Abstract: Methods and apparatus, including computer program products, for transactions associated with a mobile device are discussed. A method can include receiving a merchant identifier, sending an identification data, receiving a transaction, and processing a funds transfer. The receiving the merchant identifier is from a mobile device associated with a user registered with a central payment service. The identification data is associated with the user and the identification data includes multiple identifying data items. The transaction data details a transaction between the merchant and the user. The funds transfer is between the merchant and the user based on the transaction.

Abstract: Systems and methods for recommending merchant actions include a physical merchant location having a plurality of beacon devices. A system provider device receives a plurality of first location information from the plurality of beacon devices that is collected from a customer beacon communication device that is associated with a customer. The system provider device also receives a plurality of second location information over the network from the plurality of beacon devices that is collected from a merchant beacon communication device that is associated with an asset of the merchant. The system provider device analyzes the plurality of first location information and the plurality of second location information to determine at least one merchant action recommendation related to the customer and the asset of the merchant and provides the at least one merchant action recommendation over the network for display on a display device.

Abstract: Methods and apparatus, including computer program products, for transactions associated with a mobile device are discussed. A method can include receiving a merchant identifier, sending an identification data, receiving a transaction, and processing a funds transfer. The receiving the merchant identifier is from a mobile device associated with a user registered with a central payment service. The identification data is associated with the user and the identification data includes multiple identifying data items. The transaction data details a transaction between the merchant and the user. The funds transfer is between the merchant and the user based on the transaction.

Abstract: Methods and apparatus, including computer program products, for transactions associated with a mobile device are discussed. A method can include receiving a merchant identifier, sending an identification data, receiving a transaction, and processing a funds transfer. The receiving the merchant identifier is from a mobile device associated with a user registered with a central payment service. The identification data is associated with the user and the identification data includes multiple identifying data items. The transaction data details a transaction between the merchant and the user. The funds transfer is between the merchant and the user based on the transaction.

Abstract: Methods and systems for fault tolerant token based transactions are described. A user may perform a transaction with a mobile device. The mobile device may be in an offline mode or may be lacking a network connection to servers or cloud devices of a mobile payment system. The transaction may be processed through a transaction device, which may aid in the sending and receiving of transaction data while the mobile device is in the offline mode. The transaction device may communicate with the server or cloud device and the server or cloud device may process the transaction and communicate with the transaction device, which may forward data from the server or cloud device to the mobile device.

Abstract: Methods and apparatus, including computer program products, for transactions associated with a mobile device are discussed. A method can include receiving a merchant identifier, sending an identification data, receiving a transaction, and processing a funds transfer. The receiving the merchant identifier is from a mobile device associated with a user registered with a central payment service. The identification data is associated with the user and the identification data includes multiple identifying data items. The transaction data details a transaction between the merchant and the user. The funds transfer is between the merchant and the user based on the transaction.

Abstract: Methods and apparatus, including computer program products, for transactions associated with a mobile device are discussed. A method can include receiving a merchant identifier, sending an identification data, receiving a transaction, and processing a funds transfer. The receiving the merchant identifier is from a mobile device associated with a user registered with a central payment service. The identification data is associated with the user and the identification data includes multiple identifying data items. The transaction data details a transaction between the merchant and the user. The funds transfer is between the merchant and the user based on the transaction.

Abstract: Methods and systems for fault tolerant token based transactions are described. A user may perform a transaction with a mobile device. The mobile device may be in an offline mode or may be lacking a network connection to servers or cloud devices of a mobile payment system. The transaction may be processed through a transaction device, which may aid in the sending and receiving of transaction data while the mobile device is in the offline mode. The transaction device may communicate with the server or cloud device and the server or cloud device may process the transaction and communicate with the transaction device, which may forward data from the server or cloud device to the mobile device.

Abstract: Methods and apparatus, including computer program products, for transactions associated with a mobile device. A method includes, in a merchant device linked to a server by a first network, sending a registration to the server, sending a transaction message to the server, receiving a unique identifier from the server in response to the transaction message, broadcasting the unique identifier, in response to the broadcasted unique identifier, receiving instructions in the server from a mobile application residing in a memory of a mobile device over a second network, processing a transaction in response to the instructions, and notifying the merchant device of the processed transaction.

Abstract: Methods and apparatus, including computer program products, for transactions associated with a mobile device are discussed. A method can include receiving a merchant identifier, sending an identification data, receiving a transaction, and processing a funds transfer. The receiving the merchant identifier is from a mobile device associated with a user registered with a central payment service. The identification data is associated with the user and the identification data includes multiple identifying data items. The transaction data details a transaction between the merchant and the user. The funds transfer is between the merchant and the user based on the transaction.

Abstract: Methods and apparatus, including computer program products, for transactions associated with a mobile device. A method includes, in a merchant device linked to a server by a first network, sending a registration to the server, sending a transaction message to the server, receiving a unique identifier from the server in response to the transaction message, broadcasting the unique identifier, in response to the broadcasted unique identifier, receiving instructions in the server from a mobile application residing in a memory of a mobile device over a second network, processing a transaction in response to the instructions, and notifying the merchant device of the processed transaction.

Abstract: Methods and systems for generating a radio media plan for a radio advertiser. The approach may include storing rate card information of a plurality of radio media properties; storing information regarding radio audience reached by the radio media properties; storing information regarding the radio advertiser; generating a media plan for radio advertisements based on the rate card information, information regarding radio audience, and the information regarding the radio advertiser; and presenting the media plan to the radio advertiser for purchase. The radio advertisement may include a terrestrial broadcast commercial, and the media property may include a radio broadcaster. The media plan may include a list of radio stations.

Abstract: Methods and systems for generating an out-of-home media plan for an out-of-home advertiser. The approach may include storing information regarding advertising rates of a plurality of out-of-home media properties; storing information regarding out-of-home audience reached by the out-of-home media properties; storing information regarding the out-of-home advertiser; generating a media plan for out-of-home advertisements based on the advertising rates, information regarding out-of-home audience, and the information regarding the out-of-home advertiser; and presenting the media plan to the out-of-home advertiser for purchase. The out-of-home advertisement may include advertisement for a billboard, advertisement for an elevator, advertisement for a form of transportation, advertisement for a bus, or other advertisement.

Abstract: Methods and systems for generating a print media plan for a print advertiser. The approach may include storing information regarding advertising rates of a plurality of print media properties; storing information regarding print audience reached by the print media properties; storing information regarding the print advertiser; generating a media plan for print advertisements based on the advertising rates, information regarding print audience, the information regarding the print advertiser; and presenting the media plan to the print advertiser for purchase. The print advertisement may include advertisement placed in a magazine, advertisement placed in a newspaper, advertisement placed a directory, or an advertisement provided in direct mail.

Abstract: Methods and systems for providing customized advertisements; for example, including storing a set of templates of components of advertisements, the templates defining a set of media objects; receiving, over a computer network, information related to an advertiser; based on the information related to the advertiser, presenting to the advertiser, over the computer network, a list of a subset of the set of templates of at least components of advertisements; receiving from the advertiser a selection of a template from the list of the subset of the set of templates; playing the template that the advertiser selected, without custom information from the advertiser; prompting the advertiser to provide input to create a customized advertisement based on the selected template; and creating a customized advertisement from the selected template and the input provided by the advertiser. The method may include using an edit decision list to represent organization of objects in templates.

Abstract: Methods and systems for generating a television media plan for a television advertiser. The approach may include storing rate card information of a plurality of television media properties; storing information regarding television audience reached by the television media properties; storing information regarding the television advertiser; generating a media plan for television advertisements based on the rate card information, information regarding television audience, and the information regarding the television advertiser; and presenting the media plan to the television advertiser for purchase. The television advertisement may include a terrestrial broadcast commercial and the television media property may include a television broadcaster. The media plan may include a list of television stations. Alternatively, the television advertisement may include a cable television commercial, and television media property may comprise a cable operator.

Abstract: Methods and systems for generating an on-line media plan for an on-line advertiser. The approach may include storing information regarding advertising rates of a plurality of on-line media properties; storing information regarding on-line audience reached by the on-line media properties; storing information regarding the on-line advertiser; generating a media plan for on-line advertisements based on the advertising rates, information regarding on-line audience, the information regarding the on-line advertiser; and presenting the media plan to the on-line advertiser for purchase. The advertisement may include an advertisement placed on a web site, an advertisement sent by e mail, a rich media advertisement, or a click through advertisement.

Abstract: Methods and systems for providing a media plan for an advertiser. The approach may include storing rate card information of a plurality of media properties; storing information regarding audience reached by the media properties; storing information regarding the advertiser; generating a media plan based on the rate card information, information regarding audience, and the information regarding the advertiser; and presenting the plan to the advertiser for purchase. The media plan may include items such as: a set of media properties upon which advertisements will run; ranges of dates upon which the advertisements will run; parts of day at which the advertisements will run; and number of times the advertisements will run.

Abstract: A system determines whether to grants access to a network server by a user. Initially, a user attempts to gain access to a network server, such as a web server. Prior to granting access to the network server, the network server authenticates the user by sending an authentication request to an authentication server. The authentication server determines whether the user was already authenticated by the authentication server. If the user was already authenticated by the authentication server, then the network server is notified that the user is authenticated. The network server then grants the user access to the network server. If the user was not already authenticated by the authentication server, then login information is retrieved from the user and compared to authentication information maintained by the authentication server. If the retrieved login information matches the authentication information, then the network server is notified that the user is authenticated.

Abstract: A version number is associated with an encrypted key executable to allow real time updating of keys for a system which facilitates users signing on to multiple websites on different domains using an encrypted ticket. Two keys may be used at each site during updating of keys, each having an associated one digit Hex version tag. When a key is to be updated with a new key, the existing or old key is provided an expiration time. A second key is provided from the system in a secure manner with a new version number and made the current key which provides decryption of the encrypted ticket. The system tracks both keys while they are concurrent. After the existing key expires, only the second, or updated key is used to provide login services for users. The system periodically flushes old keys.