Abstract: Payment processing is described that uses two-portion tokens at a point-of-service. In one example, a service-provider computer receives a request to stage an order for a merchant computer from a customer mobile device. The service-provider computer generates a token having (1) a first portion encoded in the token representing first information not specific to the order including a designation of an overall fee to be provided by a customer including a payment to the merchant computer for the order and a portion of the overall fee to be provided to a point-of-service and (2) a second portion encoded in the token representing second information specific to the order. The token is transmitted to the mobile for display and payment at a point-of-service. The point-of-service confirms receipt of payment and of the token.

Abstract: Disclosed herein are systems and methods for converting barcodes to facilitate fast and convenient payments. In one embodiment, the systems and methods are for imaging a first barcode having a first barcode format; determining a second barcode format used at a point-of-service; converting the first barcode to a second barcode in the second format; and generating an image of the second barcode.

Abstract: Disclosed herein are systems and methods for validating transactions between a remote merchant system and an end-user terminal. In general, transaction information is received at a service provider regarding a transaction between the merchant system and an end user terminal, that includes transaction instructions on what actions need to be performed by the end user terminal in order for the merchant system to complete the transaction. The service provider generates a token ID that does not include a transaction identification nor a merchant system identification, but is linked to stored transaction instructions. The token ID is received from a remote point-of-sale (POS) terminal with presentment information that is validated against the transaction instructions to complete the transaction.

Abstract: Payment processing is described that uses two-portion tokens at a point-of-service. In one example, a service-provider computer receives a request to stage an order for a merchant computer from a customer mobile device. The service-provider computer generates a token having (1) a first portion encoded in the token representing first information not specific to the order including a designation of an overall fee to be provided by a customer including a payment to the merchant computer for the order and a portion of the overall fee to be provided to a point-of-service and (2) a second portion encoded in the token representing second information specific to the order. The token is transmitted to the mobile for display and payment at a point-of-service. The point-of-service confirms receipt of payment and of the token.

Abstract: A system, method and apparatus for payment processing using dynamic barcodes is provided. In an embodiment, a method is provided. The method includes receiving a request to stage an order, including information identifying a merchant. The method further includes determining current order information for the merchant. The method also includes producing a token identifier for the order. The token identifier includes an item code and a ticket identifier. The item code identifies or references an economic understanding for the order. Additionally, the method includes staging the order within a system to allow for completion of the order later in time. The order completes through notification of payment to a POS terminal by a consumer and fulfillment of the order by the merchant. The method further includes sending the token identifier to the merchant. The token identifier is to be provided to the consumer for use by the consumer in paying for the order at the POS terminal.

Abstract: Disclosed herein are systems and method for facilitating transactions between a merchant-partner and a customer. In general, the systems and methods include: (a) staging a transaction between the merchant-partner and the customer; (b) tokenizing the transaction by linking one or more transaction instructions to a token ID; (c) providing the customer with the token ID, wherein the customer can then present the token ID and a payment to a point-of-sale terminal; (d) receiving confirmation that the customer has presented, to a point-of-sale terminal, the token ID and a payment in accordance with the one or more transaction instructions; (e) notifying the merchant-partner that the customer provided the payment to the point-of-sale terminal; and (f) settling the transaction between the point-of-sale terminal and the merchant-partner.

Abstract: A system, method and apparatus for payment processing using dynamic barcodes is provided. In an embodiment, a method is provided. The method includes receiving a request to stage an order, including information identifying a merchant. The method further includes determining current order information for the merchant. The method also includes producing a token identifier for the order. The token identifier includes an item code and a ticket identifier. The item code identifies or references an economic understanding for the order. Additionally, the method includes staging the order within a system to allow for completion of the order later in time. The order completes through notification of payment to a POS terminal by a consumer and fulfillment of the order by the merchant. The method further includes sending the token identifier to the merchant. The token identifier is to be provided to the consumer for use by the consumer in paying for the order at the POS terminal.

Abstract: A system and method is provided for payment processing with restricted receipt information. In an embodiment, a method is also provided. The method includes receiving a request for billing information from a POS (point-of-sale) terminal at a payment processor for a customer to pay a merchant at the POS terminal. The method further includes providing billing information to the POS terminal. The billing information includes a bill amount and an additional fee amount. The billing information further includes a predetermined code to be included on a receipt from the POS terminal. Matching of the predetermined code on the receipt of the customer and the token document provides proof of payment for the order. The method also includes receiving confirmation of payment from the POS. The method further includes sending payment information to the merchant about the customer payment.

Abstract: A system, method and apparatus for payment processing using dynamic barcodes is provided. In an embodiment, a method is provided. The method includes receiving a request to stage an order, including information identifying a merchant. The method further includes determining current order information for the merchant. The method also includes producing a token identifier for the order. The token identifier includes an item code and a ticket identifier. The item code identifies or references an economic understanding for the order. Additionally, the method includes staging the order within a system to allow for completion of the order later in time. The order completes through notification of payment to a POS terminal by a consumer and fulfillment of the order by the merchant. The method further includes sending the token identifier to the merchant. The token identifier is to be provided to the consumer for use by the consumer in paying for the order at the POS terminal.

Abstract: Disclosed herein are systems and methods for converting barcodes to facilitate fast and convenient payments. In one embodiment, the systems and methods are for imaging a first barcode having a first barcode format; determining a second barcode format used at a point-of-service; converting the first barcode to a second barcode in the second format; and generating an image of the second barcode.

Abstract: Disclosed herein are systems and method for facilitating transactions between a merchant-partner and an end-user (e.g., a customer of the merchant-partner). More specifically, presented herein are pricing systems and methods for establishing and staging transactions between a point-of-sale terminal, one or more merchant-partners, and a service provider.

Abstract: Disclosed herein are systems and method for facilitating money transfer transactions between a sender and a recipient. In general, the systems and methods include: (a) a point-of-service terminal (POS) receiving an initiation payment from a sender; (b) a pre-funded account that receives replenish payments from the POS; (c) a money transmitter terminal that receives a funding payment from the pre-funded account, and provides a fulfillment payment to a recipient; and (d) a centralized service provider linking the POS, the pre-funded account, and the money transmitter. In operation, the centralized service provider (1) receives presentment data, from the POS, indicating that the sender has provided the initiation payment at the POS, (2) provides a computerized notification to the money transmitter, instructing the money transmitter to provide the fulfillment payment to the recipient, and (3) facilitates the replenishment of the pre-funded account.

Abstract: Disclosed herein are systems and methods for facilitating retail promotions. The systems and methods disclosed generally include: (a) defining terms of a retail promotion; (b) identifying whether a consumer has acted in accordance with the terms of the retail promotion; and (c) authorizing a tender presented by the consumer, based on whether the consumer has acted in accordance with the terms of the retail promotion. The disclosed systems and methods have wide ranging applicability, including (non-exclusively): (1) allowing a brand company to initiate localized promotions at a point-of-sale retailer; (2) allowing a point-of-sale retailer to initiate localized promotions; and/or (3) allowing a point-of-sale retailer to build a customer database and build customer loyalty, without having to make significant changes to their point-of-sale terminal infrastructure.

Abstract: Disclosed herein are systems and methods for facilitating retail promotions. The systems and methods disclosed generally include: (a) defining terms of a retail promotion; (b) identifying whether a consumer has acted in accordance with the terms of the retail promotion; and (c) authorizing a tender presented by the consumer, based on whether the consumer has acted in accordance with the terms of the retail promotion. The disclosed systems and methods have wide ranging applicability, including (non-exclusively): (1) allowing a brand company to initiate localized promotions at a point-of-sale retailer; (2) allowing a point-of-sale retailer to initiate localized promotions; and/or (3) allowing a point-of-sale retailer to build a customer database and build customer loyalty, without having to make significant changes to their point-of-sale terminal infrastructure.

Abstract: Disclosed herein are systems and method for facilitating transactions between a merchant-partner and an end-user (e.g., a customer of the merchant-partner). More specifically, presented herein are systems and methods for settling a transaction between a point-of-sale terminal and a merchant-partner, wherein the point-of-sale terminal receives presentment of a payment for the merchant-partner from an end-user.

Abstract: Disclosed herein are systems and method for facilitating transactions between a merchant-partner and a customer. In general, the systems and methods include: (a) staging a transaction between the merchant-partner and the customer; (b) tokenizing the transaction by linking one or more transaction instructions to a token ID; (c) providing the customer with the token ID, wherein the customer can then present the token ID and a payment to a point-of-sale terminal; (d) receiving confirmation that the customer has presented, to a point-of-sale terminal, the token ID and a payment in accordance with the one or more transaction instructions; (e) notifying the merchant-partner that the customer provided the payment to the point-of-sale terminal; and (f) settling the transaction between the point-of-sale terminal and the merchant-partner.

Abstract: Disclosed herein are systems and method for facilitating transactions between a merchant-partner and a customer. In general, the systems and methods include: (a) staging a transaction between the merchant-partner and the customer; (b) tokenizing the transaction by linking one or more transaction instructions to a token ID; (c) providing the customer with the token ID, wherein the customer can then present the token ID and a payment to a point-of-sale terminal; (d) receiving confirmation that the customer has presented, to a point-of-sale terminal, the token ID and a payment in accordance with the one or more transaction instructions; (e) notifying the merchant-partner that the customer provided the payment to the point-of-sale terminal; and (f) settling the transaction between the point-of-sale terminal and the merchant-partner.