Abstract: A method and system a system for activating a wireless service includes a subscriber identity module (SIM) card having a first surface, the SIM card including a subscriber identity module (SIM), and an activation code stored with the SIM card. The activation code is linked to the SIM. A wireless device configured to receive the SIM, where the SIM is configured to be utilized in the wireless device, the wireless device including: a memory that stores an operating system of the wireless device and a wireless service activation application, a processor that processes a function of the wireless device, a display that displays information to a user, the wireless service activation application is configured to capture the activation code that authorizes the wireless device on a wireless network and authorizes a predetermined amount of wireless service for the wireless device associated with said SIM.

Abstract: Systems, methods, and computer-readable media are disclosed for systems and methods for personalizing portable shopping displays using mobile devices and inaudible tones. Example methods may include causing a first inaudible tone to be emitted by a speaker, the first inaudible tone configured to initiate a change in a user interface at a mobile device, determining a second inaudible tone from a user device using a microphone, the second inaudible tone including a user identifier of a user, and determining a user interaction with a product at a product display. Certain example methods may include determining user preference data, and causing presentation of product information for the product using the user preference data.

Abstract: A method of providing rewards-based payment method selection includes storing a plurality of payment account numbers in association with a tokenized financial account number. The method includes receiving user rewards preferences and a primary transaction authorization request. The method also includes generating a plurality of provisional transaction authorization requests and transmitting the provisional transaction authorization requests to one or more payment authorization servers. The method further includes receiving a plurality of provisional transaction authorizations and selecting a preferred payment account number based on the user rewards preferences. The method also includes transmitting a transaction authorization message to the merchant POS terminal to authorize the attempted transaction based on a provisional transaction authorization.

Abstract: Systems, methods, processes, computer program code and means for conducting a payment transaction are provided which include activating a payment application of a mobile device, generating, using the payment application, an optical image representing payment account information associated with the payment application, said payment account information including at least one of a payment account number, an expiry date of the payment account number, and a dynamic verification code generated by the payment application; and presenting the optical image to a merchant transaction terminal for scanning to conduct the payment transaction.

Abstract: For managing application data of different contactless card applications for a plurality of mobile communication devices (2), a card emulation module and application data for contactless card applications are transferred (S2, S3) by a computer system (1) to one of the mobile communication devices (2). The card emulation module is configured to control the mobile communication device (2) to emulate a contactless card module and to execute data transactions (S6, S7) via a close range wireless communication interface of the mobile communication device (2) using the application data. The computer system (1) maintains (S20, S30, S40, S50, S60) for the mobile communication devices (2) a card database with representations of the card emulation modules and their application data. The computer system (1) makes it possible to manage centrally and flexibly the application data of different contactless card applications and different application providers for a plurality of mobile communication devices (2).

Abstract: A system and method of facilitating wireless charging of an electric vehicle (EV) include the EV performing service discovery and negotiation via a neighborhood aware network (NaN) to determine charging compatibility of a WiFi enabled charging station or another EV with the EV. The method also includes the EV requesting a reservation from the charging station or a charge from the another EV based on determining that the EV is compatible with the charging station or the another EV by broadcasting a request message that includes a packet with the request via the NaN.

Abstract: A payment transaction is performed at a POS (point of sale) device. The device includes a terminal component and a reader component. The reader component includes a contact interface for establishing a data signal path via conductive contact with an integrated circuit (IC) payment card. A payment transaction is initiated. The data signal path is established between the reader component and the IC payment card. The IC payment card is commanded to generate a cryptogram for verification by an issuer of the card. The cryptogram is received from the card. In response to receiving the cryptogram, a command is issued to disable contact reading operation by the reader component.

Abstract: In some cases, a provisioned electronic device may receive a request for configuration information from an unprovisioned device. In response, the provisioned device may determine configuration information to send to the unprovisioned device based at least in part on the contents of the request. Examples of configuration information may include network credentials for connecting to a wireless local area network, a registration token that identifies the unprovisioned device to a fulfillment service, and user preferences associated with a user of the provisioned device. Further, the provisioned device may send the configuration information to the unprovisioned device. Upon receipt of the configuration information, the unprovisioned device may utilize the configuration information to order products from the fulfillment service. In some instances, the provisioned device may obtain the configuration information from the fulfillment service.

Abstract: Methods and systems for receiving a proximity payment account number (PPAN) with payment transaction data for a payment transaction from a mobile device, the PPAN selected from at least one PPAN; mapping the received PPAN to a primary account number (PAN); generating an authorization request for the payment transaction based on the PAN and the payment transaction data; receiving an authorization response message; and providing an output including the authorization response message and the PPAN.

Abstract: A server is operable to receive a media device identifying number (ID) and establish an association between a media device and a payment account and, in one embodiment, supports at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. A network and system includes a payment card processor server that is operable to receive a payment authorization request and to determine if an authorized media device generated a purchase selection message and to determine to approve a received payment authorization request based, in part, if the media device was authorized for the purchase selection based upon a received media device ID. The system is further operable to perform a key rotation to protect payment account information.

Abstract: 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.

Abstract: A system includes a processor configured to wirelessly instruct fuel dispensation initiation over a direct wireless connection between a vehicle and a refueling truck, responsive to a wireless request made by the refueling truck, the request including a valid token and a refueling truck MAC ID with which the wireless connection is established.

Abstract: Provided are a system and method for combining USB data streams. In one example, the method may include receiving, via an input port, a first universal serial bus (USB) input signal from a first device that is connected to the input port, receiving, via an interface, a second USB input signal from a second device, combining data from the first USB input signal and data from the second USB input signal to generate a combined USB data signal, and outputting, via an output port, the combined USB data signal to a third device that is connected to the output port. The system and method described herein can improve USB data transfer by combining USB data from multiple USB streams into a single USB output stream.

Abstract: An example customer assistance system and associated methods are described. The example customer assistance system includes a shopping cart, a customer assistance unit mounted on the shopping cart, and a location system disposed remotely from the shopping cart and the customer assistance unit. The customer assistance unit includes a light source oriented upwards relative to horizontal, and an actuator for actuating the light source into an illumination position. In the illumination position, the light source projects a light beam over the shopping cart. The locating system includes at least one image capturing device configured to scan a ceiling for the light beam and to determine a source location of the shopping cart based on a ceiling location of the light beam.

Abstract: Power is conserved in a mobile device having a lock screen wallpaper by: (1) identifying the mobile device is at a business location, (2) temporarily replacing lock screen wallpaper in the mobile device to an image having a scanning code, the scanning code encoding payment information for a cloud-based transaction at the business location, (3) activating a display of the mobile device and rendering the image having the scanning code as the lock screen wallpaper on the activated display of the mobile device which remains in the screen locked state; and (4) conserving power in the mobile device by providing the image having the scanning code as the lock screen wallpaper of the mobile device, without having to unlock the mobile device.

Abstract: Power is conserved in a mobile device having a lock screen wallpaper by (1) identifying when the mobile device is at a business location, (2) temporarily replacing the lock screen wallpaper of the mobile device to an image having a scanning code (e.g., a QR code, a barcode, etc.), the scanning code encoding payment information for conducting a transaction at the business location, (3) activating a display of the mobile device and rendering the image having the scanning code as the lock screen wallpaper on the activated display of the mobile device which remains in the screen locked state, and (4) conserving power in the mobile device by providing the image having the scanning code as the lock screen wallpaper of the mobile device, without having to unlock the mobile device.

Abstract: Embodiments of the disclosure enable one or more financial transactions to be processed based on a transaction score generated based at least in part on a delivery receipt history. A financial transaction processing computing device receives a request for authorization for a present financial transaction associated with a cardholder account, identifies a reference delivery receipt corresponding to a prior financial transaction associated with the cardholder account, analyzes the reference delivery receipt to generate a confidence metric indicative of a confidence in a legitimacy of the prior financial transaction, and generates a transaction score for the present financial transaction that is indicative of an expected risk associated with approving the request for authorization. Aspects of the disclosure provide for authorizing one or more financial transactions based on an authentication of a recipient associated with a prior financial transaction.

Abstract: Techniques are disclosed for utilizing NFC, beacon, geo-fencing and/or other technologies to select default virtual cards in virtual wallets and to enable promotions for individuals who utilize the default virtual cards to conduct transactions. A reconfiguration signal that designates a virtual card to be a default virtual card is transmitted to a mobile device having an installed virtual wallet application. The virtual wallet application determines whether it includes stored information corresponding to the virtual card identified by the reconfiguration signal. In response to determining that the virtual wallet application includes the virtual card identified by the reconfiguration signal, the virtual wallet application updates or confirms a default card setting of the virtual wallet application to designate the virtual card identified by the reconfiguration signal as the default virtual card. Promotions may be applied to transactions involving the default virtual card for a predetermined period of time.

Abstract: Embodiments of the invention facilitate payment transactions by integrating the image capture and image processing capabilities of certain mobile devices with the card-based payment transaction infrastructure. In some embodiments, a camera contained in a mobile device is used to capture an image of a barcode that is visible on the surface of a substrate. The barcode may represent or otherwise encode one or more of payment account data, consumer authentication data, consumer profile data, or other relevant information. In some embodiments, the captured image may be processed by the mobile device to extract the payment account data, authentication data, or other relevant data. This data may then be communicated to a data processing element that is connected to, or forms part of, a payment processing network in order to conduct the desired payment transaction.

Abstract: Various embodiments are related to apparatuses and methods for enabling a merchant to perform banking-type transactions for a customer. A merchant can use, for example, a sales system configured to be used by the merchant to sell goods to perform a banking-type transaction for a customer. The sales system can send information related to the banking-type transaction to, for example, a buyer/seller platform. When the banking-type transaction is a deposit, the merchant can receive funds for the deposit from the customer. The platform can credit the customer's financial account for the deposit amount by diverting payment card funds, received by the merchant for the sale of goods and processed by the platform, to the customer's financial account. When the banking-type transaction is a withdrawal, the platform can debit the customer's financial account and credit the debited funds to the merchant's financial account.

Abstract: A method includes receiving a request for a list of nearby user devices, where the list of nearby user devices will be sent to a merchant device, where the merchant device is associated with a merchant, where the merchant operates a plurality of merchant devices, and where the merchant device is included in the plurality of merchant devices; receiving a respective location for one or more user devices, where each user device is associated with the merchant; determining, for each of the one or more user devices, whether the user device is nearby the merchant device, based on the respective location, to the merchant device than the other merchant devices in the plurality of merchant devices; generating the list of nearby user devices based at least on the determination; and sending the list of nearby user devices to the merchant device.

Abstract: A system and method are provided for remotely activating electromechanically controlled fuel dispensers. Each fuel dispenser is associated in a database with a unique identification code, and a first code is associated with an electronic payment system pre-identified by a fuel purchasing customer for automatic payment processing during fuel purchase transactions. In response to a wirelessly received identification code, the fuel dispenser associated in the database with the identification code that matches the wirelessly received identification code is identified, the identified fuel dispenser is activated to an active state in which the identified fuel dispenser is enabled to dispense fuel if the first code in the database matches a wirelessly received second code, and payment for the purchase of fuel dispensed from the identified fuel dispenser is automatically processed following activation thereof using the pre-identified electronic payment system associated with the first code in the database.

Abstract: Display devices are provided. The first display device includes a plurality of pixels arranged with an interval therebetween; and an antenna radiator configured with one or more conductors that are arranged between the plurality of pixels. The second display device includes a substrate; a plurality of light emitting parts arranged on the substrate with an interval therebetween; and an antenna radiator configured with one or more conductors that are arranged between the substrate and the light emitting parts.

Abstract: A user communicates, such as through text, a phrase or word to quickly place and pay for an order. The phrase corresponds to details of the order and one phrase can contain orders with multiple merchants. Once the phrase is communicated, a service provider or merchant determines the order from the phrase and processes the order, which may include transmitting order details to the merchant(s) and processing the payment(s) to the merchant(s) on behalf of the user.

Abstract: Embodiments of the invention are directed to systems and methods for stand-in processing using data driven capabilities. Transaction activity of an issuer may be monitored to detect a major incident and to automatically invoke stand-in processing. By modeling each individual account holder's behavior, improved authorization outcomes may be provided by a payment processing network during stand-in processing.

Abstract: A system that allows for conducting merchant transactions independent of a POS system. The system employs both a merchant venue-specific website and a mobile app. A customer at the merchant venue logs into the website with his or her mobile phone, and the mobile app is automatically notified of the login. The venue keeps track of the customer's total bill amount in any way, and enters it into the mobile app, which in turn updates the website with the total amount owed. The customer can then pay his or her bill through the website, via his/her phone. In this manner, a quick and easy payment system is implemented, allowing users to pay with the card or payment method of their choice, without need for a POS system and without need for downloading or installing any additional software on their mobile device.

Abstract: Systems and methods provide software-based contactless payments. According to various embodiments, a system for software-based contactless payment includes a token manager that generates a token and provides the token to a mobile device of a customer for use with a transaction, a communication interface that receives the token in association with a transaction, and a processor that processes the token using to determine whether to authorize the transaction.

Abstract: A system for tracking an authenticated item is provided. The system includes an authentication device affixed to the item. An item registration system receives authentication device data from the authentication device and associated item data and stores the authentication device data and the associated item data. An owner registration system receives owner registration data after a buyer has acquired the item. A buyer verification system receives the authentication device data, the associated item data and the owner registration data and stores buyer verified data if the associated item data correlates to the owner registration data, such as if the external tag number or event data entered by the owner matches external tag number or event data for the item.

Abstract: A method and system to transfer payment to a seller of a network-based commerce transaction are described herein. The method includes performing a risk evaluation based on retrieved seller-specific data, and releasing funds from a holding account to the seller based on the risk evaluation.

Abstract: An electronic payment terminal has a magnetic stripe payment card reader including a card passage reinforced in its lower part by a metal rail and a radio module integrated with at least one printed circuit board of the electronic payment terminal. The electronic payment terminal has a coupling device connected to the radio module via a metal part assembled with a plastic part. The coupling device is adapted to forming, with the metal rail, an antenna associated with the radio module.

Abstract: An illustrative embodiment disclosed herein is an EMV certification system including a credit card simulator configured to program a probe with credit card data, a point of sale simulator configured to send transaction data to a payment terminal, a robotic arm configured to perform an action on the payment terminal, and a robot controller communicatively coupled to the robotic arm. The robot controller is configured to instruct the robotic arm to perform the action. The EMV certification system further includes a test coordinator communicatively coupled to the credit card simulator, the point of sale simulator, and the robot controller. The test coordinator is configured to request the robot controller instruct the robotic arm based on reading a response from the payment terminal.

Abstract: A client device accesses content and performs actions at a remote application server via a user-agent application. The application server directs the user-agent application to a security verification system to retrieve and perform security tests. The security verification system receives information from the user-agent application describing characteristics of the user-agent application, and the security verification system selects a set of security tests to be performed by a security module executing in the user-agent application to verify that the user-agent application is accessing the application server consistent with the described user-agent application. The security verification system compares a set of test results with other user-agent applications and provides a token to the user-agent application to access the application server. The security module may also monitor and actions on the user-agent application to permit the security verification system to revise or revoke the token.

Abstract: Provided is a secure payment device. The secure payment device includes: a payment terminal on which a pin-pad including a keypad module is mounted and which is capable of communicating with a mobile terminal via a short-range communication; a mobile terminal accommodation unit coupled to one surface of the payment terminal to detachably couple the mobile terminal to the payment terminal; and a mounting unit screw-fastened to one surface of the payment terminal and including at least one fixing protrusion configured to slide into and be fixed at a fixing groove formed on one side surface of the mobile terminal accommodation unit, wherein the payment terminal includes at least one flexible protrusion configured to slide into and be fixed at a fixing groove formed on the other side surface of the mobile terminal accommodation unit.

Abstract: A central monitoring station is linked to a plurality of remote terminals, such as payment terminals at a plurality of parking facilities. A two-way communication system enables communication between a customer who is remote from the central monitoring station and an attendant at the central monitoring station. The communication system may also allow the attendant to manipulate each remote terminal to collect data or troubleshoot or override the function of the terminal.

Abstract: There are provided systems and methods for application data displayed through a selectable application icon. A computing device, such as a mobile smart phone, may include one or more processing application, such as a payment application to utilize an online payment provider. The application may include a desktop or folder icon, or other visual icon that may be presented within an interface of the device's operating system. Additionally, the application may include application data normally presented to the user of the device during operation of the application. The application or the device's operating system may select an informational element of the application information to present to the user. The informational element may then be presented on the application icon while the application is unopened or executing in the background of the operating system. Multiple informational elements may be cycled through on the application icon.

Abstract: A mobile commerce system including a multiplicity of Mobile Device-Point of Sale Communication (MPC)-equipped mobile devices, a plurality of MPC-enabled Point-of-Sale (POS) devices, at least one POS configuration server for configuring the plurality of MPC-enabled POS devices, at least one MPC-equipped mobile device configuration server for configuring the plurality of MPC-equipped mobile devices and at least one mobile marketing platform server operative to introduce Transaction Value Certificate (TVC)-related functions and to communicate both with the at least one POS configuration server and the at least one MPC-equipped mobile device configuration server to coordinate operation thereof so that the MPC-enabled POS devices will be “tap-ready” for carrying out the TVC-related functions.

Abstract: Techniques and arrangements for improving card on file transactions are described. For instance, a payment service may receive, from one or more merchant devices, transaction information associated with at least one transaction between a merchant and a customer, where the transaction information includes at least payment information of a payment instrument used during respective transactions. The payment service may then analyze the transaction information to compute a value associated with a transaction characteristic as indicated by the transaction information, determine that the value exceeds a threshold value, and, based on determining that the value exceeds the threshold value, send the customer a message requesting that the customer store the payment information with the merchant. The value associated with the transaction characteristic can include a total number of transactions, a total cost of transactions, or a frequency associated with the transactions between the merchant and the customer.

Abstract: A computing apparatus includes: a transaction handler configured to process transactions in a payment processing network; a data warehouse configured to store transaction data recording the transactions processed at the transaction handler; a profile generator configured to generate, based on the transaction data, a profile including business activity data configured to identify a time period of active business, and a portal configured to communicate with a search engine to enhance search results using the business activity data.

Abstract: Power is conserved in a mobile device having a lock screen wallpaper by: (1) identifying the mobile device is at a business location, (2) identifying a scanning code to be displayed over a portion of the lock screen wallpaper of the mobile device, the scanning code encoding payment information for conducting a transaction at the business location, (3) activating a display of the mobile device and displaying the scanning code over the portion of the lock screen wallpaper on the activated display of the mobile device which remains in the screen locked state, and (4) conserving power in the mobile device by providing the scanning code over the portion of the lock screen wallpaper of the mobile device, without having to unlock the mobile device.

Abstract: 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.

Abstract: A computer-implemented method for topping up a mobile device account associated with a mobile device includes causing a wireless communication link to be established with the mobile device, receiving, via the wireless communication link, information indicative of identification of the mobile device, receiving information indicative of a desired payment associated with the mobile device account, and causing the desired payment to be applied to the mobile device account, at least in part by sending the information indicative of identification of the mobile device and the information indicative of the desired payment to one or more remote servers.

Abstract: The present invention provides a method for conducting a transaction that includes receiving a pseudo account identifier that corresponds to a primary account identifier. The pseudo account identifier may be received at a portable wireless device and may be generated by a remote server computer. The portable wireless device can receive the pseudo account identifier over a first network and provide the pseudo account identifier to an access device. The access devices generally comprises a reader that can receive the pseudo account identifier, and thereafter send a message to request authorization of a transaction. The authorization request message may include the pseudo account identifier and is sent to a payment processing network. The authorization request message is sent to the payment processing network over a second network. The payment processing network may then process the authorization message and return a response that indicates if the transaction is authorized or not.

Abstract: A call processing system and method for providing a secondary information channel to a caller. Upon reception of a call from a caller to a customer service representative on a primary access channel determine a device (secondary device) associated with the caller that is separate from the device the caller is using for the primary access channel. The secondary device is to be used to provide a secondary information access channel. The secondary information access channel is complimentary to the primary access channel between the caller and the customer service representative and is utilized to deliver information content to the caller and/or provide other services supportive of the conversation with the company service representative.

Abstract: Systems and methods are provided for secure transactions according to one or more embodiments. According to an embodiment, a method for providing secure transactions comprises initiating a transaction via a point of sale device having a one time password generator. The method also comprises generating at least one password by the point of sale device. The method further comprises associating the at least one password with account information. The method further comprises transmitting the password associated with the account information to a remote location. If the transmitted password matches predetermined associated information at the remote location, the method further comprises confirming the transaction.

Abstract: 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.

Abstract: A refrigerated counter system includes a refrigerated counter, 3D filming means arranged in such manner to take 3D images of the products contained in the refrigerated counter and of an area in front of the refrigerated counter, a PC connected to the 3D filming means to process statistic data according to the 3D images taken by the 3D filming means, and a CPU connected to the PC to control the operating parts of the refrigerated counter according to the statistic data processed by the PC.

Abstract: The subject matter of the disclosure is embodied in a method that includes receiving input speech data from a speaker in a first language, and estimating, based on a universal speech model, a speaker transform representing speaker characteristics associated with the input speech data. The method also includes accessing a speaker-independent speech model for generating speech data in a second language that is different from the first language. The method further includes modifying the speaker-independent speech model using the speaker transform to obtain a speaker-specific speech model, and generating speech data in the second language using the speaker-specific speech model.

Abstract: Introduced here is a technology that enables fraud detection and protection in financial transactions using a communication signal identification mechanism. The technology eliminates the uncertainties as to the authenticity of a payment card and/or a customer involved in a financial transaction, such as a payment transaction. In at least some embodiments, methods and systems are disclosed for facilitating establishment of a card presence through communication with a payment card being used in a transaction instantiated on a merchant's POS device. The payment card can be in the form of a smartcard with embedded BLE or any other smart chip (e.g., GPS, Wi-Fi, 4G, LTE, etc.) capable of transmitting a communication signal that contains identifying information, which can be used to establish the card presence.

Abstract: 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.

Abstract: A computer provides a search interface that accesses multiple search providers, and aggregates their suggestions, providing a single, unified suggestion view across the multiple search providers. Suggestions are received from the multiple sources, such as a search engine on the internet or other public resource, and a search tool on the computer that accesses local or private resources. The suggestions are combined, ranked and displayed as a list to the user, from which the user is able to select.