Abstract: Methods, systems, and devices are disclosed for transforming product code snapshots into real-time, offer-driven electronic purchase transaction notifications that minimize fraud. In one embodiment, a smart phone scans a product identifier from a product package, a server accesses a products database for product purchase offers associated with the product identifier, a user authorizes a credit card from his or her wallet to charge, and then product purchase offers or other credit card offers (for loyalty points or otherwise) are provided to the user mobile device. After a user has purchased an item while in the aisle of the store, the user's smart phone displays a barcoded electronic receipt that can be scanned by the exit so that the consumer can walk out with the produce. In some embodiments, a video chat is requested by a customer service representative and a transaction risk score is lowered based on acceptance of the video chat.

Abstract: Methods, devices, and systems for charitable giving are disclosed. A consumer can set up a target amount of charitable giving that he or she wishes to pledge during a year, and amounts given toward that goal in various transactions can be summed and compared against the target. A consumer can change his or her target or contribution amounts based on projections toward a year-end date. Customer loyalty points, such as reward points, airline miles, hotel stays, etc. can be converted to cash equivalents and given to charity toward the personal goal if they are about to expire and could be used to meet a targeted charitable amount. Web portals and wireless kiosks located in public areas can accept payments, update users on their gift levels, and generally remind people to contribute to charity.