Abstract: A method of RFID inventory control for vending containers is provided, including providing a modular vending unit including a rotatable RFID-tagged container storage and dispensing unit, capable of incrementally rotating and locking in predetermined positions, comprising multiple discrete storage volumes each configured to contain a single RFID-tagged container, an access device for accessing the interior of the rotatable RFID-tagged container storage and dispensing unit, capable of switching between a locked and an unlocked state, and configured to cooperate with the rotatable storage and dispensing unit.

Abstract: According to one aspect, the subject matter described herein includes a method for inventory control. In one embodiment, the method includes storing and maintaining expected associations between international mobile equipment identity (IMEI) values and international mobile subscriber identity (IMSI) values, monitoring signaling in a wireless network to determine observed associations between IMEI values and IMSI values, and determining whether an observed association involving an IMEI value and an IMSI value differs from the expected association for the IMEI or IMSI value. If the observed association differs from the expected association, a target action may be performed.

Abstract: A system and method for identifying a customer's location within a facility or place of business, such as, but not limited to a casino. The system and method provides notification company representatives upon arrival of the customer at the given location. Additionally, the method and system allows for navigational services to be provided to customers, and real-time location determination, location tracking and confirmation to customers of location and rewards program status. The disclosed method and system can work through a system of wireless radio, sound and/or light-based beacons communicating with the customer's smartphone, computer system, or other electronic device.

Abstract: A shipment coordination service, which may be a company or a business, coordinates shipment of a package between an origin and a destination using one or more carriers. The shipment coordination service may have one or more processing centers associated with it for processing packages. The shipment coordination service can use an origin carrier to deliver the package from an origin to an origin processing center, and a destination carrier can deliver the package from a destination processing center or another intermediate location to the destination. The shipment coordination service may also use an intermediate carrier to deliver the package from one processing center to another processing center or to another intermediate location.

Abstract: In an embodiment, articles such as items are left in storage areas in a storage bank by delivery service. A delivery service selects the intended recipient from a list of intended recipients. If the intended recipient is not found on the list, information about the intended recipient (e.g. a photo of the mailing label or other information) is entered into the system, and a message having the information is left in a house account. In response, a message is received having additional information about the intended recipient, which is used to contact the intended recipient and request the intended recipient to pick up the item.

Abstract: In an embodiment, articles such as items are left in storage areas in a storage bank by delivery service. A delivery service selects the intended recipient from a list of intended recipients. If the intended recipient is not found on the list, information about the intended recipient (e.g. a photo of the mailing label or other information) is entered into the system, and a message having the information is left in a house account. In response, a message is received having additional information about the intended recipient, which is used to contact the intended recipient and request the intended recipient to pick up the item.

Abstract: A computer system for defining attributes associated with attended delivery/pickup locations is described. In various embodiments, the system is configured to enable an authorized user (e.g., a manager of an attended delivery/pickup location) to define certain attributes of a particular attended delivery/pickup location. In some embodiments, the system is configured to verify that the particular user is authorized to define the one or more attributes associated with the particular attended delivery/pickup location (e.g., by checking a list of one or more authorized users). Once the one or more attributes are defined, in one or more embodiments, the system is configured to accept or reject parcel delivery requests based at least in part on the attributes. In further embodiments, the system is configured to facilitate a return of a particular item to a retailer via the attended delivery/pickup location.

Abstract: Methods, systems, and computer program products for automated task handling. A task handling module receives data defining a plurality of tasks relating to resolution of a revenue accounting issue. For each task, the module determines to which of a plurality of inboxes arranged in a hierarchical electronic filing system the task should be dispatched. This determination may be based on matching a user or team profile to data in a task template associated with the task. The module may determine an urgency for each task, and select the order in which tasks are resolved based the urgency. The module may select resolved tasks for validation based on an expected impact of validating the task, and to maintain a broad sample of validated tasks. Historical data relating to resolution and validation of tasks may be stored in a database to provide key performance indicators and to determine validation selection parameters.

Abstract: The present disclosure involves systems, software, and computer implemented methods for decision making One example method includes receiving a request for a decision at a decision manager system, the received request associated with a unique identifier, classifying the request based on metadata associated with the received request, identifying a decision approval rule set based on the classified request, the decision approval rule set identifying a set of approvers, identifying at least one prior approval associated with the unique identifier, the at least one prior approval associated with the at least one approver, and applying the at least one prior approval to the decision associated with the received request and updating the set of approvers by removing the at least one approver from the set of approvers.

Abstract: A system and method for identifying career opportunities to a job seeker comprising a first input device used to gather first information from a first job seeker and a processor which is programmed to obtain first priority information from the first job seeker regarding the personal importance of various job characteristics.

Abstract: A dual education student apprentice program that provides students with job skills and the necessary incentive to enter the work force by training the students in the occupational field of their choice while concurrently providing the students with a standard educational program is provided herein. The student apprentice program provides students with the opportunity to receive on-the-job training in the field of their choice while attending a standard educational program such as high school or a similar curriculum. Apprentices completing the program are immediately ready to accept jobs and enter into the local workforce. The student apprentice program benefits local communities by providing competent and qualified employees for local businesses.

Abstract: Methods, systems, and devices for implementing video assisted hiring using a web-based job posting platform are disclosed, including receiving a first set of data relating to a position including one or more of a job description, job title, salary, location, job type, schedule, travel requirements, and benefits, sending a request for video messages relating to the position to one or more of a hiring manager, a supervisor, a direct report, and a colleague, receiving a second set of data including additional information relating to the position, receiving an input as to whether the received video messages should be included in the job posting, and in response to an approval of the video messages, sending the job posting, including the first and second sets of data and the video messages, to a server to be made available for viewing by applicants.

Abstract: Referral and recruiting methods and systems may be enabled to receive a user profile associated with a first candidate; receive a company profile associated with a company; receive a job posting from the company; receive a referral for the job posting from a referring user, wherein receiving the referral for the job posting comprises: receiving an association of the job posting and the first candidate, and providing the job posting to the first candidate; track the referral, wherein tracking the referral comprises: associating the referral with the referring user and the first candidate, and preventing other users from referring the job posting to the first candidate; and administer the referral, wherein administering the referral comprises providing a referral fee to the referring user.

Abstract: Systems and methods for scheduling events for one or more users using a decision engine examining data in user models to select a date, time, and/or place to schedule a meeting between the users and store the meeting data in an event cloud using a dynamic software object.

Abstract: A system for recycling a mobile device. A system configured in accordance with one embodiment of the present technology includes an electrical connector and testing electronics. The electrical connector is configured to be electrically connected to a mobile device, and the testing electronics are configured to produce an electrical measurement by measuring an electrical attribute associated with a hardware component of the mobile device over the electrical connector. The system is further configured to valuate, identify, and/or authenticate the mobile device based at least in part on the electrical measurement.

Abstract: Software application systems and associated methods for recycling, purchasing, and/or performing other processes with mobile phones, tablet computers, laptop computers, and/or other electronic devices at a kiosk are described herein. In various embodiments, the present technology includes systems and methods associated with an electronic device to facilitate a consumer-operated kiosk processing (e.g., purchasing) the electronic device. In some embodiments, the present technology includes using a mobile app to identify an electronic device, evaluate the electronic device, resolve device issues to enable purchase of the electronic device, etc. Various other aspects of the present technology are described herein.

Abstract: Wireless-enabled kiosk systems and associated methods for recycling and performing other processes with mobile phones and other electronic devices are described herein. In various embodiments, the present technology includes systems and methods for wirelessly connecting a consumer-operated kiosk with an electronic device to facilitate processing (e.g., purchasing) the device. In some embodiments, the present technology includes using a wireless link to identify a device, evaluate a device, resolve device issues to enable purchase of the device, locate a device, etc. Various other aspects of the present technology are described herein.

Abstract: Devices, systems, and methods are disclosed for facilitating a wireless transaction by coupling or associating an identifier to a location. The identifier is read, retrieved, or received by a customer's wireless communication device to connect to a POS terminal. Once connected, the wireless communication device sends a location identifier to the POS terminal, so that the POS terminal can associate the wireless communication device with the location. Once an association is established, the POS terminal then presents options. The POS terminal receives selections, and alerts a staff member of selections and the location. In many instances, the POS terminal also adds the selection to a bill or an invoice.

Abstract: Disclosed is an automated teller machine (ATM) configured for processing transaction statement inquiries. The ATM also typically includes a processor, a memory, and a module stored in the memory. The module is typically configured to: receive a first request from a user to view a transaction statement; present the transaction statement on a display associated with the automated teller machine, wherein the transaction statement comprises one or more line items corresponding to one or more transaction associated with the user account; receive a second request from the user to select at least one line item within the transaction statement for inquiry processing; and process at least one action for the at least one line item based at least partially on the second request from the user to select the at least one line item within the transaction statement for inquiry processing.

Abstract: A mobile payment system includes a web browsing capable device in communication with the Internet to make purchases online at online stores, and a mobile payment device having securely stored payment information. The mobile payment device is locally or remotely connectable to the web browsing capable device to pay for online purchases. The mobile payment device includes a registration protocol employed to discover and register one or more web browsing capable device, and the mobile device is couplable to a card issuing bank to exchange payment messages.

Abstract: A payment method for vending containers is provided. The method includes providing an electronic payment interface accessible by a user and proximate to a container vending machine, comprising an input means, an output means, and a payment module The input means comprising an electronic interface to an electronic container inventory means, an electronic selection means, at least one of a magnetic card payment interface and an NFC payment interface. The output means comprising an electronic interface to the electronic container inventory means, and the payment module comprising an electronic interface to a microcontroller, the input means, and the output means. A user interfaces with the input means in order to obtain or return a container, and the payment module determines a payment or credit due and interfaces with the user with the output means.

Abstract: A payment system for vending containers is provided. The system includes an electronic payment interface accessible by a user and proximate to a container vending machine, comprising an input means, an output means, and a payment module. The input means comprising an electronic interface to an electronic container inventory means, an electronic selection means, at least one of a magnetic card payment interface and an NFC payment interface. The output means comprising an electronic interface to the electronic container inventory means, and the payment module comprising an electronic interface to a microcontroller, the input means, and the output means. A user interfaces with the input means in order to obtain or return a container, and the payment module determines a payment or credit due and interfaces with the user with the output means.

Abstract: Systems and methods are provided for facilitating payments between users of the system such as person-to-person payments using a payment hotspot. A payment hotspot or payspot may be generated by a first user device of a first user to facilitate a transfer of funds between the first user and the second user. The payspot may be a virtual payment portal that allows secure payment between the users without either of the users having to provide identifying information to the other user. The payspot may be accessed by the second user based on the proximity of a second user device of the second user to the first user device or the first user may provide an identification code of the payspot to the second user. The second user may access the payspot by communicating with a payment server with the second user device, through the first user device.

Abstract: A system that allows developers to designate transactions for an application to track and monitor the performance of their applications on various mobile devices. In some embodiments, each transaction is composed of multiple interactions across several different screens that interact with different services or functions. The transactions of some embodiments overlap or are nested within each other, so that multiple transactions are monitored simultaneously. In some embodiments, each transaction is assigned a value, allowing a developer to prioritize troubleshooting in an application, as well as quantifying the costs of various issues in the application. In some embodiments, the system includes a transaction agent is installed on various devices that identifies and monitors transactions in the system and a transaction server that receives transaction data from the mobile devices and processes the data to allow a developer to monitor the performance of the application.

Abstract: Methods for enabling secure online transactions using a mobile device are described. A mobile device may capture an image associated with a banking card in order to generate checkout information and to automatically populate checkout fields with the checkout information prior to completing an online transaction. In some cases, the mobile device may be used to select items to be purchased from an online merchant, access a checkout page of the online merchant for purchasing the selected items, acquire an image that encodes checkout information, acquire a personal code associated with an end user of the mobile device, generate the checkout information using the acquired image and the personal code, automatically populate one or more fields associated with the checkout page with the checkout information, delete the checkout information from the mobile device, and submit the checkout information to complete the purchase of the selected items.

Abstract: A method includes receiving a transaction request, which includes merchant data that identifies a merchant. The merchant data is translated into an account number for the merchant. The merchant data and/or the merchant's account number is used to identify a financial institution that acts as a transaction acquirer for the merchant. A payment system transaction authorization request is routed to the identified financial institution.

Abstract: Disclosed is an automated teller machine (ATM) that directly communicates with consumer devices to provide privacy. The ATM typically includes a processor, a memory, and a module stored in the memory. The module is typically configured to: initiate an ATM session with a user; associate at least one user mobile computing device with the ATM session; process a first transaction request on behalf of the user during the ATM session; and, in response to processing the first transaction request, initiate an interactive session between the ATM and the user mobile computing device, wherein information associated with the first transaction request is communicated to the user mobile computing device during the interactive session.

Abstract: The system provides a method and apparatus for initiating and completing a financial transaction from within an app, application, interface, email, ad, or the like, including social media apps, with very few steps. The system is agnostic as to merchant or advertiser, and allows a user to establish a single account that can be used for quick purchases across multiple platforms and promotional streams. The system is not limited to mobile devices but may be used in any computing environment. In a case of first time use, the system streamlines the account creation process by scraping required account data of the user from available sources. Any missing information may be requested at the time of account creation, or, if not immediately required, may be deferred to a later time. Subsequent interactions and purchases will be accomplished within the app and can be done in just a few clicks.

Abstract: The current location of a consumer can be determined and compared to the location of a merchant requesting approval of a credit card or debit card transaction. If the consumer is not at same location as the merchant, the payment can be declined. If the consumer is at the same location, the payment can be approved or declined according to normal rules. The current location of the consumer can be determined by having the consumer check in upon arrival at a store or shopping center by using an application running on the user's phone, tablet, or other mobile device. The location of the merchant can be determined based on information associated with the payment request. If the two locations match, the payment request is likely to come from the consumer.

Abstract: Aspects of the disclosure describe systems and methods for analyzing images captured by a mobile communications device. A server may transmit a request for a digital image to the mobile communications device. The mobile communications device may use a camera to capture a digital image in response to receipt of the request. The quality of one or more portions of the digital image may be verified. The mobile communications device may transmit the digital image to the server for further image processing and image analysis. The server may process and analyze the digital image to segment and identify particular regions of interest such as regions having printed or handwritten text. The server may extract the text from the digital image and use the extracted text to execute an automated electronic transaction.

Abstract: An electronic, hand-held, and portable donation device and method are disclosed for collecting financial donations. The donation device may include a plurality of electronic payment processors, each payment processor corresponding to a different monetary amount.

Abstract: A card includes a sensor system for fraud detection. A method of fraud detection includes flagging suspicious activity on a transaction card and prompting a user to take a self-image or a voice recording with the credit card.

Abstract: A process of transferring funds between two entities or persons is described; the process includes transferring funds from person A to-person B and reversing the process allowing refunds. The processes are performed through a Universal Vendor Management Server (UVM) where both entities A and B are registered and have opened UVM accounts. The funds transfer and refund processes permit the transfer of funds between the respective accounts and the charging of service fees to the entity initiating the transfer or refund process. No third party other than the UVM operator is involved in the transactions such as banks, credit card companies, and the like. The funds transfer may be achieved utilizing a cell phone to make a purchase at a participating vendor. A person enters an amount of payment in the cell phone; the amount is subtracted from the purchasers account and added to the account of the vendor.

Abstract: A card management system using a mobile wallet according to the present invention comprises: a user terminal having a mobile wallet for performing a finance trade function corresponding to a finance card; and a card management server which receives and stores card image information for the finance card from the user terminal, and which, when the finance card is to be used by way of the mobile wallet, searches for the stored card image information and provides the card image information to the user terminal.

Abstract: A computer system is enabled to process a transaction. The computer system receives a financial account holder identifier and a merchant identifier and generates a payment token uniquely associated with the financial account holder and merchant. The computer system communicates the payment token to a mobile payment device. The computer system can then receive a payment request that includes the payment token, a payee identifier, and a payor identifier associated with the payment request. The computer system can then authorize the payment request when the payee identifier matches the financial account holder identifier uniquely associated with the payment token and the payor identifier matches the merchant identifier uniquely associated with payment token.

Abstract: Disclosed is an automated teller machine (ATM) having a display. The ATM also typically includes a processor, a memory, and an ATM application stored in the memory. The ATM application is typically configured for: displaying public information on the display; initiating an ATM session with a user; based on initiating the ATM session with the user, initiating a privacy protocol, the privacy protocol reducing the viewability of at least a portion of the display; receiving user-specific information; and, during the ATM session with the user and based on receiving the user-specific information, displaying the user-specific information on the portion of the display having reduced viewability.

Abstract: Systems, methods, and other embodiments associated with intelligent authentication. According to one embodiment, a system includes a transaction logic configured to receive transaction metadata associated with an attempted transaction. The transaction logic is also configured to identify a user attempting the attempted transaction. The system further includes an activity logic configured to access an activity log associated with the user. The activity log includes values corresponding to previous transactions made by the user and any additional information provided by 3rd party feeds. The activity logic is also configured to compare transaction metadata to the values. The system also includes an authentication logic configured to select an authentication level for the transaction based, at least in part, on the comparison.

Abstract: System and methods are disclosed for interactions with unattended retail machines (“URMs”) using detectable trigger conditions and limited-scope authorization grants. An exemplary method is performed at a mobile device and includes: receiving, via a communications unit, a broadcasted signal from an electronic payment device coupled with an URM. The broadcasted signal includes a request to authorize funds that are associated with a user of the mobile device for use at the URM. The method further includes: (i) sending the request to a server via the communications unit, (ii) receiving, from the server, an authorization grant (e.g., the grant expires if predetermined criteria are satisfied), and (iii) detecting a trigger condition to initiate a cashless transaction with the URM. In accordance with a determination that the predetermined criteria haven't been satisfied, the method includes: initiating the cashless transaction with the URM by sending the authorization grant to the electronic payment device.

Abstract: According to one embodiment, an online transaction verification system includes one or more processors configured to receive an indication that a card user is attempting to perform an online transaction using payment card information. The processors are also configured to transmit a challenge code configured to interrogate a card user identification device for a first verification code, and to receive the first verification code. The first verification code is selected, by the card user identification device, from a plurality of verification codes, and according to a predefined manner. The processors are further configured to select a first comparison code according to the predefined manner, and compare the first comparison code to the first verification code. The processors are further configured to, following a determination that the first comparison code matches the first verification code, transmit a verification signal configured to indicate that the online transaction has been verified.

Abstract: A transaction terminal is configured with an application that is configured to present a user interface for out-of-band communication with a transaction handler during the processing of a payment transaction. The transaction handler is configured to invoke the application in the transaction terminal via transmitting a predetermined code in an authorization response message.

Abstract: Methods and systems are disclosed for processing information. An example method can comprise receiving a request to authorize an operation. The request can comprise a product identifier and an account identifier. The method can further comprise determining authorization plan data associated with the account identifier. The authorization plan data comprises a collection of product identifiers indicating products authorized by a sponsor. The method can comprise determining whether the transaction is authorized based on a comparison of the product identifier to at least a portion of the collection of product identifiers and providing an authorization message in response to the determining whether the transaction is authorized.

Abstract: According to one embodiment, a transaction verification system includes one or more processors configured to receive an indication that a card user is attempting to perform a transaction with a payment card. The processors are also configured to transmit a challenge code for reception by a card user device, and receive a first verification code from the card user device. The first verification code is selected, by the card user device, from a plurality of verification codes stored by the card user device, and according to a predefined manner. The processors are further configured to select a first comparison code according to the predefined manner, and compare the first comparison code to the first verification code. The processors are further configured to, following a determination that the first comparison code matches the first verification code, transmit a verification signal configured to indicate that the transaction has been verified.

Abstract: Payment card transactions at a point of sale (POS) are secured in certain embodiments by intercepting, with a POS security layer installed on a POS terminal, payment data from the POS terminal, transmitting the payment data from the POS security layer to a server security application installed on a POS server, and providing false payment data from the POS security layer to a POS terminal application installed on the POS terminal. The false payment data in various embodiments is processed as if it were the payment data, such that the POS terminal transmits an authorization request to the POS server using the false payment data. In addition, the authorization request may be transmitted from the POS server to a payment gateway.

Abstract: A card validation system receives a request to validate a card. The system receives a set of cell identifiers from a merchant, where the set of cell identifiers determined by the merchant. The system further receives a set of received cell values corresponding to the set of cell identifiers of a card validation matrix. The system determines a set of stored cell values corresponding to the set of cell identifiers of the card validation matrix. The system compares the set of received cell values to the set of stored cell values. Based at least in part upon the comparison, the system determines whether the card is validated.

Abstract: A card validation system determines a first set of cell identifiers of a card validation matrix to associate with a first merchant and a user and transmits the first set of cell identifiers to a first merchant. The system receives a request to validate a card and receives, from the first merchant, a first set of received cell values corresponding to the first set of cell identifiers of a card validation matrix. The system determines a first set of stored cell values corresponding to the first set of cell identifiers of the card validation matrix. The system compares the first set of received cell values to the first set of stored cell values. Based at least in part upon the comparison, the system determines whether the card is validated.

Abstract: Embodiments of the invention relate to an invention for accessing a remotely located mobile device of a user based on certain events is provided. The system, method, and computer program product are configured to: (a) monitor one or more transaction involving a transaction vehicle of a user; (b) determine a physical location of a transaction vehicle based at least partially on the one or more transactions; (c) determine a geographic location of a mobile device of the user, wherein the mobile device is associated with the transaction vehicle; (d) determine whether or not the transaction vehicle of the user and the mobile device of the user are co-located; and (e) reconfigure one or more applications accessible to the mobile device or one or more functional features of the mobile device based at least partially on determining that the mobile device and the transaction vehicle of the user are not co-located.

Abstract: Apparatus for providing a QST are disclosed herein. The QST may identify a customer in response to a swipe of a customer identifying instrument. The QST may include a reading head, a processor, a keypad, and a communications medium. The reading head may detect identification information in response to the swipe of the instrument. The identification information may be associated with a personal identification instrument. The processor may bypass a PIN acceptance state and perform a search for at least one banking record corresponding to the personal identification instrument. The processor may terminate the identification session in response to failure to obtain a record corresponding to the identification instrument. In response, at least in part, to identification of at least one record that corresponds to the personal identification instrument, the communications medium may receive a session-auth instruction from a remote location. The session-auth instruction may initiate a banking session.

Abstract: Exemplary embodiment of the present invention would provide systems, including Internet-based systems, and computer-implemented methods, for providing online Buyers and Sellers who physically transact an exchange of an item at a local meeting place, indicia of confirmation of the exchange on which to base a background online payment. In particular, exemplary embodiments of the present invention would provide a way for Buyers and/or Sellers to input an identifier for online authentication to confirm that a physical exchange of an item sold had been transacted and that would accordingly provide an online system with a basis to charge the relevant Buyers account for a sale amount and pay the Seller for the item sold.

Abstract: A system and method of verifying the identity of a user or registrant. The user or registrant provides identification information and registration information. The identification information may be a visual representation of an identifying item associated with location information. In some embodiments, the identification information may be a visual representation of a government issued identity. An identification module verifies the identification information and compares the verified identification information to the registration information.

Abstract: A method for block-chain verification of goods includes scanning, by a computing device, using a code scanner, an address from a code affixed to a product, verifying, by the computing device, that the address is associated with a crypto-currency transaction recorded at a transaction register, obtaining, by the computing device, at least one current transaction datum, and determining, based on the verification and the at least one current transaction datum, that the product is authentic.