Abstract: A system for generating a personalized digital instant rebate coupon (DIRC) for financial transactions with sponsoring merchants comprises a server-based virtual private network and a group of participating merchants whose point-of-sale systems are attached to the virtual private network, and users having mobile devices connected to the virtual private network, whereby a user completing a transaction with a merchant is provided with a DIRC that may be displayed on the user's mobile device, and may be immediately redeemed at a facility of another participating merchant.

Abstract: A new medium of tender employs both a primary barcode and a merchant specific extension barcode that are both associated with specific consumers. The system operates within preexisting merchant platforms and links merchant systems, POS systems, inventory systems, SKU systems, barcode readers and a server. The system allows the ready linking and access of consumer transaction related information including purchase history, credit information, merchandise details and similar information. It further allows for the ready remittance of payment via the ACH network through the eCache computer network or other funding networks based on criteria established by the merchant itself. It further facilitates the administration of consumer rewards or loyalty programs and also facilitates consignment arrangements between suppliers and merchants.

Abstract: A new medium of tender employs both a primary barcode and a merchant specific extension barcode that are both associated with specific consumers. The system operates within preexisting merchant platforms and links merchant systems, POS systems, inventory systems, SKU systems, barcode readers and a server. The system allows the ready linking and access of consumer transaction related information including purchase history, credit information, merchandise details and similar information. It further allows for the ready remittance of payment via the ACH network through the eCache computer network or other funding networks based on criteria established by the merchant itself. It further facilitates the administration of consumer rewards or loyalty programs and also facilitates consignment arrangements between suppliers and merchants.

Abstract: A new medium of tender employs both a primary barcode and a merchant specific extension barcode that are both associated with specific consumers. The system operates within preexisting merchant platforms and links merchant systems, POS systems, inventory systems, SKU systems, barcode readers and a server switch. The system allows the ready linking and access of consumer transaction related information including purchase history, credit information, merchandise details and similar information. It further allows for the ready remittance of payment via the ACH network through the eCache computer network or other funding networks based on criteria established by the merchant itself. It further facilitates the administration of consumer rewards or loyalty programs and also facilitates consignment arrangements between suppliers and merchants.

Abstract: A method for making financial transactions uses a proprietary server and network in communication with a merchant's point of sale (POS) terminal and a customer's smart phone. The smart phone runs an application that generates or downloads from the server a two dimensional barcode containing encrypted information. The barcode display is scanned at the POS, and transaction information is returned to the proprietary server for processing as an ACH or a conventional transaction.

Abstract: A new medium of tender employs both a primary barcode and a merchant specific extension barcode that are both associated with specific consumers. The system operates within preexisting merchant platforms and links merchant systems, POS systems, inventory systems, SKU systems, barcode readers and a server switch. The system allows the ready linking and access of consumer transaction related information including purchase history, credit information, merchandise details and similar information. It further allows for the ready remittance of payment via the ACH network through the eCache computer network or other funding networks based on criteria established by the merchant itself. It further facilitates the administration of consumer rewards or loyalty programs and also facilitates consignment arrangements between suppliers and merchants.

Abstract: A method of providing secure financial transactions using the internet creates virtual currency that is used to settle monetary obligations amongst authorized purchasers, merchants, and other financial operators. The network operator maintains available funds in pooled fund accounts at various financial institutions, and uses those funds to purchase and sell virtual currency that may then be used on-line. Actual monetary transfers take place between pooled accounts using traditional automated clearing house (ACH) networks, pursuant to instructions provided to financial institutions by the network operator. User authentication and authorization are provided through a dual registration process, and a user's identity may be authenticated using a physical medium or a PIN. Instructions may be given remotely to the network operator through cellular telephones and PDAs.