Abstract: Devices, methods and computer program are defined that provide for notifying (e.g., alerting) users of mobile devices as to suggested payment types accepted by the merchant at which the user is located. The suggested payment type may be one that is favorable or beneficial to the user in terms of discounts/rebates, transaction fee reduction, rewards points transaction processing security and/or extended warranty coverage for items transacted and/or the like. As a result the user makes informed decisions on which payment type to use for an impending transaction at the merchant.

Abstract: In general terms, embodiments of the present invention relate to apparatuses, methods, and computer program products for electronic identification and notification of banking record discrepancies associated with the use of mobile wallet functionality. For example, in some embodiments, an apparatus is provided that comprises a communication device, and a processing device communicable coupled to the communication device, wherein the processing device is configured to (a) receive mobile wallet information from a mobile computing device of the user, wherein the mobile computing device features mobile wallet functionality; (b) compare the mobile wallet information to bank records of the user; (c) determine, based at least partially on the mobile wallet information, whether there is a discrepancy associated with the user's account; and (e) present an indication of whether there is a discrepancy associated with the user's account.

Abstract: Embodiments of the present invention allow a user to use multiple different payment vehicles in a single transaction to purchase a variety of different items wherein the different payment vehicles are chosen because of favorable payment terms associated with a category assigned to the item by receiving information about a transaction, assigning the items in the transaction to at least one category, determining a payment vehicle to use in completing the transaction for each item and using the communication device to transmit to the transaction device the information related to the payment vehicles determined for use in completing the transaction for each item.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for presenting one or more offers to a user during a shopping experience including the steps of receiving an input that the user has entered a store, receiving product identifiers, comparing the product identifiers to the at least one rule, determine the one or more offers for one or more products associated with the product identifiers to the at least one rule, presenting to the user, via a user interface, the one or more offers for the one or more products before the user enters the point of transaction area of the store, receiving an input from the user accepting the one or more offers; and transmitting acceptance of the one or more offers by the user to at least one of a financial institution of the user or the merchant.

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for providing a social media offer system to users. The system determines that a primary user is eligible for an offer; identifies a social media site of the primary user; provides the offer to the primary user through the social media site; receives instructions from the primary user to share the offer with at least one secondary user; and shares the offer with the secondary user based on the instructions received from the primary user. The system allows users to establish hierarchies and criteria for whom should receive the offers, how the offers should be provided to the user's social media sites, and whether the offers may be shared with others.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for presenting one or more offers to a user during an online shopping experience including the steps of receiving an input that the user has initiated the online shopping experience, receiving one or more product identifiers, comparing the one or more product identifiers to at least one rule, determining the one or more offers for one or more products associated with the one or more product identifiers, presenting to the user, via a user interface, the offer for the product before the consumer enters the point of transaction area of the store, receiving an input from the user accepting the one or more offers; and transmitting acceptance of the one or more offers by the user to at least one of a financial institution of the user or the merchant.

Abstract: Systems, methods, and computer program products are provided for pre-processing a sales return. The system may initiate a sales return transaction prior to a customer being physically present at a merchant store. To this extent, the system is also capable of transmitting sales return information to a merchant such that the consumer's presence is not necessary in order to process a sales return transaction. Merchants and Consumers may use QR codes to both process payments for sales transactions and initiate sales return transactions.

Abstract: Systems, methods, and computer program products are provided for pre-processing a sales return. The system may initiate a sales return transaction prior to a customer being physically present at a merchant store. To this extent, the system is also capable of transmitting sales return information to a merchant such that the consumer's presence is not necessary in order to process a sales return transaction. Merchants and Consumers may use QR codes to both process payments for sales transactions and initiate sales return transactions.

Abstract: Embodiments of the invention include systems, methods, and computer-program products for providing an expedited presentment, registration, processing, and using offers and/or loyalty accounts at a point-of-transaction. The system may determine when a user is initiating a transaction at a point-of-transaction associated with a merchant. After the user has initiated the transaction, he/she may be presented with a detectable indicia at the point-of-transaction. An image of the indicia may be captured or scanned by the user via his/her user device. The captured indicia may provide the user with available offers and/or loyalty account or a communication link to receive available offers and/or loyalty accounts. Upon user selection, the available offers and/or loyalty accounts may be applied to the user's current transaction.

Abstract: Systems, methods, and computer program products are provided provide for notifying customers, post-transaction, of additional payment types accepted by the merchant and, in some embodiments, an option to change the payment type to one of the additional payment types. As such, the present invention serves to make the customer aware of new and emerging payment types, such as specific mobile payment types, that the customer may otherwise be unaware of their acceptance by the merchant. In addition, the merchant may provide and notify the customer of benefits (e.g., discounts, rebates/cash-back or the like) for using one of the additional payment types for a future transaction, thereby, enticing the customer to use the new and emerging payment type.

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for providing a social media offer system to users. The system assists users in determining whether the users are eligibly for offers provided through social media. In some situations, the system also facilitates eligibility by assisting the user in qualifying for the offer. The system determines that a primary user shared an offer with a secondary user; determines an identity of the secondary user; and determines whether the secondary user is eligible for the offer based on the identity of the secondary user. If the secondary user is not eligible, the system provides information to the secondary user, such as instructions in how to become eligible.

Abstract: Systems, methods, and computer program products are provided for automatic activation of mobile payment mechanisms (e.g., software applications, devices/hardware and the like) on a mobile communication device in response to automated determination of the mobile payment types accepted by a merchant at which the user/consumer is located. As such, the present invention serves to automatically make the user/consumer aware of an option for mobile payment. In addition, the mobile payment transaction is made more efficient, in that, the user/consumer does not have to manually configure and/or activate the software or hardware associated with the mobile payment type.

Abstract: A rub rail system for a vessel including a rigid track extrusion attached to a vessel, a resilient flexible fender extrusion, and a shock absorbing inner core. The inner core is disposed in the fender extrusion and the core is substantially softer than the fender extrusion. The fender extrusion is configured to matingly engage the track extrusion. The fender extrusion has an upper barb engaging an upper receiving cavity of the track extrusion and a lower barb engaging a lower receiving cavity of the track extrusion. The track extrusion has an upper tang engaging an upper recess of the fender extrusion and a lower tang engaging a lower recess of the fender extrusion. The track extrusion also includes an upper lip configured to engage a top portion of the perimeter of the vessel and a lower lip configured to engage a lower portion of the perimeter of the vessel.

Abstract: Embodiments of the invention include systems, methods, and computer-program products that provide for a unique system for controlling transactions based on command gestures. In one embodiment of the invention, a computer-implemented method determines that a user is conducting a transaction with a mobile device. The mobile device senses a gesture performed by the user with the mobile device and alters at least one aspect of the transaction based on the gesture. The gestures can control a wide variety of aspects of the transaction. For example, the user may flag an item for review during the transaction, silence the transaction, receive a subtotal for the transaction, select a payment method, or complete the transaction. In an embodiment, the user is able to customize the gestures to control the transaction according to the user's preferences.

Abstract: Embodiments of the invention include systems, methods, apparatuses, and computer-program products that provide shopping plan optimization. In one embodiment of the invention, information associated with a shopping plan is retrieved by the system; the shopping plan may include a grocery or other shopping list. The system compares the information associated with the shopping plan to a database. The database may include information associated with a plurality of merchants and businesses. The system optimizes the shopping plan based at least partially on the comparison of the information associated with the shopping plan to the database. In an embodiment, the system optimizes the shopping by determining an efficient travel route based on the products and/or items in the shopping plan.

Abstract: Embodiments of the invention include systems, methods, and computer-program products that provide for an enhanced mobile application for assisting users at a point-of-transaction (POT). In one embodiment of the invention the POT assistance application program may determines that a user is conducting a transaction with a merchant. The user may utilize a user device to assist in the transaction. First, the user device may be paired with a POT system, such as a cash register. Once the devices are paired a communication link is created that allows the user to audibly and/or visually monitor the transaction using the user device. Furthermore, the user may flag an item for review during the transaction, silence the transaction, receive a subtotal for the transaction, select a payment method, or complete the transaction using the POT assistance application program.

Abstract: Embodiments of the invention include systems, methods, and computer-program products that provide for a unique directional wayfinding system. In one embodiment of the invention, products are received from the user, such as a shopping list or wish list. The system determines the location of the user, determines the location of the product in the business, determines a route from the user to the product, and provides instructions to the user along the route. In an embodiment, the system identifies and/or confirms the product when the user reaches the product. In at least one embodiment, the systems, methods, and computer-program products provide functionality for the visually-impaired to assist in everyday shopping for products in businesses.

Abstract: Embodiments of the present invention provide currency solutions for the visually impaired by, for example, providing automated teller machines (ATMs) or other cash dispensers configured to dispense folded bills to the customer. The bills are folded based on denomination to allow the customer receiving the bills from the cash dispenser to be able to identify the denomination of each bill. In some embodiments, the cash dispenser is configured to automatically identify whether the customer prefers to receive folded bills and, in some embodiments, the cash dispenser is configured to fold and dispense bills according to customer preferences.

Abstract: A method for effecting transfer of a payment amount to a merchant during a transaction between a customer and the merchant includes determining, using a processing device, a funds shortfall, accessing a funds sharing network comprising a plurality of users, identifying one or more of the users of the funds sharing network, requesting funds from the identified one or more users, and applying funds received from the one or more users to the funds shortfall. In some embodiments, identifying one or more of the users includes determining whether one or more of the users are indebted to the customer, determining levels of connection between two or more of the users and the customer, and developing a hierarchy of users based on the indebted users and the levels of connection.

Abstract: Embodiments of the invention allow a user to create a virtual shopping list that is used to identify offers for products in which the user is interested. The shopping list may be one single list or may be broken down into categories, in order to group like products together or group products together that can be purchased at one or more locations near each other. The shopping list may be transmitted to one or more businesses, such that the businesses may submit bid requests, in a reverse bid auction, for the one or more products on the shopping list. The best bids of the one or more businesses may be returned to the user. The bids may be identified as the best bids based on the lowest prices for the product, the best quality products, the proper quantities of the products, the locations at which the products are located, etc.