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.

Abstract: An automated storage and retrieval system for customers and vendors/service providers to pick up and drop off packages such as parcels, dry-cleaning/laundry, and the like. The present invention may provide a convenient point for users to pick up or drop off items. In varying embodiments, the system may be particularly useful in multi-unit residential buildings, retail stores and other store-fronts, as stand-alone kiosks in popular locations such as department stores, train stations, malls, street corners, and the like.

Abstract: An appointment and payment handling system may operate to handle payments for appointments based on user locations at times associated with appointments. The appointment and payment handling system may determine if a location of a customer device associated with a customer associated with an appointment matches a location associated with the appointment. If the locations match, the appointment and payment handling system may create a payment record for a payment to the merchant from the customer based on the determination that the customer location matches the location associated with the appointment.

Abstract: The present invention extends to methods, systems, and computer program products for transferring digital receipt data to mobile devices. A point-of-sale (“POS”) system generates digital receipt data as part of a sales transaction. The point-of-sale (“POS”) system and a mobile device, possibly also along with a receipt data server, interoperate with one another to transfer digital receipt data generated to the mobile device. In some embodiments, the point-of-sale (“POS”) system transfers digital receipt data for a sales transaction to the receipt data server. An identifier, such as, for example, an application identifier or transaction identifier, is stored along with the digital receipt data to match the digital receipt data with the mobile device. The mobile device subsequently uses the identifier to access the digital receipt data from the receipt data server. In other embodiments, the point-of-sale (“POS”) system transfers digital receipt data directly to the mobile device.

Abstract: An electronic device includes a display module, an NFC (Near-field Communication) module, a verification module and a control module. The display module is disposed on a first surface of the electronic device. The NFC module includes an antenna unit. The antenna unit is configured to transmit and receive a wireless signal from an outward direction of the first surface. The verification module is disposed on a second surface of the electronic device. The verification module is configured to generate an identification input data according to an operation of a user. The control module is configured to drive the verification module to generate the identification input data when the NFC module receives an identification requirement data, and configured to determine whether the identification input data is valid.

Abstract: Systems and methods are disclosed herein for processing data in connection with insurance information submissions. The system may be configured to receive entity data relating to an entity for which insurance coverage is sought, and query an interface of a third-party platform based on the entity data. The system may then be configured to receive third-party platform interface data from the third-party platform, analyze the data to determine a web site address for a web page on the third-party platform relating to the entity, and retrieve third-party platform web site data from the web page on the third-party platform indicative of content related to the entity. The system may be configured to pre-fill insurance forms relating to the entity based on the third-party platform data.

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: Systems and methods for facilitating risk assessment for point of sale transactions utilizing at least one risk triggering value (RTV) is disclosed. An RTV is a condensed version of a set of complex risk data and strategies usually found in central processing sites. After receiving a request for payment authorization, a risk value is calculated for the request. The distributed processing site compares the risk value to the RTV to determine whether to authorize payment. If the risk value is less than or equal to the RTV, the payment is authorized while a risk value greater than the RTV will not be authorized. The central site calculates a new RTV for the account and distributes the new RTV to the distributed processing site.

Abstract: Systems, device and techniques are disclosed for receiving content based on a subscription to channel by a user. An indication of a user subscription, by a user, may be received. The subscription may be for a channel associated with a channel manager for the channel. An indication of a content to be provided via the channel may be received from the channel manager for the channel. A determination may be made that the content value associated with the content is below an available user subscription value. The content may be automatically provided to the user, based on the determination and the content value may be deducted from the available subscription value.

Abstract: Provided is a method for issuing single-use and multiple-use virtual payment cards via a mobile and wearable device. The method may include receiving a card issuance request from a user, prompting the user to enter a user authentication information, accessing a user account maintained by a card issuer, generating the virtual payment card based on payment data of the user account, and providing the virtual payment card to the mobile and wearable device. The method may continue with receiving a transaction request from a merchant and matching merchant identification data provided by the user in the card issuance request and merchant identification data provide by the merchant. If the match of the merchant identification data is determined, the method may continue with authorizing a payment transaction by transferring a payment amount from the virtual payment card to a merchant account associated with the merchant.

Abstract: A method, system and computer product for discount coupon acquisition, management and redemption. In one embodiment, the method comprises scanning a coupon with a portable computing device without establishing a data connection to the portable computing device. The method further comprises decoding a scanned image of the coupon for storage in the portable computing device, and generating information of the coupon by the portable computing device for redeeming the coupon.

Abstract: Existing infrastructure for processing credit card transactions at point-of-sale (POS) devices is leveraged to provide secure and convenient payment with a mobile device. A mobile transaction infrastructure that is integrated with the credit card interchange network receives information from the mobile device and passes this information to a gateway provider or a payment processor. By combining information from both the mobile device and the POS device, this backend infrastructure can uniquely identify a transaction and appropriately charge an account associated with the user of the mobile device. The transaction may be matched with the mobile device be based on location, time, transaction charge, and/or other factors.

Abstract: A point of sale (POS) interface solution is provided to interface a POS system or POS terminal to an automated bar tending system, allowing a drink order to be entered into the automated bar tending system other than by a user interface on the automated bar tending system. The POS interface provides a drink order signal to a printer for printing a drink order on a ticket for processing a drink order and/or on a bill to present to the customer. The POS interface also provides a drink order signal to the automated bar tending system for displaying the drink order on the user interface.

Abstract: A system includes a household appliance and a reception unit. The household appliance is configured to sense a property of a consumable that is used during the operation of the household appliance and to transmit data relating to the sensed property to the reception unit. The reception unit is configured to provide a piece of information on the basis of the data received from the household appliance. The reception unit has a position finding device that determines a physical position for the reception unit and provides the piece of information on the basis of the determined position.

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for providing e-receipts to customers. Embodiments receive authorization from a customer for the customer to be enrolled in a point of transaction e-receipt communication program; receive transaction data corresponding to at least one transaction performed by the customer at a point of transaction of a merchant; and initiate communication, to the customer, of an e-receipt based at least in part on the received transaction data. Some embodiments receive authorization from a plurality of enrolling merchants for enrollment in the point of transaction e-receipt communication program; and build a cooperating merchant list comprising information corresponding to a plurality of cooperating merchants cooperating with a financial institution implementing the point of transaction e-receipt communication program.

Abstract: The email suggestor system and method provide an efficient and effective way to capture a user identifier, such as an email address of a consumer in a retail environment. The email suggestor system generates one or more suggested first text portions based on input data, outputs at least one of the suggested first text portions, and receives a selection of a first text portion. The email suggestor system generates one or more suggested second text portions of a user identifier based on the input data, outputs at least one of the suggested second text portions, and receives a selection of a second text portion. The email suggestor system generates a user identifier including the selected first text portion and the selected second text portion. The email suggestor system uses received feedback response to refine and/or train one or more models with which it generates the suggested text portions.

Abstract: Devices, systems, and methods for tokenizing sensitive information are provided herein. Methods may include the steps of receiving sensitive information via an input device, the input device being communicatively coupled to a transaction terminal, tokenizing the sensitive information at the input device to generate a token, and associating the token and the sensitive information together in a storage medium associated with the input device.

Abstract: System, method, and computer program product are provided for using real-time video analysis, such as augmented reality to provide the user of a mobile device with real-time budgeting and wish lists. Through the use of real-time vision object recognition objects, logos, artwork, products, locations, and other features that can be recognized in the real-time video stream can be matched to data associated with such to provide the user with real-time budget impact and wish list updates based on the products and budget data determined as being the object. In this way, the objects, which may be products and/or budget data in the real-time video stream, may be included into a user's budget and/or wish list, such that the user receives real-time budget and/or wish list updates incorporating product and/or budget data located in a real-time video stream.

Abstract: System, method, and computer program product are provided for using real-time video analysis, such as augmented reality to provide the user of a mobile device with real-time budgeting and wish lists. Through the use of real-time vision object recognition objects, logos, artwork, products, locations, and other features that can be recognized in the real-time video stream can be matched to data associated with such to provide the user with real-time budget impact and wish list updates based on the products and budget data determined as being the object. In this way, the objects, which may be products and/or budget data in the real-time video stream, may be included into a user's budget and/or wish list, such that the user receives real-time budget and/or wish list updates incorporating product and/or budget data located in a real-time video stream.

Abstract: A system for decentralized ordering of goods and/or services such as food and/or drinks at a venue such as a hotel or restaurant is disclosed. The venue uploads a venue menu to an internet site via the venue's data device or computer. An order application is downloaded by prospective customers from the internet site to the mobile data device of each customer. In addition, the venue allocates a customer identification code to each customer which is stored in the customer's mobile data device. Therefore the customer can use his mobile data device to access the venue's menu and order items from the menu. Preferably the customer notifies his location within the venue and the order is delivered to the customer's location.

Abstract: A method of presentation in a network for the display of virtual content by a server computer comprising steps of hosting content hosts or websites on the network, wherein each content host is flexibly configured to enable another content host to be virtually incorporated into any other content host while preserving the composition of the content and the behavior of display of the content that is virtually displayed.

Abstract: A text-to-bill processing transaction system is described. A consumer transmits a text message having a merchant keyword component and a transaction details component. The merchant keyword component is used to find a select merchant server from a merchant server data store. The transaction details component is then routed to the select merchant server. The select merchant server then returns a charge amount corresponding to the transaction details component and a fulfillment message. A billing gateway then causes entry of the charge amount against a phone number in an accounts database of a carrier server. A success message transmission module transmits a text message back to the consumer that includes the fulfillment message. The fulfillment message may for example be a code that has to be entered by a consumer.

Abstract: An example technique is provided for authenticating a first communication session. The technique includes receiving an indication that a first network device has established a first communication session with a user-side device. A second network device authenticates the first communication session by establishing a second communication session via session initiation protocol (SIP) or voice over Internet protocol (VoIP) communication with the user-side device before the user-side device directs a user password to the first network device in the first communication session. Also, private identification information of the user is retrieved from a database and sent to the user-side device in the second communication session. The user-side device compares the private identification information received in the second communication session to locally stored private identification information to determine whether the received private identification information matches.

Abstract: A system, apparatus, and method for reducing fraud in electronic payment transactions. The apparatus includes a processor that executes instructions to implement a process to identify consumer or merchant devices that have been used in fraudulent transactions and prevent the authorization of future transactions that are initiated using those devices. By collecting device data as part of authorization messages and processing that data, devices that are used in fraudulent transactions with different merchants or involving different accounts may be identified and prevented from being the source of future transactions. This prevents future losses and reinforces the integrity of the transaction system.

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.

Abstract: A financial transaction is facilitated without unlocking a mobile device, where the lock screen wallpaper of a mobile device is dynamically set to an image having a scanning code (e.g., a QR code, a barcode, etc.) for use at a business location that the user is currently located.

Abstract: System, method, and computer program product are provided for using real-time video analysis, such as augmented reality to provide the user of a mobile device with real-time budgeting and wish lists. Through the use of real-time vision object recognition objects, logos, artwork, products, locations, and other features that can be recognized in the real-time video stream can be matched to data associated with such to provide the user with real-time budget impact and wish list updates based on the products and budget data determined as being the object. In this way, the objects, which may be products and/or budget data in the real-time video stream, may be included into a user's budget and/or wish list, such that the user receives real-time budget and/or wish list updates incorporating product and/or budget data located in a real-time video stream.

Abstract: This invention discloses a novel system and method for providing retail point of sale terminals that are connected securely over the Internet to a back-office service that manages the retailer's data as a service using a system that supports more than one retailer, each of which will have one or more point of sale terminals.

Abstract: A network interface receives transaction information. A processor determines private information and public information from the received transaction information. The network interface communicates the private information to an obfuscation engine, and receives obfuscated private information. The processor then merges the obfuscated private information with the public information to create a temporary identifier, and then converts the temporary identifier into a transaction identifier. A printer then prints a portion of the public information and the transaction identifier on a transaction receipt.

Abstract: A device may obtain receipt data associated with a purchase of an item. The device may generate information for generating a virtual receipt based on the receipt data. The device may determine a user device associated with the receipt data. The device may send a text message, that includes the information for generating the virtual receipt, to the user device. The virtual receipt may be generated by the user device based on the information for generating the virtual receipt.

Abstract: A system and machine-implemented method for processing data associated with an application running on an electronic device. A server receives an HTTP header from the electronic device. The HTTP header is associated with an application running on the electronic device and specifies a content mode for the application. The content mode identifies a type of server content for a user of the application, and corresponds to at least one of plural modes including a child mode in which the type of server content is for a child user. The server receives a request for content from the electronic device, the request being associated with the application, and accesses content for the application based on the received request. The accessed content is provided for the application running on the electronic device. At least one of the accessing or the providing is based on the identified type of server content.

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: Systems and methods for managing concurrent secure elements on a mobile device to coordinate with an application or “app” running on the mobile device and an appropriate communications protocol for conducting transactions using the mobile device include: informing, by the processor, the reader device of a preferred app and a communication protocol usable by the preferred app; receiving, by the processor, information about which apps and communication protocols are supported by a reader for processing a transaction; locating, by the processor, a secure element supporting an app and a communication protocol supported by the reader; channeling the communication protocol for the specific configuration of the app and the supporting secure element; activating the secure element that supports the app; and processing, with the activated secure element, using the supported app and communication channel, the transaction with the reader.

Abstract: Systems and methods are provided to facilitate donations via mobile communications. In one aspect, a system includes a data storage facility and an interchange having a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats and with the common format processor in a common format. For a payment to a merchant, the common format processor provides a user interface configured to present charity donation options in response to a phone number being specified in the user interface to identify a fund source. The common format processor uses one of the converters to communicate with a mobile phone at the phone number to confirm the payment to the merchant and a donation to a separate charity organization specified via the user interface.

Abstract: A method of remotely synchronizing pin-pad terminals involves a gateway receiving from an acquirer server an authorization code for a transaction authorized using one of a plurality of pin-pad terminals, and saving in a database particulars of the authorized transaction. Each terminal has a memory storing particulars of at least one authorized transaction authorized using the terminal, and a running total value of all transactions authorized using the pin-pad terminal. The gateway receives a request to close out all the saved transactions and receives from one of the terminals an authorization request message requesting authorization for an additional transaction. In response, the gateway closes in the database all the saved transactions authorized using the one terminal, and responds to the authorization request message by providing the one terminal with a remote synchronization command commanding the one terminal to clear the running total from the memory.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for processing information associated with a transaction that qualifies for a gift card. An exemplary apparatus is configured to: receive information associated with a transaction executed using a payment method associated with an account, the information including an alias associated with the account and an amount of the transaction; determine, based on accessing a database, whether the alias is associated with a gift card; in response to determining the alias is associated with the gift card, determine whether the transaction qualifies for the gift card; and in response to determining the transaction qualifies for the gift card, apply a balance of the gift card to the amount of the transaction.

Abstract: A method is disclosed. The method includes receiving transaction data in an authorization request message from an access device, where the transaction data is associated with a merchant and a transaction location. The method also includes analyzing the transaction data to determine if a location database comprises location data corresponding to the merchant associated with the transaction data, and adding the transaction location and information regarding the access device to the location database.

Abstract: An approach is provided for a more efficient and user friendly mechanism for sharing content among users. The approach includes determining a first request from a first device for sharing at least one content item; causing, at least in part, a generation of a graphical code representing, at least in part, the at least one content item, wherein the graphical code is unique to the first request; causing, at least in part, a presentation of the graphical code at the first device; and causing, at least in part, a transfer of the at least one content item from the first device to a second device based, at least in part, on a scanning of the graphical code by the second device.

Abstract: A system and method for distribution of product price and/or sales data in a retail establishment. Product price and/or sales data is stored locally, either in a central computer or master electronic cash register (ECR) or remotely at a master computer. The product price data is stored in the form of a price look-up (PLU) table. The price data can be pushed from the master ECR, local or master computers to and ECR emulation hub to an ECR emulation hub. Similarly, the ECR emulation hub can request product price data from the master ECR, local or master computers. Once the product price data arrives at the ECR emulation hub, it can be processed and sent to a display, which will be located near the appropriate product. The ECR emulation hub can also record and/or transmit prices actually charged for products over time to allow for automatic auditing of promotional pricing offers such as those made by manufacturers of the product.

Abstract: Disclosed are method and apparatus that enable a cardless payment transaction to be executed from a merchant point-of-sale (POS) system. A user is enabled to check in at a merchant by using a mobile device of the user and then to pay by simply appearing at the merchant and mentioning his name. By emulating card read events and intercepting receipt printer outputs, the technique cleanly integrates into a conventional merchant POS system, without the need for customized software or hardware to accommodate individual POS vendor-proprietary application programming interfaces (APIs).

Abstract: Aspects of the invention are directed to a two phase payment link and authorization method and system for mobile devices. A method for payment and authorization according to an embodiment includes: requesting and receiving, at a mobile device, a transaction identifier from a payment service; displaying the transaction identifier on a display of the mobile device, wherein the transaction identifier is in a machine readable format; scanning the transaction identifier at a point of sale system; sending the transaction identifier and transaction information associated with items to be purchased from the point of sale system to the payment service; creating, at the payment service, a logical link between the mobile device and the point of sale system, based on the transaction identifier; and sending the transaction information from the payment system to the mobile device.

Abstract: A wireless network authorization system receives an authorization request for a wireless communication device transmitted from a visited wireless network. A processing system selects one of a simple internet connection and an encrypted internet connection for the wireless communication device in response to the authorization request. The communication interface transfers an authorization response for delivery to the visited wireless network indicating the selected one of the simple internet connection and the encrypted internet connection.

Abstract: Provided is a method and system for collecting access point information in linkage with a mobile card payment system to measure a location of a user using an access point of a wireless local area network (WLAN) service. The method may include (a) receiving payment information relating to a mobile communication terminal from a card company server, (b) transmitting an access point information collecting control signal to the mobile communication terminal based on the payment information, (c) receiving access point information collected by the mobile communication terminal in response to the control signal, and (d) storing the received access point information in a storage means.

Abstract: Devices, systems and methods are disclosed which relate to securing payments from a mobile communications device. In exemplary embodiments, a mobile communications device communicates with a payment server via a point-of-sale device to conduct a transaction. The mobile communications device uses a client payment logic to send payment information to the point-of-sale device. The point-of-sale device uses a vendor payment logic to forward the payment information to the payment server. The payment server verifies the payment information and sends confirmation to the point-of-sale device.

Abstract: Systems, methods, and devices for providing and managing electronic event tickets are provided. For example, a device for managing an electronic event ticket may include a processor configured to run an electronic ticket management application, a memory device configured to store data associated with the electronic ticket management application, an electronic display configured to display at least a portion of the data associated with the electronic ticket management application, and an input/output interface configured to receive an electronic ticket and the data associated with the electronic ticket for management by the electronic ticket management application. The electronic ticket management application may be configured to enable the electronic device to gain entry to an event and to obtain at least one other event-related benefit after the electronic ticket is received by the input/output interface.

Abstract: Disclosed are method and apparatus that enable a cardless payment transaction to be executed from a merchant point-of-sale (POS) system. A user is enabled to check in at a merchant by using a mobile device of the user and then to pay by simply appearing at the merchant and mentioning his name. By emulating card read events and intercepting receipt printer outputs, the technique cleanly integrates into a conventional merchant POS system, without the need for customized software or hardware to accommodate individual POS vendor-proprietary application programming interfaces (APIs).

Abstract: A method includes a point of sale (POS) terminal receiving transaction data indicative of a purchase transaction, and detecting, by a card interface associated with the POS terminal, the presence of an integrated circuit (IC) payment card. The process also includes the POS terminal receiving indications of a plurality of data objects stored in the IC payment card, selecting a payment application based at least in part on the transaction data and the indications of the plurality of data objects, retrieving an account number associated with the selected payment application, and then executing the selected payment application to handle the purchase transaction.

Abstract: The invention is generally directed to methods of conducting transactions using a dual function card that is transacted amongst a processor in communication with a point of sale: receiving a message including: an indicia of the card and identifiers of goods; identifying a closed loop account and amount, a schedule of eligible goods, and an open loop account and amount; determining eligible goods and a purchase amount; comparing the purchase amount to the amount in the closed loop account, and if the purchase amount is less than or equal to value in the closed loop account, authorizing the transaction. Upon a determination that the purchase amount is less than the amount in the closed loop account, determining if the value in the open loop account is greater than or equal to the deficit, and if so, deducting all value from the closed loop account and the deficit from the open loop account.

Abstract: Systems, methods, and computer program products are provided for automatic activation of mobile payment mechanisms (e.g., software applications, devices/hardware and the like) on a mobile communication device in response to automated determination of the mobile payment types accepted by a merchant at which the user/consumer is located. As such, the present invention serves to automatically make the user/consumer aware of an option for mobile payment. In addition, the mobile payment transaction is made more efficient, in that, the user/consumer does not have to manually configure and/or activate the software or hardware associated with the mobile payment type.

Abstract: Systems, methods, and devices for conducting sales transactions are provided. Embodiments include handheld, portable, electronic, point of purchase devices configured to acquire identification information from articles to be purchased, to determine a purchase price, and to acquire payment information for the purchase price. The point of purchase devices may include one or more input devices such as a near field communication device, a camera, a scanner, and a biometric sensor for acquiring the identification information and/or the payment information. In some embodiments, the near field communication device may be detachable from the point of purchase device. The point of purchase devices also may contain communication interfaces, such as a near field communication interface, a local area network interface, a short message service interface, and a personal area network interface, for transmitting the information to an external server.