Abstract: A computer-implemented method for predicting interchange charges includes: retrieving a historical transactions set, where each completed transaction in the set includes transaction features, a bank identification number (BIN), and a corresponding true interchange code; transforming all BINs in the set into a corresponding plurality of BIN features that comprise probabilities; creating a first training set including all transaction features, all pluralities of BIN features, and all true interchange codes associated with the historical transactions set; training a random forest model using the first training set and generating a second training set including rounded BIN features, rounded transaction features, discrete ones of the transaction features, and the true interchange codes; training the random forest model using the second training set to generate a trained random forest model for prediction of the interchange codes; and executing the trained random forest model for new transactions to generate corres

Abstract: A computer-implemented method for predicting interchange charges includes: retrieving a historical transactions set, where each completed transaction in the set includes transaction features, a bank identification number (BIN), and a corresponding true interchange code; transforming all BINs in the set into a corresponding plurality of BIN features that comprise probabilities; creating a first training set including all transaction features, all pluralities of BIN features, and all true interchange codes associated with the historical transactions set; training a random forest model using the first training set and generating a second training set including rounded BIN features, rounded transaction features, discrete ones of the transaction features, and the true interchange codes; training the random forest model using the second training set to generate a trained random forest model for prediction of the interchange codes; and executing the trained random forest model for new transactions to generate corres

Abstract: A computer-implemented method for predicting interchange charges includes: retrieving a historical transactions set, where each completed transaction in the set includes transaction features, a bank identification number (BIN), and a corresponding true interchange code; transforming all BINs in the set into a corresponding plurality of BIN features that comprise probabilities; creating a first training set including all transaction features, all pluralities of BIN features, and all true interchange codes associated with the historical transactions set; training a random forest model using the first training set and generating a second training set including rounded BIN features, rounded transaction features, discrete ones of the transaction features, and the true interchange codes; training the random forest model using the second training set to generate a trained random forest model for prediction of the interchange codes; and executing the trained random forest model for new transactions to generate corres

Abstract: An apparatus for dynamic credit card reader mode management is provided, the apparatus including: a point-of sale (POS) terminal, configured to accept employee login credentials via a magnetic stripe card, to display menu items for selection, to add selected menu items to an order, and to accept payment for the order, where the payment may be obtained via swipe, dip, or tap, the POS terminal including: a first card reader, configured to read first provided cards when enabled; a second card reader, configured to read second provided cards when enabled; and a dual reader controller, coupled to the first and second card readers, configured to determine one or more workflow states of the POS terminal, and configured to dynamically control modes of the first and second card readers according to the one or more workflow states.

Abstract: A method for dynamic adaptation of card reader protocol includes: providing a point-of sale (POS) terminal, that accepts login credentials via a magnetic stripe card, displays menu items for selection, adds selected menu items to an order, and accepts payment for the order, where the payment may be obtained via swipe, dip, or tap; via a card reader, reading provided cards when enabled; via a reader controller, determining one or more workflow states of the POS terminal, and controlling states and modes of the card reader; determining a type and capabilities of the card reader upon power up; and receiving instructions indicating the type and the capabilities, and communicating with the card reader according to the type and the capabilities responsive to a common set of commands employed by the POS terminal, and formatting data received from the card reader into a common data format.

Abstract: A system for credit card reader mode management includes: a point-of sale (POS) terminal, that accepts login credentials via a magnetic stripe card, displays menu items, adds selected menu items to an order, and accepts payment instruments for the order, the POS terminal including: a first card reader, that reads first cards when enabled; a second card reader, that reads second cards when enabled; and a dual reader controller, that determines one or more workflow states of the POS terminal, and controls modes of the first and second card readers; and a backend server, that receives messages transmitted by the POS terminal including payment information obtained by the POS terminal, and that employs the payment information to process one of more transactions with one or more financial institutions to complete the payment for the order, and that notifies the POS terminal that the payment for the order is complete.

Abstract: An apparatus for context-based credit card reader management is provided that includes a point-of sale (POS) terminal, configured to accept employee login credentials via a magnetic stripe card, to display menu items for selection, to add selected menu items to an order, and to accept payment for the order, where the payment may be obtained via swipe, dip, or tap. The POS terminal has a card reader and a reader controller. The card reader reads provided cards when fully powered and enabled. The reader controller is coupled to the card reader, and determines one or more workflow states of the POS terminal, and dynamically controls power states of the card reader according to the one or more workflow states.

Abstract: A POS terminal for fulfilling orders includes a state processor and an order processor. The state processor queues state changes in durable order queues that correspond to orders in a restaurant. The order processor, coupled to the state processor, generates the state changes and accesses and transmits the state changes in each of the durable order queues to a synchronization server, from oldest to youngest, when operably connected to a network, where the order processor includes current order state fields corresponding to all of the orders, and where the order processor utilizes domain specific rules disposed therein to resolve conflicts in the orders occurring from state change updates received from the synchronization server which result from other state changes to the one or more orders generated by one or more other POS terminals, where one or more of the orders are received from a third-party terminal that is not on-premise with the POS terminal.

Abstract: A server includes: a database that registers a payment instrument, associates the instrument with indirect tokens, and stores a payment token that associates the indirect tokens with the instrument in a record along with an identifier for a device; a communication circuit, that receives transaction details from a POS terminal, and receives the one of the indirect tokens from the POS terminal; and a code segment, that employs the payment token to access the identifier in the record, directs the communication circuit to send a push notification, and, upon execution of the proprietary application on the device, directs the communication circuit to transmit transaction details to the POS terminal and the device, receives transaction data from the device, completes the transaction, and directs the communication circuit to notify the POS terminal that the transaction is complete.

Abstract: A synchronization server for fulfilling orders under non-persistent network conditions includes a terminal update element, a queue processor, and a service area map. The terminal update element receives changes corresponding to one or more orders from one or more POS terminals. The queue processor queues the changes in terminal queues that correspond to the terminals, where the state changes are accessed by the terminal update element and transmitted to a first one of a subset of the terminals, from oldest to youngest, when the first one of the subset of the terminals is operably connected to the network, and where the state changes are maintained in terminal queues corresponding to other ones of the subset while the other ones of the subset remain operably disconnected from the network. The service area map is coupled to the queue processor and associates each of the terminals to one or more service areas, where the subset corresponds to one of the one or more service areas.

Abstract: A system for fulfilling orders under non-persistent network conditions includes: POS terminals that generate first changes corresponding to orders, queue the first changes in durable order queues that correspond to the orders, and transmit the first changes, from oldest to youngest; and a server that receives the first changes, transmits the first changes and second changes to the POS terminals, where the second changes correspond to one of the orders received by the server from a third-party that is running a third-party application, the server comprising: a queue processor that queues the changes in queues that correspond to the POS terminals, where the first and second changes are transmitted to a first one of the POS terminals when the first one of the POS terminals is operably connected to the network, and where the first and second changes are maintained in terminal queues for other POS while they are disconnected from the network.

Abstract: A method for increasing a transaction amount corresponding a patron of an establishment, the method including: receiving inputs comprising transaction data corresponding to a transaction, where a portion of the transaction data comprises personally identifiable information (PII), and extracting the PII from the portion of the transaction data, and employing the PII to generate PII transaction data and metadata corresponding to the transaction; analyzing the PII transaction data and the metadata to generate a single universal guest record (UGR) corresponding to the PII transaction data and the metadata, where the single UGR corresponds to the patron, the single UGR comprising UGR transaction metadata corresponding to the transaction and historical transactions associated with the patron; statistically analyzing the UGR metadata to generate a guest segmentation record that corresponds to the patron; and generating content for display on point-of-sale (POS) terminals associated with the establishment, where the

Abstract: A method for a contactless experience, comprising: via server, registering guest information, initiating the experience prior to arrival of a party of guests, wherein said initiating comprises communicating by the server with a smart device corresponding to each of the guests to pre-order items from a menu and specify initial coursing instructions, and adding the pre-order items to an electronic ticket; detecting arrival of the party and communicating arrival to the server; continuing said communicating to enable each of the guests to order additional items and to specify additional coursing instructions, adding the additional items to the electronic ticket, preparing the pre-order and additional items, transmitting notifications to a point-of-sale (POS) terminal of a server assigned to the guest to deliver prepared items to the guest in accordance with the initial and additional coursing instructions; and delivering the prepared items to the party.

Abstract: A method for a contactless experience, comprising: via server, registering guest information, initiating the experience prior to arrival of a guest, wherein said initiating comprises communicating by the server with a smart device corresponding to the guest to pre-order items from a menu and specify initial coursing instructions, and adding the pre-order items to an electronic ticket; detecting arrival of the guest and communicating arrival to the server; preparing the items, transmitting notifications to a point-of-sale (POS) terminal of a server assigned to the guest to deliver prepared items; delivering the prepared items to the guest; receiving a notification that the guest is ready to close out the electronic order ticket, transmitting a request for payment, receiving payment authorization, processing a transaction for payment, closing the electronic order ticket, and transmitting a notification to the smart device and the POS terminal that the electronic order ticket has been closed.

Abstract: A method for a contactless experience, comprising: via server, registering guest information, initiating the experience prior to arrival of a guest, wherein said initiating comprises communicating by the server with a smart device corresponding to the guest to pre-order items from a menu and specify initial coursing instructions, and adding the pre-order items to an electronic ticket; detecting arrival of the guest and communicating arrival to the server; preparing the items, transmitting notifications to a point-of-sale (POS) terminal of a server assigned to the guest to deliver prepared items; delivering the prepared items to the guest; receiving a notification that the guest is ready to close out the electronic order ticket, transmitting a request for payment, receiving payment authorization, processing a transaction for payment, closing the electronic order ticket, and transmitting a notification to the smart device and the POS terminal that the electronic order ticket has been closed.

Abstract: A method for a contactless experience, comprising: via server, registering guest information, initiating the experience prior to arrival of a guest, wherein said initiating comprises communicating by the server with a smart device corresponding to the guest to pre-order items from a menu and specify initial coursing instructions, and adding the pre-order items to an electronic ticket; detecting arrival of the guest and communicating arrival to the server; continuing said communicating to enable the guest to order additional items and to specify additional coursing instructions, adding the additional items to the electronic ticket, preparing the pre-order and additional items, transmitting notifications to a point-of-sale (POS) terminal of a server assigned to the guest to deliver prepared items to the guest in accordance with the initial and additional coursing instructions; and delivering the prepared items to the guest.

Abstract: A point-of-sale terminal for fulfilling orders under non-persistent network conditions is provided. The terminal includes a state processor and an order processor. The state processor queues state changes in durable order queues that correspond to orders in a restaurant. The order processor, coupled to the state processor, generates the state changes and accesses and transmits the state changes in each one of the durable order queues to a synchronization server, from oldest to youngest, when operably connected to a network, where the order processor includes current order state fields corresponding to the orders, and where the order processor utilizes domain specific rules disposed therein to resolve conflicts in the orders occurring from state change updates received from the synchronization server which result from other state changes to the orders generated by one or more other POS terminals.

Abstract: A POS terminal for fulfilling orders includes a state processor and an order processor. The state processor queues state changes in durable order queues that correspond to orders in a restaurant. The order processor, coupled to the state processor, generates the state changes and accesses and transmits the state changes in each of the durable order queues to a synchronization server, from oldest to youngest, when operably connected to a network, where the order processor includes current order state fields corresponding to all of the orders, and where the order processor utilizes domain specific rules disposed therein to resolve conflicts in the orders occurring from state change updates received from the synchronization server which result from other state changes to the one or more orders generated by one or more other POS terminals, where one or more of the orders are received from a third-party terminal that is not on-premise with the POS terminal.

Abstract: A modular mobile point-of-sale POS terminal is provided that includes a state processor, an order processor, a conventional wireless communications element, and a detachable television whitespace (TVWS)/payment processing module. The state processor queues state changes for orders in a restaurant. The order processor is coupled to the state processor and generates, accesses, and transmits to a backend server when operably connected to a network. The conventional wireless communications element enables the mobile POS terminal to communicate over a Wi-Fi network within the restaurant. The detachable television whitespace (TVWS)/payment processing module enables the mobile POS terminal to communicate over a White-Fi network within the restaurant.