Abstract: Techniques for funding an electronic purse (e-purse) are disclosed. According to one aspect of the invention, a mechanism is provided to enable a portable device to conduct transactions over an open network with a payment server without compromising security. In one embodiment, a device is loaded with an e-purse manager. The e-purse manager is configured to manage various transactions and functions as a mechanism to access an e-purse therein. The e-purse is funded by interactions among the e-purse manager, a payment server and a financial institution (its server) that maintains an account therefor.

Abstract: The invention relates to the sphere of information technologies, in particular, to electronic systems and monetary-fund circulation methods and can be used for solving problems of mutual settlements between participants of the electronic payment system in real-time mode. In doing so, the analogue of monetary funds in the invention presented are electronic bank bearer checks complying with bank regulations and the requirements of applicable legislation. The client application units are rendered as grouped into modules by categories corresponding to the user status determined by the unit of authorization of the client and server applications, with provision of the possibility of pre-setting a group of check circulation parameters for each category. The issue of checks is accompanied by the creation of legally-valid documents and reflection of transactions in the check register.

Abstract: Embodiments of the present technology relate to an all-in-one integrated transaction platform. An example integrated point of sale (PoS) device comprises a tablet processor, secure processor, and memory for storing executable instructions that comprise a business management system, a housing comprising a plurality of video display screens, wherein a merchant display screen is coupled to at least one customer display screen, a business management system receiving input from the plurality of video display screens, a payment reader, wherein the payment reader is capable of accepting at least magnetic swipe cards, EMV (Europay, MasterCard, and Visa) chip and pin cards, and NFC (near field communication) payment, a barcode scanner, a cash drawer, a printer, an ADA (American Disabilities Act) compliant secure keypad, a biometric verification unit, at least one camera, GPS (Global Positioning System), and wired and wireless communication technologies such as but not limited to Ethernet, Wi-Fi, Bluetooth, 3G/4G etc.