Abstract: Improved techniques for adapting the look, feel, and/or behavior of a mobile application based on user attributes, location, and/or environment in which it is used are described herein. A triggering condition is determined to be satisfied between a hand-held device and a beacon. Based on the triggering condition being satisfied, one or more application settings are applied to an adaptive application, where these settings are associated with the beacon. Additionally, in response to fetching or acquiring an application skin that is associated with the beacon, the application skin is also applied to the adaptive application.

Abstract: A system and method for adapting the look, feel, and behavior of a mobile application based on the user, location or environment in which it is used.

Abstract: A system and method for adapting the look, feel, and behavior of a mobile application based on the user, location or environment in which it is used.

Abstract: A computer system is provided which determines that a mobile device associated with an identified customer is within a seller's store. The computer system further receives transaction information from a mobile wallet application associated with the customer which includes an indication of items that are to be purchased, an indication of the amount that is to be paid, and an indication that payment is to be made from a stored value account (SVA) associated with the customer. The computer system determines, based on the customer's identity, current location, and the received transaction information, that the customer has approved the transaction, processes the transaction using the customer's SVA, provides a credit to the seller in the amount debited from the customer's SVA and generates an electronic receipt for the customer, notifying the customer that the seller has received the specified amount of money from the customer's SVA.

Abstract: A mobile global exchange platform is provided. The mobile global exchange platform includes a processor, a hardware receiver that receives an indication that a sum is to be transferred between transaction systems, a determining component that determines a country of origin for the transaction systems, a data accessing component that accesses data structures that indicate financial regulatory schemes under which the transaction systems operate, an analyzing engine that analyzes the current regulatory schemes to determine how to transfer sums between the first and second transaction systems in accordance with each system's respective financial regulatory scheme, and a value transferring component configured to electronically transfer the sum, in compliance with the regulatory schemes of the transaction systems, so that the sum is transferred from one transaction system to another transaction system according to each system's respective current regulatory schemes.

Abstract: 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.

Abstract: Embodiments are directed to providing targeted messages using a plurality of communication channels and to providing targeted messages to mobile devices. In one scenario, a computer system instantiates a multi-channel communication service that is configured to provide different targeted messages using multiple different communication channels. The computer system further determines that a targeted message is to be provided to a specified user through a first communication channel, and provides the targeted message through the first communication channel. The computer system also determines that the targeted message is to be provided to the specified user through a second, additional communication channel, and provides the targeted message through the second, different communication channel. The messages may include any type of content including text, pictures, videos, links or other content.

Abstract: 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.

Abstract: 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.

Abstract: A system and method for adapting the look, feel, and behavior of a mobile application based on the user, location or environment in which it is used.

Abstract: A system, method and apparatus for the identification of users and devices based on proximity. More specifically, embodiments of the present invention relate to identifying registered devices and users using a combination of components, factors and technologies including geo location, sound, and low energy Bluetooth. Further embodiments include the transacting of payments between registered users that are within a specified proximity of each other.

Abstract: Embodiments are directed to purchasing content provided by a cloud-based entertainment platform and to accessing media content provided by a cloud-based entertainment platform. In one scenario, a computer system receives authentication credentials from a user. The computer system authenticates the user to the cloud-based entertainment platform using the received authentication credentials. The computer system then receives payment data from the authenticated user, where the payment data includes a tokenized QR code that contains an indication of the media items being purchased and embedded account information for both the provider of the selected media items and the user. The computer system also processes a payment transaction based on the indication of media items being purchased and the embedded account information in the tokenized QR code and, upon determining that the authenticated user has paid for a media item, transmits the purchased media item to the user.

Abstract: Provided is a system and method for reducing fraud related to payment using a mobile application. A method for a mobile transaction enables a server of a third party rather than a merchant and a consumer, to verify whether the consumer of the mobile transaction is valid or not in response to a verification request related to the mobile transaction. Accordingly, since the third party can verify whether the consumer of the mobile transaction and an application for purchasing are valid or not, verification reliability with respect to a mobile payment can be improved and thus damage caused by payment fraud can be remarkably reduced.

Abstract: Embodiments are directed to sharing a loyalty and rewards program across multiple merchants. In one scenario, a computer system receives an indication that a user has redeemed a specified number of loyalty points using a redemption code for items at a second merchant, where the user has received at least some loyalty points from a first merchant as the result of a prior purchase, and where the user's loyalty points are stored in loyalty points store. The computer system then debits, from the user's store of loyalty points, the specified number of loyalty points redeemed by the user, credits the second merchant with at least some of the value associated with the items paid for using the stored loyalty points, and debits the first merchant for at least some of the value associated with the items paid for using the user's stored loyalty points.

Abstract: Embodiments are directed to performing transactions using a quick response (QR) code, and to directly purchasing items from a seller using a QR code. In one scenario, a computer system receives, from a purchaser, an indication of items that are to be purchased using a mobile wallet application, and determines a total price for those items. The computer system then receives a tokenized QR code that includes embedded account information for the purchaser. The computer system generates a second tokenized QR code that includes encrypted account information for the seller, along with encrypted account information for the purchaser and the determined total price for the items that are to be purchased, and sends the second tokenized QR code to a transaction processing node where the money is transferred. The computer system then receives an electronic receipt indicating that the money was transferred from the purchaser's account to the seller's account.

Abstract: Embodiments are directed to aggregating product savings into a quick response (QR) code and to providing a targeted offer via a financial transaction receipt. In one scenario, a computer system scans various items that are provided for sale by a retailer. The scanning resulting in scanning information that corresponds to the scanned items. The computer system sends the scanning information for the scanned items to a second computer system to determine whether coupons or price discounts apply to the scanned items. The computer system then receives coupons or price discounts for the scanned items from the second computer system and aggregates each of the received coupons or price discounts into a QR code that is presentable by a customer at a point of sale to redeem the coupon or price discount for the scanned items.

Abstract: 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.

Abstract: An electronic payment system for peer to peer money lending can receive a lending request from a lendee. The lending request can indicate a requested amount of money. The system can open a loan ticket corresponding to the lendee. The system can then receive the lending amount from one or more lenders indicating the amount the lender intends to lend to the lendee. Once the system determines that the loan ticket amount has been filled, the system can provide the loan ticket amount to the lendee.