Abstract: Systems, methods, and computer program products are provided for routing digital receipts. In the systems and methods, transaction data is received, where the transaction data includes a receipt authorization code. The receipt authorization code is associated with one or more rules that include certain transaction criteria. The transaction criteria and the transaction data are compared to determine that the transaction complies with the one or more rules. Receipt data for the digital receipts is determined based on the terms of the one or more rules. In the systems and methods, digital receipts are provided to the user and include at least some of the receipt data.

Abstract: System, method, and computer program product are provided for using real-time video analysis, such as augmented reality, to assist a user of a mobile device with interior design. Through the use of real-time object recognition features, logos, artwork, products, locations, etc. can be recognized in a real-time video stream and can subsequently be matched with data associated with such to assist the user with selecting the proper design elements for a space, such as a kitchen. The proper design elements may be based off of several factors regarding the design space, include the dimensions of the space, the location of windows, doors and outlets, geographic and positional data, other space features, current design elements, architectural features, décor, and style data of the space, etc. This invention provides a virtual area with design elements, such that a user may view the area and determine the proper décor for the area.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for processing readable indicia for product registration. An exemplary system is configured to: receive information associated with readable indicia associated with a purchase; and process the readable indicia to initiate registration of a product associated with the purchase. As used herein, product registration may comprise product registration and user registration.

Abstract: Systems, methods, and computer program products provide for presentation of product offers in conjunction with a live video stream that includes images of the product or images associated with the product. The invention identifies products located proximate to a mobile communication, for example using real-time object recognition techniques, product codes, wireless communication or the like to identify products. Once the products are identified, related offers are determined and offer indicators are presented proximate to the location of the image in the live video stream.

Abstract: Embodiments of the invention include systems, methods, and computer-program products for providing a readable indicia for insurance payments. The system may provide a readable indicia on a statement from a treatment provider, such as a medical treatment provider, where the user's insurance may have covered a portion of the treatment price. The readable indicia may provide the user with itemized treatments received and payment methods for each. Furthermore, the system may provide the user with information associated with his/her insurance policy. The itemized treatments received may indicate the treatments that the user received from the medical provider during the visit, such as exams, tests, and the like. Payment methods for each include an amount, if any, that an insurance company may have contributed and/or the amount due from the user for the treatment.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for processing a pre-set readable indicia associated with a user. The invention reads the pre-set readable indicia from a mobile device of the user, where the pre-set readable indicia comprises payment information, stores the read pre-set readable indicia or payment information extracted from the pre-set readable indicia, and, after connecting to a network, reconciles the transaction based on the payment information extracted from the pre-set readable indicia. In some embodiments, the invention receives authentication credentials from the user and authenticates the user to approve payment using the payment information from the pre-set readable indicia.

Abstract: Embodiments of the invention include systems, methods, and computer-program products for providing readable indicia for medical office payments. As such, a readable indicia may be presented at a point-of-transaction (POT) at a medical treatment providers for a user to select. The system may dynamically present the readable indicia based on the user, the treatments provided, and the user's insurance coverage. The user may select the readable indicia with his/her user device. Upon selection, the system may provide the user with expedited viewing of itemized treatments, insurance coverage for each treatment, and amount due for each treatment, co-pay amount, an amount to be paid by the insurance company, detectable information, and a total amount the user will owe the medical treatment provider. The system may receive authorization to accept the treatment and apply a payment means to the treatment.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for processing readable indicia for fundraising. An exemplary system is configured to receive information associated with readable indicia associated with a non-profit organization; and process the readable indicia to authorize a payment to the non-profit organization. The readable indicia is valid for a predetermined period. Additionally, the readable indicia enables tracking of various types of information associated with fundraising.

Abstract: Embodiments of the invention include systems, methods, and computer-program products for providing readable indicia for healthcare codes. As such, a readable indicia may be presented at a point-of-transaction (POT) for a user to select. The system may dynamically present the readable indicia based on the user, the merchant, and the products of the transaction. The user may select the readable indicia with his/her user device. Upon selection, the system may provide the user with private viewing and selecting of alternative payment methods available to the user for that transaction. Alternative payment methods may include insurance or government programs. The system may receive authorization to apply one of the alternative payment methods to the transaction. As such, the invention provides private, yet expedited transaction capabilities using alternative payment methods at a merchant POT.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for processing a pre-set readable indicia associated with a user. The invention receives and stores one or more pre-set readable indicia including instructions for providing a payment during a transaction; and presents one or more of the pre-set readable indicia to a merchant during a transaction for payment. In some embodiments, the pre-set readable indicia comprises a one-use payment token for payment during a transaction not to exceed a predetermined payment limit, and in some embodiments, the pre-set readable indicia comprises payment account information and the invention receives authentication credentials from the user and authenticates the user to approve payment using the payment account information from the pre-set readable indicia.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for processing a readable indicia associated with an advertisement associated with a product. The invention decodes the readable indicia to determine product purchase information, wherein the product purchase information is associated with the product, receives authentication credentials associated with a payment account, and processes the authentication credentials to authorize a payment associated with the product purchase information. In some embodiments, the invention extracts a link from the readable indicia or a second readable indicia associated with the advertisement and initiates a user interface associated with the link. In some embodiments, the invention populates some or all the product purchase information into at least one of a user's notes, calendar or budget, and in some, the advertisement is placed proximate the product within a merchant's business.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for processing a readable indicia associated with an advertisement associated with a product. The invention presents a readable indicia in association with an advertisement, where the readable indicia includes instructions for triggering a data collection tool. The invention collects data from the data collection tool and analyzes characteristics of the readable indicia and the advertisement in order to determine a customer advertisement impact. The readable indicia may include information indicating at least one of a current date, a time of inception of the advertisement, a placement location of the readable indicia within the advertisement, or a visual characteristic of the readable indicia.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for collecting product information based on a navigation history of the user, the product information being associated with the product; generating a readable indicia based on the collected product information, wherein, in response to selection of the readable indicia, the readable indicia is configured to provide instructions for purchasing the product based on the collected product information; and presenting the readable indicia to the user for saving for subsequent consideration or distributing to one or more other users. In some embodiments, shipping information indicative of the user's desired destination address for the product is collected from user input and discount information is collected based on the navigation history of the user or user input. In such cases, the readable indicia may be generated based on all of the product information, the shipping information and the discount information.

Abstract: Image integrity in an archive can be verified using document characteristics. Embodiments of the invention provide a way to verify the integrity of a stored document image by determining document characteristics, which can also be embedded in the image file. Before allowing access to the image file by an application, the characteristics data from an image analysis can be compared to either or both of, characteristics information otherwise stored, or embedded characteristics data. The embedded data can optionally be encrypted. In example embodiments the data can include a result of an optical character recognition of contents of the document, a length of data describing the image, a percentage of a specified color of pixels in the image, or a checksum. Example embedding techniques can include those making use of a tagged image file format (TIFF) header, a steganographic watermark, or an image artifact.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for processing readable indicia for bill payment. An exemplary system is configured to: receive information associated with readable indicia associated with a bill; and process the readable indicia to initiate one or more options to schedule payment for the bill, wherein the one or more options comprise a first option to pay the bill immediately, a second option to schedule payment of the bill at a predetermined time in the future, and a third option to establish an electronic link to the merchant in order to schedule periodic payment of the bill.

Abstract: Token rules that facilitate determining whether to generate a token for use in a mobile transaction are stored in a memory. The memory also stores token criteria associated with a user. A processor, communicatively coupled to the memory, accesses the token rules and determines whether to generate the token by applying at least a portion of the token rules to the token criteria associated with the user. The token is generated upon a determination to generate the authorized token, and the token is generated before the mobile transaction begins. An interface, communicatively coupled to the processor, communicates the token to a mobile device associated with the user.

Abstract: Conducting mobile transactions comprises determining, using a processor, whether a network is available to facilitate a mobile transaction. An interface, communicatively coupled to the processor, receives an encrypted token from a mobile device without using the network if the network is not available. The processor is further operable to process the encrypted token to complete the mobile transaction.

Abstract: Security measures for tokens comprise storing security rules associated with a generated token in a memory. A processor, communicatively coupled to the memory, accesses the security rules associated with the generated token and determines whether to encrypt the generated token by applying at least a portion of the security rules to the generated token. The processor encrypts the generated token. An interface, communicatively coupled to the processor, communicates the encrypted token to a mobile device associated with a user.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for processing readable indicia for a payment claim. An exemplary system is configured to: receive information associated with readable indicia associated with a payment claim; receive authentication credentials associated with the payment claim; and process the readable indicia and the authentication credentials to authorize a payment associated with the payment claim.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for processing readable indicia for a rebate request. An exemplary system is configured to: receive information associated with readable indicia associated with a rebate request; and process the readable indicia to issue a rebate associated with a rebate request, wherein the rebate comprises issuance of a credit associated with a purchase previously made from the merchant.