Abstract: Disclosed herein are systems and methods for validating transactions between a remote merchant system and an end-user terminal. In general, transaction information is received at a service provider regarding a transaction between the merchant system and an end user terminal, that includes transaction instructions on what actions need to be performed by the end user terminal in order for the merchant system to complete the transaction. The service provider generates a token ID that does not include a transaction identification nor a merchant system identification, but is linked to stored transaction instructions. The token ID is received from a remote point-of-sale (POS) terminal with presentment information that is validated against the transaction instructions to complete the transaction.

Abstract: Disclosed herein are systems and method for facilitating transactions between a merchant-partner and a customer. In general, the systems and methods include: (a) staging a transaction between the merchant-partner and the customer; (b) tokenizing the transaction by linking one or more transaction instructions to a token ID; (c) providing the customer with the token ID, wherein the customer can then present the token ID and a payment to a point-of-sale terminal; (d) receiving confirmation that the customer has presented, to a point-of-sale terminal, the token ID and a payment in accordance with the one or more transaction instructions; (e) notifying the merchant-partner that the customer provided the payment to the point-of-sale terminal; and (f) settling the transaction between the point-of-sale terminal and the merchant-partner.

Abstract: Disclosed herein are systems and method for facilitating transactions between a merchant-partner and an end-user (e.g., a customer of the merchant-partner). More specifically, presented herein are pricing systems and methods for establishing and staging transactions between a point-of-sale terminal, one or more merchant-partners, and a service provider.

Abstract: Disclosed herein are systems and method for facilitating money transfer transactions between a sender and a recipient. In general, the systems and methods include: (a) a point-of-service terminal (POS) receiving an initiation payment from a sender; (b) a pre-funded account that receives replenish payments from the POS; (c) a money transmitter terminal that receives a funding payment from the pre-funded account, and provides a fulfillment payment to a recipient; and (d) a centralized service provider linking the POS, the pre-funded account, and the money transmitter. In operation, the centralized service provider (1) receives presentment data, from the POS, indicating that the sender has provided the initiation payment at the POS, (2) provides a computerized notification to the money transmitter, instructing the money transmitter to provide the fulfillment payment to the recipient, and (3) facilitates the replenishment of the pre-funded account.

Abstract: Disclosed herein are systems and methods for facilitating retail promotions. The systems and methods disclosed generally include: (a) defining terms of a retail promotion; (b) identifying whether a consumer has acted in accordance with the terms of the retail promotion; and (c) authorizing a tender presented by the consumer, based on whether the consumer has acted in accordance with the terms of the retail promotion. The disclosed systems and methods have wide ranging applicability, including (non-exclusively): (1) allowing a brand company to initiate localized promotions at a point-of-sale retailer; (2) allowing a point-of-sale retailer to initiate localized promotions; and/or (3) allowing a point-of-sale retailer to build a customer database and build customer loyalty, without having to make significant changes to their point-of-sale terminal infrastructure.

Abstract: Disclosed herein are systems and methods for facilitating retail promotions. The systems and methods disclosed generally include: (a) defining terms of a retail promotion; (b) identifying whether a consumer has acted in accordance with the terms of the retail promotion; and (c) authorizing a tender presented by the consumer, based on whether the consumer has acted in accordance with the terms of the retail promotion. The disclosed systems and methods have wide ranging applicability, including (non-exclusively): (1) allowing a brand company to initiate localized promotions at a point-of-sale retailer; (2) allowing a point-of-sale retailer to initiate localized promotions; and/or (3) allowing a point-of-sale retailer to build a customer database and build customer loyalty, without having to make significant changes to their point-of-sale terminal infrastructure.

Abstract: Disclosed herein are systems and method for facilitating transactions between a merchant-partner and an end-user (e.g., a customer of the merchant-partner). More specifically, presented herein are systems and methods for settling a transaction between a point-of-sale terminal and a merchant-partner, wherein the point-of-sale terminal receives presentment of a payment for the merchant-partner from an end-user.

Abstract: Provided in some embodiments is a method for conducting an honorary credit transaction.

Abstract: Provided in some embodiments is a method for conducting an honorary credit transaction.

Abstract: Provided in some embodiments is a method for conducting an honorary credit transaction.

Abstract: Provided in some embodiments is a method for conducting a transaction for electronically transmittable items. The method includes receiving a request to purchase an electronically transmittable item of an internet vendor, wherein the electronically transmittable item is configured to be received via electronic transmission, requesting a voluntary payment from a purchaser in exchange for providing the electronically transmittable item, wherein the request comprises a request to provide the voluntary payment to one or more third party agents, providing the electronically transmittable item to the purchaser via electronic transmission prior to receiving the voluntary payment for the electronically transmittable item, and receiving the voluntary payment for the electronically transmittable item via at least one of the one or more third party agents.

Abstract: Provided in some embodiments is a method for conducting an honorary credit transaction. The method includes receiving a request to purchase an electronically transmittable item of a vendor via electronic communication network, wherein the electronically transmittable item is configured to be received via electronic transmission, providing honorary credit to a purchaser in exchange for an honorary commitment to provide payment for the electronically transmittable item to one or more agents, wherein the honorary commitment comprises a non-legally binding commitment to provide payment to the one or more agents for purchase of the electronically transmittable item, providing the electronically transmittable item to the purchaser via electronic transmission prior to receiving partial or complete payment for the electronically transmittable item, and receiving partial or complete payment for the electronically transmittable item via at least one of the one or more agents.

Abstract: Provided in some embodiments is a method of providing an invoice for payment. The method includes providing, in a computer system memory, an indicia set comprising a finite number of indices serviceable by a indicia system, wherein the indicia set includes a subset of indices each having a monetary value associated therewith, receiving a request to provide one or more indices having a net monetary value, assessing the indicia subset to determine a combination of indices comprising a net value equal to the monetary value, wherein the net value comprises a sum of the monetary values associated with each indicia of the combination of indices, and providing the combination of indices for inclusion on the invoice for payment.

Abstract: A system and method for rapidly and securely transferring funds electronically between two points comprises a server coupled to a network. The server contains software that receives an initiation funds transfer request from a first terminal via a network; generates a transaction number; stores the transaction number and data associated with the initiation funds transfer request in a memory location of the server; sends the transaction number to the first terminal via the network; receives a completion funds transfer request from a second terminal via the network; confirms that the completion funds transfer request is valid; updates the memory location to indicate that the funds transfer is complete; and sends a confirmation notice, which includes an amount of funds to dispense, to the second terminal via the network.