Abstract: A system and method provide access to a consumer's financial account without requiring a payment service token. The system supports transactions billed to an account associated with a cellular telephone with a merchant terminal for generating and sending merchant transaction data, a consumer data receiver for receiving consumer transaction data from a cellular telephone at the transaction site, and a transaction processor for processing the merchant transaction data and the consumer transaction data to access a financial account. This system is used to verify authorization to access the financial account for payment of a transaction. This system takes advantage of the almost ubiquitous presence of cellular telephones among the consuming public. The merchant terminal operates in a known manner to record data regarding items being purchased by a consumer and generates a total amount for the transaction.

Abstract: A system tracks items in the checkout area of a self-checkout terminal to reduce the likelihood of fraud in item substitution. The system includes a plurality of weight sensors operatively coupled to a checkout area for sensing a distributed weight of an item placed in a checkout area; and an item locator coupled to the plurality of weight sensors for determining a location for the item from the distributed weight as sensed by the sensors. The item locator identifies a location for an item from the weight differentials sensed at the weight sensors in response to movement of an item within the checkout area. The weight distribution and location data may be correlated to the item identifier for a scanned item so the items in the checkout area may be tracked. A security application program associated with the self-checkout terminal may be coupled to the system of the present invention to identify items placed on the checkout area by location as well as weight.

Abstract: A system tracks items in the checkout area of a self-checkout terminal to reduce the likelihood of fraud in item substitution. The system includes a plurality of weight sensors operatively coupled to a checkout area for sensing a distributed weight of an item placed in a checkout area; and an item locator coupled to the plurality of weight sensors for determining a location for the item from the distributed weight as sensed by the sensors. The item locator identifies a location for an item from the weight differentials sensed at the weight sensors in response to movement of an item within the checkout area. The weight distribution and location data may be correlated to the item identifier for a scanned item so the items in the checkout area may be tracked. A security application program associated with the self-checkout terminal may be coupled to the system of the present invention to identify items placed on the checkout area by location as well as weight.

Abstract: A system and method provide access to a consumer's financial account without requiring a payment service token. The system supports transactions billed to an account associated with a cellular telephone with a merchant terminal for generating and sending merchant transaction data, a consumer data receiver for receiving consumer transaction data from a cellular telephone at the transaction site, and a transaction processor for processing the merchant transaction data and the consumer transaction data to access a financial account. This system is used to verify authorization to access the financial account for payment of a transaction. This system takes advantage of the almost ubiquitous presence of cellular telephones among the consuming public. The merchant terminal operates in a known manner to record data regarding items being purchased by a consumer and generates a total amount for the transaction.