Abstract: Within EMV payment specification, use of an unattended terminal to accept a payment is allowed. Creating a device that has both EMV level 1 (L1) and level 2 (L2) payment components combined with a virtual merchant creates a “card present” transaction for an on-line or e-commerce merchant. This device can be called a personal Point of Sale (pPOS). This specification discloses pPOS devices and methods that can provide for card present e-commerce transactions with a payment kernel that is local and/or remote to a pPOS device. In some embodiments, a pPOS device can include only a secure microcontroller function (MCF) and a secure element, wherein a payment kernel configured to process payment is local, remote, or split between local and remote to the device. In some embodiments, a pPOS device can further include a reader, a sensor switch, and/or a user interface function.

Abstract: A computer system for identifying merchant category code misclassifications includes at least one processor in communication with a transaction database and a high-risk merchant database. The transaction database stores transaction records by a plurality of account holders. The high-risk merchant database stores high-risk merchant records each associated with high-risk merchants. The processor queries the transaction database for transaction records and calculates a high-risk cardholder metric for each of the account numbers. The at least one processor further queries the transaction database for transaction records including (i) the account number of high-risk cardholders, and (ii) a merchant identifier associated with other than the plurality of high-risk merchants, to retrieve a second set of transaction records. The at least one processor further calculates a high-risk merchant metric for each of the merchant identifiers, identifying a MCC misclassified merchant.

Abstract: The present disclosure provides a computer-implemented method, which includes receiving a dispute information pertaining to a billing dispute by a processor, from a device associated with a customer. The method includes computing, by the processor, a score based on the dispute information, for determining validity of the billing dispute. The billing dispute is categorized based on the score computed for the dispute information. One or more actions are subsequently presented to one or more parties associated with the dispute information for resolving the billing dispute. The processor is also configured to prioritize the one or more actions based on the score computed. The present disclosure also provides a system capable of implementing the aforesaid method for prioritizing and resolving the billing disputes in an automated manner.

Abstract: Methods and systems for tracking the location of an object. The method includes assigning a unique first device identifier, associating the first device with an object, and storing the unique identifier in a location server. The method also includes receiving, at the location server, data indicating a projected travel path for the object and data comprising spatial, temporal, and contextual data elements. The method also includes determining, based on two or more of the received spatial, temporal, and contextual data elements, the availability of second devices in the vicinity of the projected travel path for the object. The method also includes transmitting, as a function of the determined availability of the second devices in the vicinity of the projected travel path for the object, a command to modify a transmission property of the first device.

Abstract: Scans of a selected product on shelves of a retail store are obtained and the scans are transmitted over a network via a transceiver circuit. A perpetual inventory (PI) value is stored for a selected product in a database. A data structure includes a first category and first actions programmatically linked to the first category. When the selected product is out-of-stock and when the PI value is greater than a predetermined threshold, one or more of the first actions associated with the first category are performed.

Abstract: Artificial intelligence techniques for scalably detecting anomalies within payroll data for a plurality of payees are disclosed. The payroll data may comprise a plurality of payroll records that are associated with a plurality of payees, and the inventive computer system can detect anomalies via steps such as (1) processing a history of the payroll records for a payee to generate a payee-specific pay distribution model, (2) comparing the payroll record for a pay period for the payee with the payee-specific pay distribution model, (3) determining whether a payroll anomaly for the payee exists within the payroll record for the pay period for the payee based on the comparing step, (4) in response to a determination that a payroll anomaly for the payee exists, flagging the payroll anomaly for further review or analysis, and (5) performing the processing, comparing, determining, and flagging steps for a plurality of payees.

Abstract: Systems, methods, and apparatuses for implementing, managing, controlling, or otherwise processing customer recurrence data for transactions, such as a transaction between a customer and a resource provider, e.g., a merchant.

Abstract: Technologies for closed-looped testing of integrated circuit card payment terminals include loading a test profile onto an integrated circuit payment card. Authorization request and response messages are locally generated and translated to simulate acquirer processor processing and payment network processing. An outcome report indicative of the outcome of the test transaction is generated and transmitted to a remote certification server. Other embodiments are described and claimed.

Abstract: The present disclosure relates to a system, method, and apparatus for managing orders and invoices among customers of a retail merchant. The system allows a first customer to establish trusted links with one or more associated fellow customers, thereby authorizing the fellow customers to add purchases to the first customer's invoice. This allows a primary customer to purchase items for a secondary customer under tightly controlled and well communicated conditions, without extra work from the merchant. The system also uses location aware services on customer's smartphones to provide data that enhances the customers' experiences, by triggering prompts to open and close and invoice. The system also uses location aware services to determine which other customers may be in a related party together.

Abstract: Methods and Systems to browse data items are described. The system receives selections, over the network at a computer based system, from a client machine and uses the selections to identify a level of interest of a first user for a first browsing set. The first browsing set includes a first browsing concept. The system receives a query from, over the network at a computer based system including a keyword. The system automatically selects the first browsing set based on the query and the elevated level of interest of the first user for the first browsing set. The system generates a first user interface including the browsing concept. Finally, the system communicates the first user interface including the browsing concept to the client machine.

Abstract: When a checkout apparatus 10 serving as a money handling apparatus detects that change is left behind after dispensing of the change in a settlement mode, the checkout apparatus 10 shifts from a settlement mode to a left money retaining mode. Upon receiving money in the left money retaining mode, the checkout apparatus 10 stores information on the amount of the money, date and time of the reception, etc., in a memory, thereby managing the left money separately from proceeds from sales. Since the same money handling unit as that for the settlement is used for storage and feeding of the left money, miniaturization and cost reduction of the apparatus is realized. Since money equivalent to the left money can be dispensed as in the settlement, a complicated operation, such as opening a housing of the checkout apparatus 10, is not necessary when responding to a request for a refund of the left money.

Abstract: The present invention is directed to an apparatus and method for conducting a transaction—such as the purchase of goods and services—including the collection, conversion, storage, tagging and the integration of a live inventory system, mark-up, mark-down system, live auction, and bartering system in an interactive software application, virtual world, social network, commercial and/or game application, which provides a real world experience to the user.

Abstract: Techniques and systems for determining paywall metrics are described. In an implementation, a candidate paywall metric is created that corresponds to an increased propensity of users to engage in a paid transaction when exposed to a paywall. In this way, providers of digital content may increase the proportion of users that perform a transaction when exposed to the paywall.

Abstract: An automated system and method of payroll processing for charitable contributions. A self-service user interface prompts an operator to identify preferences for charitable projects. A charitable giving profile for the operator is generated from the preferences for charitable projects identified by the operator. Suggested charitable projects for the operator are identified using the charitable giving profile for the operator. Project information for the suggested charitable projects is displayed on the self-service user interface. Pay for the operator, including a donation of funds from the pay for the operator to the suggested charitable projects, is automatically processed. Funds from the pay for the operator are automatically distributed to the suggested charitable projects.

Abstract: The present publication discloses a method and system for delivering goods from main system (S1) via subsystem (S2) to an end address (D1-Dn) of the customer (3). According to the invention the end address (D1-Dn) of the customer (3) is enquired (4) from the customer via telecommunications network by a multiple choice enquiry (4), the end address (D1-Dn) selected by the customer is received (5) and the goods are delivered to the selected end address (D1-Dn).

Abstract: Disclosed herein is a technology for automatically triggering delivery of a digital receipt for a financial transaction based on a previously stored electronic address for receiving digital receipts. In at least some embodiments, the technology includes a digital receipt system working in coordination with one or more merchants' POS device to deliver receipts for current transactions based on a previously stored electronic address from past transactions. The first time a user utilizes a payment instrument in a transaction, the system associates and stores the payment-instrument information with an identifier of the user. The next time a transaction is detected that involves the identifier, the system automatically triggers receipt delivery to an electronic address associated with the identifier.

Abstract: A method and system capable of authenticating transactions involving at least one service provider and one or more users who are each in electronic communication. This electronic communication can be, for example, SMS, MMS, e-mail, or online account messaging. It is an aspect of certain embodiments where the transaction is an authentication and/or verification of an entity. Examples of such entities are products, actions, and users.

Abstract: A computer system can determine a set of merchant locations utilizing a network transaction service within a vicinity of a user based on position information from the computing device of the user. The system can generate a user interface to present the set of locations to the user. The system can receive a transaction request from the user and automatically execute a transaction process using a shared funding account of the network transaction service to fulfill the request.

Abstract: Examples described herein relate to apparatuses and methods for providing automated advising services to a customer of a provider institution, including but not limited to a provider institution computing system determining a goal of the customer based on a user input of the customer, generating a set of sub-goals for the goal, determining a current status of the customer relating to the sub-goals and the goal, determining whether the current status of the customer meets any sub-goals and a projected status of the customer indicating whether the customer is projected to meet the goal, and sending a notification to a user device of the customer notifying the customer of a completion state of the goal based on at least one of the sub-goals met by the current status of the customer and whether the customer is projected to meet the goal.

Abstract: A system has a datastore including a pro-rata digital wallet associated with a cardholder. The pro-rata digital wallet includes two or more payment card accounts. The system includes a processor programmed to receive an authorization request message from a point-of-sale terminal. The authorization request includes an identification number from a transaction device presented by the cardholder. The processor is programmed to determine whether the identification number corresponds to one of the payment card accounts associated with the pro-rata digital wallet and, if so, identify each of the payment card accounts associated with the pro-rata digital wallet. The processor is programmed to determine a pro-rata payment amount for each of the payment card accounts associated with the pro-rata digital wallet. Each pro-rata payment is based on an available balance of each of the payment card accounts relative to a total available balance for a combination of each of the payment card.