Abstract: A system comprising one or more processors and one or more non-transitory computer-readable media storing computing instructions that, when executed on the one or more processors, cause the one or more processors to perform: wirelessly transmitting a signal to a user device; storing, in a database, a user account associated with a user, the user account comprising a method of payment and a first authorization code; receiving a user device identification code from the user device in response to the user device receiving the signal; transmitting the user device identification code and the retail environment code to process sales; associating the user device with the retail environment in response to receiving the user device identification code and the retail environment code; receiving an order from the user device; and authorizing payment for the order utilizing a method of payment stored in the user account. Other embodiments are disclosed.

Abstract: Provided are a re-using e-commerce payment instruments for in-store purchasing systems and methods. A customer enters a check out and a transaction at the point of sale is started. The system receives a pairing request at a wallet processor from a customer mobile device operating a mobile application. This pairing request is created and sent in response to scanning of a code having a transaction identification. The system associates a customer payment profile with the transaction identification and sends associated information to the point of sale. The point of sale sends an amount of sale to authorize to the wallet processor after completing scanning of items. The system creates an authorization for payment and sending the authorization for payment to an authorizer. The transaction may then be completed by processing payment.

Abstract: Provided are a re-using e-commerce payment instruments for in-store purchasing systems and methods. A customer enters a check out and a transaction at the point of sale is started. The system receives a pairing request at a wallet processor from a customer mobile device operating a mobile application. This pairing request is created and sent in response to scanning of a code having a transaction identification. The system associates a customer payment profile with the transaction identification and sends associated information to the point of sale. The point of sale sends an amount of sale to authorize to the wallet processor after completing scanning of items. The system creates an authorization for payment and sending the authorization for payment to an authorizer. The transaction may then be completed by processing payment.

Abstract: Techniques for related to retail transaction are disclosed. The techniques involve various uses of a mobile device, such as a cell phone, in authorizing payment for a retail transaction and/or receiving and/or transmitting data to/from the mobile device.

Abstract: Provided are check-in to checkout systems and methods. The system includes a point of sale, a display, a mobile device, and a backend system. When the POS starts a transaction, such as, but not limited to scanning an item, the POS generates a transaction/basket identification. In response to starting the transaction, the POS sends the transaction/basket ID to the display in the form of a QR code or one-dimensional barcode. The mobile device operating a mobile application scans and captures the displayed code and reports to the backend systems. The backend systems then send a check-in event, which includes gathered data by the backend systems, to the POS and the POS acknowledges receipt of the message. At this point, a notification may be sent to the mobile application that the check-in was successful and a link is established for flow of information.

Abstract: Provided are check-in to checkout systems and methods. The system includes a point of sale, a display, a mobile device, and a backend system. When the POS starts a transaction, such as, but not limited to scanning an item, the POS generates a transaction/basket identification. In response to starting the transaction, the POS sends the transaction/basket ID to the display in the form of a QR code or one-dimensional barcode. The mobile device operating a mobile application scans and captures the displayed code and reports to the backend systems. The backend systems then send a check-in event, which includes gathered data by the backend systems, to the POS and the POS acknowledges receipt of the message. At this point, a notification may be sent to the mobile application that the check-in was successful and a link is established for flow of information.

Abstract: A refund processing system and method for automatically processing refunds to a mobile payment account of a customer is provided. The method includes the steps of receiving sales transaction information from a transaction records database, in response to a request from a point of sale device when a refund for an item is initiated, transmitting the sales transaction information to calculate an amount of funds to be refunded to a payment instrument, detecting that the payment instrument is not valid while attempting to apply the refund, and determining whether an electronic gift card is currently associated with the mobile payment account of the customer, and if so, applying the refund to the electronic gift card, and if not, creating a new electronic gift card and applying the amount of funds to the new electronic gift card.

Abstract: Described in detail herein are methods and systems to identify available location-based services using a mobile application on a mobile computing device. The mobile application receives a code from a location-specific computing device and uses the code to identify available types of services supported at the location of the location-specific computing device. A services management framework determines what ordered services are available at the location. A user uses the mobile computing device to scan a machine-readable element at the location to initiate performance of at least one of the available ordered services.

Abstract: Methods and systems to perform location-based services using a mobile application on a mobile computing device are discussed. A user uses the mobile computing device to scan a machine-readable element. The mobile application is configured to decode the machine-readable element to identify available types of services that are supported in a location of the machine-readable element. A services management framework determines available ordered services in the location-based on the available types of services.

Abstract: Methodologies, systems, and computer-readable media provided for a system for generating personalized electronic documents and verifying user identity are discussed. The system receives user identification data and check information from a user application. The check information is validated by the issuer of the check. The system transmits a notification to the user application that includes a machine readable code. The user application presents the machine readable code and the user identification data to a check-in module and automatic processing of the check is initiated.

Abstract: Provided are a re-using e-commerce payment instruments for in-store purchasing systems and methods. A customer enters a check out and a transaction at the point of sale is started. The system receives a pairing request at a wallet processor from a customer mobile device operating a mobile application. This pairing request is created and sent in response to scanning of a code having a transaction identification. The system associates a customer payment profile with the transaction identification and sends associated information to the point of sale. The point of sale sends an amount of sale to authorize to the wallet processor after completing scanning of items. The system creates an authorization for payment and sending the authorization for payment to an authorizer. The transaction may then be completed by processing payment.

Abstract: Provided is a merchant split tender system and method. A cashier completes a scan of merchandise and enters tendering phase. The point of sale sends a the request to authorize a total dollar amount to a wallet processor. The wallet processor accesses a customer payment profile to determine if there is a split tender configuration. If there is a split tender configuration, the wallet processor determines a first account and a second account to use for providing tender for the purchase. The first account and the second account to use is determined by the customer payment profile. The first account may be authorized first and then the second account may be authorized for the remaining amount. The system may also use more than two accounts. This process happens automatically based on the customer payment profile.

Abstract: Described in detail herein are methods and systems to identify available location-based services using a mobile application on a mobile computing device. The mobile application receives a code from a location-specific computing device and uses the code to identify available types of services supported at the location of the location-specific computing device. A services management framework determines what ordered services are available at the location. A user uses the mobile computing device to scan a machine-readable element at the location to initiate performance of at least one of the available ordered services.

Abstract: Methodologies, systems, and computer-readable media provided for a system for generating personalized electronic documents and verifying user identity are discussed. The system includes a server that receives personalized order details from an application on a mobile electronic device and generates a personalized electronic document for a user. The system also includes a broker system that receives a location identifier and user identification data from the mobile application and transmits a notification to the mobile electronic device when an order associated with the personalized electronic document is processed. The system also includes a computing device near a machine-readable code that can receive user identification data, retrieve the order, and initiate processing of the order using the personalized electronic document.

Abstract: Methodologies, systems, and computer-readable media are provided for processing pharmacy orders. A pharmacy services management module can receive a pharmacy order and transmit a first notification to a mobile electronic device once the pharmacy order is filled. The first notification can indicate that the pharmacy order is ready for pickup as well as a price associated with the pharmacy order. A broker computing system executes a user identification module and receives a location identifier and user identification data from an application executing on the mobile electronic device. A user check-in module receives the user identification data from the user identification module and retrieves the user's pharmacy order from the pharmacy services management module. The user check-in module can process payment for the pharmacy order and transmit a second notification to the application once the payment is processed.

Abstract: Methods and systems to perform location-based services using a mobile application on a mobile computing device are discussed. A user uses the mobile computing device to scan a machine-readable element. The mobile application is configured to decode the machine-readable element to identify available types of services that are supported in a location of the machine-readable element. A services management framework determines available ordered services in the location-based on the available types of services.

Abstract: A refund processing system and method for automatically processing refunds to a mobile payment account of a customer is provided. The method includes the steps of receiving sales transaction information from a transaction records database, in response to a request from a point of sale device when a refund for an item is initiated, transmitting the sales transaction information to calculate an amount of funds to be refunded to a payment instrument, detecting that the payment instrument is not valid while attempting to apply the refund, and determining whether an electronic gift card is currently associated with the mobile payment account of the customer, and if so, applying the refund to the electronic gift card, and if not, creating a new electronic gift card and applying the amount of funds to the new electronic gift card.

Abstract: A simulation module is embedded in a popular video game which simulates the functioning and use of one or more new subsystems. The game is chosen to be one which would possibly implement one of these subsystems in the course of the game. One such new subsystem may be a mobile payment system in which a user can pay for items using his/her smartphone. The simulation module may show a simulated mobile phone and allow the user to operate the simulated smartphone to buy items within the video game, using credits accumulated while playing the video game. The user's operation of the simulation module is monitored by a monitoring module and processed by an analysis module. This may alter the difficulty level of the game or activate or deactivate various simulations of subsystems.

Abstract: Provided are check-in to checkout systems and methods. The system includes a point of sale, a display, a mobile device, and a backend system. When the POS starts a transaction, such as, but not limited to scanning an item, the POS generates a transaction/basket identification. In response to starting the transaction, the POS sends the transaction/basket ID to the display in the form of a QR code or one-dimensional barcode. The mobile device operating a mobile application scans and captures the displayed code and reports to the backend systems. The backend systems then send a check-in event, which includes gathered data by the backend systems, to the POS and the POS acknowledges receipt of the message. At this point, a notification may be sent to the mobile application that the check-in was successful and a link is established far flow of information.

Abstract: Provided are common user experience for a mobile wallet system and methods. The system may include generally a mobile application operated on a mobile device, a mobile backend, a wallet broker, a point of sale (“POS”), and authorizer(s). The system allows a customer to receive encoded/encrypted data by scanning a code, or by receiving a wireless message, such as a Bluetooth low energy transmission or a near field communication, regardless of the mobile application or operating system. Mobile backend systems translate the messages so the customer does not have to do something different for different mobile applications. The system may alternatively allow a cashier to scan a participating mobile application's code such as a QR code/barcode. Mobile backend systems determine which wallet to communicate with and does so on the POS behalf. The POS is isolated from complexities of integrating with different mobile applications and corresponding backend systems.