Abstract: A system and method for generating encrypted digital currency comprising: a computer processor for executing a set of instructions stored on a computer readable medium to; generate a plurality of unique serial IDs and corresponding currency denominations for the digital currency, each of the currency denominations associated with at least one of the plurality of unique serial IDs; store the plurality of unique serial IDs and corresponding currency denominations in a centralized list; access the list and generate the encrypted digital values using each associated pair of the plurality of unique serial IDs and corresponding currency denominations for the digital currency, each of the encrypted digital values representing the encrypted digital currency; and send one or more of the encrypted digital values to an institution over a communications network for storage in a financial account as an account deposit of the one or more of the encrypted digital values.

Abstract: The system includes receiving transaction information of the transaction including merchant identification information, consumer identification information and a transaction identifier associated with a barcode. The system also accesses a database of profile data using the merchant identification information to determine a transaction type of the transaction. The system also sends output data via the communications network by using workflow instructions associated with the transaction type, the output data for consumption by a consumer device of the consumer. The system also receives input data from the consumer device and includes the input data with the transaction information to generate a transaction request. The system can also send the transaction request via the communications network to a merchant interface of the merchant to complete the transaction with the merchant.

Abstract: A system and method for coordinating processing of a funds transfer transaction between a transaction requestor and a transaction responder over a communications network. The transaction system comprises receiving a funds amount, requestor identification information, and responder identification information, such that at least one of the funds amount, the requestor identification information, or the responder identification information is encoded in symbology information embodied in a barcode. The system also decodes the symbology information into unencoded information using a coding scheme of the barcode and generates a funds transfer request for the funds transfer transaction, such that the funds transfer request has content including the unencoded information decoded from the symbology information. The system also sends the funds transfer request to a transaction processing system for subsequent settlement, as well as receives transaction confirmation messages.

Abstract: The system includes receiving transaction information of the transaction including merchant identification information, consumer identification information and a transaction identifier associated with a barcode. The system also accesses a database of profile data using the merchant identification information to determine a transaction type of the transaction. The system also sends output data via the communications network by using workflow instructions associated with the transaction type, the output data for consumption by a consumer device of the consumer. The system also receives input data from the consumer device and includes the input data with the transaction information to generate a transaction request. The system can also send the transaction request via the communications network to a merchant interface of the merchant to complete the transaction with the merchant.

Abstract: Secure transactions are achieved over a public network by using a private network to handle the sensitive information of the transaction. When a client requests a product from a vendor server over a public network, the vendor server notifies a facilitation server on the public network. This results in the client receiving a set of computer readable instructions from the facilitation server. The set of instructions provide access instructions to a transaction server system on the private network so that sensitive transaction information is sent to the transaction server system on the private network rather than over the public Internet. Where the sensitive information is credit card information, the transaction server system may obtain authorisation for the transaction from a financial institution and then notify the vendor accordingly.

Abstract: A non-transitory computer readable storage medium with an executable payment application stored thereon, the payment application configured for generating a payment request for receipt by a transaction interface over a communications network such that that the transaction interface is separate and remote from a merchant interface over the communications network, a transaction of the payment request associated with a merchant providing a product to a consumer, wherein the payment application instructs a computer processor to perform the following steps of: receiving a sound code containing sound-based transaction data, wherein the transaction data is representative of merchant data associated with the product; receiving a consumer identifier, wherein the consumer identifier identifies the consumer; sending the payment request including the product data and the consumer identifier to the transaction interface over the communications network; and receiving a confirmation of approval or denial of the payment requ

Abstract: A system and method for coordinating processing of a funds transfer transaction between a transaction requestor and a transaction responder over a communications network. The transaction system comprises receiving a funds amount, requestor identification information, and responder identification information, such that at least one of the funds amount, the requestor identification information, or the responder identification information is encoded in symbology information embodied in a barcode. The system also decodes the symbology information into unencoded information using a coding scheme of the barcode and generates a funds transfer request for the funds transfer transaction, such that the funds transfer request has content including the unencoded information decoded from the symbology information. The system also sends the funds transfer request to a transaction processing system for subsequent settlement, as well as receives transaction confirmation messages.

Abstract: The system includes receiving transaction information of the transaction including merchant identification information, consumer identification information and a transaction identifier associated with a barcode. The system also accesses a database of profile data using the merchant identification information to determine a transaction type of the transaction. The system also sends output data via the communications network by using workflow instructions associated with the transaction type, the output data for consumption by a consumer device of the consumer. The system also receives input data from the consumer device and includes the input data with the transaction information to generate a transaction request. The system can also send the transaction request via the communications network to a merchant interface of the merchant to complete the transaction with the merchant.

Abstract: Secure transactions are achieved over a public network by using a private network to handle the sensitive information of the transaction. When a client requests a product from a vendor server over a public network, the vendor server notifies a facilitation server on the public network. This results in the client receiving a set of computer readable instructions from the facilitation server. The set of instructions provide access instructions to a transaction server system on the private network so that sensitive transaction information is sent to the transaction server system on the private network rather than over the public Internet. Where the sensitive information is credit card information, the transaction server system may obtain authorization for the transaction from a financial institution and then notify the vendor accordingly.

Abstract: A system and method for coordinating processing of a funds transfer transaction between a transaction requestor and a transaction responder over a communications network. The transaction system comprises receiving a funds amount, requestor identification information, and responder identification information, such that at least one of the funds amount, the requestor identification information, or the responder identification information is encoded in symbology information embodied in a barcode. The system also decodes the symbology information into unencoded information using a coding scheme of the barcode and generates a funds transfer request for the funds transfer transaction, such that the funds transfer request has content including the unencoded information decoded from the symbology information. The system also sends the funds transfer request to a transaction processing system for subsequent settlement, as well as receives transaction confirmation messages.

Abstract: A Mobile Image Payment System for mobile commerce, which enables a Consumer to use a mobile device to make payments for online, Electronic Media, Print Media and POS Transactions, involving the presentment of a short code. In an embodiment, the Consumer scans the short code that is displayed by a merchant, to initiate a transaction. The system completes the transaction by processing information between a Mobile Payment Client residing on the Consumer's mobile device, a Mobile Payment Interface residing on a Transaction Server, and, in a further embodiment, a Mobile Payment Application residing on a merchant's device or POS terminal. The Consumer's mobile device communicates with a Payment Platform, which communicates with a Merchant Transaction Server in order to process and complete the mobile transaction. The short code of the merchant can be displayed on any product or advertising medium.

Abstract: Systems and methods for providing enhanced transaction security via use of a split mobile payment system which allows a Consumer to pay for a purchase using his mobile device without exposing Payment Account information to the merchant. The split mobile payment system may include a mobile payment application (MPA), running on a Consumer's mobile device, which can communicate with a Payment Platform and merchant's in-store Point of Sale Payment Application (PPA). A barcode can be used as one means for identifying a Consumer's Payment Account to the Payment Platform via the PPA. In the event of a PIN being required, the PIN may be entered by the Consumer via the mobile device rather than the merchant's PPA.

Abstract: A system and method for assisting ordering and payment processing of an order invoice associated with a product selected by a customer. The system comprises collecting product data about the product and generates the order invoice information for use by at least an accounting system of the merchant. The system receives symbology information in an aggregated barcode associated with the order invoice, the symbology information including at least a portion of the order invoice information encoded using a coding scheme of a barcode. The system provides an image of the aggregated barcode to the customer for use in generating a transaction request for settlement of the order invoice, and receives a transaction response indicating transaction approval or transaction denial of the order invoice.

Abstract: A transaction system for coordinating processing of a transaction payment request associated with a transaction between a consumer and a merchant, the transaction associated with the merchant providing a product to the consumer, the system comprising: a computer processor coupled to a memory, wherein the computer processor is programmed to coordinate processing of the transaction payment request by: receiving the transaction payment request including consumer code data and identification information pertaining to the merchant and the product, the consumer code data representative of a subaccount registered with a transaction interface, the subaccount associated with a main account also registered with the transaction interface, such that a financial account is common to both the subaccount and the main account; accessing the subaccount or main account using the consumer code data to obtain payment information related to the transaction payment request including the financial account, mobile device contact inf

Abstract: Systems and methods for providing enhanced transaction security via use of a split mobile payment system which allows a Consumer to pay for a purchase using his mobile device without exposing Payment Account information to the merchant. The split mobile payment system may include a mobile payment application (MPA), running on a Consumer's mobile device, which can communicate with a Payment Platform and merchant's in-store Point of Sale Payment Application (PPA). A barcode can be used as one means for identifying a Consumer's Payment Account to the Payment Platform via the PPA. In the event of a PIN being required, the PIN may be entered by the Consumer via the mobile device rather than the merchant's PPA.

Abstract: A system and method for coordinating processing of a funds transfer transaction between a transaction requestor and a transaction responder over a communications network. The transaction system comprises receiving a funds amount, requestor identification information, and responder identification information, such that at least one of the funds amount, the requestor identification information, or the responder identification information is encoded in symbology information embodied in a barcode. The system also decodes the symbology information into unencoded information using a coding scheme of the barcode and generates a funds transfer request for the funds transfer transaction, such that the funds transfer request has content including the unencoded information decoded from the symbology information. The system also sends the funds transfer request to a transaction processing system for subsequent settlement, as well as receives transaction confirmation messages.

Abstract: A Mobile Image Payment System for mobile commerce, which enables a Consumer to use a mobile device to make payments for online, Electronic Media, Print Media and POS Transactions, involving the presentment of a short code. In an embodiment, the Consumer scans the short code that is displayed by a merchant, to initiate a transaction. The system completes the transaction by processing information between a Mobile Payment Client residing on the Consumer's mobile device, a Mobile Payment interface residing on a Transaction Server, and, in a further embodiment, a Mobile Payment Application residing on a merchant's device or POS terminal. The Consumer's mobile device communicates with a Payment Platform, which communicates with a Merchant Transaction Server in order to process and complete the mobile transaction. The short code of the merchant can be displayed on any product or advertising medium.

Abstract: A transaction system for coordinating processing of a transaction payment request associated with a transaction between a consumer and a merchant, comprising: a computer processor programmed for: receiving the transaction payment request including consumer code data and identification information, the consumer code data representative of a subaccount registered with a transaction interface; accessing the subaccount to obtain payment information related to the transaction payment request; creating a payment confirmation request using said identification information; sending said payment confirmation request over the network to a mobile device; obtaining authorization information from the mobile device; sending a funds transfer request to a payment platform based on the authorization information matching the required authorization information; receiving approval of the funds transfer request from the payment platform; and sending a confirmation of the approval of the funds transfer request to a computer device

Abstract: A system and method for assisting ordering and payment processing of an order invoice associated with a product selected by a customer. The system comprises collecting product data about the product and generates the order invoice information for use by at least an accounting system of the merchant. The system receives symbology information in an aggregated barcode associated with the order invoice, the symbology information including at least a portion of the order invoice information encoded using a coding scheme of a barcode. The system provides an image of the aggregated barcode to the customer for use in generating a transaction request for settlement of the order invoice, and receives a transaction response indicating transaction approval or transaction denial of the order invoice.

Abstract: An online media content distribution framework for sharing media content over a network and for coordinating transactions associated with the shared media content, the framework executed on a computer system using instructions stored on a storage to: register a plurality of content consumers as members of the framework by creating a respective profile account for each content consumer of the plurality of content consumers, each respective profile account including respective member information including respective member identification (ID) and consumer transaction account information; register a content provider as member of the framework by creating a respective profile account for the content provider including a respective member ID and provider transaction account information; receive a broadcast session request over the network from the content provider including the media content via a provider client application coupled to the framework; broadcast the media content to the plurality of content consumer