Abstract: A method comprising receiving, via a first application and from a client device, a request for a data format conversion of transaction data; responsive to receiving the request, transmitting, via the first application, a verification request comprising an institution identifier and an account identifier to a second application, receiving, via the first application from the second application, verification that the first account identifier is associated with a valid user account; converting, via the first application, a portion of the transaction data from a first format to a second format; transmitting, via the first application, an update request to the second application, receipt of the update request causing the second application to (1) select an established connection with an institution, and (2) initiate an update transaction with the institution based on the converted transaction data; receiving, via the first application, an indication that the update transaction was successful.

Abstract: A method comprising receiving, via a first application and from a client device, a request for a data format conversion of transaction data; responsive to receiving the request, transmitting, via the first application, a verification request comprising an institution identifier and an account identifier to a second application, receiving, via the first application from the second application, verification that the first account identifier is associated with a valid user account; converting, via the first application, a portion of the transaction data from a first format to a second format; transmitting, via the first application, an update request to the second application, receipt of the update request causing the second application to (1) select an established connection with an institution, and (2) initiate an update transaction with the institution based on the converted transaction data; receiving, via the first application, an indication that the update transaction was successful.

Abstract: A payment terminal and a host computer system are configured to provide human-readable messaging capability with a person at an external location outside of a financial infrastructure. A payment terminal at a point of sale may be used to cause human-readable message content to be forwarded to the person by the host computer system, either automatically or at the instigation of an operator of the payment terminal. Message content from the person may be delivered to the payment terminal for display to the operator. The person at the external location may be able to retrieve information stored in the payment terminal via standard communication channels. The system also provides a mechanism for exchanging messages between payment terminals.

Abstract: A payment terminal and a host computer system are configured to provide human-readable messaging capability with a person at an external location outside of a financial infrastructure. A payment terminal at a point of sale may be used to cause human-readable message content to be forwarded to the person by the host computer system, either automatically or at the instigation of an operator of the payment terminal. Message content from the person may be delivered to the payment terminal for display to the operator. The person at the external location may be able to retrieve information stored in the payment terminal via standard communication channels. The system also provides a mechanism for exchanging messages between payment terminals.

Abstract: A payment terminal and a host computer system are configured to provide human-readable messaging capability with a person at an external location outside of a financial infrastructure. A payment terminal at a point of sale may be used to cause human-readable message content to be forwarded to the person by the host computer system, either automatically or at the instigation of an operator of the payment terminal. Message content from the person may be delivered to the payment terminal for display to the operator. The person at the external location may be able to retrieve information stored in the payment terminal via standard communication channels. The system also provides a mechanism for exchanging messages between payment terminals.

Abstract: Systems, methods, and devices for processing feedback information received from mobile device responding to tone transmission are provided. One system may include a memory for storing computer-executable instructions, and an information source processor in communication with the memory, wherein the processor is configured to execute the computer-executable instructions to associate a location identifier with user prompting information and transmit the location identifier to a tone transmission device, where the location identifier is embedded in a tone. The processor is further configured to execute the computer-executable instructions to receive the location identifier that was sent from a mobile device that received the tone from the tone transmission device, retrieve, from the memory, user prompting information based on the location identifier, and transmit the user prompting information to the mobile device.

Abstract: Systems, methods, and devices for prompting mobile device users for feedback information using tone transmissions are provided. One device may include a network interface, a display, a microphone, and a processor in communication with the network interface, display, and microphone, where the processor is configured to execute computer executable instructions to receive, by the microphone, a tone, where the tone includes a location identifier. The processor is further configured to execute computer executable instructions to extract the location identifier from the tone, and transmit, via the network interface, a signal that includes at least a portion of the location identifier. Moreover, the processor is further configured to execute computer executable instructions to receive, via the network interface, user prompting information associated with the location identifier, and display at least a portion of the user prompting information on the display.

Abstract: Systems, methods and apparatus for facilitating transactions using a mobile device are provided by certain embodiments of the invention. Information associated with a proposed transaction may be received at a mobile device from a point of sale device. The mobile device may communicate a request to approve the proposed transaction to a transaction processor. The request may at least a portion of the received information and an identifier associated with the mobile device. The transaction processor may determine whether to approve the proposed transaction and communicate an approval or decline message to the point of sale device.

Abstract: Systems, methods, and apparatus receiving promotion information by a mobile device are provided by certain embodiments of the invention. According to one embodiment, an information carrying tone may be received at a mobile device from a tone transmission device, wherein the information carrying tone includes at least one location identifier associated with promotion information. A tone processing application of the mobile device may further provide for processing the information carrying tone to extract at least one location identifier, and to transmit, to an information source, an indication responsive to receiving the information carrying tone. Also according to various aspects, following transmission of the indication, promotional information can be received by the mobile device for subsequent processing and utilization, such as an activation confirmation or a redeemable promotion.

Abstract: Systems, methods, and apparatus providing promotion information to a mobile device are provided by certain embodiments of the invention. According to one embodiment, promotion information for a program may be associated with an information carrying tone that is transmitted to a mobile device associated with an operator by a tone transmission device. An indication received responsive to the mobile device receiving the information carrying tone can be stored, and at least one entry associating the promotion and the operator can be stored responsive to receiving the indication. Also according to various aspects, following receipt of the indication, it may be determined whether the promotion is validated and/or can be activated for the operator, and promotional information can be communicated to the operator, such as a activation confirmation or a redeemable promotion.

Abstract: In accordance with one embodiment of the invention, a system is provided that allows a point of sale device to capture the signature of a check writer at the time a check is presented for ACH processing. In accordance with another embodiment, a test can be made to compare optically read information from the face of a check against a negative database or a risk management database to reduce the risk of bad checks being processed by a merchant.

Abstract: According to one embodiment of the invention, a system can be provided to detect fraudulent activity occurring during check processing. Such fraudulent activity can be detected for example by monitoring the electronic check imaging process and performing checks on the data to determine anomalous occurrences that are indicative of fraudulent transactions.

Abstract: A payment terminal and a host computer system are configured to provide human-readable messaging capability with a person at an external location outside of a financial infrastructure. A payment terminal at a point of sale may be used to cause human-readable message content to be forwarded to the person by the host computer system, either automatically or at the instigation of an operator of the payment terminal. Message content from the person may be delivered to the payment terminal for display to the operator. The person at the external location may be able to retrieve information stored in the payment terminal via standard communication channels. The system also provides a mechanism for exchanging messages between payment terminals.

Abstract: Systems, methods, and apparatus for providing promotion information to a mobile asset are provided by various embodiments of the invention. At least one triggering event for soliciting promotional information may be detected. Based on the detection, a request for promotional information may be communicated to a promotional information server and promotional information may be received in response to the request. At least a portion of the promotional information may be presented to a user by a designated asset.

Abstract: Systems, methods, and apparatus receiving promotion information by a mobile device are provided by certain embodiments of the invention. According to one embodiment, an information carrying tone may be received at a mobile device from a tone transmission device, wherein the information carrying tone includes at least one location identifier associated with promotion information. A tone processing application of the mobile device may further provide for processing the information carrying tone to extract at least one location identifier, and to transmit, to an information source, an indication responsive to receiving the information carrying tone. Also according to various aspects, following transmission of the indication, promotional information can be received by the mobile device for subsequent processing and utilization, such as an activation confirmation or a redeemable promotion.

Abstract: Systems, methods, and devices for prompting mobile device users for feedback information using tone transmissions are provided. One device may include a network interface, a display, a microphone, and a processor in communication with the network interface, display, and microphone, where the processor is configured to execute computer executable instructions to receive, by the microphone, a tone, where the tone includes a location identifier. The processor is further configured to execute computer executable instructions to extract the location identifier from the tone, and transmit, via the network interface, a signal that includes at least a portion of the location identifier. Moreover, the processor is further configured to execute computer executable instructions to receive, via the network interface, user prompting information associated with the location identifier, and display at least a portion of the user prompting information on the display.

Abstract: Systems, methods, and apparatus for facilitating the communication of information to a mobile device in a broadcast signal are provided. A tone may be inserted into a broadcast signal, the tone including at least one location identifier for information associated with the tone. The broadcast signal may be output for communication to a tone transmission device that is operable to communicate the tone to a mobile device. Once received by the mobile device, the at least one location identifier may facilitate the receipt, by the mobile device from an information source, of the information associated with the tone.

Abstract: Systems, methods, and apparatus for facilitating the receipt of information by a mobile device are provided by certain embodiments of the invention. A tone may be received by a mobile device from a tone transmission device The tone may include at least one location identifier for information associated with the tone. The at least one location identifier may be extracted from the tone by the mobile device, and a request for additional information associated with the tone may be generated utilizing the at least one location identifier. The generated request may be communicated from the mobile device to an information source, and at least a portion of the information associated with the tone may be received from the information source in response to the request.

Abstract: Systems, methods, and apparatus providing program information to a mobile device are provided by certain embodiments of the invention. According to one embodiment, program information for a program may be associated with an information carrying tone that is transmitted to a mobile device associated with an operator by a tone transmission device. An indication received responsive to the mobile device receiving the information carrying tone can be stored, and at least one entry associating the program and the operator can be stored responsive to receiving the indication. Also according to various aspects, following receipt of the indication, program information can be communicated to the operator, such as terms and conditions or enrollment information, and it may be determined whether the operator desires to enroll in the respective program or accepts terms and conditions.

Abstract: Systems, methods, and apparatus for facilitating communication between mobile devices are provided by certain embodiments of the invention. A tone may be processed at a first mobile device for transmission to a second mobile device. The tone may include at least one location identifier for information associated with the tone. The tone may be transmitted from the first mobile device to the second mobile device. After receipt by the second mobile device, the at least one location identifier may facilitate the receipt, by the second mobile device from an information source, of the information associated with the tone.