Abstract: An access-control system is provided for a door lock that is associated with a door and a rotatable doorknob. The access-control system includes a doorknob cover.

Abstract: Examples provide pairing of a mobile electronic device with a merchant transaction device associated with a checkout area at a merchant facility. A plurality of advertising packets are received by the mobile electronic device. Each advertising packet of the plurality of advertising packets is associated with an individual beacon transceiver of a plurality of beacon transceivers. A checkout area of a plurality of checkout areas is identified within a beacon zone defined by an analysis of at least one parameter associated with the received advertising packets. A merchant pairing screen is generated at the mobile electronic device to pair the mobile electronic device to a merchant transaction device at the checkout lane of the plurality of checkout lanes. A pairing process for customer check-in to pick up an item is also provided in some examples.

Abstract: Systems, methods, and computer-readable storage media configured according to this disclosure provide money services on a money services device such as a kiosk device, tablet device, mobile device, virtual reality device, mixed reality device and the like. An application runs on the money services device and communicates with remote services to perform profile management functions such as facilitating account log-in and allowing users to log-in using mobile messaging. Other services such as verifying the user's ID via an account management service may also be provided.

Abstract: Provided are a re-using e-commerce payment instruments for in-store purchasing systems and methods. A customer enters a check out and a transaction at the point of sale is started. The system receives a pairing request at a wallet processor from a customer mobile device operating a mobile application. This pairing request is created and sent in response to scanning of a code having a transaction identification. The system associates a customer payment profile with the transaction identification and sends associated information to the point of sale. The point of sale sends an amount of sale to authorize to the wallet processor after completing scanning of items. The system creates an authorization for payment and sending the authorization for payment to an authorizer. The transaction may then be completed by processing payment.

Abstract: Provided is a merchant split tender system and method. A cashier completes a scan of merchandise and enters tendering phase. The point of sale sends a the request to authorize a total dollar amount to a wallet processor. The wallet processor accesses a customer payment profile to determine if there is a split tender configuration. If there is a split tender configuration, the wallet processor determines a first account and a second account to use for providing tender for the purchase. The first account and the second account to use is determined by the customer payment profile. The first account may be authorized first and then the second account may be authorized for the remaining amount. The system may also use more than two accounts. This process happens automatically based on the customer payment profile.

Abstract: A point-of-sale system is provided that permits users to self-manage prepaid debit cards. Such a system may be capable of identifying and managing a number of different prepaid debit cards provided by different card issuers. The system may permit, for example, a user to purchase, activate, load funds, or perform other management operations with such cards. The system may also enforce restrictions associated with particular card types, and follow process flows for activating and performing other operations of such cards. The system may also be easily extendible to other types of prepaid cards through established card network relationships.

Abstract: A robotic system is integrated with one or more mobile computing devices. Physical configurations of individual components of the system in physical space, or agents, under control of a user or users, are duplicated in a representation in virtual space. Some degree of real-time parity is maintained between the physical and virtual spaces, so as to implement a virtual environment that mirrors the physical one. Events occurring within one environment can directly influence and bear consequence on the course of events occurring within the other environment. Elements of virtual space thereby become truly interdependent and unified on a peer footing with elements in physical space. In at least one embodiment, the system is implemented as an application in entertainment, such as the manifestation of a video game in physical space.

Abstract: A method for authenticating an online transaction on a first computing device using a second computing device including detecting a request to process sensitive payment information input on the first computing device to complete a transaction, determining that a condition is present associated with the transaction, disabling a payment processing function of the website to prevent a payment from being processed and completed, generating a unique identifier to be displayed on the first computing device, wherein the user scans the unique identifier with a second computing device to initiate an authentication function, authenticating the user operating the first computing device, and enabling, by the processor, the payment processing function of the website to allow the payment to process.

Abstract: A computer system, computer program product, and method includes detecting a request for sensitive information to be input by a user, determining that a network is a non-secure network, disabling a sensitive user information input function to prevent the user from entering sensitive information over the unsecure network, generating a unique identifier to be displayed on the computer, wherein the user scans the unique identifier with a mobile device to initiate an automatic transaction over a secure network between the mobile device and the computing system, validating the user operating the mobile device and completing the automatic transaction over the secure network with the mobile device rather than over the unsecure network with the computer.

Abstract: A refund processing system and method for automatically processing refunds to a mobile payment account of a customer is provided. The method includes the steps of receiving sales transaction information from a transaction records database, in response to a request from a point of sale device when a refund for an item is initiated, transmitting the sales transaction information to calculate an amount of funds to be refunded to a payment instrument, detecting that the payment instrument is not valid while attempting to apply the refund, and determining whether an electronic gift card is currently associated with the mobile payment account of the customer, and if so, applying the refund to the electronic gift card, and if not, creating a new electronic gift card and applying the amount of funds to the new electronic gift card.

Abstract: A point-of-sale system is provided that permits users to self-manage prepaid debit cards. Such a system may be capable of identifying and managing a number of different prepaid debit cards provided by different card issuers. The system may permit, for example, a user to purchase, activate, load funds, or perform other management operations with such cards. The system may also enforce restrictions associated with particular card types, and follow process flows for activating and performing other operations of such cards. The system may also be easily extendible to other types of prepaid cards through established card network relationships.

Abstract: Methods, systems, and devices are disclosed for passively monitoring a health condition of a subject using a mobile device. In some aspects, a method includes producing a set of quantitative metrics based on one or more parameters including location, movement, and sound obtained from the mobile device, where the produced set of quantitative metrics includes a location cluster value, a travel distance value, a frequency of conversation value, and an activity value, each of the quantitative metrics over a respective predetermined time period; and processing the set of quantitative metrics to determine a metric indicative of a current clinical state of the subject in connection with one or more measures including daily routines, mood or energy of the subject. Using the sensed parameters, rhythmicity markers and/or departure from stability can be predicted to alert a caregiver of the patient's health status, such as a current mental health state.

Abstract: Provided are common user experience for a mobile wallet system and methods. The system may include generally a mobile application operated on a mobile device, a mobile backend, a wallet broker, a point of sale (“POS”), and authorizer(s). The system allows a customer to receive encoded/encrypted data by scanning a code, or by receiving a wireless message, such as a Bluetooth low energy transmission or a near field communication, regardless of the mobile application or operating system. Mobile backend systems translate the messages so the customer does not have to do something different for different mobile applications. The system may alternatively allow a cashier to scan a participating mobile application's code such as a QR code/barcode. Mobile backend systems determine which wallet to communicate with and does so on the POS behalf. The POS is isolated from complexities of integrating with different mobile applications and corresponding backend systems.

Abstract: Provided are check-in to checkout systems and methods. The system includes a point of sale, a display, a mobile device, and a backend system. When the POS starts a transaction, such as, but not limited to scanning an item, the POS generates a transaction/basket identification. In response to starting the transaction, the POS sends the transaction/basket ID to the display in the form of a QR code or one-dimensional barcode. The mobile device operating a mobile application scans and captures the displayed code and reports to the backend systems. The backend systems then send a check-in event, which includes gathered data by the backend systems, to the POS and the POS acknowledges receipt of the message. At this point, a notification may be sent to the mobile application that the check-in was successful and a link is established far flow of information.

Abstract: Techniques for related to retail transaction are disclosed. The techniques involve various uses of a mobile device, such as a cell phone, in authorizing payment for a retail transaction and/or receiving and/or transmitting data to/from the mobile device.

Abstract: A bingo system having individual bingo player terminals on which players purchase bingo cards at varying costs and play bingo, coupled to backend computer systems called bingo game managers (BGMs). The BGMs manage bingo game play in two modes, banked and non-banked. Non-banked mode forms bingo games from requests at the same wager level, and forms bingo sessions from bingo games where a bingo session uses a single bingo ball draw. Each wager level has at least one prize pool associated with it; each prize pool is constructed such that it guarantees a given percentage hold to an operator and further enables realistic mimicking of highly complex games such as 5-reel 9-payline slots for use in post-bingo-play displays. Banked mode uses no pools; bingo prizes are generated using an RNG and game template or paytable.

Abstract: Providing a consumer directed payment card (“CDPC”). Parameters for the CDPC are established in advance of the processing of a transaction to define how transactions are to be processed. The parameters are based on attributes of the transaction, such as transaction value, fund availability, credit availability, merchant type, merchant location, and date. The transaction processes include debit, credit, stored value, installment loan, and other deferred-payment transaction types. Parameters are stored and accessed during a transaction. The appropriate transaction process is determined based on the parameters, and the transaction is processed. A processing platform can be logically connected to a network, banking entity, credit line entity, and a network. The processing platform includes a decision engine, which is logically connected to a decision engine database.

Abstract: A bingo system having individual bingo player terminals on which players purchase bingo cards at varying costs and play bingo, coupled to backend computer systems called bingo game managers (BGMs). The BGMs manage bingo game play in two modes, banked and non-banked. Non-banked mode forms bingo games from requests at the same wager level, and forms bingo sessions from bingo games where a bingo session uses a single bingo ball draw. Each wager level has at least one prize pool associated with it; each prize pool is constructed such that it guarantees a given percentage hold to an operator and further enables realistic mimicking of highly complex games such as 5-reel 9-payline slots for use in post-bingo-play displays. Banked mode uses no pools; bingo prizes are generated using an RNG and game template or paytable.