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Interconnection or interaction of plural electronic cash registers (ECRs) or to host computer (e.g., network detail, transfer of information from host to ECR or from ECR to ECR, etc.)

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
20130211938RETAIL KIOSKS WITH MULTI-MODAL INTERACTIVE SURFACE - A multi-modal interactive surface is connected to a retail management system in a retail store. A user interface component provides user interface displays that allow a user to research products in the retail store and complete a sales transaction.08-15-2013
20100082445Smart menu options - Systems and methods are provided that allow for a portable electronic device to provide smart menus to a user based on a context of a transaction. Specifically, the method of using a portable electronic device may include opening a near field communication (NFC) channel with a point-of-purchase device and providing a smart menu based on a determined context. The portable electronic device may be configured to determine the context based at least in part upon acquiring sales transaction information for the point-of-purchase device. Additionally, the portable electronic device may be configured to determine the context based at least in part upon acquiring vendor identification information.04-01-2010
20110202417INTEGRATED SYSTEM AND METHOD FOR ENABLING MOBILE COMMERCE TRANSACTIONS USING ACTIVE POSTERS AND CONTACTLESS IDENTITY MODULES - A method, integrated system and Active Poster for processing mobile touch transactions. The integration consists of an RFID or other near field communication enabled device which may be standalone, affixed to, or part of a mobile or hand held portable wireless communication device (optionally using a Contact Less (CL) SIM with near field communication capability), a touch sensitive Active Poster also with near field communication capability, an issuer's or mobile network provider's system and application and a host computer with networking capability.08-18-2011
20130085877INTERMEDIARY-BASED TRANSACTION SYSTEM - An intermediary-based, computer-implemented transaction-system for conducting transactions between entities connected via a social graph of a virtual social network is disclosed. The system includes at least one virtual social network platform storing social graphs connecting virtual entities, the virtual social network providing at least one virtual communication channel allowing the virtual entities to communicate with each other, at least one social graph includes a connection between at least one individual and at least one business partner. A transaction provider is configured to read-out the social graph and register the connection, and one or more mobile devices are configured to execute a transaction application provided by the transaction provider. The transaction application uses the registered connection to enable an individual to create a transaction with the business partner. A notification indicating the transaction is generated and transmitted to the business partner by triggering the at least one virtual communication channel.04-04-2013
20130080275Transaction device and processing system - According to some embodiments, a transaction device for performing a transaction between a customer and a merchant comprises a transaction module and a point of sale interface. The transaction module is operable to identify a first account and obtain an obfuscated account number, the obfuscated account number being a temporary-use number associated with a permanent account number of the first account. The point of sale interface is operable to transmit a transaction request to a point of sale receiver associated with the merchant, the transaction request comprising the obfuscated account number.03-28-2013
20130036019Transaction Processing Platform for Facilitating Electronic Distribution of Plural Prepaid Services - A transaction processing platform capable of facilitating the distribution to consumers of various types of prepaid products is disclosed. The transaction processing platform is configured to interface with one or more providers of such prepaid products in order to facilitate the procurement or activation of the products. The platform includes a conduit interface through which service request messages are received and respectively utilized to generate transaction requests for corresponding types of prepaid services. A supply interface arrangement, operatively coupled to the conduit interface, is configured to route a first of the transaction requests through a first supply interface associated with a first type of prepaid service. The supply interface arrangement also routes a second transaction request through a second supply interface associated with a second type of prepaid service. The platform is also configured to provide supplier response information received through the supply interfaces to the conduit interface.02-07-2013
20130080276SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS PROVIDING ELECTRONIC COMMUNICATION DURING TRANSACTIONS - An electronic device includes one or more processors configured to execute the instructions to: during a first communication session, sending first information regarding a transaction to a user device that is participating in the first transaction, interrupting the first communication session, pausing for a time to allow the user device to process the first information and to generate second information in furtherance of the transaction, establishing a second communication session with the user device, receiving the second information from the user device during the second communication session, and further processing the transaction using the second information.03-28-2013
20090171800SYSTEMS AND METHODS FOR GENERATING RECEIPTS - Systems and methods for electronically processing accounts receivable (AR) check transactions via a location-base device associated with a merchant. The location-base device, such as a point-of-sale (POS) device, can be configured to perform various functions that facilitate processing of AR checks. Such functions may include improved user interface, an ability to handle a repetitive input parameter, an ability to handle multiple merchant identifiers, an ability to generate multiple receipt types, an ability to edit check transactions, an ability to manage throughput of the device, and an ability to allow scanning of different types of checks so as to allow subsequent processing of the scanned checks to be different based on the type of the check. The location-base device configured in one or more of the foregoing manner facilitates a check authorization process performed by a check processing service.07-02-2009
20100042506SYSTEM AND METHOD OF PROVIDING DIGITAL MEDIA MANAGEMENT IN A QUICK SERVICE RESTAURANT ENVIRONMENT - Embodiments disclosed herein are directed to systems and methods for managing digital media content within a quick service restaurant environment to provide a consistent visual experience and accurate, timely data across various digital media displays to QSR customers. In some embodiments, a digital media management appliance (“DMMA”) is used to manage the distribution of digital media data which is used to drive various display devices present in the QSR environment. The DMMA may be configured to extract data from a point of sale (“POS”) system and/or other data sources within the QSR environment in order to generate display data for the digital media devices in the store.02-18-2010
20090157520SYSTEM AND METHODS FOR DISCLOSING TRANSACTION INFORMATION TO CUSTOMERS - A method of disclosing transaction information to customers includes receiving at a host computer system a file comprising processing information. The processing information comprises a plurality of transaction categories and fee information associated with each transaction category. The method also includes receiving a message from a point-of-sale device requesting the fee information associated with at least one particular transaction category relating to a transaction with a customer and sending from the host computer system an electronic message comprising the fee information. The method further comprises displaying transaction information relating to the electronic message at the point-of-sale device and providing the customer the opportunity to cancel the transaction. The transaction may involve an exchange between at least two different forms of value.06-18-2009
20100106609INVENTORY ANALYSIS AND MERCHANDISING SYSTEM AND METHOD - An analysis system for providing remote updated inventory management and merchandising data to a retailer. The analysis system includes a network module and a communication module configured to provide wireless communication over a network. The system also includes a translation module configured to translate data to a desired format. The translation module is in communication with a point-of-sale device of a retailer, wherein the translation module receives data directly from the point-of-sale device of the retailer. The analysis system also includes a data storage module configured to store data in a desired format. The system further includes a report generation module configured to generate dynamic reports therefrom. The analysis system includes a report interaction module configured to facilitate dynamic modification of reports. The system includes a data modification module configured to alter data stored in the data storage module.04-29-2010
20130041770PERSISTENT NETWORK-BASED ELECTRONIC TRANSACTION SERVICES - A system configured to receive a request to perform an electronic transaction associated with merchant equipment, where the request identifies one or more value-added services that are to be provided when the transaction is performed; retrieve workflow information, associated with a workflow that corresponds to the transaction, where the workflow information identifies how the transaction is to be performed and how the value-added services are to be provided; obtain information associated with one or more second server devices that provide the value-added services; instruct the second server devices to provide the value-added services, in a manner that conforms to the workflow information, based on the information associated with the one or more second server devices; perform the transaction in a manner that conforms to the workflow information; and transmit, to the merchant equipment, a notification that the transaction has been performed or that the value-added services have been provided.02-14-2013
20130073407METHOD, REVERSE VENDING MACHINE, DATA PROCESSING UNIT AND COMPUTER PROGRAMME PRODUCT FOR INITIATING A DATA TRANSACTION IN RELATION TO A SELF-SERVICE PURCHASE - A method, a reverse vending machine, a data processing unit and a computer programme product for initiating a data transaction in relation to a self-service purchase, including the splitting of or the making of a supplementary payment to a deposit credit. A first data is generated, which is representative of a first value corresponding to a deposit credit of an amount of packaging items of a user. A purchase transaction is initiated on the basis of a second data, which second data represents a second value of the purchase in question. A third data is generated if the second value is smaller than the first value, and a pay-out transaction is initiated in the form of a credit to be paid out to the user or a further purchase transaction. A fourth data is generated and a supplementary payment is started.03-21-2013
20130073406PORTABLE COMPUTERIZED WIRELESS INFORMATION APPARATUS AND METHODS - A mobile user apparatus and associated methods useful for transferring information wirelessly, such as for instance at points of departure or point-of-sale locations. In one embodiment, the mobile user apparatus is a cellular-enabled mobile device with a GPS receiver and a short-range radio frequency device that enables transfer of information to the device from a wireless-enabled entity such as a kiosk.03-21-2013
20090094128Multi-device supervisor support for self-checkout systems - A customer self-checkout system includes one or more checkout stations and multiple supervisor terminals. The supervisor terminals provide support to, and control over, the self- checkout system and checkout stations. A controller is used to coordinate communications among the checkout stations and supervisor terminals over a wired and/or wireless network interfaces. A user may provide input at supervisory terminal using an interface providing context sensitive prompting to enable control using a simple keyboard interface.04-09-2009
20110231272Retail mobile point-of-sale (POS) software application and retail middleware software application - A portable electronic device includes a memory and processor. The memory stores instructions, which are part of a retail mobile software purchase software application. The instructions, which when executed by the processor cause the portable electronic device to first transmit a search request for an item. The device receives item information including item description and item price and also receives a selection to purchase the item from a purchaser. The retail mobile software creates an order including the selected item and adds other selected items to the order. The retail mobile software application displays payment options for the order and receives a payment option selection for the order including the selected item. The retail mobile software application receives payment confirmation for the order including the selected item and displays receipt options for the order including the selected item. The retail mobile software application receives a selection of a receipt option and generates an electronic receipt for the order.09-22-2011
20090271278SYSTEMS AND METHODS FOR ROUTING A TRANSACTION REQUEST TO A PAYMENT SYSTEM VIA A TRANSACTION DEVICE - Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be configured to use predetermined rules, a multitude of data items and/or conditions to locate a payment system, and transmit a payment authorization request from a remote location to at least one payment system, either directly, or via a payment system directory and/or a SSL Gateway.10-29-2009
20090271277SYSTEMS AND METHODS FOR TRANSACTION PROCESSING BASED UPON AN OVERDRAFT SCENARIO - Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be configured to use predetermined rules, a multitude of data items and/or conditions to locate a payment system, and transmit a payment authorization request from a remote location to at least one payment system, either directly, or via a payment system directory and/or a SSL Gateway.10-29-2009
20130066735System 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 an activation time 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.03-14-2013
20130166402METHODS AND SYSTEMS FOR PROVIDING A PAYMENT ACCOUNT WITH ADAPTIVE INTERCHANGE - Pursuant to some embodiments, systems, methods, apparatus, and means for conducting payment transactions using mobile devices are provided in which a mobile device is presented at a point of sale for use in a payment transaction. A selection of a primary account is received from a user of the mobile device, and the mobile device automatically identifies a product type of the primary payment account. The mobile device selects and transmits a proxy payment account identifier having a product type equivalent to the product type of the primary payment account to the point of sale for use in the payment transaction. The point of sale causes a first payment authorization request message to be routed to an issuer of the proxy payment account.06-27-2013
20120290422SEAMLESSLY CAPTURING TRANSACTIONAL DATA AT THE MERCHANT'S POINT OF SALE ENVIRONMENT AND CREATING ELECTRONIC RECEIPTS, ALL IN REAL-TIME - Series of processes and methods designed to seamlessly capture detailed transactional data from merchants' Point of Sale environments and generate final presentments of electronic receipts for both consumers and merchants, is accessible from their destination accounts, all in real time. Objectives are to: migrate all printed paper receipts to electronic forms; enable customer facing post-sales management capabilities; increase self serve; create new shopping and post-shopping experiences and satisfaction rates; significantly reduce administrative and storage requirements and costs, and provide more time for work productivity. Customers and merchants are able to create various reports and are able to directly submit them from their destination accounts for: expenditure accounting and tax purposes, payment processing, and for other company expenses. Further capabilities include creating: supplementary accounts; spend alerts; merchant driven targeted profile marketing initiatives, and business directory listings with mapping capabilities.11-15-2012
20120130833Electronically maintained community escrow - Coin types of coins with which a user is permitted to pay for a transaction are divided into first and second groups. The coin types of the second group are of lower value than those of the first group. A difference in which a total amount of the transaction is a minuend is determined. Where the difference is positive and can only be exactly paid for by the user using just coins of the coin types of the second group, and where a community escrow has a current balance greater than the difference, the following is performed. In response to the user indicating that the difference should be paid for from the community escrow, the transaction is electronically credited from the community escrow by an amount equal to the difference, and the difference is electronically debited from the community escrow.05-24-2012
20090327087SYSTEMS, 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.12-31-2009
20090327086Non-Optical Mobile Electronic Transaction System, Device and Method Therefor - Disclosed herein is a non-optical system, device and method for conducting electronic transactions utilizing a wireless communications device adapted to receive a transaction program and data. The device comprises memory storage for storing a transaction program, a microprocessor and a transponder chip. The microprocessor executes instructions contained within the transaction program to program a code segment on the transponder chip. The transponder chip transmits a signal representative of value upon detection of an activation signal. As disclosed herein, value is selected from the group consisting an identifier of a purchased good, an identifier of a purchased service, a coupon, a discount, a prepaid transaction, an electronic negotiable instrument, a sum from a credit account, and a sum from a debit account. The signal representative of value is readable by a seamier to complete a transaction. The scanner may be adapted to access a provider server for storing and retrieving user information. The scanner may be a peripheral or integrated device used to activate the transponder chip to transmit value(s), receive and translate value(s) in a non-optical method.12-31-2009
20100114723METHOD AND SYSTEM FOR PROVIDING A POINT OF SALE NETWORK WITHIN A LAN - A data control system defines within a local area network (05-06-2010
20090150249ENHANCED PRE-ALLOCATED CHECK NEGOTIABILITY SYSTEMS AND METHODS - Systems, methods, and software are described for authorizing transactions undertaken with a negotiable instrument which is pre-allocated a specific amount of funds. A host computer system may receive a request to allocate funds to a negotiable instrument. The host may verify the availability of funds, and allocate the funds to the negotiable instrument. The host may then receive a request to authorize the transaction in which the negotiable instrument is used. The host may verify that the particular instrument has been allocated the specific amount indicated, and thereby authorize the transaction.06-11-2009
20090287579SYSTEMS, METHODS, AND APPARATUS FOR ENHANCING AND UTILIZING OWED-VALUE ACCOUNTS - Systems, methods, and apparatus for enhancing and utilizing owed-value accounts are provided.11-19-2009
20080208699SALES-ASSISTANCE PROCESSING METHOD, APPARATUS, AND COMPUTER-READABLE MEDIUM - A method, system, and computer-readable medium of sales assistance include transmitting between a first sales site and a server a first message indicating that a product is unavailable at the first sales site. The method, system, and computer-readable medium also include determining and transmitting, between the server and the first sales site, a second message indicating a location of a second sales site at which the product is available, and displaying the location at the first sales site.08-28-2008
20090287580METHOD AND SYSTEM FOR DISTRIBUTING, SELLING, AND REDEEMING LOTTERY TICKETS - A method for distribution and sale of lottery tickets includes defining sets of lottery tickets uniquely designated for a particular retail establishment, with the number and prize amount of winning tickets within each set being known to the central lottery authority. The sets of lottery tickets are provided to the respective designated retail establishments at a price that is a function of the total sales value of all of the tickets within the set to the purchasing public. The lottery tickets are sold to patrons of the retail establishment, while making known to the patrons that winning lottery tickets are redeemable only at the retail establishment where the lottery tickets were sold. Any winning tickets are redeemable only at the retail establishment at which the winning lottery tickets were sold. Lottery tickets uniquely configured for use in the system are also encompassed.11-19-2009
20090292615INTEGRATED SYSTEM, DEVICE AND USE THEREOF - The invention describes a novel integrated data-system, a personal device for the system, and methods for operating the system. The invention produces means and technology for providing quantitative information about products. A key function of the system is to provide information about product-based emissions, such as carbon dioxide emissions.11-26-2009
20090313132HANDLING PAYMENT RECEIPTS WITH A RECEIPT STORE - A receipt store may be provided as a service. Electronic payment receipts generated in any type of transaction may be delivered to the receipt store. A customer may subscribe to a particular receipt store, to be used as a repository for that customer's receipts. The customer may carry a device that is used to communicate payment information (such as a credit card number) to a device reader when purchases are made. The device may also identify the customer's receipt store. A commercial establishment that accepts the customer's payment may generate an electronic receipt, and may deliver it to the receipt store specified by the customer's device. The establishment may also deliver the receipt to the customer's device, and the customer's device may send the receipt along to the receipt store.12-17-2009
20100169182MOBILE PAYMENT METHOD AND SYSTEM USING THE SAME - A system and method for authenticating a payment transaction. The system includes a transaction association source for providing an association code corresponding to a payment transaction, a transaction terminal in communication with the transaction association source for initiating the payment transaction by requesting and receiving the association code from the transaction association source, and a mobile terminal in communication with the transaction association source for transmitting the association code to the transaction association source. The mobile terminal is configured to receive data of the payment transaction from the transaction association source. The mobile terminal is configured to transmit a response message to the transaction association source to confirm or cancel the payment transaction, and the transaction association source is configured to transmit an approve or cancel message to the transaction terminal in response to receiving the response message.07-01-2010
20100280911SYSTEM 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.11-04-2010
20090265249SYSTEMS AND METHODS FOR SPLIT TENDER TRANSACTION PROCESSING - Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be configured to use predetermined rules, a multitude of data items and/or conditions to locate a payment system, and transmit a payment authorization request from a remote location to at least one payment system, either directly, or via a payment system directory and/or a SSL Gateway.10-22-2009
20090265250SYSTEMS AND METHODS FOR PROCESSING A TRANSACTION ACCORDING TO AN ALLOWANCE - Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be configured to use predetermined rules, a multitude of data items and/or conditions to locate a payment system, and transmit a payment authorization request from a remote location to at least one payment system, either directly, or via a payment system directory and/or a SSL Gateway.10-22-2009
20100138309MONEY TRANSFER PAYMENTS FOR MOBILE WIRELESS DEVICE POSTPAID SERVICES - Systems and methods for facilitating money transfer payments for mobile wireless device postpaid services include receiving, from a vendor location, a money transfer payment for mobile wireless device postpaid 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 postpaid services request or a formatted version thereof is delivered to a billing system of the destination wireless service provider. A fulfillment confirmation or denial associated with the payment for mobile wireless device postpaid services fulfillment request is thereafter received, and when a fulfillment confirmation is received, payment is provided to the destination wireless service provider.06-03-2010
20090177552Pre-Paid Activation and Replenishment on a Point-of-Sale Device - A system and method for processing prepaid financial transactions. The system and method describe the utilization of one or more remote terminals that are adapted to acquire transaction information from a user and transmit a first signal indicative of the transaction information. The remote terminal is further adapted to receive a second signal indicative of authorizing information that is delivered to the user. In addition, an authorizing host is adapted to receive the first signal transmitted by the one or more remote terminals. In one aspect, the authorizing host routes the first signal including the transaction information to an exchange host for approval of the financial transaction, and the exchange host transmits the second signal including the authorizing information to the remote terminal via the authorizing host.07-09-2009
20110208603CUSTOMER ONBOARDING - Financial institutions are continuously seeking effective ways “to onboard” customers. As used herein, “to onboard” or “onboarding” refers to a financial institution building its relationship with a customer just after that customer signs up for, or otherwise consumes, a financial product or service offered by the financial institution. Embodiments of the present invention provide apparatuses, methods and computer program products for onboarding customers. For example, according to an embodiment, the present invention provides an onboarding hub that onboards customers by helping customers set up and use an online banking website to manage their account(s).08-25-2011
20100153224Methods and Systems for Account Management of Group Accounts - Account management methods and systems are presented for managing and administering group accounts. A group may establish a financial group account using a novel group account management system in accordance with an embodiment of the invention. The novel group account management system can provide financial transaction-related controls, privileges, tracking, and/or reporting for one or more users, members, and/or sub-group within the group account. A concept of user-specific, member-specific, and/or sub-group-specific privileges is integrated into the novel group account management system to assign a particular user, member, and/or sub-group to an account management level within the group account. Furthermore, a novel concept of user-managed group account-related rules is also integrated into the novel group account management system to empower, restrict, and/or control certain transaction-related actions for at least some users, members, and/or sub-groups.06-17-2010
20100145813SYSTEM AND METHOD TO AUTHENTICATE PRODUCTS - A system and method to authenticate products. The method includes storing identity data corresponding to products to be sold into a database, accessing the database at a point-of-sale of a product, and determining the authenticity of the product at the point-of-sale by comparing the product's identity data with the identity data stored in the database.06-10-2010
20090182641FINANCIAL 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.07-16-2009
20080306829METHOD AND SYSTEM FOR PROMOTING A DEALER IN ONLINE MERCHANDISE - A method includes providing an online merchandizing web site for a distributor and prompting a customer to select a sponsoring dealer from a list of sponsoring dealers while the customer is at the web site. The customer may select a sponsoring dealer during check out and is associated with the sponsoring dealer. The web site displays a window associated with the sponsoring dealer. The window is being linked to a dealer site-let, which is part of the web site. The dealer site-let comprises promotion information for the sponsoring dealer, such as in-store specials at the dealer's local stores, web coupons, featured class schedules, etc. The distributor handles payment, fulfillment, shipping, and customer service and returns. Furthermore, the sponsoring dealer receives a specified portion of net sale profit for each sale made to the customer from the online merchandizing web site.12-11-2008
20130218697SERVICE FOR EXCEEDING ACCOUNT THRESHOLDS VIA MOBILE DEVICE - In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for exceeding account thresholds via a mobile device. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an excess threshold amount as a result of the transaction; (c) prompting the holder to consent to the excess threshold amount via the mobile device, where the holder is associated with the mobile device; (d) receiving the holder's consent to the excess threshold amount; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.08-22-2013
20090144166Control System Arrangements and Methods for Disparate Network Systems - Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous payment networks. A software-programmed computer type system receives and processes point-of-sale transaction data to select one of the payment networks associated with a participant ID (e.g., for a buyer or seller) in the transaction data. The system includes a plurality of network-specific interface modules, each associated with a specific payment network for interfacing therewith. For point-of-sale transaction data, the interface module corresponding to the selected payment network communicates payment data to the selected payment network to effect electronic payment for the point-of-sale transaction data.06-04-2009
20090327089MOBILE COMMUNICATION TERMINAL AND METHOD FOR ELECTRONIC MONEY SETTLEMENT - There is provided a settlement system comprising a mobile communication terminal, a settlement input device configured to output data of a charge, and a settlement device able to transfer money from a first account to a second account. The settlement input device comprises a first transmission unit configured to transmit the data of the charge to the mobile communication terminal, and a second transmission unit configured to transmit the data of the charge, identification data of the mobile communication terminal, and identification data of the settlement input device to the settlement device. The settlement device comprises a control unit configured to transfer an amount of money determined by the data of the charge from the first account to the second account, and a transmission unit configured to transmit the data of the amount of the transferred money to the mobile communication terminal. The mobile communication terminal comprises a first reception unit configured to receive the data of the charge from the settlement input device, a second reception unit configured to receive the data of the amount of the transferred money from the settlement device, and a display.12-31-2009
20090198583Method 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 of permitting a billee to pay an invoice issued by a biller is disclosed.08-06-2009
20110145080Anonymous Pharmacy Order Processing - In an illustrative implementation, an anonymous pharmacy order processing system includes means for protecting downstream systems from exposure to confidential identity information, thereby protecting a customer's privacy. In a preferred embodiment, a pharmacy system can generate a generic identifier corresponding to a prescription. The pharmacy system optionally sends the generic identifier to a point of sale system. The point of sale system receives the generic identifier and sends a sale confirmation to the pharmacy system. Furthermore, the point of sale system sends transaction information, including the generic identifier to a transaction system. The pharmacy system receives the sale confirmation and sends a correction transaction with an actual item identifier to the transaction system. The transaction system propagates sales including the generic item identifier to an audit system. Furthermore, the transaction system sends an inventory correction including the actual item identifier to an inventory system.06-16-2011
20110145081METHODS AND SYSTEMS FOR PROVIDING ENHANCED DATA FOR CO-BRAND PAYMENT CARD TRANSACTIONS - A method and system for processing a financial transaction using an enhanced payment card through a multi-party payment card interchange network are provided. An authorization request message generated at a point of sale (POS) device associated with a merchant is received at a computer associated with the interchange network. The authorization request message includes a card identifier and relates to a transaction initiated by the cardholder with the merchant using the enhanced payment card. The transaction is electronically identified as involving the enhanced payment card by matching the received card identifier to a list of card identifiers stored within a database. A product code identifying the transaction as an enhanced payment card transaction is electronically added to the authorization request message. The merchant is instructed to transmit to the interchange computer an addendum file including enhanced transaction data for the enhanced payment card transaction.06-16-2011
20090055281Processing systems and methods for vending transactions - Methods for reconciling vending machine transactions occurring between consecutive settlement events and for paying suppliers of vending machine goods are disclosed. Reconciling is accomplished through obtaining a local settlement value at a processing facility representing the total value of all vending transactions that occurred at the vending machine between the consecutive settlement events, receiving an electronic settlement value at the processing facility that represents the vending transactions that occurred at the vending machine between the consecutive settlement events, and reconciling the local settlement value with the electronic settlement value.02-26-2009
20110225059POS SALES TRANSACTION SAFETY NET - A method for monitoring a register is provided which comprises (a) providing a register having associated therewith (i) an electronic journal which resides on a hosting server separate from the register, and which receives digitally transmitted records of all transactions occurring at a register, and (ii) a secure, nonvolatile memory device which stores sales transaction data for the register; (b) determining whether the memory device associated with the register has sales transactions with a date within a specified date range; (c) if the memory device does not have sales transactions with the specified date range, then marking the memory device as having been examined for transactions in the specified date range; (d) if the memory device does have sales transactions with the specified date range, then determining whether the transaction data stored therein corresponds to the transaction data stored in the register's electronic journal for the specified date range; (e) if the transaction data stored in the memory device corresponds to the transaction data stored in the register's electronic journal, then marking the memory device as having been examined for transactions in the specified date range; and (f) if the transaction data stored in the memory device does not correspond to the transaction data stored in the register's electronic journal, then marking the memory device as having been examined, initiating a data recovery process and generating a notice of the discrepancy.09-15-2011
20120078739Electronic registration systems for tracking and/or identifying fraudulent gift cards purchased or linked to fraudulent item returns, and associated methods - 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 the tracking and/or identifying of fraudulent gift cards that are purchased or linked to fraudulent item returns. In certain exemplary embodiments, transaction information for gift cards is stored in and/or connected to an ER database such that fraudulent activities associated with the gift card and/or items linked to the gift card may be tracked and/or identified—even potentially long after the gift card has been initially provided.03-29-2012
20120078738Electronic registration systems for items purchased under a gift registry and/or for items to be distributed post-sale, and associated methods - 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 tracking and validating return/warranty eligibility for items purchased from a gift registry and/or to be given to a recipient at a future time, e.g., remote from the actual purchase date. If it is determined that a product is sold as a part of a gift registry, for example, the “start date” of the return/warranty eligibility period may be effectively set as the event date rather than the actual item purchase date and/or event date validation may be selectively performed in place of sale date validation when evaluating return/warranty eligibility for such items. As a result, it is possible to at least partially restore an otherwise diminished return/warranty eligibility period for a purchased, but not immediately gifted, item.03-29-2012
20090204504METHOD AND SYSTEM FOR PAUSING, MIGRATING, AND RESTARTING RETAIL POINT-OF-SALE TRANSACTIONS - A computer implemented method, data processing system, and computer program product for managing transactions on point-of-sale terminals comprising a peer-to-peer network in a retail data processing system. A purchase transaction for a customer is initiated on a point-of-sale terminal in the system. Responsive to receiving a first input from a user of the point-of-sale terminal, the purchase transaction is suspended to form a suspended purchase transaction. Information about the customer is added to the suspended purchase transaction. The suspended purchase transaction is stored as a file on the point-of-sale terminal. Responsive to receiving a second input from the user of the point-of-sale terminal, a locally-stored list of suspended purchase transactions on the point-of-sale terminal is searched using the information about the customer. Responsive to locating the suspended transaction matching the information about the customer, the suspended transaction is selected to restart the suspended purchase transaction on the point-of-sale terminal.08-13-2009
20080262936Method And System For Fueling - Method and system for fueling, whereby a fuel pump is released by obtaining a code using a mobile phone and entering that code manually in the fuel pump.10-23-2008
20090222354ENROLLMENT APPARATUS, SYSTEM, AND METHOD - An apparatus for enrolling a package is disclosed including: a receiving surface for receiving the package; at least one weight sensor in communication with the receiving surface which generates a weight signal indicative of the weight of the package; at least one video camera which generates a video signal indicative of an image of the package on the receiving surface; and a processor in communication with the at least one weight sensor and the at least one video camera. The processor includes: a weight module which produces, in response to the weight signal, weight data indicative of the weight of the package; and a dimension capture module which produces in response to the video signal, dimension data indicative of the size of the package. In some embodiments the processor further includes a recognition module which produces, in response to the video signal character data indicative of one or more characters present on the package.09-03-2009
20120197745SCHEDULING AND PAYMENT OF A BANKING TRANSACTION USING A MOBILE COMMUNICATION DEVICE WITH EMBEDDED NFC - A method for scheduling a banking transaction using a mobile communication device. The method includes creating a task on the mobile communication device to perform a banking transaction while the mobile communication device has no network connectivity, the mobile communication device actively monitoring for an available network to access. In response to identifying an available network to access, the mobile communication device automatically connects to the available network and uploads the task to a server to complete the banking transaction.08-02-2012
20120123884Store management via remote point of sale data management system - The present invention provides a method and system for accessing and managing business data stored in a POS system through a mobile device. The method enables a remote user to access and manage the business data present on the POS system in real time and effectively manage a store. The business data is provided to the user based on ad-hoc requests or automatic data feeds. The method includes receiving a request for the business data from the mobile device and converting the request to a first format, retrieving the requested business data from the POS system according to predefined rules and policies, converting the retrieved data to a second format, and transmitting the converted business data to the mobile device. The invention also includes providing the business data automatically to the mobile device based on predefined rules and policies.05-17-2012
20100241521SYSTEMS AND METHODS FOR ACCESSING AND MANAGING FROM A CUSTOMER ACCESS POINT CAPTURED TRANSACTIONAL DATA RELATED TO PRODUCT AND SERVICE SALES - Systems and methods for capturing and managing information from a plurality of individual items sold in a commercial transaction between a consumer and a merchant can include capturing, at a point-of-sale, transactional data for the a plurality of individual items sold during the transaction. The transactional data can include item identification information for each of the a plurality of individual items sold. The transactional data can further be used to authorize the transaction.09-23-2010
20100241520SYSTEMS AND METHODS FOR STORING TRANSACTIONAL DATA RELATED TO PRODUCT AND SERVICE SALES - Systems and methods for capturing and managing information from a plurality of individual items sold in a commercial transaction between a consumer and a merchant can include capturing, at a point-of-sale, transactional data for the a plurality of individual items sold during the transaction. The transactional data can include item identification information for each of the a plurality of individual items sold. The transactional data can further be used to authorize the transaction.09-23-2010
20100241519SYSTEMS AND METHODS FOR CAPTURING AND MANAGING TRANSACTIONAL DATA RELATED TO PRODUCT AND SERVICE SALES - Systems and methods for capturing and managing information from a plurality of individual items sold in a commercial transaction between a consumer and a merchant can include capturing, at a point-of-sale, transactional data for the a plurality of individual items sold during the transaction. The transactional data can include item identification information for each of the a plurality of individual items sold. The transactional data can further be used to authorize the transaction.09-23-2010
20100228639Systems And Methods To Initiate Payments From Electronic Devices - Disclosed are systems and methods to initiate electronic payments using wireless network broadcasts. For example, a purchaser may purchase goods and/or services offered by a merchant by checking out (initiating a payment transaction for the goods and/or services) via a cash register or a point of sale terminal at the merchant. When a purchase amount or total for a particular purchase is calculated, a payment request message may be broadcasted publicly on a wireless network where the merchant and an electronic device operated by the purchaser may participate as network nodes. The electronic device may receive the broadcasted payment request message and may display an interface or visual indication that includes information associated with the payment request message such that the purchaser interact with the interface or visual indication to initiate a payment transaction to purchase the goods and/or services associated with the particular purchase.09-09-2010
20090076923Secure Customer Relationship Marketing System and Method - Network systems and methods are disclosed for maintaining purchase history databases useful for targeted marketing while preventing users from obtaining access to customer financial accounts.03-19-2009
20100217677METHOD AND APPARATUS FOR SECURE WIRELESS POINT OF SALE TRANSACTIONS - In an embodiment, a method of masking transaction data for a secure wireless transaction includes transmitting wireless pseudo transaction data that includes false transaction data and processing received pseudo transaction data and transaction data to extract or separate the transaction data.08-26-2010
20100211471COMMODITY SALE DATA PROCESSING APPARATUS AND CONTROL METHOD FOR THE SAME - A receipt detection unit which detects the presence of a receipt issued by a receipt issuing unit provided in a commodity sale data processing apparatus, and an operator detection unit which detects the presence of an operator of the apparatus, are provided. Then, it is notified that a receipt is left on condition that the receipt is detected by the receipt detection unit and the operator is not detected by the operator detection unit.08-19-2010
20130218698Method and System for a Multi-Purpose Transactional Platform - The present invention relates particularly to a method and system for consolidating a plurality of a consumer's payment and non-payment source accounts into a consolidated platform with a customer identification or available proxy account numbers that can be assigned to source accounts. The source accounts can be, for example, credit card accounts, ATM accounts, debit card accounts, demand deposit accounts, stored-value accounts, merchant-loyalty card accounts, membership accounts, and identification card numbers. The consumer can access and modify any of the source accounts and manage funds across the source accounts by accessing the consolidated platform with a single access device or mode.08-22-2013
20090327088System and Method for performing International Transactions - A transaction routing system that includes a communication gateway is provided. The communication gateway receives transaction data from at least one transaction terminal and determines whether to route the transaction data to an international host server or to a local host server. The decision is based on a capability of the communication gateway to route the transaction data to the international host server.12-31-2009
20100191607ORDER ACCEPTING DEVICE AND METHOD OF DISPLAYING NUMBER OF ORDERS - An order accepting device includes: an addition unit which, every time a menu button having an article name attached thereto and accepting an operation by an operator is operated, adds a count value indicating the number of orders of an article corresponding to the operated menu button; and a first count display unit which displays the count value indicating the number of orders obtained by the addition unit, on the menu button.07-29-2010
20120271725Electronic Transaction Record Distribution System - A point-of-sale (POS) receipt management system has a computerized appliance at the POS executing first software (SW) from a non-transitory physical medium, and a peripheral device coupled to the computerized appliance, the peripheral device enabled to transmit data wirelessly to a portable communication device in close proximity to the peripheral device, the portable communication device in possession of a consumer. Upon the consumer completing a transaction at the POS, the POS computerized appliance prepares transaction data, which is transmitted to the peripheral device, and hence wirelessly to the portable communication device in possession of the consumer.10-25-2012
20090037286Restaurant patron payment system and method for mobile devices - A secure and efficient system and method that allows restaurant patrons to combine, split and/or pay for one or more components of an outstanding bill via a mobile computing device. In the most ideal embodiment, the restaurant has an existing order management/Point of Sale (POS) system installed on a computer network with wireless (Wi-Fi or Bluetooth) capabilities. When patrons have finished eating and are ready to pay for their bill, all outstanding check details are downloaded from a POS database to a mobile computing device over the wireless network. Each patron reviews the check details (listed in an orderly fashion on the screen of the mobile device) to determine how much they each want to pay. Patrons can pay for all or specific parts of the entire bill as well as all or specific parts of each item that was ordered. After a specific payment amount has been identified, each patron can manually enter their card details, swipe a bank card through a magnetic card reader attached to the mobile device or they can choose to have the waitperson pick up a specific amount of cash. The use of smart cards can be used for incentive programs or other related processes. If communicated over a wireless network, bank card transaction details can be sent to the server of the restaurant and can be processed by a 3rd party credit agency of choice.02-05-2009
20130144737Point-of-Sale (POS) Machine, POS Machine Card-Payment System and Card-Payment Trading Method Thereof - A POS machine and a POS machine card-payment system and a card-payment transaction method thereof. The POS machine card-payment system can select merchant information by selecting a product or a merchant and download the merchant information in a database to a POS machine terminal, and thus enable the POS machine terminal to perform card-payment operation based on the downloaded merchant information, thereby achieving the function that a plurality of merchants share a POS machine terminal to perform card-payment operation, and the merchant information can be added, deleted and modified by the card-payment system, thereby achieving the purpose of freely expanding the number of merchants.06-06-2013
20110016008Electronic registration systems for processing variable or multiple return/warranty policies, and associated methods - 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 variable or multiple return/warranty policies to be processed. In certain exemplary embodiments, at least some transaction information corresponding to an originally purchased product is selectively provided to replacement products provided as a part of a return/warranty request. Thus, it is possible in certain exemplary embodiments to make sure that a return/warranty policy's terms and/or conditions are managed consistently and effectively, even though one or more replacement products may be provided during the lifetime of the policy. In an example variable policy, no refunds are available past a first time period, no exchanges are available past a second time period, and only pro-rata exchanges are available in a third time period, with the periods being fixed regardless of how many times a product has been replaced.01-20-2011
20110040641Apparatus and Method for POS Processing - An apparatus and method for configuring, altering, controlling, securing, and extending the processing capability and functionality of PCs and POS devices using a non-volatile memory device using software and data carried within the apparatus.02-17-2011
20110119142SYSTEM AND/OR METHOD FOR HANDLING RECALLED PRODUCT PURCHASES AND/OR RETURN/WARRANTY REQUESTS - Certain exemplary embodiments described herein relate to the field of electronic registration (ER) of purchased products and, more particularly, to improved electronic registration techniques purchase-side and/or return-side handling of recalled items. Certain exemplary embodiments on the purchase-side may help to filter-out products that have recalled been before they are purchased. Certain exemplary embodiments on the return-side may help enable recall return overrides, thus facilitating the acceptance of recalled products even though they might not qualify under an original return/warranty policy. Advantageously, more and more recalled products may be filtered out of circulation through the use of purchase-side and/or return-side recall watch list checking techniques of certain exemplary embodiments. Such purchase-side and/or return-side recall watch list checking may be performed together with or separate from electronic registration techniques in different exemplary embodiments.05-19-2011
20100036743TRANSACTION PROCESSING PLATFORM FOR FACILITATING ELECTRONIC DISTRIBUTION OF PLURAL PREPAID SERVICES - A transaction processing platform capable of facilitating the distribution to consumers of various types of prepaid products is disclosed. The transaction processing platform is configured to interface with one or more providers of such prepaid products in order to facilitate the procurement or activation of the products. The platform includes a conduit interface through which service request messages are received and respectively utilized to generate transaction requests for corresponding types of prepaid services. A supply interface arrangement, operatively coupled to the conduit interface, is configured to route a first of the transaction requests through a first supply interface associated with a first type of prepaid service. The supply interface arrangement also routes a second transaction request through a second supply interface associated with a second type of prepaid service. The platform is also configured to provide supplier response information received through the supply interfaces to the conduit interface.02-11-2010
20100063889VISUAL IDENTIFICATION INFORMATION USED AS CONFIRMATION IN A WIRELESS COMMUNICATION - Techniques for facilitating the exchange of information and transactions between two entities associated with two wireless devices when the devices are in close proximity to each other. A first device uses a first short range wireless capability to detect an identifier transmitted from a second device in proximity, ideally using existing radio capabilities such as Bluetooth (IEEE802.15.1-2002) or Wi-Fi (IEEE802.11). The detected identifier, being associated with the device, is also associated with an entity. Rather than directly exchanging application data flow between the two devices using the short range wireless capability, a second wireless capability allows for one or more of the devices to communicate with a central server via the internet, and perform the exchange of application data flow. By using a central server to draw on stored information and content associated with the entities the server can broker the exchange of information between the entities and the devices.03-11-2010
20130159119CARDLESS PAYMENT TRANSACTIONS - A method that includes obtaining a current location of a mobile device of a customer; sending the current location to a cardless payment system; determining whether to send, to the cardless payment system, an indication of consent to perform a cardless payment transaction with the merchant; displaying on the mobile device whether the merchant is authorized to perform a cardless payment transaction with the customer.06-20-2013
20110078034Apparatus and method for point of sale terminal fraud detection - A system, apparatus, method and computer programming for monitoring security of a payment terminal is described. There is provided monitoring of one or more security parameters associated with the payment terminal; detecting any violation of any one of the security parameters; classifying the detected any violation of the one or more of the security parameters into a classification; transmitting data regarding the any violation of the one or more of the security parameters, including the classification thereof, to a centralized terminal management server. If the any detected violation of the one or more of the security parameters is classified as potential fraudulent activity, there is also provided one or more security actions in response to the any detected violation of the one or more of the security parameters.03-31-2011
20110071914Method and Apparatus for Secure Transaction Management - Methods and apparatuses for secure transaction management are provided. An example method may include verifying that a mobile terminal identifier is registered with an account, generating an authorization code, and verifying that the received authorization code matches the authorization code stored in association with the account, and the received customer verification number matches the customer verification number associated with the account. The example method may also include providing for transmission of a verification reply to authorize the transaction.03-24-2011
20120203646SYSTEMS AND METHODS FOR FACILITATING SECURE TRANSACTIONS - A system for secure transactions receives an authorization request from a mobile device, the mobile device having received the authorization request by scanning a QR code and/or other encoded data. The system processes the authorization request using one or more transaction accounts that are paired to the mobile device, and transmits a response indicating approval or denial of the authorization request.08-09-2012
20120123885ACTIVATING LICENSABLE COMPONENT OF CONSUMER ELECTRONIC DEVICE AT POINT OF SALE - A purchaser of a CE device informs a retail clerk, at the point of sale (POS) of features of the CE device the purchaser wishes to employ, some of which require a license. The CE device is vended without the licenses but the clerk can upload the desired features to a server, which correlates the features to licensable components and which returns to the POS the license codes needed to enable the components. The codes can be provided to the CE device using RFID at the POS, or storing the codes on a removable storage at the POS and giving the storage to the purchaser, or by printing the codes as bar codes in the sales receipt at the POS and giving the receipt to the purchaser, who later scans the codes past a camera of the CE device to enable the associated licensable components.05-17-2012
20110153441Systems and Methods for Authorizing Use of Validly Sold Merchandise - The invention is generally directed to a method of managing the activation and use of a specific merchandise, facilitated between at least a retailer that sells the specific merchandise, a customer that purchases the specific merchandise, and a central processor that authorizes activation and use of the specific merchandise. The method includes the steps of receiving an indicia that uniquely identifies the specific merchandise, and an activation code associated with the merchandise that will allow the merchandise to properly function; storing the indicia of the specific merchandise and the activation code; receiving a confirmation of a valid purchase transaction of the specific merchandise, the confirmation of valid sale comprising the indicia of the specific merchandise; determining the activation code associated with the specific merchandise; and providing the activation code associated with the specific merchandise to the customer.06-23-2011
20080255955Weight Management System with Simple Data Input - A weight management system comprises a cash register (CRS), a user client (UC) and a weight management module (WM), coupled via a wide area network (WAN). A user has a personal card (PC) with a code, the code identifying the user to the cash register and being related to a user ID. The cash register system (CRS) is arranged for sending, when the user pays the food item, corresponding food intake information and the user ID to the weight management module (WM). The weight management module (WM) comprises a food information system, a calorie intake component and a calorie balance component. The food information system stores a respective calorie content for a plurality of food items. The calorie intake component is coupled to the food information system and calculates an amount of calories taken by the user based on the received food intake information.10-16-2008
20100121726SYSTEM AND METHOD FOR PROCESSING FINANCIAL TRANSACTION DATA USING AN INTERMEDIARY SERVICE - An acquirer communicates with an intermediary transaction processing service to handle financial transaction requests received from multiple points of purchase. The acquirer receives an initial authorization request generated based on a transaction initiated by a customer at a point of purchase. The initial authorization request includes unique identifying information associated with the customer. The acquirer determines that the unique identifying information is associated with the intermediary service and provides at least part of the initial authorization request to the intermediary service. In response, the intermediary service provides account information to the acquirer. The acquirer then generates a modified authorization request based on the initial authorization request and the received account information and transmits the modified authorization to an issuing institution to request approval of the transaction.05-13-2010
20110078033Methods and Apparatus for Produce Identification - Systems and techniques for produce identification for transaction processing. A produce item to be entered into a transaction is identified using time resolved reflectance spectroscopy. A produce item is injected with laser light over a selected range of wavelengths, and light emitted from the produce item is detected and measured over time. The measurement is processed to generate absorption and scattering spectra for the produce item. The absorption and scattering spectra are compared against those of known produce items, and upon determination that an acceptable match has been achieved, a transaction record is updated with information relating to the produce item.03-31-2011
20100070376SYSTEMS AND METHODS FACILITATING MOBILE RETAIL ENVIRONMENTS - An automated system for facilitating sales in dynamically-changing mobile retail environments includes a vendor/supplier connector module, a carrier connector module, a provisioning module, and a point-of-sale (POS) customization module. The vendor/supplier connector module facilitates automated exchange of product data with a plurality of different vendors or suppliers of products or services. The carrier connector module facilitates automated exchange of transportation data with a plurality of different carriers, with the transportation data corresponding to specific mobile retail environments. The provisioning module automatically determines, based on the product data and on the transportation data, products or services corresponding to a specific mobile retail environment. The POS customization module automatically generates re-configuration data for each of a plurality of POS interfaces. The re-configuration data limits each of the plurality of POS interfaces to facilitating sales of only the subset of the set of products or services that corresponds to a specific mobile retail environment.03-18-2010
20110178887System and Method for Separation of Software Purchase from Fulfillment - A system, method, and computer-readable medium are disclosed for separating the purchase of digital assets from their fulfillment. Information associated with the purchase of a system and digital assets to be processed by the system is received, including the system's unique system identifier. The unique system identifier is associated with the digital assets to generate digital assets entitlement data. A personalization agent installed on the system determines the system's unique system identifier and automatically downloads the purchased digital assets and their associated digital assets entitlement data. Once downloaded, the personalization agent uses the digital assets entitlement data to install the purchased digital assets on the system, thereby entitling the system to process the installed digital assets.07-21-2011
20110178886System and Method for Manufacturing and Personalizing Computing Devices - A system, method, and computer-readable medium are disclosed for separating the installation of an operating system from the fulfillment, installation, and entitlement of other digital assets. Information associated with the purchase of a system and digital assets to be processed by the system is received, including the system's unique system identifier. The unique system identifier is associated with the digital assets to generate digital assets entitlement data. A personalization agent installed on the system determines the system's unique system identifier and automatically downloads the purchased digital assets, which comprises an operating system (OS), and their associated digital assets entitlement data. Once downloaded, the personalization agent uses the digital assets entitlement data to first install the OS according to any restrictions imposed by the OS manufacturer, and then the remaining digital assets, on the system, which is then entitled to process the installed digital assets.07-21-2011
20100010904Immediate recognition of financial transactions - Immediate recognition of deposits and other transactions may be provided by a financial institution for transactions conducted at a remote location. The financial institution may receive transaction data from a device at the remote location and immediately acknowledge the transaction and provide a non-provisional credit to an entity's account. The device may include various currency handling devices such as automatic teller machines (ATM), self-payment kiosks, cash registers and the like. A financial institution may further provide a real-time cash position of an entity across multiple currency handling devices of the entity.01-14-2010
20110153442Apparatus and method of establishing credit on a cash register or printer - A method and system is provided for establishing credit on a cash register or printer. A currency amount is established on a cash register or printer in order to pay for a product or service using a cellular telephone, or other personal wireless communication device. The personal wireless communication device activates an applet, which may be downloaded at the site, to establish a link with a vending universal wireless interface (VUWI) coupled to the cash register or printer's microprocessor controller to establish a link with a remote server for authorizing credit for the payment of the transaction to complete a purchase by a consumer.06-23-2011
20120209733UNIFIED IDENTITY VERIFICATION - Apparatus, systems, and methods are disclosed that operate to register one time, at a server associated with an authenticating entity, information comprising an identity uniquely associated with an individual account owner and an account held by the authenticating entity. Further activity includes receiving an authentication request at the server from a requesting party to authenticate an unauthenticated individual purporting to be the individual account owner, and authenticating, by the server, the unauthenticated individual as the individual account owner by matching a token presented by the unauthenticated individual, to the identity. Responsive solely to the authenticating, only a selected portion of the information previously authorized by the individual account owner is provided for sharing with the plurality of selected requesting parties. Additional apparatus, systems, and methods are disclosed.08-16-2012
20100030652Hosting Interactive Management System - The present invention provides a computerized and interactive hosting management system adapted to facilitate communication between customers and service providers. The interactive system can be utilized in restaurants, caf?s, diners, hotels, theaters, resorts and the like. The present invention is provided with identification means so as to allow identification of the customers using the facilities of the place. Identifying the customers using the system is effective so as to build up a true interactive system.02-04-2010
20120047036TRANSACTION SYSTEM WHICH COMBINES VEHICLE BATTERY CHARGING WITH OTHER SERVICES - A transaction system which combines vehicle battery charging with other services. The transaction system includes a vehicle battery charging system, a display, an input device, a payment peripheral, and a self-service computer for displaying choices for a battery charging service and at least one other service via the display, for recording a user selection of the battery charging service and the at least one other service via the input device, for obtaining payment for the battery charging service via the payment peripheral, for operating the vehicle battery charging system to apply charging current to a vehicle battery, and for facilitating completion of the at least one other service.02-23-2012
20090299866Detecting device for a cash drawer and a point of sales system - A detecting device for a cash drawer is used for detecting a status of the cash drawer. The detecting device includes an operation logic circuit and a switch element. The operation logic circuit has a first input terminal, a second input terminal and an output terminal. The first input terminal and the second input terminal are respectively coupled with a micro switch. The first input terminal and the second input terminal are respectively inputted with a high level voltage. When the first input terminal and the second input terminal have the same logic voltage levels, the operation logic circuit outputs a first logic level to the output terminal. When the first input terminal and the second input terminal have different logic voltage levels, the operation logic circuit outputs a second logic level to the output terminal. The switch element is coupled between an electromagnetic switch and the first input terminal.12-03-2009
20120166296SYSTEMS AND METHODS FOR DATA COLLECTION AT A POINT OF RETURN - Systems and methods are described for collecting data at a merchant's point of return for use in processing a merchandise return transaction that is being requested by a customer. In various embodiments, the data may be collected using a wide variety of data collection technologies and may be used in conjunction with stored data, including data collected from other merchants, by a return authorization system to make a determination whether to accept or deny the requested merchandise return. The data may additionally or alternatively be used to determine whether to issue a warning to the customer about limitations on future return transactions presented by the customer. Examples of data categories that may be collected include, but are not limited to, information about: the merchant, the customer, the requested transaction, the merchandise being returned, one or more receipts, a clerk processing the transaction, and other general applicable information.06-28-2012
20120233007System and Method for Distributing Media Content - A system that incorporates teachings of the present disclosure may include, for example, transmitting registration information over a network to a registration server for registration of first media content housed in a physical medium where the first registration information is associated with a purchase of the first media content from a point of sale device of a retailer and responsive to the registration, obtaining authorization for electronic access to second media content provided by a media source, where the second media content is associated with the first media content. Other embodiments are disclosed.09-13-2012
20120084164ACCUMULATION ALERTS - Systems and methods for defining, observing and detecting transactions that initiate an alert message to be sent to one or more users are disclosed. Aggregate threshold, number of transactions and proximity to reward types of alert messages and alert criteria can be defined or selected by users, merchants, and issuers. Alert messages can be sent based on aggregating transaction data from an observed transaction with information from historical transactions, such as credit card transactions. If the aggregated transaction data associated with the transactions match any of the alert criteria, then alert messages can be sent to one or more users. An alert message may include information from the alert trigger as well as the aggregated transaction data.04-05-2012
20100250381METHOD AND SYSTEM FOR HANDLING A QUEUE - The invention concerns a system designed for handling a queue at store checkouts and similar. Instead of one queue at each check-out counter all counters have one common single-line queue. At the front of the queue there is a display showing the status for each of the checkouts and indicates when the next customer in the queue should proceed to an available counter. The display shows the status of the checkout counters and thereby indicates to the next customer in the queue that it is time to proceed to an available checkout counter. The checkout counters and the central processing units are interconnected such that the display, upon the occurrence of specific triggering events associated with transaction events from a checkout counter, is arranged to automatically indicate a change in status and update the status for said checkout counter. The invention also relates to a method for handling a queue as referred above.09-30-2010
20100250380Fault Tolerant Lottery Communications Network, Device, System and Method - A versatile and highly reliable lottery communications system employs point-of-sale terminals that can be adapted to a plurality of network technologies and service providers. The point-of-sale terminals are provided with at least two network-agnostic connecting devices to enable fast configuration regardless of the intended deployment environment. The point-of-sale terminals can be adapted to connect with multiple wireless networks at the same time, multiple wireline networks at the same time, and/or at least one wireless network and at least one wireline network at the same time, with failover and fallback programming to ensure maximum uptime for lottery operators and retail distributors.09-30-2010
20120316977COMMODITY SALES DATA PROCESSING APPARATUS AND CONTROL METHOD THEREOF - A commodity sales data processing apparatus receives input of a comprehension degree which indicates the comprehension degree of a customer purchasing the commodity whose explanation is required by a salesperson if the sales data of the commodity whose explained is required by the salesperson is input through an input unit, and stores an information indicating the comprehension degree received in association with an identification information of at least one of the commodity and the salesperson.12-13-2012
20120136736PLATFORM AND METHOD FOR INTEGRATING SERVICES IN A TERMINAL OR KIOSK - A software platform and method are presented for integrating loosely coupled services or offerings provided across a retail environment into self-service terminals configured to perform different type of retail functions. The integration is accomplished with little or no modifications to existing software applications that provide the services or offerings.05-31-2012
20100174614SYSTEM AND METHOD FOR MANAGING ELECTRONIC SERVICE PLATFORM - Provided are a system and a method for managing an electronic service platform, which are applicable to a network communication architecture including a server end, a user end, and a POS terminal. The method includes: logging in, by the user end, a common service platform provided at the server end; editing commodity sale information and/or POS terminal identification data through an editing interface provided by the common service platform; converting, by the server end, the edited commodity sale information into a POS terminal compatible file format according to a POS terminal type; and finally transmitting the converted commodity sale information to the POS terminal for display such that clients can place commodity orders via the POS terminal, thereby reducing production and usage costs of the electronic service platform.07-08-2010
20120215649SYSTEM FOR SECURED TRANSACTIONS OVER A WIRELESS NETWORK - A system for implementing a method that books and pays a retailer having a POS connected to a transaction server storing confidential user information including a retailer identification, a user code, and a user wireless device phone number. The method includes: receiving at the transaction server, from the user wireless device which can be a cell phone, an SMS containing a retailer identification; reading at the transaction server the phone number of the wireless device communicated by the carrier transporting the SMS; authentifying the phone number and retailer identification with the stored confidential user information; sending the user confidential information to the retailer POS. The user enters on the POS the user code. The POS reads and authentifies the user code with the user confidential information received from the transaction server. The retailer enters the payment information on the POS and sends it with user information to the transaction server.08-23-2012
20100049617Inserting 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.02-25-2010
20100049616SYSTEM AND METHOD FOR SCALE-BASED PRICE AND INVENTORY MANAGEMENT OF PERISHABLE GOODS - A system and method for controlling the inventory of perishable goods. An advanced weighing scale serves as a portal to the output of a perishable goods inventory management software application and a perishable goods price optimization software application that receive and analyze inventory and sales data relating to perishable goods of interest. Inventory suggestions and/or price changes recommended by the software applications with respect to a particular perishable good of interest are viewable directly at a corresponding advanced weighing scale. Operation of the perishable goods inventory management software application and perishable goods price optimization software application may be controlled by the advanced weighing scale. An electronic pricing device may be included for displaying the price of a perishable good of interest. In at least certain embodiments, the electronic display may be changed in response to a signal(s) from an advanced weighing scale based on a recommendation of the perishable goods price optimization software application.02-25-2010
20100274679FRAUD LOCATION DETERMINATION - A system and method is described for alerting authorities or taking other corrective authoritative action to a possibly fraudulent credit card transaction. A cardholder is notified that a transaction has just taken place and is given an opportunity to indicate that he or she did not authorize the transaction. If so indicated, and depending on how recent the transaction was (e.g. 15 seconds ago) then an alert is automatically sent to the merchant, store security, or local police. In addition, a store camera can be automatically activated to zoom in and record the perpetrator of the fraudulent transaction.10-28-2010
20100036742ELECTRONIC MONEY SYSTEM, AMOUNT-OF-MONEY CHANGE INFORMATION TRANSMITTER, SERVER, AND AMOUNT-OF-MONEY CHANGE INFORMATION TRANSMITTING METHOD - An electronic money terminal is provided to confirm whether a currency terminal has executed money amount change processing when there is no response after transmission of money amount change information to the currency terminal. The electronic money terminal reads and stores a value balance before transmission of money amount change information from an electronic money card. Then, the electronic money terminal transmits the money amount change information to the electronic money card. The electronic money terminal waits for a response from the electronic money card for a predetermined time and, if no response is transmitted, the electronic money terminal forcibly reads a current value balance in the electronic money card. The electronic money terminal compares this value balance with the value balance read before transmission of the money amount change information, determines that the money amount change information has not been carried out in the electronic money card if both the value balances are equal to each other, and determines that the money amount change information has been carried out in the electronic money card if they are different from each other.02-11-2010
20100306072INSTANT FINANCIAL CREDIT SYSTEM - Systems, apparatus, and computer program products are provided that allow for a credit partner, such as a retailer, to process a customer credit card application at multiple point-of-sale/point-of-contact channels, such as a manned or self-service cash register, a manned or unmanned kiosk, partner web site, a call center or the like and, if the customer is approved, allow for the customer to transact using the approved credit account at the credit partner location/site. The systems, methods and computer program provide for integration of the credit application system within multiple point-of-sale channels without requiring a large degree of customization and/or configuration at the credit partner level. In addition, embodiments support both active and passive instant credit decision processing.12-02-2010
20100010906Point of sale payment method for multiple recipients using a digital payment service - The method allows the funds from the purchase of a single item to be automatically divided and distributed to multiple recipients according to pre-arranged royalty and percent ownership arrangements. The purchase of multiple items can also be managed this way. In one embodiment, the method may employ JavaScript fee-split code that can be uploaded from a remote merchant server. The code can be executed within the web browser of a buyer's computerized device, and then send instructions over the Internet to the API of an automated Internet ecommerce system. The ecommerce system will then automatically split the buyer's single item payment to multiple recipients, and automatically credit the escrow account of the multiple recipients at the time of the buyer's purchase. In another embodiment, the details of the fee split arrangement can be stored in the remote ecommerce system, and be automatically invoked when the user makes a purchase.01-14-2010
20120185344METHOD AND SYSTEM FOR SPORTING EVENT BETTING AT A POINT OF SALE TERMINAL - A point of sale system and method for consummating sales transactions and enabling sporting event betting. The point of sale system includes a cash register, an event server, and a customer interface. The cash register consummates point of sale transactions and accepts cash, credit and debit payments. The event server communicates with the cash register for communicating sporting event choices to the cash register. The customer interface communicates with the cash register and includes a display for displaying at least one of said sporting event choices to a customer. The customer interface includes an input module for enabling a customer to select at least one of said sporting event choices and for enabling a customer to place a wager on the selected sporting event choice. The system also includes a printer in communication with the cash register to print a transaction receipt including a description of the selected sporting event choice and the wager. The point of sale system communicates with a risk management server that calculates the odds of each wager. In one embodiment of the invention, the wager, the odds and a description of the sporting event are printed on the receipt in addition to the point of sale transactional information such descriptions of items purchased, cost of each item, subtotal, tax and total.07-19-2012
20120259719Point of Sale Enhancement System and Method - A system for point of sale enhancement, the system comprising: a control data capturer, configured to capture control data of an operation on a POS (Point of sale) terminal computer of a first party, a transaction data extractor, in communication with the control data capturer, configured to extract transaction data from the captured control data, a query issuer, in communication with the transaction data extractor, configured to issue a query based on the extracted transaction data, and a remote computer of an intermediary party, in remote communication with the query issuer, configured to receive the query and generate a result for the received query, using information provided by a third party through remote communication to the remote computer.10-11-2012
20120191557PAYING FOR A BANKING TRANSACTION USING A MOBILE COMMUNICATION DEVICE AND NFC STICKER - A method for scheduling a banking transaction using a mobile communication device. The method includes creating a task on the mobile communication device to perform a banking transaction while the mobile communication device has no network connectivity, the mobile communication device actively monitoring for an available network to access. In response to identifying an available network to access, the mobile communication device automatically connects to the available network and uploads the task to a server to complete the banking transaction.07-26-2012
20090018924 MOBILE 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.01-15-2009
20130018742NFC TRANSACTIONS USING PAYMENT CREDENTALS STORED AT A REMOTE SERVER - A method for configuring a mobile communication device to perform transactions using a second communication channel that is different from a first communication channel through which the mobile communication device sends voice data. The method includes attaching a secure element to the mobile communication device. The secure element includes a memory storing an application, a processor configured to execute the application stored in the memory; and a wireless transceiver configured to send transaction data associated with the executed application through the second communication channel to a terminal that is remote from the mobile communication device.01-17-2013
20130173406PERSONAL INTERFACE DEVICE AND METHOD - A personal device is provided. The personal device includes an identification verification system that receives first identification data from a physical identification device, such as by inserting a driver's license into a card reader that is adapted to receive a driver's license. Second identification data such as a PIN number is also received. Payment authorization data or other suitable data is generated if the driver's license corresponds to the PIN. A payment selection system or other suitable system receives the payment authorization data and displays one or more payment accounts for selection by a user. Where a payment selection system is used, the payment selection system transmits payment account data to a point-of-sale system.07-04-2013
20100325003INTEGRATED POINT OF SALE TERMINAL - An integrated point-of-sale terminal for use with a fuel dispenser has a site controller, at least one dispenser having a user interface, at least one processor at the site controller, memory coupled to the processor, and a plurality of point-of-sale applications associated with the site controller. The processor is configured to dynamically regulate which of the plurality of point-of-sale applications has control of the dispenser user interface based on a set of business rules.12-23-2010
20120265627SYSTEM AND METHOD FOR ENABLING POINT OF SALE FUNCTIONALITY IN A WIRELESS COMMUNICATIONS DEVICE - The invention broadly comprises a method for enabling point of sales (POS) functionality in a wireless communications device (WCD) including the steps of: transmitting, using an interface element in at least one specially programmed general purpose computer, a POS function control signal to a communication network for transmission to a WCD, the WCD located in a retail location; activating a POS function, in response to the control signal, to enable POS functionality in the WCD, the POS function stored in a memory element for the WCD or in a memory element for the at least one specially programmed computer; acquiring, using the POS function, an identification of an item via the WCD; receiving, using the interface element, the identification data for the item from the WCD via the communication network; and generating, using a processor for the at least one general-purpose computer, an order including the first item.10-18-2012
20120265626SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT FOR PROCESSING PAYMENTS - A payment processor for providing a payment service includes a transaction processor to process a transaction request. An application programming interface links a merchant to the transaction processor based on an identifier. A merchant center, located between a gateway and a point of sale device of the merchant, queries a database for information associated with a buyer and the merchant based on information received from the point of sale device, to generate the transaction request based from merchant transaction data received from the point of sale device and the information associated with the buyer and the merchant received from the database, and to communicate the transaction request to the transaction processor. The transaction processor also communicates information associated with the transaction request with the merchant based on the identifier.10-18-2012
20110231271METHOD AND APPARATUS FOR PRESENTING ARTICLES OF CLOTHING AND THE LIKE - A method and an apparatus for presenting clothing products and/or the like at sales points (09-22-2011
20110238514Transaction Completion Based on Geolocation Arrival - Techniques for providing friction-free transactions using geolocation and user identifiers are described herein. These techniques may ascertain a user's location based on a location of a mobile device. A transaction between the user and a merchant may be completed with zero or minimal input from the user based on the geolocation of the mobile device and the user identifiers. In some implementations, a transaction initiated earlier is completed when the mobile device arrives at the merchant. Additionally, a parent-child or similar relationship may be established between multiple devices. Security on the mobile device based may be provided by biometric identification and calculation of variance from regular movement patterns. Advertisements may be sent to the mobile device based on bids from merchants near to the mobile device. Promotions may be sent to the mobile device when more than a threshold number of mobile devices are located at the same merchant.09-29-2011
20120278190SHELF LIFE EXPIRATION DATE MANAGEMENT - Embodiments of the present invention provide a method, system and computer program product for shelf life expiration date management for smart refrigerators. In an embodiment of the invention, a method for shelf life expiration date management for smart refrigerators is provided. The method includes identifying a consumer during a point of sale transaction for purchasing different food items by a point of sale computer system, for example by scanning a bar code or reading a magnetic strip of a loyalty program card or reading a radio frequency identification (RFID) dongle. A list of the different food items can be provided to the smart refrigerator, for example from storage in the loyalty program card or RFID dongle, or as transmitted from the point of sale computer system to the smart refrigerator over a computer communications network. Finally, expiration dates can be determined for the food items in the list and stored in the smart refrigerator.11-01-2012
20110276421Method, Device, and System for Carrying Point of Sale Data Service over Internet Protocol Network - A method, device, and system for carrying a Point of Sale (POS) data service over an IP network are disclosed. A method for carrying a POS data service over an IP network includes receiving, by a home gateway, a number dialed by a user at a POS. When determining that the number dialed at the POS is a POS access code according to configuration information, a call link with a softswitch is set up through Session Initiation Protocol (SIP) signaling interactions and Session Description Protocol (SDP) negotiation is performed with the softswitch. A DSP inside the home gateway is switched from a normal voice mode to a POS data service mode. POS negotiation is performed with a Network Access Server (NAS) connected to a banking center and data services exchanged between the POS and the banking center are transferred after successful negotiation.11-10-2011
20120330768REVERSE VAULT CASH SYSTEM AND METHODS - An electronic cash management system including a plurality of electronic cash safes each associated with a cash acceptor and a communicator under the physical control of a financial institution operating as a vault cash manager which owns the cash located therein and operative upon receipt of cash into one of said plurality of cash safes, verified by the cash acceptor to employ the communicator for providing a computer network notification to the financial institution indicating receipt of the cash as vault cash owned by the financial institution.12-27-2012
20120330767SYSTEM AND METHOD FOR CONTROLLING FINANCIAL TRANSACTIONS OVER A WIRELESS NETWORK - A system and method for controlling financial transactions is disclosed. A customer, using a wireless device, identifies a point of sale and the amount of a transaction at that point of sale is first communicated to a central service and then transmitted to the wireless device for display at the wireless device. The customer can either accept the transaction amount to complete the transaction or reject the amount to cancel the transaction. The customer may have to enter a password or personal identification number to verify the authorization to use the wireless financial system. The customer is billed for the transaction via credit, debit, ATM or other methods, such as the wireless carrier or an internet provider.12-27-2012
20120330769ELECTRONIC TRANSACTION TECHNIQUES IMPLEMENTED OVER A COMPUTER NETWORK - Various techniques are disclosed herein for enabling and facilitating identification management and identity verification transactions conducted over computer networks. Some aspects disclosed herein are directed to secure techniques for enabling and facilitating electronic commerce and financial transactions conducted via one or more mobile devices. Other aspects disclosed herein are directed to secure techniques for enabling and facilitating identity verification and authentication transactions to be successfully and reliably performed via communications with a user's mobile device.12-27-2012
20100010905Transaction Data Capture Device and System - The present invention is directed to a device and system for capturing transaction data sent between a point of sale terminal and a peripheral device. The transaction data capture device includes an input for receiving transaction data sent from the point of sale terminal to a peripheral device during the course of a transaction with a customer and an output for transmitting the transaction data to the peripheral device. The transaction data capture device further includes a processor programmed to detect and save the transaction data received at the input and associate the transaction data with customer identity information identifying the customer. The transaction data capture device also includes a memory for storing the associated transaction data and customer identity and a network interface for routing the transaction data and associated identity information from memory over a data communications network.01-14-2010
20130013436MANAGEMENT SYSTEM AND METHOD FOR PERSONAL PER-CARD USE SUBACCOUNT TRANSACTION FINANCIAL MANAGEMENT - A computer system for processing purchase transaction payments with user oriented personal financial management support having a database with primary accounts each with a plurality of subaccounts each having a subaccount indicator and a user defined funding level, receiving a financial purchase transactions payment request for payment authorization of a financial purchase transaction payment associated with an activity of the user including a financial purchase transaction amount, the primary account number, and a user selected subaccount indicator, verifying the received financial purchase transaction amount is within the received funding level for the subaccount associated with the received user selected subaccount indicator contained within the received payment request in near real time; and transmitting a financial purchase transaction authorization in response in near real time to a positive verification that the received financial purchase transaction amount is within the funding level of the subaccount associated with the received subaccount indicator.01-10-2013
20130013435SYSTEM AND METHOD FOR PROGRAMMING POINT OF SALE DEVICES - A system for programming point of sale devices is provided. The system includes a terminal programming system that can program point of sale devices provided by different manufacturers and having different proprietary operating systems. A communications interface is connected to the terminal programming system that receives update requests from the plurality of point of sale devices, such as when the point of sale devices call in to the system or when the point of sale devices respond to a poll.01-10-2013
20130185167FINANCIAL TRANSACTION METHOD AND SYSTEM HAVING AN UPDATE MECHANISM - A payment device and method and system for using the payment device is described capable of utilizing a pre-authorized amount on existing infrastructure, including POS terminals or for using offline pre-paid products on this infrastructure. The updates for the pre-authorized or offline prepaid products can be sent by the issuer and applied by the card contemporaneously with the card's processing of the issuer authentication data but without requiring any additional bytes in the issuer authentication data. The updates performed by the issuer can be larger and more extensive than could be achieved by using any available space in the issuer authentication data.07-18-2013
20130185166CARDHOLDER MOBILE DEVICE POSITIONING SYSTEM AND METHOD - A method and system processes location data associated with a transaction in an electronic transaction processing system. The system comprises at least one point of sale terminal, such as a merchant terminal or ATM terminal, and at least one cardholder mobile terminal, each terminal being connected to a network and associated with a same electronic transaction. Data representative of the geographical location of the at least one point of sale terminal and data representative of the geographical location of the at least one cardholder mobile terminal is also obtained. The respective positional data of the terminals is compared, and an alert message is communicated over the network if the comparison indicates that the terminals are not located within a predetermined proximity to one another. The transaction can be authorised or rejected based on the position of the cardholder at the time to the transaction.07-18-2013
20130144740METHODS AND APPARATUS TO OBTAIN TRANSACTION CONFIRMATION - Methods and apparatus to obtain transaction confirmation are described. One example method includes emulating a payment method using a close-proximity communication device of a mobile device, establishing a close-proximity communication link with a close-proximity communications-equipped device using the close-proximity communication device of the mobile device, transferring payment information from the mobile device to the close-proximity communications-equipped device using the close-proximity communication device, subsequent to transferring the payment information, switching the close-proximity communication device of the mobile device to an information receiving communication mode, determining whether the close-proximity communication device is within proximity of the close-proximity communications-equipped device, and receiving a transaction confirmation at the close-proximity communication device of the mobile device from the close-proximity communications-equipped device when the close-proximity communication device is within proximity of the close-proximity communications-equipped device.06-06-2013
20130179281SYSTEM AND METHOD FOR OFFLINE STAND-IN OF FINANCIAL PAYMENT TRANSACTIONS - Methods, systems, and devices are disclosed for conducting offline transactions using mobile devices at a point of sale device while the point of sale device is disconnected from a network. The point of sale device may receive a mobile transaction code from a mobile device, the mobile transaction code associated with an offline transaction between the mobile device and the point of sale device. The point of sale device may compare the received mobile transaction code at the point of sale device to at least one stored offline stand-in transaction code in response to a determination that the point of sale device is disconnected from the network, determine that the offline transaction is preauthorized based on the comparison, and complete the off-line transaction based on the determination that the offline transaction is preauthorized07-11-2013
20130173407DUAL USE POINT OF SALE TERMINAL AND METHODS OF OPERATING SAME - A method of operating a merchant device includes the merchant device receiving an input from a customer mobile device concerning a financial transaction. The method further includes the merchant device selecting a payment transaction mode of operation when the input is a request for a payment card system transaction, or selecting a payment card purchase transaction mode of operation when the input from the customer mobile device is a payment card account number. In the payment transaction mode of operation the merchant device provides transaction data to the customer's mobile device, whereas in the payment card purchase transaction mode the merchant device transmits a payment card authorization request to an acquirer financial institution.07-04-2013
20120253958SYSTEM FOR GENERATING DIGITAL RECEIPTS - A digital receipt generator is placed between a point of sale terminal and a printer. The digital receipt generator receives receipt printing requests from the point of sale terminal, identifies the customer making the purchase, and transmits the receipt data to a printer, to a central server or to both.10-04-2012
20130091029SYSTEM, METHOD AND APPARATUS FOR CREATING PERSONALIZED PRODUCTS, GIFTS AND SOUVENIRS - The present invention relates to a system, method and computer-readable storage medium for online merchandising. The system comprises an online marketplace and/or a mobile marketplace and a mobile application. The online marketplace provides a marketplace for selling products created by a user. The mobile application is configured to be installed on a hand-held device and associate the user with the online marketplace. The mobile application receives an image from local storage on the hand-held device. The mobile application receives images of physical products for selection by the user. The mobile application provides an interface to superimpose the photo onto the product and receives gestures from the user manipulating the interface. The mobile application is also configured to provide an option to automatically publish the created product to the online marketplace.04-11-2013
20130097041ONLINE SHOPPING USING A CLOUD-BASED MOBILE WALLET - A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.04-18-2013
20130097040ONLINE PURCHASE FROM A MOBILE DEVICE USING A DEFAULT PAYMENT METHOD - A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.04-18-2013
20130097039Circulation Control Strategies For Tangible Media - Circulation control of tangible media materials may include transmitting an authorization request from a self-checkout station for a checkout transaction. A signal may be received at the self-checkout station indicative of a fault generated in response to the authorization request, and a handheld control device may be used to command assignment of a pseudo-identifier to the checkout transaction such that the article of tangible media can be released to circulation via the self-checkout station. Related hardware and control logic is also disclosed.04-18-2013
20130097038RESTAURANT SERVICE AND MANAGEMENT SYSTEM - The field of the invention relates to management systems including a hub, a set of clients, and a point of sale system, the management system operable to be controlled by management tool software. There is provided a management system, comprising a hub, a set of clients, and a point of sale system, the management system operable to be controlled by management tool software wherein the management tool software provides a user interface. The management system may be used as a table management system in restaurants.04-18-2013
20130097037BATTERY SELECTION AND FEEDBACK SYSTEM AND METHOD - A technique is provided for selection of a component for a vehicle, such as in a retail establishment. The technique is particularly suited for selection situations where a range of products may be available depending upon the particular vehicle, such as batteries, tires, and so forth. A series of displays are provided to users that may be accompanied by audio and/or video prompts and information. An image of the vehicle is displayed, as well as an image of recommended products, to enhance the confidence of the consumer in making the selection. Data related to use of the system interface may be collected to provide feedback to retail establishments, manufacturers, and others as to stock, order, manufacturing and other needs based upon customer information detected through use of the system.04-18-2013
20130103516Consular Kiosks and Methods - Embodiments of the invention provide a method of implementing electronic transfers with government consulates. The method may include receiving, via the interface terminal, a selection of a country's consulate and a location of the consulate comprising a city in which the consulate has an office. The method may also include receiving, via the interface terminal, a consulate service selection. The method may further include receiving, at an input device, documentation necessary to complete the selected service type. The method may moreover include receiving, via the interface terminal, a payment for the selected service. The method may additionally include transmitting the service type selection, the documents, and the payment to the selected consulate.04-25-2013
20130103518IN STORE MOBILE PAYMENT USING A DEFAULT PAYMENT METHOD - 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
20130103517USING A SECURE ELEMENT COUPLED TO A MOBILE DEVICE AS A POS TERMINAL FOR PROCESSING MAG STRIPE TRANSACTIONS - A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.04-25-2013
20130103515SCHEDULING AND PAYMENT OF A BANKING TRANSACTION USING A MOBILE COMMUNICATION DEVICE - A method for scheduling a banking transaction using a mobile communication device. The method includes creating a task on the mobile communication device to perform a banking transaction while the mobile communication device has no network connectivity, the mobile communication device actively monitoring for an available network to access. In response to identifying an available network to access, the mobile communication device automatically connects to the available network and uploads the task to a server to complete the banking transaction.04-25-2013
20130124350MONEY TRANSFER SYSTEMS AND METHODS - The present invention provides systems and methods of facilitating money transfers. The method includes receiving, at a money transfer system, access to a customer's account, establishing, at the money transfer system, a money transfer record including a recipient and an amount, and receiving, at the money transfer system, an identifier for the money transfer record. The method further includes receiving presentation of the identifier at an input device of the money transfer system and authorizing a money transfer associated with the money transfer record.05-16-2013
20130124349METHODS, SYSTEMS, AND COMPUTER READABLE MEDIA FOR PROVISIONING AND UTILIZING AN AGGREGATED SOFT CARD ON A MOBILE DEVICE - Methods, systems, and computer readable media for utilizing and provisioning an aggregated soft card are disclosed. In one embodiment, the method includes receiving a request for an aggregated soft card from a mobile device, wherein the aggregated soft card includes a primary component soft card and at least one secondary component soft card. The method also includes requesting component soft card data associated with each of the primary component soft card and the at least one secondary component soft card from a plurality of issuing system servers. The method further includes generating aggregated soft card data by establishing a link among the component soft card data received from the plurality of issuing system servers and sending the aggregated soft card data to the mobile device.05-16-2013
20130124351USING AN NFC ENABLED MOBILE DEVICE AS A POS 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.05-16-2013
20130132219USING A MOBILE WALLET INFRASTRUCTURE TO SUPPORT MULTIPLE MOBILE WALLET PROVIDERS - Embodiments are directed to performing a transaction using a third party mobile wallet, performing a transaction using a third party point of sale (POS) system and to making a purchase from a third party mobile wallet provided by a third party mobile wallet provider. In one scenario, a cloud-based transaction platform is provided, which receives communication from an agent terminal over a communication channel connected to the cloud-based transaction platform. The agent communication indicates that a customer desires to perform a mobile wallet transaction using their third party mobile wallet. The cloud-based transaction platform sends the agent communication to a third party mobile wallet platform, receives communication from the third party mobile wallet platform confirming processing of the transaction, and sends communication to the agent terminal over a communication channel connected to the cloud-based transaction platform, where the communication indicates confirmation of the processing of the transaction.05-23-2013
20130132218POS INTERFACE (IF) EMULATOR - A point of sale interface (POS IF) emulator system includes a payment data processing-verification device that processes payment information in accordance with POS device information, emulates a POS input operation, and inputs the processed payment information to a POS device through a keyboard interface; the payment information being created from payment information extracted from shopping information and payment information acquired from user registration information, the shopping information being created by a mobile phone by acquiring item information from an item tag for an item and by performing the acquisition one or more times; wherein payment is made at the POS device corresponding to the POS device information.05-23-2013
20130144738Gifting and Sharing Using SMS Messages for Shared Coupon/Gift-Card Auto-Redemption and Multi-Source Payment from Buyer's Mobile Phone - A giving customer sends to a Short Message Service (SMS) gifting system a SMS text message with a gift amount, mobile phone number, and personal message for a receiving customer. The SMS gifting system authorizes payment for gifts by sending a SMS text message or secure hypertext transfer protocol (HTTPS) request to the giving customer's mobile phone or mobile device requiring customer to respond by SMS or HTTPS. When the giving customer replies to the SMS message with an approval code such as a Personal-Identification-Number (PIN), the SMS gifting system uses a queue of payment sources for the giving customer to create transaction requests to a bank authorization network. When the SMS gifting system receives authorization, it completes the gift transaction by sending a SMS message to the receiving user's mobile phone. Deals and vouchers may be shared among sub-users in a grouped account.06-06-2013
20130144739DYNAMIC CURRENCY CONVERSION SYSTEM AND METHOD - A system for dynamic currency conversion is provided. The system includes a bank identifier system determining whether currency conversion is available for a card-issuing bank of a presented card, such as by comparing a bank identifier from the card with a list or table of participating banks. An exchange rate system determines whether an exchange rate has expired, such as an exchange rate associated with the foreign currency of the card-issuing bank. The card holder is presented with an option for selecting a foreign currency transaction after it is determined that currency conversion is available for the card-issuing bank and that the exchange rate has not expired, such that the card holder does not need to see such information unless foreign currency processing is available.06-06-2013
20130144741MANAGING CONSISTENT INTERFACES FOR MERCHANDISING BUSINESS OBJECTS ACROSS HETEROGENEOUS SYSTEMS - A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by providing consistent interfaces that are suitable for use across industries, across businesses, and across different departments within a business during a business transaction. In some operations, software creates, updates, or otherwise processes information related to merchandise and point-of-sale transaction business objects.06-06-2013
20080208698Point of sale video server processing system - This invention provides a system and a method for low cost video surveillance and archiving which is synchronized with point of sale (POS) transactions. There is no local storage of video at the POS. There is high speed transmission of the video out of the stores to central servers. All back office applications are browser based. The system provides for inherent video compression due to hardware and software involved with the video capture. Management can watch present or past store activity anywhere anytime via web browsers. Video records are indexed and retrieved from server memory along with corresponding transaction information.08-28-2008
20130151360Digital Wallet Loading - Methods and systems are provided for loading money from a gift card into a digital wallet. The transfer can be done at a point of sale (POS), such as during a purchase of the gift card. The digital wallet can be a digital wallet of a user who is purchasing the gift card. The money in the digital wallet can be used to purchase products from the same merchant or another merchant. The money can be transferred from the digital wallet to any other person or entity.06-13-2013
20130159120POINT OF SALE DATA SYSTEMS AND METHODS - Point of sale (POS) data systems, methods, and apparatuses are provided. A POS data system (06-20-2013
20130191233SYSTEMS AND METHODS FOR MANAGING ACCESS TO BENEFITS ASSOCIATED WITH PRODUCTS - Systems and methods for managing access to electronic products are described. In an embodiment, a system implemented method includes receiving, from a source, a first code associated with an item; receiving, from another source, another first code and a second code associated with the item; evaluating the first code with the another first code; associating the second code with the first code based on a result from the evaluating; identifying an access key, and transmitting the access key to the second source, the access key is for accessing one or more rights associated with the item.07-25-2013
20120290421Enabling a Merchant's Storefront POS (Point of Sale) System to Accept a Payment Transaction Verified by SMS Messaging with Buyer's Mobile Phone - A mobile payment system authorizes payment by sending a Short Message Service (SMS) text message or secure hypertext transfer protocol (HTTPS) request to a customer's mobile phone or mobile device requiring customer to respond by SMS or HTTPS. A SMS payment software-plugin is installed on a Point-Of-Sale (POS) terminal. When a customer requests to pay by SMS, the plugin is activated and the customer's mobile phone number and zip code or POS PIN are entered on the POS terminal. The POS terminal sends a request to a SMS payment system, which sends the SMS text message to the customer's mobile device. When the customer replies to the SMS message with an approval code, the SMS payment system uses payment information for the customer to create a transaction request to a bank authorization network. When the SMS payment system receives authorization, it notifies the POS terminal to complete the purchase transaction11-15-2012
20130198020TRANSACTION METHOD AND SYSTEM - The present invention relates to a method of authenticating identity of an individual and performing a related action, the individual having a portable electronic device including identification information and a portable electronic device communication device, the portable electronic device adapted to communicate with an authentication device comprising identification information relating to authorised individuals, the method comprising the steps of: the authentication device generating an identification request for identification of the individual, the portable electronic device requesting reception of the identification request from the authentication device, transmitting the identification request from the authentication device to the portable electronic device, generating an identification response and transmitting the identification response from the portable electronic device to the authentication device, the authentication device receiving the identification response and relating the identification information in the identification response to the identification information relating to authorised individuals, establishing if the user is an authorised individual, provided the user is an authorised individual performing a related action.08-01-2013
20130204727SYSTEM AND METHOD FOR ISSUING DIGITAL RECEIPTS FOR PURCHASE TRANSACTIONS OVER A NETWORK - A system and method for providing digital receipts for purchase transactions are provided. The method includes the steps receiving information for a first credit card account for executing a transaction; retrieving a first customer record from a database using information from the first credit card account; charging an amount of the transaction to the first credit card account; and transmitting a receipt to a predetermined location of the customer. The predetermined location may be an e-mail address of the customer or a server residing on the network. By receiving digital receipts, a customer or end-user will be able to digitally store these receipts and view or print the receipts out when necessary. Furthermore, the customer will be able to manage the receipts with conventional software packages.08-08-2013
20130204726SYSTEMS AND METHODS FOR MANAGING CONSUMER TRANSACTION-BASED INVESTMENTS - The field of the invention relates to systems and methods for controlling investment funds, and more particularly to systems and methods for real-time projections based on consumer transactions. In one embodiment, an investment fund management system may include a consumer communication device configured to create a payment gateway with a Point of Sales (POS) terminal. The system further includes a portfolio server accessible over a data network. The consumer communication device is configured to execute a process including the steps of intercepting a transaction through the payment gateway; computing an expected return based on the investment of a transaction amount from said transaction; and providing the expected return to the consumer communication device.08-08-2013

Patent applications in class Interconnection or interaction of plural electronic cash registers (ECRs) or to host computer (e.g., network detail, transfer of information from host to ECR or from ECR to ECR, etc.)