Entries |
Document | Title | Date |
20080208698 | Point 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 |
20080208699 | SALES-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 |
20080255955 | Weight 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 |
20080262936 | Method 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 |
20080306829 | METHOD 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 |
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 |
20090037286 | Restaurant 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 |
20090055281 | Processing 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 |
20090076923 | Secure 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 |
20090094128 | Multi-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 |
20090144166 | Control 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 |
20090150249 | ENHANCED 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 |
20090157520 | SYSTEM 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 |
20090171800 | SYSTEMS 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 |
20090177552 | Pre-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 |
20090182641 | FINANCIAL 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 |
20090198583 | Method 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 |
20090204504 | METHOD 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 |
20090222354 | ENROLLMENT 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 |
20090265249 | SYSTEMS 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 |
20090265250 | SYSTEMS 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 |
20090271277 | SYSTEMS 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 |
20090271278 | SYSTEMS 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 |
20090287579 | SYSTEMS, 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 |
20090287580 | METHOD 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 |
20090292615 | INTEGRATED 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 |
20090299866 | Detecting 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 |
20090313132 | HANDLING 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 |
20090327086 | Non-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 |
20090327087 | SYSTEMS, 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 |
20090327088 | System 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 |
20090327089 | MOBILE 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 |
20100010904 | Immediate 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 |
20100010905 | Transaction 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 |
20100010906 | Point 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 |
20100030652 | Hosting 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 |
20100036742 | ELECTRONIC 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 |
20100036743 | TRANSACTION 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 |
20100042506 | SYSTEM 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 |
20100049616 | SYSTEM 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 |
20100049617 | Inserting 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 |
20100063889 | VISUAL 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 |
20100070376 | SYSTEMS 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 |
20100082445 | Smart 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 |
20100106609 | INVENTORY 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 |
20100114723 | METHOD 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 |
20100121726 | SYSTEM 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 |
20100138309 | MONEY 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 |
20100145813 | SYSTEM 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 |
20100153224 | Methods 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 |
20100169182 | MOBILE 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 |
20100174614 | SYSTEM 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 |
20100191607 | ORDER 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 |
20100211471 | COMMODITY 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 |
20100217677 | METHOD 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 |
20100228639 | Systems 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 |
20100241519 | SYSTEMS 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 |
20100241520 | SYSTEMS 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 |
20100241521 | SYSTEMS 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 |
20100250380 | Fault 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 |
20100250381 | METHOD 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 |
20100274679 | FRAUD 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 |
20100280911 | SYSTEM 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 |
20100306072 | INSTANT 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 |
20100325003 | INTEGRATED 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 |
20110016008 | Electronic 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 |
20110040641 | Apparatus and Method for POS Processing - An apparatus and method for configuring, altering, controlling, securing, and extending the processing capability and functionality of PCs and POS devices using a non-volatile memory device using software and data carried within the apparatus. | 02-17-2011 |
20110071914 | Method 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 |
20110078033 | Methods 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 |
20110078034 | Apparatus 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 |
20110119142 | SYSTEM 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 |
20110145080 | Anonymous 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 |
20110145081 | METHODS 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 |
20110153441 | Systems 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 |
20110153442 | Apparatus 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 |
20110178886 | System 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 |
20110178887 | System 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 |
20110202417 | INTEGRATED 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 |
20110208603 | CUSTOMER 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 |
20110225059 | POS 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 |
20110231271 | METHOD 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 |
20110231272 | Retail 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 |
20110238514 | Transaction 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 |
20110276421 | Method, 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 |
20120047036 | TRANSACTION 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 |
20120078738 | Electronic 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 |
20120078739 | Electronic 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 |
20120084164 | ACCUMULATION 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 |
20120123884 | Store 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 |
20120123885 | ACTIVATING 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 |
20120130833 | Electronically 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 |
20120136736 | PLATFORM 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 |
20120166296 | SYSTEMS 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 |
20120185344 | METHOD 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 |
20120191557 | PAYING 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 |
20120197745 | SCHEDULING 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 |
20120203646 | SYSTEMS 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 |
20120209733 | UNIFIED 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 |
20120215649 | SYSTEM 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 |
20120233007 | System 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 |
20120253958 | SYSTEM 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 |
20120259719 | Point 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 |
20120265626 | SYSTEM, 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 |
20120265627 | SYSTEM 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 |
20120271725 | Electronic 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 |
20120278190 | SHELF 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 |
20120290421 | Enabling 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 transaction | 11-15-2012 |
20120290422 | SEAMLESSLY 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 |
20120316977 | COMMODITY 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 |
20120330767 | SYSTEM 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 |
20120330768 | REVERSE 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 |
20120330769 | ELECTRONIC 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 |
20130006786 | IMAGE PROCESSING APPARATUS, METHOD, AND STORAGE MEDIUM - An image processing apparatus that charges a user for executing a predetermined image process holds charging information in a storage device, charges a user for executing the predetermined image process based on charging information held in the storage device. When the charging information held in the storage device is updated, the image processing apparatus determines whether to permit the update of the charging information based on an operated state of the image processing apparatus by the user, and according to the result of determination, the image processing apparatus is controlled so that the charging information is updated if the update of the charging information is permitted, and is controlled so that the charging information is not updated if the update of the charging information is not permitted. | 01-03-2013 |
20130013435 | SYSTEM 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 |
20130013436 | MANAGEMENT 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 |
20130018742 | NFC 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 |
20130036019 | Transaction 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 |
20130041770 | PERSISTENT 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 |
20130054394 | METHOD AND SYSTEM FOR DISTRIBUTING DIGITAL MEDIA CONTENT - A method and system for distributing digital content to customers at a plurality of points of transaction that allows each content provider to use its own method of digital rights management. A master digital catalog is used to load product data from a plurality of different content providers. The catalog contents are provided to retailers and other points of transaction. A digital activation broker processes customer orders from the points of transaction and provides information that allows the customer access to the content. The content may be provided by the digital activation broker or through a third-party website. In some embodiments, a payment processor is used to process payments submitted by the customers. The digital activation broker may also void transactions and look up lost authorization codes. | 02-28-2013 |
20130054395 | METHODS AND SYSTEMS FOR SELF-SERVICE CHECKOUT - In an embodiment, a self-service checkout computer receives checkout data from a mobile device of a consumer. The checkout data includes merchant identity data, transaction details and payment account data. The transaction details and the payment account data are transmitted to a merchant server or a gateway server for purchase transaction authorization. If the purchase is authorized, the self-service checkout computer transmits a purchase transaction authorization message to the consumer's mobile device for display on a display screen. In some embodiments, if a transaction declined notification is received instead of a purchase transaction authorization, the self-service checkout computer transmits the transaction declined notification to the consumer's mobile device for display. | 02-28-2013 |
20130054396 | APPARATUS AND METHOD FOR COLLECTING AND MANIPULATING TRANSACTION DATA - Described herein are apparatus and methods for collecting and manipulating transaction data. For example, presented herein is an apparatus including: a first I/O port; a second I/O port of a same type as the first I/O port, wherein the second I/O port is connected to the first I/O port such that data passed into the first I/O port is allowed to pass through the apparatus to the second I/O port unimpeded in at least a first operating mode; a processor; and a non-transitory computer readable medium storing instructions thereon wherein the instructions, when executed, cause the processor to: collect information passed from a first computing device connected to the first I/O port to a second computing device connected to the second I/O port, identify, from the information, transaction data; and provide, to a third computing device, the transaction data. | 02-28-2013 |
20130066735 | System 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 |
20130073406 | PORTABLE 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 |
20130073407 | METHOD, 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 |
20130080275 | Transaction 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 |
20130080276 | SYSTEMS, 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 |
20130085877 | INTERMEDIARY-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 |
20130091029 | SYSTEM, 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 |
20130097037 | BATTERY 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 |
20130097038 | RESTAURANT 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 |
20130097039 | Circulation 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 |
20130097040 | ONLINE 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 |
20130097041 | ONLINE 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 |
20130103515 | SCHEDULING 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 |
20130103516 | Consular 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 |
20130103517 | USING 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 |
20130103518 | IN 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 |
20130124349 | METHODS, 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 |
20130124350 | MONEY 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 |
20130124351 | USING 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 |
20130132218 | POS 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 |
20130132219 | USING 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 |
20130144737 | Point-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 |
20130144738 | Gifting 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 |
20130144739 | DYNAMIC 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 |
20130144740 | METHODS 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 |
20130144741 | MANAGING 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 |
20130151360 | Digital 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 |
20130159119 | CARDLESS 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 |
20130159120 | POINT OF SALE DATA SYSTEMS AND METHODS - Point of sale (POS) data systems, methods, and apparatuses are provided. A POS data system ( | 06-20-2013 |
20130166402 | METHODS 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 |
20130173406 | PERSONAL 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 |
20130173407 | DUAL 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 |
20130179281 | SYSTEM 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 preauthorized | 07-11-2013 |
20130185166 | CARDHOLDER 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 |
20130185167 | FINANCIAL 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 |
20130191233 | SYSTEMS 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 |
20130198020 | TRANSACTION 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 |
20130204726 | SYSTEMS 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 |
20130204727 | SYSTEM 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 |
20130211938 | RETAIL 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 |
20130218697 | SERVICE 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 |
20130218698 | Method 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 |
20130226721 | METHOD AND APPARATUS ENABLING IMPROVED PROTECTION OF CONSUMER INFORMATION IN ELECTRONIC TRANSACTIONS - According to a commercial method of the present invention, a merchant forwards transaction data to a consumer. If the consumer accepts the transaction, a payment command is forwarded to a service provider. The service provider selectively applies authentication before approving payment. Once payment is approved, the service provider forwards a payment instruction, including consumer account information, to a payment service. The payment service forwards payment to the merchant and a payment confirmation is returned to the service provider and, through the service provider, to the consumer. The service provider stores information about each transaction performed by each subscriber. Consumer identity is protected because it is only exchanged between the service provider and the payment service, and is not made available to the merchant. In addition, the storage of the transaction information by various devices facilitates the return process and adds marketing capability to the service provider. | 08-29-2013 |
20130226722 | SWITCHABLE ACCESS DEVICE AND METHODS - A switchable POS device that can be used to process transactions for multiple merchants. The POS device can be temporarily reconfigured to process transactions for a merchant different from the merchant with whom the POS device is linked. After processing the transaction, the POS device reverts back to processing transactions for its linked merchant. | 08-29-2013 |
20130238455 | METHODS AND SYSTEMS FOR SELECTING ACCOUNTS AND OFFERS IN PAYMENT TRANSACTIONS - Embodiments provide systems, methods, processes, computer program code and means for using mobile devices to conduct payment transactions at merchant locations including brick and mortar locations and remote locations as well as for person to person transactions. | 09-12-2013 |
20130238456 | SYSTEMS, METHODS, AND COMPUTER READABLE MEDIA FOR CONDUCTING AN ELECTRONIC TRANSACTION VIA A BACKEND SERVER SYSTEM - A method for conducting an electronic transaction with a backend server system includes interfacing a mobile device with a touch point to wirelessly obtain a backend server system address and an identification code. The touch point is associated with an electronic transaction terminal device to be utilized by a user of the mobile device to conduct an electronic transaction. Communication is established between the mobile device and the backend server system. The identification code and a mobile device identifier associated with the mobile device are received. It is determined whether one or more electronic certificates associated with the mobile device identifier are applicable for use in the electronic transaction. The identification code is used to provide at least one of the applicable electronic certificates to the terminal device and applying the at least one applicable electronic certificate to the electronic transaction. | 09-12-2013 |
20130238457 | Remote Payment System and Method - The present invention relates to a remote payment system ( | 09-12-2013 |
20130246203 | PAYMENT PROCESSING METHODS AND SYSTEMS - Systems, methods and apparatus for conducting payment transactions are provided. Pursuant to some embodiments, the payment transactions may be conducted between a consumer operating a mobile device and a merchant. | 09-19-2013 |
20130254051 | APPARATUS FOR ISSUING RECEIPTS AND USER TERMINAL USING THE RECEIPTS - There are disclosed a receipt issuing apparatus, a user terminal, a receipt issue system, and a method using smart receipts. The receipt issuing apparatus can include an issue unit configured to receive settlement information, configure a smart receipt based on the settlement information, and issue the configured smart receipt and a receipt transmission unit configured to send the issued smart receipt to a user terminal using short range wireless communication, wherein the smart receipt comprises at least one of information on a place of business, the settlement information, information on a transaction article, discount information, and an image of user signing. | 09-26-2013 |
20130254052 | Systems and Methods for Facilitating Payments Via a Peer-to-Peer Protocol - This disclosure describes systems and methods related to facilitating payments via a peer-to-peer protocol. Tokenized information associated with a payment transaction may be obtained. Establishment of a peer-to-peer communications session with a payment recipient device may be facilitated. The tokenized information to the recipient device via the established peer-to-peer communications session may be communicated in order to facilitate completion of the payment transaction. | 09-26-2013 |
20130254053 | SYSTEM AND METHOD FOR COMPLETING A TRANSACTION WITH A PAYMENT TERMINAL - A method of completing a transaction with a payment terminal involves the payment terminal transmitting to a network gateway via a first communications network a transaction proposal identifying a proposed transaction with a network device, and receiving from the network gateway a transaction proposal response in response to the transaction proposal. The transaction proposal response specifies a pointer to the proposed transaction. The network gateway is configured to authenticate to the network device via a second communications network that comprises the network device. The payment terminal transmits over a payment network, distinct from the communications networks, payment particulars for the proposed transaction, and receives from the payment network a payment confirmation in response to the payment particulars. In accordance with the payment confirmation, the payment terminal initiates completion of the proposed transaction by generating a transaction completion request and transmitting the transaction completion request to the network device via the network gateway. The transaction completion request is generated from the transaction pointer, and requests completion of the proposed transaction with the network device. | 09-26-2013 |
20130254054 | CONSUMER DUE DILIGENCE FOR MONEY TRANSFER SYSTEMS AND METHODS - A method of transferring money from a sender to a recipient using a third party money transfer service a point of sale device receiving transaction details for a requested money transfer; determining whether the requested transaction is an allowable transaction; and either aborting the transaction; attempting to identify the sender as an existing customer using the transaction details; using the sender's transaction history and the transaction details to determine whether to allow the requested transaction to proceed. If the requested transaction is allowed to proceed, the method includes creating a money transfer record for the requested transaction; associating a money transfer control number to the money transfer record; and using the transaction details to determine whether to monitor the requested transaction. | 09-26-2013 |
20130262249 | Redemption Network with Transaction Sequencer - A transaction sequencer that comprises a processor, a non-transitory memory, and an application stored in the non-transitory memory. The application receives a message comprising information about a first purchase item, wherein the message was created by a point-of-sale after a filtering step that assured that the first purchase item is associated with a master approved item list, searches a plurality of different approved product lists using the information about the first item, wherein the plurality of different approved product lists comprise a first approved product list and a second approved product list, creates a first transaction based on finding the first item in the first approved product list, transmits the first transaction to a first transaction processing system, receives a first response from the first transaction processing system, bundles the first response in a unified response, and transmits the unified response. | 10-03-2013 |
20130268380 | METHOD FOR ACCESSING POINT-OF-SALE TRANSACTION INFORMATION OVER A NETWORK - A system for capturing and storing customer transaction information includes a point-of-sale device for capturing information about items purchased by the customer, a dispenser for notifying the customer of an code identifying the transaction and a network address where the customer can go to view the transaction information, and a device connected over a network to the point-of-sale device for storing the customer transaction information. The customer uses the identifying code and the network address to access their transaction information without having to authenticate with the device associated with the network address, and the transaction information does not include any customer specific information. | 10-10-2013 |
20130268381 | PAYMENT SYSTEM AND METHODS - Disclosed are payment system and methods. | 10-10-2013 |
20130275238 | Processing Online Transactions - Disclosed are systems and methods for managing transactions in which an order is specified online and payment is received at a point of sale (POS). Methods are disclosed for managing payment for such transactions at a POS, including transactions involving payment for both in-store purchases and online orders. Methods are also disclosed for managing inventory and price changes for such transactions where payment can occur at any time in a pay period following order creation. Also disclosed are methods for processing refunds for online orders for which payment was made at a POS. Finally, methods for preventing fraud and abuse as well as restricting the availability of this payment method for certain items are disclosed. | 10-17-2013 |
20130275239 | Processing Online Transactions - Disclosed are systems and methods for managing transactions in which an order is specified online and payment is received at a point of sale (POS). Methods are disclosed for managing payment for such transactions at a POS, including transactions involving payment for both in-store purchases and online orders. Methods are also disclosed for managing inventory and price changes for such transactions where payment can occur at any time in a pay period following order creation. Also disclosed are methods for processing refunds for online orders for which payment was made at a POS. Finally, methods for preventing fraud and abuse as well as restricting the availability of this payment method for certain items are disclosed. | 10-17-2013 |
20130275240 | Processing Online Transactions - Disclosed are systems and methods for managing transactions in which an order is specified online and payment is received at a point of sale (POS). Methods are disclosed for managing payment for such transactions at a POS, including transactions involving payment for both in-store purchases and online orders. Methods are also disclosed for managing inventory and price changes for such transactions where payment can occur at any time in a pay period following order creation. Also disclosed are methods for processing refunds for online orders for which payment was made at a POS. Finally, methods for preventing fraud and abuse as well as restricting the availability of this payment method for certain items are disclosed. | 10-17-2013 |
20130275241 | Processing Online Transactions - Disclosed are systems and methods for managing transactions in which an order is specified online and payment is received at a point of sale (POS). Methods are disclosed for managing payment for such transactions at a POS, including transactions involving payment for both in-store purchases and online orders. Methods are also disclosed for managing inventory and price changes for such transactions where payment can occur at any time in a pay period following order creation. Also disclosed are methods for processing refunds for online orders for which payment was made at a POS. Finally, methods for preventing fraud and abuse as well as restricting the availability of this payment method for certain items are disclosed. | 10-17-2013 |
20130275242 | Processing Online Transactions - Disclosed are systems and methods for managing transactions in which an order is specified online and payment is received at a point of sale (POS). Methods are disclosed for managing payment for such transactions at a POS, including transactions involving payment for both in-store purchases and online orders. Methods are also disclosed for managing inventory and price changes for such transactions where payment can occur at any time in a pay period following order creation. Also disclosed are methods for processing refunds for online orders for which payment was made at a POS. Finally, methods for preventing fraud and abuse as well as restricting the availability of this payment method for certain items are disclosed. | 10-17-2013 |
20130275243 | PROCESSING ONLINE TRANSACTIONS - Disclosed are systems and methods for managing transactions in which an order is specified online and payment is received at a point of sale (POS). Methods are disclosed for managing payment for such transactions at a POS, including transactions involving payment for both in-store purchases and online orders. Methods are also disclosed for managing inventory and price changes for such transactions where payment can occur at any time in a pay period following order creation. Also disclosed are methods for processing refunds for online orders for which payment was made at a POS. Finally, methods for preventing fraud and abuse as well as restricting the availability of this payment method for certain items are disclosed. | 10-17-2013 |
20130275244 | INTEGRATED 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. | 10-17-2013 |
20130275245 | AGGREGATION OF VALIDATED TRANSACTIONS FOR SETTLEMENT - At each of a plurality of merchant Point Of Service terminals (POS), for each of a plurality of consumers, where each consumer seeks to conduct a transaction with the merchant for a good or service by using a payment device issued by an issuer in a payment system, data is read from the payment device. The data can include an identifier for an account issued by an issuer. The consumer is permitted to receive the good or service from the merchant prior to validating the account with the issuer. Transaction information for each transaction is stored during a predetermined aggregation criteria, such as time period, number of transactions, monetary volume, etc., into an aggregation set of said transactions. During the predetermined aggregation criteria, an evaluation is made, by communication with the corresponding issuer, whether the accounts in the aggregation set of transactions are valid. | 10-17-2013 |
20130282502 | PROCESSING PAYMENT TRANSACTIONS WITHOUT A SECURE ELEMENT - A user conducts a wireless payment transaction with a merchant system by transmitting payment information from a user device to a terminal reader without accessing a secure element resident on the user device. A user taps a user device in a merchant system's terminal reader's radio frequency field. The terminal reader and the user device establish a communication channel and the terminal reader transmits a signal comprising a request for a payment processing response. The signal is received by the user device and converted by a controller to a request understandable by an application host processor. The controller transmits the request to the application host processor, where the request is processed, and a response is transmitted to the controller and then to the terminal reader. The response generated by the application host processor is identifiable by the merchant system as a payment response. | 10-24-2013 |
20130282503 | Ink Billing System with Changeable Billing Rate Table - An ink billing system is used between a client company X | 10-24-2013 |
20130290121 | REAL-TIME PAYMENT AUTHORIZATION - Novel features to be used in a proxy card payment system include a real-time request to override a declined transaction or to select a different financial account and the insertion of user identification information into the transaction approval message sent to the merchant. A payment request is forwarded to the payment system, which maintains the proxy card account and determines whether the transaction violates a user-defined rule. If the transaction is declined by the issuer that maintains the financial account, or the payment system for violation of a user-defined rule, the payment system sends a real-time message to the user. The user is prompted to override the rule causing the transaction to be declined or to select a new account to process the transaction. Once the payment system receives authorization for the transaction, it inserts the user identification information in an approval message before transmitting the approval to the merchant. | 10-31-2013 |
20130297434 | SERVICE PLAN PRODUCT AND ASSOCIATED SYSTEM AND METHOD - A service plan product providing a tangible representation of a service plan includes a support backer and a tag removably coupled with the backer. The tag includes service plan account identification means corresponding to a service plan account stored in a database and plan administrator contact indicia. The tag is configured to be removed from the backer and applied to a primary product for which the service plan is provided, and wherein only the service plan account identification means is required for the service plan administrator to access the database to identify details regarding the service plan account. Related systems and methods are also disclosed and provide additional advantages. | 11-07-2013 |
20130317925 | Transaction Auto Synchronization - A system according to an embodiment comprises one or more processors; and one or more memories adapted to store a plurality of machine-readable instructions which when executed by the processor(s) are adapted to cause the system to: receive online search information in connection with one or more desired items from a user device of a user, wherein the user device includes an application loaded in the user device from a server at a remote location; auto-synchronize the online search information to a mobile device of the user; and send an alert via the mobile device when the mobile device is in a proximity of a point of sale location of the one or more desired items associated with the online search information. | 11-28-2013 |
20130317926 | SYSTEM AND METHOD FOR COMMUNICATING PURCHASES RELATED TO A GIFT CARD CREDIT - A method and system are provided for communicating digitized data associated with a purchase made by expenditure of a monetary credit account, such as a gift card account. The digitized data may be or comprise audio, photographic or video data. A gift card may be provided that relates to a monetary credit account that may specify an expendable monetary value, a benefactor who initiated the account, and a beneficiary who may use the monetary card. The gift card may record of at least part of the monetary credit account. The system may enable the generation of an electronic message that includes digitized data representing a purchased item and the message may be communicated to a photo-sharing webservice and/or an address associated with the benefactor. The digitized data may be a photograph, icon or a graphic image and the purchased item may be a service, good, license, lease, rent, or permission. | 11-28-2013 |
20130317927 | SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR PROVIDING A CONTACTLESS PROTOCOL - Systems, methods and computer program products are provided for managing contactless transactions. A first tap is performed when a system is placed within a predetermined proximity to a payment terminal. A first select command including an AID corresponding to a first application is received from the payment terminal. A first response based on the first select command is transmitted to the payment terminal. A data request including information indicating supported data types is received from the payment terminal. A second response based on the data request and including transaction data is transmitted to the payment terminal. The transaction data includes at least a portion of commerce data stored in the at least one memory. | 11-28-2013 |
20130317928 | METHODS AND SYSTEMS FOR WALLET ENROLLMENT - Embodiments of the present invention relate to systems, methods, processes, computer program code, and means for creating digital wallets for users. In some embodiments, digital wallets are created, at least in part, on information obtained from payment transactions conducted by users. | 11-28-2013 |
20130325642 | IN-LANE MONEY TRANSFER SYSTEMS AND METHODS - The present invention provides systems and methods to initiate, facilitate, process and/or perform money transfers. One such method includes receiving a request for a transfer pair verification from a vendor location ( | 12-05-2013 |
20130332294 | Pregame electronic commerce integrator - The PreGame payment system is provided to optimize throughput capacity for retail establishment, such as restaurants, bars, grocery stores, or the like, by providing a secure and speedy method of accumulating and paying expenses on a tab maintained with the retail establishment. The PreGame system provides the everyday patron the opportunity to open, track, and close their own tabs with each retailer via their handheld or mobile device, eliminating any physical monetary exchanges or credit card exchanges between the retail staff person and the patron. | 12-12-2013 |
20130332295 | POS SYSTEM - Provided is a POS system, including a terminal ( | 12-12-2013 |
20130339167 | Payment Processing For Qualified Transaction Items - Systems, methods, and apparatuses for providing a portable consumer device (e.g., a plastic card) that includes a coupon code and an account number (e.g., embedded on a magnetic stripe or a chip) where the portable consumer device is configured to apply a coupon to goods and services purchased at a merchant (e.g., store). Upon identifying the goods and services under a particular category specified by the coupon code (e.g., healthy food category), a user may pay for a predetermined portion (e.g., 50%) of the goods and services under the particular category using the portable consumer device. The user may pay for the remaining portion using a benefits card (e.g., state benefits card). As such, by allowing the user to pay for the predetermined portion using the portable consumer device, the user has incentive to purchase goods and services that fall under the particular category. | 12-19-2013 |
20130346224 | TRANSACTION AUTHENTICATION WITH A NON-MSISDN ID AND AUTHORIZATION BY COMMUNICATING WITH A CONSUMER DEVICE - A computer-based method of managing electronic transactions is described. A plurality of consumer accounts is stored in a data store, each consumer account having a first consumer account identifier. A second consumer account identifier is received in a point-of-sale device. A charge request including an amount and a second consumer account identifier is received, wherein the second consumer account identifier is not an MSISDN. A selected one of the consumer accounts is identified by associating one of the first consumer account identifiers with the second consumer account identifier. An authorization request is transmitted to a consumer device. A response to the authorization request is received from the consumer device, and the charge request is processed based on an account detail of the selected consumer account, wherein the charge request is processed if the response is the authorization response. | 12-26-2013 |
20140006194 | Method and apparatus for settling payments using mobile devices | 01-02-2014 |
20140006195 | CHECKOUT SYSTEM AND METHOD | 01-02-2014 |
20140006196 | METHOD AND SYSTEM FOR DYNAMIC FUNDING | 01-02-2014 |
20140012690 | Systems and Methods for Facilitating Cash-Based Transactions - Disclosed herein are systems and method for facilitating transactions between a merchant-partner and an end-user (e.g., a customer of the merchant-partner). More specifically, presented herein are pricing systems and methods for establishing and staging transactions between a point-of-sale terminal, one or more merchant-partners, and a service provider. | 01-09-2014 |
20140012691 | TRANSACTION MONITORING AND SAVINGS FEATURE - Systems and methods for monitoring categorized spending limits and promoting savings are provided herein. The systems and methods, identify transactions associated with a spending category that occur during a period of time based on the transaction data, where the spending category comprises a spend limit; provide a confirmation prompt on a display of a mobile device of a user that is in communication with the system; and deduct a transaction amount for each of the transactions from the spend limit in response to receiving a confirmation from the user. | 01-09-2014 |
20140012692 | SYSTEM AND METHOD OF A PASSPHRASE ACCOUNT IDENTIFIER FOR USE IN A NETWORK ENVIRONMENT - A system and method for facilitating a financial transaction over a network including use of a passphrase account identifier is described herein. In one embodiment, a system for facilitating a financial transaction over a network comprises a communication interface; and a payment provider system configured to receive via the communication interface a passphrase account identifier from a merchant system, match the passphrase account identifier to a corresponding funding instrument number of a corresponding funding instrument, communicated the corresponding funding instrument number to an issuer system, receive from the issuer system a notification indication of one of acceptance of the funding instrument or decline of the funding instrument, and communicate back to the merchant system the notification indication. | 01-09-2014 |
20140019274 | MOBILE POINT-OF-SALE (POS) TECHNIQUES - Mobile POS techniques are presented. A POS interface is configured and distributed to a mobile device over a network connection. The POS interface is a self-contained retail transaction system for a retailer. The mobile device is configured to execute the retail transaction system providing remote network or cloud-based services for data retrieval, and data storage to the retail transaction system on the mobile device. One or more retail transactions are processed on the mobile device via the POS interface. | 01-16-2014 |
20140019275 | Processing payment information for online orders at a local merchant's point of sale via check payment - An online catalog system and method provide customers with a way to place online orders with local merchants, while providing local merchants with the ability to receive payment on an order for order basis prior to shipping the order to the customer. A local merchant's inventory and pricing information is hosted on an online catalog system. An order processing device in communication with the online catalog system is provided to the local merchant. The order processing device receives online order requests and payment information from customers via the online catalog system. The order processing devices generates a payment article at the local store comprising payment information that is then processed at the local merchant's point of sale device. | 01-16-2014 |
20140019276 | PAYMENT DEVICE - A program for running on a processor of a portable payment device is adapted for carrying out a payment interaction and permitting ticket storage in a memory of the portable payment device. The program is configured to interact with an access point and includes a set of instructions, a first code portion and a second code portion. The set of instructions, when executed by the processor, causes the portable payment device to perform the steps of: responsive to a first message from said access point, executing the first code portion; and responsive to a second message from the access point, executing the second code portion. The first code portion includes first instructions corresponding to the payment interaction. The second code portion includes instructions corresponding to the payment interaction and second instructions corresponding to the ticket interaction. | 01-16-2014 |
20140019277 | TWO PHASE PAYMENT LINK AND AUTHORIZATION FOR MOBILE DEVICES - Aspects of the invention are directed to a two phase payment link and authorization method and system for mobile devices. A method for payment and authorization according to an embodiment includes: requesting and receiving, at a mobile device, a transaction identifier from a payment service; displaying the transaction identifier on a display of the mobile device, wherein the transaction identifier is in a machine readable format; scanning the transaction identifier at a point of sale system; sending the transaction identifier and transaction information associated with items to be purchased from the point of sale system to the payment service; creating, at the payment service, a logical link between the mobile device and the point of sale system, based on the transaction identifier; and sending the transaction information from the payment system to the mobile device. | 01-16-2014 |
20140025515 | TRANSFERRING DIGITAL RECEIPT DATA TO MOBILE DEVICES - The present invention extends to methods, systems, and computer program products for transferring digital receipt data to mobile devices. A point-of-sale (“POS”) system generates digital receipt data as part of a sales transaction. The point-of-sale (“POS”) system and a mobile device, possibly also along with a receipt data server, interoperate with one another to transfer digital receipt data generated to the mobile device. In some embodiments, the point-of-sale (“POS”) system transfers digital receipt data for a sales transaction to the receipt data server. An identifier, such as, for example, an application identifier or transaction identifier, is stored along with the digital receipt data to match the digital receipt data with the mobile device. The mobile device subsequently uses the identifier to access the digital receipt data from the receipt data server. In other embodiments, the point-of-sale (“POS”) system transfers digital receipt data directly to the mobile device. | 01-23-2014 |
20140025516 | TRANSFERRING DIGITAL RECEIPT DATA TO MOBILE DEVICES - The present invention extends to methods, systems, and computer program products for transferring digital receipt data to mobile devices. A point-of-sale (“POS”) system generates digital receipt data as part of a sales transaction. The point-of-sale (“POS”) system and a mobile device, possibly also along with a receipt data server, interoperate with one another to transfer digital receipt data generated to the mobile device. In some embodiments, the point-of-sale (“POS”) system transfers digital receipt data for a sales transaction to the receipt data server. An identifier, such as, for example, an application identifier or transaction identifier, is stored along with the digital receipt data to match the digital receipt data with the mobile device. The mobile device subsequently uses the identifier to access the digital receipt data from the receipt data server. In other embodiments, the point-of-sale (“POS”) system transfers digital receipt data directly to the mobile device. | 01-23-2014 |
20140025517 | TRANSFERRING DIGITAL RECEIPT DATA TO MOBILE DEVICES - The present invention extends to methods, systems, and computer program products for transferring digital receipt data to mobile devices. A point-of-sale (“POS”) system generates digital receipt data as part of a sales transaction. The point-of-sale (“POS”) system and a mobile device, possibly also along with a receipt data server, interoperate with one another to transfer digital receipt data generated to the mobile device. In some embodiments, the point-of-sale (“POS”) system transfers digital receipt data for a sales transaction to the receipt data server. An identifier, such as, for example, an application identifier or transaction identifier, is stored along with the digital receipt data to match the digital receipt data with the mobile device. The mobile device subsequently uses the identifier to access the digital receipt data from the receipt data server. In other embodiments, the point-of-sale (“POS”) system transfers digital receipt data directly to the mobile device. | 01-23-2014 |
20140025518 | FINANCIAL CARD TRANSACTION SECURITY AND PROCESSING METHODS - Methods and systems for a secure financial transaction that can be processed through open loop or closed loop networks using electronically readable or visual data that is preferably provided or integrated into a financial card to determine network selection and card authentication and verification requirements. | 01-23-2014 |
20140025519 | SYSTEM AND METHOD FOR ACQUIRING ELECTRONIC DATA RECORDS - A system and method for acquiring electronic data records is provided. A visual artifact encoded with content for acquiring an electronic data record associated with dynamic content is acquired at a portable electronic device. The visual artifact is processed to determine the content. The electronic data record is retrieved from a remote server via a network connection by processing the content at the portable electronic device. | 01-23-2014 |
20140025520 | BIOMETRIC AUTHENTICATION OF MOBILE FINANCIAL TRANSACTIONS BY TRUSTED SERVICE MANAGERS - In one embodiment, a method comprises storing a biometric trait of a user in a data communication device of the user, comparing a biometric trait input into the device with the biometric trait stored in the device, generating a certificate authenticating the user within the device if the biometric trait input into the device matches the biometric trait stored in the device, and facilitating a financial transaction of the user using the certificate. | 01-23-2014 |
20140032347 | BARCODE TRANSFERRING RECEIPT DATA TO A COMPUTING DEVICE OF A CUSTOMER - A method is disclosed for transferring receipt data to a computing device corresponding to a customer. The method may include initiating a transaction at a point-of-sale system. During the transaction, a computer system comprising the point-of-sale system, may collect receipt data documenting the transaction. The computer system may generate a barcode unique to the transaction and comprising encoded data. Once the transaction has been completed, the computer system may present the barcode to the customer. This may be done via a printed receipt, a customer-facing display, or the like. Using the encoded data, the computer system may deliver the receipt data to a computing device in the possession of the customer. For example, the encoded data may comprise the receipt data. Alternatively, the encoded data may comprise a URL directing the computing device to a resource system from which the receipt data may be downloaded. | 01-30-2014 |
20140040055 | Systems and Methods for Dispensing Products Selected at Remote Point-of-Sale Devices - The present application provides a remote beverage dispensing system for filling a number of orders with one or more beverage selections. The remote beverage dispensing system may include a point-of-sale device for receiving the orders and a remote beverage dispenser for filling the orders. The remote beverage dispenser may include a point-of-sale order queue and a manual selection screen. The point-of-sale order queue may include the beverages selections in each of the number of orders. | 02-06-2014 |
20140040056 | METHOD AND SYSTEM FOR OFFERING A CREDIT PRODUCT BY A CREDIT ISSUER TO A CONSUMER AT A POINT-OF-SALE - A method for offering at least one credit product by at least one credit issuer to a consumer at a point-of-sale between a merchant and the consumer. The method includes the steps of: providing a credit issuer data set including a plurality of data fields to a central database; initiating a transaction between the consumer and the merchant at the point-of-sale; offering, to the consumer at the point-of-sale, the at least one credit product; and presenting, to the consumer at the point-of-sale, at least one data field in the credit issuer data set. The at least one data field presented to the consumer is populated with data directed to the credit product, the credit issuer, or any combination thereof. An apparatus and system are also disclosed. | 02-06-2014 |
20140046787 | Systems and Methods for Recording Transaction and Product Customization Information - Methods, devices, systems and computer readable media can be configured to facilitate receipt of a unique product identifier. The unique product identifier can correspond to a customized product. In one embodiment, an account identifier is received. The account identifier may correspond to an online account of a consumer purchasing the customized product. In an embodiment, an object associated with the online account is determined. The object may represent a portion of a building. In an embodiment, the object is associated with the customized product. | 02-13-2014 |
20140046788 | PAYMENT METHOD AND SYSTEM - A payment method and a system are provided. The payment method allows making a payment for a purchased product with an electronic wallet account linked with a telephone number. | 02-13-2014 |
20140052554 | INTELLIGENT POINT OF SALE SYSTEM - An error condition can be detected at a first point-of-sale (POS) system during a transaction for a customer. The first POS system is a self-service POS system. Responsive to the error condition, the transaction can be transferred to a second POS system using a processor without human intervention. | 02-20-2014 |
20140058863 | Systems And Methods For Product Purchase And Registration - Systems and methods for product purchase and registration are disclosed. One disclosed method includes the steps of capturing a product identifier, the product identifier identifying a product; transmitting the product identifier to a first remote server; responsive to transmitting the product identifier, receiving a vendor identification number (VIN), the VIN based on the product identifier; providing the VIN to a point-of-sale (POS) device; and activating the product. | 02-27-2014 |
20140058864 | COMMODITY REGISTRATION APPARATUS AND METHOD - A commodity registration apparatus includes a tablet apparatus which an input section and a display section of a screen respectively arranged on a housing and an information processing section configured to carry out a commodity sales registration processing and a checkout processing by the input section and the display section and determine the registration of the commodities purchased in a transaction by the closing operation input from the input section, a wireless transmission section configured to wirelessly transmit an issuing instruction of receipt information containing the content of the transaction by the tablet apparatus to a printing device and a notification section configured to display a transaction completion notice on the display section by the closing operation input to the information processing section of the tablet apparatus which makes the wireless transmission section transmit the issuing instruction. | 02-27-2014 |
20140058865 | METHOD AND SYSTEM FOR AUTHENTICATING TRANSACTION REQUEST FROM DEVICE - A method and system for authenticating a transaction request from a device are provided. The method includes storing authentication information that is generated by the device based on a user input to the device; and when the device approaches to within a predetermined range from the POS terminal, providing the authentication information to the POS terminal. The authentication information that is provided to the POS terminal is compared with authentication information that is generated by the POS terminal based on a user input to the POS terminal, and then is used to authenticate a transaction request from the device. | 02-27-2014 |
20140058866 | PAYMENT SYSTEM, SERVER, INFORMATION PROCESSING APPARATUS, AND COMPUTER PROGRAM PRODUCT - A payment system includes an information processing apparatus, a sales terminal, and a server that are configured to establish communication with each other. The server includes a member information database that has ID information stored in association with a member ID of a member of the payment system; a member ID receiving unit that receives the member ID from the information processing apparatus; a member identifying unit that refers to the member information database and identifies the member ID associated with the ID information; a sales information transmitting unit that transmits the sales information that has been transmitted from the sales terminal along with the ID information; and a payment processing request unit that receives from the information processing apparatus card information to be used to pay the payment amount indicated in the sales information and transmits a payment processing request including the card information to a financial institution. | 02-27-2014 |
20140058867 | METHOD AND SYSTEM FOR PROVIDING POINT OF SALE SERVICES - A system for transmitting information between a seller and a supplier uses a web services application to interface between a seller application and the supplier's server. The web services application uses a proxy to transmit information from the web services application to the supplier's server in a secure and reliable manner. The information is transmitted via HTTP using SOAP messages that conform to WSDL. In such a manner, the web services application can transmit selected information to the supplier's server, without any need to re-key redundant information. The proxy provides various services, such as encryption/decryption, digital signing, non-repudiation services, reporting capabilities, and software updating capabilities. | 02-27-2014 |
20140058868 | SYSTEM AND METHOD FOR ACTIVATING OR CHANGING THE STATUS OF AN ACCOUNT ASSOCIATED WITH A PREPAID CARD - A system and method for activating and funding prepaid cards at the point of sale by making innovative use of existing point-of-sale devices and existing credit/debit card acceptance networks and processes. The invention obviates the need to implement new/different technology at point-of-sale terminals that are widely used at retail outlets. This invention makes use of the existing credit and charge card systems and processes, including industry standard message formats, to settle funds and fees between the seller and the issuer of the prepaid card, thus further reducing the expense and time-to-market for product distribution. | 02-27-2014 |
20140067567 | TECHNIQUES TO CUSTOM DEFINE TRANSACTION SESSIONS - Techniques to custom define transaction sessions are provided. A plugin-based architecture is provided having tasks as units of atomic work that are bound to orchestrators. The orchestrators form plug-in transaction sessions. Specific instances of plugin transaction sessions are deployed and processed from network-based machines, such as but not limited to kiosks. | 03-06-2014 |
20140067568 | LOCATING AND ORGANIZING DIGITAL RECEIPT DATA FOR USE IN IN-STORE AUDITS - The present invention extends to methods, systems, and computer program products for auditing in-store sales transactions when a digital receipt is issued. A receipt application server formulates a digital receipt from digital receipt data received from a POS system. The digital receipt is sent from the receipt application server to an auditor mobile device at the location of the POS system. A human auditor can view the digital receipt during an in-store audit. In some embodiments, one or both of the receipt application server and the auditor mobile device reorder receipt entries so that items having specified characteristics are presented more prominently on a display. For example, receipt entries can be re-ordered such that higher profit margin items, bulkier items, or more likely to be stolen items are presented more prominently. As such, a human auditor is more likely to expressly audit these types of items. | 03-06-2014 |
20140067569 | DEVICE CONNECTION UNIT, COMMODITY SALES PROCESSING SYSTEM AND METHOD - In accordance with an embodiment, a device connection unit capable of connecting the peripherals related to a commodity sales processing carries out a data transmission/reception with an information processing terminal if the information stored in the information processing terminal is consistent with that stored in a storage medium accessing the device connection unit. | 03-06-2014 |
20140067570 | SYSTEM AND METHOD FOR MOBILE POINT OF SALE - In some embodiments, an electronic device comprises an input interface, a communication interface, a processor, and logic to launch, in the electronic device, a shopping application associated with one or more specific vendors, establish, via the communication interface, a communication connection between the electronic device and a shopping server, and receive, via the input interface, an identifier associated with one or more products sold by the one or more specific vendors, receive, via the communication interface, point of sale information associated with the one or more products associated with the identifier, receive, via the communication interface, a transaction authorization to purchase the one or more products associated with the identifier, and execute the purchase transaction on the electronic device. Other embodiments may be described. | 03-06-2014 |
20140067571 | ENHANCED DATA EXCHANGE BETWEEN MOBILE DEVICE AND MERCHANT SYSTEM - A method within a gateway for facilitating a payment portion of a transaction involving a merchant and a user of a wireless device includes receiving at the gateway a first set of information related to the transaction, the first set of information originating from a merchant device and including an identifier of the merchant device and a quanta of value, receiving at the gateway a second set of information related to the transaction, the second set of information originating from the wireless device and including an identifier of the wireless device and the identifier of the merchant device, processing the first and second sets of information, including correlating the first set of information and the second set of information based on at least the identifier of the merchant device, and sending an indicia of authorization based on at least the quanta of value. | 03-06-2014 |
20140067572 | Payment Systems and Methods - In one embodiment the present invention includes a payment system for a commercial transaction. The payment system includes an account server that a consumer accesses using the consumer's mobile telephone number. The account server updates the consumer's account and the merchant's account according to the transaction. The account server sends a confirmation directly to the consumer's mobile telephone. | 03-06-2014 |
20140074635 | VIRTUAL POINT OF SALE - In one embodiment a controller comprises logic to receive a payment request for a purchase transaction, wherein the payment request comprises transaction information associated with the purchase transaction, present at least a portion of the transaction information on a user interface, receive payment source data from a remote resource, securely wrap the payment source data and transmit the payment source data to a remote device. Other embodiments may be described. | 03-13-2014 |
20140074636 | SELF-SERVICE TERMINAL DEVICE AND METHOD FOR COMMUNICATING WITH THE SELF-SERVICE TERMINAL DEVICE - A method for communicating between a service terminal device and one or more user devices includes receiving from a user device a selection signal to select a content from contents of the service terminal device according to a first wireless communication standard, and transmitting the selected content from the service terminal device to the user device according to a second wireless communication standard when the user device is placed in close proximity to the service terminal device. | 03-13-2014 |
20140074637 | CLOUD-BASED VIRTUAL WALLET NFC APPARATUSES, METHODS AND SYSTEMS - The CLOUD-BASED VIRTUAL WALLET NFC APPARATUSES, METHODS AND SYSTEMS (“EAE”) transform user enhanced security transaction initiation requests using EAE components into time-limited, session-specific transaction bounding tokens. In some implementations, the disclosure provides a processor-implemented method of transforming a transaction bounding token request into transaction bounded tokens and purchase authorizations. | 03-13-2014 |
20140081782 | SYSTEM AND METHOD FOR CREATING RESERVATIONS - The systems, methods, and computer program products (collectively “systems”) described herein are generally configured to monitor actions in digital channels. More specifically, the systems are capable of creating reservations for items and initiating payments for the items based on actions or information received from the digital channel. The systems are capable of syncing transaction accounts with various digital channels. Moreover, the systems are capable of initiating or completing transaction based on user information. The systems may also be capable of providing rewards based on activities or accomplishments in the digital channels. Moreover, the systems may be capable of verifying ring activities based on transaction information. | 03-20-2014 |
20140081783 | Push Payment Processor - Embodiments of methods and systems provide transaction processing with dynamic generated codes. In an embodiment, a system comprises a remote server adapted to interact with a POS device and a client device; one or more processors; and one or more memories adapted to store machine-readable instructions to cause the system to: receive, by the server at the remote location, a transaction request from the POS device of the seller, wherein the transaction request includes transaction information in connection with a transaction conducted at the POS device; generate a transaction code upon receiving the transaction request from the POS device, wherein the transaction code includes the transaction information; send the transaction code to the POS device; receive an authorization request for the transaction from the client device after the client device reads the transaction code from the POS device; and process the transaction. | 03-20-2014 |
20140081784 | PAYMENT METHOD, PAYMENT SERVER PERFORMING THE SAME AND PAYMENT SYSTEM PERFORMING THE SAME - A payment server that includes a payment request receiving unit configured to receive a payment request code including a first partial payment code, and a payment code determination unit configured to determine a second partial payment code based on the received payment request code. The payment server also includes a payment code generation unit configured to generate a payment code based on the first and second partial payment codes, the payment code being payable by a user. | 03-20-2014 |
20140081785 | TELEMATIC PAYMENT CARD - Telematic Payment Card for use remotely with a Central Control & Processing Unit, for paying goods and services using mobile network, and transferring money between accounts remotely, enabling a payment card with monitor and keyboard to communicate banking and financial data remotely to financial institutions and payment networks via said central unit. | 03-20-2014 |
20140089116 | DETERMINATION OF CUSTOMER PROXIMITY TO A REGISTER THROUGH USE OF SOUND AND METHODS THEREOF - A method is disclosed for determining a customer's progress through a checkout line at a store and for correlating customer satisfaction thereto. A mobile electronic device with mobile self checkout software thereon may record and analyze ambient noise to determine when a customer is in a checkout line as well as to track the customer's progress through the checkout line. The software may provide detailed data about the shopping and checkout experience. This information may be correlated to customer satisfaction and used identify particular strengths and weaknesses in the shopping experience offered by a store. | 03-27-2014 |
20140089117 | Secure Escrow Transaction System - A method and device for conducting a secure transaction, where a buyer and seller have account information on an escrow server including assigned buyer and seller account identification numbers, the buyer and seller authenticate their identities using respective devices, the seller constructs an offer template using their seller device where the offer template includes the seller account number combined with information sufficient to identify the item(s) being sold, the item(s) price and the total amount of the transaction, the buyer communicates their buyer account number to the seller device, the seller combines the buyer account number with the offer template to create a digitally signed offer which is sent to the escrow server, the escrow server then generates and communicates an escrow code to the parties, whereupon payment authorization of the escrow transaction may be completed. | 03-27-2014 |
20140089118 | "Pay/load" product sale at national retailers - Method and apparatus for effecting a bill-pay/account-loading program as a “product” for sale at retailers, preferably including consumer involvement 1) in establishing a relationship with a payment facilitator and with receiving a relevant “app;” 2) in securing a barcode or other product identifier to use at a retailer to purchase a bill-pay/account loading “product,” which could be a gift card controlled by the payment facilitator; and 3) in confirming the tendering of cash or the like to a retailer, preferably based on a retailer receipt and consumer device information; alternately including consumer funding of a retailer gift card and a payment provider paying a consumer's bill using the funded gift card and settling with the retailer based on the amount in the gift card account, preferably after the provider verifying funding of the card account by accessing gift card records. | 03-27-2014 |
20140089119 | COMPETING MOBILE PAYMENT OFFERS - A method for competing mobile payment offers includes presenting a payment request based on a purchase request to an electronic device. A transaction description based on the payment request is forwarded to one or more payment providers. One or more payment offers are received from the one or more payment providers on the electronic device. A payment method is selected for the purchase request based on the received one or more payment offers. The purchase request is completed using the selected payment method. | 03-27-2014 |
20140089120 | AGGREGATING MULTIPLE TRANSACTION PROTOCOLS FOR TRANSACTING BETWEEN A PLURALITY OF DISTINCT PAYMENT ACQUIRING DEVICES AND A TRANSACTION ACQUIRER - Aggregating multiple transaction protocols for transacting between a plurality of distinct payment acquiring devices and a transaction acquirer includes using a multi-protocol meta-model to consistently abstract a protocol of electronic messages received by each distinct payment acquiring device to a transaction acquirer compatible protocol and forwarding a transaction message based on the abstracted protocol and the original electronic message to a transaction acquirer. | 03-27-2014 |
20140095332 | SENDING A COUNTER-OFFER TO USE AN ALTERNATE PAYMENT OPTION - In a method for sending a counter-offer in response to receiving an indication about a point-of-sale transaction, a computer receives from a point-of-sale program a point-of-sale transaction and an indication that the point-of-sale transaction is to be paid for utilizing a first payment option and is to be recorded using a second payment option. The computer determines that a counter-offer is appropriate. The counter-offer includes a request that the point-of-sale transaction be paid for utilizing the second payment option. The computer sends to the point-of-sale program the counter-offer. | 04-03-2014 |
20140100975 | Payment System and Method - A payment system, including: a host server; a digital wallet for storing credit of a user; a user mobile communications device for data communication with the host server; and a point-of-sale terminal operable by a vendor. The point-of-sale terminal is configured to receive purchase data indicative of a desired purchase by the user and to transmit the purchase data to the host server, the purchase data including price data, the mobile communications device is configured to receive the purchase data from the host server or from the point-of-sale terminal and to prompt the user to input user authorization, the mobile communications device is configured to receive the user authorization and in response thereto to transmit authorization data to the host server, and the host server is configured to respond to receiving the authorization data by initiating transfer of funds according to the price data from the digital wallet to a vendor account. | 04-10-2014 |
20140100976 | SYSTEMS AND METHODS FOR IMPLEMENTING A TRAVELER-SPECIFIC STORE USING MOBILE DEVICES IN A MOBILE RETAIL ENVIRONMENT - One aspect of the invention is directed to integrating mobile devices, such as smartphones, tablets, etc., into a mobile retail environment commercial system. A mobile device includes a mobile store module that provides an interactive user experience that allows a traveler to browse goods or services that are available in the mobile retail environment. The device further includes a mobile store inventory records module that maintains records of goods and services that are available in each particular mobile retail environment. An update module facilitates data connectivity with a remote server to update the stored data in the mobile store inventory records module. The remote server, in turn, is communicatively coupled with a transportation service provider system, such as an airline business system that provides information on individual travelers and their itineraries. The mobile device further includes an in-flight data exchange module that facilitates interaction with a point-of-sale device. | 04-10-2014 |
20140100977 | VENDING DATA COMMUNICATIONS SYSTEMS - Vending machine circuitry adapted to interface with vending machine electronics so as to provide data communications between a handheld device, preferably a wireless handheld device operated by a potential consumer, and the vending machine electronics, with the handheld device providing the network communications connectivity for transmitting and receiving information to and from remote data centers, data bases, and/or servers. | 04-10-2014 |
20140100978 | Distributed Point of Sale, Electronic Article Surveillance, and Product Information System, Apparatus and Method - A distributed point of sale, electronic article surveillance, and product information system. The system can include a central database and at least one integrated POS/EAS/information terminal adapted to communicate with NFC-enabled devices, RFID and EAS tags, and the database, wherein, when a customer places an NFC-enabled device and a product having an RFID and EAS tag and proximate the terminal, the terminal facilitates a transaction for purchasing the product. The terminal can include a processor, an NFC transceiver, a UHF RFID reader, and a Bluetooth transceiver. The transaction for purchasing the product can be performed via the NFC-enabled device. | 04-10-2014 |
20140108174 | Geographic identification of point of sale and tracking of sale - The present invention relates to a system of geographic identification of the point of sale and of tracking of the sale of a consumer good sold by a merchant. The system comprises a bank payment network ( | 04-17-2014 |
20140108175 | POINT OF SERVICE TRANSACTION MANAGEMENT FOR SERVICE FACILITIES - The present invention enables the collection by credit/debit card payment of customer co-pay and self-pay charges via an integrated point-of-service transaction management system and method. The system and method of the present invention may assist health care facilities in the collection of co-pay and self-pay charges at the time service is rendered. The present invention can be implemented anywhere cash, checks, credit cards or debit cards are accepted for payment. | 04-17-2014 |
20140114780 | Payment Processing Access Device and Method - Described herein is a payment processing device for processing payment from a consumer at a merchant location using a user device, the device comprising a presence detection module configured to detect presence of the user device at the merchant location; and a checkout module configured to communicate with a backend system to verify an identity of the user device, to receive payment information from the user device, and to transmit payment information to a merchant point-of sale (POS) system. | 04-24-2014 |
20140114781 | PORTABLE TERMINAL AND ITS PROGRAMS, SETTLEMENT APPARATUS, AND MERCHANDISING INFORMATION PROVIDING APPARATUS - On receiving simplified settlement data generated form settlement data and ID data for downloading electronic-receipt data from an electronic-receipt server, both from a settlement-processing apparatus, a portable terminal records the simplified settlement data in association with the ID data. The display unit of the portable terminal displays the simplified settlement data thus recorded. The portable terminal downloads electronic-receipt data from the electronic-receipt server by using the ID data recorded in association with the simplified settlement data, when the input unit is operated, thereby commanding that the electronic receipt related to the simplified settlement data displayed by the display unit should be downloaded. The electronic-receipt data is recorded in the electronic-receipt recording unit. The display unit displays the electronic receipt on the basis the electronic-receipt data recorded in the electronic-receipt recording unit. | 04-24-2014 |
20140122269 | LAYAWAY APPARATUS AND METHOD - A method for associating a computing device of a customer with a layaway transaction corresponding to the customer is disclosed. The method may begin with a computer system initiating a layaway transaction with a customer. A point-of-sale system forming part of the computer system may then receive identification information from the customer. The customer may use the identification information to link the layaway transaction to the computing device. The computer system may then serve an electronic receipt to the computing device. | 05-01-2014 |
20140122270 | MANAGING RETURNS USING ELECTRONIC RECEIPTS - Systems and methods are disclosed for maintaining an electronic receipt. An electronic receipt is created and stored for a transaction. The electronic receipt is updated for returns and the electronic receipt may be viewable by a user, as a number of versions of the receipt or a markup showing modifications to the transaction. To make a return, a POS may request the some or all of versions of the receipt. An item to be returned for a transaction may be evaluated with respect to the current version of the receipt to determine if the item has been previously returned. An item to be returned may be selected by a user by selecting the item on a graphical representation of the receipt displayed on the user's mobile phone or other computing device. | 05-01-2014 |
20140122271 | System and Method for Enabling Deployment Variability in a Point of Sale - A method and system for deployment variability in a Point of Sale wherein the deployment variability includes a plurality of scenarios, the deployment variability wherein in one of a scenario, a POS Till, a POS Back Office, and a POS Central Instance run in a standalone mode and in another scenario, the POS Till, the POS Back Office, and the POS Central Instance run on a n-tiered mode, based on the requirement, wherein transition from one mode to another mode does not involve complexity of data being replicated. | 05-01-2014 |
20140122272 | TRANSACTION DATA CAPTURE DEVICE AND SYSTEM - Methods and systems described herein relate to a transaction data capture device. Systems and methods for content printing and insertion are disclosed. Systems and methods for payment and payment data storage are disclosed. Systems and methods for extracting transaction data sent from a point of sale terminal to a peripheral are disclosed. | 05-01-2014 |
20140129360 | CREDIT CARD INFORMATION PROCESSING SYSTEM, CREDIT CARD INFORMATION PROCESSING METHOD, ORDER INFORMATION RECEIVING DEVICE, CREDIT CARD TRANSACTION DEVICE, PROGRAM, AND INFORMATION RECORDING MEDIUM - A seller's workload of managing credit card information can be reduced without changing convenience for an orderer and the seller in a transaction using a credit card. A virtual mall server ( | 05-08-2014 |
20140129361 | SYSTEM FOR SECURE WEB-PROMPT PROCESSING ON POINT SALE DEVICES - A point of sale system including at least one proxy server having an internet connection, a web browser operative to download web pages from the internet via the proxy server, and a real time user input limiting trusted computing base module communicating with the web browser and being operative to limit user input to the web pages in real time. | 05-08-2014 |
20140136352 | Social Network-Assisted Electronic Payments - Techniques, a system and an article of manufacture for social network-assisted electronic payments. A method includes determining one or more members of a user's social network to query for a financial contribution towards payment of a real-time transaction between the user and a merchant, querying said one or more members in an order based on descending likelihood of member financial contribution until sufficient funds for payment of the transaction are received or all of said one or more members have been queried, and processing a money transfer from the user and/or each of said one or more members to the merchant to complete the real-time transaction. | 05-15-2014 |
20140136353 | SYSTEM AND METHOD FOR OPTIMIZING CARD USAGE IN A PAYMENT TRANSACTION - Systems and methods for enabling a user to use a single payment device in payment transactions for optimizing card rewards. Payment instruments such as credit cards, debit cards and stored value cards are associated to the user's payment device in an intermediate account. The user also provides prioritization information regarding the payment instruments. Using the prioritization information, an optimization engine then determines the optimal payment instrument for a transaction transmitted to the intermediate account. | 05-15-2014 |
20140136354 | MOBILE PAYMENT TRANSACTION PROCESSING VIA UNATTENDED TERMINAL - A mobile payment application loaded upon a user device allows a user to perform mobile payment transactions for the purchase of a product and/or service via an unattended terminal over a network. The networked unattended terminal is operationally coupled with a mechanism, such as a vending machine, for delivering the purchased product and/or service to the user. | 05-15-2014 |
20140136355 | SECURITY IN MOBILE PAYMENT SERVICE - The disclosure is related to providing a mobile payment service without revealing an actual payment card number. User equipment may be configured to receive a set of virtual mobile payment card numbers assigned to a mobile payment card, to select one of the received virtual mobile payment card numbers based on a payment initiation time upon generation of a predetermined event, and to transmit a payment request with the selected virtual mobile payment card number and the payment initiation time to the server through at least one of a point-of-sale (POS) terminal and a value-added network (VAN) server. | 05-15-2014 |
20140143077 | Automated Print and Digital Media and Communications Vending Kiosk - An automated print and digital media and communications vending kiosk provides products for sale including printer ink cartridges, printer paper, digital media storage and other related products in a standalone unit which may be placed outside of convenience stores or other stores for convenient access by customers. | 05-22-2014 |
20140143078 | DISTRIBUTED TRANSACTION PROCESSING SYSTEM AND METHODS - A method and a system for processing a transaction in a distributed electronic payment system are disclosed. The system comprises at least one point of sale terminal and at least one customer mobile terminal, each being respectively configured to communicate with at least one host terminal over a network. A machine-readable unique identifier of the at least one point of sale terminal is read by the at least one customer mobile terminal. At each of the at least one point of sale terminal and the at least one customer mobile terminal, a respective transaction request message is encoded and communicated to the at least one host terminal, which includes the unique identifier. At the least one host terminal, the respective transaction request messages are matched with the unique identifier and a payment request message is encoded and communicated to the at least one customer mobile terminal. | 05-22-2014 |
20140149238 | GIFT-REGISTRY APPARATUS AND METHOD - A method is disclosed for administering a gift registry. Within the method, a computer system may associate or link a gift registry to a computing device in the possession of a customer. A point-of-sale system forming part of the computer system may then initiate a transaction comprising the purchase of an item by the customer. The computer system may identify a link between the computing device and the transaction, determine that the item is listed within the gift registry, and receive confirmation that the item was purchased for the gift registry. Accordingly, the computer system may modify the gift registry to reflect the purchase of the item. | 05-29-2014 |
20140149239 | RECIPE-SUGGESTION APPARATUS AND METHOD - A computer-implemented method is disclosed for suggesting recipes. Within the method, one or more point-of-sale transactions may be conducted. The transactions may involve a computer system and a customer possessing a mobile computing device. The computer system may store receipt data documenting the transactions. The computer system may also receive a request from the mobile computing device for one or more recipes, analyze the receipt data to identify at least one of the food patterns and food preferences of the customer, and identify one or more recipes corresponding to at least one of the food patterns and food preferences. The computer system may then pass the one or more recipes to the mobile computing device. | 05-29-2014 |
20140149240 | METHOD FOR COLLECTING POINT-OF-SALE DATA - A method for generating a website includes obtaining a seed input associated with an entity. The seed input may include one or more keywords, such as a business name. Obtaining the seed input may include receiving the seed input from the user, or the seed input may be obtained without input from the user. The seed input is used to identify the entity. The method further includes retrieving, using at least one of the seed input and the identification of the entity, content relevant to the entity from one or more data stores. Retrieving the content may include using one or more categories relevant to the entity to identify the content. The website is generated without an input from the entity, and includes at least a portion of the content. Generating the website may include identifying a template having a plurality of content regions for containing the content. | 05-29-2014 |
20140149241 | SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT FOR PROVIDING LOCATION BASED PRODUCT OR ORDER FULFILLMENT - Embodiments relate to a method, system and computer program product for obtaining at least one product or service using a provider's point of sale (POS) system. The method includes placing an order for at least one product or service in the POS using a mobile device; determining a geolocation of the mobile device; placing the order into a queue in the POS system; calculating a distance between the mobile device and the POS system; determining when the mobile device is within a predetermined distance of the POS system; and fulfilling the order or service when the mobile device is within the predetermined distance. | 05-29-2014 |
20140156430 | Customer Interaction Manager - An approach is provided for indirectly connecting a customer's mobile smart device to computers located at a business when the customer is making a purchase at the business. The customer's mobile smart device and the business's computers communicate over the Internet with a customer interaction manager executing on an Internet server. This provides an easy to use interface for the customer and allows the customer to receive information and send requests to the business without having to wait for personnel working at the business to be available. | 06-05-2014 |
20140156431 | CUSTOMER INTERACTION MANAGER ON A POINT OF SALE COMPUTER - An approach is provided for indirectly connecting a customer's mobile smart device to a point of sale computer located at a business when the customer is making a purchase at the business. The customer's mobile smart device and the POS computer communicate over the Internet with a customer interaction manager executing on an Internet server. This provides an easy to use interface for the customer and allows the customer to receive information and send requests to the business without having to wait for personnel working at the business to be available. | 06-05-2014 |
20140156432 | Approximating Alternate Currency Equivalents In Digital Receipts - The present invention extends to methods, systems, and computer program products for approximating alternate currency equivalents in digital receipts. In response to a user request, item prices in one currency in a digital receipts (e.g., for retail sales transactions) can be approximated in a second different currency. Digital receipts with approximated item prices can be presented on a display at a mobile device. Currency conversion can be handled at a receipt data server or at the mobile device. Currency conversion can be performed locally or can be referred to a conversion server. Item prices in digital receipts can be converted from and/or to any of a variety of different currencies. | 06-05-2014 |
20140156433 | SYSTEM AND METHOD FOR PRESENTING A FINANCING INSTRUMENT AT A POINT OF SALE - A system and method for extending credit to a purchaser at a point-of-sale terminal. A merchant registers with a host system operated by or for a lending financial institution. The host receives a request for an installment purchase agreement from a purchaser-borrower. The installment purchase agreement represents a payment instrument for payment to the merchant of a purchase price for goods or services selected for purchase by the purchaser-borrower from the merchant. The host system receives financial information from the purchaser-borrower and velocity data accessible to the host system. The host may determine from the financial information received from the purchaser-borrower whether the credit worthiness of the purchaser borrow exceeds a first threshold and determine from the velocity data whether a risk factor exceeds a second threshold. | 06-05-2014 |
20140156434 | SURCHARGE VIOLATION REGISTRY - Apparatus and methods for auditing a transaction record are provided. The transaction record may correspond to a credit card transaction. The auditing may include identifying a surcharge violation. The surcharge violation may be an unlawful surcharge. The auditing may identify patterns of double surcharging. Transaction-level auditing may include ensuring that a surcharge is returned upon a product return. A mobile wallet application may allow consumers to access and/or report merchant surcharge compliance activity. Functionality may include surcharge receipt scanning for use in crosschecking authenticity of a consumer report. Additional crosscheck functionality provided by geographic location support. Embodiments may include a registry for merchants that certify their surcharge calculations. | 06-05-2014 |
20140156435 | PROVIDING MONEY TRANSFER USING A MONEY TRANSFER PLATFORM - The present disclosure describes methods, systems, and computer program products for providing funds transfer over an existing retail payment system using a money transfer platform. One method includes receiving a funds transfer request associated with a funds pack for transferring funds from a first location to a receiver in a second location, requesting validation of a unique identifier associated with the funds pack from a first-location payment network provider, receiving a validation success notification responsive to the requested validation of a unique identifier from the first payment network provider, generating a termination identifier identifying the funds transfer transaction request, transmitting the termination identifier to the receiver, providing instructions causing funds to be paid to the receiver upon presentation of the termination identifier, and receiving a request for funds from a second-location payment network provider, the request for funds associated with payment of funds based on presentation of the termination identifier. | 06-05-2014 |
20140164156 | FINANCIAL TRANSACTION PROCESSING WITH DIGITAL ARTIFACTS AND A DEFAULT PAYMENT METHOD USING A MOBILE COMMUNICATIONS DEVICE - A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization. | 06-12-2014 |
20140164157 | FINANCIAL TRANSACTION PROCESSING WITH DIGITAL ARTIFACTS AND A DEFAULT PAYMENT METHOD USING A SERVER - A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization. | 06-12-2014 |
20140172600 | KIOSK SYSTEM FOR DISTRIBUTING MEDIA CONTENT - A system and method for an all-inclusive, high speed and convenient delivery of digital content to a user is described. The system and method include software, firmware and communications technology for providing digital content to a user, monitoring and controlling an interface between the user and the system to provide for purchase or lease of digital content by the user as well as communicating and archiving all data necessary to accommodate accounting, billing and reporting functions. The system and method also provide for management of the digital content and user interface information in accordance with inventory requirements, physical location unique information, digital rights management and other content usage conditions as well as delivery via a wired or wireless connection to a memory device or a portable rendering device. | 06-19-2014 |
20140172601 | MEDIA CONTENT DISTRIBUTION AND MANAGEMENT SYSTEM - A system and method for an all-inclusive, high speed and convenient delivery of digital content to a user is described. The system and method include software, firmware and communications technology for providing digital content to a user, monitoring and controlling an interface between the user and the system to provide for purchase or lease of digital content by the user as well as communicating and archiving all data necessary to accommodate accounting, billing and reporting functions. The system and method also provide for management of the digital content and user interface information in accordance with inventory requirements, physical location unique information, digital rights management and other content usage conditions as well as delivery via a wired or wireless connection to a memory device or a portable rendering device. | 06-19-2014 |
20140172602 | PEER-TO-PEER SYSTEM FOR SHARING MEDIA CONTENT - A system and method for providing for delivery of digital content stored on one or more members of a local kiosk group to a requesting kiosk, thus avoiding the necessity of requesting the digital content from a central content management and storage system. The system and method provides for improved customer service by providing for more rapid delivery of digital content to the customer when the digital content in not available on the kiosk with which the customer is interacting. | 06-19-2014 |
20140172603 | SYSTEM AND METHOD FOR WIRELESS CONTENT DELIVERY AND TRANSACTION MANAGEMENT - A system and method for an all-inclusive, high speed and convenient delivery of digital content to a user is described. The system and method include software, firmware and communications technology for providing digital content to a user, monitoring and controlling an interface between the user and the system to provide for purchase or lease of digital content by the user as well as communicating and archiving all data necessary to accommodate accounting, billing and reporting functions. The system and method also include provision of a software application that is programmed to allow a customer to access an ordering system to order a digital content item, assign a reference number to a transaction, and then, using the reference number, facilitate wireless downloading of the digital content item to the customer's rendering device having the software application. | 06-19-2014 |
20140172604 | REPRINTING A PAPER RECEIPT WHERE AN ELECTRONIC RECEIPT WAS ORIGINALLY ISSUED - A method is disclosed for reprinting a receipt. Where a customer has elected to receive electronic receipts, an electronic receipt may be received on a mobile electronic device following a customer purchase or other transaction at a brick and mortar retail store. Where a customer requests that the receipt be reprinted at the time of the transaction, the election to receive electronic receipts is overridden and a paper copy of the receipt is printed at the register or terminal where the transaction was completed. | 06-19-2014 |
20140172605 | SAFETY CLOSED-LOOP PAYMENT SYSTEM AND METHOD - The invention relates to a safety closed-loop payment system and method. The safety closed-loop payment system of the invention comprises a user terminal ( | 06-19-2014 |
20140172606 | SYSTEM AND METHOD FOR LINKING POINT OF SALE DEVICES WITHIN A VIRTUAL NETWORK - A system and method for interconnecting multiple point of sale devices creating a mesh-like network structure which reduces connectivity costs while providing greater reliability due to multiple network paths is disclosed. By linking point of sale devices within a virtual network, the need for individual connections to a point of sale controller is eliminated and alternative network paths are provided, thereby ensuring maximum up-time and optimal connection speeds. | 06-19-2014 |
20140180853 | Framework for Generating a Personalized Item List - A framework | 06-26-2014 |
20140180854 | METHODS AND SYSTEMS FOR PROCESSING ELECTRONIC TRANSACTIONS AND MANAGING VEHICLE COSTS - A computer-implemented method for performing an electronic transaction using a payment computer coupled to a database is provided. The transaction includes an item purchased in association with a vehicle and initiated by a cardholder with a merchant. The method includes receiving, at the payment computer, an authorization request message from the merchant, the authorization request message including first transaction data, wherein the first transaction data includes a vehicle identifier for identifying the vehicle; transmitting an authorization response message from the payment computer to the merchant; storing, within the database, other transaction data associated with other purchased items for the vehicle, wherein the first transaction data and the other transaction data define a total transaction data associated with the vehicle; and tracking, by the vehicle identifier, the total transaction data for access by the cardholder. | 06-26-2014 |
20140180855 | PRE-PURCHASE FEEDBACK APPARATUS AND METHOD - A computer-implemented method is disclosed for enabling pre-purchase feedback. Within the method, a primary customer carrying a first computing device may be received within a brick-and-mortar store. A computer system corresponding to the store may receive via the first computing device an instruction to share with a secondary customer data describing a proposed purchase of one or more products. The computer system may then pass the data to a second computing device corresponding to the secondary customer. The computer system may also receive, via the second computing device, feedback corresponding to the proposed purchase and pass the feedback to the first computing device. Accordingly, the primary customer may receive pre-purchase feedback from the secondary customer. | 06-26-2014 |
20140180856 | SYSTEM PROVIDING WIRELESS NETWORK ACCESS RESPONSIVE TO COMPLETED TRANSACTION PAYMENT AND RELATED METHODS - A system may include a payment terminal and a mobile communications device capable of completing at least one electronic payment transaction with the payment terminal via near field communication (NFC). The payment terminal may be capable of transferring password data to the mobile communications device for accessing a wireless network responsive to completion of the at least one electronic payment transaction. | 06-26-2014 |
20140188641 | WARRANTY STORING AND PRESENTING APPARATUS AND METHOD - A computer-implemented method is disclosed for storing and presenting warranties to one or more customers. Within the method, a computer system may store at least one warranty. Subsequently, a point-of-sale system forming part of the computer system may initiate a point-of-sale transaction involving a customer. The computer system may then determine that a first product forming part of the point-of-sale transaction corresponds to a first warranty of the least one warranty and offer to display the first warranty. In response to the offer, the computer system may receive a request to display the first warranty from a computing device corresponding to the customer. Accordingly, the computer system may present the first warranty to the customer via the computing device. | 07-03-2014 |
20140188642 | POINT-OF-SALE ("POS") CONTROLLER - Apparatus and methods are provided for adjusting a transaction cost and/or a transaction cost recovery amount. The adjusting may be based on a comparison of historical usage of a first payment instrument relative to use of a second payment instrument. Usage of the first or second payment instruments may be correlated to imposition of the transaction cost recovery amount. The adjusting may be based on determining a convenience fee and/or a transaction cost recovery amount for a funds transfer. The adjusting may be based on identifying a purchasing behavior. The purchasing behavior may include terminated or reduced spending, relative to historical spending, at a location that imposes a transaction cost recovery amount. The purchasing behavior may include identifying current payment instrument use at a location that imposes a transaction cost recovery amount. | 07-03-2014 |
20140188643 | TRANSACTION COST RECOVERY FOR FUNDS TRANSFER - Apparatus and methods are provided for adjusting a transaction cost and/or a transaction cost recovery amount. The adjusting may be based on a comparison of historical usage of a first payment instrument relative to use of a second payment instrument. Usage of the first or second payment instruments may be correlated to imposition of the transaction cost recovery amount. The adjusting may be based on determining a convenience fee and/or a transaction cost recovery amount for a funds transfer. The adjusting may be based on identifying a purchasing behavior. The purchasing behavior may include terminated or reduced spending, relative to historical spending, at a location that imposes a transaction cost recovery amount. The purchasing behavior may include identifying current payment instrument use at a location that imposes a transaction cost recovery amount. | 07-03-2014 |
20140188644 | METHOD AND SYSTEM FOR IMPLEMENTING A CONSUMER ENTITLEMENT PROGRAM - A managed credit system and method including a POS computer and a credit server computer interconnected via a computer network. The credit server computer includes a credit account database on which a credit account associated with a consumer is established, a purchase rules database on which a set of purchase rules is stored, and processing circuitry programmed to receive from the point of sale device a purchase request comprising an identification of the consumer and a price of the product. The processing circuitry is also programmed to determine if the purchase request should be authorized by (i) ascertaining if the purchase request complies with the set of purchase rules and (ii) verifying that the credit account contains credits sufficient to pay for the purchase request. | 07-03-2014 |
20140188645 | METHODS AND DEVICES FOR GENERATING AND REPORTING DIGITAL QR RECEIPTS - A system for managing transaction information includes a user device, a transaction server having a processor and a memory, and a point-of-sale device. The point-of-sale device is configured to communicate identification information and transaction information associated with a user purchase to said user device. The point-of-sale device is further configured to transmit said identification information and transaction information over a network to said transaction server. | 07-03-2014 |
20140188646 | MOBILE IMAGE PAYMENT SYSTEM USING SOUND-BASED CODES - A non-transitory computer readable storage medium with an executable payment application stored thereon, the payment application configured for generating a payment request for receipt by a transaction interface over a communications network such that that the transaction interface is separate and remote from a merchant interface over the communications network, a transaction of the payment request associated with a merchant providing a product to a consumer, wherein the payment application instructs a computer processor to perform the following steps of: receiving a sound code containing sound-based transaction data, wherein the transaction data is representative of merchant data associated with the product; receiving a consumer identifier, wherein the consumer identifier identifies the consumer; sending the payment request including the product data and the consumer identifier to the transaction interface over the communications network; and receiving a confirmation of approval or denial of the payment request from the transaction interface. | 07-03-2014 |
20140195361 | METHOD AND SYSTEM FOR ACTIVE RECEIPT MANAGEMENT - A method and device for managing and storing a plurality of electronic receipts includes receiving transaction data corresponding to a product purchased during a purchase transaction with an electronic receipt server. The electronic receipt server may parse the transaction data to retrieve information describing an aspect or a detail of the purchased product or the purchase transaction. The retrieved information may be stored in storage of the electronic receipt server as an electronic receipt. One or more electronic receipts of a plurality of electronic receipts stored in the electronic receipt server may be accessed and managed from an application executing on a computing device or a mobile computing device. | 07-10-2014 |
20140195362 | REMOTE TRANSACTION PROCESSING WITH A POINT-OF-ENTRY TERMINAL USING BLUETOOTH - 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. | 07-10-2014 |
20140195363 | ELECTRONIC PAYMENT PROCESSING SYSTEM - An electronic method of making a merchant payment comprising: | 07-10-2014 |
20140201014 | PROCESS FOR PAYMENT BY CELL PHONE TO A MERCHANT OBJECT OF THE INVENTION - The cell phone user interested in paying for his/her purchases in commercial establishments without the need to physically use a credit card installs in his/her cell phone an mPAY application configured to make payments through the cell phone. The commercial establishment, in which the mPAY customer has made his/her purchase, makes from his/her mPOS application, configured to accept payments from cell phones provided with mPAY, a payment request to the mPAY/mPOS server, which is the remote system which allows asynchronous communication between the mobile payment application of the customer's cell phone and the mPOS application of the commercial establishment, sends a PUSH message to the customer's cell phone activating therewith the mobile payment application thereof. | 07-17-2014 |
20140201015 | ADJUSTABLE KIOSK SYSTEM - A kiosk system includes: a flexible bendable user interactive display screen capable of operation when contorted, twisted or bent into different physical configurations; an operational interface in communications with the display screen; a network for access to and from the display screen via the operational interface; and a computer system for providing and receiving data to and from the display screen via the network. | 07-17-2014 |
20140201016 | PORTABLE ELECTRONIC DEVICE HAVING A MEMORY CARD MODULE FOR CONDUCTING ELECTRONIC TRANSACTIONS - A portable electronic device is provided for conducting an electronic transaction with a point-of-sale (POS) terminal, and includes a device processor, and a memory card module. The memory card module includes a transceiver unit to receive transaction data from the POS terminal, a storage unit including a working zone and a hidden zone that stores the transaction data, and a processing unit. The transaction data stored in the hidden zone is accessible only to the processing unit. The processing unit is responsive to control by the device processor that executes a read-only control application stored in the working zone for accessing the transaction data stored in the hidden zone. | 07-17-2014 |
20140207591 | INTEGRATING LOCAL PRODUCTS INTO GLOBAL WEB SERVICES, - Systems and methods are disclosed herein for integrating locally carried products into web services provided by a global server. A user computing device, such as a mobile phone, is used to scan optical codes for products. A product identifier extracted from the optical code is used to request product information from a global server system with respect to the product or to take an action with respect to the product, such as adding the product to an electronic shopping cart. For locally carried products, notice may be provided to the user computing device to scan the product using an in-store scanner. Upon scanning the optical code, the in-store scanner retrieves product information from a local server system and encodes this information in an optical code, which the user computing device scans in order to use with respect to a web service or web-integrated transaction. | 07-24-2014 |
20140207592 | Real-Time Transaction Data Processing and Reporting Platform - A processing server may receive transaction data from one or more point of sale (POS) terminals in near real-time. Transaction data received from each of the POS terminals may be in a format that is specific to the POS terminal. Upon receiving the transaction data having the POS specific format, the processing server may convert the transaction data to a common format that is compatible with the operations of the processing server. Further, the processing server may index the converted transaction data into one or more categories. Responsive to indexing, the processing server may generate aggregate data from the indexed transaction data. Further, the processing server may receive a request for a data report associated with the aggregate data. Responsive to receiving the request, the processing server may generate the data report, format the data report to match a user preference, and transmit the data report for presentation. | 07-24-2014 |
20140207593 | COMBINATION PAYMENT CARD AND METHODS THEREOF - Systems and methods for processing payment transactions using combination payment cards. The combination payment card is associated with an open-loop account and one or more closed-loop accounts. Transaction information is received from a point-of-sale device. At least one of the closed-loop and open-loop account is debited. | 07-24-2014 |
20140207594 | SYSTEM, METHOD, AND APPARATUS TO FACILITATE COMMERCE AND SALES - A system and method for conducting commerce and sales operations is disclosed. A sales representative identifies a customer, chooses a product, and completes a sales transaction using a front-end POS software application. The sales data is transferred to a central storage server, where a master database is created with the data from the front-end POS software application. The central storage server transmits and receives data from back-end corporate servers and databases and creates a master database containing data from corporate applications. The front-end POS software devices uses a holster that includes a docking station, sliding cradle for a mobile device, a card reader, and an infrared scanner to identify products and complete payment. | 07-24-2014 |
20140207595 | SYSTEM, METHOD AND APPARATUS TO FACILITATE COMMERCE AND SALES - A system and method for conducting commerce and sales operations is disclosed. A sales representative identifies a customer, chooses a product, and completes a sales transaction using a front-end POS software application. The sales data is transferred to a central storage server, where a master database is created with the data from the front-end POS software application. The central storage server transmits and receives data from back-end corporate servers and databases and creates a master database containing data from corporate applications. The front-end POS software devices uses a holster that includes a docking station, sliding cradle for a mobile device, a card reader, and an infrared scanner to identify products and complete payment. | 07-24-2014 |
20140207596 | AUTOMATED TRANSACTION MACHINE - An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the course of delivering the goods or services offered, so for example in a combination ATM and Internet kiosk the same credit card or smart card reader is used for both the ATM and the Internet kiosk functions, the same control screen activates the ATM functions and the Internet functions, and etc. | 07-24-2014 |
20140207597 | SYSTEM, METHOD, AND APPARATUS TO FACILITATE COMMERCE AND SALES - A system and method for conducting commerce and sales operations is disclosed. A sales representative identifies a customer, chooses a product, and completes a sales transaction using a front-end POS software application. The sales data is transferred to a central storage server, where a master database is created with the data from the front-end POS software application. The central storage server transmits and receives data from back-end corporate servers and databases and creates a master database containing data from corporate applications. The front-end POS software devices uses a holster that includes a docking station, sliding cradle for a mobile device, a card reader, and an infrared scanner to identify products and complete payment. | 07-24-2014 |
20140214570 | METHOD AND SYSTEM FOR CONTENT SUBMISSION CONTINUATION - Techniques for collection of user-generated content, such as reviews and/or ratings relating to products, are described. User-generated content relating to an opinion of a product may be received at a first location, such as a point of sale of the product (e.g., content may be collected by a device at a store). A record corresponding to the received user-generated content may be stored, and a reference that is usable to provide access from a second location (e.g., from computer system at a consumer's home) to modify the stored record may be provided. The provided reference may be usable by a consumer to submit additional information to the initially-submitted content and/or to revise the originally-submitted information. Authenticity-screening rules may be employed to mitigate opportunities for submission of fraudulent reviews. | 07-31-2014 |
20140214571 | NOTIFYING AN ATTENDANT WHEN A CUSTOMER SCANS AN OVERSIZED ITEM - A computer-implemented method for providing a product to a user includes determining that an item obtained by a mobile computing device corresponding to the user is indicative of an oversized item. A first notification is generated indicating the oversized item and retrieval information related to the oversized item. The first notification is transmitted to a first facility computing device corresponding to a first facility attendant. When the user completes a transaction for the purchase of the oversized product at one of the point of sale terminal, terminal information related to the point of sale terminal is obtained. A second notification is generated related to the terminal information. The second notification is transmitted to a second facility computing device corresponding to a second facility attendant. | 07-31-2014 |
20140214572 | Systems And Methods For Retrieving Items For A Customer At Checkout - Systems and methods are disclosed herein for processing transactions at an in-store POS where some of the items of the transaction have not been retrieved, i.e. the customer neglected to add a needed item to a shopping cart. A customer selects a product on a user computing device and invokes display of an optical code corresponding to an unretrieved product. A point of sale (POS) device then scans the optical code to add the product to the transaction. The POS device or user computing device may transmit an alert to a representative computing device instructing a store representative to retrieve the product and deliver it to the POS or some other location. | 07-31-2014 |
20140214573 | Helping Customers Select A Checkout Lane With Relative Low Congestion - The present invention extends to methods, systems, and computer program products for helping customers select lesser congested checkout lanes. A cashier can adjust a user-interface control to indicate customer congestion at his or her checkout lane. The indicated customer congestion is combined with indicated customer congestions for other checkout lanes (which may be more or less congested). The combined indicated customer congestions are used to form a lane congestion report for a physical store location. The lane congestion report can be sent to and presented at customer mobile devices at or near the physical store location. Customers can use the information presented in the lane congestion report to select a lesser congested checkout lane. | 07-31-2014 |
20140214574 | Method To Facilitate An In-Store Audit After Issuance Of An Electronic Receipt - Techniques for allowing a store security associate to complete a purchase audit for a customer leaving a brick and mortar store are disclosed. The techniques include preparing an electronic receipt for completed purchase transaction and transmitting a copy of the electronic receipt to a store audit electronic device at the brick and mortar store. The techniques also include receiving customer information into the store audit electronic device to identify the copy of the electronic receipt associated with a customer, displaying the copy of the electronic receipt on the store audit electronic device, and reviewing the copy of the electronic receipt on the store audit electronic device to verify that the customer has purchased items which are in the customer's possession as the customer exits the store. | 07-31-2014 |
20140214575 | System and Method for Electronic Prepaid Account Replenishment - A method for crediting a customer account maintained by a vendor of services in response to payment received from a customer is disclosed herein. The method includes issuing, to the customer, a membership account number associated with at least the customer account. A membership account number and a payment corresponding to a requested amount of a service offered by the vendor are received from the customer at a point-of-sale. The method further includes generating, at the point-of-sale, an authorization message including at least the membership account number and embedded transaction information identifying the service offered by the vendor and the requested amount. The embedded transaction information is then communicated from the point-of-sale to a database server. The customer account is credited, in response to the embedded transaction information, based upon an amount of the payment. The method also includes electronically transferring funds based upon the amount of the payment from a first account associated with the point-of-sale to a second account associated with the vendor. | 07-31-2014 |
20140214576 | METHOD AND SYSTEM FOR IMPROVING THE COLLECTION SYSTEMS - A method of updating a cash register system ( | 07-31-2014 |
20140222597 | INTELLIGENT MOBILE PAYMENT SYSTEM AND METHOD - An intelligent wallet (IW) computer device is provided for recommending a payment card from a plurality of payment cards to a cardholder for use in a payment transaction with a merchant. The IW computer device includes a memory device for storing data and a processor in communication with the memory device. The processor is programmed to receive event data and transaction data associated with the payment transaction. The transaction data includes product identifier data and purchase amount data. The processor is further programmed to receive payment card rules and cardholder preferences for each of the plurality of payment cards associated with the cardholder and to recommend a candidate payment card from the plurality of payment cards. The candidate payment card is recommended by processing the event data and the transaction data with the payment card rules and the cardholder preferences. | 08-07-2014 |
20140222598 | COMMODITY SALES DATA PROCESSING APPARATUS, PORTABLE TERMINAL AND METHOD - A commodity sales data processing apparatus comprises a wireless communication section; an input section configured to input commodity specification information specifying a commodity; a determination unit configured to determine whether or not wireless communication with a portable terminal of a customer is established; and a communication unit configured to wirelessly transmit information for the display of settlement information based on the commodity specification information input from the input section on the portable terminal from the wireless communication section to the portable terminal on condition that the determination unit determines that wireless communication with the portable terminal is established. | 08-07-2014 |
20140222599 | Integrated Communications Network For Transactions - An integrated communications network may be integrated with existing payment systems to provide for more efficient and secure payment related communications. The integrated communications network may use mobile network protocol encapsulation to provide more efficient, faster, and more robust payment related communications to a payment processor across a mobile network. The integrated communications network may implement a location-aware network communications system that may allow a payment processor to obtain additional information about a consumer using a location-aware header of a network communication. | 08-07-2014 |
20140222600 | METHOD AND APPARATUS FOR FULFILLING PURCHASES - A method and apparatus for fulfilling purchases is disclosed. A system that incorporates teachings of the present disclosure can include, for example, a portable communication device having a controller element that receives from an online system a barcode image as an object of acknowledgment of a product purchased from said online system, and presents on a display of the portable communication device said barcode image to complete a purchase fulfillment process by way of at least one among a visual inspection of the barcode image by a merchant employee and processing of said barcode image by a point of sale (POS) device. Additional embodiments are disclosed. | 08-07-2014 |
20140244414 | MONEY TRANSFER SYSTEM HAVING LOCATION BASED LANGUAGE AND DYNAMIC RECEIPT CAPABILITIES - A method for operating a transaction processing system to provide location based language capabilities and dynamic receipts in connection with money transfer services. One embodiment includes storing, in a database, information representative of transaction location based attributes and associated one or more languages, and storing information representative of receipt field attributes and associated receipt fields. Send and/or receive transaction requests from points of sale are received at a transaction processor. The received transaction requests are processed using the stored information in the database to identify transaction location attributes of the requests and the associated one or more languages, and processed using the information stored in the database to identify receipt field attributes of the requests and to determine the associated receipt fields. Receipt information representative of receipts provided in the identified one or more languages and having the determined fields is sent from the processor to the points of sale. | 08-28-2014 |
20140249946 | SYSTEM AND METHOD OF CARDHOLDER VERIFICATION - A card number and an address are requested from a customer at a POS device. An AVS system compares the customer-provided address against a billing address or record for the card that is maintained by a card issuer. If the address provided by the customer matches the billing address of record, a second card number is requested from customer. That second card number is sent to the AVS system and the billing address stored by the issuer for the second card number is also checked against the address provided by the customer. | 09-04-2014 |
20140249947 | STORE MOBILE CLOUD APPLICATION SYSTEM FOR INVENTORY MANAGEMENT AND CUSTOMER ORDER FULFILLMENT AND METHOD FOR RETAIL ESTABLISHMENT - A store mobile cloud application system executes a retail store purchasing system having plurality of barcode scanners and scan guns integrated with a mobile tablet device carried by employees. The mobile tablet device is rotatably attached to a base housing directly below it connected by a base mount universal receiver with rotatable coupling. The Main PCB has an EEPROM controlling operations of the USB devices including the scanner and an MSR. The mobile tablet device has mobile applications which allow wireless communication with a POS store systems server and the corporate ERP system, and also commands the EEPROM. Scanned data involving a product to be purchased is received by the mobile tablet device and sent wirelessly to the POS store systems server to obtain product data. The allocation of inventory sold, but not available in the store, are processed real-time through the corporate ERP system and available for review chain-wide. | 09-04-2014 |
20140249948 | MOBILE CHECKOUT SYSTEMS AND METHODS - A mobile checkout system and method for completing a purchase transaction to purchase items from an internet merchant. A user browses and selects items for purchase from the merchant through a shopping application or browser. During the processing of the transaction, a checkout application installed on a mobile communication device is launched. The checkout application receives a checkout token created by a checkout server that identifies the purchase transaction. The checkout application uses this token and communicates with the checkout server to cause the checkout server to complete the purchase transaction. When the transaction is complete, the shopping application or browser is relaunched and a results page is displayed. | 09-04-2014 |
20140249949 | CONSUMER PROCESSING SYSTEM AND METHOD - Disclosed is a consumer processing system for identifying and recognizing a consumer engaged in a transaction with a merchant. The system includes a consumer processing system interface for receiving, from a merchant, a consumer/transaction data set with a plurality of fields. A consumer/transaction database is populated with data sets, and each data set is related to a specific consumer and also includes multiple data fields therein. The consumer/transaction data set is established as part of an initial data set in the consumer/transaction database, and thereafter, during subsequent transactions, compared to an existing data field in an existing data set in the consumer/transaction database. Based upon the establishment or comparison, a consumer activity data set is communicated from the consumer processing system interface to the merchant. A method of identifying and recognizing a consumer engaged in a transaction with a merchant is also disclosed. | 09-04-2014 |
20140258010 | DELEGATION PAYMENT WITH PICTURE - A user who is authorizing a delegate to make a purchase using funds from an account of the user sends information to a payment provider. The information includes a picture of the delegate, along with information such as a merchant name, a maximum amount, a type of purchase, item information, and/or any other transaction limitations/restrictions. The payment provider then transmits this information to the merchant. A one-time code or number may be communicated to the delegate. When the delegate is ready to make a payment with the user account, the delegate gives the delegate's name and/or other identifying information to the merchant, along with the payment code. The merchant enters the information and is shown a picture of the delegate. If there is a match, the payment may be submitted for processing. In one embodiment, a photo of the delegate may be taken by the merchant and the image transmitted to the user. The user may then be requested to confirm the delegate as an authorized delegate. | 09-11-2014 |
20140258011 | APPARATUS, SYSTEMS AND METHODS FOR WIRELESSLY TRANSACTING FINANCIAL TRANSFERS, ELECTRONICALLY RECORDABLE AUTHORIZATION TRANSFERS, AND OTHER INFORMATION TRANSFERS - The present invention provides apparatus, systems and methods to wirelessly pay for purchases, electronically interface with financial accounting systems, and electronically record and wirelessly communicate authorization transactions using Personal Digital Assistant (“PDA”) (also referred to as Personal Intelligent Communicators (PICs), and Personal Communicators), palm computers, intelligent handheld cellular and other wireless telephones, and other personal handheld electronic devices configured with infrared or other short range data communications (for referential simplicity, such devices are referred to herein as “PDA's”). The present invention further provides apparatus, firmware, software programs and computer-implemented methods for making service and/or sale service charge payments for credit card charges, debit card charges, electronic cash transfers, ticket and other like financial transactions and for other types of transactions, such as for electronic coupons, where the amount of the transaction is for a small amount of money, such as, for example, less than $5.00. | 09-11-2014 |
20140279105 | Method for Vehicle Sale or Lease - Disclosed herein is a method for a sale or lease of a vehicle. The method is performed by a software application, and the software application's primary focus is facilitating the negotiation. The method includes various steps. One step is receiving confirmation that an in-person meeting between a merchant representative and a buyer has occurred. Another step is receiving inputs from the merchant representative who is initiating a transaction. These inputs being received are from a device used by the merchant representative, and the transaction is for the sale or the lease of the vehicle. Yet another step is receiving inputs for processing the transaction from both the merchant representative and the buyer. These inputs for processing the transaction facilitate a negotiation on sale or lease terms between the merchant representative and the buyer. | 09-18-2014 |
20140279106 | SYSTEM AND METHOD FOR ORGANIZING ELECTRONIC MOBILE PAYMENT TRANSACTIONS - A system for organizing electronic mobile payment transactions using a mobile device that uses electronic payment systems utilizing a digital wallet to make payments to a vendor is provided. The vendor's POS system the payment network and the digital wallet have a plurality of components for generating a digital receipt for use by the mobile device. The system includes an apparatus for hosting the digital wallet; a first communication channel for communication of the location of the payer's digital wallet as the destination where the receipt shall be sent; a second communication channel for transmitting data concerning the purchase to the apparatus in a form useful to the apparatus so that the merchant generates the contents of a digital receipt that has data fields such that data can be stored for retrieval. The system also includes at least one application available to the mobile device that permits the data in the data fields to undergo data processing to be manipulated by a user of the mobile device for presentation on the mobile device. | 09-18-2014 |
20140279107 | SYSTEMS AND METHODS FOR INTEGRATED, SECURE POINT-OF-SALE TRANSACTIONS - A system having a base station having a Wi-Fi communication module, a first Wi-Fi transportation application that controls the Wi-Fi communication module; and a mobile device having a Point of Sale (POS) module configured to perform Point of Sale operations, a Wi-Fi Communication module, a second Wi-Fi transportation authority that controls the POS module, and the Wi-Fi communications module; wherein the first Wi-Fi transportation application prevents the base station from communicating with the mobile device unless the second Wi-Fi transportation application has been authenticated by the first Wi-Fi transportation application; and wherein the second Wi-Fi transportation application prevents the mobile device from communicating with base station unless the first Wi-Fi transportation application has been authenticated by the second Wi-Fi transportation application. | 09-18-2014 |
20140279108 | SYSTEMS AND METHODS FOR INTEGRATED, SECURE POINT-OF-SALE TRANSACTIONS HAVING A TERMINAL MANAGEMENT SYSTEM - A system for processing transactions, having a base station having a processor, a storage device configured to store a payment module, downloaded from a module provider, a Wi-Fi communication module, and a terminal management system configured to control the processor, storage device and the Wi-Fi communication module; and at least one mobile device having a processor, a payment user interface configured to allow a user to perform payment transactions with the payment module, a Point of Sale (POS) module configured to perform Point of Sale operations, and a Wi-Fi Communication module, wherein the terminal management system is configured to authenticate a payment module being downloaded and to cause the processor of the base station to prevent the payment module from being installed on the storage device if the payment module is not authenticated by the terminal management system. | 09-18-2014 |
20140279109 | SYSTEMS AND METHODS FOR INTEGRATED, SECURE POINT-OF-SALE TRANSACTIONS HAVING A PERIPHERAL AUTHENTICATION PROTOCOL - A system having a base station having a first Wi-Fi transportation, and a mobile device having a second Wi-Fi transportation Application, a peripheral device configured to communicate with the base station and the mobile device, the peripheral device having a third Wi-Fi transportation application, wherein the first Wi-Fi transportation application prevents the base station from communicating with the peripheral device and the second Wi-Fi transportation application prevents the mobile device from communicating with the peripheral device unless the third Wi-Fi transportation application has been authenticated by the first and second Wi-Fi transportation applications, and wherein the third Wi-Fi transportation application prevents the peripheral device from communicating with the base station and the mobile device unless the first and second Wi-Fi transportation applications have been authenticated by the third Wi-Fi transportation application. | 09-18-2014 |
20140279110 | SYSTEMS AND METHODS FOR INTEGRATED, SECURE POINT-OF-SALE TRANSACTIONS HAVING AN ADJUSTABLE BASE STATION - A system for processing transactions, having at least one mobile device having a housing having a processor, and a Wi-Fi Communication module disposed therein; a base station having a base station housing, wherein the base station housing houses an embedded system including a processor; and a Wi-Fi communication module configured to communicate with the Wi-Fi communication module of the at least one mobile device; a support stand configured to support the at least one mobile device, wherein the support stand comprises at least one arm having an adjustable position and configured to move to adjust the size of the support stand based on a size of the at least one mobile device; and at least one peripheral device connected to the base station. | 09-18-2014 |
20140279111 | SYSTEM AND METHOD FOR AUTHORIZING A MOBILE PAYMENT TRANSACTION - A method for authorizing a mobile payment transaction is provided. The method includes receiving, by a server, a request to authorize a payment transaction which originates from a mobile payment point of sale (POS) module. In an embodiment, the request includes payment information of the payment transaction and location information of the POS module. When the request is received, an authorizing client device for the payment transaction is identified based on the payment information and a disposition of the request to authorize the payment transaction is determined based on whether the authorizing client device is located within a predetermined proximity to the POS module. | 09-18-2014 |
20140279112 | CONDUCTING A TRANSACTION AT A MOBILE POS TERMINAL USING A DEFINED STRUCTURE - A system and method configured for conducting a transaction between two parties using a mobile device, or a plurality of mobile devices. In various embodiments, a system for conducting a transaction can comprise an accessory device having an accessory device module and a hardware component, where the accessory device can have various accessory device capabilities. The system can further comprise a mobile device SDK incorporated into the client application and in communication with the accessory device, where the mobile device SDK includes an accessory conversion module in communication with the accessory device module and where the mobile device SDK provides data to the client application. The client application can request accessory device information and receive accessory device capabilities, and the transaction data for the transaction can be provided in a defined structure between the accessory device and the client application via the mobile device SDK. | 09-18-2014 |
20140279113 | System and Method to Reduce Misuse of a Financial Instrument at a Point-of-Sale Location - Disclosed are systems and methods of utilizing an initial, automatic authentication of a financial instrument user's identity when the user attempts to make a purchase with a financial instrument at a point-of-sale. Many financial instrument users have cell phones which are able to be located, and users often carry their phones with them when making purchases. An initial authentication of the identity of a credit card user could be made by comparing the location of the point-of-sale with the location of the card user's registered cell phone. | 09-18-2014 |
20140279114 | Systems and Methods for Single Swipe Cross-Channel Sales - This disclosure relates to methods and systems for selling products across sales channels in a single swipe transaction. In one aspect a method for purchasing products is disclosed. The method includes identifying a first product to be purchased from a first sales channel, determining whether the first product is available from the first sales channel, in response to determining that the first product is not available from the first sales channel, determining whether the first product is available from a second sales channel, in response to determining that the first product is available from the second sales channel, adding the first product from the second sales channel to the transaction, and selling the first product from the second sales channel, wherein the transaction is completed with a single tender. | 09-18-2014 |
20140279115 | MOBILE PAYMENT USING CLOUD COMPUTING - A method for mobile payment selecting a payment method for a purchase request using an application, sending a request including identification information for the selected payment method to a financial entity server in a cloud computing environment, responding to an attestation request sent from the financial entity server to the application, providing mobile subscriber information to the financial entity server from a network operator, receiving a signed digital certificate for the selected payment method from the financial entity server, sending the digital certificate for payment processing from the electronic device to a payment method reader, and completing the purchase request upon verification of the digital certificate. | 09-18-2014 |
20140279116 | SYSTEMS AND METHODS FOR INTEGRATED, SECURE POINT-OF-SALE TRANSACTIONS - A system having a base station having a Wi-Fi communication module, a first Wi-Fi transportation application that controls the Wi-Fi communication module; and a mobile device having a Point of Sale (POS) module configured to perform Point of Sale operations, a Wi-Fi Communication module, a second Wi-Fi transportation authority that controls the POS module, and the Wi-Fi communications module; wherein the first Wi-Fi transportation application prevents the base station from communicating with the mobile device unless the second Wi-Fi transportation application has been authenticated by the first Wi-Fi transportation application; and wherein the second Wi-Fi transportation application prevents the mobile device from communicating with base station unless the first Wi-Fi transportation application has been authenticated by the second Wi-Fi transportation application. | 09-18-2014 |
20140279117 | SUBSCRIPTION AND MEMBERSHIP BASED CREDIT CARD PROCESSING SYSTEM - A method for implementing a flat fee structure for credit card processing, which simplifies the fees charged to a merchant from an ISO. The flat rate processing fee may cover processing for a particular merchant for a specified period of time. | 09-18-2014 |
20140279118 | METHOD AND SYSTEM FOR OFFERING A CREDIT PRODUCT BY A CREDIT ISSUER TO A CONSUMER AT A POINT-OF-SALE - A method for offering at least one credit product by at least one credit issuer to a consumer at a point-of-sale between a merchant and the consumer. The method includes the steps of: providing a credit issuer data set including a plurality of data fields to a central database; initiating a transaction between the consumer and the merchant at the point-of-sale; offering, to the consumer at the point-of-sale, the at least one credit product; and presenting, to the consumer at the point-of-sale, at least one data field in the credit issuer data set. The at least one data field presented to the consumer is populated with data directed to the credit product, the credit issuer, or any combination thereof. An apparatus and system are also disclosed. | 09-18-2014 |
20140289061 | POINT-OF-SALE TERMINAL BASED MOBILE ELECTRONIC WALLET REGISTRATION, AUTHORIZATION AND SETTLEMENT - Methods for conducting a transaction of a mobile electronic wallet (EW) with a merchant electronic point-of sale (POS) terminal include use of the POS terminal to provide authorization for the transaction directly to an EW terminal server (TS) without involvement of a transaction gateway. The EW-TS receives a transaction request from an authenticated EW application in a mobile device and provides an approval for stored EW-TS card data delivered to the POS terminal The POS terminal authorizes the transaction and submits the authorization request to a host processor. In some embodiments, the POS terminal also enrolls an EW in a mobile EW program. In some embodiments, the POS terminal also settles the transaction. In some embodiments, an EW sends checking account information to be proceessed by check services of the POS terminal. In some embodiments, additional consumer payment data is captured during the EW enrollment. | 09-25-2014 |
20140297434 | APPARATUS AND METHOD FOR A WIRELESS POINT OF SALE TERMINAL - A wireless point of sale (POS) transaction terminal, for acceptance of bankcard payment pursuant to a sales transaction has a mobile and portable wireless device that communicates wirelessly via a wireless communication network to a payment system. The wireless device wirelessly sends a payment authorization request record incident to a payment for a sales transaction to the payment system for forwarding via a gateway to a card authorization network. The wireless device then wirelessly receives from the payment system a payment approval record for the sales transaction. | 10-02-2014 |
20140297435 | BANK CARD SECURED PAYMENT SYSTEM AND METHOD USING REAL-TIME COMMUNICATION TECHNOLOGY - A bank card secured payment system and method using real-time communication technology includes a bank card account and cellular phone, merchant's transaction terminal, payment network, account security server, wherein the account security server is equipped with real-time server end software for real-time communication technology. The cellular phone uses real-time communication application to connect to the account security server and links to the bank card. When the payment network receives transaction request relating to the bank card account from a merchant's transaction terminal the payment network performs a security verification process using real-time communication technology via the account security server and the user's cellular phone that is linked to the user's bank card account, which serves to authenticate the security verification of the user's identity, in which case the transaction request will proceed, otherwise the transaction request would be properly declined. | 10-02-2014 |
20140297436 | Flexible Financial Services Terminal and Methods of Operation - A flexible financial services terminal and methods of operation is presented. The flexible financial services terminal provides a list of financial services to a customer. The customer selects a financial service and provides requested information related to the selected financial service. After the customer information is entered, a cashier trained in money transfers is called to the terminal to review the information and approve the financial service. Each financial service approved by the cashier is processed by the terminal and a fee is charged to the customer. The terminal further performs a purchase transaction that includes the fee for the financial service and receives payment from the customer for the purchase. | 10-02-2014 |
20140297437 | METHOD FOR RAPID DEVELOPMENT OF SCHEDULE CONTROLED NETWORKABLE MERCHANT ECOMMERCE SITES - An improved computerized ecommerce method, optimized for smaller merchants such as florists who often provide seasonal perishable gifts that require local delivery, and who often desire to form cooperative networks with local merchants offering related gift services, as well as other related merchants such as other florists in more distant locations. The web server based method allows merchants to easily set up non-static (time variable) websites that automatically provide schedule driven promotions. New products can be quickly uploaded from smartphones, and sophisticated time and location aware algorithms can compute accurate delivery costs and make such costs transparent to customers. Other participating merchants can be easily added to the system to form local and distant cooperative merchant networks. The system simplifies customer use of promotional offers by cross checking customer URL versus promotion lists. Recipient gift appreciation is optimized by providing interfaces to allow customer designed gift cards and messages. | 10-02-2014 |
20140297438 | METHOD AND SYSTEM OF PROCESSING PAYMENTS USING A PROXY CREDENTIAL - A novel system and methodology for conducting financial and other transactions using a wireless device. Credentials may be selectively issued by issuers such as credit card companies, banks, and merchants to consumers permitting the specific consumer to conduct a transaction according to the authorization given as reflected by the credential or set of credentials. The preferred mechanism for controlling and distributing credentials according to the present invention is through one or more publicly accessible networks such as the Internet wherein the system design and operating characteristics are in conformance with the standards and other specific requirements of the chosen network or set of networks. Credentials are ultimately supplied to a handheld device such as a mobile telephone via a wireless network. The user holding the credential may then use the handheld device to conduct the authorized transaction or set of transactions via, for example, a short range wireless link with a point-of-sale terminal. | 10-02-2014 |
20140297439 | CUSTOMER INITIATED PAYMENT METHOD USING MOBILE DEVICE - The invention concerns a method of making a payment transaction by a customer including steps of receiving, by a mobile device ( | 10-02-2014 |
20140297440 | SECURE TWO PARTY MATCHING TRANSACTION SYSTEM - The invention relates to a method, and an arrangement (A) for identifying a purchaser ( | 10-02-2014 |
20140304095 | PERSONALIZED MOBILE BANKING TRANSACTIONS AT A SERVER WITHOUT AUTHENTICATION - 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. | 10-09-2014 |
20140310115 | PRODUCTS AND PROCESSES FOR PROMOTING MULTIPLE TRANSACTIONS AT A RETAIL ESTABLISHMENT - According to an embodiment of the invention, products and processes are disclosed for receiving, via a point-of-sale terminal that is not a vending machine, an indication of a set of products which a customer desires to purchase. At least one product is offered to the customer via the point-of-sale terminal, and an acceptance of the offer is received. Thereafter a request to receive the product is received. A unit of the product is dispensed via the vending machine. | 10-16-2014 |
20140310116 | SYSTEMS AND/OR METHODS FOR SELLING NON-INVENTORY ITEMS AT POINT-OF-SALE (POS) LOCATIONS - Certain exemplary embodiments relate to techniques for order processing. A data feed including unique identifiers of purchased products, together with pairs of order numbers and product identifiers for products ordered from, but not delivered by, a store, is received at an electronic registration system. For each entry therein, a corresponding record in an ER database is created, and a message is transmitted to a supplier of an ordered product indicating that payment has been received for that product when it is determined that the entry is a corresponding order number/product identifier pair. This determination may be based on different masks used in creating a part of the unique identifier, and the order number, respectively. An indication that a product has been or is being shipped, along with a serial number for that product, is received from the supplier, and the ER database is updated as appropriate. | 10-16-2014 |
20140316918 | SYSTEM AND METHOD FOR ENABLING A USER TO SELECT A SECURABLE DEVICE THROUGHOUT MULTIPLE SECURABLE DEVICE STATIONS - A system and method of provisioning a securable device may include providing a plurality of securable device stations, each securable device station including (i) a controller and (ii) a set of securable devices in local communication with the controller, the controller being configured to enable a user to initiate access to a securable device from a set of securable devices. In response to a first controller of a first securable device station receiving (i) an access indicia and (ii) rental parameter that enables the user to access a securable device located in at least two of the securable device stations from a user, the first controller may communicate the access indicia and rental parameter to a network address that enables, by a second controller, the user to access a securable device at the second securable device station as provided by the rental parameter. | 10-23-2014 |
20140324610 | Techniques for Kiosk Transactions - Techniques for transacting with a kiosk are provided. A user activates a remoting feature of a kiosk. A kiosk agent on the kiosk directly or indirectly causes a link to be sent to a mobile device of the user. The link when activated on the mobile device providing an interface for transacting with the kiosk from the mobile device. | 10-30-2014 |
20140324611 | REAL-TIME PRODUCT DELIVERY DURING CUSTOMER-DRIVEN POINT OF SALE RETAIL TRANSACTIONS - According to one embodiment of the present disclosure, an approach is provided in which a product request is received that corresponds to a point-of-sale (POS) device, which is located at a merchant facility. In addition to identifying a product location corresponding to the product, an employee location of an employee in proximity to the product location is also identified. In turn, an electronic message is sent to the employee's mobile device that includes a request to transport the product from the product location to the POS device. | 10-30-2014 |
20140324612 | FINANCIAL TRANSACTION APPROVAL SYSTEM AND METHOD - A method includes processing a plurality of items for purchase using a transaction approval system. Before processing ends, the transaction approval system is used to provide an offer to electronically receive from a consumer at least one of identification of a financial account and approval from the consumer to charge a total cost of the plurality of items to the financial account, and after processing ends, the total cost of the plurality of items is determined. If the consumer did not provide one or more of identification of the financial account and approval in response to the offer, then, after determining the total cost of the plurality of items, the transaction approval system is used to electronically prompt the consumer for and to electronically receive at least one of the identification of the financial account and approval from the consumer to charge the total cost to the financial account. | 10-30-2014 |
20140330659 | USING VOICE INPUT AT A MOBILE POINT OF SALE - A method, system, and computer-readable storage medium for using voice input at a mobile point-of-sale (POS) are disclosed. For example, one method involves receiving a voice input, where the receiving is performed by a mobile POS (MPOS) device. The method also involves determining, based on the voice input, whether to use voice-based processing. In response to a determination to use the voice-based processing, performing voice-based processing, including selecting a first workflow based on the voice input, and performing a first portion of the first workflow based on the voice input. The first portion of the first workflow is performed by the MPOS device. The method also includes determining whether to perform a second portion of the first workflow based on another voice input. | 11-06-2014 |
20140330660 | STORED VALUE CARD KIOSK SYSTEM AND METHOD - A stored value card activation system includes a server in communication with one or more computing devices configured in kiosks. The server receives stored value card type information associated with one of multiple non-activated stored value cards from the computing device. The server also receives monetary amount information to be associated with the selected stored value card from the kiosk, and payment information from a user of the kiosk. From this information, the server conducts a financial transaction with a financial account server associated with an account of the user, and activates the selected stored value card in accordance with the financial transaction. | 11-06-2014 |
20140344085 | METHOD AND SYSTEM FOR PRESENCE BASED MOBILE PAYMENT - A method for presence based mobile payment comprises receiving, from a user, a request for registration with a mobile payment service, registering, by the mobile payment service, the user based on the request, broadcasting, by a point of sale (PoS) system and through an advertising channel, an identification of a transaction, wherein the transaction comprises an item, wherein the advertising channel is used for discovery of available devices, and wherein the user is purchasing the item at the PoS system, receiving, from a mobile device of the user, a payment authorization for the transaction, and facilitating, by the mobile payment service, payment for the transaction. | 11-20-2014 |
20140344086 | METHOD FOR IMPROVING CUSTOMER SURVEY SYSTEM - A global customer satisfaction system includes point-of-sale customer feedback terminals for receiving in-store customer feedback including satisfaction ratings and other customer feedback regarding participating vendors as the customer pays for purchases. The system also includes post-sale customer feedback terminals for receiving more detailed customer feedback regarding the vendors from members after the sales have been completed. The system also includes an aggregation and dissemination system for combining the ratings received form customers into global customer satisfaction ratings for participating vendors, and disseminating the customer satisfaction information through customer satisfaction qualified directories, which are organized or searchable by geographical, type of product or service offered by the participating vendors, and other factors. | 11-20-2014 |
20140344087 | METHOD AND APPARATUS FOR AUTOMATED SHOPPER CHECKOUT USING RADIO FREQUENCY IDENTIFICATION TECHNOLOGY - A method and apparatus involve: providing a plurality of products that are each associated with a respective radio frequency identification tag; using radio frequency identification technology to automatically identify specific products in a group of products collected by a shopper; and evaluating whether or not to obtain payment from the shopper based on the radio frequency identification of products in the group. Based on the result of the evaluation, either payment is obtained from the shopper on the basis of the radio frequency identification of products in the group, or else the products in the group are audited, and then payment is obtained on the basis of the products identified by the audit. | 11-20-2014 |
20140344088 | POS PRINTING TRIGGERED BY PHARMACY PRESCRIPTION ORDERS - A system and method for printing, at a POS of a retail store, information relating to a pharmacy prescription ordered in a pharmacy of said retail store, comprises determining in a PM CS of the pharmacy a payloadiD to associate with a prescription order and printing by the PM CS information associated with said first prescription order. Then, a POS CS reading the printing at a POS of the retail store resulting in said POS CS printing a payload associated with the payloadiD in the memory of the POS CS. | 11-20-2014 |
20140351072 | SPLIT TENDER IN A PREPAID ARCHITECTURE - A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant. | 11-27-2014 |
20140358709 | Card Present Transaction Authentication by Short Messaging Service - A method and system for internet purchasing from a mobile phone handset is provided. The method includes a remote point-of-sale (POS) payment system determining card present information from payment information of the mobile phone handset via user transparent short messaging service (SMS) communication, wherein the payment information comprises one or more of credit card information and value-added services information. The method also includes the remote POS payment system forwarding the card present information to a merchant server and the merchant server transmitting the card present information to a payment acquirer system. | 12-04-2014 |
20140365323 | KIOSK SYSTEM FOR PROVIDING INFORMATION AND SERVICES DESCRIPTION - The invention relates to a kiosk system comprising: a first kiosk and a second kiosk; a first device connected to said first kiosk and a second device connected to said second kiosk; a kiosk manager configured to manage said first and second kiosks; and a network connection between said kiosk manager and said first and second kiosks, wherein each of said first and second kiosks comprises a virtual layer comprising characteristics which are representative of the device connected thereto; and said kiosk manager is configured to connect said first and second kiosks as a function of said representative characteristics, thereby forming a kiosk subnetwork. | 12-11-2014 |
20140372234 | MERCHANT CONTROLLED POINT OF SALE - Computing systems and methods for facilitating merchant controlled point of sale (“POS”) transactions in retail and other establishments. These systems and methods include communication interfaces adapted to connect a computing system to remotely located devices having information regarding a plurality of third-party financial service providers, one or more storage components adapted to store merchant information, third-party financial service provider information, or both, and one or more processors in communication with the communication interfaces and storage components. Such processors facilitate merchant controlled point of sale transactions that involve receiving terms of or evaluating criteria of a transaction between a purchaser and the merchant and then selecting a particular third-party financial service provider from a plurality of possible providers to facilitate processing the transaction for the merchant based upon the specific terms or criteria of the transaction. Evaluation of criteria may be rule based and automatic, and selection of a third-party financial service provider may be immediate and real time. | 12-18-2014 |
20140372235 | SYSTEM AND METHOD FOR FACILITATING OFF-LINE SHOPPING IN-TRANSIT USING A MOBILE DEVICE OF A TRAVELER - Mobile device and method for operating the same to implement a personal mobile retail environment for off-line shopping for a traveler. Prior to the departure time the mobile device receives a mobile store definition that describes goods or services available for purchase during the transit period and available for delivery during the transit period or at the destination arrival location. The mobile store definition was previously generated based on a travel itinerary of the traveler. The mobile device also receives a charge limit indication representing a monetary limit for purchases available via the personal mobile retail environment. The mobile device provides an interactive shopping experience for the traveler based on the mobile store definition, including facilitating selection by the traveler of goods or services for purchase, and enforcing the monetary limit based on the charge limit indication. | 12-18-2014 |
20140379503 | UNIVERSAL SALES DATA PROCESSING DEVICE - A device capable of receiving, parsing, storing and sending sales data from multiple sales terminal devices ( | 12-25-2014 |
20140379504 | SYSTEM FOR MANAGING PERSONAL IDENTIFIERS AND FINANCIAL INSTRUMENT USE - A method for the secure use of a personal identifier and/or financial instrument that may take place simultaneously with traditional methods of authorization for credit card, check, funds withdraw/transfer or purchase. Authorization according to the present invention may take place as follows: A) the Owner provides a pre-approval of authorization if the request meets an array of Owner-defined parameters; B) a authorization may be granted based on proximity of the Owner to the point of use; or C) the Owner provides a real time approval by smart device. In each case the invention subjects the request for authentication to a sequential verification procedure in which the request is tested against one or more pre-defined verification protocols, the deployed authentication protocol being pre-determined by the Owner and pre-selected in accordance with a user profile that was pre-programmed by the Owner. | 12-25-2014 |
20140379505 | Electronic Transaction Record Distribution System - A system includes a computerized appliance at a point-of sale (POS) and a coupled peripheral device. The computerized appliance prepares an enhanced transaction record comprising receipt data and promotional information, and transmits the enhanced transaction record to the peripheral device, or to a third-party Internet connected repository without transmitting to the peripheral device, or transmits the enhanced transaction record to both destinations, enabling the specific consumer to contact either or both of the enterprise or the third-party, Internet-connected repository, and to interact with one or both in regard to the promotional information included in the enhanced transaction record. | 12-25-2014 |
20150019356 | SYSTEM AND METHOD FOR OVERLAYING BUSINESS DATA ON TOP OF TOUCH SCREEN TERMINALS USED IN POINT OF SALE SYSTEMS - A system is provided which includes a point of sale (POS) terminal ( | 01-15-2015 |
20150032558 | SYSTEM AND METHOD TO PURCHASE AND DISPENSE FUEL AND OTHER PRODUCTS USING A MOBILE DEVICE WITH IMPROVED USER EXPERIENCE - The system to facilitate purchase and dispense fuel from a dispensing site using a mobile device employs a site connector computer that administers a site database and provides a secure connection to the point-of-sale system. The site database stores site-specific information about the dispensing site including the site location and pump identifying information from which the number of pumps at the dispensing site may be ascertained. A mobile app server communicates with the mobile device and issues queries to the site database to obtain the pump identifying information. The mobile app server communicates the pump identifying information to the mobile device for use in making a pump selection. After pump selection by the user, the mobile app server issues a fuel purchase instruction that includes the pump selection identifier to a financial processing computer network. | 01-29-2015 |
20150032559 | MOUNT FOR A MOBILE TERMINAL DEVICE FOR USE AS A SELF-SCANNER PAYMENT SYSTEM, MOBILE TELECOMMUNICATIONS TERMINAL DEVICE, SCANNER WALL AND SOFTWARE FOR LOCKING AND/OR UNLOCKING THE MOUNT - A mount for a mobile telecommunications terminal device includes a receptacle for the mobile telecommunications terminal device, a first interface for transmitting data from the mobile telecommunications terminal device to the mount, a second interface for transmitting data from the mount to a point-of-sale or cash register system and a first fastening device for detachably fastening the mount to a shopping cart. A payment system, a mobile telecommunications terminal device, a scanner wall and software for locking and/or unlocking the mount are also provided. | 01-29-2015 |
20150046276 | Consumer Device Based Point-Of-Sale - Systems and related methods facilitating interactions between a merchant device, a central system and a consumer device are discussed herein. Wallet identifying data may be used to secure messages between the consumer device and the merchant device over a wireless link. For example, the merchant device may include circuitry configured to wirelessly receive the wallet identifying data from a consumer device and to transmit the wallet identifying data to the central system. In response, consumer identifying data associated with the wallet identifying data may be received by the merchant device from the central system. In some embodiments, the consumer identifying data may be associated with a unit of location, such as a dine-in location at a restaurant, to facilitate consumer service. | 02-12-2015 |
20150058146 | Dynamic Account Selection - Embodiments automatically select one of the multiple pre-generated payment cards provisioned on a mobile device. The multiple pre-generated payment cards (real or virtual) may each have a different credit limit. The mobile device may automatically select one of the multiple payment cards based on a transaction value of a transaction that is being conducted. An available credit limit of the selected payment card may be equal to or slightly greater than the transaction value. In some embodiments, the available credit limit of the selected payment card may be closer to the transaction value than the available credit limits of the remaining payment cards. In some embodiments, the different payment cards may be provisioned in a chip-and-pin based smart credit card or mobile wallet. | 02-26-2015 |
20150081462 | SYSTEMS AND METHODS FOR SECURE NORMATIVE INTERMEDIATION OF PAYMENTS PROCESSING PERIPHERALS - Systems and methods for secure virtualized intermediated configuration and control of payment processing peripheral devices, as may be embodied in a SNIPP system, are provided. Such systems and methods enable the request of purchaser payment information from payment processing peripheral device(s) on behalf of a POS system and the aggregation and association of that purchaser payment information with a corresponding purchase transaction received from the POS system. The purchase transaction and the payment transaction are aggregated and thereby associated; and the resulting aggregated payment transaction is submitted to an electronic payments processing facility that responds with a confirmation indicating ‘acceptance’ or ‘denial’ of the payment transaction. The confirmation is relayed to the POS system and possibly to the payment processing peripheral device(s) such that it may be displayed to the purchaser and/or an attendant. | 03-19-2015 |
20150081463 | SYSTEM AND METHOD FOR FUNDRAISING AND CHARITABLE GIVING AT A POINT OF SALE - A system and method for fundraising and charitable giving at a point of sale is disclosed. In one example of a method for fundraising and charitable giving at a point of sale includes the steps of: a customer selecting a product from a store shelf; the customer removing a fundraising tag from the product; the customer completing the information on the fundraising tag, which can include designating an organization to benefit from the fundraising; and a retailer processing the fundraising tag after receiving the completed tag from the customer at the point of sale. | 03-19-2015 |
20150088676 | POINT OF SALE NORMALIZATION AND EXTENSION SERVICES - A method and a device are disclosed including software components that run on a computing device to allow extension of services to customers of a provider of services and/or goods, such as a restaurant. The extension of services include remote pre-selection and pre-ordering of goods and services prior to making contact with a Point Of Sale (POS) by a customer, authorization and/or authentication of users, association of the customer with one of multiple POS via a Quick Response Code (QRC), updating of orders, adaptive learning of order patterns to generate customer profiles, recommendation of goods/services, normalization of data, separate billing for various payers, and the like. The software components provide a set of integrated interfaces for data communication between a customer's computing device, such as a smartphone, and the POS Normalization and Extension Services (POSNES), and between the POSNES and a business having one or more POS. | 03-26-2015 |
20150095173 | SYSTEM TO FACILITATE INTEGRATION OF SOFTWARE - A system to facilitate integration of software includes a core integration portion and first and second modules. The core integration portion includes one or more input interfaces and output interfaces. The input interfaces receive incoming data from the first module and the output interfaces interact with the second module. The core integration portion further includes a parsing unit parsing the incoming data received through the input interfaces into transformed data which is passed to the second module to add new functionalities to the first module and/or integrating the first module with the second module. The first module is connected to the input interfaces through a network via a standard protocol. By the system, integration of software is facilitated without modification of software of an existing system, and neither direct access to internal data of the existing system nor exposure of APIs of the existing system is required. | 04-02-2015 |
20150095174 | APPARATUS, SYSTEM, AND METHOD OF SECURING FINANCIAL TRANSACTIONS USING A MOBILE DEVICE - A novel system and methodology for conducting financial and other transactions using a wireless device. Credentials may be selectively issued by issuers such as credit card companies, banks, and merchants to consumers permitting the specific consumer to conduct a transaction according to the authorization given as reflected by the credential or set of credentials. The preferred mechanism for controlling and distributing credentials according to the present invention is through one or more publicly accessible networks such as the Internet wherein the system design and operating characteristics are in conformance with the standards and other specific requirements of the chosen network or set of networks. Credentials are ultimately supplied to a handheld device such as a mobile telephone via a wireless network. The user holding the credential may then use the handheld device to conduct the authorized transaction or set of transactions via, for example, a short range wireless link with a point-of-sale terminal. | 04-02-2015 |
20150095175 | TRANSACTION PROCESSING, SYSTEM, METHOD, AND APPARATUS THAT UTILIZES A TOKEN CREDENTIAL - A novel system and methodology for conducting financial and other transactions using a wireless device. Credentials may be selectively issued by issuers such as credit card companies, banks, and merchants to consumers permitting the specific consumer to conduct a transaction according to the authorization given as reflected by the credential or set of credentials. The preferred mechanism for controlling and distributing credentials according to the present invention is through one or more publicly accessible networks such as the Internet wherein the system design and operating characteristics are in conformance with the standards and other specific requirements of the chosen network or set of networks. Credentials are ultimately supplied to a handheld device such as a mobile telephone via a wireless network. The user holding the credential may then use the handheld device to conduct the authorized transaction or set of transactions via, for example, a short range wireless link with a point-of-sale terminal. | 04-02-2015 |
20150106216 | METHODS SYSTEMS AND COMPUTER PROGRAM PRODUCTS FOR VERIFYING CONSUMER IDENTITY DURING TRANSACTION - Computerized methods, systems and computer program products for determining how an identity of a consumer can be verified during a transaction involving the consumer and a merchant. Embodiments access and analyze data of an account the consumer has with an online social network to derive a challenge question response options. The social-network based challenge question and response options are presented to the consumer, and the consumer's selection of certain response options is used to confirm that the consumer is the person named on a credit card or other payment instrument or that other identification or verification information should be requested by the merchant before completing the transaction. | 04-16-2015 |
20150106217 | VIRTUAL POS SYSTEM AND METHOD - The present invention relates to a token device for securely executing a data transaction. The token device comprises: a secure element; a web server module configured within the secure element and arranged to transmit data messages over a network; a terminal application module configured within the web server module; and an application module configured within the secure element. The terminal application module and the application module are arranged to execute the data transaction protocol as one or more data exchanges therebetween within the secure element, upon receipt of a service request data message, received over the network at the web server module from an authorised remotely located Point of Sale (POS) terminal. The web server module is subsequently arranged to generate a transaction response data message for transmission to the remotely located POS terminal, on successful completion of the transaction protocol. | 04-16-2015 |
20150106218 | APPARATUS AND METHOD FOR PROVIDING INTERACTION INFORMATION BY USING IMAGE ON DEVICE DISPLAY - A method for providing interaction information, such as, for example, settlement information, by which a device provides the settlement information to a counterpart device, includes displaying an image which relates to an item to be used for performing the interaction, such as, for example, a credit card image of a credit card of a user of the device, on a lock screen of the device, and receiving a touch input from the user with respect to the credit card image. In the method, settlement information which corresponds to the touched credit card image is used for performing a settlement via the device. | 04-16-2015 |
20150112823 | INFORMATION PROCESSING SYSTEM, INFORMATION PROCESSING APPARATUS, INFORMATION PROCESSING METHOD, INFORMATION PROCESSING PROGRAM, PORTABLE COMMUNICATION TERMINAL, AND CONTROL METHOD AND CONTROL PROGRAM THEREOF - An information processing apparatus includes an acquirer that, when a sales assistant device is connected to a portable communication terminal, acquires, via the portable communication terminal, specifying information for specifying the sales assistant device, a driver executor that executes a driver program corresponding to the specifying information and controls the sales assistant device, an application executor that executes a sales management application program corresponding to the specifying information and transmits sales processing screen information to the portable communication terminal, and a specifier that specifies, based on the specifying information, a sales management database in which sales-related information acquired under control of the sales assistant device should be accumulated. | 04-23-2015 |
20150112824 | RECEIPT ISSUING DEVICE, CONTROL METHOD FOR A RECEIPT ISSUING DEVICE, PRINTING DEVICE, AND CONTROL METHOD FOR A PRINTING DEVICE - A receipt issuing device, control method for a receipt issuing device, printing device, and a control method for a printing device can eliminate issuing unnecessary receipts without requiring changing the application of the host device. A transaction information reception unit | 04-23-2015 |
20150120476 | Fuel Dispenser Commerce - Systems and processes may provide for commerce at a fuel dispenser. In one general aspect, a system and process at a fuel dispenser may have the ability to present a user interface including data regarding at least one merchant remote from the fuel dispenser's fueling facility and to determine if ordering data corresponding to the remote merchant has been received. If ordering data corresponding to the remote merchant has been received, the system and process may have the ability to present a user interface regarding payment data. The system and process may also have the ability to determine if payment data has been received and, if payment data has been received, generate a message regarding the ordering data for a remote merchant computer. | 04-30-2015 |
20150127477 | ON-LINE PAY-PER-USE SYSTEM AND METHOD - Aspects of the invention may involve systems, methods, and computer readable medium. In an embodiment of the invention, a computer-implemented method for paying for usage of a pay per use device may be provided. The method may transmit device identification information from the device to a server. Device setup information and vend price may be received and the vend price may be displayed. User identification may be received and transmitted to the server. An account balance value may be received and displayed on the display. A start request may be received and transmitted to the server. The device may start and an updated account balance may be displayed. | 05-07-2015 |
20150134470 | SELF-CHECKOUT SHOPPING SYSTEM - A self-checkout shopping system improves the retail shopping experience, permitting the self-serve customer to perform checkout tasks that are typically performed at the retailer's checkout area as the customer is selecting items for purchase. The system includes a mobile computer device and an indicia reader. The customer uses the mobile computer device to scan items selected for purchase. The item numbers are then compiled onto a list of acquired merchandise. When the customer has finished shopping, the system transmits the list of acquired merchandise, and any additional information such as customer financial information, to a point-of-sale terminal to facilitate the customer's payment for the merchandise. | 05-14-2015 |
20150142590 | User-Specific Point-of-Sale Network Recommendations Based on Connection Quality Data - Embodiments recommend network coverage for a user based on a connection history of the user and connection quality data for networks. The connection history describes connection of the user over time via at least one mobile computing device to one or more networks. Connection quality data describing performance of the networks is obtained. Based on the connection history and the connection quality data, recommended network coverage for the user is defined. In some embodiments, a customized out-of-the-box experience (OOBE) for wireless services is provided for the user. | 05-21-2015 |
20150142591 | SYSTEMS AND METHODS FOR COLLABORATIVE SHOPPING - Systems and methods are disclosed herein for facilitating collaborative shopping. Notifications may be sent to remote devices in response to a shopper's device entering a store or within a given proximity to a store. Notifications may invoke or include an interface to add items to a shared shopping list. Notifications from the shopper's device may be sent in advance of a user entering a store to alert friends and family to add items to the shared shopping list. A remote device may be used to authorize and instruct the shopper's device to pick up items that have been previously purchased either automatically or in response to an input from a user of the remote device. Authorization to pick up the previously-purchased item may be transmitted to one or both of a merchant and the shopper's device. | 05-21-2015 |
20150142592 | SYSTEM AND METHOD FOR POINT-OF-SALE ELECTRONIC RECEIPT GENERATION AND MANAGEMENT - There is provided a system and a method for the generation and management of point-of-sale (POS) electronic payment transaction receipts. The system and method include a POS component that performs a transaction at a location at which a customer and the POS component are physically present together generates content relating to the transaction; and a payment card that identifies a contact address to which an electronic receipt is to be sent. The POS component generates the electronic receipt based on the content relating to the transaction and causes the electronic receipt to be sent to the contact address identified on the payment card. The electronic receipt management system and method are based on payment transaction receipt information across a plurality of merchants, providing customers with an efficient solution for managing their receipts, and allowing merchants to offer better and more targeted recommendations for customers. | 05-21-2015 |
20150142593 | SYSTEM AND METHOD FOR POINT-OF-SALE ELECTRONIC RECEIPT STORAGE - There is provided a system and a method for the storage of point-of-sale (POS) electronic transaction (e.g., payment transaction or loyalty-based transaction) receipts. The system and method include an electronic storage device having one or more databases of point-of-sale (POS) generated transaction receipt data stored therein, an access path for allowing access to the POS generated transaction receipt data; and a processor for assembling the POS generated transaction receipt data in the one or more databases and for providing the assembled POS generated transaction receipt data to one or more entities that have been granted access to the one or more databases. The receipt storage system and method are based on transaction (e.g., payment transaction or loyalty-based transaction) receipt data across a plurality of merchants, providing customers with an efficient solution for storing and managing their receipts, and allowing merchants to offer better and more targeted recommendations for customers. | 05-21-2015 |
20150142594 | EXAMPLES OF DELIVERY AND/OR REFERRAL SERVICES - Various systems and methods that may relate to referral and/or delivery services are described. Some embodiments may include billing merchants for delivery services in a consolidated fashion, some embodiments may include interactions with point of sale systems. | 05-21-2015 |
20150142595 | System and Method for Enhanced Transaction Authorization - The present invention relates to system and method for authorizing a transaction using user data collected from third-party websites/applications/sources, such as social media networks. In operation, collected user data may be compared to a financial data or user data collected during a transaction to identify potential fraud and/or other discrepancies, confirming the identity of the user with a greater degree of accuracy and/or imposing purchase parameters. | 05-21-2015 |
20150149310 | WEARABLE COMMUNICATION DEVICES FOR SECURED TRANSACTION AND COMMUNICATION - A wearable device for capacitive coupled communications is described. The wearable device includes capacitive sensor transceiver circuitry configured to receive a capacitive coupled signal from a host device. The capacitive coupled signal is received through a body of a user of the wearable device and is modulated to include a request for authentication data to authenticate the wearable device with the host device. The wearable device includes processing circuitry in communication with the capacitive sensor transceiver circuitry to process the received capacitive coupled signal and transmit authentication data modulated on a capacitive coupled reply signal to the host device. The capacitive coupled reply signal modulated with the authentication data is transmitted through the body of the user of the wearable device. The capacitive sensor transceiver circuitry receives another capacitive coupled signal from the host device modulated with information indicating a successful authentication of the wearable device with the host device. | 05-28-2015 |
20150294287 | METHOD AND SYSTEM FOR IMPLEMENTING POINT OF SALE MOBILE CONVERSION KEY - A method for processing a contactless payment transaction using a traditional point of sale includes: coupling, to a point of sale device, a removable computing device; detecting, by the removable computing device, an external computing device; establishing, by the removable computing device, communication with the external computing device by a wireless communication protocol; receiving, by a receiver of the removable computing device, payment details associated with a payment account; formatting, by a processor of the removable computing device, the received payment details for inclusion in an authorization request for a payment transaction; and transmitting, by a transmitter of the removable computing device, the formatted payment details to the point of sale device. | 10-15-2015 |
20150294288 | SYSTEM AND METHOD FOR REMOTE MANAGEMENT OF SALE TRANSACTION DATA - This invention discloses a novel system and method for providing retail point of sale terminals that are connected securely over the Internet to a back-office service that manages the retailer's data as a service using a system that supports more than one retailer, each of which will have one or more point of sale terminals. The system is adapted to provide a function to manage open checks that correspond to retail customers whose transactions are pending. The system is also adapted to permit service personnel to manage open checks by splitting them into multiple checks or merging multiple checks into one check. | 10-15-2015 |
20150294315 | PAYMENT PROCESSING USING MULTIPLE TRANSACTION CHANNELS - A method includes receiving, from a payment intermediary, a request for approval of a card-not-present payment transaction between a customer and a merchant. The request for approval includes transaction details indicative of a credit account of the customer. The credit account established at an issuing institution. The method also includes transmitting the request for approval to the issuing institution. The method further includes receiving an authorization response from the issuing institution, the authorization response indicative of whether the card-not-present payment transaction is approved. The method additionally includes transmitting the authorization response to a terminal of the merchant, the request for approval not originating from the terminal. | 10-15-2015 |
20150302372 | METHOD AND APPARATUS FOR PROVIDING A GIFT USING A MOBILE COMMUNICATION NETWORK AND SYSTEM INCLUDING THE APPARATUS - The present disclosure provides a method of providing a gift icon using a communication network. The method includes providing information about products to a mobile terminal connected with the gift provision apparatus through a mobile communication network; selecting a gift and one of pieces of several information of a receipt terminal from an address book; transmitting the gift icon corresponding to the product to the receipt terminal, when the mobile terminal selects a button for requesting a gift receipt; when the receipt terminal selects an acceptance message for the gift receipt and pays money for the gift, transmitting a predetermined message including a URL (Unique Resource Locator) of the gift icon to the mobile terminal; and when the mobile terminal connects with the URL and then requests a download of the gift icon, downloading the gift icon. | 10-22-2015 |
20150302376 | TICKET PURCHASE USING NFC AT A REMOTE SERVER - A method for using a mobile communication device to purchase a ticket for an event. The method comprises locating an event of interest to a user through the mobile communication device, displaying a seating map of a venue in which the event of interest is being held, the seating map being displayed on the mobile communication device, receiving user input selecting an available seat on the seating map, issuing an electronic ticket to the user for the seat, and storing the electronic ticket on the mobile communication device. | 10-22-2015 |
20150302385 | Image Capture and Identification System and Process - A digital image of the object is captured and the object is recognized from plurality of objects in a database. An information address corresponding to the object is then used to access information and initiate communication pertinent to the object. | 10-22-2015 |
20150302407 | A METHOD AND A SYSTEM FOR AUTHORIZING PAYMENTS - A method and a system for authorizing payments, with the use, by a payer, of a mobile device MD and by a merchant a payment card terminal POS, identified by identifiers POS_ID | 10-22-2015 |
20150302513 | METHOD AND APPARATUS FOR PROVIDING A GIFT USING A MOBILE COMMUNICATION NETWORK AND SYSTEM INCLUDING THE APPARATUS - The present disclosure provides a method of providing a gift icon using a communication network. The method includes: providing, by a gift provision apparatus, information about products to a user terminal connected with the gift provision apparatus through the communication network; selecting, by the user terminal, at least one of the products, and inputting, by the user terminal, information of a receipt terminal to receive the at least one selected product, wherein the receipt terminal is separated from the user terminal; transmitting, by the user terminal, a request message for a gift to the gift provision apparatus; and providing, by the gift provision apparatus, the gift icon to the receipt terminal through the communication network, when the gift provision apparatus receives the request message, wherein the gift icon comprises a plurality of images and corresponds to the at least one selected product. | 10-22-2015 |
20150310410 | SYSTEM AND METHOD OF MONITORING FOR OUT-OF-BOUNDS MOBILE POS TERMINALS - The invention relates to a machine-moving monitoring system for mobile POS terminal and a machine-moving monitoring method for mobile POS terminal. The method comprises: a base station information acquiring step in which the mobile POS terminal acquires base station information of a current base station where the mobile POS terminal is located from the base station; an information uploading step in which a POS terminal information of the POS terminal and the base station information is uploaded when a transaction is being conducted on the mobile POS terminal; a base station location acquiring step in which an actual location information of the base station is acquired according to the uploaded base station information; a trader location information acquiring step in which a trader location information of a trader corresponding to the mobile POS terminal is acquired according to the uploaded POS terminal information; and a machine-moving determining step in which an actual distance between the base station and the trader is calculated according to the actual location information of the base station and the trader location information, and it is determined that a machine-moving behavior has occurred if the actual distance exceeds a specified distance. The invention can monitor whether a machine-moving behavior has happened effectively, quickly and accurately. | 10-29-2015 |
20150310411 | METHOD FOR PURCHASING OR CLAIMING A PRODUCT USING A PORTABLE COMMUNICATION DEVICE - Method for purchasing or claiming a product from an automated physical point of sale ( | 10-29-2015 |
20150310429 | Systems, Methods, and Computer Program Products for Using Proxy Accounts - An electronic device including an input/output interface operable to receive an input from a user and communicate an output to the user, a transceiver operable to electronically communicate with a computer network, a computer processor operable to execute instructions, and a memory storage operable to store the instructions, the memory storage further comprising a program module that is operable to: receive credentials for a proxy payment account, where the proxy payment account is linked to a primary payment account and not linked directly to a method of payment underlying the primary payment account, and make payment at a Point of Sale (POS) using the received credentials. | 10-29-2015 |
20150317720 | PROCESSING ONLINE TRANSACTIONS - Control or prevention of usage of an online ecommerce system to transfer funds by evaluating proximity between a location where cash payment is made and a location where a cash refund is requested. When the proximity exceeds a distance threshold, the cash refund at the second location is prohibited, and when the proximity is less than the distance threshold, the cash refund is permitted. Various embodiments ask the customer to specify a choice of refund stores, evaluate whether the person who made the cash payment for the order is different than the person who requested the refund, require identification, check publicly available Internet social site information for a relationship between the people, check for a pattern of requesting refunds, limit the refund to store credit, or a combination thereof. | 11-05-2015 |
20150324794 | Secure Universal Two-Step Payment Authorization System - A system and methods expedite and make secure payment data entry, and payment and authorization and authorization, for both in-store and online purchases. A mobile app, or widget or browser extension or installed service, on a mobile communication device, generates a barcode to be scanned at a point-of-sale terminal. Optional confirmation is sent to an app, or browser extension or widget or installed service, on a mobile or fixed communication device, to confirm a purchase. An independent app, or browser extension or widget or installed service, on a mobile or fixed communication device, generates a barcode that is sent directly to an online point-of-sale system. The method allows a purchaser to use the same app, or widget or browser extension or installed service, to purchase from any retailer with installed collaborating software. | 11-12-2015 |
20150332238 | POS SYSTEM AND METHOD FOR DRIVING SAME - The POS system of the present invention can include a mobile terminal and a POS-supporting device which is connected to the mobile terminal via a near-field communication (NFC)-based relay so as to be in communication therewith. Here, the mobile terminal includes an open source-based POS application program module connected to the POS-supporting device in an NFC scheme via the relay so as to be in communication therewith, and interacting, through the relay, with the POS-supporting device and a server supporting a POS function on a communication network in order to perform POS functions. The POS system can autonomously manage itself by adjusting the POS application program without manufacturer support at the store or shop, and the POS system can be introduced and used at a low cost. | 11-19-2015 |
20150332239 | POINT OF SALE PLATFORM FOR CONSUMER MEDIA INTERACTION - A point of sale system includes a host, an intermediate controller, a user interface device, and one or more peripheral devices. The intermediate controller includes an operating environment and is in communication with the host. The user interface device is associated with and in communication with the intermediate controller. The user interface includes a web browser and the intermediate controller includes a webserver, the webserver hosting one or more applications for interaction with a customer. The one or more peripheral devices are coupled to at least the intermediate controller via a bus. Related apparatus, systems, techniques, and articles are also described. | 11-19-2015 |
20150332240 | APPARATUS, SYSTEM AND METHOD FOR BEACON-ENABLED MOBILE POS - A system, method and apparatus for that allow participating consumers and businesses to initiate and fulfill payment transactions using mobile devices based on their physical proximity to one another using an apparatus equipped with the capability to both send and receive beacon signals. | 11-19-2015 |
20150332241 | PORTABLE TERMINAL AND ITS PROGRAMS, SETTLEMENT APPARATUS, AND MERCHANDISING INFORMATION PROVIDING APPARATUS - On receiving simplified settlement data generated form settlement data and ID data for downloading electronic-receipt data from an electronic-receipt server, both from a settlement-processing apparatus, a portable terminal records the simplified settlement data in association with the ID data. The display unit of the portable terminal displays the simplified settlement data thus recorded. The portable terminal downloads electronic-receipt data from the electronic-receipt server by using the ID data recorded in association with the simplified settlement data, when the input unit is operated, thereby commanding that the electronic receipt related to the simplified settlement data displayed by the display unit should be downloaded. The electronic-receipt data is recorded in the electronic-receipt recording unit. The display unit displays the electronic receipt on the basis the electronic-receipt data recorded in the electronic-receipt recording unit. | 11-19-2015 |
20150339648 | System and Method of Processing Payment at a Point-of-Sale Terminal Using a Mobile Device - The present embodiments relate generally to methods and systems of processing a transaction at a point-of-sale terminal. The methods may include: sending, from the point-of-sale terminal to a payment processing server, a transaction identifier for the transaction; providing the transaction identifier from the point-of-sale terminal to a mobile device, wherein the mobile device comprises an electronic wallet application configured to receive an input that selects payment information to be used in the transaction; sending, from the mobile device to the payment processing server, the transaction identifier and the selected payment information to be used in the transaction; and processing payment for the transaction, at the payment processing server, using the selected payment information. | 11-26-2015 |
20150339649 | System For Accessing A Pos Terminal, Method For Downloading And Updating Applications And Method For Performing Electronic Operation Using Such A System - The present invention refers to system for accessing POS terminals ( | 11-26-2015 |
20150347998 | PERSONAL 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. | 12-03-2015 |
20150356537 | ELECTRONIC RECEIPT MANAGEMENT SYSTEM - A distributed computer system includes a central server, a computing device of a user, and point-of-sale terminals. The central server is configured to assign a global user ID to a user and store, in association with the global user ID, local user IDs. The computing device is configured to generate and display a code symbol representing at least one user ID. A point-of-sale terminal is configured to scan the displayed code symbol and code symbols of merchandise being purchased, and generate transaction information. A local server is configured to transfer the transaction information from the point-of-sale terminal to the central server. When the transaction information includes a local user ID, a point total of the user is updated based on the transaction information and transmitted to the computing device. The central server stores the transaction information, which is received from the local server, in association with the global user ID. | 12-10-2015 |
20150356540 | ELECTRONIC RECEIPT MANAGEMENT SERVER THAT GENERATES UNIFIED EXPRESSIONS FOR PRODUCT NAMES - An electronic receipt management server includes a network controller and a processor. The network controller receives first and second electronic receipt data from a first store server and a second store server, respectively. The same product is identified by a first product name in the first electronic receipt data and by a second product name, different from the first product name, in the second electronic receipt data. The processor is configured to maintain a table having multiple mapping entries, each associating a unified product name to a plurality of different product names, to convert the first and second product names into an associated unified product name according to the table, and to transmit through the network controller, the first and second electronic receipt data, each containing the associated unified product name in place of the first and second product names, respectively, to a mobile computing device. | 12-10-2015 |
20150356549 | ELECTRONIC RECEIPT SYSTEM - A method includes receiving, at a user identification module of an electronic receipt system in electronic communication with a point of sale terminal, a user identifier transmitted from a mobile communication device to a near-field communication enabled communication device associated with the point of sale terminal. The method also includes verifying, by a validation module of the electronic receipt system, an enrollment status of the user identifier; and based on results of the verifying, transmitting, by a transfer module of the electronic receipt system, the user identifier and data characterizing an electronic receipt to a receipt storage module of the electronic receipt system. | 12-10-2015 |
20150358423 | DUAL CLOUD ARCHITECTURE FOR ROBUST IN-STORE CUSTOMER INTERACTION - An on-premises computing system physically located at or in a store premises includes one or more on-premises servers, an on-premises database, and a WLAN access point. A remote computing system including a remote database and one or more remote servers communicates with the on-premises computing system via a WAN. Beacon frames emitted by a wireless device carried by a customer are detected via the WLAN access point of the on-premises computing system, and a MAC address and/or token of the wireless device is/are identified in the beacon frames. The one or more on-premises servers determine whether a customer profile associated with the MAC address or token is stored at the on-premises database. If a customer profile associated with the MAC address or token is not stored at the on-premises database, then the one or more on-premises servers download the customer profile from the remote database of the remote computing system. | 12-10-2015 |
20150363759 | AUDIO-VISUAL POINT-OF-SALE PRESENTATION SYSTEM AND METHOD DIRECTED TOWARD VEHICLE OCCUPANT - An audio-visual presentation system delivering a presentation to a vehicle passenger compartment is provided that includes a video display mounted external to a vehicle passenger compartment and viewable from within the compartment. A controller provides a video signal to the display and an audio signal. The audio signal is broadcast by an antenna coupled to the controller as a radio frequency is received by a vehicle radio and discernable to a vehicle sound system. The audio-visual presentation system is particularly well suited as a method of education and sale regarding vehicle service products. Rather than providing a discernable audio signal through a vehicle sound system, it is appreciated that a portable radio set is readily placed within a vehicle passenger compartment or the audio signal delivered via a wireless network. A still further advantage is realized by providing a technician servicing the vehicle with a microphone operative to interrupt the audio signal of the presentation so as to convey vehicle service information regardless of whether the presentation is viewed within the vehicle compartment or in a remote waiting room. The audio-visual presentation is readily tailored to the past viewing and/or purchase history of a potential customer. | 12-17-2015 |
20150371205 | SYSTEMS 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. | 12-24-2015 |
20150371210 | COMPUTING DISTANCES OF DEVICES - Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for computing distance between devices. In one aspect, a method includes the actions of determining an approximate distance between a merchant computer and a customer device based on a strength of a wireless signal associated with data transmitted and received between the merchant device and customer device. The actions further include validating the approximate distance based on signals from a plurality of motion sensors of the customer device to generate a validated distance. The actions further include generating a list with the one or more customers ranked in the list based on the validated distance. The actions further include presenting, on the merchant device, the list of the one or more customers. | 12-24-2015 |
20150379493 | SERVICE DATA RECORD SYSTEM AND POS SYSTEM WITH THE SAME - A service data record system and a POS system with the service data record system are provided. The service data record system is used to display a data of an electronic device. The electronic device includes at least one electronic unit and a power unit. The service data record system includes a power device, a terminal display, a remote monitoring interface and a micro processing unit. By the micro processing unit, the electronic data set of the electronic unit may be displayed on the terminal display or transmitted to a remote monitoring device. Moreover, the pre-designate event of the electronic device may be displayed on the terminal display. According to the pre-designate event, it is convenient for a service engineer to conduct breakdown maintenance of the electronic device. | 12-31-2015 |
20150379500 | AUTOMATED TRANSACTION PROCESSING CONTROL WITH NEAR-FIELD COMMUNICATION FUNCTIONALITY - A computer implemented method for reducing input performed in a commerce based application is provided. The method includes receiving a sequence of input values from an input device and associating the sequence of input values with an object in the application based on the sequence. A context of the application is determined. One or more tasks in the application are automatically performed based on the object, the context and the sequence of input values. | 12-31-2015 |
20160005019 | SYSTEM AND METHOD FOR PROCESSING RETAIL PURCHASES AT A POINT-OF-SALE POS SYSTEM USING A PERSONAL MOBILE TERMINAL - System and method for processing retail purchases at a point-of-sale POS system, by a user carrying a personal mobile terminal, said mobile terminal having a network data connection and a barcode reader for reading, by the user, of the barcodes of the products to be purchased, said system comprising a computer server for receiving the barcodes read by said mobile terminal through said network data connection; an electronic controller for receiving the barcodes received by said computer server through a suitable data link; a data connection between said controller and said POS; wherein said controller is arranged to send to the POS system through said data connection the received barcodes to be processed by said POS system as a retail purchase by said user. | 01-07-2016 |
20160005020 | MULTI-MODE POINT-OF-SALE DEVICE - Disclosed herein are system, method, and computer program product embodiments for a cloud-based point-of-sale system and a multi-function point-of-sale (POS) device. In an embodiment, the POS device includes an interactive display that switches between a first position oriented towards and for use by an operating clerk, and a second position oriented towards and for use by a customer. The POS device is able to detect the switch between the first position and the second position. A processor in the POS device outputs a first graphical user interface (GUI) on the interactive display in response to detection of the first position and a second GUI in response to detection of the second position. In an embodiment, the components of the POS device are combined together in a unified assembly. | 01-07-2016 |
20160005022 | DEBIT NETWORK ROUTING SELECTION USING A SCANNABLE CODE - Embodiments are directed to selecting a debit network using a quick response (QR) code and to processing a payment using a debit network selected according to information embedded in a QR code. In one scenario, a mobile computer system receives input indicating that a user has initiated a payment for various items sold by a provider of goods or services. The mobile computer system determines that the user or the provider has specified a preference indicating which debit network is to be used to process the payment. The mobile computer system then generates a QR code with the debit network selection and portions of the user's debit account information embedded in the QR code, and sends the generated QR code to a payment processing system. The payment processing system may be cloud-based, or may be run locally at the provider's point of sale. | 01-07-2016 |
20160012408 | CLOUD-BASED MOBILE PAYMENT SYSTEM | 01-14-2016 |
20160012429 | POINT-OF-SALE PAYMENT SYSTEM AND RELATED METHODS | 01-14-2016 |
20160012443 | NON-PAYMENT COMMUNICATIONS USING PAYMENT TRANSACTION NETWORK | 01-14-2016 |
20160012548 | AUTOMATED ACCOUNTING SYSTEM AND METHOD THEREOF | 01-14-2016 |
20160019519 | METHODS AND SYSTEMS FOR FACILITATING PAYMENT TRANSACTION RECONCILIATION - A method for facilitating payment transaction reconciliation is provided. The method includes receiving a purchasing entity identifier at a point of sale. Payment transaction information associated with the purchase, and the purchasing entity identifier, are transmitted to a fmancial institution providing the payment service used to make the purchase. Merchant transaction information is also transmitted to the financial institution, with the purchasing entity identifier, to be recorded against the payment transaction information. | 01-21-2016 |
20160019522 | SYSTEMS AND METHODS FOR PREFERRED PAYMENTS USING BEACONS - Systems and methods are provided for configuring a user device to provide a preferred payment method for payments. When a user carries their device into a store, the device may receive information from a beacon at the store that informs the device that the user is at the store. The user device may the use the information to determine which of several payment methods will provide a maximum benefit to the user if used for a payment at that store. The benefits to the user may include points, store rewards, miles, cash back rewards or other rewards associated with a particular payment method that, at a particular time or location provide more benefit to the user than other payment methods. The user device may be configured to provide the preferred payment method prior to a communication between the user device and a point of sale device of the store. | 01-21-2016 |
20160026987 | Methods and Apparatus for Unified Inventory and Financial Transaction Management - In some embodiments, a system includes one or more computers configured to implement by executing instructions on one or more processors a platform-agnostic transaction-related communication system. The transaction-related communication system includes one or more receiving modules for receiving a first item of financial transaction information from a customer-facing interface, and receiving a second item of financial transaction information from a merchant-facing point-of-sale interface. In some embodiments, the transaction-related communication system includes a point of sale server for rendering in a common internal format the first item of financial transaction information from the customer-facing interface, and rendering in the common internal format the second item of financial transaction information from the merchant-facing point-of-sale interface. In some embodiments, the transaction-related communication system includes a payment processing module for rendering in a second format the first item of financial transaction information for payment processing by a first external financial party. | 01-28-2016 |
20160027009 | SYSTEMS AND METHODS FOR AUTHENTICATING USER IDENTITIES IN NETWORKED COMPUTER SYSTEMS - The disclosed embodiments include methods and point-of-sale terminals for authenticating a user. The disclosed embodiments include, for example, a method for receiving, by one or more processors, authentication data from an authentication network, the authentication data including an authentication code identifying an authentication transaction associated with an authenticating partner system. The method may also include validating, by the one or more processors, the authentication data, the validating comprising comparing the authentication data with validation data corresponding to a prior authentication event associated with the user. The method may also include generating, by the one or more processors, validation information based on the validating, the validation information comprising a determination whether to validate the user for the authentication transaction. The method may also include providing, by the one or more processors, the validation information to the authentication network. | 01-28-2016 |
20160034876 | Systems and Methods for Providing a Point of Sale Platform - This disclosure describes systems, methods, and computer-readable media related to providing a point of sale platform. In some embodiment, a point of sale (POS) device may receive information associated with an order and payment information associated with the order. The POS device may generate a first object based at least in part on the information associated with the order and a second object based at least in part on the payment information. The POS device may store the first object and the second object in a queue. The POS device may transmit the first object and the second object to a remote server. | 02-04-2016 |
20160034878 | METHOD FOR COMMUNICATING AN ELECTRONIC TRANSACTION BY WAY OF A MOBILE TERMINAL - A method is proposed for communicating an electronic transaction between a point of sale ( | 02-04-2016 |
20160034879 | INTEGRATED ONLINE AND IN-STORE SHOPPING EXPERIENCE - Systems and methods for integrating online and in-store shopping are disclosed. The systems include a cashier station located in a store. The cashier station has a register, a product ID input device, and a screen accessible to a customer at the cashier station. An online site configured to facilitate ecommerce transactions between users and the store is also provided. The cashier station is in communication with the online store whereby recommended products are presented to the customer on the screen in response to the input of a product ID at the cashier station allowing the customer to make additional related purchases from the online site contemporaneously with the in-store purchase. | 02-04-2016 |
20160034880 | SYSTEMS AND METHODS FOR OPERATING TRANSACTION TERMINALS - Methods and apparatus for operating a transaction terminal. In an embodiment, a method includes receiving, by a proximity reader processor via a first channel, an activation signal from a payment terminal processor indicating initiation of a payment transaction with a proximity payment device. The proximity processor then executes a first process having a first queue that causes transmission of first instructions to a second process comprising a second queue, and then the second process is executed to run concurrently with the first process, wherein the second process causes the proximity processor to transmit application activation instructions via a reader interface and a second channel to the proximity payment device. The proximity processor terminates the second process when the application activation is completed without error. | 02-04-2016 |
20160034981 | METHOD AND SYSTEM FOR CUSTOMER CHECKOUT - Disclosed is a system and method for directing a customer to one of a plurality of checkout lanes in a retail store. The system includes a checkout lane selection module that is in communication with each of the plurality of checkout lanes. The checkout lane selection module is part of a computing device, such as a server, that may be resident in the retail store, or remote from the retail store. The checkout lane selection module receives lane status information from each of the plurality of checkout lanes. And the checkout lane selection module receives customer information from a customer profile and from the customer's shopping basket. The checkout lane selection module provides the customer a preferred lane selection, and/or details about each checkout lane so that the customer can make an informed choice about which checkout lane to use. | 02-04-2016 |
20160042334 | RETAIL CONVENIENCE MARKET TECHNOLOGY WITH ENHANCED VENDOR ADMINISTRATION AND USER MOBILE APP FUNCTIONALITY - A self-service, self-checkout, kiosk based micro-market retail shopping system for disposition and use in an private or public office, factory or other workspace for use by employees, workers and the like. The micro-market may supply snacks, candies, beverages, other food items and various convenience items such as toiletries for use by employees, workers and other during the work day, lunch and break time. The micro-market may also supply work related items such as uniforms and apparel, tools, office supplies, travel accessories and the like. The devices and process also include enhanced vendor administration tools and functionality. The devices and process also include enhanced user ability to use mobile devices and apps, and on-line tools for creating and managing accounts and for purchasing items. A method of using the market is also disclosed. | 02-11-2016 |
20160042335 | Transaction System, Information Processing Method, and Processing Device - A POS terminal | 02-11-2016 |
20160042336 | Transaction System and Information Processing Method - The POS system | 02-11-2016 |
20160042337 | CRADLE, CRADLE CONTROL METHOD, AND CONTROL SYSTEM - A cradle in which a recording device can be installed charges the installed recording device and can execute processes using the ability for a recording device to be installed. A cradle | 02-11-2016 |
20160042338 | PROCESSING PAYMENT TRANSACTIONS WITHOUT A SECURE ELEMENT - A user conducts a wireless payment transaction with a merchant system by transmitting payment information from a user device to a terminal reader without accessing a secure element resident on the user device. A user taps a user device in a merchant system's terminal reader's radio frequency field. The terminal reader and the user device establish a communication channel and the terminal reader transmits a signal comprising a request for a payment processing response. The signal is received by the user device and converted by a controller to a request understandable by an application host processor. The controller transmits the request to the application host processor, where the request is processed, and a response is transmitted to the controller and then to the terminal reader. The response generated by the application host processor is identifiable by the merchant system as a payment response. | 02-11-2016 |
20160042340 | CLOSED PREPAYMENT PROGRAM VIA MERCHANT POS TERMINALS - A system for accumulating funds is provided. The system includes a database for storing a plurality of consumer profiles, a server for receiving from a point of sale (POS) terminal a unique identifier, accessing a consumer profile that corresponds to the unique identifier, transmitting to the POS terminal a prepayment determinant, receiving from the POS terminal the prepayment amount, and incrementing the current monetary value in the consumer profile based on the prepayment amount, and a POS terminal for transmitting to the server the consumer unique identifier, receiving from the server a prepayment determinant, reading a spending amount, calculating a prepayment amount based on the prepayment determinant and the spending amount, and transmitting to the server a message including the prepayment amount. | 02-11-2016 |
20160042356 | Biometric Reading Governing Commercial Transactions via Smart Devices - A method of performing commercial transactions, comprising: establishing a secure link over an air interface by a purchasing device (e.g. a wearable computing device, a smart phone, etc.), the secure link being between the purchasing device and a point of sale device; obtaining a biometric read on the purchasing device; authenticating the biometric read on the purchasing device; conducting a secure commercial transaction between the purchasing device and the point of sale device, wherein the commercial transaction is carried out via an electronic transmission between the air interface of the purchasing device and the point of sale, and wherein payment information stored securely on the purchasing device is transmitted to the point of sale device as part of the electronic transmission. In another possible embodiment, obtaining a biometric read on a purchasing device places the purchasing device in a “ready to transact” state for a timed period. | 02-11-2016 |
20160048819 | KIOSK FOR RECEIVING AND DELIVERING PACKAGES - A computer server for a network-based transaction system is coupled to a kiosk via a data communications network. The kiosk includes a computer processor, an input device, an electronic display unit, a plurality of compartments, and a data communications port. The computer server receives input from a seller of an item. The input includes a listing of the item for sale on the network-based transaction system. The server identifies an available compartment from the plurality of compartments based on the size of the item for sale. The available compartment is configured to receive the item for sale from the seller. The server transmits an identification of the available compartment to the seller via the electronic display unit, and enables access to the available compartment by the seller. | 02-18-2016 |
20160048820 | TRANSACTION DATA CAPTURE DEVICE AND SYSTEM - A transaction data capture device including an input adapted to receive transaction data sent from a point of sale terminal to a peripheral device during the course of a transaction with a customer, an output which is adapted to transmit the transaction data to the peripheral device, a processor programmed to detect and save the transaction data and associate the transaction data with customer identity information identifying the customer, a memory for storing the associated transaction data and customer identity information and a network interface for routing the transaction data and associated identity information from memory over a data communications network, wherein such input, output, processor, memory and network interface are disposed in and preserve an existing data connection between the point of sale terminal and the peripheral device, and wherein such point of sale terminal and such peripheral device are physically separate from the transaction data capture device. | 02-18-2016 |
20160055469 | RETAIL TRIGGERED DEVICE CONFIGURATION SETUP - The present disclosure relates to retail triggered device configuration setup. Specifically, various techniques and systems are provided for efficient setup of a purchased device on a network using information generated by a retailer at the point of sale. More specifically, exemplary embodiments of the present invention include methods and systems for receiving, at a computing device connected to an established network device on a network, a transaction communication including an indication that a new network device has been acquired; transmitting data to the established network device, wherein the data includes identification information associated with the new network device; receiving a join query, wherein the join query includes a request to authorize the new network device to join a network; and transmitting a response to the join query, wherein the response includes an authorization for the new network device to join the network. | 02-25-2016 |
20160055470 | VIRTUAL RECEIPTS - A device may obtain receipt data associated with a purchase of an item. The device may generate information for generating a virtual receipt based on the receipt data. The device may determine a user device associated with the receipt data. The device may send a text message, that includes the information for generating the virtual receipt, to the user device. The virtual receipt may be generated by the user device based on the information for generating the virtual receipt. | 02-25-2016 |
20160055477 | MOBILE PAYMENT SOLUTION FOR SELF-SERVICE MULTI-FUNCTION PRINTER - A system and method incorporating a multi-function printer (MFP), a mobile device and a server to effect payment of MFP services. The MFP generates and displays a session prepayment code containing identification information for the MFP and for a specific session initiated by a user. The code is entered into the mobile device and the mobile device transmits it to the server. In response, the server transmits a menu of MFP functions and costs to the mobile device, allowing the user to estimate and prepay the cost of the specific session through a service accessible on the mobile device. Once proof of prepayment is received, the server transmits an authorization code to the mobile device and the user inputs it into the MFP. The MFP verifies the authorization code with the server and performs user-selected functions until a time allotted for the specific session ends or until available credit is used, whichever comes first. | 02-25-2016 |
20160055480 | Host-Formatted Select Proximity Payment System Environment Response - Informing near field communication (NFC) payment readers of NFC target device payment application availability. A payment application executing under a host operating system of an NFC target device formats a SELECT proximity payment system environment (PPSE) RESPONSE as one or more NFC Application Protocol Data Units (APDUs). The SELECT PPSE RESPONSE is formatted to respond to a SELECT PPSE command from an NFC payment reader. The SELECT PPSE RESPONSE includes a list of one or more Application Identifiers (AIDs) corresponding to one or more payment options available on the NFC target device. The payment application communicates the formatted SELECT PPSE RESPONSE to a PPSE applet executing on the NFC target device. The PPSE applet receives a SELECT PPSE command from an NFC payment reader. The PPSE applet communicates the SELECT PPSE RESPONSE to the NFC payment reader, in response to receiving the SELECT PPSE command from the NFC payment reader. | 02-25-2016 |
20160063469 | Systems for Collecting Retailer-Specific Data - A purchaser can provide retailer-specific feedback using a retailer-specific machine executable code printed on a transaction document at a retailer. In an embodiment, a system may include a server subsystem and at least one point-of-sale (POS) subsystem. The POS subsystem may include a processor module configured to provide instruction to a printing terminal for printing, at the respective retailer, a retailer-specific machine readable code on a transaction document associated with a purchase order. The retailer-specific machine readable code may include a decodable instruction for interacting with a server module of the server subsystem to access an electronic platform configured to provide a respective retailer-specific request for information. | 03-03-2016 |
20160063472 | INFORMATION PROCESSING METHOD AND RECORDING SYSTEM - A recording device transmits attribute information. A management device receives the attribute information transmitted by the recording device, and sends environmental settings information stored relationally to the attribute information to the recording device. The recording device receives the environmental settings information sent by the management device, configures environmental settings based on the environmental settings information, and sends a configuration completion report indicating configuration was completed to the management device when configuration is completed. The management device receives the configuration completion report sent by the recording device, and stores the environmental settings information sent to the recording device relationally to the identification information of the recording device. | 03-03-2016 |
20160071080 | TRANSACTION DATA PROCESSING APPARATUS CONNECTED TO AN EXTERNAL DEVICE FOR DATA COMMUNICATION - A transaction data processing apparatus includes a scanning unit configured to scan a product code of a product related to a transaction, a printing unit configured to print transaction data on a sheet, a communication unit configured to transmit the transaction data to an external device over a network, and a control unit. The control unit is configured to generate the transaction data based on the scanned product code, determine whether the network is online or offline, and control the communication unit to transmit the transaction data to the external device when the network is online, and the printing unit to print the transaction data on the sheet when the network is offline. | 03-10-2016 |
20160078425 | FINANCIAL TRANSACTION PROCESSING WITH DIGITAL ARTIFACTS AND MULTIPLE PAYMENT METHODS USING A SERVER - A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization. | 03-17-2016 |
20160078426 | RETAIL TRIGGERED DEVICE CONFIGURATION SETUP - The present disclosure relates to retail triggered device configuration setup. Specifically, various techniques and systems are provided for efficient setup of a purchased device on a network using information generated by a retailer at the point of sale. More specifically, exemplary embodiments of the present invention include methods and systems for receiving, at a computing device connected to an established network device on a network, a transaction communication including an indication that a new network device has been acquired; transmitting data to the established network device, wherein the data includes identification information associated with the new network device; receiving a join query, wherein the join query includes a request to authorize the new network device to join a network; and transmitting a response to the join query, wherein the response includes an authorization for the new network device to join the network. | 03-17-2016 |
20160078445 | SELF AUTHENTICATION - A system, method and a device for offline authentication of transactions using mobile device, based on, analytic engine such as behavioral pattern detection are provided. The behavioral pattern can be for a specific person, for group of people with similar characteristics, or a combination of the two. The invention has the advantage over the prior art centralized authentication and fraud detection systems in that it is more precise in identifying and preventing fraud in real time. The precision is better for both customer and merchant frauds. The present invention also requires fewer investments in infrastructure and uses less communication traffic when compared to the prior art. | 03-17-2016 |
20160086155 | E-CARD TRANSACTION AUTHORIZATION BASED ON GEOGRAPHIC LOCATION - Transactions using a bank customer's electronic debit or credit card (“e-card”) are authorized based on geographic location. For example, a transaction may be denied if it is determined that no legitimate Point of Sale (POS) terminals are in the area of the e-card. | 03-24-2016 |
20160086163 | Method and System for Processing a Fuel Transaction - A user is allowed to select a fuel item remotely of a fuel dispenser using a payer application accessible on a computing device. An order is generated based on the selected fuel item; the order including an identifier associated with a payer account. The order is provided to a point of sale (POS) application associated with a merchant. The POS application generates a payment request based on the order and a record of the amount of fuel dispensed by the fuel dispenser; the payment request including an identifier associated with a recipient account. The payment request is forwarded by the POS application to a payment network, which effects a payment transaction from the payer account to the recipient account. A notification is forwarded to the payer application indicating the status of the payment transaction. | 03-24-2016 |
20160086170 | CAR WALLET APPLICATION - Embodiments of the disclosure generally relate to systems and methods for processing electronic payments for retail services and goods delivered by a retail establishment. In embodiments, a mobile wallet application is installed in the automobile. The automobile wallet application can receive and/or send transaction and payment information over a near field communication system to a retailer and on to an authorizing authority. The authorizing authority receives the payment and transaction information, authorizes or declines the payment of the transaction, and forwards the authorization or declination to the automobile wallet application. If authorized, the retailer provides the retail good or service. | 03-24-2016 |
20160086174 | METHOD AND SYSTEM FOR CARRYING OUT PAYMENT TRANSACTIONS - The present invention relates to a method of carrying out payment transaction with a payment card ( | 03-24-2016 |
20160086286 | USING CE DEVICE RECORD OF E-CARD TRANSACTIONS TO RECONCILE BANK RECORD - Transactions using a bank customer's electronic debit or credit card (“e-card”) are monitored by the card owner's consumer electronic (CE) device and reported to a server associated with the financial institution maintaining the e-card records for reconciliation to reveal possible fraud. | 03-24-2016 |
20160098690 | WIRELESS-ENABLED KIOSK FOR RECYCLING CONSUMER DEVICES - Wireless-enabled kiosk systems and associated methods for recycling and performing other processes with mobile phones and other electronic devices are described herein. In various embodiments, the present technology includes systems and methods for wirelessly connecting a consumer-operated kiosk with an electronic device to facilitate processing (e.g., purchasing) the device. In some embodiments, the present technology includes using a wireless link to identify a device, evaluate a device, resolve device issues to enable purchase of the device, locate a device, etc. Various other aspects of the present technology are described herein. | 04-07-2016 |
20160098724 | SYSTEMS AND METHODS FOR RISK TRIGGERING VALUES - Systems and methods for facilitating risk assessment for point of sale transactions utilizing at least one risk triggering value (RTV) is disclosed. An RTV is a condensed version of a set of complex risk data and strategies usually found in central processing sites. After receiving a request for payment authorization, a risk value is calculated for the request. The distributed processing site compares the risk value to the RTV to determine whether to authorize payment. if the risk value is less than or equal to the RTV, the payment is authorized while a risk value greater than the RTV will not be authorized. The central site calculates a new RTV for the account and distributes the new RTV to the distributed processing site. | 04-07-2016 |
20160125377 | Systems and Methods for Enrolling a User in a Membership Account - Systems and methods are provided for enrolling a user in a membership account. A payment processing request is received from a point of sale device associated with a merchant. The payment processing request includes an account number associated with a user. Based on the account number, a user account associated with the user is retrieved, where the user account includes address information for communicating with a computing device that is associated with the user. Computer-readable instructions are transmitted to the computing device based on the address information, the computer-readable instructions causing the computing device to prompt the user to enroll in a membership account associated with the merchant. A response is received from the computing device indicating consent from the user to enroll in the membership account. Based on the response, an enrollment request is transmitted to the merchant, where the enrollment request includes user information from the user account. | 05-05-2016 |
20160125683 | Product Vending and Pneumatic Tube Delivery System for Delivering Products to Remote Consumers - A system and method for delivering a desired product or products to a remote consumer using a product vending and pneumatic tube delivery system capable of delivering selected products from a business to the remote consumer. A selector coupled to the product vending machine removes the selected products from designated compartments inside the vending machine and deposits the product into a pneumatic tube system that delivers the product to a remote consumer. The system is capable of delivering multiple products to multiple consumers in a short period of time with little to no human intervention. | 05-05-2016 |
20160127872 | METHODS AND APPARATUS FOR CELLULAR TECHNOLOGY-BASED IDENTIFICATION OF A REGISTERED INDIVIDUAL IN A VICINITY - The present disclosure relates to systems and methods for identifying a plurality of mobile devices within a vicinity. The method include receiving, by a small cell base station, a connection request issued by a mobile device. The method include identifying a device identifier associated with the connection request and determining whether the device identifier is unique in light of a listing of previously recognized device identifiers. | 05-05-2016 |
20160132851 | LOCATION-BASED AUTHENTICATION OF TRANSACTIONS CONDUCTED USING MOBILE DEVICES - A transaction authentication system authenticates a transaction by determining whether a mobile device and POS device involved in the transaction are at the same location. A POS registry stores location data for POS devices. A PAN registry stores mobile device IDs corresponding to account numbers. A mobile device ID can be provided from the PAN registry in response to receiving an account number from a POS device. The mobile device ID can then be used to retrieve location information from a home location register maintained by a mobile service provider. The retrieved location data for a POS device and the retrieved location data for a mobile device are compared. | 05-12-2016 |
20160132868 | SAVING MERCHANT ARTIFACTS TO A VIRTUAL WALLET - A virtual wallet system provides embedded controls to a merchant for association and display with merchant artifacts on a merchant interface. Merchant artifacts may include begin-of-purchase flow items such as coupons, and end-of-purchase flow item such as tickets. When the embedded control displayed on the merchant interface is selected by a user, a save artifact request is communicated to a virtual wallet server allowing the user to instantly save an instance of the merchant artifact to the user's corresponding virtual wallet account. | 05-12-2016 |
20160132870 | METHOD AND SYSTEM FOR PROCESSING SECURE OFFLINE TRANSACTIONS - This application discloses a method implemented at a server to facilitate secure offline transactions. The server receives, from a client device, an authorization request that includes a user identifier, first financial account information and a secure code. The server authenticates the authorization request, and sends a first transaction approval to the client device. Then, in accordance with the information received in the authorization request, the server facilitates a secure transaction between the client device and a point-of-sale (POS) machine while the client device is offline. Specifically, the server receives, from the POS machine, a transaction request that includes at least the user identifier and the security code. The server retrieves the first financial account information from a memory according to the user identifier and the security code, performs a transaction operation associated with the first financial account information, and sends a second transaction approval to the POS machine. | 05-12-2016 |
20160140532 | TECHNIQUES FOR EMBEDDING VIRTUAL POINTS OF SALE IN ELECTRONIC MEDIA CONTENT - A method for embedding a virtual point of sale in electronic media content. The method comprises: identifying product-related information of at least one product in the electronic media content, wherein the electronic media content does not explicitly offer to sell the at least one product; identifying at least one vendor having the at least one product in stock, wherein the at least one product is interrelated to the identified product-related information, wherein identification is based on an estimated inventory of each of the at least one product for each of the at least one vendor; generating a virtual point of sale based on the identified at least one vendor and the identified at least one product; and causing a display of the generated virtual point of sale on the electronic media content. | 05-19-2016 |
20160148152 | SHOPPING SUPPORTING SYSTEM - A shopping supporting system for supporting a customer in moving the purchased commodity comprises a shopping supporting management server, a sales settlement terminal, a store server and a reader/writer, wherein the shopping supporting management server comprises a customer information management section; a delivery number issuing section; a delivery number management section; a delivery information management section; and a delivery method determination section; the sales settlement terminal; a purchase amount calculation section; a delivery condition input section; and a delivery slip output section; the store server; and the reader/writer acquires. | 05-26-2016 |
20160148209 | SYSTEMS AND METHODS FOR PROCESSING MERCHANDISE RETURNS - Systems and method for processing merchandise returns are described. In some embodiments, a sales receipt can be received in connection with a requested merchandise return. A receipt identifier can be used to locate sales data associated with the original purchase of the merchandise being returned, and a customer identifier (e.g., a customer loyalty number or a hashed credit card number) can be extracted from the sales data. Customer information, such as prior merchandise return data or prior purchase data, can be retrieved using the extracted customer identifier. The customer information can be used to assess the risk associated with the requested merchandise return for making a determination of whether to accept or deny the return request. Determinations can also be made for whether to provide the customer with a warning or with a coupon in connection with the merchandise return. In some embodiments, multiple customer identifiers can be extracted from a transaction within the sales data and an association can be stored between the multiple extracted customer identifiers. The association can indicate that both customer identifiers relate to a single customer. Then, if a request is later made for customer data associated with a first customer identifier, a response an include customer data for the first customer identifier as well as customer data for other customer identifiers associated with the first customer identifier. | 05-26-2016 |
20160155108 | Systems and Methods to Implement Point of Sale (POS) Terminals, Process Orders and Manage Order Fulfillment | 06-02-2016 |
20160155114 | Smart communication device secured electronic payment system | 06-02-2016 |
20160162860 | CASH COUNT AUDIT SYSTEM - A cash count auditing system, having a cash count audit apparatus, a POS, and documenting means to electronically capture and document a cashier, manager, and/or otherwise authorized individual's signature and/or fingerprint after balancing a respective POS. The cashier, manager, and/or otherwise authorized individual's signature and/or fingerprint, as part of a report is transmitted to a server having at least one database. The cash count auditing system is designed to document POS overages and/or shortages, reduce employee theft, and identify when further POS training is required for a particular cashier. | 06-09-2016 |
20160162861 | MANAGING ELECTRONIC TRANSACTIONS - A system and method are provided for electronic transaction management. An input is received from a mobile device over a wireless communication network. The input includes an e-mail address associated with a user of the mobile device and payment data associated with a sale transaction of the user. The e-mail address associated with the user is extracted from the input. A request is sent to a server for sending information associated with the sale transaction to the e-mail address. The payment data associated with the user is extracted from the input. The payment data is sent to the server, wherein the server determines information associated with the sale transaction based on the payment data. The information associated with the sale transaction is stored in a memory location associated with the server. | 06-09-2016 |
20160162862 | MOBILE DEVICE CONTACTLESS PAYMENTS - Devices and systems for performing contactless payments. The devices are configured such that account issuers have increased flexibility, and such that the systems and methods are extensible to encompass new technologies. | 06-09-2016 |
20160162864 | POINT OF SALE SYSTEM - Aspects of the current patent document include systems, methods, and computer program products for facilitating point of sale transactions and payment transactions. | 06-09-2016 |
20160162875 | LOGIN USING QR CODE - Systems and methods are disclosed herein for a user to use a trusted device to provide sensitive information to an identity provider via QR (Quick Response) code for the identity provider to broker a website login or to collect information for the website. A user may securely transact with the website from unsecured devices by entering sensitive information into the trusted device. The identity provider may generate the QR code for display by the website on an unsecured device. A user running an application from the identity provider on the trusted device may scan the QR code to transmit the QR code to the identity provider. The identity provider may validate the QR code and may receive credential information to authenticate the user or may collect information for the website. Advantageously, the user may perform a safe login to the website from untrusted devices using the trusted device. | 06-09-2016 |
20160162997 | PROVIDING E-RECEIPTS TO CUSTOMERS - Embodiments of the invention relate to systems, methods, and computer program products for providing e-receipts to customers. Embodiments receive authorization from a customer for the customer to be enrolled in a point of transaction e-receipt communication program; receive transaction data corresponding to at least one transaction performed by the customer at a point of transaction of a merchant; and initiate communication, to the customer, of an e-receipt based at least in part on the received transaction data. Some embodiments receive authorization from a plurality of enrolling merchants for enrollment in the point of transaction e-receipt communication program; and build a cooperating merchant list comprising information corresponding to a plurality of cooperating merchants cooperating with a financial institution implementing the point of transaction e-receipt communication program. | 06-09-2016 |
20160162998 | PROVIDING E-RECEIPTS TO CUSTOMERS - Embodiments of the invention relate to systems, methods, and computer program products for providing e-receipts to customers. Embodiments receive authorization from a customer for the customer to be enrolled in a point of transaction e-receipt communication program; receive transaction data corresponding to at least one transaction performed by the customer at a point of transaction of a merchant; and initiate communication, to the customer, of an e-receipt based at least in part on the received transaction data. Some embodiments receive authorization from a plurality of enrolling merchants for enrollment in the point of transaction e-receipt communication program; and build a cooperating merchant list comprising information corresponding to a plurality of cooperating merchants cooperating with a financial institution implementing the point of transaction e-receipt communication program. | 06-09-2016 |
20160162999 | PROVIDING E-RECEIPTS TO CUSTOMERS - Embodiments of the invention relate to systems, methods, and computer program products for providing e-receipts to customers. Embodiments receive authorization from a customer for the customer to be enrolled in a point of transaction e-receipt communication program; receive transaction data corresponding to at least one transaction performed by the customer at a point of transaction of a merchant; and initiate communication, to the customer, of an e-receipt based at least in part on the received transaction data. Some embodiments receive authorization from a plurality of enrolling merchants for enrollment in the point of transaction e-receipt communication program; and build a cooperating merchant list comprising information corresponding to a plurality of cooperating merchants cooperating with a financial institution implementing the point of transaction e-receipt communication program. | 06-09-2016 |
20160171470 | Payment Terminal Messaging | 06-16-2016 |
20160171471 | METHOD FOR OPERATING PAY STATIONS OF AN ID-BASED ACCESS CONTROL SYSTEM FOR A POST-PAYMENT SCENARIO | 06-16-2016 |
20160180300 | METHOD AND APPARATUS FOR MANAGING DIGITAL RECEIPTS | 06-23-2016 |
20160180310 | Device-to-Device Claim Staking | 06-23-2016 |
20160180452 | TRANSACTION-BASED DEBT MANAGEMENT AND VISUALIZATION | 06-23-2016 |
20160188943 | AUGMENTED REALITY VISION BARCODE SCANNING SYSTEM AND METHOD - An exemplary augmented reality vision barcode scanning system for use with a human visual system includes at least one scanning contact lens, wireless enabled companion eyewear, and a remote barcode decoder. A related, exemplary method includes scanning and displaying barcodes with the augmented reality vision barcode scanning system in conjunction with a human visual system. | 06-30-2016 |
20160189135 | VIRTUAL CHIP CARD PAYMENT - Data is received that corresponds to an image presented at a location of a transaction involving a user device and a terminal device. It is determined that the user device and the terminal device are engaged in the transaction based at least in part on the data and local interactions of a payment device with the terminal device are virtualized based on authenticating the transaction. Virtualizing the interactions can include exchanging messages with the terminal device over a network according to a protocol corresponding to the payment device and the terminal device. | 06-30-2016 |
20160203453 | Control Device, Control Method of a Control Device, and a Control System | 07-14-2016 |
20160253645 | POINT OF SALE SYSTEM WITH DATA ADAPTER | 09-01-2016 |
20160253646 | PRINTER-DRAWER INTEGRATED APPARATUS AND A POINT OF SALE SYSTEM | 09-01-2016 |
20160379196 | Network System, Control Method of a Network System, and Management Server - A system including plural servers efficiently synchronizes data on different servers. When an instruction to update store management data is executed, a management server reports data was updated to the POS server. The POS server sends to the management server information indicating when the store management data was last updated. The management server then sends to the POS server update information including information related to updates to the store management data made between the last update indicated by the received information and the current update, and information indicating when the current update was applied. The POS server updates the store management data based on the update information, and stores information indicating when the current update was applied. | 12-29-2016 |
20160379197 | COMMODITY SALES DATA PROCESSING APPARATUS, PORTABLE TERMINAL AND METHOD - A portable terminal includes a wireless communication adopter and a processor. The wireless communication adopter executes wireless communication with a commodity sales data processing apparatus. The processor executes settlement processing on the basis of commodity information and in response to receiving the commodity information containing a price of a commodity from the commodity sales data processing apparatus via the wireless communication adopter. Additionally, the processor transmits, via the communication adopter, settlement information resulting from the settlement processing, to the commodity sales data processing apparatus. | 12-29-2016 |
20170236114 | Location Dependent Communications between Mobile Devices and Transaction Terminals | 08-17-2017 |
20180025350 | METHODS, SYSTEMS, NETWORKS, AND MEDIA FOR TRANSFERRING DATA STREAMS THROUGH VIBRATION TO HAPTIC DEVICES | 01-25-2018 |