Abstract: Disclosed herein are systems and methods for facilitating transactions between a merchant-partner and an end-user. In one embodiment, a service provider: (a) stages a transaction between a merchant and a consumer; (b) creates a transaction-specific unique reference locator (URL) linked to a transaction-specific web page; and (c) sends the transaction-specific URL to the consumer's mobile device. Whereupon the consumer clicks on the transaction specific URL on their mobile device, the service provider displays a token ID on the transaction-specific web page. The token ID is linked to the staged transaction and is used to initiate data communication between a point-of-sale (POS) terminal and the service provider's processing unit. The service provider can then: receive confirmation that the consumer has presented the token ID and a payment to the POS terminal; display a transaction receipt on the transaction-specific web page; and/or notify the merchant that the consumer has provided the payment.

Abstract: Disclosed herein are systems and methods for facilitating transactions between a merchant-partner and an end-user. In one embodiment, a service provider: (a) stages a transaction between a merchant and a consumer; (b) creates a transaction-specific unique reference locator (URL) linked to a transaction-specific web page; and (c) sends the transaction-specific URL to the consumer's mobile device. Whereupon the consumer clicks on the transaction specific URL on their mobile device, the service provider displays a token ID on the transaction-specific web page. The token ID is linked to the staged transaction and is used to initiate data communication between a point-of-sale (POS) terminal and the service provider's processing unit. The service provider can then: receive confirmation that the consumer has presented the token ID and a payment to the POS terminal; display a transaction receipt on the transaction-specific web page; and/or notify the merchant that the consumer has provided the payment.

Abstract: A system, method and apparatus for payment processing using dynamic barcodes is provided. In an embodiment, a method is provided. The method includes receiving a request to stage an order, including information identifying a merchant. The method further includes determining current order information for the merchant. The method also includes producing a token identifier for the order. The token identifier includes an item code and a ticket identifier. The item code identifies or references an economic understanding for the order. Additionally, the method includes staging the order within a system to allow for completion of the order later in time. The order completes through notification of payment to a POS terminal by a consumer and fulfillment of the order by the merchant. The method further includes sending the token identifier to the merchant. The token identifier is to be provided to the consumer for use by the consumer in paying for the order at the POS terminal.

Abstract: Disclosed herein are methods and systems for facilitating payment from a branded stored-value account. In the disclosed systems and methods, a communications interface of a service provider system receives a confirmation that a stored-value account, branded for a first merchant, contains a value. The communications interface also receives a request to enable a payment using the value from the first-merchant-branded stored-value account at a second merchant. Then the communications interface transmits a request to the first-merchant-branded stored-value account for an amount from the first-merchant-branded stored-value account and receives the requested amount from the first-merchant-branded stored-value account. The communications interface and a processor of the service provider system then place the amount in a virtual account, and the communications interface initiates a display showing the amount in the virtual account as a branded stored-value account for the second merchant.

Abstract: Disclosed herein are systems and methods to facilitate fast and safe cash payments including systems and methods for generating an optimized payment location for a customer by: storing geolocation information for a plurality of points-of-service; receiving customer information including geolocation information for the customer of the bill provider from the bill provider; determining an optimized payment location for the customer by comparing the stored point-of-service geolocation information to the customer geolocation information; generating a token that is a reference to the customer information; and transmitting with the service provider system the optimized payment location and the token to the bill provider.

Abstract: A system and method is provided for payment processing with restricted receipt information. In an embodiment, a method is also provided. The method includes receiving a request for billing information from a POS (point-of-sale) terminal at a payment processor for a customer to pay a merchant at the POS terminal. The method further includes providing billing information to the POS terminal. The billing information includes a bill amount and an additional fee amount. The billing information further includes a predetermined code to be included on a receipt from the POS terminal. Matching of the predetermined code on the receipt of the customer and the token document provides proof of payment for the order. The method also includes receiving confirmation of payment from the POS. The method further includes sending payment information to the merchant about the customer payment.

Abstract: A system, method and apparatus for payment processing using dynamic barcodes is provided. In an embodiment, a method is provided. The method includes receiving a request to stage an order, including information identifying a merchant. The method further includes determining current order information for the merchant. The method also includes producing a token identifier for the order. The token identifier includes an item code and a ticket identifier. The item code identifies or references an economic understanding for the order. Additionally, the method includes staging the order within a system to allow for completion of the order later in time. The order completes through notification of payment to a POS terminal by a consumer and fulfillment of the order by the merchant. The method further includes sending the token identifier to the merchant. The token identifier is to be provided to the consumer for use by the consumer in paying for the order at the POS terminal.

Abstract: Disclosed herein are systems and methods for converting barcodes to facilitate fast and convenient payments. In one embodiment, the systems and methods are for imaging a first barcode having a first barcode format; determining a second barcode format used at a point-of-service; converting the first barcode to a second barcode in the second format; and generating an image of the second barcode.

Abstract: Disclosed herein are systems and methods to facilitate bill payment with a service provider system by: receiving a request from a payor to pay a bill; receiving destination information for a payee for the bill; generating a token associated with the bill and destination information; storing the token and the associated destination information; transmitting the token to the payor; receiving a confirmation that the payor presented the token with a payment at a retail location remote from the payee; generating a payment instrument for the bill based on the indication of payment; and transmitting the payment instrument to the payee at a location designated by the destination information.

Abstract: Disclosed herein are systems and methods to facilitate bill payments with a service provider system by: generating a unique token; providing the unique token to a user; receiving an indication from a retail location that the unique token was used on a first user device in conjunction with a payment associated with the unique token at a point-of-sale; marking the first user device as associated with the first unique token; providing active payment information to the first user device; receiving a request for payment information from a second user device; and providing inactive payment information to the second user device.

Abstract: Disclosed herein are systems and methods to facilitate bill payment with a service provider system by: storing geolocation information for a plurality of points-of-service; receiving geolocation information for a customer; determining one or more bills for the customer to pay based on the customer geolocation information; determining one or more payment locations by comparing the stored point-of-service geolocation information to the customer geolocation information, wherein the payment locations are the locations of one or more of the plurality of points-of-service stored in the service provider system; determining a subset of the payment locations at which the customer may pay the one or more bills; transmitting the subset of the payment locations to the customer; receiving a request from the customer to make a payment at one of the subset of the payment locations; and receiving a confirmation of the payment from the one of the subset of the payment locations.

Abstract: Provided in some embodiments is a method for conducting an honorary credit transaction.