Abstract: A system for handoff of a transaction for completion is provided, the system having a point-of-sale terminal and a server. The point-of-sale terminal is configured to employ a token with the server to perform the handoff of the transaction for completion on a guest device, where communications between the point-of-sale terminal and the server are transmitted and received through a gateway device that is collocated with the point-of-sale terminal. The server is configured to transmit details of the transaction for display on the guest device, and is configured to receive transaction completion data provided by the guest device, and is configured to notify the guest device and the point-of-sale terminal that the transaction is complete, where the server is not collocated with the point-of-sale terminal.

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 automated origination of capital client engagement is provided. The system includes a rate processor, a revenue forecaster, and an offer processor. The rate processor is configured to perform a binary logistic regression on subscriber data and metrics derived from historical POS data corresponding to subscribers of a point-of-sale (POS) subscription service to generate logistic regression coefficients that are used to calculate probability of default (PD) values for each of the subscribers, and configured to employ new subscriber data and metrics to generate updated PD values for the each of the subscribers.

Abstract: A system for automated origination of capital includes a rate processor, a revenue forecaster, and an offer processor. The rate processor is configured to generate prices for capital product offers to subscribers of a point-of-sale (POS) subscription service, where the prices are generated by employing probability of default (PD) values that are derived from historical POS data corresponding to each of the subscribers, and where each historical POS datum comprises an indicator denoting a season of the year in which the datum was generated. The revenue forecaster employs the historical POS data to predict future POS data for establishments corresponding to the each of the subscribers and employs the future POS data to generate predicted total revenues corresponding to the each of the subscribers over a payback period.

Abstract: A 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 orders from 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 associates the terminals to one or more geofenced service areas as a function of received signal strength indication (RSSI) values.

Abstract: A POS terminal includes a state processor, an order processor, communications elements, and a connection monitor. The state processor queues state changes in one or more order queues that correspond to one or more orders in a restaurant. The order processor generates the state changes, and accesses and transmits the state changes to a backend server. The communications elements enable the mobile POS terminal to communicate over both a Wi-Fi network and a White-Fi network within the restaurant, and when operating in a Wi-Fi mode, the mobile POS terminal communicates only over the Wi-Fi network as a selected wireless network, and when operating in a White-Fi mode, the mobile POS terminal communicates only over the White-Fi network as the selected wireless network. The connection monitor determines that connectivity over the Wi-Fi network is degraded, and directs the communications elements to operate in the White-Fi mode.

Abstract: A dual band mobile POS terminal includes a state processor, an order processor, and communications elements. The state processor queues state changes in one or more order queues that correspond to one or more orders in a restaurant. The order processor is coupled to the state processor and generates the state changes, and accesses and transmits the state changes in each of the one or more order queues to a backend server. The communications elements enable the mobile POS terminal to communicate over both a Wi-Fi network and a White-Fi network within the restaurant, and when programmed in a Wi-Fi mode, the mobile POS terminal communicates only over the Wi-Fi network as a selected wireless network, and when programmed in a White-Fi mode, the mobile POS terminal communicates only over the White-Fi network as the selected wireless network.

Abstract: A 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 orders from 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 associates the terminals to one or more geofenced service areas as a function of ping latency (i.e., number of hops).

Abstract: A method for handing off a transaction for completion is provided, the method including: via a point-of-sale terminal, receiving a transaction token that corresponds to the transaction, the transaction token having been transmitted over the internet cloud through a gateway device that is collocated with the point-of-sale terminal, and presenting the transaction token for acceptance by a guest device; and receiving a notification that the transaction is complete, the notification having been transmitted over the internet cloud through the gateway device; where, upon acceptance of the transaction token by the guest device, the guest device launches a web browser that is employed to receive details of the transaction for display on the guest device and to enable entry and transmission of transaction completion details by a guest on the guest device, and to receive notice that the transaction is complete.

Abstract: A 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 orders from 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 associates the terminals to one or more geofenced service areas as a function of the terminals' corresponding GPS coordinates.

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 user-adaptive order processing terminal includes a display, a microphone, a configuration manager, and a motion sensor. The display displays electronic menu items in a first area for selection by a user, where the electronic menu items are accessed via selection of one or more sub-menu items. The microphone detects audio spoken by the user. The configuration manager captures the audio from the microphone, transmits the audio via first messages to a backend server, receives second messages from the backend server providing text that corresponds to the audio, accesses suggested menu items that correspond to the text, and modifies a second area of the display to present the suggested menu items for selection, where the suggested menu items would otherwise be presented in the first area through selection of the one or more sub-menu items.

Abstract: An ordering system includes mobile terminals and a backend server. Each terminal generates changes for one or more orders in a restaurant, and queues the changes in queues for the one or more orders, and transmits the changes, from oldest to youngest, when operably connected to a network. The mobile terminals may communicate over both a Wi-Fi network and a White-Fi network. When programmed in a Wi-Fi mode, the mobile terminals communicate only over the Wi-Fi network, and when programmed in a White-Fi mode, the mobile terminals communicate only over the White-Fi network. The backend server is coupled to the mobile terminals via the network, and receives the changes, and is transmits the changes to all of the mobile terminals. The backend server a band assignment map that indicates whether each of the mobile terminals is programmed to communicate within the restaurant in the Wi-Fi mode or the White-Fi mode.

Abstract: A system for dynamic origination of capital includes a rate processor, a revenue forecaster, and an offer processor. The rate processor is configured to generate a price for a capital product offer to a first subscriber of a point-of-sale (POS) subscription service, where the interest rate is generated by employing a probability of default (PD) value that is derived from historical POS data corresponding to all subscribers. The revenue forecaster is coupled to the rate processor and is configured to employ first historical POS data for an establishment corresponding to the first subscriber to predict future POS data using a neural network trained on the historical data corresponding to all subscribers, and to employ the future POS data to generate a predicted total revenue over a payback period for the first subscriber.