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Having interface for record bearing medium or carrier for electronic funds transfer or payment credit

Subclass of:

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

705001000 - AUTOMATED ELECTRICAL FINANCIAL OR BUSINESS PRACTICE OR MANAGEMENT ARRANGEMENT

705016000 - Including point of sale terminal or electronic cash register

Patent class list (only not empty are listed)

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Entries
DocumentTitleDate
20090222353Payment system - The credit a mobile radio apparatus account, the display (09-03-2009
20090216651Dispensing valuable media - A method of dispensing valuable media from a self-service terminal. The method comprises: receiving a request from a customer at the self-service terminal to access an account held with a payment service provider. The terminal then forwards the request to the payment service provider and provides the payment service provider with authentication details from the customer at the self-service terminal. The terminal then receives a request to dispense valuable media from the payment service provider, and dispenses valuable media to the customer in response to the received request. The method may also involve charging the payment service provider an amount at least equal in value to the valuable media dispensed.08-27-2009
20120203644APPARATUS, SYSTEM AND METHOD FOR PROVIDING ELECTRONIC RECEIPTS - An electronic receipt server comprises an interface, a data store, and a processor adapted, on receiving receipt data associated with a customer purchase transaction from a first entity, to generate a reference associated with the customer purchase transaction, store the receipt data in the data store in association with the reference and return the reference to the first entity, and on receipt of a request comprising the reference from a second entity, to send an electronic receipt to the second entity, the electronic receipt being associated with the reference and presenting the customer purchase transaction according to the receipt data.08-09-2012
20100088188SYSTEMS, METHODS, AND COMPUTER READABLE MEDIA FOR PAYMENT AND NON-PAYMENT VIRTUAL CARD TRANSFER BETWEEN MOBILE DEVICES - The subject matter described herein includes methods, systems, and computer readable media for virtual card transfer between near field communications (NFC)-enabled mobile devices. According to one aspect, a method for over-the-air (OTA) virtual card transfer between NFC-enabled mobile devices is disclosed. The method includes receiving, at an OTA provisioning server, a virtual card, from a sending mobile device, that is intended for a receiving mobile device. The virtual card is provisioned, over the air, to the receiving mobile device, where the virtual card is immediately presentable by the receiving mobile device at a point of sale terminal.04-08-2010
20120290419SYSTEM FOR ELIMINATING COINS FROM CASH TRANSACTIONS - A method and system for eliminating a need for coins in cash transactions in most currencies includes a comparison of a sum of a fractional dollar amount of an original transaction amount of a cash transaction between a merchant and a consumer plus a beginning value of a consumer storage device to a value of either 1.00 or 2.00. The amount of the value depends on whether a sum of credits and debits incurred by the merchant is greater or less than or equal to a sum of per transaction fees. The original transaction amount is decreased or increased to the next whole dollar amount, thereby providing a new transaction amount, if it is determined that the sum of the fractional dollar amount of the original transaction amount plus the beginning value of the consumer storage device is greater or less than, respectively, the value assigned.11-15-2012
20090171794SYSTEMS AND METHODS FOR PROCESSING A PAYMENT TRANSACTION - Systems and methods for point of sale instant access are provided. In one aspect, a method for processing a payment transaction in real time is provided. The method uses a server system coupled to an input device, the input device is located at a point of sale (POS) of a merchant. The input device includes an Internet protocol (IP) address. The method includes capturing at the input device transaction data including an account number associated with a payment card used in the transaction and other information relating to the transaction, and receiving at the server system, directly from the input device, the transaction data. The method also includes processing, at the server system, the transaction data including determining whether to authorize the transaction, and communicating, directly from the server system to the input device, one of an authorization of the transaction and a denial of the transaction.07-02-2009
20110191196System for Interfacing a Client Device with a Point of Sale System - An information technology system taking the form of a management console, central server, point of sale system, software running on a point of sale system and software running on a customer's mobile phone. The software on the customer's mobile phone lets a customer interact with the point of sale system, allowing the customer to view a pending economic transaction, optionally add or remove items to the transaction, and pay for the transaction using payment information stored on the mobile phone.08-04-2011
20090192907Smart Card Application System and Method - A smart card application system and method are disclosed. A method includes controlling access to first restricted data stored at a database server of a transaction processing system. The first restricted data is associated with a commercial transaction. Access to the first restricted data is granted upon receipt of a first merchant code associated with a first merchant and a first user identification code associated with a smart card.07-30-2009
20090192905SELF SERVICE ORDER PROCESSING SYSTEM AND METHOD WITH A REMOTE RECEIPT PRINTER - The present invention provides a system of order fulfillment that utilizes an order station, a separate fulfillment station, and a separate payment station. The order station presents the consumer with options for placing an order and upon the consumer's completion of the order issues a fulfillment receipt for the order. The consumer pays for the order at the order station, the separate payment station, or the fulfillment station. The consumer then presents the fulfillment receipt at a fulfillment station where the order is fulfilled and provided to the consumer.07-30-2009
20090192903METHOD AND APPARATUS FOR AUTHORIZING A FINANCIAL TRANSACTION - A system that authorizes a financial transaction is presented. During operation, the system receives a request to authorize accounts associated with one or more financial instruments to be used to fulfill the financial transaction. Next, the system determines a transaction location at which the financial transaction is being performed. The system then determines whether the accounts are authorized to be used at the transaction location. If so, the system authorizes the accounts to be used to fulfill the financial transaction.07-30-2009
20110202415Automated transaction system and settlement processes - Disclosed is a mobile platform that enables unique tap-and-connect transaction processing and settlement, which allows consumers, merchants, financial institutions and other third parties to strengthen their relationships through a local transaction network that offers more efficient transaction processing and settlement for reduced per-transaction cost and risk management costs and increased security.08-18-2011
20110202414METHOD AND APPARATUS FOR PROVIDING VISUAL FEEDBACK THROUGH A PHYSICAL MECHANISM - Thus, systems and methods for providing visual feedback for a banking customer have been provided. Such systems may include a financial instrument preparation device. Such a device may be used for providing cues to a banking customer. The financial instrument preparation device may include a cueing panel and an integrated silicon chip. The chip may further include a communications module for receiving an electronic signal relating to the banking customer's account balance. The chip may also include a computer processing unit for storing the electronic signal in a computer memory. In addition the chip may include an output signal connected to the cueing panel. The output signal may be based, at least in part, on the electronic signal.08-18-2011
20130085874METHOD AND SYSTEM FOR AUTOMATICALLY DISPENSING A PRODUCT - A product dispenser, comprising: a user interface for entering a selection of a desired product among available products by a user; a control unit operatively connected to the user interface for receiving the selection of the desired product, generating a command indicative of the desired product, and generating a barcode identifying the desired product; a dispenser unit for storing the available products and providing the user with the desired product upon reception of the command from the control unit; and a printing unit operatively connected to the control unit, the printing unit for printing the barcode on a coupon and providing the user with the coupon.04-04-2013
20130211935PHASED DEBIT ACTIVATION SYSTEM AND METHOD - A method of facilitating activation of a general-purpose reloadable (GPR) card includes reading an activation storage medium from a GPR card using a point-of-sale (POS) terminal, wherein the GPR card is linked to a GPR account stored on a database. The method further includes collecting identification information from a card applicant and forwarding the collected identification information to a financial processing network, submitting an initial monetary amount to be loaded to the GPR account to the financial processing network, and communicating initial activation of the GPR account to the card applicant at the POS terminal after receiving activation approval from the financial processing network. The initial activation of the GPR account is a first phase of activation in a multiple phase activation characterized by the GPR account being available for use toward a price of purchases and unavailable for loading an additional monetary amount to the GPR account.08-15-2013
20130041767Methods and Systems for Communicating Information from a Smart Point-of-Sale Terminal - Methods and systems for communicating information from a specially programmed smart point-of-sale terminal involve receiving transaction information at the terminal, recognizing that the transaction relates to a redemption function, adjusting the transaction amount accordingly, and routing an approval request for the adjusted amount to a card issuer processor via a card association transaction processing network. In another aspect, information is received at the terminal which recognizes that the information relates to a third party function and routes a message to the third party processor via a merchant acquirer processor while bypassing the card association transaction processing network. Thereafter, the third party processor performs the third party function and returns a message related at least in part to the performance of the third party function to the smart point-of-sale terminal processor via the merchant acquirer processor.02-14-2013
20090157517ADJUSTABLE BALANCE LIMIT PREPAID PRESENTATION INSTRUMENT - This disclosure describes, generally, methods and systems for providing an adjustable balance limit prepaid presentation instrument is described. The method includes receiving a request for the adjustable balance limit prepaid presentation instrument and obtaining customer information. The method further includes, processing the customer information with a processor to determine a risk level associated with changing a funding limit associated with the prepaid presentation instrument. The method further funds the adjustable balance limit prepaid presentation instrument to up to a maximum of the assigned funding limit using a variety of funding sources.06-18-2009
20100106608Method for Completing and Storing an Electronic Rental Agreement - Methods and systems are disclosed for creating and storing an electronic rental contract for a rental vehicle from a rental car company to permit a user to bypass a rental counter of a car rental facility when creating the electronic rental contract. A rental vehicle reservation can be created for a user, and then a rental proposal can be created and displayed based upon the reservation. Upon acceptance of the rental proposal by the user, the electronic rental contract is created. A kiosk may be used to form the electric rental contract.04-29-2010
20130041768System for Processing, Activating and Redeeming Value Added Prepaid Cards - A computer implemented method for adding value to a stored value card in excess of the purchase price for the stored value card is provided. In one embodiment a stored value card transaction processor receives an activation or redemption request for a stored value card from a point of sale terminal. The activation or redemption request comprises at least one of a card identification, a point of sale terminal identification, a merchant identification, and a time of activation which is compared to data stored in a stored value card datastore to determine if the stored value card to be activated is eligible for a value added award. The processor then determines the value added award and modifies the request to include the value added award. The processor then transmits the modified request to the card issuer authorization system and receives a response which is forwarded to the point of sale terminal.02-14-2013
20130030933PAYMENT FACILITATING SYSTEM FOR USE WITH A MOBILE COMMUNICATOR UTILIZING A NEAR FIELD COMMUNICATION (NFC) LINK - A payment facilitating system for use with a mobile communicator and a point of sale (POS) terminal, the system including a Near Field Communication (NFC) financial transaction communication link between the mobile communicator and the POS terminal, the NFC financial transaction communication link being operative to communicate NFC data for use in a financial transaction, a non-NFC financial transaction communication link between the mobile communicator and the POS terminal, the non-NFC financial transaction communication link being operative to communicate non-NFC data for use in the financial transaction, and a transaction effector operative to complete the financial transaction using both the NFC data communicated directly between the mobile communicator and the POS terminal over the NFC financial transaction communication link and the non-NFC data communicated directly between the mobile communicator and the POS terminal over the non-NFC financial transaction communication link.01-31-2013
20110004527FINANCIAL TRANSACTION APPROVAL SYSTEM AND METHOD - A method of sale including processing a plurality of purchases to be sold to a consumer, identifying a consumer financial account held by a financial institution, receiving authorization from the financial institution to enable payment for the plurality of purchases from the consumer financial account, and providing the consumer with an option to approve the payment from the consumer financial account. The option is provided during processing of the plurality of purchases. Transaction approval systems provide additional advantages.01-06-2011
20090307098FIXED PRICE FUEL METHOD - A method and apparatus for a customer pre-purchasing goods, such as liquid fuel, from an entity and taking possession of the goods at a later time. Fuel is dispensed at a fuel-dispensing facility operated by a third party. The customer pre-purchases the fuel, such as by transmitting money to the entity. The entity sends evidence of the pre-purchase to the customer. The customer presents the evidence of the pre-purchase to the third party. The evidence verifies the customer's right to the fuel. The third party verifies the evidence and then permits the customer to dispense the fuel, such as into a fuel tank. The entity then transmits to the third party a second amount of money related to the amount of fuel dispensed. The second amount of money is substantially equal to a value of the dispensed fuel at the second time.12-10-2009
20090307097Self-Service Checkout System and Method - The present invention refers to self-service sales counters used in commercial establishments that allow the customers themselves to check out their purchases and make the corresponding payment without requiring the intervention of an attendant, said sales counters comprising a first (12-10-2009
20130073404VIRTUAL OPEN LOOP PAYMENT - A user's mobile device is associated with multiple merchant accounts. The merchant accounts may be gift cards, prepaid cards, stored value cards, or the like. Merchant cards may be topped up automatically at the point of sale so that a large number of closed loop merchant cards operate as a virtual open loop network.03-21-2013
20130073405CUSTOMER EXPERIENCE MANAGEMENT SYSTEM - A system and method for engaging a customer in an enhanced shopping experience. The customer provides customer information which is stored on a database. An identifying token (e.g. a card) is issued to the customer. This identifying token is detected (e.g. by an RFID sensor) when carried by the customer into a retailer's space. This causes at least a portion of the customer information to be accessible from the database by an automated shopping cart, which has capability to display customized information regarding items for sale located proximate to the cart.03-21-2013
20090094125SYSTEM FOR PERSONALIZED PAYMENTS VIA MOBILE DEVICES - A method includes receiving transaction information at a mobile device 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 generating a funds transfer request in the mobile device. The funds transfer request includes the merchant information, information that indicates the transaction amount and information that identifies a customer of the merchant. The funds transfer request is for requesting that funds be transferred from a payment card account that belongs to the customer to a payment card account that belongs to the merchant. The method also includes transmitting, from the mobile device, the funds transfer request, to a financial institution that issued the customer's payment card account.04-09-2009
20090276320BEZEL FOR VENDING OR GAMING MACHINE - A bezel for use in a merchandising system is provided. The bezel includes an information display and a graphic display including one or more visual indicators. The bezel also includes a card reader configured to process payments from a cashless payment card. The bezel further includes a bill recycler access slot providing access to a bill recycler. In the bezel, illumination of the graphic display is controlled in response to information received from the bill recycler.11-05-2009
20120226566SCANNER AND SALE DATA PROCESSOR - According to one embodiment, a scanner comprises an image pickup unit, a light source, a control unit, an image capturing unit and an output unit. The light source configured to illuminate the light to an image pickup area of the image pickup unit for pickup the image. The control unit configured to change the illuminating angles of the light illuminated to the image pickup area. The image capturing unit configured to capture the image of the image pickup area by changing the illuminating angles. The output unit configured to output the image with the different illuminating angles captured by the image capturing unit.09-06-2012
20110022483APPARATUS INCLUDING DATA BEARING MEDIUM FOR REDUCING FRAUD IN PAYMENT TRANSACTIONS USING A BLACK LIST - A system, apparatus, and method for reducing fraud in electronic payment transactions. The apparatus includes a processor that executes instructions to implement a process to identify consumer or merchant devices that have been used in fraudulent transactions and prevent the authorization of future transactions that are initiated using those devices. By collecting device data as part of authorization messages and processing that data, devices that are used in fraudulent transactions with different merchants or involving different accounts may be identified and prevented from being the source of future transactions. This prevents future losses and reinforces the integrity of the transaction system.01-27-2011
20120116903REMOVABLY SECURING SMALL CONTACTLESS PAYMENT CARD TO ELECTRONIC DEVICE - A holder for a contactless payment card includes a substrate that has a first side and a second side that is opposite to the first side. There is an adhesive material on the first side of the substrate. The holder also includes at least one sheet that is joined to the substrate to form a pouch. The second side of the substrate faces the pouch. The pouch is shaped and sized to securely hold a contactless integrated circuit identification card that has no more than half of a planar extent defined for the standard ID-1 identification card.05-10-2012
20120116902SYSTEMS AND METHODS FOR RANDOMIZED MOBILE PAYMENT - Systems and methods for improving security in mobile payment systems are described. A user device may be operated to request temporary account data for an account. No actual account number may be stored on the device. A remote system may correlate temporary account data to actual account data and transmit temporary account data to the user device, which use the data to make a purchase or generate a temporary account number than may be used to make a purchase. Temporary account data may be automatically erased or expire. A purchase authorization request may be sent by a merchant with temporary account data to a provider of temporary account data. The provider may transmit a request for purchase authorization using actual account data to a payment processor, sending a response to the merchant that does not include actual account data based on a response from the payment processor.05-10-2012
20090254443System, Program Product, And Associated Methods To Autodraw For Micro-Credit Attached To A Prepaid Card - A prepaid card processor receives data for a line of credit for a prepaid card from a lending institution computer. The prepaid card processor makes available draws to the line of credit line on behalf of the lending institution computer in an authorization stream for a proposed purchase using the prepaid card as payment. When the line of credit is accessed, the processor loads the prepaid card with an additional value equal to one or more preselected loan increments so that the prepaid card then has a new amount totaling a previous amount plus the amount of value of the one or more preselected loan increments and so that the new amount exceeds or equals the value of a proposed purchase. Then the processor notifies the lending institution so that the line of credit balances on the lending institution computer and the prepaid card processor are kept in sync.10-08-2009
20090234747System & Method for Replenishing a Wireless Terminal Account - A system and method for replenishing a wireless terminal account of a customer of a telecommunication service provider. In one embodiment the method includes transmitting through a point-of-distribution device a merchant identification, a customer mobile identification number and an amount to the telecommunication service provider. The method also includes validating the merchant identification and crediting the customer account. The method may include delivering a merchant confirmation to the point-of-distribution device and delivering a customer confirmation to the customer's wireless terminal.09-17-2009
20090234746Single use money transfer - A system, method, and apparatus for the secure and convenient provision of money. A prepaid card is purchased by a consumer, who then has the card activated. Information about the card and a security number provided by calling a number printed on the card is then sent to a recipient. Using that information, the recipient then receives an amount of money that correlates to the prepaid purchase amount.09-17-2009
20090083160SYSTEM FOR SECURING CARD PAYMENT TRANSACTIONS USING A MOBILE COMMUNICATION DEVICE - An authorization system and computer program for provision and process of a personal identification number (PIN) via a short-message-service (SMS) text message to a mobile communication device. The authorization system and computer program receive a communication from the user indicating a one-time-authorization mode. The authorization system and computer program retrieve information from a point-of-sales location and process a unique identifier for the mobile communication device. A text message is sent to the identified mobile device. The message communicates a one-time-use PIN with required PIN return via the point-of-sales system. The confirmation is processed, which authorization only occurring after confirmation. The PIN response period is voided after a short time, further improving security of the transaction.03-26-2009
20090132380Electronic Vouchers - A method for distributing and reliably redeeming electronic cash value vouchers that uses existing POS terminals. The vouchers may be distributed via mobile telephones. The voucher comprises an alphanumeric code which is entered into the standards compliant POS terminal. The system checks that the voucher is valid and provides a redemption value to the POS which can be credited by the retailer. The transaction can then be completed by the retailer using known methods.05-21-2009
20110276419SYSTEM AND METHOD FOR PAYMENT BETWEEN A HAND HELD` DEVICE AND A MERCHANT DEVICE - A system which has a hand held device with an application program. The hand held device allows a merchant device to locate the hand held device. The merchant device has an application program wherein the merchant device allows the merchant device to locate the hand held device. The merchant device provides a charge and the hand held device provides a payment for the charge.11-10-2011
20110078032METHODS AND SYSTEMS FOR MANAGING TRANSACTION CARD ACCOUNTS ENABLED FOR USE WITH PARTICULAR CATEGORIES OF PROVIDERS AND/OR GOODS/SERVICES - A computer-implemented method and system for managing transaction card accounts involves enabling a transaction card account by a card issuer for use with pre-defined categories of providers of goods/services and goods/services sold and issuing a transaction card and establishing an associated pre-qualified category card account. Upon receiving data for a transaction with the transaction card at a transaction terminal by a processing platform of the card issuer via a card association processing network, the category of the provider and goods/services is interrogated to determine whether or not the transaction can be posted on the pre-qualified category card account of the cardholder, and the transaction is approved and posted to the pre-qualified category card account if the transaction falls within the pre-qualified category of the cardholder.03-31-2011
20090144164System and Method for Distribution, Redemption and Processing of Electronic Coupons - In a method of executing a transaction using an electronic coupon, coupon campaign information is provided to an engine. The coupon campaign information defines a discount value, a product family and a number of coupons to be distributed. Each coupon within the coupon campaign has a coupon identification (ID). Coupon publications are provided including a machine-readable portion that encodes coupon data describing the coupon campaign information. The coupon data is retrieved from the machine-readable portion of the coupon publication using a personal electronic device. The coupon data is used to retrieve a coupon ID that is stored in the personal electronic device. The coupon ID is transmitted to a point of sale (POS) system using the personal electronic device. The POS system communicates with the engine to verify a validity of the coupon ID. A discount is applied to a transaction in accordance with the discount value.06-04-2009
20110173083Account Control Method and System that Allows Only Eligible and Authorized Items to be Purchased Using the Account - The present invention relates to a real time account control method and system that allows only eligible and authorized items to be purchased using the account. The present invention relates particularly to healthcare spending accounts such as flexible spending accounts and health reimbursement arrangements. The method can comprise the steps of: establishing at least one account, each account having an account holder; identifying at least one item eligible for purchase using one of the accounts; identifying at least one item authorized for purchase using one of the accounts; and, upon request to purchase an item using one of the accounts, authorizing the purchase for an amount not to exceed an available balance in that account only if the item is both an item identified as eligible for purchase and an item authorized for purchase.07-14-2011
20090299864SYSTEMS AND METHODS OF PAYMENT ACCOUNT ACTIVATION - Systems and methods are provided for activating a payment account. The payment account is associated with two identifiers. A payment instrument is provided as having the two identifiers. A first identifier is read at a first point of sale device to activate the payment account. A second identifier is read by a radio frequency identification reader at a second point of sale device to access funds in the payment account. The first point of sale device may not be capable of reading the second identifier.12-03-2009
20090313130Credit card signature inspection system and method capable of enhancing security for transaction - A credit card signature inspection system includes a card-sliding device and a credit card server. The card-sliding device produces a signature authentication request including credit card data and produces a bill to be signed. The credit card server includes a credit card database pre-stored with data of credit cards. Data of each credit card corresponds to an authentication signature of a credit card holder. The credit card server receives the signature authentication request and searches the credit card database based on the credit card data in the signature authentication request to produce an authentication signature corresponding to the credit card data. The authentication signature is transferred to the card-sliding device and displayed on the card-sliding device to check whether the authentication signature on the card-sliding device corresponds to the signature of the consumer for the bill, so as to determine whether to approve the proceeding of the transaction.12-17-2009
20090192906System and Method for Transponder-Enabled Account Transactions - A transponder-initiated transaction system is electromagnetically coupled to an account transponder device at the point of sale. The account transponder device may be embedded within a watch, key chain or other personal article for convenience or affinity. The transponder device may communicate account information to an RF-enabled point of sale device, enabling transactions to take place without resort to remote data processing facilities. In other embodiments partial or complete account information may be accessed or stored at co-located or remote sources. New account registrants may access a Web site to enter a transponder ID and activate a new account, which may be a credit account, debit account, cash account, special purpose vending account, or other types of accounts.07-30-2009
20090192904System and Method for Conducting Transactions with a Financial Presentation Device Linked to Multiple Accounts - System for conducting a financial transaction with a single financial presentation device linked to multiple financial accounts stores financial account information of multiple financial accounts associated with the presentation device, and a set of predetermined rules for determining which of the financial accounts is to be used to conduct a financial transaction. A linked-account processing program receives an authorization request for the financial transaction which has been initiated at a merchant's computer using the presentation device. The program determines whether the presentation device is associated with multiple financial accounts, and if so, selects one account among the multiple linked financial accounts based on the predetermined set of rules, and routes the authorization request to an issuer of the selected financial account.07-30-2009
20100268615FINANCIAL CARD ACCOUNT HAVING MULTIPLE BALANCES AND END USER SELECTED DEBITING PARAMETERS FOR DEBITING A POINT OF SALE TRANSACTION - The present invention provides a financial card account comprising multiple available balances, debiting parameter methods, systems, apparatus, transaction cards, and the like for use in providing at least one point of sale transaction that can be debited by preset parameters relating the amount of the debit to the relative balances available in a financial card account.10-21-2010
20100125509METHODS AND SYSTEMS FOR SECURE MOBILE DEVICE INITIATED PAYMENTS USING GENERATED IMAGE DATA - Systems, methods, processes, computer program code and means for conducting a payment transaction are provided which include activating a payment application of a mobile device, generating, using the payment application, an optical image representing payment account information associated with the payment application, said payment account information including at least one of a payment account number, an expiry date of the payment account number, and a dynamic verification code generated by the payment application; and presenting the optical image to a merchant transaction terminal for scanning to conduct the payment transaction.05-20-2010
20120109764SYSTEMS, METHODS, AND COMPUTER READABLE MEDIA FOR UTILIZING ONE OR MORE PREFERRED APPLICATION LISTS IN A WIRELESS DEVICE READER - The subject matter described herein includes systems, methods, and computer readable media for utilizing one or more preferred application lists in a wireless device reader. A transaction terminal designates compatible application identifiers, where each of the compatible application identifiers is respectively associated with a transaction application that is compatible with the transaction terminal. A proximity payment system environment (PPSE) application is configured to store user preferred application identifiers, where each user preferred application identifier is respectively associated with a to transaction application stored on the mobile wireless device. A wireless device reader for receives the compatible application identifiers from the transaction terminal, and stores the compatible application identifiers in preferred applications lists (PALs).05-03-2012
20120109763Mobile Charging of Electric Vehicles Off the Electric Power Grid - A system and method are disclosed that provide mobile electric power to one or more electric vehicles without drawing electricity from the electric power grid. The system may include a transportation vehicle, a combustion engine coupled to an electric generator, and a controls box coupled to the generator to transmit electricity to an electric vehicle or storage batteries.05-03-2012
20120109762METHOD AND APPARATUS FOR PROVIDING MOBILE PAYMENT THROUGH A DEVICE USER INTERFACE - An approach is provided for facilitating the purchase of items at a point-of-sales terminal based on barcode information presented by a wireless communication device. Barcode information is received at a point-of-sales terminal as obtained from a wireless communication device. A message in response to the received barcode information is generated for transmission to the wireless communication device to permit acknowledgement of the purchase transaction by a user of the wireless communication device.05-03-2012
20120109761APPARATUS, METHOD AND SYSTEM FOR A POINT OF SALE TERMINAL - An apparatus, system and method are presented for a point of sale terminal including a scanner. A display device, a printer device and a magnetic strip reader device are connected to the scanner. A processor in the scanner executes software that causes the processor to operate the scanner, the attached devices and provide the features and functions of the point of sale terminal.05-03-2012
20110218870COMMUNICATION METHOD FOR A ROAMING POINT-OF-SALE SYSTEM - A roaming point-of-sale system is disclosed including methods of communicating between the system components. A handheld computing device sends messages to a scanning device, which messages cause the scanning device to scan and return barcode data from a barcode scanner and payment card information from a magnetic strip reader. The messages include a header and a message, and the header designates the command given and the size of the message, among other useful information.09-08-2011
20100125510SYSTEM AND METHOD OF CONDUCTING TRANSACTIONS USING A MOBILE WALLET SYSTEM - A method of managing transactions between a mobile wallet within a mobile device and a point-of-sale terminal at a merchant is disclosed and may include receiving a request for a purchase code from the mobile wallet, generating a short-term purchase code, transmitting the short-term purchase code to the mobile wallet, and receiving the short-term purchase code from the merchant.05-20-2010
20110125598SYSTEM AND METHOD FOR MANAGING ELECTRONIC RECEIPTS OF SALES TRANSACTIONS USING MOBILE DEVICES - A system and method for managing electronic receipts of sales transactions utilizes a receipt capture device that generates receipt data using information from a point-of-sales (POS) terminal and a mobile device that receives the receipt data from the receipt capture device using short range communication.05-26-2011
20100082444Portable point of purchase user interfaces - Systems, methods, and devices for conducting sales transactions are provided. Embodiments include handheld, portable, electronic, point of purchase devices configured to acquire identification information from articles to be purchased, to determine a purchase price, and to acquire payment information for the purchase price. The point of purchase devices may include one or more input devices such as a near field communication device, a camera, a scanner, and a biometric sensor for acquiring the identification information and/or the payment information. In some embodiments, the near field communication device may be detachable from the point of purchase device. The point of purchase devices also may contain communication interfaces, such as a near field communication interface, a local area network interface, a short message service interface, and a personal area network interface, for transmitting the information to an external server.04-01-2010
20120271724APPARATUS AND METHOD FOR ENCRYPTING DATA IN A MAGNETIC STRIPE READER - A magnetic stripe reader assembly for a point of sale terminal is provided. The magnetic stripe reader reads the account data from a card and may encrypt it within the magnetic head. An encrypted representation of the account data may be provided to a host processor in the terminal for carrying out a financial transaction, such as a payment for goods or services. The account data is typically recorded on the magnetic stripe on the card in a magnetic flux pattern that is sensed and then converted to an analog signal. Such sensing and conversion and other processing of the account data to produce the encrypted representation of the account data typically involves one or more parameters, and may include at least one parameter that is adjustable.10-25-2012
20090259558SYSTEM AND METHOD FOR ENHANCED CUSTOMER KIOSK ORDERING - The present disclosure is directed to a system and method for presenting restaurant items for ordering through a customer ordering kiosk, comprising the steps of displaying a first restaurant item image within a first area of a first ordering interface screen, displaying a second restaurant item image within a second area of the first ordering interface screen and displaying a first restaurant item selector for selecting the first restaurant item, wherein at least a portion of the first restaurant item selector is positioned within the first area of the first ordering interface screen. The first and second restaurant item images represent first and second restaurant items that can be ordered respectively using the customer ordering kiosk.10-15-2009
20100280910SYSTEM 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.11-04-2010
20100228638USER TERMINAL AND WIRELESS ITEM-BASED CREDIT CARD AUTHORIZATION SERVERS, SYSTEMS, METHODS AND COMPUTER PROGRAM PRODUCTS - Credit card transaction authorization is performed using ad-hoc, short-range wireless links to obtain item identification information from items that include ad-hoc short range wireless link transmitters and that are carried by a user who is associated with a prospective credit card transaction. Authorization information for the prospective credit card transaction is generated based on the item identification information that was obtained. Location information for a wireless terminal that is associated with the user and/or Internet Protocol (IP) address information for a transaction terminal that is associated with the transaction may also be used. Related systems, devices and computer program products are also described.09-09-2010
20090182638Self-guiding interface for customer service machines - A customer service machine, such as a self check-out terminal, includes a visual indicator and a proximity sensor associated with certain functional components or stations of the terminal, such as itemization, bagging and payment stations. The visual indicator is configured to provide a visual signal to either encourage or deter customer activity at the particular station, depending upon whether any activity is required to further a transaction being conducted at the terminal. The proximity sensor at each station determines whether the customer is about to take action at that station. A controller determines whether the action is appropriate, and if not activates the visual indicator to deter such action, or if so activates the visual indicator to encourage such action. In one embodiment, the visual indicator includes a red light that is illuminated to deter action and a green light that is activated to encourage action.07-16-2009
20090287577System, Program Product, and Computer-Implemented Method For Loading a Loan on an Existing 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 an existing pre-paid card associated with the pre-paid card processor. Next, the bank credits the loan proceeds to the pre-paid card processor for the existing pre-paid card so that the loan proceeds are released to the approved borrower and are immediately available.11-19-2009
20080208697SECURE SYSTEM AND METHOD FOR PAYMENT CARD AND DATA STORAGE AND PROCESSING VIA INFORMATION SPLITTING - A method is provided for securely storing and retrieving data. A data unit is split by an entity, into a first component and at least a further second component such that the data unit cannot be reconstructed without having the first and second component. The second component is stored on a secure server in a non-volatile memory, the secure server being separate from any entity that may store the first component. The first and second component of the data unit are then subsequently accessed by a secure data retriever who is not an originator of the data, where the second component is accessed from the secure server. The secure data retriever combines these components into the original data unit. The method is particularly applied in commerce for credit card information in which significant restrictions are placed on the permanent storage of such data.08-28-2008
20090281904MOBILE TELEPHONE TRANSACTION SYSTEMS AND METHODS - Techniques are disclosed for a mobile telephone, in conjunction with a payment transaction server, to be used directly as a payment device for a variety of financial transactions. Further, the transaction systems and methods for mobile telephone devices described herein allow a mobile telephone to participate in payment transactions in a manner that helps prevent identify theft and without relying on transferring amounts to/from one stored value account to another.11-12-2009
20090287578CHARGING STATION FOR ELECTRIC AND PLUG-IN HYBRID VEHICLES - This invention is a pay charging station for electric and plugin hybrid vehicles. A vehicle parks at a space with the charging station and uses a credit card, debit card, cash, smart card or network connection to a database like EZ-Pass to pay for the space and the electricity. The station automatically charges the vehicle as long as it is connected to the station. The station automatically stops charging when the vehicle is fully charged. The customer only pays for the space and the electricity consumed. If the charging circuit is broken the customer must reinsert the smart card or credit card to restart charging. Sufficient funds are removed from the payment method on initiation of charging. Any money not used for charging is returned to the funding account upon the user reinserting the smart card, credit card or debit card, or cash change is returned if cash was the method of payment.11-19-2009
20090313131Systems and/or methods for simplifying payment systems, and payment instruments implementing the same - The exemplary embodiments described herein relate to systems and/or methods for simplifying payment systems, and payment instruments implementing the same. In particular, certain exemplary embodiments relate to a single payment device (e.g., a card) with multiple magnetic strips, a single payment device being linked to multiple accounts, a single payment device having a button required before transmission of payment information and/or a single payment device being linked to a sub-account (e.g., a petty cash account).12-17-2009
20090259559SYSTEM AND METHOD FOR ENHANCED CUSTOMER KIOSK ORDERING - The present disclosure is directed to a system and method for presenting restaurant items for multi-item restaurant item selection through a customer ordering kiosk, comprising the steps of receiving a signal representing that a multi-item restaurant item selection has been made, displaying a first indicator representing that a first restaurant item of a predetermined plurality of restaurant items has been selected and displaying a second indicator representing that a second restaurant item of the predetermined plurality of restaurant items still needs to be selected. The multi-item restaurant item selection represents selection of the predetermined plurality of restaurant items comprising the first restaurant item and the second restaurant item.10-15-2009
20100145812SYSTEM AND METHOD FOR MANAGING THE GENERATION, COLLECTION AND DISTRIBUTION OF CONTRIBUTIONS FROM THE USE OF PAYMENT CARDS - A system and method for managing the generation and the collection of financial contributions from holders of payment cards (06-10-2010
20100280909PROVIDER-DRIVEN PAYMENT ADAPTER PLUG-IN TO PAYMENT GATEWAY - A payment gateway is implemented as a web service that utilizes a payment adapter plug-in model to support both synchronous payments (e.g., credit/debit card payments) and asynchronous payments (e.g., bank transfers) in which an interface to the payment gateway is provided to facilitate the development by a payment service provider or third party of a payment adapter that can plug into the gateway. The payment adapter enables the details of the payment service provider, credit card network, bank, etc. to be abstracted by mapping payment status from the provider to a standardized payment status that is utilized by the payment gateway. A payment gateway can then switch payment service providers by switching payment adapters.11-04-2010
20090265248 Virtual Concierge for Shipping Services - A virtual concierge for shipping services is disclosed. One aspect of certain embodiments includes providing an automated computer-implemented self-service front-end shipping system to business concerns for self-service access by the customers of the respective business concern for shipping the customer's packages.10-22-2009
20080270247CUSTOMER CHECKOUT ACCELERATOR - A system and method for accelerating customer sales transactions in a retail store. A customer checkout accelerator provides a customer user interface initiate a request for a preapproval amount for a sales transaction before reaching the point of sale for completion of the purchase transaction. A card reader integrated into the customer checkout accelerator reads a customer payment card number when the payment card is swiped through the reader. A customer checkout accelerator server module resident on a store controller server determines a preapproval amount for the sales action and transmits the request to an external card services system for payment approval. The customer checkout accelerator also provides the ability to purchase additional promotional items in the checkout lane with this process integrated into the payment preapproval process. Once payment approval is obtained from the external card services system, an entry is placed in a preapproval database associated with the customer checkout accelerator server module on the store controller server. The server module forwards the approval notification to the point of sales terminal where it is placed in a preapproval cache for use in completing the actual sale transaction.10-30-2008
20130024306SYSTEMS AND METHODS FOR CHARGING ELECTRIC VEHICLES - Systems and methods for controlling for distributing power to electric vehicles. The system includes a vehicle charging key (“VCK”) that is operable to communicate with both a vehicle and a utility communications network. The VCK includes a processor, a memory, and one or more radios for communicating with the vehicle and the utility communications network. The VCK receives information from the vehicle, such as location information and vehicle battery state-of-charge (“SOC”) information, and transmits the information to a back office system (“BOS”), such as a utility provider or a credit card company. The BOS generates utility pricing or charging information based on, for example, time of day, and transmits the utility pricing information back to the VCK. A transaction module of the VCK receives payment information from a user that includes a payment selection. The payment selection includes a payment type (e.g., credit card, prepaid account, utility account, etc.). The VCK transmits the payment information to the BOS, and the BOS responds with a charge authorization signal.01-24-2013
20080270246Global electronic payment system - A global payment system supports real time payments by a first party to a second party via an electronic interface using any of a plurality of input devices. First party identifying information and information relating to the requested transaction desired by the first party is entered into the system via the selected input device for accessing the payment system. The information is verified and the funds are transferred to a dedicated account for a second party per the instructions received from the first party. The global payment system is a financial transaction system permitting the identified first party to use any of a variety of payment options to complete the transaction without requiring the second party to pre-approve the method of payment. The system is compatible with known ATM/POS debit/credit card formats or other electronic input terminal devices, including either a second party controlled device, or a first party controlled device. This can be but is not limited to a merchant or other service provider controlled device at a retail establishment, or on-line while the user is logged onto a web site from a commercially based computer or from the convenience of his personal computer, or other devices such as a PDA or a cell phone. The information can be swiped by a card reader, or manually entered via a keyboard or other input device such as, by way of example, a cell phone or personal digital assistant (PDA). This flexibility permits a consumer and merchant to complete a transaction in real time anywhere in the world without regard to the consumer's source of funds or the merchant's typical method of payment acceptance.10-30-2008
20090048935Application program interface to manage gift cards and check authorizations - An application program interface to manage gift cards and check authorizations may be described. An apparatus may comprise a point of sale device having a processor coupled to a memory, the memory storing a point of sale host application object, a gift card service add-in object and a check service add-in object. The processor may execute the gift card service add-in object in response to application program interface commands to perform gift card service operations for the point of sale host application object. The processor may execute the check service add-in object to perform check service operations for the point of sale host application service. Other embodiments are described and claimed.02-19-2009
20080270245System For Processing Stored Value Instrument - Disclosed is a method for managing at least one transaction through traditional credit card authorization payment infrastructures by supplying personal account numbers to retailers. Personal account numbers correspond to issuer managed accounts that may be assigned at point of sale, and activated at redemption, and may restrict which merchants can process the personal account number to extract value therefrom. Also disclosed is an apparatus for distribution in retail and redemption at selected redemption sites. The apparatus is a card that includes machine readable code and account information where at least some of data corresponding to the machine readable code differs from the account information. The card may configured to retain a personal account number or other account information compatible with selected redemption site interfaces. Redemption can be limited to selected retailers or groups of retailers.10-30-2008
20090048934Method and system for authorising returns - A method for authorising return of a purchase by a customer to a merchant by an interaction of a customer chip card upon which a customer transaction history is stored and a merchant POS terminal upon which predetermined data is stored, the method comprising the steps of, (a) reading at least part of the customer transaction history from the customer chip card, (b) comparing the part of the customer transaction history read from the customer chip card with the predetermined data, and (c) issuing to the merchant a message from the POS terminal based upon the outcome of the comparison.02-19-2009
20100153221System 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.06-17-2010
20100153222PORTABLE DEVICE CONFIGURED TO RECEIVE PRODUCT INFORMATION - A portable device includes a data capture unit and a wireless communication circuit in communication with a control circuit. The data capture unit is configured to receive product information from a product identifier. The wireless communication circuit is configured to communicate with a vendor server storing an electronic catalog that includes a product associated with the product information.06-17-2010
20100145811METHOD OF ASSESSING A PARKING FEE BASED UPON VEHICLE MAKE AND MODEL - A method for assessing fees for parking is disclosed. The method includes providing a vehicle registration card containing a vehicle make and model and a parking fee collection device. The parking fee collection device has an associated database containing a parking fee charged for each vehicle make and model. The vehicle make and model is entered into the parking fee collection device for a selected vehicle and a parking fee is assessed based upon the vehicle make and model.06-10-2010
20100145810AUTOMATED SUBSTANTIATION OF PRODUCT LEVEL SPECIFIC ACCOUNT PAYMENTS - Transactions are processed in which payment is made using an account, such as a health savings account or other type of account in which cardholder purchases are limited to, and/or are documented for, a pre-designated set of merchandise. When a transaction occurs, the purchased products are identified and a determination made whether each product is qualified for purchase under the account. An account transaction record is stored which identifies the date of the transaction, the account, each item that is qualified under the account, a description and quantity of each item, and the total monetary amount of the transaction related to such qualified items. The account transaction records for a particular consumer are used to generate a report that contains data for every transaction on the account. The report can be limited to those transactions that occurred during a period of time, such as a calendar year.06-10-2010
20100153223METHOD AND SYSTEM FOR REGISTERING A CUSTOMER WITH AN ORGANIZATION - The present invention discloses a method, system and computer program product for registering a customer with an organization to enable the customer to use various services through one or more delivery channels. Customer Relationship Information (CRI) and contact information of the customer is captured by the system. A confirmation number is communicated to the customer based on the validity of the CRI. The customer then submits the confirmation number to the system to complete the registration process. The registration is then confirmed based on the validity of the submitted confirmation number.06-17-2010
20090164325Systems and Methods for Locating an Automated Clearing House Utilizing a Point of Sale Device - A point of sale (POS) device may be configured to locate a payment system and transmit a payment authorization request from a remote location to a payment system, either directly, or via a payment system directory and/or a SSL Gateway. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer. The payment system directory is further configured to determine one or more payment processors to direct a payment authorization request, such that a single transaction may me allocated among multiple payment processors for authorization. Moreover, the payment system directory is able to format alternative payment methods into a format that is able to be processed over existing payment networks.06-25-2009
20080306828METHOD FOR PROCESSING TRANSACTION INFORMATION - A method for processing transaction information is provided according to the present invention. The method enables business vender to provide consumers with paperless transaction information, e.g. invoice information, via a route mainframe and a electronic data interchange platform. The method includes providing a mobile electronic device and establishing an information service platform to connect the electronic data interchange platform, for providing the consumers a means for payment of bills; when the cash register of the business vender receives a request of the payment of bills by using the mobile electronic device, having the card reader to access balance of the electronic purse of the mobile electronic device; judging whether the balance of the electronic purse is enough for the payment of bills, if not, prohibiting the mobile electronic device from proceeding to the payment of bills, and terminating the transaction information process; if yes, then having the mobile electronic device proceed to the payment of bills and allowing the cash register to transmit, via the route mainframe and the electronic data interchange platform, transaction information received to the information service platform for saving; and transmitting at least a part of the transaction information to the mobile electronic device by the information service platform.12-11-2008
20130218695SYSTEM, PROGRAM PRODUCT AND METHODS FOR RETAIL ACTIVATION AND RELOAD ASSOCIATED WITH PARTIAL AUTHORIZATION TRANSACTIONS - Systems, program product, apparatus and method for transmitting and processing the sale of a transaction card product over an existing payment network using partial authorization messaging, are provided. An example of such a system can include a merchant POS apparatus equipped to support partial authorization messaging, a transaction card issuer server in communication therewith, and a transaction card product. The transaction card product can include a conventional transaction card securely wrapped within a tamper evident container that can carry its own magnetic strip. The container magnetic strip can store an assigned unique card identifier linked to, but different from, the card identifier normally associated with the card. The container card identifier stored in the container magnetic strip is compatible with the merchant POS card reader and is usable to activate the card without the merchant or consumer having access to the card, the card identifier, or the card magnetic strip.08-22-2013
20090144162Transaction Security Method and Apparatus - A method and apparatus for increasing the security of transactions between two parties is disclosed. The method and apparatus employ multiple PINs from which elements are selected for user identification. The transactions may be financial transactions or any other transaction where user identification is required.06-04-2009
20090259557SYSTEM AND METHOD FOR ENHANCED CUSTOMER KIOSK ORDERING - The present disclosure is directed to a system and method for presenting restaurant items for ordering through a customer ordering kiosk, comprising the steps of displaying an electronic receipt within an ordering interface screen, displaying one or more restaurant items on the electronic receipt corresponding to restaurant items that were selected by the customer for purchase, displaying a restaurant item symbol corresponding to one or more of the restaurant items displayed on the electronic receipt, displaying an edit button for each of the restaurant items and displaying a total cost line item for aggregating the total cost for all of the selected restaurant items. The restaurant item symbol is displayed in close proximity to its respective restaurant item, and customers may modify existing orders by selecting the edit button and causing an edit signal to be generated.10-15-2009
20090012871METHOD AND SYSTEM FOR REDUCING CONSUMPTION OF ADDICTIVE COMMODITIES - A method of controlling consumption of a commodity, particularly an addictive commodity, includes issuing a license, in advance of any purchase, to a purchaser of the commodity. The license allows purchase of a specified quantity of the commodity within a specified time period. The license is issued for a license fee that is set according to a schedule that divides the specified quantity into ranges, and charges different per unit base fees for purchases in different ones of those ranges. When a purchase is made, the license is checked to see if the purchase is allowed, and then updated to reflect the quantity purchased. Excessive consumption may be penalized by charging a higher rate for a new license in the same period, while surrender of one's license may be rewarded with incentives. The license fee may include the purchase price of the licensed quantity of the commodity.01-08-2009
20090198582POS DEVICE - A POS device includes a rotation shaft vertically fixed, a rotary plate provided so as to be rotatable about the rotation shaft, a rotating portion placed on the rotary plate and having at least a barcode scanner and a receipt printer, and a display device for clerk and a display device for customer both provided at the top end of the rotation shaft.08-06-2009
20110145078DATACODE READING APPARATUS - Moving image data output from an image sensing device is input. An image display output unit processes the moving image data and displays it on the display screen of a display as a real-time moving image. A decode processing notification unit displays the moving image data output from the image sensing device on the display screen of the display as a still image for a predetermined time from decoding of the datacode by a decoding unit.06-16-2011
20110145079WIRELESS NETWORK ACCESS PREPAYMENT SYSTEMS AND METHODS - A method of providing network access includes entering network access information into a merchant device at a merchant location. The information relates to a request from a customer to obtain network access. The method also includes causing the information to be transmitted to a host computer system from the merchant device, receiving a payment from the customer, receiving activation confirmation from the host computer system at the merchant device, and providing a presentation instrument to the customer. The presentation instrument may be used by the customer to obtain network access. The method further includes using the presentation instrument to settle a transaction with the customer for merchandise.06-16-2011
20090055278Complete Secure Retail Transaction Via A Mobile Device - The present invention incorporates scanning technology and secure payment technology into the operating system (OS) of a mobile device such as a smartphone. In a preferred embodiment, the scanning technology comprises RFID interrogation capability. This enables smartphone users to validate transactions during a shopping session at a retail location (i.e., scan items as they are added to their shopping cart) and streamline the payment process by electronically transmitting their credit/debit card information directly to their financial institution to authorize payment to finish the transaction, all while within the retail location.02-26-2009
20090099936USING VISUAL IMAGES TRANSFERRED FROM WIRELESS COMPUTING DEVICE DISPLAY SCREENS - Within a wireless computing device, a method of conducting commerce can include receiving a user input in the wireless computing device specifying an account to which a proposed transaction is to be billed and identifying contact information for a billing entity according to the user specified account. The billing entity can manage the account. An authorization can be requested from the billing entity via a wireless communications link established using the contact information. The method also can include receiving the authorization from the billing entity via the wireless communications link, generating a visual image which identifies the billing entity and represents the authorization received from the billing entity, and presenting the visual image upon the display screen of the wireless computing device. Accordingly, a visual image reader can read the displayed visual image.04-16-2009
20090063285METHODS, SYSTEMS, AND COMPUTER PROGRAM PRODUCTS FOR STORING USUAL ORDER PREFERENCE DATA FOR RECURRENT ORDERS - Methods, systems, and computer program products for storing usual order preferences associated with a point of sale transaction involving an identification article. In one embodiment, the method includes receiving an initial order involving the use of an identification article for purchasing at least one good or service. As part of receiving the initial order, a query asking if the initial order is to be designated as a usual order is issued. The method also includes registering the initial order as the usual order if a received response to the query indicates a usual order designation and storing an indication of the usual order in a storage medium.03-05-2009
20110231270PAYMENT SYSTEMS AND METHODOLOGIES - A transaction system including at least two transaction communicators, at least one of which is a mobile communicator, at least one of the at least two transaction communicators having sequential visually sensible indicia generation functionality operative to generate a time sequence of indicia which provides at least transaction data and at least one of the at least two transaction communicators having sequential visually sensible indicia receiving functionality and transaction data extraction functionality capable of extracting at least the transaction data from the time sequence of particular indicia, whereby a time sequence of indicia which provides at least transaction data is transmitted from one of the at least two transaction communicators to another of the at least two transaction communicators.09-22-2011
20110231269Method for Recipient Orientated Financial Services - A method allowing a first person to provide a “virtual” gift to a second party is disclosed, referred to as a “credit gifting” system, wherein the first person accesses an application allowing predetermined aspects of the gift, such as the retailer, store, product type etc to predetermined whilst adding personal messages etc. The second person receives a credit towards the purchase of the gift, the credit being redeemable at the defined retailer or store for any wares/services or only those identified by first person. If the credit so gifted is not redeemed within predetermined time the first person is re-credited. In another embodiment the second person is able to select the retailer or store to redeem from or if unable to redeem themselves allocate a proxy. Accordingly the method overcomes drawbacks of current “captive” gift cards and pre-paid gift cards whilst also offering enhanced registry services etc.09-22-2011
20110231268ONLINE BARCODE DIRECTORY AND SYSTEMS FOR FACILITATING TRANSACTIONS UTILIZING THE SAME - An online directory of people, businesses and products which is accessible by a user is described herein. Each person, business or product may be associated with a unique visual identifier such as a barcode which facilitates transactions between the parties. Moreover, the barcode may be an electronic barcode which can be displayed on a user's phone and scanned by a camera of the other party's electronic system. It is contemplated that the electronic barcode may be displayed only after entering a password on the user's mobile phone.09-22-2011
20110225058MESSAGING INCLUDING VALUE ACCOUNT CONVERSION - A system, method, and computer-readable storage medium configured to facilitate, for example, point-of-sale check approval in real-time. The system converts a demand type payment transaction into a payment card transaction. A cardholder database contains a cardholder record. The cardholder record includes a demand account and payment card information of a cardholder. A network interface receives point-of-service transaction data. A transaction processor correlates the user with the cardholder record, and generates an authorization request message which is sent to an issuer for approval.09-15-2011
20090048936Method and system for RFID transaction integrity utilizing an EEPROM - A method for purchasing goods in a cashless operation utilizing an RFID apparatus is provided. The RFID apparatus includes an EEPROM, the EEPROM being formatted to include a first group of data blocks and a second group of data blocks. Transaction data is stored in the first group of data blocks. When placing an order for goods or services, an RFID scanner scans the EEPROM. The RFID scanner reads a start block pointer value from a data block of the EEPROM. The pointer value corresponds to the address of the last written of the first group of data blocks or second group of data blocks. Data is then read from the last written group of data blocks. As the transaction is processed, the transaction data is modified in accordance with a purchase order to create modified data. The modified data is written to the second group of data blocks. Once it is determined that the writing to the second group of data blocks is successful, the pointer value stored in the EEPROM is changed to indicate the second group of data blocks.02-19-2009
20090150248SYSTEM FOR ENHANCING PAYMENT SECURITY, METHOD THEREOF AND PAYMENT CENTER - A system for enhancing payment security includes a payment network interface unit for communicating with a POS terminal through a payment network; a database for storing a card number and password of a payment tool of a user and a number of a mobile terminal of the user associated with the card number; an acquiring means for searching in the database to obtain the number of the user's mobile terminal associated with the card number; a receiving/sending unit for sending, according to the obtained number of the user's mobile terminal, a request for a transaction password of the payment tool to the user's mobile terminal by means of a wireless network; and an authentication means for authenticating whether or not the transaction password of the user's payment tool returned from the user's mobile terminal matches with the password stored in the database.06-11-2009
20090210309INTEGRATED INTERFACE APPARATUS FOR POINT-OF-SALE SYSTEM - An example integrated interface apparatus for a point-of-sale system, an example point-of-sale system including the integrated interface apparatus, an example method and a computer-readable storage medium for performing a point-of-sale transaction have been disclosed. The integrated interface apparatus includes a base member, a vertical arm member, a display device and a data input device. The base member is configured to be disposed on a counter. The vertical arm member is operatively connected to the base member. The vertical arm member includes a terminal attachment member and a side attachment member below the terminal attachment member. The display device is operatively connected to the terminal attachment member and the data input device is operatively connected to the side attachment member.08-20-2009
20090254441System, Program Product, And Method For Debit Card And Checking Account Autodraw - A consumer is prequalified for a line of credit attached to a checking account by a lending institution computer responsive to consumer underwriting data. The lending institution computer makes available draws to the line of credit line in an authorization stream for a proposed payment from the checking account. When the line of credit is accessed, the checking account is credited with an additional value equal to one or more preselected loan increments so that the account then has a new amount totaling a previous amount plus the amount of value of the one or more preselected loan increments and so that the new amount exceeds or equals the value of a proposed payment. Next a new value for the line of credit balance available is determined, accounting for value credited to the checking account and a preselected loan advance fee for each loan increment credited to the account.10-08-2009
20090254440GHOSTING PAYMENT ACCOUNT DATA IN A MOBILE TELEPHONE PAYMENT TRANSACTION SYSTEM - Techniques are disclosed for a mobile telephone, in conjunction with a payment transaction server, to be used directly as a payment device for a variety of financial transactions. Further, the transaction systems and methods for mobile telephone devices described herein allow a mobile telephone to participate in payment transactions in a manner that helps prevent identify theft and without relying on transferring amounts to/from one stored value account to another.10-08-2009
20090254438RADIO FREQUENCY IDENTIFICATION (RFID) PAYMENT TERMINAL WITH DISPLAY-EMBEDDED RFID ANTENNA - The subject matter described herein includes an RFID payment terminal with a display-embedded antenna. According to one aspect, an RFID payment terminal with a display-embedded antenna includes a display for graphically displaying payment information to a user. An RFID antenna is embedded in a portion of the display used for displaying the payment information to a user and for communicating with an RFID device of the user to receive transaction information form the RFID device. An RFID payment module is coupled to the antenna for receiving the transaction information and for effecting the payment transaction.10-08-2009
20090248531Automatic payment calculator unit for purchasing goods - The present invention relates to an automatic payment calculator unit, which enables a purchaser in a large shop to calculate a price of articles and pay for the price in person so that the shop may be operated without an accounting clerk.10-01-2009
20100161433Systems and Methods for Handling Point-of-Sale Transactions Using a Mobile Device - Systems and methods for handling point-of-sale transactions using a mobile device are provided herein. In one embodiment, a method for providing payment via a mobile device in a transaction for a good or service can include receiving a selection on the mobile device of a transaction account from which to fund payment in a transaction for a good or service. The method can further include generating and sending a notification to a network processing system (NPS). The notification can identify the selected transaction account. The NPS can be configured to associate the selected transaction account with an NPS account for one or more future transactions. The method can further include sending a customer identifier to a point-of-sale (POS) system via a short-range communications medium to complete the transaction. In another embodiment, methods for handling payment in a mobile e-commerce network are provided.06-24-2010
20090254439Touch Screen Device With Fuel Pump Access - Embodiments provide a touch screen display in proximity to a fuel pump. The touch screen display presents a graphical user interface (GUI) containing a plurality of in-store products available for purchase. Exemplary embodiments may contain a card reading device whereby in-store items selected for purchase may be purchased at the fuel pump. A second display may be placed within the convenience store or restaurant so that purchased items may be prepared for pickup by the user. Other embodiments may provide an ordering system in proximity to the pump where the in-store goods are purchased within the store. Exemplary embodiments would be capable of producing high-definition video on the touch screen display. Some embodiments also include audio systems and proximity sensors. Wired or wireless electrical connectivity may be used to send the video and/or GUI data to the touch screen display.10-08-2009
20090259554SYSTEM AND METHOD FOR ENHANCED CUSTOMER KIOSK ORDERING - The present disclosure is directed to a system and method for presenting restaurant items for ordering through a customer ordering kiosk, comprising the steps of displaying a first restaurant item category selector within a first ordering interface screen, wherein the first restaurant item category comprises a first background indicia pattern, displaying a second restaurant item category selector within the first ordering interface screen, wherein the second restaurant item category selector comprises a second background indicia pattern that is visually different from the first indicia pattern and displaying a third restaurant item category selector within the first ordering interface screen, wherein the third restaurant item category selector comprises a third background indicia pattern. When a selection signal is received representing that one of the item category selectors has been selected, the kiosk displays a first restaurant item selector comprising a restaurant item background pattern that matches the corresponding category selector.10-15-2009
20090276321METHOD AND SYSTEM FOR AUTOMATED PAYMENT AUTHORIZATION AND SETTLEMENT - The present invention provides a system and method to enable a third party service provider of EIPP services to initiate authorization and settlement of payment card payments with invoice line item data (Level III data), on behalf of either Buyer/Payers or Supplier/Payees to credit card acquirers and/or transaction processors. Payment initiation is based on submission of either a pre-approved invoice or order confirmation validated against a purchase order, or an invoice approved by the Buyer/Payer organization and scheduled for payment.11-05-2009
20100185521System and Method for Sponsoring Reduction of Harmful Emissions to the Atmosphere - Sponsoring reduction of carbon dioxide in the atmosphere comprises identifying an agricultural activity which reduced carbon dioxide in the atmosphere, collecting a voluntary sponsored amount from a purchaser of a fossil fuel, and using the sponsored amount to fund the agricultural activity. The sponsored amount is associated with a unit area of land which is used for agriculture so that the purchaser of fuel who sponsors funds can better identify with use of the funds. The purchaser may be provided with points in an account in exchange for the sponsored amount in which points are debited from the account upon purchasing the fossil fuel, for example for consumption in a vehicle.07-22-2010
20090299865Method and system for making and managing purchases - A method and system for storing purchase information are presented. A consumer sets up a transaction management account to electronically receive information regarding purchases. The customer provides information regarding the management account to a transaction terminal and makes a purchase. The vendor then electronically sends a receipt to the management account, where purchase information can be managed by the consumer. The management account may be associated with multiple financial accounts, so that when the consumer makes a purchase, information regarding the financial accounts may be provided to the consumer. The consumer can then choose an account to use to complete the purchase.12-03-2009
20120197744SYSTEM AND METHOD FOR POINT OF SALE TRANSACTIONS - Disclosed herein are methods and systems for executing a first transaction at a checkout system at substantially the same time that a second transaction is started at the checkout system. For example, a cashier can scan one or more items, adding the items to a first transaction. When all items have been added to the first transaction and a first customer is making a payment in the first transaction, the cashier can begin to add items to a second transaction, such that execution of the first transaction occurs at substantially the same time that items are added to the second transaction.08-02-2012
20110112920METHODS 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
20110112919GIFT-CARD AND ONLINE PAYMENT SYSTEM - A method, system, media, and device are directed to providing a check-out of a merchant transaction. A gift-card redemption interface is provided for redeeming a gift-card. A payment interface is provided for presenting a plurality of additional non-gift-card payment options comprising a credit-card payment option and a non-credit-card payment option. A mechanism is provided for performing operations. The operations include restricting a use of the gift-card redemption interface with the payment options; and processing the merchant transaction based on payments the gift-card.05-12-2011
20100223146Method of Effecting Cashless Payments and a System for Implementing the Method - The object of the present invention is to provide a method for simple but secure cashless payment, especially at different locations, and a system for implementing the method. In the method according to the invention an amount of money is read in at a merchant station and transmitted to a comparing device together with an-identification code of the merchant station, the data being stored in the interim at the comparing device. The payer sends the identification code of the merchant station through a mobile cell phone to the comparing device, which compares the identification code with that of the stored data and transmits the corresponding amount of money to the cell phone. Confirmation of the payment is requested there and transmitted to the comparing device, which transmits a corresponding account entry to an account keeping device. The system for implementing the method includes a cell phone, which operates in cell phone network, a merchant station and a comparing device, which can be connected to the cell phone and the merchant station through telecommunications and/or data links.09-02-2010
20100217674SYSTEMS, METHODS AND APPARATUS FOR SELECTING A PAYMENT ACCOUNT FOR A PAYMENT TRANSACTION - Systems and methods for selecting a payment account for a payment transaction are provided by certain embodiments of the invention. Data may be collected from a payment device utilized for the transaction, and a plurality of payment accounts may be associated with the payment device. A personal identification number associated with the payment device may be received. At least one of the plurality of payment accounts associated with the payment device may be selected based on a portion of the received personal identification number. The transaction may be facilitated utilizing at least one of the selected payment accounts.08-26-2010
20100241518TRANSACTION AUTOMATION AND CLIENT-SIDE CAPTURE OF FORM SCHEMA INFORMATION - A method and apparatus that allows a computer system to automatically navigate through a plurality of webpages is provided. A plurality of webpage objects are provided with each webpage object corresponding to a webpage having at least one input. Each webpage object has form completion data providing instructions how to successfully provide the inputs requested by the corresponding webpage and navigation action data indicating an action to be taken to navigate to a next webpage in the transaction series. In operation, a webpage is checked against the plurality of webpage objects and if the webpage corresponds to one of the webpage objects, the form completion data contained in the webpage object is used to properly provide the requested inputs on the webpage. Once the necessary inputs have been provided, the navigation action data is used to navigate09-23-2010
20100235248FUTURE CHECK FINANCING METHOD - A Future Check Financing Method is disclosed. The method enables purchasers and others to present future-dated checks (or other payment vehicles) at the point of sale for purchases. The potential recipient of the future-dated payment vehicles and/or a check guarantee entity is able to make a lending decision based solely on the presenter's check writing history. The recipient of future-dated checks under the method will receive full payment (typically minus service charges) nearly immediately after completing the transaction with the presenter, rather than when all future-dated payment vehicles become payable. The check writing history may include negative check writing history for the presenter, but also may include positive check writing history for the presenter.09-16-2010
20100217676AUTOMATICALLY ADDING GRATUITY TO AMOUNT CHARGED IN ELECTRONIC TRANSACTION - A method includes receiving a payment object for payment of a certain amount owed by a first party to a second party. The payment object carries sufficient account information for the payment from an account associated with the payment object. The second party communicates the account information from the payment object and an identification of the second party for receipt by a third party; and receives in return data that is indicative of a gratuity to be charged against the account. The second party prints a document that includes the certain amount owed and the gratuity, as indicated by the data received by the second party, and presents the document for signature by the first party. The printed document preferably includes the total of the amount owed and the gratuity. The payment object may be a credit card, charge card, debit card, rebate card, or stored-value card.08-26-2010
20100217675AUTOMATICALLY ADDING GRATUITY TO AMOUNT CHARGED IN ELECTRONIC TRANSACTION - A method includes receiving a payment object for payment of a certain amount owed by a first party to a second party. The payment object carries sufficient account information for the payment from an account associated with the payment object. The second party communicates the account information from the payment object and an identification of the second party for receipt by a third party; and receives in return data that is indicative of a gratuity to be charged against the account. The second party prints a document that includes the certain amount owed and the gratuity, as indicated by the data received by the second party, and presents the document for signature by the first party. The printed document preferably includes the total of the amount owed and the gratuity. The payment object may be a credit card, charge card, debit card, rebate card, or stored-value card.08-26-2010
20110022484Systems and Methods to Facilitate Retail Transactions - Systems and methods are provided to facilitate retail transactions via mobile communications. In one aspect, a retail terminal includes: a user interface to receive a phone number of a customer; a memory; a data communication interface; and a processor coupled with the memory and the data communication interface to transmit the phone number to a server computer to cause the server computer to communicate with a mobile phone at the phone number to confirm a transaction at the retail terminal and to transmit one or more premium messages to the mobile phone to collect funds for the transaction, and to receive from the server computer a message indicating that the funds are available for the transaction. The retail terminal is to perform the transaction in response to the message from the server computer.01-27-2011
20080313048Dual input/output device point of sale terminal - A dual input/output point of sale system allows a customer and a point of sale operator to use respective input/output devices, such as a touch screen, independently and cooperatively during a transaction.12-18-2008
20090254442System, Program Product, And Associated Methods To Autodraw For Micro-Credit Attached To A Prepaid Card - A consumer is prequalified for a line of credit attached to a prepaid card by a lending institution. The lending institution computer makes available draws to the line of credit line in an authorization stream for a proposed purchase using the prepaid card as payment. When the line of credit is accessed, the prepaid card is loaded with an additional value equal to one or more preselected loan increments so that the prepaid card then has a new amount totaling a previous amount plus the amount of value of the one or more preselected loan increments and so that the new amount exceeds or equals the value of a proposed purchase. Next, a new value for the line of credit balance available is determined, accounting for value loaded onto the prepaid card and a preselected loan advance fee for each loan increment loaded onto the prepaid card.10-08-2009
20100191605System and Method for Managing Account Linkages - An account management system allows a prepaid account provider to link a prepaid account to a purchaser of the prepaid instrument used to access the prepaid account. The system uses a prepaid instrument identifier and purchase data collected during the purchase of the prepaid instrument to create the linkage. The purchase data includes information identifying the purchaser, such as the purchaser's account number or name, the purchasing instrument used, the value placed on the prepaid instrument, value-added services requested by the purchaser, and transaction details such as the place and time of purchase. Using the linked prepaid instrument data and purchase data, the prepaid account provider extracts the purchased value from the purchaser's account, opens a prepaid account that is associated with the purchaser and the prepaid instrument, and deposits the purchased value into the prepaid account. The prepaid account provider may track the expenditure of funds from the prepaid account and provide value-added tracking services to the purchaser. The funds remain associated with the purchaser after being deposited in the prepaid account.07-29-2010
20090171796METHODS AND SYSTEMS FOR ASSIGNING INTERCHANGE RATES TO FINANCIAL TRANSACTIONS USING AN INTERCHANGE NETWORK - A method for assigning an interchange rate to a financial transaction is provided. The method uses at least one input device in communication with an interchange database. The financial transaction is initiated by a cardholder using a card over a card interchange, the card having been issued by an issuer bank. The method includes the steps of storing issuer data within the interchange database, the issuer data including whether the issuer bank has entered into a special relationship with the interchange.07-02-2009
20090138366METHOD AND SYSTEM FOR PROVIDING BIOMETRIC AUTHENTICATION AT A POINT-OF-SALE VIA A MOBLE DEVICE - A system and method is provided for authorizing a payment for a point of sale transaction by authenticating the user of a mobile device, such as a mobile phone. The present invention authenticates the consumer and verifies that he is authorized to conduct a transaction at the point of sale by means of the consumer's mobile device.05-28-2009
20090319382EXTENSIBLE 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.12-24-2009
20100223145SYSTEMS, METHODS AND APPARATUS FOR FACILITATING TRANSACTIONS USING A MOBILE DEVICE - Systems, methods and apparatus for facilitating transactions using a mobile device are provided by certain embodiments of the invention. Information associated with a proposed transaction may be received at a mobile device from a point of sale device. The mobile device may communicate a request to approve the proposed transaction to a transaction processor. The request may at least a portion of the received information and an identifier associated with the mobile device. The transaction processor may determine whether to approve the proposed transaction and communicate an approval or decline message to the point of sale device.09-02-2010
20090106116UPDATING DYNAMIC INFORMATION WITHIN AN INTELLIGENT CONTROLLER UTILIZING A SMART CARD - A system for updating a control device includes a user's portable programmable media having a data storage device, and a primary controlling device including a computer having a data storage device for storing data. A primary reader/writer communicates with the primary controlling device, and the primary reader/writer transfers control data and transactional data from the primary data storage device to the user's portable programmable media. A secondary controlling device includes a secondary computer and a secondary data storage device for storing data. A secondary reader/writer communicates with the secondary controlling device and reads the control and transactional data included in the user's portable programmable media, transferring the data to the secondary controlling device for authenticating, completing a transaction, and storing at least part of the data in the secondary data storage device.04-23-2009
20120143705PROCESSING VALUE-ASCERTAINABLE ITEMS - Techniques are provided for allowing a merchant to process third party closed-loop instruments (such as gift cards) as if the closed-loop instruments were open-loop instruments. A customer provides card data of a third party gift card to a merchant, e.g., online or in a merchant store, for the purchase of one or more items provided by the merchant. The merchant sends the gift card data to an intermediary that deducts at least a portion of the balance of the gift card. The intermediary sends an offer for the gift card to the customer. If the customer accepts the offer, then the merchant applies the offer towards the total purchase price of the one or more items.06-07-2012
20130132217MOBILE COMMERCE PLATFORMS AND ASSOCIATED SYSTEMS AND METHODS FOR CONVERTING CONSUMER COINS, CASH, AND/OR OTHER FORMS OF VALUE FOR USE WITH SAME - Systems and methods for converting consumer coins, cash, and/or other forms of value for use with mobile commerce platforms implemented on, for example, smart phones, PDAs, and other mobile devices. In one embodiment, a method for implementing a mobile commerce account on a mobile device includes receiving coins and/or other funds from a user at a consumer-operated kiosk. The method can further include counting the coins and/or other funds to determine a value, and then communicating at least a portion of the value from the kiosk to the hand-held mobile device for deposit in the mobile commerce account.05-23-2013
20130138520METHOD FOR ACQUIRING DATA FROM A POINT OF SALE (POS) SYSTEM BY AN ELECTRONIC LABEL SYSTEM, THE ELECTRONIC LABEL SYSTEM, AND POS LABEL MANAGEMENT SYSTEM - A method for acquiring data from a point-of-sale (POS) system is executed by an electronic label system. The electronic label system includes a host and a virtual printer unit operable to communicate with the host over a network. The POS system is operable to obtain sales information from a database thereof and to transmit the sales information to the virtual printer unit. In the method, the virtual printer unit is configured to convert the sales information into print data that can be recognized by the host, and to transmit the print data to the host through the network.05-30-2013
20130144732METHOD AND SYSTEM FOR ELECTRONIC MERCHANT GIFT CARD CREATION AND REDEMPTION - Embodiments of the present invention provide a method, system and a point of sale device for generating and redeeming a virtual gift card. In accordance with an embodiment of the present invention, a virtual gift card is generated. The virtual gift card includes a computer readable code that corresponds to a gift card amount. The virtual gift card is sent to a recipient. The computer readable code is received from a wireless mobile device at a point of sale. The gift card amount is applied as at least partial payment for a purchase.06-06-2013
20130144733METHOD AND SYSTEM FOR ELECTRONIC NATIONAL FINANCIAL INSTITUTION GIFT CARD CREATION AND REDEMPTION - Embodiments of the present invention provide a method, system and a point of sale device for generating and redeeming a virtual gift card. In accordance with an embodiment of the present invention, a virtual gift card associated with a financial institution is generated, the virtual gift card being redeemable at merchants that accept forms of payment associated with a financial institution. The virtual gift card includes a computer readable code that corresponds to a gift card amount. The virtual gift card is sent to a recipient. The computer readable code is received from a wireless mobile device at a point of sale. The gift card amount is applied as at least partial payment for a purchase.06-06-2013
20110010254TRANSACTION PROCESSING SYSTEMS AND METHODS FOR PER-TRANSACTION PERSONAL FINANCIAL MANAGEMENT - Systems and methods for personal financial management for receiving payment for a transaction amount from a user includes means for receiving from the user a primary account number associated with a primary account having a plurality of subaccounts each having a subaccount indicator and means for receiving from the user a user selected subaccount indicator from among the plurality of subaccount indicators for processing of the transaction amount. The system also includes means for transmitting the primary account number and the subaccount indicator as received from the user to a financial institution for payment authorization of the transaction amount and means for receiving authorization from the financial institution responsive to the transmitting.01-13-2011
20110010255DISPENSING AND MIXING LINE AND METHOD FOR PRODUCTS - Line for dispensing and mixing products, the line having a dispenser (01-13-2011
20110029396METHODS AND SYSTEMS FOR PROCESSING, ACCOUNTING, AND ADMINISTRATION OF STORED VALUE CARDS - Methods are described for accounting, administration and processing of transactions utilizing a stored value card utilizing an EFT service gateway and providing balances for the cards across a plurality of point of sale devices. One method includes receiving a message generated by the point of sale system of a merchant and parsing the message into data elements. The method also includes routing the message through a switch controller to an account holder database based on an institution ID and a branch ID, accessing an account within the database utilizing the account key, and determining if an account holder's monetary balance in the account is greater than or equal to the transaction amount. A message is formatted and one of an authorization approval or a denial based upon the determination is transmitted within the message.02-03-2011
20090055279PAYMENT SYSTEM - A payment system transfers funds from a purchaser to a supplier of goods and services. A single use transient credit code provided to the purchaser effects the transfer. The transient credit code is redeemable to a value limited to said transfer of funds thereby preventing subsequent fraudulent use of the code. The payment system apparatus transfers a payment from a purchaser to a supplier of goods and services. The apparatus incorporates a code issue device which keeps track of and generates a list of limited-value, single-use credit codes. The device issues the codes on request, receives notification of use of the codes and marks respective, ones as used. The transfer is done by single-use transient credit codes provided to the purchaser. The codes are redeemable to the value limited to a payment.02-26-2009
20110047037Automatic Electronic Trip Receipt System and Method for Chauffeured Vehicles - The present invention relates to an automatic electronic trip receipt system and method for chauffeured vehicles, and more particularly, to an automatic electronic trip receipt system which combines an in-car device and a center server to automatically generate a electronic trip reports or receipts for a passenger; wherein the center server comprises a dispatch server for transmitting related dispatch data to in-car device, a communication server for wirelessly communicating with the in-car device, a trip data server for storing trip data, and a trip data inquiry server for the passenger to inquire a specified list of trip reports; the in-car device comprises an in-car device main processor for processing signals from modules, which comprise a GPS module, a wireless communication module, a boarding/disembarking detecting module, a tachometer counter module, an external meter reading device and a credit/debit card charging and card ID reading device.02-24-2011
20110119141Siccolla Identity Verification Architecture and Tool - Siccolla is an identity verification architecture utilizing wireless phones as an identity verification tool. The wireless phone has a specialized built-in fingerprint sensor, camera, and blood sensor to acquire high quality images of biometrics, including but not limited to the iris, face and fingerprints, as well as DNA sampling, to perform identity verification via biometric recognition to secure credit card/debit card/financial instruments and general multi-purpose local and/or remote identity verification transactions at the Point-of-Sale terminals (POS), online for E-Commerce, and at any general purpose point of transaction at which a positive identity verification in real time must occur to prevent identity theft and financial fraud and enable commerce, E-Commerce, or general access or business to proceed and prosper. In doing so the system also feeds the biometrics obtained of all those individuals fraudulently attempting to utilize someone else's identity into a database, creating a watch list of fraudsters against which institutions can verify any and all of the identity of any and all individuals that they come across in the line of their business, to protect themselves from financial losses, fraud, and/or physical events or actions which may cause harm to themselves, their physical and logical facilities, as well as all their customers, employees, and/or innocent bystanders.05-19-2011
20090259556SYSTEM AND METHOD FOR ENHANCED CUSTOMER KIOSK ORDERING - The present disclosure is directed to a system and method for presenting restaurant items for ordering through a customer ordering kiosk, comprising the steps of displaying a list of restaurant item selectors within an ordering interface screen, receiving a selection signal indicating that one of the restaurant items has been selected. displaying one or more of the selected restaurant items within an order cart interface screen, wherein each of the selected restaurant items includes a selector box representing dietary options for the selected restaurant items. A dietary option is a predetermined set of ingredients associated and in accordance with a known set of preferences or nutritional restrictions.10-15-2009
20090259555SYSTEM AND METHOD FOR ENHANCED CUSTOMER KIOSK ORDERING - The present disclosure is directed to a system and method for efficiently facilitating the selection and purchase of a restaurant item using a customer ordering kiosk comprising displaying a set of restaurant items available for purchase on a first ordering interface screen, receiving a triggering signal, displaying an overlay interface screen and preventing the first ordering interface screen from receiving any input from a customer while the overlay interface screen is displayed. The triggering signal can represent that a restaurant item has been selected, customization of a restaurant item has been completed, the customer has finished selecting restaurant items or a predetermined amount of time has passed without any input signals being received by the kiosk. Additionally, the overlay interface screen can facilitate meal creation, restaurant item customization, payment and kiosk system timeout.10-15-2009
20110251909CREDIT CARD PAYMENT SYSTEM FOR HANDLING NUMEROUS PAYORS - A method, apparatus, computer system and computer program product for managing a plurality of credit card payments over a communications network is disclosed. The apparatus of the present invention includes a plurality of slots, each allowing for insertion of a card. Each slot includes a sensor for reading information from a card inserted into the slot and a moving mechanism for ejecting a card inserted into the slot. The apparatus further includes a processor communicatively coupled with each sensor and moving mechanism associated with each slot, wherein the processor is configured for receiving data read by the sensors and sending an actuation command to the moving mechanisms. The apparatus further includes a communications module communicatively coupled with the processor for sending data read by the sensors and receiving commands for actuating the moving mechanisms.10-13-2011
20100057579METHOD AND SYSTEM FOR MANAGING PURCHASE TRANSACTIONS BETWEEN A CUSTOMER AND A MERCHANT - A method of storing change resulting from a customer/merchant cash purchase, includes providing the customer with a customer electronic purse on a portable storage device for storing credit and the merchant with a merchant electronic purse for storing credit, communicating with the storage device through an access device communicating with the portable storage device, electronically crediting a value representing the change in the customer electronic purse from the merchant electronic purse, and debiting the merchant's electronic purse to an amount equivalent to the change that is credited to the customer electronic purse, the change value credited to the customer electronic purse is redeemable for further purchases, the customer electronic purse is stored solely in the storage device and the merchant electronic purse is stored solely in the access device, facilitating immediate transfer of credit directly from the merchant electronic purse to the customer electronic purse via the access device.03-04-2010
20110153439COMPUTERIZED DEVICE FOR SALE OF GOODS AND SERVICES - The computerized device for sale of goods and/or services comprises the banknote validating device (06-23-2011
20100070375Personal Information Applications, Personal Information Access Devices, and Methods of Accessing Personal Information - Information access methods include determining that a user desires to access restricted information controlled by an information provider and without intervention by the user, accessing user authentication information associated with the information provider, providing the user authentication information to the information provider, and requesting that the information provider authenticate the user authentication information. Subsequent to the requesting, the methods include providing the user with the restricted information. Consumer purchase methods include a consumer establishing communication between a personal access device and a point of sale terminal, the personal access device storing financial information associated with the consumer; the point of sale terminal requesting user authentication information associated with the personal access device from the consumer; based on the user authentication information, the point of sale terminal retrieving the financial information from the personal access device; and securing payment for goods and/or services using the financial information.03-18-2010
20100063887METHOD OF REUSING SHIPPING AND PACKING MATERIALS - The inventions relate to systems and methods for reusing recyclable materials used in the manufacturing and transportation of goods, including containers used in the packaging and shipment of such goods. The disclosed systems and methods include the use of data devices to collect and report data associated with the recyclable materials. The data devices may collect information about recyclable materials and containers, including the amount of a deposit paid by a customer for a container, the receipt of the container at a service center and any amounts returned to the customer from a secure merchant account after an inspection of the condition of the container. The data device may also record the condition of the container, whether it is reused, refurbished and reused, or recycled, and how many cycles of use the container experiences.03-11-2010
20100063888IDENTITY VERIFICATION SYSTEM FOR MONITORING AND AUTHORIZING TRANSACTIONS - An identity verification system and method for monitoring transactions has a point of transaction input component configured for inputting information pertaining to the identity of a person involved in a transaction and for inputting a transaction amount. A biometric scanner is provided for scanning a unique and identifiable physical attribute of the person and thereupon generating scanned biometric data. A controller communicates with the point of transaction input component and the biometric scanner. A remote input component is provided for inputting financial data field parameters. A database communicates with the controller for storing reference biometric data. The controller is configured for comparing the scanned biometric data with the reference biometric data to determine if there is a substantial match and for comparing the transaction amount to the financial data field parameters to determine if the transaction amount meets the financial data field parameters for validating the transaction.03-11-2010
20110153438PAYMENT TERMINAL MESSAGING - A payment terminal and a host computer system are configured to provide human-readable messaging capability with a person at an external location outside of a financial infrastructure. A payment terminal at a point of sale may be used to cause human-readable message content to be forwarded to the person by the host computer system, either automatically or at the instigation of an operator of the payment terminal. Message content from the person may be delivered to the payment terminal for display to the operator. The person at the external location may be able to retrieve information stored in the payment terminal via standard communication channels. The system also provides a mechanism for exchanging messages between payment terminals.06-23-2011
20110099079Secure Mobile-Based Financial Transactions - Devices, systems and methods are disclosed which relate to securing payments from a mobile communications device. In exemplary embodiments, a mobile communications device communicates with a payment server via a point-of-sale device to conduct a transaction. The mobile communications device uses a client payment logic to send payment information to the point-of-sale device. The point-of-sale device uses a vendor payment logic to forward the payment information to the payment server. The payment server verifies the payment information and sends confirmation to the point-of-sale device.04-28-2011
20110153437METHOD AND SYSTEM FOR PROVIDING VIRTUAL CREDIT CARD SERVICES - An approach is provided for virtual credit card services. A request for a limited use transactional account number representing a virtual credit card is generated at a mobile device. The limited use transactional account number is received in response to the request. A point of sale interface is configured with the limited use transactional account number for presentation at a point of sale terminal.06-23-2011
20110071913Inserting Value Into Customer Account at Point of Sale Using a Customer Account Identifier - A method of adding a value to a customer account is provided. A request to add a value to a customer account of a customer is received from a point of sale terminal. The request may comprise value identification data associated with the value and account identification data associated with the customer account. The customer account identification data may be entered at the point of sale. The request may be associated with a purchase of the value. The value may be caused to be added to the customer account. During subsequent value purchase transactions, additional value may be added to the account.03-24-2011
20090018923METHOD AND APPARATUS FOR RECOMMENDING A PAYMENT METHOD IN A TRANSACTION - The illustrative embodiments described herein provide a computer-implemented methods apparatus, and computer program product for recommending a payment method in a transaction. The process generates a user profile based on user information. The process receives data regarding incentives available for using a set of payment methods to form incentive policy data. The process identifies a set of parameters associated with the transaction. The process generates a set of recommended payment methods in the set of payment methods using the user profiles the incentive policy data, and the set of parameters to form a recommendation. The set of recommended payment methods are recommended to complete the transaction. The process provides the recommendation to a user.01-15-2009
20110251910Mobile Phone as a Switch - Embodiments of the streamlined payment system described herein are directed to a consumer mobile device (e.g., a mobile phone) that sends transaction details for authorization, instead of the merchant sending the transaction details for authorization. This eliminates the need to present the consumer's payment account information to the merchant. The transaction details may include an amount and merchant payment initiation information. In one embodiment, the consumer mobile device may directly contact an issuer without using a traditional payment processing network. The issuer may then approve or deny the transaction and communicate directly with the issuer, merchant, or merchant's acquirer. In one embodiment, transaction details may need to be communicated from a computing device (e.g., a PC) operated by the consumer that is not collocated with the merchant. In this embodiment, the transaction details may be encoded into a particular format that can be received and read by the consumer's mobile device. The format may be a transaction details identifier or a transaction details data payload. The transaction details identifier or transaction details data payload may be an SMS or MMS message, barcode, watermarked image, or manual identifier that represents the transaction details. The SMS/MMS message with transaction details payload or identifier may be received by the mobile device. The barcode, text image, or watermarked image may be read using the mobile device's camera or other input means.10-13-2011
20080288358Funds collection tools and techniques - Tax collection tools and techniques automatically and electronically separate tax amounts from other funds in a commercial transaction, and divert the collected tax into a holding fund. The holding fund bears income, at little or no risk. Funds collected are tracked, as are their payment due dates, and tax payments are made automatically from the holding fund to tax authorities in a timely manner on behalf of merchants. Income from the holding fund may be distributed among various parties. Collection of debt, whether taxes or otherwise, through automatic incremental billing is also described.11-20-2008
20100005002Bookmark Beacon System And Method - A bookmark beacon system comprises a computer network, a wireless network configured to enable a wireless device to access the computer network, and a bookmark beacon that transmits a bookmark data packet to the wireless device. The bookmark data packet includes a resource address that enables the wireless device to retrieve information stored on the computer network.01-07-2010
20090276322RETAILER DEBIT CARD SYSTEM - Methods for soliciting and enrolling customers for a retailer payment instrument are disclosed. For example, a method is disclosed for enrolling a customer for a retailer debit card which includes receiving enrollment data from the customer, establishing a check writer rating for the customer based on a history of checks associated with the customer and stored by the retailer, adjusting a validation threshold score based on the check writer rating, and denying enrollment of the customer if the validation score is less than the adjusted validation threshold score. Other associated methods and systems are also disclosed.11-05-2009
20090240592ELECTRONIC NETWORK ACCESS DEVICE - Methods and systems are described for processing transactions. The methods and systems enable a consumer to present a customer identifier, such as a merchant loyalty or membership card or other identifier as a payment device at a point of sale. In one implementation, a personal account number is generated by appending a proprietary routing code to a customer registration account number so that the personal account number is formatted for transmission as a payment device number over an electronic funds transfer network. In another implementation, the customer registration account number comprises the proprietary routing code. A preferred payment account identifier is accessed, based on the personal account number, from a database base, and a transaction approval message is constructed comprising the preferred payment account identifier. The account from which payment is made may be a credit account, a demand deposit account, a stored value account, or another kind of account.09-24-2009
20090182639SHIPPING STATION AND LOGISTICS SYSTEM - An exemplary embodiment of the present invention relates to a shipping station. An exemplary shipping station includes a shipping pad that is placed at a cash register. The invention further relates to a logistics system.07-16-2009
20080228586Method for Automatically Determining a Fare for the Use of Chargeable Means of Transport Conveying Persons - Disclosed is a method for automatically determining a fare for utilizing chargeable means of transport conveying persons. According to said method, a credit which is established in a currency that is valid in a first currency zone and is used for automatically deducting the fare when utilizing a means of transport is allocated to a user terminal, a factor for converting the first currency into a second currency that is valid in a second currency zone is defined as soon as the user terminal is utilized in a second currency zone, and fares are automatically determined in the second currency, are converted into the first currency using the defined conversion factor, and are deducted from the credit established in the first currency as long as the user terminal is not utilized in another currency zone.09-18-2008
20090089172MULTI-LINGUAL TWO-SIDED PRINTING - Methods of, and systems for, multi-lingual two-sided printing are provided. According to one embodiment, a method of multi-lingual two-sided printing is provided, the method comprising: initiating a transaction; identifying a first language for printing on a first side of two-sided media and a second language for printing on a second side of the two-sided media based on one or more aspects of the transaction; printing information on the first side of the two-sided media in the first language; and printing information on the second side of the two-sided media in the second language, wherein the first language is different from the second language. Variations including the printing of transaction information on a first side of two-side media and additional information on a second side of the two-sided media when an identified first language is not different from an identified second language are also disclosed.04-02-2009
20090055280Pay at the Table System - Patrons at a restaurant or bar can pay at their table using credit cards, without involving the restaurant or bar cashier and/or wait staff. Patrons are assisted using this system in dividing the bill by displaying the amount due (including tax) and allowing each patron to enter the amount they wish to pay. When the initial bill is presented, a balance due will be displayed and the indication will be provided that the bill has yet to be paid in full. As each transaction is entered, a running total will be displayed indicating the remaining balance due. When the running total reaches zero, the bill is paid in full, and an indication will be provided, such as by illuminating a green indicator light or by displaying a balance due of $0.00.02-26-2009
20110055032INTEGRATED POINT OF SALE (POS) TERMINAL - The integrated point of sale (POS) terminal includes: a calculating device; and a monitor, an input device and an output device respectively electrically connected to the calculating device. An input data is inputted into the calculating device via the input device and displays on the monitor, and then the output data is displayed thereon and outputted from the output device post calculation. In other POS, the input device performs input and output functions, or a touch panel might be the input device.03-03-2011
20110119140System, Program Product, and Method for Debit Card and Checking Account Autodraw - A consumer is prequalified for a line of credit attached to a checking account by a lending institution computer responsive to consumer underwriting data. The lending institution computer makes available draws to the line of credit line in an authorization stream for a proposed payment from the checking account. When the line of credit is accessed, the checking account is credited with an additional value equal to one or more preselected loan increments so that the account then has a new amount totaling a previous amount plus the amount of value of the one or more preselected loan increments and so that the new amount exceeds or equals the value of a proposed payment. Next, a new value for the line of credit balance available is determined, accounting for value credited to the checking account and a preselected loan advance fee for each loan increment credited to the account.05-19-2011
20110010253SYSTEMS AND METHODS FOR PER-TRANSACTION FINANCIAL CARD ENABLED PERSONAL FINANCIAL MANAGEMENT - Systems and methods for personal financial management using a financial card having a primary account with a plurality of subaccounts within the primary account, the systems and methods includes the financial management, transaction processing systems such as point of sales system, financial account management system and support systems are configured for processing transactions from user selected subaccounts within the primary account in real time at the time of processing each payment transaction and including processing each transaction from user selected subaccounts by indicating at the time of each transaction a particular transaction identifier indicating the particular subaccount within the primary account.01-13-2011
20100325001SYSTEM AND KIOSK FOR COMMERCE OF OPTICAL MEDIA THROUGH MULTIPLE LOCATIONS - A kiosk dispenses and receives recorded optical media using an interconnected central server, through an Internet Service Provider. The central server has databases and processing capabilities and is connected to a credit verification system. The databases collect inventory administration information and customer data (e.g., credit card information and email addresses) from the kiosks. The central server initiates credit verification, sends receipts to customers via email and maintains databases for remote inventory-control and administration of the kiosk network. A kiosk may identify a recorded disk for automated restocking and perform quality assessment of a recorded disk. The kiosk may provide publishing-on-demand or act as a portal for remotely served advertisements. The kiosk preferably includes a rotatable carousel with a selection of DVDs. A digital camera captures a digital image of a disk barcode and internal software rotates the image to “read” the barcode, to control inventory and access issues.12-23-2010
20100262503THE METHOD OF COMMUNICATION WITH THE POS TERMINAL, THE FREQUENCY CONVERTER FOR THE POST TERMINAL - The communication method with the POS terminal that improves transmission characteristics of the authorized payment from the mobile communication device (10-14-2010
20120310757METHOD FOR CONTROLLING STORES AND SYSTEM FOR THE SAME - A method and system for managing and controlling a store are disclosed. In a store controlling system comprising a digital signage display configured to communicate with a user or a user terminal and to provide a user interface, and a managing system configured to communicate with the digital signage display, so as to manage and control the store, the method for controlling a store includes the steps of authenticating the user or the user terminal, receiving information on a purchase list, outputting product information based upon the received purchase list information, receiving a selection input for purchasing at least one product, generating payment information based upon a basic unit price and a quantity of the at least one product being selected for purchase, and outputting the generated payment information, and processing payment, and controlling a release of the at least one purchased product, when the payment process is completed.12-06-2012
20120310756SYSTEM AND METHOD FOR DISPLAYING USER'S SIGNATURE ON POS TERMINALS - A system and a method for authenticating financial transactions on PUS terminals have been disclosed. The system 12-06-2012
20100121725METHOD AND APPARATUS FOR CONTACTLESS PAYMENT AUTHENTICATION - The present disclosure relates generally to the authentication of contactless payments attempted by a device having embedded contactless payment functionality. In particular, the disclosure is directed to systems and methods that utilize authentication schemes that already exist on a device in which the contactless payment functionality is embedded. One example of such authentication schemes is the use of password protection to lock or unlock the device in which the contactless payment functionality is embedded. Using the password protection functionality may provide varying levels of authentication protection based on the desires of the user. A number of exemplary uses of such a method and apparatus are disclosed herein.05-13-2010
20110078031SECURE TRANSACTIONS USING A POINT OF SALE DEVICE - Systems and methods are provided for secure transactions according to one or more embodiments. According to an embodiment, a method for providing secure transactions comprises initiating a transaction via a point of sale device having a one time password generator. The method also comprises generating at least one password by the point of sale device. The method further comprises associating the at least one password with account information. The method further comprises transmitting the password associated with the account information to a remote location. If the transmitted password matches predetermined associated information at the remote location, the method further comprises confirming the transaction.03-31-2011
20100036741APPLICATION CURRENCY CODE FOR DYNAMIC CURRENCY CONVERSION TRANSACTIONS WITH CONTACTLESS CONSUMER TRANSACTION PAYMENT DEVICE - Data is wirelessly reading from a consumer's smart card and then parsed to derive the consumer's account upon which a transaction is to be conducted between a merchant and an Application Currency Code (ACC) corresponding to a second currency. The amount of the transaction is converted from the merchant's local currency to the second currency and included in an authorization request sent to the merchant's acquirer. A receipt for the amount of the transaction in the second currency is rendered if the transaction is authorized.02-11-2010
20120150673SYSTEMS AND METHODS FOR CONDUCTING FINANCIAL TRANSACTIONS USING NON-STANDARD MAGSTRIPE PAYMENT CARDS - Systems and methods for conducting financial transactions using non-standard magstripe payment cards are provided. One such system includes a magnetic stripe card storing information including a serial number on a magnetic medium of the magnetic stripe card, where the stored information does not include a Primary Account Number, a card reader configured to extract information from the magnetic medium, the extracted information including the stored serial number and a magnetic fingerprint including an intrinsic magnetic characteristic of the magnetic medium, and a computer coupled to the card reader and to a server, where the computer and the server are configured to execute a requested financial transaction using the extracted information.06-14-2012
20110184821PAYMENT DEVICE TRIGGERED MODIFIED TRANSACTION SESSION AT POINT OF SALE - Systems, methods, and computer program products are provided for providing a modified transaction process or session for a consumer at a point of sale of a vendor when triggered by a consumer's transaction or payment device. The transaction device either stores consumer preference data or stores pointer data pointing to the network location of the consumer preference data. The transaction device communicates with the vendor's point of sale or payment terminal, and the payment terminal processes the consumer preference data. If the payment terminal determines the consumer prefers a modified transaction session, the payment terminal initiates the modified transaction session, which in various embodiments, includes one or both of communicating transaction information via consumer-readable communications proximate the consumer's mobile device and receiving consumer input proximate the consumer's mobile device and communicating the consumer input to the payment terminal for processing or other modifications to a typical transaction session.07-28-2011
20100030651Mobile phone as a point of sale (POS) device - A system and method for provisioning one or more value added services to a postpaid/prepaid mobile account and/or a postpaid/prepaid mobile device using a wireless communication device as a point-of-sale device, is disclosed.02-04-2010
20100023411System of transferring and utilising reusable credit - The present Invention provides a system of transferring and utilising reusable credit including a server having at least one database, at least one credit account having at least one line of credit, at least on© request for transfer, a reusable credit transfer processing (RCTP) system, a reusable credit accounting and transaction processing (RCATP) system and a reusable credit-merchant acceptance (RCMA) system whereby the system of transferring and utilising reusable credit provides a means for enabling a sender to transfer reusable credit to a recipient for the purchase of goods/services and/or payment to another third party.01-28-2010
20090144163Disparate Network Systems and Methods - Electronic transaction data and/or electronic payment data therefor is routed to disparate payment networks for a multitude of transactions. A software-programmed computer type circuit receives and processes point-of-sale transaction data to select two disparate payment networks for processing electronic payment for the transaction data. Transaction and/or payment data is routed to each of the disparate payment networks, to respectively debit and credit payment accounts, to provide payment to a seller on behalf of a buyer involved in the transaction.06-04-2009
20110137740PROCESSING VALUE-ASCERTAINABLE ITEMS - Techniques are provided for allowing a merchant to process third party closed-loop instruments (such as gift cards) as if the closed-loop instruments were open-loop instruments. A customer provides card data of a third party gift card to a merchant, e.g., online or in a merchant store, for the purchase of one or more items provided by the merchant. The merchant sends the gift card data to an intermediary that deducts at least a portion of the balance of the gift card. The intermediary sends an offer for the gift card to the customer. If the customer accepts the offer, then the merchant applies the offer towards the total purchase price of the one or more items.06-09-2011
20100057580UNIFIED PAYMENT CARD - A consolidation system for consumer gift cards, prepaid purchase cards or loyalty accounts which allows the consumer the flexibility to maintain account with a variety of independent merchants, each account individually tabulated, and access to each account available from a single unitary universal membership card.03-04-2010
20090083159FORM FACTOR IDENTIFICATION - A payment device, method, and apparatus configured to determine the form factor of the payment device used in a financial transaction, without requiring a different primary account number for each payment device form factor.03-26-2009
20090171797Positionally Trackable Payment Device - A payment device includes a positioning module for determining a location of the payment device. The positioning module has a receiver for receiving a signal from a navigational system. A first antenna is operably connected to the positioning module. A transmitting module is operably connected to the positioning module. The transmitting module emits a location signal corresponding to the location of the payment device as determined by the positioning module. An account information element is interrogatable by a point of sale device for permitting the completion of a commercial transaction.07-02-2009
20090171798MERCHANDISE SALES DATA PROCESSING APPARATUS AND COMPUTER READABLE MEDIUM - Articles are placed in a commodity placement area thereby to acquire figure images of the articles, based on stored data acquired from wireless tags respectively attached to the articles. The acquired image forms are developed and displayed in X-axis and Y-axis directions in a display area of a display. A commodity registration screen that enables the choice of each article by an operation at a touch panel, e.g., a registration method selection dialogue, a voice registration dialogue, selection candidates, etc. are displayed on the display.07-02-2009
20090171795PERSONAL CHECK ACCEPTANCE SYSTEMS AND METHODS - Tools for facilitating the acceptance of personal checks and other presentation instruments. The tools, in some aspects, allow for preauthorization of a personal check (or other presentation instrument) prior to the merchant receiving the actual check, allowing a merchant, for example, to accept an order by phone, obtain details about the check that will be used to pay for the order, obtain preauthorization to accept the check, and arrange for delivery of the order. Upon delivering the order, the merchant can receive the check, and then obtain a full authorization to accept the check. The full authorization can be based primarily on the preauthorization, giving the merchant assurance that the check will in fact be authorized. In some cases, the tools of the invention also settle the check; in a particular aspect, the check can be settled without requiring the merchant to deposit the check.07-02-2009
20120011012SYSTEM 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.01-12-2012
20120011011Method and System for Detection of Credit Card Fraud - A method and system for detecting and preventing the fraudulent use of credit/debit cards. A number, referred to as a pre-stored Card Identity Key, is typically four or five digits in length, and the final two digits of this number are variable according to a formula which is applied at the time of the attempted transaction. The pre-stored CIK is created by the credit card owner or issued by the card-issuing financial institution, and is maintained in the card-issuing financial institution's computer database and used along with a software routine for validation. The software routine used for validation employs the formula, which is typically created and memorized by the card owner, to generate a dynamic Card Identity Key from the pre-stored Card Identity Key. The dynamic Card Identity Key must be entered by the card holder/user at a merchant terminal for validation of the transaction. Typically the internal time and/or date are displayed on the screen at the merchant terminal at the time the user's credit card is swiped, and at least a portion of the time and/or date shown is utilized in the formula to generate the dynamic Card Identity Key.01-12-2012
20120011010SECURE SYSTEM AND PROCESS FOR IDENTIFICATION AND IDENTITY REGISTRATION - An identification and registration system including a scanner (J) for making a digital copy of an identity document (K), a server (A), transmission means for transmitting said digitized copy, character recognition means (E) for extracting from said digital copy information relating to identity, a database (B) for storing said digital copy and said identity-related information, a EPT/POS electronic payment terminal (I), transmission means for transmitting said identity-related information to said EPT/POS, a telephone (H) associated with a secret code, transmission means for transmitting the number of said telephone from said EPT/POS to said server, means for sending by said server to said EPT/POS a melody to be played, means (C) for calling said telephone by said server, and means of audio identification (C) by said server of said melody via said telephone call to said cellular telephone.01-12-2012
20120011009TWO PHASE PAYMENT LINK AND AUTHORIZATION FOR MOBILE DEVICES - Aspects of the invention are directed to a two phase payment link and authorization method and system for mobile devices. A method for payment and authorization according to an embodiment includes: requesting and receiving, at a mobile device, a transaction identifier from a payment service; displaying the transaction identifier on a display of the mobile device, wherein the transaction identifier is in a machine readable format; scanning the transaction identifier at a point of sale system; sending the transaction identifier and transaction information associated with items to be purchased from the point of sale system to the payment service; creating, at the payment service, a logical link between the mobile device and the point of sale system, based on the transaction identifier; and sending the transaction information from the payment system to the mobile device.01-12-2012
20110166947INTEGRATED INTERFACE APPARATUS FOR POINT-OF-SALE SYSTEM - An example integrated interface apparatus configured to be associated with a point-of-sale system. The integrated interface apparatus includes a base member, vertical arm member, display device and data input device. The base member is configured to be disposed on a surface. The vertical arm member is operatively connected to the base member. The vertical arm member includes a terminal attachment member and a side attachment member disposed below the terminal attachment member and above the base member. The display device is operatively connected to the terminal attachment member and the data input device is operatively connected to the side attachment member.07-07-2011
20120016759POINT OF SALE DATA COLLECTION - A point of sale (POS) data collection system includes a POS data collector that is implemented as a hardware device and/or in software. The collector may be installed at the point of sale in retail stores, for example, between a barcode scanner and the POS application running on a POS terminal (for example, the cash register). When a product is scanned at the point of sale, the collector may intercept the barcode as it transmitted from the barcode scanner to the POS application. After intercepting the barcode, the collector may transmit the barcode to the POS application without noticeable delay, so that the collector does not interrupt standard business processes. In addition, the collector may send the barcode to a remote server via a network connection. In this manner, the remote server may collect POS data that covers a significant number of products, retailers, and locations.01-19-2012
20120016758SYSTEM, METHOD, AND APPARATUS TO FACILITATE COMMERCE AND SALES - A system and method for conducting commerce and sales operations is disclosed. A sales representative identifies a customer, chooses a product, and completes a sales transaction using a front-end POS software application. The sales data is transferred to a central storage server, where a master database is created with the data from the front-end POS software application. The central storage server transmits and receives data from back-end corporate servers and databases and creates a master database containing data from corporate applications. The front-end POS software devices uses a holster that includes a docking station, sliding cradle for a mobile device, a card reader, and an infrared scanner to identify products and complete payment.01-19-2012
20100250377AUTOMATIC PRODUCT PRICE PAYMENT COUNTER - Disclosed herein is an automatic product price payment counter including an input device, an output device, and a control device. The input device inputs information about one or more products to be purchased by detecting a barcode attached thereon. The output device displays the information about the products and performs steps of paying for the price of the products. The control device performs comparison and determination on the information input from the input device with information stored in product information DataBase (DB). The input device includes a weight measurement unit including a first balance and a second balance configured to measure the weight of the products, and a cash slot and a card slot. The output device includes a cash change slot configured to refund change after the price of the products has been paid in cash.09-30-2010
20120209732METHOD AND SYSTEM FOR COLLECTING ACCESS POINT INFORMATION IN LINKAGE WITH MOBILE CARD PAYMENT SYSTEM, AND MOBILE COMMUNICATION TERMINAL THEREFOR - Provided is a method and system for collecting access point information in linkage with a mobile card payment system to measure a location of a user using an access point of a wireless local area network (WLAN) service. The method may include (a) receiving payment information relating to a mobile communication terminal from a card company server, (b) transmitting an access point information collecting control signal to the mobile communication terminal based on the payment information, (c) receiving access point information collected by the mobile communication terminal in response to the control signal, and (d) storing the received access point information in a storage means.08-16-2012
20090164324Methods for a Third Party Biller to Receive an Allocated Payment Authorization Request - A point of sale (POS) device may be configured to locate a payment system and transmit a payment authorization request from a remote location to a payment system, either directly, or via a payment system directory and/or a SSL Gateway. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer. The payment system directory is further configured to determine one or more payment processors to direct a payment authorization request, such that a single transaction may me allocated among multiple payment processors for authorization. Moreover, the payment system directory is able to format alternative payment methods into a format that is able to be processed over existing payment networks.06-25-2009
20120072296METHODS AND SYSTEMS FOR INITIATING A FINANCIAL TRANSACTION BY A CARDHOLDER DEVICE - A method and system for processing a financial transaction initiated by a cardholder with a merchant. The cardholder initiates the transaction using a cardholder input device and transmits an authorization request message including transaction data received by the cardholder input device from a point of sale (POS) device associated with the merchant. The authorization request message is received by a computer system. The transaction data is validated, and an authorization response message is transmitted after validation. The cardholder input device may forward the authorization response message to the POS device for completing the transaction.03-22-2012
20110066516Portable Consumer Device Configured to Generate Dynamic Authentication Data - Embodiments of the invention provide a portable consumer device configured to store dynamic authentication data in memory. The portable consumer device also includes an interface for transmitting data to and receiving power from an external device. The dynamic authentication data is read from the memory by a read-write device located on the portable consumer device. The authentication data is updated and the updated data may be written into memory using the read-write device. In some embodiments, an authentication value read from the memory may be used to generate another authentication value based on an algorithm. The portable consumer device is further configured to transmit authentication data to an external device. The process of reading, updating, generating, transmitting, and rewriting the authentication data may occur each time external power is provided to the portable consumer device via the interface. The power for operating the components of the portable consumer device may be drawn exclusively from the power received from the external device (i.e., the external power). In some embodiments, a portion of the external power may be temporarily stored on an energy storage means of the portable consumer device.03-17-2011
20110066515Automated electric plug-in station for charging electric and hybrid vehicles - Provided is an automated plug-in station for charging electric powered vehicles. The station includes a plug apparatus with a plug head that connects to an adapter on the electric powered vehicle and configured to pass electric charge to the battery of the electric powered vehicle. The plug apparatus extends automatically from a basin once proper alignment is established by a positioning system. Prior to charging, the plug apparatus is enclosed within the basin by a cover door which opens by an actuator when a vehicle enters the station; and when charging is complete, the plug automatically disconnects from the vehicle and withdraws back into the basin. The plug-in station also provides for receiving and processing payments at a payment system in the station.03-17-2011
20110066514System and/or method for handling returns involving products tied to post-paid subscriptions/services - The exemplary embodiments described herein relate to the field of electronic registration (ER) of purchased products and, more particularly, to an improved electronic registration system that enables unique item-level tracking from an initial point-of-sale (POS) transaction involving a post-paid service/subscription and related device or product, to any cancellations in service and returns to the store or service provider. Certain exemplary embodiments thus advantageously “close the gap” between retailers and service providers, e.g., in connection with subscriptions/post-paid service agreements and related devices or products. In certain exemplary embodiments, an “interest” may be taken and charged in the event that the customer does not return the device when or after an associated service has been cancelled.03-17-2011
20110106638CASH MANAGEMENT OPTIMIZATION FOR PAYMENT PROCESSING - Embodiments of the present invention provide a method, system and computer program product for cash management optimization method for payment processing. In an embodiment of the invention, a cash management optimization method for payment processing can include receiving a transaction profile for a proposed transaction as payment for a purchase by a purchaser from a merchant at a card processing terminal configured to identify a card number for a card. The method further can include comparing the transaction profile to merchant-specified preferences mapping different transaction profiles to different payment processors. A payment processor for the proposed transaction can be selected based upon the comparison of the transaction profile to the merchant-specified preferences. Thereafter, the proposed transaction can be routed over a computer communications network to the selected payment processor for payment processing.05-05-2011
20120123883NFC TRANSACTION SERVER - A near field transaction system includes a first transaction device having near field communication circuitry, and a portable device having near field communication circuitry. The system also includes at least one transaction server having a memory area with at least one application program, and a mechanism for establishing a data link between the server and the near field communication circuitry of the portable device. The application program is configured to perform a transaction with the first transaction device, using the near field communication circuitry of the portable device as a proximity relay to communicate with the first transaction terminal.05-17-2012
20120316976TRANSACTION CARD PROCESSING SYSTEM AND METHOD - A transaction card processing system including at least one server, at least one point of sale device for processing transactions using a transaction card and a database storing processing fee information for various categories of transaction cards, at least one of the at least one server and the at least one point of sale device being responsive to entry of a transaction card identifier via one of the at least one point of sale device for ascertaining processing fee information for the transaction card by accessing the database and for ascertaining whether the processing fee information exceeds a predetermined threshold and in the event of exceedance of the threshold to cause the point of sale device at which the entry took place to provide a notification responsive to the exceedance.12-13-2012
20120166295SECURE CONTACTLESS PAYMENT SYSTEMS AND METHODS - According to the invention, a system for providing payments to a point of sale device is disclosed. The system may include a mobile device having a storage medium, an input device, a wireless transmission device, and a processor. The storage medium may include individual authentication information and device authentication information. The input device may be configured to receive an input. The wireless transmission device may be configured to selectively transmit the device authentication information to a nearby point of sale device. The processor may be configured to compare the input with the individual authentication information, and activate the wireless transmission device to transmit the device authentication information if the input is correlated with the individual authentication information.06-28-2012
20120233004System for mobile electronic commerce - A System for Mobile Electronic Commerce includes a first server, a first database, and a mobile application executable on a mobile device. The first server is in communication with a first database. The first database stores bar code information.09-13-2012
20100250375Consumer Due Diligence For Money Transfer Systems And Methods - A method of transferring money from a sender to a recipient using a third party money transfer service a point of sale device receiving transaction details for a requested money transfer; determining whether the requested transaction is an allowable transaction; and either aborting the transaction; attempting to identify the sender as an existing customer using the transaction details; using the sender's transaction history and the transaction details to determine whether to allow the requested transaction to proceed. If the requested transaction is allowed to proceed, the method includes creating a money transfer record for the requested transaction; associating a money transfer control number to the money transfer record; and using the transaction details to determine whether to monitor the requested transaction.09-30-2010
20100250376VIRTUAL TERMINAL FOR MOBILE DEVICES - Systems and methods are disclosed herein to allow merchants having accounts with payment service providers to accept credit card payments using their mobile devices such as a cell phone, a PDA (Personal Digital Assistant) etc. A payment acceptance application running on the mobile device allows a merchant to enter the purchaser's credit card information and other billing information, to preview the information, to transmit the information to a remote website processing the payment, and to receive confirmation that the transaction has completed successfully.09-30-2010
20100250378VOUCHER SYSTEM AND METHOD OF USE - A system for managing voucher use includes a database, a voucher, and a processor. The database stores an account defining at least one approved item available for purchase and a financial balance. The voucher includes an identifier linking the voucher to the account. The processor is in communication with the database and is adapted to use the identifier to access the account. The processor is adapted to determine if an item selected for purchase is an approved item and to apply at least a portion of the financial balance toward the purchase of the selected item only if the selected item is an approved item. Other voucher systems and associated methods are also disclosed.09-30-2010
20120173351Mobile Electronic Shopping - The present disclosure describes electronic shopping systems, specifically electronic shopping and payment embodiments, which utilize a software program running on a device to digitally photograph a machine-readable representation of data including but not limited to a UPC, a digital photograph of a product or product identification code, a voice representation of a product or product identification code, or the manual entry of a product identification code to identify products which are then stored on a client or server in a virtual shopping cart. Virtual shopping cart items are purchased through an electronic payment system from the mobile device using a client and server. The physical representation of these items may be located in an actual shopping cart in a brick and mortar store or virtually located through the Internet.07-05-2012
20100205063ELECTRONIC PAYMENT TRANSACTION SYSTEM - A method of pre-staging a financial transaction includes sending payment information entered using a device at a user location, via an electronic communication channel, for pre-staging the financial transaction. The method includes receiving a pre-staged transaction receipt corresponding to the financial transaction from an intermediary entity implemented on at least one processor. The method also includes manually tendering a payment amount, the payment amount corresponding to the payment information and the pre-staged transaction receipt, at a retail location. The method also includes paying a payee the payment amount, the payee being specified in the payment information, based on matching a transaction request from the retail location with the pre-staged financial transaction.08-12-2010
20100205062Touchscreen Computer System, Software, and Method for Small Business Management and Payment Transactions, Including a Method, a Device, and System for Crediting and Refunding to and from Multiple Merchant Accounts in a Single Transaction and a Method, a Device, and System for Scheduling Appointments - A system includes a device and software with a touchscreen, cash drawer, bar code scanner, and other point-of-sale peripherals. The device processes payments according to a method and can process a payment from multiple payment sources to multiple credit-card merchant accounts. Likewise, the system processes returns according to a method from multiple-merchant accounts. A scheduler is included with an appointment builder and manager that are especially useful in a beauty salon environment and other schedule-intensive service businesses.08-12-2010
20100174613Customer Sessions with Ticket Association using Lottery Point-of-Sale Devices - The present invention provides a system and method that facilitates the tracking of customer sessions for lottery customers using a lottery-related point-of-sale (POS) device and/or printer control device (PCD). Rather than printing and cutting receipts in that order, the present invention handles multiple gaming-related transactions by first issuing a cut command and then a print command as part of a command sequence for the second and subsequent transactions. When the customer has completed his or her gaming-related transactions, a final cut command is issued, followed by appropriate payment processing and customer session termination.07-08-2010
20120221422METHOD AND SYSTEM FOR ACTIVATION AND FUNDING OF PREPAID CARD ACCOUNTS WITHIN A RESTRICTED AUTHORIZATION NETWORK - A method for activating and funding a stored value, prepaid card account includes acquiring, with a point of sale (POS) device, a first data set associated with the card and purchase thereof, and a second data set associated with the card and activation, deactivation, funding, loading, and reloading thereof. The method also includes transmitting a specific transaction trigger amount for card account activation and transmitting the second data set across a universal payment network to an authorization system associated with the second data set. The method further includes transmitting, from the authorization system, a transaction approval message to the POS including data relating to a funded value of the account, an electronic settlement message causing payment to the merchant for selling the card, an electronic message in the amount of the funded value of the account plus the specific transaction trigger amount, and an electronic message to debit the account.08-30-2012
20100049615MOBILE COMMERCE AUTHENTICATION AND AUTHORIZATION SYSTEM - The mobile commerce authentication and authorization system disclosed, illustrated, and claimed allows a user of a currently existing mobile wireless communications instrument to conduct financial transactions, including purchases, across a wireless communications system using location data to authorize and authenticate the user and the transaction. The location of the mobile wireless communications instrument and the location of a vendor point-of-sale device are matched with a payment sum. Authentication of the user of the mobile wireless communications instrument is achieved at least by application of the position and/or location determinable features of the mobile wireless communications instrument, the position and/or location of a point-of-sale device of a vendor or merchant where the instrument user seeks to purchase goods or services, and the payment sum entered on the point-of-sale device. A transaction matching subsystem located in a wireless customer server hub may assist in processing the location data and the payment sum amount across the wireless communications network.02-25-2010
20100274678SYSTEMS, METHODS AND DEVICES FOR FACILITATING MOBILE PAYMENTS - Mobile decoupled payments account systems and computer-implemented methods provide a decoupled mobile payments account and processing for payments made with a decoupled mobile payments account. A demand deposit account of an accountholder is associated with a decoupled mobile payments account that enables a mobile device to be used in making proximity or remote payments. Embodiments include mobile decoupled payments accounts based upon open or closed loop processing networks and mobile decoupled payments accounts that are ACH-direct accounts. An issuer of the mobile decoupled payments account authorizes or declines transactions and, for approved transactions, initiates an ACH transaction to obtain funds corresponding to an approved purchase transaction from the demand deposit account of the accountholder. Embodiments include person-to-person mobile payments and merchant-specific gifts and prioritized selection of accounts associated with a decoupled mobile payments account for processing a purchase transaction made with a mobile device.10-28-2010
20100010902Systems and Methods for Virtual Markets with Product Pickup - A system and method for virtual markets with product pickup generally comprised of a three-dimensional user supermarket interface, where a user places an order, and a retail/warehouse hybrid procurement center, comprised of a fulfillment warehouse and a pickup bay, where the order is generally fulfilled, packaged and picked-up by a user.01-14-2010
20090313129System and method for verifying user identity information in financial transactions - A system and method for verifying a user's identity during a point-of-sale transaction are provided. The system and method provide for applying for, receiving and verifying a financial services provider card; providing a plurality of requested biometric identification data to a financial services provider; uploading the plurality of biometric identification data of a user requested by the financial services provider via a network connected computing device to a preselected website; storing the plurality of biometric identification data in a remote server coupled to the preselected website; and using the plurality of requested biometric identification data to execute a point-of-sale transaction, wherein a merchant can verify the financial services card with the biometric identification data provided by the remote server or provided by the user via a point-of-sale terminal.12-17-2009
20120259718Systems and Methods for Providing a Transaction Card Package Assembly Including Sample Product or Service - A transaction card package assembly comprising at least one transaction card, at least one sample product, and a card holder, and methods and system for processing the same.10-11-2012
20120191556SYSTEMS AND METHODS FOR VIRTUAL MOBILE TRANSACTION - Disclosed is a computer based method including receiving a request, by a virtual mobile transaction computer, from a user device or from an application running on the user device. The user and the user device are verified and authenticated based on one or more parameters. A transaction account is determined, where the transaction account is associated with the user. A barcode is sent to the user device and the barcode is used to initiate a payment for a purchase transaction associated with the request.07-26-2012
20120259717PAYMENT PROCESSING SYSTEM INCLUDING MOBILE WIRELESS COMMUNICATIONS DEVICE TO SEND A PAYMENT CONFIRMATION TO A TRANSACTION TERMINAL AND ASSOCIATED METHODS - A payment processing system includes a transaction terminal having a merchant account associated therewith and including a first wireless device. The payment processing system also includes a payment server, and a mobile wireless communications device having a purchaser account associated therewith and including a second wireless device and a processor coupled thereto and configured to send transaction information to the payment server. The payment server is configured to cause a transfer of funds from the purchaser account to the merchant account based upon the transaction information, and to send payment confirmation to the mobile wireless communications device based upon the transfer of funds. The processor is configured to send the payment confirmation to the transaction terminal via the first and second wireless devices.10-11-2012
20090094126DUAL USE POINT OF SALE TERMINAL AND METHODS OF OPERATING SAME - A method of operating a point of sale (POS) terminal includes inputting into the POS terminal information for defining a transaction. The method further includes selecting between a first mode of operation of the POS terminal and a second mode of operation of the POS terminal. In the first mode of operation the POS terminal initiates a payment card authorization request to an acquirer financial institution. In the second mode of operation the POS terminal transmits transaction information to a customer's mobile device.04-09-2009
20110047038Smart Card For Safer Credit Transactions - A smart credit card device for allowing its owner to safely make credit transactions, which comprises a display screen; a memory for storing permanent data of the device and its owner and unique temporary dat regarding an impending specific transaction; a wireless transceiver for being in data communication with the credit company through a point o sale; input components for allowing the owner to input data essential fo performing the transactions; a processor for controlling the operation o the card device; and a power source such as a battery or a solar cell arra with a backup battery for supplying DC power to the card device.02-24-2011
20110131104Mobile Commerce Authentication And Authorization Systems - Mobile commerce authentication and authorization systems enable currently existing point-of-sale devices that are neither structurally nor systemically altered to conduct financial transactions with a customer using an access terminal across a wireless communications system. The point-of-sale devices receive an input from a payment instrument replacement, which identifies the transaction to the point-of-sale device as a transaction including an access terminal. Authentication of the user of the access terminal is achieved at least by application of position and/or location determinable features of the access terminal, the position and/or location of a point-of-sale device of a vendor or merchant where the customer seeks to purchase goods or services, and the payment sum entered on the point-of-sale device. A payment matching server may assist in processing the location data and the payment sum amount across communications network.06-02-2011
20110047036ALL-IN-ONE PROXIMITY PAYMENT DEVICE WITH LOCAL AUTHENTICATION - A personal powered proximity payment device that can be owned by or issued to an individual user is provided. The device is a non-ISO card device that includes an internal dual-mode (contact and contactless) chip card coupled to a display and a robust PIN entry or biometric reading means. The device provides proximity payment functions, and optional proximity payment on/off and local pre-purchase account holder verification functions to the individual user.02-24-2011
20120323712TRANSACTION PRODUCT WITH PUMP ASSEMBLY - A transaction product includes a substantially rigid housing, a pump assembly, and an account identifier. The substantially rigid housing defines a substantially liquid-tight reservoir, an outflow aperture, and an external surface. The substantially liquid-tight reservoir is configured to maintain a liquid therein. The pump assembly is enclosed within the substantially rigid housing and is in communication with the substantially liquid-tight reservoir and the outflow aperture. The pump assembly is configured to move liquid from the substantially liquid-tight reservoir, through the pump assembly, and out the outflow aperture and into an external environment surrounding the substantially rigid housing. The account identifier is statically connected to the external surface of the substantially rigid housing and links the substantially rigid housing to at least one of an account and a record and is machine readable by a point-of-sale terminal.12-20-2012
20120323710METHOD AND SYSTEM FOR STORING AND USING IDENTIFYING ACCOUNT INFORMATION ON AN ELECTRONIC DEVICE - A method and system for creating an account and storing account information on an electronic device, such as a smart phone or tablet for use in conducting financial and other transactions. Account numbers for credit cards, debit cards, membership cards, gift cards and so forth may be displayed on a screen of the electronic device as a one-dimensional or two dimensional bar code that is then scanned by a merchant to conduct a financial transaction in the case of a purchase or to identify an individual as a member of a rewards club or other club.12-20-2012
20120323711VIRTUAL HYBRID PRINTER SYSTEM - A virtual hybrid printer that provides the capabilities and function of a physical hybrid printer with fewer physical devices. The virtual hybrid printer employs virtual controls for additional devices so that applications can directly employ the virtual hybrid printer in a manner that simulates all desired hybrid printer capabilities without the need for all physical devices corresponding to those capabilities.12-20-2012
20110238512Method and Apparatus for Showroom Sales - A method and system is provided for making store sales at a location remote from a sales counter in the store. A mobile computer device is used as a point-of-sale device to scan a product bar code identifier, to display product information associated with the product identifier, to input a quantity of items to be purchased by a customer and to select a payment type for purchasing the items. The device can communicate wirelessly with a database of product, inventory, sales and customer information and can automatically select the type of wireless connection to use. The device includes a card reader to read information from a payment card and a PIN entry pad for entering a PIN when the payment card has a debit capability. The device includes a PIN pad test program to determine whether the PIN entry pad is defective.09-29-2011
20120278189DIGITAL CURRENCY CARD SALE, REDEMPTION AND ACTIVATION SYSTEM AND METHOD - A system and method that facilitates an activation/redemption process for a digital currency card (DCC), e-PINs and bulk PIN activations/redemptions are disclosed. In the method, a sale process, an online user action with a PIN process and the simultaneous activation and redemption process occur. During this process the DCC is simultaneously activated and redeemed and the customer receives the face-value of the DCC for the stated virtual goods or currency from that redeeming company.11-01-2012
20120278188CARRYING OUT AN ALTERNATIVE PAYMENT VIA A USER EQUIPMENT OVER A WIRELESS NETWORK AT A POINT OF SALE WITHOUT ALTERING THE POINT OF SALE - A system for carrying out an alternative payment via user equipment (UE) over a wireless network at a point of sale (POS) without altering the POS is provided herein. The system includes a third party server and a plurality of preregistered UEs. Each UE is configured to: receive a visual identifier associated with a magnetic card at the POS and transmit to the server a unique identifier of the POS/card and the unique identifier of the customer. The server is configured to: obtain financial details regarding the primary transaction generated by the POS, receive the unique identifier of the POS and the unique identifier of the customer from the UE, approve the primary transaction if financial settlement means associated with the customer are sufficient, and establish a secondary financial transaction between the customer and the third party, for settling the debt of the customer to the third party.11-01-2012
20110276420CASH CARD SYSTEM - A method includes entering transaction data into a point of sale (POS) terminal. The POS terminal is operable with a number of payment applications. An integrated circuit (IC) card is interfaced to the POS terminal. The IC card stores data objects that correspond to the payment applications in the POS terminal. The POS terminal retrieves the data objects from the IC card and selects a payment application to be used for the transaction based on the data objects indicated as present in the IC card and/or based on the information related to the transaction.11-10-2011
20120330764Point of Sale System for Transaction Payment Delegation - Methods and systems are disclosed herein to provide payment delegation for transactions. A payment request may be transmitted to a point of sale system from a mobile device. The mobile device owner may request that payment details for the transaction be obtained from a third-party device, such as a parent's computer. The point of sale system may transmit an approval request to the third-party device, or the mobile device may transmit an approval request to the third-party device. Upon receipt of payment details, the payment details may be communicated, and the transaction may be completed.12-27-2012
20110288944Method for Paying Invoices - For an organization having a central station and a plurality of distributed outlets, each of the outlets having a cashier's terminal, each of the cashier's terminals coupled to a respective point-of-sale (POS) controller, a method permitting a billee to pay an invoice issued by a biller is disclosed.11-24-2011
20110320295RADIO FREQUENCY IDENTIFICATION (RFID) PAYMENT TERMINAL WITH DISPLAY-EMBEDDED RFID ANTENNA - The subject matter described herein includes an RFID payment terminal with a display-embedded antenna. According to one aspect, an RFID payment terminal with a display-embedded antenna includes a display for graphically displaying payment information to a user. An RFID antenna is embedded in a portion of the display used for displaying the payment information to a user and for communicating with an RFID device of the user to receive transaction information form the RFID device. An RFID payment module is coupled to the antenna for receiving the transaction information and for effecting the payment transaction.12-29-2011
20110320294ACTIVE BUDGET CONTROL - A system and method that assists a customer with budgeting includes receiving, at a processor, customer input indicating the customer's desire to create one or more budgeting accounts each defined to correspond with one or more items included in a customer spending budget. The method also includes receiving, at a processor, customer input regarding one or more rules corresponding to the one or more budgeting accounts. The rules, in various embodiments, include one or more funding rules configured to provide parameters for dictating credits for one or more budgeting accounts and/or one or more withdrawal rules configured to provide parameters for dictating debits for one or more budgeting accounts. The method also includes creating, using a processor, one or more budgeting accounts based at least in part on the received customer input. In some embodiments, a processing device applies the rules during a transaction and updates the one or more budgeting accounts.12-29-2011
20120101909System and Method for Issuing Negotiable Instruments by Licensed Money Transmitter from Direct Deposits - Embodiments relate to a cash card and associated systems and processes. An account structure is provided that allows a non-bank entity to indirectly provide direct deposit capabilities for funds representing pre-payments for negotiable instruments. When a direct deposit of funds into a first account associated with the individual and maintained by a first entity is detected, the total amount of the funds is transferred into a second account associated with the individual and maintained by a second entity. The first entity is a bank or other financial institution subject to federal banking regulations, while the second entity is not subject to federal banking regulations. The individual may withdraw the funds from the second account by requesting the issuance of negotiable instruments. Negotiable instruments may be issued in any dollar amount not exceeding the balance of the second account. A properly enrolled customer may make subsequent deposits into the second account.04-26-2012
20120290420Secure Payment Terminal - Exemplary embodiments include a payment terminal, with corresponding methods, and computer-readable media, which includes a first interface and a second interface. The first interface receives transaction information from an existing interface of a sales device without modification to the sales device. The first interface also transmits first authorization information to the existing interface without requiring modification to the sales device, thereby enabling the sales device to monitor and authorize a transaction associated with the sales device. The second interface transmits authorization request information associated with the transaction to a payment authorization system. The authorization request information represents the payment information. The second interface receives authorization response information associated with the transaction from the payment authorization system. The first authorization information is based on the authorization response information, and the first authorization information does not include the payment information.11-15-2012
20080313047Payment clearing network for electronic financial transactions and related personal financial transaction device - Described herein are networks and related devices and methods for facilitating the electronic transfer of funds and electronic purchases between consumers, merchants, and other parties. Also facilitated by the principles described herein is the electronic transfer of funds or payments between individuals. The disclosed principles provide for the funds of a user's account to never leave his original financial account until the financial transaction takes place. Thus, no special accounts within the payment system are required to be opened, maintained, or funded by a user. Instead, funds are simply transferred to or from a user's associated financial account by the financial institution maintaining that account and in accordance with instructions from the network. Thus, the present disclosure provides for fund transfers and purchases between parties in a secure, efficient, and the user-friendly manner. The disclosed principles provide for such transactions using, in some embodiments, portable devices, which may be dedicated devices associated with the disclosed network, or available consumer devices configured to operate with the network.12-18-2008
20100131375MONEY TRANSFER PAYMENTS FOR MOBILE WIRELESS DEVICE PREPAID SERVICES - Systems and methods for facilitating money transfer payments for mobile wireless device prepaid services include receiving, from a vendor location, a money transfer payment for mobile wireless device prepaid services fulfillment request including a mobile wireless device phone number and a corresponding payment amount. A destination wireless service provider that serves the mobile wireless device is identified based on the phone number, and the payment for mobile wireless device prepaid services request or a formatted version thereof is delivered to the destination wireless service provider. A fulfillment confirmation or denial associated with the payment for mobile wireless device prepaid services fulfillment request is thereafter received, and when a fulfillment confirmation is received, payment is provided to the destination wireless service provider.05-27-2010
20130018739Systems and Methods for Providing a Transaction Card Package Assembly Including Sample Product or Service - A transaction card package assembly comprising at least one transaction card, at least one sample product, and a card holder, and methods and system for processing the same.01-17-2013
20090119181POINT OF SALE TRANSACTION PROCESSING - A disclosed transaction processing method includes transmitting a request to a credit aggregator in response to a message from a point of sale device to a wireless communication device of a user. Responsive to receiving credit account information from the credit aggregator, a user interface indicative of at least some of the credit account information including account identification information for a plurality of user credit accounts is displayed. Responsive to detecting a user selecting one of the plurality of credit accounts, credit account information is transmitted to the point of sale device. The request may include information identifying the user. The message from the point of sale device may indicate a price associated with the transaction. The credit account information may include available credit information, current balance information, closing date information, payment date information, annual percentage rate information, and so forth.05-07-2009
20110161188MOBILE WIRELESS FINANCIAL INSTRUMENT FOR AUTOMATICALLY SELECTING A PAYMENT INSTRUMENT - The specification and drawing figures describe and illustrate a point-of-sale payment system. The point-of-sale payment system includes a mobile wireless communications instrument having at least one data processor. The data processor is capable of automatically selecting a payment instrument for transmitting a payment sum across a mobile wireless communications network and, if necessary, a credit network. The point-of-sale payment system may also include a data transmission subsystem for receipt, storage, processing, and transmittal of data across the wireless communications network and/or the data transmission subsystem.06-30-2011
20110161187TRANSACTION PRODUCT WITH LENS - A transaction product includes a substantially planar panel defining an aperture, a lens extending across the aperture, one or more auxiliary items, a foldable sheet, and an account identifier. The foldable sheet supports each of the one or more auxiliary items and is folded and positioned relative to the substantially planar panel such that at least one of the one or more auxiliary items is readily viewable through the lens. The account identifier is coupled with the substantially planar panel and links the transaction product to an account or record configured to track a financial value available for use toward a purchase price of one or more of goods and services. Other products, combinations, and associated methods are also disclosed.06-30-2011
20130024305Real-Time Card Balance on Card Plastic - A system, method and prepaid payment card configured to display a current card balance on the prepaid payment card. The prepaid payment card receives a balance request from a button on the card. After retrieving the current card balance encoded on the prepaid payment card, the card displays the current card balance. Remote terminals may be configured to support the real-time display of a balance on a prepaid payment card by writing the current balance to the card after a payment transaction has occurred.01-24-2013
20110246317SYSTEM AND DEVICE FOR FACILITATING A TRANSACTION THROUGH USE OF A PROXY ACCOUNT CODE - The present invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. Specifically, the device is configured to meet the physical and electrical specification for commercially available mobile devices utilizing a standard Subscriber Identity Module (SIM) for network access. The device combines the features of the SIM with Common Access Card or Personal Identity Verification card features to allow a network subscriber to invoke secure payment transactions over a carrier's network. The system includes data storage for maintaining a plurality of network and transaction instrument profiles and a profile gateway for receiving transaction information from a payment gateway, sending an authorization request to a user's mobile device, receiving a transaction authorization from the mobile device, and sending transaction information to a payment gateway to finalize the payment transaction.10-06-2011
20110246316Transaction Pre-Processing with Mobile Device - A system and method of pre-processing a transaction using a mobile device are presented. The system and method may include beginning a transaction at a mobile device. Beginning the transaction may include receiving transaction information at the mobile device. The transaction information may include a transaction identifier, type of transaction, method of payment, etc. In some examples, the transaction information may be stored at the mobile device. A network associated with a merchant or ATM associated with a financial institution may be detected at the mobile device. The mobile device may connect to the detected network and the transaction may be completed.10-06-2011
20130179280SYSTEM FOR ACTIVATION OF MULTIPLE CARDS - According to one embodiment of the invention, a system is provided for activating a plurality of cards. A first card number and a total number of cards can be provided to an activation system to process the activation of the plurality of cards.07-11-2013
20130173405BANK CARD AND RESPONSE PROCESS TO A TRANSACTION REQUEST - The invention relates to a bank card (07-04-2013
20130138519Point of Sale Activation and Reload System - The present invention relates generally to the use of point of sale transactions at point-of-sale terminals (POST) enabling users to simultaneously activate and assign a monetary value to a voucher card system using standard debit card transaction networks.05-30-2013
20120253956PRESENTATION INSTRUMENT DISPLAY AND ACTIVATION SYSTEMS AND METHODS - A method of validating and activating a purchase card includes providing a purchase card that is removably attached to a card carrier. The purchase card has an account identifier associated therewith and has a card indicium affixed thereto. The purchase card includes a machine-readable information encoding region into which the account identifier is encoded. The card carrier has a carrier indicium affixed thereto. The method includes populating a database with a stored card indicium that relates to the card indicium, a stored carrier indicium that relates to the carrier indicium, and a stored account identifier that relates to the account identifier, thereby uniquely coupling the account identifier to the card indicium. Activating the card by associating value to it includes comparing the information from the card indicium and the information from the carrier indicium with the stored card indicium and the stored carrier indicium.10-04-2012
20080215449SYSTEMS, METHODS, AND DEVICES FOR SELLING TRANSACTION INSTRUMENTS VIA WEB-BASED TOOL - The present invention generally relates to a system and method for distributing a transaction instrument. The system includes the steps of: offering for sale, in a retail environment, the transaction instrument; selling a selected transaction instrument; communicating with the issuer of the transaction instrument via an internet accessible web site, and enabling the use of the transaction instrument. The transaction instrument may be, for example, an open pre-paid card. The distribution of the transaction instrument may also include the step of sending a message, through the web site, in substantially real time, causing the pre-paid transaction instrument to be funded but not activated until later through an interactive voice response system, for example. In another example, an associated transaction account may be funded and activated at the time of distribution. Furthermore, an issuer system may be suitably configured to leverage existing Travelers Cheque infrastructure for inventory and related processes.09-04-2008
20080215448SYSTEMS, METHODS, AND DEVICES FOR SELLING TRANSACTION INSTRUMENTS VIA WEB-BASED TOOL - The present invention generally relates to a system and method for distributing a transaction instrument. The system includes the steps of: offering for sale, in a retail environment, the transaction instrument; selling a selected transaction instrument; communicating with the issuer of the transaction instrument via an internet accessible web site, and enabling the use of the transaction instrument. The transaction instrument may be, for example, an open pre-paid card. The distribution of the transaction instrument may also include the step of sending a message, through the web site, in substantially real time, causing the pre-paid transaction instrument to be funded but not activated until later through an interactive voice response system, for example. In another example, an associated transaction account may be funded and activated at the time of distribution. Furthermore, an issuer system may be suitably configured to leverage existing Travelers Cheque infrastructure for inventory and related processes.09-04-2008
20130097033SYSTEM AND METHOD FOR PROMOTING USE OF REUSABLE SHOPPING BAGS - A computer-based method for receiving purchase transaction data generated by a retailer system triggered by an identification device that is part of one or more reusable bags used by a user to carry goods purchased during the purchase transaction. The user is a student or student family member affiliated with a school or other community-based group. A reuse program server receives identification information provided by the identification device that signals the purchase transaction, updates reuse indicator information for the school; calculates a current savings to the school associated with the use of the reusable carrier; and transmits information indicating the current savings to a display device accessible to the user or to representatives of the school.04-18-2013
20130097035TRANSACTION APPARATUS, SYSTEMS AND METHODS - Aspects and embodiments of the present invention relate to alternative kinds of transactions, which do not involve payment using only cash or a token device such as a smart card or chip and PIN card. In some embodiments, transactions involve a customer providing token-less transaction authentication information using customer interface means (04-18-2013
20130097034Systems and Methods for Facilitating Point of Sale Transactions - In yet another embodiment, a computer-implemented method can be provided. The method can include storing, in at least one memory associated with a mobile device, payment information. The method can further include generating, utilizing the payment information, a displayable image. Furthermore, the method can include directing output of the image by a display associated with the mobile device, wherein the image is scanned by a reader device at a point of sale in order to complete a point of sale transaction.04-18-2013
20130103511ONLINE SHOPPING USING NFC AND A POINT-OF-SALE TERMINAL - A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.04-25-2013
20130103510SYSTEM AND METHOD OF GATHERING AND DISSEMINATING DATA ABOUT PROP, WARDROBE AND SET DRESSING ITEMS USED IN THE CREATION OF MOTION PICTURE CONTENT - A system and method of gathering data about the wardrobe and properties items purchased for use in the production of motion picture content which data can then be disseminated to viewers/consumers along with the motion picture content for marketing, promotional and commercial purposes. Purchase transaction data and production information is collected during the purchase transactions of props, set dressing items and wardrobe by authorized key purchasing production personnel during production of motion picture content using an assigned purchase card such as a credit card, debit card or petty cash card. Product information so gathered is then linked to the specific motion picture content being produced using the specific purchase card account numbers. The product information associated with the motion picture content is then disseminated to the viewing public via a website on the internet. Interested viewers are thereby able to identify and purchase similar items.04-25-2013
20130124348PLUG-IN BASED CHIP CARD PAYMENTS - A chip card payment processor interface component exposes a plurality of different interfaces for a plurality of different chip card payment processors. A chip card peripheral device interface component exposes a plurality of different chip card peripheral device interfaces for a plurality of different chip card peripheral devices. A payment services component can thus interact with the plurality of different chip card peripheral devices in conducting a transaction, and can also interact with a plurality of different chip card payment processors to authenticate and validate the transaction.05-16-2013
20130144731Point of Sale for Mobile Transactions - Devices, systems, and methods are disclosed which relate to using a remote scanner for mobile transactions. A point of sale (POS) terminal communicates with a remote scanner that is removably coupled to the POS terminal. Logic on the POS terminal generates a request for a transaction information and transmits the request along with a restriction to the remote scanner. Logic on the remote scanner receives the request and the restriction, transmits the request to a mobile device, receives the transaction information while monitoring the restriction, and transmits the transaction information to the POS terminal for processing. The transaction information may be provided subject to the restriction.06-06-2013
20110218871Portable Account Number for Consumer Payment Account - A system, apparatus, and method for providing and using a payment account or payment device identifier when conducting a transaction. The bank identification number (BIN) is decoupled from the primary account number (PAN) or other form of device identifier when generating the payment account or payment device identifier. The payment account or payment device identifier is used to access information regarding the issuer, with that information being used to route a transaction authorization request message to the appropriate entity.09-08-2011
20100010901POINT-OF-SALE TRANSACTION MANAGEMENT - A point-of-sale system comprises a webserver that receives lists of products and services offered at retail points of sale, and that can sort them into items that are qualified, conditionally qualified, and non-qualified to be purchased by a cardholder using a flexible spending account payment card. The qualified items are permissible to be purchased by all cardholders, but purchases of conditionally qualified items are only permissible when the cardholder has registered a particular qualifying characteristic. For example, a health condition for which a doctor has prescribed the retail item for purchase. The demographics of the cardholders are available for affinity programs, promotional offers, discounts, and rebates. Such are proffered at the point of sale during transaction authorization to be considered by the cardholder or to be automatically exercised. Purchases in excess of the funds then available in the cardholders' flexible spending accounts can be deducted from other registered accounts or payrolls.01-14-2010
20080262935METHODS AND SYSTEMS FOR COORDINATING A CHANGE IN STATUS OF STORED-VALUE CARDS - Methods and systems are provided for coordinating a change in status of a stored-value card for a customer. Transaction information is received at a host system from a point-of-sale terminal. The transaction information includes stored-value-card information identifying the stored-value card and payment-instrument information identifying a payment instrument to be used for financing the change in status of the stored-value card. The host system receives a payment authorization from a payment authority in response to a transmission of the payment-instrument information to the payment authority. The host system also receives a confirmation of the change in status of the stored-value card from a stored-value-card authority in response to a transmission of the stored-value-card information to the stored-value-card authority. The host system transmits an approval for effecting the change in status of the stored-value card to the point-of-sale terminal.10-23-2008
20110238511FUEL DISPENSER PAYMENT SYSTEM AND METHOD - A system and method for effecting payment transactions comprising a card reader configured to encrypt a first portion of payment card data received by the card reader from a payment card according to a first encryption scheme associated with the financial institution responsible for an account associated with the payment card and to encrypt a second portion of the payment card data according to a second encryption scheme, where the first portion is sufficient to identify the payment card or account number and to effect a payment transaction involving the payment card or account and where the second portion is sufficient to identify the financial institution but insufficient to identify the payment card or account number.09-29-2011
20130204721COMPUTERIZED WIRELESS PAYMENT METHODS - Methods useful for conducting payment transactions wirelessly, such as at point-of-sale locations. In one embodiment, the mobile user apparatus is a cellular-enabled mobile device that includes a short-range passive radio frequency transceiver that when interrogated by a reader at the point-of-sale, issues a reply including information relating to an account of the user of the mobile apparatus that is to be charged for the payment. In one variant, the mobile user apparatus is further configured to instantiate a user interface window on its display such as for e.g., entry of a password.08-08-2013
20130204722Credit Card Security System and Method - A transaction method, system and apparatus of the present invention employs two electromagnetically read cards. A first card is employed for accessing account data of a corresponding account. A second card effectively carries identity data of the owner/account holder of the first card. During a transaction, the two cards must be used sufficiently in tandem or in proper series order, in order for the card processing center to authorize the subject transaction. In particular, use of the first card accesses a corresponding account to determine if the account is active versus in a halted state (e.g., due to a reported stolen or lost card). Use of the second card spaced apart (in time and/or in distance) from the first card then verifies identity of the user as an authorized person to be accessing the corresponding account and hence authorized user of the first card. As such the second card verifies, validates, authenticates or otherwise confirms identity of the first card owner (also referred to as the corresponding account owner) and serves as an identity data member.08-08-2013
20130151359AUTHENTICATION SYSTEM - An authentication system is provided that authenticates a member using the member's mobile terminal. The authentication system includes a mobile terminal, a shop computer, and a head office server. The head office server includes an authentication unit. The authentication unit compares member identification information read by the shop computer with member identification information stored in a member database. Additionally, the authentication unit compares a one-time password (OTP) password with the OTP of the mobile terminal generated by the server-side OTP generation unit and received from the shop computer. The authentication unit authenticates a member based on the results of the comparison. That is, the authentication unit authenticates a member as a valid member if the former member identification information and OTP match the latter member identification information and OTP.06-13-2013
20120284131MOBILE COMMERCE SYSTEM - A mobile commerce system including a multiplicity of Mobile Device—Point of Sale Communication (MPC)-equipped mobile devices, a plurality of MPC-enabled Point-of-Sale (POS) devices, at least one POS configuration server for configuring the plurality of MPC-enabled POS devices, at least one MPC-equipped mobile device configuration server for configuring the plurality of MPC-equipped mobile devices and at least one mobile marketing platform server operative to introduce Transaction Value Certificate (TVC)-related functions and to communicate both with the at least one POS configuration server and the at least one MPC-equipped mobile device configuration server to coordinate operation thereof so that the MPC-enabled POS devices will be “tap-ready” for carrying out the TVC-related functions.11-08-2012
20110313873Form Factor Identification - A payment device, method, and apparatus configured to determine the form factor of the payment device used in a financial transaction, without requiring a different primary account number for each payment device form factor.12-22-2011
20130191231PORTABLE COMPUTERIZED WIRELESS PAYMENT APPARATUS AND METHODS - A mobile user apparatus and associated methods useful for conducting payment transactions wirelessly, such as at point-of-sale locations. In one embodiment, the mobile user apparatus is a cellular-enabled mobile device that includes a short-range passive radio frequency transceiver that when interrogated by a reader at the point-of-sale, issues a reply including information relating to an account of the user of the mobile apparatus that is to be charged for the payment. In one variant, the information stored on the mobile device is further configured to receive transaction data wirelessly in return07-25-2013
20130198019METHODS AND SYSTEMS EMPLOYING TIME AND/OR LOCATION DATA FOR USE IN TRANSACTIONS - A method includes obtaining data from a portable electronic device in which the data regards information obtained using the portable electronic regarding the transaction, and information obtained using the portable electronic regarding at least one of a physical location of the portable electronic device when obtaining the information regarding the transaction and the time of the day when obtaining the information regarding the transaction, and processing the transaction based on the data regarding the information regarding the transaction and the at least one of the information regarding the physical location of the portable electronic device when obtaining the information regarding the transaction and the time of the day when obtaining the information regarding the transaction. The method may be employed in a point-of-sale transaction for the purchase of products at checkout.08-01-2013
20130204723System 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.08-08-2013
20120095857Systems and methods for financial transaction through miniaturized card reader with confirmation of payment sent to buyer - A system is provided that includes a transaction engine running on a mobile device. In response to a financial transaction between a buyer and a seller, the transaction uses the mobile device to accept information selected including but not limited to information from financial transaction or information pertaining to financial transaction card used by the buyer in the transaction. At least a portion of this information is communicated with a third party financial institution or payment network to authorize the transaction. The buyer receives confirmation of the payment.04-19-2012
20120095856USING A MOBILE DEVICE TO MAKE A TRANSACTION - An exemplary method enables a user of a mobile device to make purchases. From the mobile device, the user sends a messaging service short code identifying a retailer, an item identifier for an item offered for sale by a retailer and information indicating the user's intent to purchase the item to the retailer via a mobile network. The method also includes steps of receiving cost information for the item, from the system of the retailer; determining if the user has authorized transactions with the retailer through the network, and confirming the purchase of the item with the system of the retailer. Upon authorization, the cost information for the item is recorded to the subscriber's account, which enables processing of the cost information for inclusion on a bill to the user together with billing for mobile communication service provided by the network for the mobile device.04-19-2012
20130211937USING CREDIT CARD/BANK RAILS TO ACCESS A USER'S ACCOUNT AT A POS - A payment provider card can be used on any credit card or bank network in order to access the user's payment provider account at the POS of non-payment provider integrated merchants. The consumer may swipe or have the card read through NFC or other means, at the POS, where the information contained in the card is communicated to the payment provider through a credit card or bank card network or rails that is already part of the merchant payment network.08-15-2013
20130211936APPARATUS AND METHOD FOR STORING ELECTRONIC RECEIPTS ON A UNIFIED CARD OR SMARTPHONE - A receipt system allows customers to store receipts on a Unified Card or smartphone when making purchases from different retailer merchants. The customer purchases goods or services and the receipt is recorded electronically onto a single Unified Card or smartphone. This eliminates the need for paper receipts. The user can then use the Unified Card or smartphone to make returns or exchanges or as proof of purchase. Unified Card readers can be located at Kiosks as part of a home based system that works with the user's home computer.08-15-2013

Patent applications in class Having interface for record bearing medium or carrier for electronic funds transfer or payment credit