Abstract: Technologies for enhancing payment transactions include an acquirer computing system. The acquirer computing system receives a payment authorization request message for a payment transaction associated with a purchase event and event-specific data corresponding to the purchase event. An offer identification query is transmitted to a promotion management computing system via an out-of-band communications channel. Offer redemption instructions corresponding to a matched offer are received from the promotion management computing system via the out-of-band communications channel. Based on the redemption value of the matched offer, a net transaction amount for the purchase event is determined. The payment authorization request message is modified based on the determined net transaction amount. The modified payment authorization request message is transmitted to an issuer computing system via an in-band communications channel.

Abstract: A terminal management device includes an acquisition unit, a detection unit, and a restriction unit. The acquisition unit acquires status information indicating the operating condition of the mobile terminal operated by a customer used for purchase processing of a commodity. The detection unit detects an error condition of the mobile terminal based on the status information acquired by the acquisition unit. The restriction unit restricts the purchase processing by the mobile terminal according to the number of error conditions of the mobile terminal detected by the detection unit.

Abstract: Methods and systems for facilitating delivery of goods from a retail location to a customer are disclosed. In one method, a request is received from a customer user which includes an order for goods to be delivered from a retail store. One or more delivery users within a predefined geographic area shared with a location of the customer user are identified. A delivery user agrees to pick up the customer's order and deliver the requested goods to the customer's home. Confirmation messages are automatically sent and received when the delivery user picks up the customer's order and again when the order is delivered to the customer. The delivery user can earn rewards or payments upon completion of successful delivery.

Abstract: Embodiments of the present methods and systems are directed to a system and method for managing and editing accounting periods. Particularly, the embodiments are directed to a financial management system that allows for the recordation of financial transactions without first requiring the creation of a user-defined accounting period, and that further allows for the creation, modification, and closure of defined accounting periods.

Abstract: A computer-implemented system and methods for electoral and legislative consensus building via a social network provide decision support to assist network users define their legislative priorities and set common legislative agendas. Users include individuals intending to vote (“voters”), lawmakers, electoral candidates, political parties, and others. Decision-assisting Artificial Intelligence, machine learning technology, a corpus of data in the domain of elections and legislation, and database of user stories, generate legislative priorities for user fact-checking, evaluating, debating, and voting to include in common agendas. The network connects voters within and across election districts and national boundaries to build consensus around legislative agendas with cross national scope. The network assists voters form online voting blocs, political parties, and electoral coalitions to elect lawmakers to enact their agendas, by attracting electoral support from voters across partisan lines.

Abstract: Introduced here is a technology that enables a merchant to create customer-targeted, customized communications by use of a merchant platform executing on a financial service system. The merchant platform generates content for communications that is based on a particular customer segment. The customer segment includes one or more groups of customers segmented based on one or more attributes associated with each group of customers. An attribute is determined based on data collected by the financial service system, where the data is related to transaction data of a plurality of merchants.

Abstract: A computer-implemented method for providing payment account information in a user account by receiving payment card information by a card reader at a point of sale. An account can be created when the payment card information is read by the card reader. Optionally, a gift card can be scanned prior to the creation of the account, and the gift card information can be combined with the payment card information. The gift card can be an electronic gift card which can be personalized with textual, visual, video, and/or audio portions.

Abstract: A method of dynamically controlling an inventory comprises receiving, by a server, use quantity information for a first item of a plurality of items, updating an inventory store based on the use quantity information, comparing, by the server, the quantity information with a threshold amount for the first item of the plurality of items, generating, by the server, an order message for the first item based on the comparing, and receiving an additional quantity of the first item in response to the generating of the order message. The use quantity information comprises an amount of the first item used at an establishment, and the inventory store comprises quantity information for the plurality of items available at an establishment.

Abstract: This disclosure relates generally to automated packing of objects, and, more particularly, to a method and system for packing products with increased efficiency across packaging levels. While conventional methods of improving packaging efficiency focus on only one of the multiple levels in the packaging process, most commonly the tertiary level, the present disclosure attempts increasing packaging efficiency across packaging levels. Embodiments of present disclosure achieves increased efficiency across packaging levels by identifying standard size of secondary packages for packing a plurality of primary packages, packing the secondary packages within tertiary packages using a Mixed Integer Linear Programming (MILP) optimization model based on packing heuristics, and providing a feedback between tertiary and secondary packaging levels to identify standard secondary packages which can pack the primary packages with higher packing efficiency.

Abstract: A systems and method facilitates obtaining accountant prepared financial statements associated with a client. A financial statement user initiates the process such as when a client has requested a loan and the financial statement user initiates an underwriting process. An identity of an accountant or client is received at a confirmation system from the financial statement user via the communications network. The identified accountant or client identifies the other party to the confirmation system via the communications network. Financial statements associated with the client are received from the identified accountant via the communications network. The received financial statements include financial information associated with the client. Permissions associated with the financial statements are received from the client via the communications network. The financial statements are provided via the communications network to the financial statement user in accordance with the permissions provided by the client.

Abstract: An item return transaction for an item is identified at a transaction terminal. The item is authenticated using multiple factors at least some of which are independent of item code identification for the item. A fraud score is calculated based on the multiple factors, item code identification, and data that is specific to a customer associated with the transaction, specific to the item, specific to a store associated with the transaction terminal, and specific to a retailer associated with the store. The fraud score and a customer-return grade for the customer are processed to determine whether the transaction can complete at the terminal without assistance or whether the transaction is to be held in abeyance for an audit (onsite audit or remote network-based audit). In an embodiment, the t terminal is a Self-Service Terminal (SST) and the transaction is a self-item return transaction conducted by a customer at the terminal.

Abstract: The present invention relates to a system and method for motorists which can be employed during law enforcement investigations. The method includes receiving an indication that a motorist is being investigated by law enforcement. The method further includes presenting options of available legal counsel to the motorist during the law enforcement investigation. Next, the method includes facilitating a selection of a legal counsel of the available legal counsel options to represent the motorist during the law enforcement investigation. Furthermore, the method includes creating a first channel of communication between law enforcement and the motorist's legal counsel.

Abstract: A system and method of tracking sales tax. The present invention separates and logs each sales tax for each purchase, which eliminates the need for keeping physical receipts on a yearly basis and having to tally sales tax when preparing tax returns.

Abstract: A system for automatically processing and storing financial data using financial codes, product identifiers, point-of-sale and non-point-of-sale locations and devices, transaction cards and a financial processing and data management software program capable of processing the financial data that is associated with the financial codes into a financial report for the user of the financial processing and data management system.

Abstract: A point of sale (POS) security system includes a POS device including a non-transitory memory, one or more hardware processors, and one or more environment sensors. A plurality of POS instructions are located on the non-transitory memory in the POS device and executable by the one or more hardware processors in the POS device to provide a POS engine that is configured to receive and transmit payment information for conducting a payment transaction associated with a purchase. A plurality of security instructions are located on the non-transitory memory in the POS device and are executable by the one or more hardware processors in the POS device to provide a security engine that is configured to receive environment signals from the one or more environment sensors in the POS device and analyze those environment signals to determine a security breach.

Abstract: Food and beverage gifts can be transmitted from a first mobile computing device to a second mobile computing device that run an application program. The mobile computing devices communicate with a server and data for the system users is stored on a database. When food or beverages are gifted, a unique token generated by the server and a gift message is transmitted to the second mobile computing device. The user can go to a food or beverage provider and redeem the gift credit by showing the user interface to a staff member of the food or beverage provider. The server can record the unique token for the food or beverage gift as being used and records the value of the food or beverage gift with the food or beverage provider. The server forwards payment for the value of the food or beverage gift to the food or beverage provider.

Abstract: Disclosed are systems and methods for identifying an available product for an unavailable product to minimize a deviation or distance from an original planned pick path. A computer can transmit instructions corresponding to a path through a location where products are stored to collect a plurality of products stored at locations along the path. In response to receiving a notification for a particular product that the particular product is not at the location where it is stored, the computer can modify the path to include a location of a substitute product for the particular product. The computer can identify a substitute product for the particular product based on a distance from a location of the one more available products to a location along the path and determine a revised path with the substitute product. The path can be revised to include the location for the available product.

Abstract: Systems and methods discussed herein relate to an Open Payment Network that allows a plurality of retailers to provide goods and services to users of applications including e-wallets and allows the users to pay for purchases using currency including digital currency earned as credits, points, or other rewards as well as traditional bank-backed currency in the form of cash, credit, or debit. In addition, a user who has registered for the system through a profile or using an individual application or applications can query the system and obtain a quote to determine how much value currency from a variety of sources (e.g., applications) has towards the purchase of a particular good or service at a real or virtual retail location.

Abstract: Various examples are directed to systems and methods for providing location-specific financial information to a user. A geographic data system may receive a social media data feed and an e-mail feed. The geographic data system may extract theme data from at least one of the social media feed data or the e-mail data and select a first user expense category based at least in part on the theme data. The geographic data system may receive from an application executing at a user computing device location data indicating a first geographic location and generate a location-specific user expense based at least in part on the first user expense category and the location data. The geographic data system may generate a graphical user interface comprising a map including the first geographic location and an indication of the location-specific user expense.

Abstract: A computer-assisted method for uniformly pricing chargeable items in a healthcare provider's chargeable item database is disclosed. The method applies uniform pricing to identical or related chargeable items. A system for uniformly pricing related chargeable items is also disclosed.