Abstract: Technologies for reverse logistics of mobile devices is provided. A returned mobile device is placed in a satchel with a unique identifier. The unique identifier was generated through an in-store return process in which the unique identifier was linked to transactional data associated with the returned mobile device, such as the returned mobile device's IMEI and return type. The transactional data associated with the returned mobile device is searched as a function of the unique identifier to determine the return type. The appropriate supply chain provisioning location is then determined as a function of the determined return type.

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 method for a mortgage acquisition system is disclosed. A real estate agent invites a home buyer to the mortgage acquisition system. The home buyer submits information to the system through forms and a messaging portal. The system presents this information to potential lenders, and specifically excludes the home buyer's personal identifying information (PII). The lender uses that information to submit information and mortgage terms to the customer. The home buyer decides on a mortgage lender based on the information and terms provided.

Abstract: System (100) operable to store loan ledger (700) operable to store data records in blockchain (600), and available balance (111) of an asset-backed digital currency. The data records comprising loan records (210) and loan payments records (220). The system further comprises processor (302) communicatively coupled to memory (304). Processor (302) may receive a request corresponding to loan record (210), requesting to store loan record (210) in loan ledger (700), and increment available balance (111) by loan's (210) principal amount (212). Processor (302) may also receive a payment request comprising loan payment record (220) associated with loan record (210), requesting to store loan payment record (220) in loan ledger (700), and decrement available balance (111) by a portion of payment amount (221) corresponding to loan principal payment (222). Whereby, system (100) provides the asset-backed digital currency having value comprising total value of loans (210) stored in loan ledger (700).

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: An automated, secured package, delivery system which provides simultaneous confirmation to the purchaser and shipper, and possesses a remote locking/unlocking feature whereby delivery of the shipped item and retrieval thereof, can be effected. When an item is delivered to a purchaser of the item, a confirmation of the delivery and the status of the item is sent to each of the purchaser and a shipper of the item over a network. Remote locking and unlocking of a component accessible by the purchaser over the network is provided, which can be locked upon delivery of the item, and unlocked by the purchaser when desired to access the item.

Abstract: A transaction tracking system includes a display that permits viewing the relationship between related transactions. In the display, individual transactions are depicted as transaction icons sorted in time order horizontal rows according to order ID.

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: Embodiments of the present invention are directed to a system and method for receiving transaction data for a transaction, accessing a database comprising alert preference data, generating a contact alert message using the transaction data and alert preference data using a notification server coupled to the database wherein the contact alert message comprises contact information of a first person who conducted the transaction, and sending the contact alert message to a notification device of a second person.

Abstract: Computer-based access security includes executing secure login and authorization methodologies by which configuration parameters and permissions associated with a user at a user computing device are compared to database-stored respective configuration parameters and permissions associated with the user. Thereafter, the user is authorized or not to login and access mobile app functionality if the user successfully passes facial recognition and/or spoof detection techniques. Facial recognition techniques include collection and indexing of user captured photo as compared to already stored photo information pertaining to the user.

Abstract: A method of operating a point-of-sale (POS) system (1), the POS system comprising a POS terminal (3) having a software module (17, 21) thereon for enabling a retailer to process transactions within a transaction environment, and a peripheral device (5, 7) in communication with the POS terminal (3), the POS system (1) further comprising a driver software module (40) installed between the POS terminal (3) software module (17, 21) and the peripheral device (5, 7), the method comprising: receiving, at the driver software module (40), data sent between the software module (17, 21) and the peripheral device (5, 7) in communication with the POS terminal (3); communicating with a further device (44, 60, 64) in dependence on the data received at the driver software module (40); receiving modified data from the further device (44, 60, 64); and outputting the modified data.

Abstract: Systems and methods include a database maintained by a financial institution that stores transaction data associated with a previous financial transaction performed via a financial account of a respective account holder, wherein the transaction data comprises a transaction location and a transaction timestamp, a spend memory processor of the financial institution that retrieves the transaction data from the database, interacts with a social linking application programming interface (API) to receive, via a network, social data from a social networking site, wherein the social data comprises a social location and a social timestamp, compares the social data to the transaction data, and creates a spend memory record based on one or more similarities between the social data and the transaction data, and a communication interface of the financial institution that provides the spend memory record to a mobile device associated with the account holder.

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: 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: Disclosed herein are system, method, and computer program product embodiments for a cloud-based point-of-sale system and a multi-function point-of-sale (POS) device. In an embodiment, the POS device includes an interactive display that switches between a first position oriented towards and for use by an operating clerk, and a second position oriented towards and for use by a customer. The POS device is able to detect the switch between the first position and the second position. A processor in the POS device outputs a first graphical user interface (GUI) on the interactive display in response to detection of the first position and a second GUI in response to detection of the second position. In an embodiment, the components of the POS device are combined together in a unified assembly.

Abstract: Methods and systems for documenting an inventory of items by accessing an inventory algorithm for creating an inventory list, adding two or more items to the inventory list, adding details about one or more of the items in the inventory list, identifying one or more real properties containing items in the inventory list, and linking one or more images with one or more of the items in the inventory list. The inventory can be created by providing a user with an access code to access the inventory list corresponding to the user, providing a reseller with access to the inventory algorithm for setting up a new user account and providing an authorized inventory professional with access to the inventory algorithm for creating the inventory list for the user.

Abstract: Present invention discloses a system and method that allow users to manage and keep track of the inventory items stored inside a closed container through computer vision, digital imaging processing and recognition and scanning means wherein the user can catalogue items to be stored and later able to locate the items stored inside a container anytime, anywhere without having to open the container or come to the storage location. The system uses the camera of the user mobile device to function towards its working process. Specifically, this invention integrates digital images taken from the user's mobile device with that of an improved computer vision scanning means that can readily scan any handwritten mark or label drawn or affixed on the exterior of the box to display the details of the items stored inside it. Disclosed invention is configured to run on any handheld devices such as smart phones and routed to the mobile application for display to a user.

Abstract: Authentication includes receiving an indication of physical possession of a payment card by a merchant and receiving a purchase request for an authorization of an exchange from the payment account of the cardholder to the merchant. Authentication includes assigning a randomized transaction identifier to the request for the authorization of the exchange. The method also includes transmitting the request for the authorization of the exchange from the payment account of the cardholder to the merchant and receiving the assigned randomized transaction identifier and a randomized authentication identifier associated with the randomized transaction identifier from a payment association, the payment association determining whether the request for the authorization of the exchange is valid.

Abstract: Authentication for payment transaction includes receiving, by a point-of-sale (POS) terminal, an indication that a payment account of a cardholder is associated with a mobile device and receiving a second indication of physical possession of a payment card by a merchant. The authentication includes receiving a purchase request for an authorization of exchange from the payment account of the cardholder to the merchant and assigning a transaction identifier to the request for the authorization of the exchange. The authentication includes transmitting the request for authorization of the exchange from the cardholder payment account to the merchant and the transaction identifier. The authentication includes receiving an indication that an authentication identifier is associated with the transaction identifier. The authentication includes receiving a copy of the authentication identifier, facilitated by the cardholder.

Abstract: A computer-implemented inventory and shipping management system may include a plurality of dedicated modules integrated with a common central data store. The modules may be configured to communicate with each other only through the central data store. Item records may be stored in the central data store, including information relating to a packaging tier structure of each respective item. A user interface for entering inventory information may be dynamically updated by the system based on a selected measurement category.