Abstract: Systems, apparatuses, and methods for the recognition and allocation of revenue generated by a subscription based pricing model or plan that is applied to a product or service. Embodiments respond to customer needs for a flexible and powerful revenue allocation engine to permit correct revenue distribution within a subscription economy and effectively trace changes to a revenue schedule and the resulting revenue recognition. Embodiments can efficiently react to changes to a subscription agreement and calculate a new distribution for a revenue schedule and its impact on revenue recognition and future revenue projections. In one embodiment, the systems and methods includes a revenue recognition/allocation engine that operates to evaluate the impact of “charge events” on revenue generation, taking into account relevant business rules and revenue recognition principles.

Abstract: Systems and methods are provided for use in locating one or more merchant terminals based on transaction data associated with the terminals. One exemplary method generally includes accessing, by a computing device, transaction data for a transaction to a payment account between a merchant and a consumer at a merchant terminal where the transaction data includes a terminal ID for the merchant terminal, a merchant ID of the merchant, an acquirer ID for an acquirer associated with the merchant, and a temporal indicator. In addition, the method includes receiving, by the computing device, location data associated with the transaction, identifying, by the computing device, a location associated with the location data as a location of the merchant terminal, and assigning, by the computing device, a score to the identified location indicative of a confidence that the identified location is the actual location of the merchant terminal.

Abstract: Systems and methods for presenting fraud detection information are presented. In one example, a computer system analyzes empirical data to detect potentially fraudulent activity and alerts users of the potentially fraudulent activity via a fraud detection user interface. The fraud detection user interface determines a set of user interface components to suitable to present the potentially fraudulent activity and presents facts associated with the potentially fraudulent activity to a user for further analysis and investigation.

Abstract: A method is disclosed that includes identifying an inventory item corresponding to a product configuration. The product configuration is defined using a feature map. The inventory item is also defined using the feature map. Each entry of the feature map corresponds to one of a number of features of a product.

Abstract: A mobile scanner gun system is designed for a retail store with integrated mobile tablet device carried by employees. The mobile tablet device is connected to the pistol gun base housing through a base mount universal receiver with rotational coupling, and communicates to a USB barcode scanner/reader and MSR through a specialized universal serial bus wiring harness. The Main PCB has an EEPROM controlling operations of a scanner and an MSR. The mobile tablet device has mobile applications which allow wireless communication in the form of Wi-Fi or wireless cellular with a POS store systems server and corporate ERP system, and also commands the EEPROM. Merchandise to be purchased is scanned and received by the mobile tablet device and then sent wirelessly to the POS store systems server and corporate ERP system to obtain product data concerning description, price, inventory, electronic and physical coupon, promotions, customer loyalty data and rewards.

Abstract: Embodiments of the present invention relate to systems, methods, processes, computer program code, and means for employing the near field communication (“NFC”) functionality of mobile devices for use in payment transactions.

Abstract: A method can include receiving, at a first financial institution from a mobile device of a consumer, a first request to pay a merchant for a payment amount from a first account of the consumer maintained by the first financial institution. The method also can include determining, at the first financial institution, second information including an account identifier of a second account of the merchant maintained by a second financial institution, at least partially based on the merchant identifier and third information obtained from a first system. The method additionally can include authorizing, at the first financial institution, a payment from the first account to the second account. The method further can include sending, from the first financial institution to the first system, payment information regarding a deposit to be made in the second account from the first account. Other embodiments are provided.

Abstract: Embodiments of a system and method for evaluating correction submissions with supporting evidence may include, subsequent to a submitter being provided with item description information for an item offered for sale, receiving a correction submission specified by the submitter. The correction submission may specify a proposed modification to an attribute(s) in the item description information. Embodiments may include generating a measure of risk associated with performing the proposed modification to the item description information. Embodiments may also include, based on an evaluation of the measure of risk and one or more risk criteria, generating an indication that specifies whether the proposed modification to the item description information is permitted to be performed. Embodiments may also include receiving information for confirming the validity of the correction submission, which may include an image (e.g., a product image), or a network address (e.g.

Abstract: Embodiments of the invention include a system for managing inventory transactions within an online marketplace including a reservation server to mediate inventory exchange from a buyer to a seller via an online network. The reservation server includes a memory and a processor coupled to the online network. The memory includes computer-executable instructions that when executed by the processor, establishes a sales channel between the seller and buyer. The sales channel includes a direct sales channel, an indirect sales channel, and resale channel. The online network includes a marketplace server including an inventory that can be reserved, sold, or resold through the sales channel mediated by the reservation server based on the reservation server receiving an inventory reservation request from the seller or buyer. Further, the inventory includes a set price, and the buyer can purchase, repurchase, reserve, option, or swap at least one inventory.

Abstract: Via a graphical user interface on a first mobile computing device of a first user, the first user is prompted to upload a first electronic photograph representing an appearance of the first user who is a participant of a virtual social network. Via the graphical user interface, the first electronic photograph uploaded by the first user is received. From a second user who is also a participant of the virtual social network, an electronic voucher is received. The electronic voucher is redeemable for a merchandise item that is offered by a physical venue, the physical venue corresponds to the virtual social network. A screen is generated that contains both the electronic voucher and the first electronic photograph. An electronic scan of the electronic voucher is detected. An electronic transaction is completed, in which the merchandise item is redeemed in response to the electronic scan of the electronic voucher.

Abstract: A method implemented in a computer infrastructure having computer executable code tangibly embodied on a computer readable medium being operable to associate each of a plurality of tenants with a respective virtual portal and individually meter virtual portal usage at each respective virtual portal. Additionally, the computer executable code is operable to determine a fee amount for the each of the plurality of tenants based on the individually metered virtual portal usage.

Abstract: A payment processing system enables a consumer to purchase items at a merchant using an account provided by an issuer. Financial data related to payment for the purchase are sent by the merchant through an acquirer and a transaction expeditor to the issuer. The issuer responds by determining whether to authorize the purchase and if authorized, sends a notification back to the merchant. The acquirer also issues non-financial data that is conveyed by the transaction expeditor to a recipient connected to the payment processing system. The financial and non-financial data for the same transaction may be sent in separate messages and a technique is provided for matching those messages at the recipient. Different types of non-financial data can be conveyed, such as identification of the items being purchased which the recipient uses to determine whether the consumer should receive a reward under a product purchase incentive program.

Abstract: A method for managing mobile payments in a mobile phone. The method includes receiving data associated with a plurality of issuer specific payment services at a mobile phone, selecting one of the issuer specific payment services, and conducting a transaction using the phone.

Abstract: Techniques for assisted self checkout are provided. Customers or store personnel use scan devices that are independent of a self-checkout kiosk as they shop in a store to scan goods that are to be purchased. The transactions are independent of any particular checkout terminal. When the customer is ready to checkout, the customer approaches a checkout station and the transaction for the customer is located and recalled. The customer completes payment at the station to end the transaction and exit the store.

Abstract: A particular item may be categorized based on delivery times of the particular item. In some instances, the particular item may be ranked across multiple merchants that are offering the particular item for acquisition. The ranking may be based on an estimated amount of delivery time to deliver the particular item, for the individual merchants, to a current location of a user. The estimated amount of delivery time may be based on a preparation time for the respective merchant to prepare the particular item, a courier time for a courier to transport the particular item to the current location of the user, and so on. Information regarding the ranking may be displayed or otherwise output to enable the user to identify and order the particular item from a merchant that satisfies the user's needs.

Abstract: A printing system can easily configure a data terminal when a POS application running on a server is used from a data terminal. A POS system has a server that runs a POS application, a data terminal, and a printer communicatively connected through the Internet to the server. The printer has a local communication unit that establishes communication with the data terminal, a communication relay unit that communicatively connects the data terminal and the server, a configuration settings acquisition unit that gets configuration settings to configure the POS application from the server, and an application configuring unit that configures the POS application based on the configuration settings to use the POS application from the data terminal.

Abstract: A method of managing an electric lockbox, such as to reduce processing times associated with remittance processing, may include receiving, by one or more computing devices at a financial institution, a batch file and/or one or more physical remittances at lockbox associated with a payee, the batch file and any physical remittances comprising information associated with a plurality of financial transactions between one or more payors and the payee. The one or more computing devices may then determine whether at least a portion of the information corresponds to a payee preference. A report may be communicated to the payee, the report including a record of the plurality of financial transactions as a set of documents corresponding to the payee preference. In some cases, the report may include at least a portion of the remittance information associated with the plurality of financial transactions deposited into an account associated with the payee.

Abstract: Introduced is a technology for withdrawing cash from a cash transaction machine (CTM) by use of a mobile payment application installed on a mobile device of a consumer user (“the CTM technology”). Briefly described, the CTM technology enables a consumer user to identify one or more CTMs from which to withdraw cash by using his/her mobile device (e.g., a smartphone) as a “virtual” card. A particular CTM can be a conventional ATM or a POS system at a merchant's place of business. The user can use a mobile payment application installed on the user's mobile device to identify any nearby CTMs, request a withdrawal amount from a particular CTM from the identified nearby CTMs, receive a transaction code specific to that particular CTM, and physically obtain, or collect, the cash representative of the withdrawal amount at that particular CTM using the transaction code.

Abstract: A system and method are disclosed in an automated expense report system for identifying a delegated user and granting to the user delegate rights. At least one granted right includes one or more permissions to carry out certain operations in the expense report system such as permission to create an expense report, permission to access receipt data, permission to approve an expense report, or permission to view an expense report. At least one permission is associated with one or more workflows by which the operations are carried out. In one embodiment, data that identifies delegates is sent to an image capture device coupled to the expense report system and a delegated user carries out operations in the expense report system from the image capture device. In one embodiment, the expense report system keeps a database of the users and those delegating persons for whom a user is permitted to act.

Abstract: Systems and methods for programmatic access of external financial service systems. An application proxy instance is created that simulates an application of an external financial service system. A normalized account request is received for financial data of the external financial service system for a specified account. The normalized account request is provided by an external financial application system by using a financial data API of the financial platform system. Responsive to the normalized account request, communication is negotiated with the external financial service system by using the application proxy instance to access the requested financial data from the external financial service system by using a proprietary Application Programming Interface (API) of the external financial service system. The financial data is provided to the external financial application system as a response to the normalized account request.