Abstract: A method comprising receiving, via a first application and from a client device, a request for a data format conversion of transaction data; responsive to receiving the request, transmitting, via the first application, a verification request comprising an institution identifier and an account identifier to a second application, receiving, via the first application from the second application, verification that the first account identifier is associated with a valid user account; converting, via the first application, a portion of the transaction data from a first format to a second format; transmitting, via the first application, an update request to the second application, receipt of the update request causing the second application to (1) select an established connection with an institution, and (2) initiate an update transaction with the institution based on the converted transaction data; receiving, via the first application, an indication that the update transaction was successful.

Abstract: A method comprising receiving, via a first application and from a client device, a request for a data format conversion of transaction data; responsive to receiving the request, transmitting, via the first application, a verification request comprising an institution identifier and an account identifier to a second application, receiving, via the first application from the second application, verification that the first account identifier is associated with a valid user account; converting, via the first application, a portion of the transaction data from a first format to a second format; transmitting, via the first application, an update request to the second application, receipt of the update request causing the second application to (1) select an established connection with an institution, and (2) initiate an update transaction with the institution based on the converted transaction data; receiving, via the first application, an indication that the update transaction was successful.

Abstract: A payment terminal and a host computer system are configured to provide human-readable messaging capability with a person at an external location outside of a financial infrastructure. A payment terminal at a point of sale may be used to cause human-readable message content to be forwarded to the person by the host computer system, either automatically or at the instigation of an operator of the payment terminal. Message content from the person may be delivered to the payment terminal for display to the operator. The person at the external location may be able to retrieve information stored in the payment terminal via standard communication channels. The system also provides a mechanism for exchanging messages between payment terminals.

Abstract: A payment terminal and a host computer system are configured to provide human-readable messaging capability with a person at an external location outside of a financial infrastructure. A payment terminal at a point of sale may be used to cause human-readable message content to be forwarded to the person by the host computer system, either automatically or at the instigation of an operator of the payment terminal. Message content from the person may be delivered to the payment terminal for display to the operator. The person at the external location may be able to retrieve information stored in the payment terminal via standard communication channels. The system also provides a mechanism for exchanging messages between payment terminals.

Abstract: A payment terminal and a host computer system are configured to provide human-readable messaging capability with a person at an external location outside of a financial infrastructure. A payment terminal at a point of sale may be used to cause human-readable message content to be forwarded to the person by the host computer system, either automatically or at the instigation of an operator of the payment terminal. Message content from the person may be delivered to the payment terminal for display to the operator. The person at the external location may be able to retrieve information stored in the payment terminal via standard communication channels. The system also provides a mechanism for exchanging messages between payment terminals.

Abstract: Systems, methods, and devices for processing feedback information received from mobile device responding to tone transmission are provided. One system may include a memory for storing computer-executable instructions, and an information source processor in communication with the memory, wherein the processor is configured to execute the computer-executable instructions to associate a location identifier with user prompting information and transmit the location identifier to a tone transmission device, where the location identifier is embedded in a tone. The processor is further configured to execute the computer-executable instructions to receive the location identifier that was sent from a mobile device that received the tone from the tone transmission device, retrieve, from the memory, user prompting information based on the location identifier, and transmit the user prompting information to the mobile device.

Abstract: Systems, methods, and devices for prompting mobile device users for feedback information using tone transmissions are provided. One device may include a network interface, a display, a microphone, and a processor in communication with the network interface, display, and microphone, where the processor is configured to execute computer executable instructions to receive, by the microphone, a tone, where the tone includes a location identifier. The processor is further configured to execute computer executable instructions to extract the location identifier from the tone, and transmit, via the network interface, a signal that includes at least a portion of the location identifier. Moreover, the processor is further configured to execute computer executable instructions to receive, via the network interface, user prompting information associated with the location identifier, and display at least a portion of the user prompting information on the display.

Abstract: Systems, methods and apparatus for facilitating transactions using a mobile device are provided by certain embodiments of the invention. Information associated with a proposed transaction may be received at a mobile device from a point of sale device. The mobile device may communicate a request to approve the proposed transaction to a transaction processor. The request may at least a portion of the received information and an identifier associated with the mobile device. The transaction processor may determine whether to approve the proposed transaction and communicate an approval or decline message to the point of sale device.

Abstract: Systems, methods, and apparatus receiving promotion information by a mobile device are provided by certain embodiments of the invention. According to one embodiment, an information carrying tone may be received at a mobile device from a tone transmission device, wherein the information carrying tone includes at least one location identifier associated with promotion information. A tone processing application of the mobile device may further provide for processing the information carrying tone to extract at least one location identifier, and to transmit, to an information source, an indication responsive to receiving the information carrying tone. Also according to various aspects, following transmission of the indication, promotional information can be received by the mobile device for subsequent processing and utilization, such as an activation confirmation or a redeemable promotion.

Abstract: Systems, methods, and apparatus providing promotion information to a mobile device are provided by certain embodiments of the invention. According to one embodiment, promotion information for a program may be associated with an information carrying tone that is transmitted to a mobile device associated with an operator by a tone transmission device. An indication received responsive to the mobile device receiving the information carrying tone can be stored, and at least one entry associating the promotion and the operator can be stored responsive to receiving the indication. Also according to various aspects, following receipt of the indication, it may be determined whether the promotion is validated and/or can be activated for the operator, and promotional information can be communicated to the operator, such as a activation confirmation or a redeemable promotion.

Abstract: Methods and systems are described for processing transactions. The methods and systems enable a consumer to present a customer identifier, such as a merchant loyalty or membership card or other identifier as a payment device at a point of sale. In one implementation, a personal account number is generated by appending a proprietary routing code to a customer registration account number so that the personal account number is formatted for transmission as a payment device number over an electronic funds transfer network. In another implementation, the customer registration account number comprises the proprietary routing code. A preferred payment account identifier is accessed, based on the personal account number, from a database, and a transaction approval message is constructed comprising the preferred payment account identifier. The account from which payment is made may be a credit account, a demand deposit account, a stored value account, or another kind of account.

Abstract: In accordance with one embodiment of the invention, a system is provided that allows a point of sale device to capture the signature of a check writer at the time a check is presented for ACH processing. In accordance with another embodiment, a test can be made to compare optically read information from the face of a check against a negative database or a risk management database to reduce the risk of bad checks being processed by a merchant.

Abstract: According to one embodiment of the invention, a system can be provided to detect fraudulent activity occurring during check processing. Such fraudulent activity can be detected for example by monitoring the electronic check imaging process and performing checks on the data to determine anomalous occurrences that are indicative of fraudulent transactions.

Abstract: A payment terminal and a host computer system are configured to provide human-readable messaging capability with a person at an external location outside of a financial infrastructure. A payment terminal at a point of sale may be used to cause human-readable message content to be forwarded to the person by the host computer system, either automatically or at the instigation of an operator of the payment terminal. Message content from the person may be delivered to the payment terminal for display to the operator. The person at the external location may be able to retrieve information stored in the payment terminal via standard communication channels. The system also provides a mechanism for exchanging messages between payment terminals.

Abstract: Systems, methods, and apparatus for providing promotion information to a mobile asset are provided by various embodiments of the invention. At least one triggering event for soliciting promotional information may be detected. Based on the detection, a request for promotional information may be communicated to a promotional information server and promotional information may be received in response to the request. At least a portion of the promotional information may be presented to a user by a designated asset.

Abstract: Systems, methods, and devices for administering consumer reward programs by providing reward identifier and/or reward content to mobile devices, such as cell phones, via information carrying tones to be used in additional rewards processing. One method may include receiving, by a microphone of a mobile device, a tone, where the tone includes a reward information such as a reward identifier or reward content. The method further includes extracting, by a mobile device processor, the reward identifier or reward content from the tone, and storing, by the mobile device processor, the reward identifier or reward content in a memory of the mobile device. In example embodiments of the invention, the information carrying tone may be transmitted such that the tone is substantially inaudible to the vast majority of humans.

Abstract: Systems, methods, and apparatus providing promotion information to a mobile device are provided by certain embodiments of the invention. According to one embodiment, promotion information for a program may be associated with an information carrying tone that is transmitted to a mobile device associated with an operator by a tone transmission device. An indication received responsive to the mobile device receiving the information carrying tone can be stored, and at least one entry associating the promotion and the operator can be stored responsive to receiving the indication. Also according to various aspects, following receipt of the indication, it may be determined whether the promotion is validated and/or can be activated for the operator, and promotional information can be communicated to the operator, such as a activation confirmation or a redeemable promotion.

Abstract: Systems, methods, and apparatus for communicating information associated with tones to a mobile device are provided by certain embodiments of the invention. A request for information associated with a tone that was received by a mobile device may be received at an information source from the mobile device. The request may include at least one location identifier extracted from the tone by the mobile device. The at least one location identifier may be utilized to obtain the requested information, and the requested information associated with the tone may be communicated from the information source to the mobile device.

Abstract: Systems, methods, and devices for communicating supplemental information associated with a product or service to mobile devices. One device may be a mobile device that includes a memory, a microphone, and a processor in communication with the memory and the microphone, where the processor is configured to execute computer executable instructions to receive a tone via the microphone, where the tone comprises supplemental information. The processor is further configured to execute computer executable instructions to extract the supplemental information from the tone, and store the supplemental information in the memory of the mobile device. The device may further include the ability to initiate a purchase, using the mobile device, of a product or service associated with one or more tones received by the mobile device.

Abstract: Systems, methods, and apparatus for providing marketing information by communicating tones to a mobile device are provided by certain embodiments of the invention. A tone may be stored in at least one memory associated with a tone transmission device. The tone may include at least one location identifier for information associated with the tone. The tone may be transmitted from the tone transmission device to the mobile device. Following receipt by the mobile device, the location identifier(s) may facilitate the receipt of the information associated with the tone from an information source.