Abstract: An enhanced smart refrigerator (ESR) for automatically populating a virtual shopping cart is provided. The ESR stores a purchase log including a purchase history of a target product. The ESR determines a current interval between a most recent delivery date and a proposed next delivery date based on the purchase history of the target product, and calculates a purchase propensity for the target product based on the current interval and the purchase history of the target product, and automatically adds the product to the virtual shopping cart for submission to a party for purchase of the target product if the purchase propensity meets a first criteria.

Abstract: A method for processing a personalized gift card transaction includes: receiving a gift card request from a consumer associated with a payment account, the request including a usage amount, a plurality of merchant identifiers, an account identifier associated with the payment account, and a message; identifying a personalized gift card number; storing a gift card data entry including the personalized gift card number, usage amount, plurality of merchant identifiers, account identifier, and message; transmitting the personalized gift card number; receiving an authorization request for a financial transaction not involving the consumer, the request including the personalized gift card number, a transaction amount, and at least one merchant identifier of the plurality of merchant identifiers; processing the financial transaction including updating, in the database, the usage amount of the gift card data entry based on the transaction amount; and transmitting the message to a recipient of the personalized gift ca

Abstract: A method of transaction between a mobile payment device and a vending machine is described, together with a system and elements of a system supporting such a method of transaction. The method comprises establishing wireless contact between the mobile payment device and the vending machine. Vending machine transaction details are established between the mobile payment device and the vending machine. These vending machine transaction details are sent to a vending platform associated with a payment infrastructure where the vending machine transaction is authorised. The vending platform then provides an authorisation token for the vending machine transaction, allowing the vending machine to enable vending when the authorisation token has been received.

Abstract: A method for providing insight metrics for transaction behavior includes: storing account profiles, each including a profile identifier and transaction data entries including transaction data related to a payment transaction; receiving a first data file including a specific identifier associated with a specific merchant and an account identifier of a group of one or more account identifiers; identifying, for each account identifier of the group, a related account profile based on a correspondence between the profile identifier and the respective account identifier; identifying metric values for each identified account profile, wherein each metric values is associated with a desired metric and is based on the transaction data included in each transaction data entry included in the respective account profile; generating a second data file including at least the account identifier corresponding to each identified account profile; and transmitting the generated second data file.

Abstract: A method for indirectly controlling a website using a user communication device is disclosed. A unique machine-readable code is displayed on a display device, the unique machine-readable code being specific to the display device displaying contents from a website through a server. The unique machine-readable code is readable by a user communication device, the user communication device in turn being able to communicate with the server through a communication path not involving an input device associated with the display device. Commands to control content displayed through the server are received from the user communication device. The commands include the identity of the specific display device by the displayed unique machine readable code. The content displayed on the specific display device is then changed accordingly.

Abstract: Smart appliance processing systems and methods for enabling dynamic control and management of electronically stored consumables inventories are provided. A smart server acquires electronically from a merchant product data concerning one or more consumables acquired at the merchant during one or more purchase transactions conducted by a customer in association with an identifier of the customer. Based on mapping data maintained by the smart server, the smart server matches the identifier with a respective client smart appliance system of the customer. The smart server then transmits electronically the product data towards the client smart appliance system for updating an electronic consumables inventory maintained by the client smart appliance system for the first customer.

Abstract: A method including receiving a query request for a registration status of a payment account number (PAN) with an electronic receipt service; determining, in reply to the query request, whether the PAN is registered with the electronic receipt service; determining an electronic receipt handling option associated with the PAN; and sending a response including at least an electronic receipt destination address, the electronic receipt destination address being an address to which an electronic receipt associated with the PAN of the query request is to be sent.

Abstract: A method for intelligently aggregating payment transactions based on consumer trustworthiness includes: storing an account profile, the profile including data related to a consumer including an account identifier, payment details, and a trustworthiness score; identifying a period of time for transaction aggregation based on the trustworthiness score included in the account profile; receiving transaction data for a plurality of payment transactions, the transaction data for each transaction including the account identifier, a transaction amount, and a transaction time and/or date; aggregating the transaction amount included in the transaction data in each payment transaction of the plurality of payment transactions where the included transaction time and/or date is within the identified period of time; and transmitting the aggregated transaction amount and the payment details included in the account profile for use in processing an aggregated payment transaction.

Abstract: A method including receiving a query request for a registration status of a payment account number (PAN) with an electronic receipt service; determining, in reply to the query request, whether the PAN is registered with the electronic receipt service; determining an electronic receipt handling option associated with the PAN; and sending a response including at least an electronic receipt destination address, the electronic receipt destination address being an address to which an electronic receipt associated with the PAN of the query request is to be sent.

Abstract: A system for processing accounts includes a database configured to store a plurality of accounts, the accounts including a consumer account associated with a consumer and a plurality of merchant accounts including a transacting merchant account associated with a merchant, wherein at least one account includes an amount of a virtual currency associated with the account. The system further includes a processor configured to process a financial transaction, wherein the transaction includes the consumer and the merchant, is for a specified amount of virtual currency, and processing the transaction includes transferring the specified amount of virtual currency from the consumer account to the transacting merchant account. The processor is further configured to process the at least one account, wherein processing the at least one account includes converting the associated amount of virtual currency to or from a real currency when the at least one account meets a predetermined criteria.

Abstract: A method and system for transmitting payment credentials that are related to a payment account and include at least an account number associated with the related payment account. Machine-readable code is encoded with the set of payment credentials related to the indicated payment account and is displayed on a second display of the mobile communication device. The second screen can be a low-power display, such as electrophoretic display, and the machine readable code can be selectively or continuously displayed.

Abstract: A voice-controlled computer system comprising a headset with a heads up display (HUD). When the system requires a user to verbally enter a character of an alphanumeric security code the system presents to the user on the HUD a plurality of different pairs of alphanumeric characters each containing a first character and an associated (pseudo) randomly generated second character. The first character of one pair is the code character to be entered, but for security reasons the user is required to verbally enter the second character associated with the code character, not the code character itself. The system deciphers verbal entry of the associated second character as equivalent to entry of the first character.

Abstract: According to one embodiment of the present disclosure, there is provided a method for receiving an electronic receipt of an electronic payment transaction into a mobile device, the method comprising: storing, into an installed application in the mobile device used to perform the electronic payment transaction, a unique transaction identity issued on the electronic payment transaction; generating, in a server, an electronic receipt issued on the electronic payment transaction; verifying that the electronic receipt matches against the unique transaction identity stored in the installed application; and receiving the electronic receipt into the mobile device in response to the verifying step determining that the electronic receipt matches against the unique transaction identity stored in the installed application.

Abstract: Disclosed herein is a method for outputting information on a display of a mobile device 104, the method comprising: transmitting, by the mobile device 104, a request to a server for one or more tokens; receiving, by the mobile device 104, one or more tokens from the server; generating, by the mobile device 104, a single use code in dependence on a received token; generating, by the mobile device 104, code data by encoding information, wherein said information is for use in a transaction and comprises the generated single use code, an identification number and/or expiry information; and displaying, by the mobile device 104, an image corresponding to the code data on a display of the mobile device 104. Advantageously, the mobile device securely obtains and generates information for outputting on a display of the mobile device. The information can be transferred from the mobile device by reading an image, corresponding to the information, that is displayed by the mobile device.

Abstract: A method for processing a personalized gift card transaction includes: receiving a gift card request from a consumer associated with a payment account, the request including a usage amount, a plurality of merchant identifiers, an account identifier associated with the payment account, and a message; identifying a personalized gift card number; storing a gift card data entry including the personalized gift card number, usage amount, plurality of merchant identifiers, account identifier, and message; transmitting the personalized gift card number; receiving an authorization request for a financial transaction not involving the consumer, the request including the personalized gift card number, a transaction amount, and at least one merchant identifier of the plurality of merchant identifiers; processing the financial transaction including updating, in the database, the usage amount of the gift card data entry based on the transaction amount; and transmitting the message to a recipient of the personalized gift ca

Abstract: A system for processing accounts includes a database configured to store a plurality of accounts, the accounts including a consumer account associated with a consumer and a plurality of merchant accounts including a transacting merchant account associated with a merchant, wherein at least one account includes an amount of a virtual currency associated with the account. The system further includes a processor configured to process a financial transaction, wherein the transaction includes the consumer and the merchant, is for a specified amount of virtual currency, and processing the transaction includes transferring the specified amount of virtual currency from the consumer account to the transacting merchant account. The processor is further configured to process the at least one account, wherein processing the at least one account includes converting the associated amount of virtual currency to or from a real currency when the at least one account meets a predetermined criteria.

Abstract: A system for processing accounts includes a database configured to store a plurality of accounts, the accounts including a consumer account associated with a consumer and a plurality of merchant accounts including a transacting merchant account associated with a merchant, wherein at least one account includes an amount of a virtual currency associated with the account. The system further includes a processor configured to process a financial transaction, wherein the transaction includes the consumer and the merchant, is for a specified amount of virtual currency, and processing the transaction includes transferring the specified amount of virtual currency from the consumer account to the transacting merchant account. The processor is further configured to process the at least one account, wherein processing the at least one account includes converting the associated amount of virtual currency to or from a real currency when the at least one account meets a predetermined criteria.

Abstract: A method for updating a limited redemption coupon includes: storing, in a database, at least one coupon record for at least one coupon, wherein the at least one coupon record includes at least a limitation on redemption associated with the at least one coupon; updating, in the database, the limitation on redemption associated with the at least one coupon in response to a limiting event; and transmitting, by a transmitting device, the updated limitation on redemption associated with the at least one coupon to at least one mobile communication device for display on the at least one mobile communication device.

Abstract: A method for displaying product details on a consumer device includes: preparing digital media for display on the device; detecting whether the digital media includes at least one product available for purchase; receiving a plurality of product data sets, each set associated with a product identifier and product details for an available product, the product details including information to initiate a transaction for the product; identifying an index of products in the digital media, the index including for each product a display location and a product identification number; receiving an indication from a user identifying a selected product in the digital media based on a display location in the digital media of the product and/or selection from a listing of the product in the index; retrieving product details for the product based on the product identification number and the product identifier; and displaying the retrieved product details.

Abstract: A system for online authentication using a payment card processing system, the system comprises: a managing computer system of a payment card service provider, the managing computer system having a memory device capable of storing data associating identifying information of individual customers with payment card accounts, and a computer processor configured to: receive a request for personal information of a customer on a relying party website, and wherein the relying party website is a member of the payment card processing system; request and receive identifying information of the customer for at least one payment card of the customer; present at least one authentication question to the customer to validate the customer; and validate the customer upon receipt of at least one correct answer to the at least one authentication question.