Abstract: Techniques for related to retail transaction are disclosed. The techniques involve various uses allowing a customer to request that another customer pay for a retail transaction. Authorization for the payment may be automatic or may require authorization from the another customer for a transaction over a specified amount.

Abstract: Various embodiments include a system that can comprise one or more processing modules and/or one or more non-transitory memory storage modules storing computing instructions on the one or more processing modules.

Abstract: Systems and methods are provided to enable the execution of transactions, such as monetary or monetary currency transactions, on a mobile platform, while maintaining compliance requirements. The systems and methods described herein generally includes a server (e.g., management server), an associate computing device, and a client device. The server can communicably couple to a plurality of client devices that are accessible by at least one user to enable the at least one user to communicated with the server. The server can receive at least one request for a transaction from at least one of the plurality of client devices. The server can generate at least one form based on the request that includes a plurality of fields. The serve can transmit the at least one form to at least one of the plurality of client devices to enable at least one user to access the at least one form.

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: Examples provide pairing of a mobile electronic device with a merchant transaction device associated with a checkout area at a merchant facility. A plurality of advertising packets are received by the mobile electronic device. Each advertising packet of the plurality of advertising packets is associated with an individual beacon transceiver of a plurality of beacon transceivers. A checkout area of a plurality of checkout areas is identified within a beacon zone defined by an analysis of at least one parameter associated with the received advertising packets. A merchant pairing screen is generated at the mobile electronic device to pair the mobile electronic device to a merchant transaction device at the checkout lane of the plurality of checkout lanes. A pairing process for customer check-in to pick up an item is also provided in some examples.

Abstract: Some embodiments include a system. The system can comprise one or more processors and one or more non-transitory storage devices.

Abstract: A system and method for estimating a number of bags used in a purchase is disclosed. A method can comprise receiving a transmission indicating an intention by a consumer to purchase an item. Information about the item is retrieved from a database. The information about the item is associated with the consumer in a transaction. The number of bags used for the transaction is estimated. The estimation can be created using the weight and volume of a transaction. The estimation can also take into consideration the fragility, crushability, temperature-sensitivity, or cross-contamination possibility of the item. The estimated number of bags is forwarded to a mobile device. The estimated number of bags is used to determine the likelihood of unpurchased items being taken by the consumer. Other embodiments are also disclosed herein.

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: Various embodiments of system and method for catalog image generation include a method. The method comprises, while a first person is using a mobile device to scan an item in a store, capturing one or more first images of the item from the mobile device and selecting one of the one or more first images. In the method can further comprise uploading the one of the one or more first images to an online catalog for the store and providing instructions to display the one of the one or more first images to a second person. Other embodiments of related methods and systems are also provided.

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: 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 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: A system and method for forecasting sales is presented. A transmission by a customer is received indicating an intention for a customer to purchase an item from a retailer via a mobile device. An embodiment determines if the item is subject to an age-restriction. This can be accomplished by using location data of a retailer. Biometric data is received from the customer intending to purchase the item. The biometric data is compared to verified biometric data to confirm the identity of the customer. The age of the customer is determined. Thereafter, the transaction is allowed to proceed if the age of the customer satisfies the age-restriction for the item. Other embodiments are also disclosed herein.

Abstract: Techniques for related to retail transaction are disclosed. The techniques involve various uses allowing customers to pay for retail transaction using a mobile device, such as a cell phone. Payments for different goods or service in the transaction may be paid for using different methods of payments stored in a customer account.

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.

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: A system and method for forecasting sales is presented. A transmission by a customer is received indicating an intention for a customer to purchase an item from a retailer via a mobile device. An embodiment determines if the item is subject to an age-restriction. This can be accomplished by using location data of a retailer. Biometric data is received from the customer intending to purchase the item. The biometric data is compared to verified biometric data to confirm the identity of the customer. The age of the customer is determined. Thereafter, the transaction is allowed to proceed if the age of the customer satisfies the age-restriction for the item. Other embodiments are also disclosed herein.

Abstract: Techniques related to retail transaction are disclosed. The techniques involve comparing the prices associated with a customer order with the prices being charged by competitors prior to the transaction being completed. The customer is given the opportunity to apply a credit based on the difference in prices being charged by the retailer and competitors, to the transaction.