Abstract: A method for determining an appropriate redemption presentation for a virtual token associated with a stored value account is disclosed. The method may include receiving a request for presenting a redemption presentation of a virtual token and obtaining a merchant identifier associated with the request. The method may further include determining if the request is for one of an on-line transaction and a transaction with a point-of-sale terminal, and if the request is for a transaction with a point-of-sale terminal, then searching a database using the merchant identifier to find one or more redemption presentations of virtual token preferred by a merchant. Subsequently, the one or more redemption presentations of the virtual token may be transmitted over a computer network to a client device.

Abstract: A method for determining an appropriate redemption presentation for a virtual token associated with a stored value account is disclosed. The method may include receiving a request for presenting a redemption presentation of a virtual token and obtaining a merchant identifier associated with the request. The method may further include determining if the request is for one of an on-line transaction and a transaction with a point-of-sale terminal, and if the request is for a transaction with a point-of-sale terminal, then searching a database using the merchant identifier to find one or more redemption presentations of virtual token preferred by a merchant. Subsequently, the one or more redemption presentations of the virtual token may be transmitted over a computer network to a client device.

Abstract: A method and system for interactively promoting the sale of a product or service are described. The method and system includes capturing an image of a consumer with a video camera. Next, a biometric scan of the image may be conducted to determine if at least one biometric has been recognized from the scan. The biometric scan usually comprises a facial recognition scan. If one biometric has been recognized from the scan, the system may access a database comprising biometrics associated with at least one of browsing history, purchase history, and preference data associated with a consumer. The system may then display advertising images on a display device comprising a product or service augmented with one or more images of the consumer and which correspond with data stored in the database. The system may convey options for initiating a sale and preserving the sale of the product or service.

Abstract: A method and system for interactively promoting the sale of a product or service are described. The method and system includes capturing an image of a consumer with a video camera. Next, a biometric scan of the image may be conducted to determine if at least one biometric has been recognized from the scan. The biometric scan usually comprises a facial recognition scan. If one biometric has been recognized from the scan, the system may access a database comprising biometrics associated with at least one of browsing history, purchase history, and preference data associated with a consumer. The system may then display advertising images on a display device comprising a product or service augmented with one or more images of the consumer and which correspond with data stored in the database. The system may convey options for initiating a sale and preserving the sale of the product or service.

Abstract: Apparatus and methods are provided for offering shopping assistance tools. The tools may be used by developers to create enhanced in-store customer shopping applications. The shopping assistance tools provide in-store navigation, customer assistance, and inventory management services.

Abstract: A method and system include verifying credentials for gaining access to a central mobile payment controller using the portable computing device (“PCD”). The central mobile payment controller may receive a merchant identifier corresponding to a merchant and then it may compare the merchant identifier against loyalty account data stored in a database. The central controller may also receive product scan data and compare the product scan data against one of offer data and coupon data in a database. After these comparisons, any matches of product scan data to offer data or coupon data may be sent to the PCD and an electronic cash register (“ECR”). Similarly, any matches of the merchant identifier to loyalty account data may be transmitted to the PCD and ECR. During or after the purchase transaction, a message may be generated by the central mobile payment controller which lists one or more preferred payment options.

Abstract: A method for determining an appropriate redemption presentation for a virtual token associated with a stored value account is disclosed. The method may include receiving a request for presenting a redemption presentation of a virtual token and obtaining a merchant identifier associated with the request. The method may further include determining if the request is for one of an on-line transaction and a transaction with a point-of-sale terminal, and if the request is for a transaction with a point-of-sale terminal, then searching a database using the merchant identifier to find one or more redemption presentations of virtual token preferred by a merchant. Subsequently, the one or more redemption presentations of the virtual token may be transmitted over a computer network to a client device.

Abstract: A method for creating and managing a shared stored value account associated with a client device is disclosed. The method may include assigning a first unique identifier to an owner of a stored value account and assigning a primary account number to the stored value account. The method may further include receiving input to create a shared stored value account based on the stored value account as well as receiving input corresponding to an intended recipient of the shared stored value account. The method may also include creating a second unique identifier that is associated with the intended recipient of the shared stored value account and that is associated with the primary account number assigned to the stored value account. The method may also include displaying options for restrictions as well as creating a second primary account number that is associated with the second unique identifier for tracking the restrictions.

Abstract: A method for creating and managing a stored value account associated with a client device is disclosed and may include receiving one of a merchant identifier and an unbranded place holder to associate with the stored value account, receiving an amount of value to assign to the stored value account, and creating a virtual token for the stored value account that is associated with the client device. The method may further include creating a unique identifier associated with a client device, if a stored value account is associated with a merchant identifier, then creating an account number, and if a stored value account is associated with a merchant identifier, then creating an association between the account number and the unique identifier and between the account identifier and the merchant identifier in a database.