Abstract: Methods, systems, apparatuses, and computer readable media for facilitating reservation for a parking space with a near field communications (NFC)-enabled device are provided. A system can include an NFC-enabled parking meter associated with a parking space and a controller in communication with the NFC-enabled parking meter for measuring time and processing payment. A system can include an NFC-enabled device that upon interfacing with the NFC-enabled parking meter communicates with the controller to create a reservation of a parking space.

Abstract: Methods and systems for providing a universal, global, virtual wallet to merchant payment system adapter are provided. The present disclosure provides the physical and logical infrastructure to provide a universal interface between any type of payment or money transfer system and any payment acceptance system, and specifically bridges the gap between “wallets”, i.e., systems that transfer funds between users but can't be used with traditional card payment acceptance systems, and traditional card payment acceptance systems such as debit, credit, and prepaid cards, which may be a physical card that can be swiped, chip inserted, or NFC tapped. According to one aspect, a third-party server coordinates a transfer of funds from a user's wallet account directly to a merchant's debit card, which the merchant swipes at the POS terminal to complete the desired transaction.

Abstract: A method includes detecting the presence of a mobile device at a designated area and receiving a location identifier associated with the designated area and a mobile device user identifier associated with the mobile device at a backend server. The method further includes utilizing the location identifier to obtain local flavor content data, wherein the local flavor content data provides customized information specific to the designated area, providing the local flavor content data to the mobile device using the mobile device user identifier, and applying the local flavor content data to a generic application in the mobile device to generate a local flavor application that is customized for use at the designated area.

Abstract: According to one aspect, the subject matter described herein includes a system for performing secure mobile payment and non-payment transactions with integrated loyalty, rewards, and promotions. A mobile backend server (MBE) stores and maintains payment and non-payment account information for users, and presents a list of available payment and non-payment instruments to the user prior to the user's interaction with a merchant for shopping, item selection, or checkout. In response to detecting an interaction between the user and a merchant for shopping, item selection, or checkout, the MBE determines incentives that are available to the user, presents the available incentives to the user for selection prior to completion of a payment or non-payment transaction with the merchant, and determines which of the available incentives and payment instruments are selected by the user. The incentives and/or transaction amounts presented to the user are dynamically updated based on the user selection.

Abstract: Methods, systems, and computer readable media for detecting customer presence to initiate the ordering and purchase of goods and services are disclosed. In one example, a system includes a detection server configured to detect the presence of a mobile device in a designated area associated with a merchant location and for initiating a menu selection application in the mobile device for placing an order for at least one product. The system further includes a merchant server configured to receive, from the mobile device, purchase order data associated with the order for the at least one product, a customer identifier associated with the mobile device, and a location identifier associated with the designated area, and for utilizing the customer identifier to send a notification message that indicates that the at least one product is available to the mobile device.

Abstract: Methods, systems, and computer readable media for utilizing and provisioning an aggregated soft card are disclosed. One method includes receiving a request for an aggregated soft card from a mobile device, wherein the aggregated soft card includes a primary component soft card and at least one secondary component soft card. The method also includes requesting component soft card data associated with each of the primary component soft card and the at least one secondary component soft card from a plurality of issuing system servers. The method further includes generating aggregated soft card data by establishing a link among the component soft card data received from the plurality of issuing system servers and sending the aggregated soft card data to the mobile device.

Abstract: A method for conducting an electronic transaction that includes initiating an electronic transaction between a mobile device and a POS reader device and applying at least a user identifier that is associated with a user of the mobile device and shared secret data as inputs to a cryptographic function in the mobile device. The method further includes inserting the output of the cryptographic function into legacy transaction formatted data, wirelessly providing the legacy transaction formatted data to the POS reader device via the electronic transaction, forwarding the legacy transaction formatted data to the issuer server, and processing, at the issuer server, the legacy transaction formatted data to verify the user identifier and request authorization for the electronic transaction. The method also includes sending a notification message to the POS reader device that indicates that the electronic transaction is authorized and conducting the electronic transaction upon receipt of the notification message.

Abstract: A method includes identifying one or more stress regime types along at least a portion of a borehole, where the stress regime types are selected from a normal stress regime, a thrust stress regime and a strike-slip stress regime, and selecting reservoir access locations along the borehole based on the type of stress regime identified along the borehole.

Abstract: Methods, systems, and computer readable media for detecting customer presence to initiate the ordering and purchase of goods and services are disclosed. In one example, a system includes a detection server configured to detect the presence of a mobile device in a designated area associated with a merchant location and for initiating a menu selection application in the mobile device for placing an order for at least one product. The system further includes a merchant server configured to receive, from the mobile device, purchase order data associated with the order for the at least one product, a customer identifier associated with the mobile device, and a location identifier associated with the designated area, and for utilizing the customer identifier to send a notification message that indicates that the at least one product is available to the mobile device.

Abstract: Methods, systems, and computer readable media for facilitating in-store or near-store ordering and payment of goods and/or services through a single tap of a near field communication (NFC) device are disclosed. In one embodiment, a system can include a smart poster locatable in an area that is accessible to a potential consumer of goods or services. The system can further include a mechanism in or on the smart poster for directing the NFC enabled device to access a portion of a merchant ordering and payment system specific to the good or service advertised by the smart poster. The system can further include a wallet application residing on the NFC enabled device that upon interfacing with the smart poster downloads, submits, and pays for an order of the good or service advertised by the smart poster via the single NFC tap.

Abstract: Methods and systems for performing an advertisement-based electronic transaction using a mobile device are provided herein. According to one aspect, the subject matter described herein comprises a system for performing an advertisement-based electronic transaction using a mobile device. The system comprises a database for storing and maintaining payment information for mobile users and a mobile backend server that receives, from a mobile device of a user, first information about an item or transaction, wherein the mobile device received the first information from an advertisement available to the mobile device, and second information about the user, that processes the first and second information to determine transaction information and to generate payment information, and that sends the transaction and payment information to a payment network for processing the ecommerce transaction.

Abstract: Methods, systems, and computer readable media for enabling a downloadable service to access components in a mobile device are disclosed. According to one aspect, a system comprises a mobile device that includes a mobile wallet application configured to determine at least one hardware component or software component provisioned on the mobile device and to generate a capabilities object containing information identifying the at least one hardware or software component. The system further includes a network server supporting a downloadable service configured to receive the capabilities object from the mobile device, to generate personalized downloadable service content based on the information in the received capabilities object, to provide the personalized web page content to the mobile device, wherein the personalized downloadable service content is configured to access the at least one hardware component or software component on the mobile device.

Abstract: Methods and systems for performing an advertisement-based electronic transaction using a mobile device are provided herein. According to one aspect, the subject matter described herein comprises a system for performing an advertisement-based electronic transaction using a mobile device. The system comprises a database for storing and maintaining payment information for mobile users and a mobile backend server that receives, from a mobile device of a user, first information about an item or transaction, wherein the mobile device received the first information from an advertisement available to the mobile device, and second information about the user, that processes the first and second information to determine transaction information and to generate payment information, and that sends the transaction and payment information to a payment network for processing the ecommerce transaction.

Abstract: Methods and systems for dynamically presenting various financial and non-financial incentives to drive the use of merchant-preferred payment and non-payment options at the time of performing an electronic transaction are provided. Prior to completion of the electronic transaction between a customer and a merchant, first and second sets of incentives associated with the electronic transaction are determined, the incentives being associated with respective payment or non-payment transaction options. First and second information, based on the first and second set of incentives, respectively, are determined and presented to the customer. The information may include incentives, undiscounted totals, and/or discounted totals. The order for displaying the information is dynamically determined. Upon selection of the information by the customer, the electronic transaction will be completed using the transaction option that is associated with the selected information.

Abstract: According to one aspect, the subject matter described herein includes a system for performing secure mobile payment and non-payment transactions with integrated loyalty, rewards, and promotions. The system includes a mobile backend server that stores and maintains private information, including sensitive or confidential information, of a user of a mobile device and that can provide the private information to other entities via secure communication channels so that the user can engage in electronic transactions involving that private information without having to pass private information over a mobile device or other insecure channels. The mobile backend server detects the presence of the user at or near a merchant's physical point of sale and notifies the merchant of the presence and/or identity of the user. The mobile backend server provides a communication path between the merchant and the user so that the merchant and user can engage in pre-payment activity.

Abstract: According to yet another aspect, the subject matter described herein includes a system for generating and completing a direct M2B ecommerce transaction using a mobile device. The system includes a database for storing and maintaining payment information for mobile users. The system also includes a mobile backend server that receives, from a mobile device of a user, first information about an item or transaction, where the mobile device received the first information from a source physically proximate to the mobile device, and second information about the user, that processes the first and second information to determine transaction information and to generate payment information, and that sends the transaction and payment information to a payment network for processing the ecommerce transaction.

Abstract: Methods and systems for communicating item information between merchant equipment for scanning or selecting the item and a customer's mobile device are provided. According to one aspect, a method for communicating item information between merchant equipment for scanning or selecting the item and a customer's mobile device includes, at a mobile device of a customer: receiving information for identifying merchant equipment for scanning or selecting an item; using the received information to establish a digital communication connection between the mobile device and the identified merchant equipment; and receiving information related to an item being scanned by the merchant equipment via the digital communication connection.

Abstract: According to one aspect, the subject matter described herein includes a system for providing an entity with the ability to control behaviors and capabilities of accounts of the entity on a per-user basis. The system includes a database for associating the entity with at least one account and for storing entity-defined and user-defined preferences that control behaviors and capabilities of the entity's accounts and/or account transactions on a per-user basis. The system also includes a mobile backend server that operates as a conduit or intermediary for electronic financial or non-financial transactions of the entity and that applies to the transactions the preferences that control behaviors and capabilities of the entity's accounts on a per-user basis prior to processing by a payment transaction network.

Abstract: The subject matter described herein includes methods, systems, and computer readable media for virtual card transfer between near field communications (NFC)-enabled mobile devices. According to one aspect, a method for over-the-air (OTA) virtual card transfer between NFC-enabled mobile devices is disclosed. The method includes receiving, at an OTA provisioning server, a virtual card, from a sending mobile device, that is intended for a receiving mobile device. The virtual card is provisioned, over the air, to the receiving mobile device, where the virtual card is immediately presentable by the receiving mobile device at a point of sale terminal.

Abstract: Methods, systems, apparatuses, and computer readable media for facilitating reservation for a parking space with a near field communications (NFC)-enabled device are provided. A system can include an NFC-enabled parking meter associated with a parking space and a controller in communication with the NFC-enabled parking meter for measuring time and processing payment. A system can include an NFC-enabled device that upon interfacing with the NFC-enabled parking meter communicates with the controller to create a reservation of a parking space.