. Other embodiments relate to configuring a mobile device to operate as a mobile wallet, such that the mobile device includes a foreign currency account module and/or a domestic currency account module that can be used to engage in both domestic currency and foreign currency transactions.01-17-2013
20110161186EXTENSIBLE FRAMEWORK FOR SUPPORTING DIFFERENT MODES OF PAYMENTS - A method and system for providing an extensible framework for a POS application is provided. A POS application may be extended using a payment format add-in, a workflow add-in, a financial services provider add-in, or a combination of add-ins. A payment format add-in provides support for a payment format not included in the payment formats built into the POS application. A workflow add-in provides a configurable workflow that can be used to extend a built-in payment format or a payment format add-in. A financial services provider add-in provides support for interacting with a financial services provider for which the POS application does not provide built-in support. Each add-in can implement, for example, logic for processing a payment transaction, a portion of a payment transaction, and configuring steps for processing a payment transaction.06-30-2011
20110161184Weight detection for cashier checkout terminals - Weight detection mechanisms for cashier checkout terminal are provided. When a transaction by a customer concludes at a cashier checkout terminal, a check is made to determine if a product was left behind on a baggage unit associated with the cashier checkout terminal. When excess weight is detected on the baggage unit at the conclusion of the transaction, one or more alerts are generated to raise awareness with the customer that the product has not been retrieved by the customer from the baggage unit.06-30-2011
20130024303PAYMENT PROCESSING SYSTEM AND METHOD - A method for effecting payment for goods or services provided by a supplier comprising • providing a centralised payment controller (CPC); • conducting a transaction between a supplier of goods or services and a purchaser of those goods or services; • communicating transaction data from the point of the sale to the CPC; • in accordance with the data provided to the CPC, the CPC then arranging for funds to be provided by a funding entity, either directly or via the CPC, to the supplier, those funds corresponding to the supplier's invoice minus any relevant fees or changes; and • the CPC arranging for the purchaser to make payment(s) to the funding entity, either directly or via the CPC, over an agreed period of time, the payment(s) corresponding to the supplier's invoice plus any relevant fees or charges payable to the funding entity or the CPC.01-24-2013
20130024304SETTLEMENT SYSTEM - To provide a settlement system capable of being switched between a cash desk payment style and a pay station payment style at a given timing in the same store. The present invention is a settlement system including a cash settlement apparatus and a cash register, wherein a layout is capable of being switched between a cash desk payment style in which the cash settlement apparatus is incorporated in a cash register lane, and a pay station payment style in which the cash settlement apparatus is separated from the cash register lane.01-24-2013
20080235101System and method of presenting assets related to media content - In a particular illustrative embodiment, a method is disclosed to present assets related to media content. The method includes receiving a request for an electronic storefront from a destination device, identifying media content received at the destination device based on the request, and generating an electronic storefront. The electronic storefront includes at least a first selectable indicator of a first asset and a second selectable indicator of a second asset. The first asset and the second asset are selected from a plurality of assets based on the media content.09-25-2008
20110246314Cash management system and method - The present invention relates to a new system and method for conducting business that provides a fully integrated cash management system for easily accessible, real-time cash flow figures for all vaults, sub vaults, banks, mini banks, point-of-sale (POS) stations, ticket redemption kiosks and automated teller machines (ATM) for casinos, gaming centers, and casino resorts. The invention may be utilized in multiple sites and utilized for resorts, retail in general, banks, stadiums, theme parks and so forth.10-06-2011
20110246313System and Method for Controlling Outdoor signs - A system for controlling outdoor price signs for fuel products includes a control center. The control center determines a price for a fuel product for a number of fuel stores. The control center receives a variety of data that may have an impact on fuel prices, including competitive data from a neighborhood store. The control center has a number pricing formulas and applies a selected formula to set a fuel price at one of the fuel stores. The price is sent to a store controller. The store controller passes the fuel price information to a point of sale device that updates a pump price and an outdoor controllable sign. The sign includes feedback that it not only received the correct price but that it correctly displays the price and the price is legible.10-06-2011
20110246315SYSTEM FOR STRUCTURED ENCRYPTION OF PAYMENT CARD TRACK DATA - A system may include a point-of-sale system that gathers payment card track data from a payment card and a payment card gateway that processes the track data to authorize purchase transactions. The point-of-sale system may remove sensitive data such as a portion of a primary account number from the track data and may compress the removed data. The compressed version of the data may be appended to a discretionary field in the track data. The discretionary field may be encrypted following insertion of the compressed data. Track data that has been modified in this way may be conveyed to the payment gateway for processing.10-06-2011
20130179279Retail Peripheral Management System - A method and a system for maintaining a retail terminal having a plurality of peripherals are provided. The method comprises determining at least one of an operating quality and a maintenance need of the plurality of peripherals. The method further comprises facilitating remediation of at least one peripheral of the plurality of peripherals based upon the operating quality and the maintenance need of the plurality of peripherals.07-11-2013
20130173403E-RECEIPT BARCODE ON MOBILE DEVICE THAT IS READABLE BY POINT OF TRANSACTION FOR PURCHASE - Embodiments of the invention provide a system for maintaining and presenting proof of transaction information. In some embodiments of the invention, the user conducts a return or exchange transaction through the use of a mobile computing device that is capable of communicating with a point of transaction device. In some embodiments, a system is provided that includes: (1) a communication interface (2) a storage device, wherein said storage device comprises an indicia associated with a transaction and used to verify proof of transaction information and (3) a processing device in communication with said communication interface and said storage device, wherein said processing device is configured to: retrieve the indicia associated with a proof of transaction information from said storage device and provide information associated with the indicia associated with the proof of transaction information to said communication interface for output to thereby verify the proof of transaction information.07-04-2013
20120253955SYSTEM AND METHOD OF A PASSPHRASE ACCOUNT IDENTIFIER FOR USE IN A NETWORK ENVIRONMENT - A system and method for facilitating a financial transaction over a network including use of a passphrase account identifier is described herein. In one embodiment, a system for facilitating a financial transaction over a network comprises a communication interface; and a payment provider system configured to receive via the communication interface a passphrase account identifier from a merchant system, match the passphrase account identifier to a corresponding funding instrument number of a corresponding funding instrument, communicated the corresponding funding instrument number to an issuer system, receive from the issuer system a notification indication of one of acceptance of the funding instrument or decline of the funding instrument, and communicate back to the merchant system the notification indication.10-04-2012
20110270693SYSTEM AND METHOD FOR ELECTRONIC PREPAID ACCOUNT REPLENISHMENT - A method for crediting a customer account maintained by a vendor of services in response to payment received from a customer is disclosed herein. The method includes issuing, to the customer, a membership account number associated with at least the customer account. A membership account number and a payment corresponding to a requested amount of a service offered by the vendor are received from the customer at a point-of-sale. The method further includes generating, at the point-of-sale, an authorization message including at least the membership account number and embedded transaction information identifying the service offered by the vendor and the requested amount. The embedded transaction information is then communicated from the point-of-sale to a database server. The customer account is credited, in response to the embedded transaction information, based upon an amount of the payment. The method also includes electronically transferring funds based upon the amount of the payment from a first account associated with the point-of-sale to a second account associated with the vendor.11-03-2011
20130138518Wireless Transactions for Enhancing Customer Experience - Devices, systems, and methods are disclosed for facilitating a wireless transaction by coupling or associating an identifier to a location. The identifier is read, retrieved, or received by a customer's wireless communication device to connect to a POS terminal. Once connected, the wireless communication device sends a location identifier to the POS terminal, so that the POS terminal can associate the wireless communication device with the location. Once an association is established, the POS terminal then presents options. The POS terminal receives selections, and alerts a staff member of selections and the location. In many instances, the POS terminal also adds the selection to a bill or an invoice.05-30-2013
20130138517METHOD AND SYSTEM FOR INTEGRATING WIRELESS DEVICES WITH EXISTING POINT OF SALE SYSTEMS - A method for extending point of sale functionalities of an existing point of sale system is provided. In various embodiments of the present invention, the method comprises the step of building at least one Abstracted Core Register Point of Sale (ACR POS) module from at least one existing point of sale register application. The method further comprises the step of optimizing at least one ACR POS module for extending point of sale functionality to at least one wireless device. Further, the method comprises the step of mapping at least one wireless device to at least one virtual register module and at least one optimized ACR POS module to extend the point of sale functionalities of the existing point of sale system to the mapped wireless device. Furthermore, the method comprises the step of performing one or more point of sale tasks using the mapped wireless device.05-30-2013
20130091028SECURE PAYMENT CARD TRANSACTIONS - Payment card transactions at a point of sale (POS) are secured in certain embodiments by intercepting, with a POS security layer installed on a POS terminal, payment data from the POS terminal, transmitting the payment data from the POS security layer to a server security application installed on a POS server, and providing false payment data from the POS security layer to a POS terminal application installed on the POS terminal. The false payment data in various embodiments is processed as if it were the payment data, such that the POS terminal transmits an authorization request to the POS server using the false payment data. In addition, the authorization request may be transmitted from the POS server to a payment gateway.04-11-2013
20130097032UTILIZING SHOPPING LISTS FOR NFC TRANSACTIONS - 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.04-18-2013
20130103509COMMODITY DATA PROCESSING APPARATUS AND COMMODITY DATA PROCESSING METHOD - According to one embodiment of a commodity data processing apparatus, a display unit configured to display the image of a commodity as an object recognized target of an object recognized based on input image data. An operation unit configured to be able to arrange an operation area used for determining the selection of the commodity dynamically, associated with a display area for the image of the commodity in the display unit.04-25-2013
20130124347SYSTEM AND METHOD FOR FUEL PRICE-PROTECTION - A fuel-price protection mechanism whereby customers may pre-purchase quantity-based amounts of fuel and retrieve said fuel at any participating fuel retailer. The quantity-based amounts of fuel are represented in the customer's account as a quantity-based fuel credit. The fuel credits may be redeemed at a participating fuel retailer to obtain fuel. The fuel credits are associated with a customer's home geographical region or a customer's selected price class. A conversion mechanism will allow the customer to redeem fuel credits in a different geographical region or price class. Redemption within the home region or the customer selected price class can occur without conversion.05-16-2013
20130124346Security Token for Mobile Near Field Communication Transactions - Devices, systems, and methods are disclosed which relate to an NFC-enabled security token that is removably coupled to a mobile device. The security token may be provisioned with the information by the mobile device, then decoupled from the mobile device and used to authenticate the user or perform a transaction at a POS terminal equipped with an NFC reader. The security token includes logic for user-controlled restrictions on allowable purchases, such as payment limits, timeouts, vendor identifiers, allowed purchases, and location-based restrictions. The security token is further equipped with “self destruct” security features, such as deactivating itself or erasing any sensitive information upon being unable to contact the mobile device for a specified duration, or being subject to an unauthorized or restricted transaction, until such time as it is re-coupled to the mobile device.05-16-2013
20110225057SYSTEM AND METHOD FOR TRANSACTION PAYMENTS USING A MOBILE DEVICE - A system and method for performing a financial transaction may include processing a purchase transaction for products for purchase by a customer to determine a transaction amount. A communication with a mobile device of the customer may include communicating a store identifier, POS identifier, and the transaction amount. In response to receiving an approval number for the purchase transaction from a financial institution of the customer, completing the purchase transaction for the purchase of the products by the customer.09-15-2011
20110225055CHECKOUT APPARATUS AND CHECKOUT PROCESSING METHOD - According to one embodiment, a checkout processing apparatus includes an operator unit, a rotation mechanism, a determination unit, and a switching unit. The operator unit executes checkout processing. The rotation mechanism rotatably supports the operator unit and stops the operator unit at least at two positions. The determination unit determines which of the positions the operator unit is stopped at. The switching unit switches a function of the checkout processing according to a result of the determination by the determination unit.09-15-2011
20100287057SELF SHOPPING SUPPORT BY GETTING CONTENTS FROM ELECTRONIC SHELF LABELS - To support a shopper to perform self-service shopping by using an electronic shelf label (ESL) while looking at actual items displayed in a store and to expand the functions of the electronic shelf label (ESL) to enable the linkage with other data processing systems expansively. A shopper uses a mobile processing device (typically, a cell phone owned by the shopper) in a store. The functions necessary to obtain contents from the electronic shelf label (ESL) are obtained by introducing an application program into the shopper's own cell phone, by which it is expected that the shopper is able to easily enjoy shopping. When photographing the electronic shelf label (ESL), the contents associated with items are encoded (the price display automatically changes to a barcode) and then decoded.11-11-2010
20110238510REDUCTION OF TRANSACTION FRAUD THROUGH THE USE OF AUTOMATIC CENTRALIZED SIGNATURE/SIGN VERIFICATION COMBINED WITH CREDIT AND FRAUD SCORING DURING REAL-TIME PAYMENT CARD AUTHORIZATION PROCESSES - A dynamic signature/sign biometric verification system for detecting and preventing fraudulent transactions is described. The system comprises remote digital signature/sign input devices, a means to extract spatial and temporal features from the signature, a means to transmit the signature/sign features along with customer identifier information to a centralized signature/sign verification authority, a means for combining signature/sign feature verification with other forms of fraud detection technology, and a means for transmitting the results of a signature/sign verification back to the remote location where the signature/sign was captured. The system was primarily developed for use in payment card industries (e.g. credit cards, debit cards) but has applicability to other centralized signature/sign verification applications such as Automated Teller Machine authorizations and other identity theft detection and monitoring services.09-29-2011
20130151358Network-accessible Point-of-sale Device Instance - One or more instances of virtual point-of-sale (POS) devices are established in the cloud for use by customers at a physical merchant location. The customers may provide payment information and an indication of the good or service they wish to purchase by using a mobile computing device at the merchant's location and to communicate with a POS device associated with the merchant location. The mobile computing device may be used to scan a tag associated with the desired good or service, the customer may enter a code representing the desired good or service, or the customer make a selection from a list of goods and/or services presented on the mobile computing device. The POS device can provide an electronic receipt to the mobile computing device which the customer may show to the merchant as evidence that the customer has paid for the good or service.06-13-2013
20120284130BARCODE CHECKOUT AT POINT OF SALE - A consumer at a merchant store can scan, with a user mobile device, a barcode generated by the merchant to make a payment. The information contained in the barcode include a merchant identifier, a total amount, and information about the items purchased. A payment provider processes the information received from the user device and notifies the merchant if the payment is approved. A digital receipt may be generated and stored for future use.11-08-2012
20130132215Systems and Methods for Removing Point of Sale Processing from PCI Scope - The methods and systems described herein provide for processing payments at a retail location whose infrastructure has been significantly removed from PCI scope. A request for processing payments may be sent from a point of sale lane to a back office server in communication with a credit card terminal. A user may use the credit card terminal to enter in secure payment information which is securely transmitted to a remote authorization service for authorization. Through this method, the credit card terminal and sensitive payment information may be securely isolated from the remaining infrastructure at the retail location.05-23-2013
20110295704Techniques for assisted self checkout - Techniques for assisted self checkout are provided. Customers or store personnel use scan devices that are independent of a self-checkout kiosk as they shop in a store to scan goods that are to be purchased. The transactions are independent of any particular checkout terminal. When the customer is ready to checkout, the customer approaches a checkout station and the transaction for the customer is located and recalled. The customer completes payment at the station to end the transaction and exit the store.12-01-2011
20110313872INFORMATION BANKING - A method for conducting a financial transaction can be used by a person using a mobile device to conduct the transaction. The mobile device receives information related to the person that can be used for authentication purposes, such as a PIN or biometric data. The mobile device then authenticates the person by verifying the information received. If the person is authenticated, the transaction is completed using the mobile device, and if the person is not authenticated, the transaction is prevented.12-22-2011
20110313871APPARATUS, SYSTEM, AND METHOD FOR FACILITATING A PAYMENT - An apparatus, system, and method are disclosed for facilitating customer payment. The apparatus includes a display module, a selection module, and a payment module. The display module displays on a display screen check details corresponding to one or more items ordered by a party made up of one or more members, the one or more items displayed on a display screen. The selection module allows a member to select check details corresponding to being items for which the member wishes to at least partially pay. The payment module allows the member to enter payment details corresponding to a payment method.12-22-2011
20110313870Initiating and Enabling Secure Contactless Transactions and Services with a Mobile Device - A system and method for a mobile device to initiate and enable contactless transactions and services between a user of said device and remote servers controlled by a service administrator. Such device will have an application or other facility residing it for reading data embedded in an object. The present invention provides for the loading of one or more service profiles to such mobile device based on certain unique identifiers of the user, such as a PIN or username and password, along with the unique ID of the mobile device itself or an administrator-assigned ID. Such service profiles are stored on such mobile device with a unique service ID and a unique service URL for such mobile device to transmit and receive data, along with certain unique identifiers, in real-time and in a secure, closed-loop environment.12-22-2011
20110313869COMPREHENSIVE ONLINE BIDDING AND SALES MANAGEMENT SYSTEM FOR MERCHANT PROCESSING SERVICES - A comprehensive online bidding and sales management system and method for merchant processing services of global credit card transactions. Merchants using the system can obtain multiple bid proposals for merchant processing services from sales representatives that are automatically ranked by the system based on the best overall price (estimated monthly expense to merchant) and feedback provided by merchants using the system. The merchant is thus provided with an estimated monthly expense and bid ranking associated with each bid proposal. The system provides the sales representative with its estimated revenues and processing expenses, and provides various merchant processing pricing models to the sales representative to analyze its bid proposals and merchant sales opportunities.12-22-2011
20130191230POINT-OF-SALE (POS) DIRECT SUPPORT OF SELF-CHECKOUT - Techniques for Point-Of-Sale (POS) direct support of Self Checkout (SCO) are provided. A checkout station is configured with software to support two different interfaces and workflows: one interface and workflow supporting SCO on the checkout station and the other interface and the other workflow supporting assisted checkout operation. The checkout station can be dynamically switched between the two modes of operation, such that the checkout station is usable within an enterprise for both cashier assisted operations for customers and for self-service checkout operations performed by customers without assistance.07-25-2013
20110320293METHODS, SYSTEMS, AND COMPUTER READABLE MEDIA FOR FACILITATING IN-STORE OR NEAR-STORE ORDERING AND PAYMENT OF GOODS AND SERVICES THROUGH A SINGLE-TAP OF A NEAR FIELD COMMUNICATION (NFC) DEVICE - Methods, systems, and computer readable media for facilitating in-store or near-store ordering and payment of goods and/or services through a single tap of a near field communication (NFC) device are disclosed. In one embodiment, a system can include a smart poster locatable in an area that is accessible to a potential consumer of goods or services. The system can further include a mechanism in or on the smart poster for directing the NEC enabled device to access a portion of a merchant ordering and payment system specific to the good or service advertised by the smart poster. The system can further include a wallet application residing on the NFC enabled device that upon interfacing with the smart poster downloads, submits, and pays for an order of the good or service advertised by the smart poster via the single NEC tap.12-29-2011
20120290416SYSTEMS, METHODS AND PROCESSOR-READABLE MEDIA FOR CONVERTING COINS TO ELECTRONIC FUNDS DEPOSITED WITH AN ACCOUNT ASSOCIATED WITH A USER AT A POINT OF SALE - Methods, systems and processor-readable media for converting coins at a point-of-sale into electronic funds. Cash can be accepted from a payer for payment of a transaction at a point-of-sale together with identifying information for a virtual coin purse associated with the payer. An amount due for payment and an amount due as change for a settlement of the transaction at the point-of-sale can be reconciled. The virtual coin purse associated with the payer can be credited in a form of electronic funds for change due in lieu of coins with respect to the transaction. The amount due as change, an amount due as bills, and an amount due as the coins can be categorized. Bills can be provided to the payer and the amount due as coins are then directed as electronic funds to the virtual coin purse.11-15-2012
20120011007Mobile Payment Using DTMF Signaling - Systems and methods are disclosed for mobile payment using dual-tone multi-frequency (DTMF) signals. A mobile device equipped with at least a speaker and an input is used to connect to a server on the mobile network. Upon authentication of a user of the mobile device, the server generates the payment key, translates the key to DTMF signals, and plays the DTMF signals over the speaker of the mobile device. The user holds the mobile device speaker close to a microphone of a DTMF scanner at a POS terminal. The DTMF scanner includes logic that extracts the payment key from the DTMF signals, and the POS terminal uses the payment key to bill the user. The POS terminal transmits the bill with the payment key to the server on the network. The server ensures that the key is active, and debits an account for the user based on the amount presented in the bill. The key is de-activated after a specified time period or one use, whichever occurs first.01-12-2012
20120030043WEARABLE FINANCIAL INDICATOR - A wearable article, such as but not limited to a watch, wristband, or ring, is configured for indicating financial information to a customer. The wearable article includes a communication device configured for receiving a financial indicator from a server. The financial indicator may be communicated by a financial institution's server in accordance with a financial indicator profile pre-established by the customer. A user output device, such as a display, is configured for communicating user output, such as a colored light, to the customer based at least in part on the financial indicator. The wearable article may be configured to communicate with the server through a mobile terminal, such as a mobile phone, an Internet hot spot, a mobile telephony system, a payment network, a point-of-sale terminal, or the like. The wearable article may be configured to communicate with a point-of-sale terminal so that the wearable article can also be used as a payment device.02-02-2012
20130198017INFORMATION PROCESSING APPARATUS - A portable information processing apparatus connected to a peripheral device through a cable, including a main body unit connected to the peripheral device; a base unit to maintain standing upright the main body unit when in use, and to pass a cable to a bottom plane unit serving as a bottom plane when in use; and a tilting unit to tilt the main body unit from a state where the main body unit is upright when in use to a state where the man body is folded for transport, with respect to the base unit, wherein: the base unit has, at the bottom plane unit, an opening through which the cable passes so that the cable is guided to the bottom plane unit; and the opening has a handle so that the base unit is suspended in transport.08-01-2013
20130198018AUTOMATICALLY EMAILING RECEIPT AT POS - When a consumer makes a purchase at a POS using a payment provider, the payment provider provides, to the merchant, a consumer identification (ID) and an authorization number, along with the payment approval. After receiving the information from the payment provider, the POS device sends a generated digital or electronic receipt to an email address of the payment provider. The email contains information about the payer and the authorization. Upon receipt, the payment provider may upload the electronic receipt into the consumer's mobile wallet or account using the payer ID and authorization number. As a result, the consumer can easily locate and access a receipt on the consumer's mobile device, such as by accessing the user's mobile wallet or the user's payment provider account on the mobile device, e.g., through a mobile app.08-01-2013
20130204720Payment System and Methods - Disclosed are payment system and methods.08-08-2013
20120078736ON-DEMAND GENERATION OF TENDER IDS FOR PROCESSING THIRD-PARTY PAYMENTS VIA MERCHANT POS SYSTEMS - A closed loop payment system, such as those leveraged to activate or process gift cards, is employed to enable consumers to make payments for multiple payees at a plurality of retail locations. The systems, methods and techniques also enable financial settlement of the consumer payments across multiple parties, and the systems, methods and techniques enable consumers to manage an individual payment profile using an Internet connected device or mobile phone.03-29-2012
20130097031Systems and Methods for Facilitating Point of Sale Transactions - Systems and methods for facilitating point of sale transactions. In one embodiment, a computer-implemented method can be provided. The method can include collecting, by a mobile device at a merchant point of sale, merchant contextual information associated with a merchant station at a merchant location. The method can also include identifying payment information stored on the mobile device. Further, the method can also include providing the merchant contextual information and the payment information to a merchant device in order to complete a point of sale transaction.04-18-2013
20120095855Systems and methods for buyer-initiated mobile payments without sensitive information exchange between buyer and seller - Systems and methods for effecting mobile purchases and removing the necessity of financial and personal information exchange directly between buyers and sellers, where the buyer uses a personal mobile device to effect payment. Instead of using sensitive and/or easily compromised data to perform a transaction, the seller posts the purchase amount to a proxy system for recognition and claiming by the buyer. The buyer claims the purchase by selecting it via a mobile device. The seller receives a confirmation of purchase from the proxy system without direct interaction with the buyer's mobile device or personal information. The seller's point of sale no longer acts as a point of acceptance and thus no longer requires sensitive information exchange directly with the buyer.04-19-2012
20120095854PAYMENT SYSTEM AND METHODS - Disclosed are payment system and methods.04-19-2012
20120095853METHOD FOR SELF-CHECKOUT WITH A MOBILE DEVICE - A method for purchasing an item using a mobile device is provided. The method includes but is not limited to inputting identification information into the mobile device which identifies the item for purchase and generating an order for the item identified by the identification information. The method also includes but is not limited to displaying on a display of the mobile device an optical machine-readable representation of the order.04-19-2012
20120095852METHOD AND SYSTEM FOR ELECTRONIC WALLET ACCESS - A mobile payment method, system and graphical user interface are described that facilitate efficient and secured payment transactions from an electronic wallet on a user portable electronic device with a merchant point of sale terminal over a contactless communications link. In one aspect, the electronic wallet includes a flag indicating whether input of the passcode is required to access the electronic wallet, which flag can be set by a remote device. In another aspect, a shortcut is provided to directly execute the payment features of the electronic wallet application software.04-19-2012
20120095851TRANSACTION TERMINAL - A transaction terminal which includes a projector instead of a liquid crystal display. The transaction terminal includes a projector for projecting images of transaction screens on a surface during a transaction, an input device for recording operator selections in the transaction screens during the transaction, and a computer for generating the images of the transaction screens, for displaying the screens via the projector, and for processing the operator selections during the transaction.04-19-2012
20130211934ALTERNATIVE PAYMENT IMPLEMENTATION FOR ELECTRONIC RETAILERS - A system and method process a transaction between a merchant and a consumer at a point of sale (POS). Transaction information for the transaction is received from the consumer at the POS. The transaction information identifies an alternative payment option of an alternative payment provider to use for the transaction. A universal merchant platform (UMP) is requested to approve the transaction with the alternative payment provider of the identified alternative payment option. The request includes the received transaction information and is provided to the UMP according to a unified payment implementation. In response to approval of the transaction, an order identifier is received from the UMP. The order identifier uniquely identifies the transaction. The UMP is requested to authorize and/or capture funds for the transaction using a payment implementation specific to the alternative payment provider of the identified alternative payment option.08-15-2013
20130211929SYSTEM AND METHOD FOR WIRELESS COMMUNICATION WITH AN IC CHIP FOR SUBMISSION OF PIN DATA - A system and method for coordinating processing of a cardholder present financial transaction between the cardholder and a merchant system. The system collects a transaction amount of the financial transaction associated with merchant identification information of the merchant system. The system sends an authentication request using a wireless communication protocol configured for proximity communication between a communication interface of a computer device and a wireless communication enabled integrated circuit (IC) chip of a payment card, the authorization request including an IC command expected by computer hardware of the IC chip. The system receives an authentication response from the computer hardware of the IC chip by the wireless communication protocol, the authentication response including an encrypted value generated by the computer hardware of the IC chip.08-15-2013
20130211930TRANSACTION AUTHENTICATION WITH AN MSISDN AT A POS ROUTED THROUGH A MERCHANT ACQUIRER COMPUTER SYSTEM - A computer-based method of managing electronic transactions is described. A plurality of consumer accounts is stored in a data store, each consumer account having a first consumer account identifier. A second consumer account identifier in the form of an MSISDN is received in a point-of-sale device. The point-of-sale device transmits the charge request, including an amount and the second consumer account identifier, to a merchant acquirer computer system, which routes the charge request. The charge request is received over a network interface device, the charge request including the amount and the second consumer account identifier. A selected one of the consumer accounts is identified by associating one of the first consumer account identifiers with the second consumer account identifier, and the charge request is processed based on an account detail of the selected consumer account.08-15-2013
20130211931TRANSACTION AUTHENTICATION WITH A NON-PAN ID AND PIN - A computer-based method of managing electronic transactions is described. A plurality of consumer accounts is stored in a data store, each consumer account having a first consumer account identifier that is not a PAN and a respective first PIN. A charge request is received over a network interface device, the charge request including an amount, a second consumer account identifier and a second PIN. A selected one of the consumer accounts is identified by associating one of the first consumer account identifiers with the second consumer account identifier, and the charge request is processed based on an account detail of the selected consumer account. The processing of the charge request is only permitted upon a favorable comparison of the first PIN and the second PIN.08-15-2013
20130211932TRANSACTION AUTHENTICATION WITH A VARIABLE-TYPE USER-STORED ACCOUNT IDENTIFIER - Each of a plurality of consumer accounts in a data store has a first consumer account identifier. Login information is received from a consumer device over the network interface device. The first consumer account identifier is received from the consumer device and stored in association the consumer account. The first consumer account identifier is storable as one of at least two types of identifiers and the storing by the consumer device of the first consumer account identifier is only permitted upon successful login based on the login information. The charge request is received over a network interface device, the charge request including the amount and the second consumer account identifier. A selected one of the consumer accounts is identified by associating one of the first consumer account identifiers with the second consumer account identifier, and the charge request is processed based on an account detail of the selected consumer account.08-15-2013

Patent applications in class Including point of sale terminal or electronic cash register

Patent applications in all subclasses Including point of sale terminal or electronic cash register