Abstract: A subscription system allows a customer to establish a subscription to a product with one or more retailers (e.g., by establishing the subscription through a controller or central system). In one embodiment, a subscription may be established after receiving information that identifies a product. Terms of a subscription for the product are established, such as a frequency and a duration of the subscription.

Abstract: In general terms, the present invention relates to methods and apparatuses for providing a foreign currency solution. In some embodiments, a method is provided that includes: (a) establishing a foreign currency account for a domestic account holder; (b) receiving a domestic currency payment for funding the foreign currency account; (c) exchanging the domestic currency payment to produce an exchanged foreign currency payment; (d) crediting the foreign currency account by the amount of the exchanged foreign currency payment; and (e) authorizing a foreign currency transaction involving the foreign currency account and the domestic account holder. Other embodiments relate to configuring a mobile device to operate as a mobile wallet, such that the mobile device includes a foreign currency account module and/or a domestic currency account module that can be used to engage in both domestic currency and foreign currency transactions.

Abstract: The disclosure provides a method of operating a duty-free retail operation at an airport. The airport includes a secure zone and a non-secure zone, which are separated for passengers by a security checkpoint. The duty-free store may be located in the non-secure zone of the airport. The airport may also include a product storage area and a product pickup area, which can be accessible from the duty-free store or remote from the duty-free store. The product storage area may store copies of the products displayed in the duty-free store. A passenger customer can purchase products displayed in the duty-free store, for example, by scanning QR codes associated with products and making a payment using a mobile computing device. Copies of purchased products may then be retrieved from the product storage area and delivered to a designated product pickup area before the customer boards the plane.

Abstract: A system and method to authenticate products. The method includes storing identity data corresponding to products to be sold into a database, accessing the database at a point-of-sale of a product, and determining the authenticity of the product at the point-of-sale by comparing the product's identity data with the identity data stored in the database.

Abstract: Devices, systems, and methods are disclosed which relate to an NFC-enabled security token that is removably coupled to a mobile device. The security token may be provisioned with the information by the mobile device, then decoupled from the mobile device and used to authenticate the user or perform a transaction at a POS terminal equipped with an NFC reader. The security token includes logic for user-controlled restrictions on allowable purchases, such as payment limits, timeouts, vendor identifiers, allowed purchases, and location-based restrictions. The security token is further equipped with “self destruct” security features, such as deactivating itself or erasing any sensitive information upon being unable to contact the mobile device for a specified duration, or being subject to an unauthorized or restricted transaction, until such time as it is re-coupled to the mobile device.

Abstract: Payepos Card or Payepos Top Up Card is a card to send and receive money is a most robust way to curb payments fraud. This is a magnetic swipe card with 16 or more digit card number, barcode, PIN OR SECURITY CODE etc. User can pay in cash or use their bank debit or credit card at POS to top up their account to pay websites, shopping, businesses and individuals. Similarly they can receive money from other Payepos account users, websites, businesses and individuals straight through POS. Furthermore trusted bank or building societies and companies are able to transfer money to Payepos from their existing arrangements. User is able to transfer balance to their bank account. www.payepos.com and any form of future developments, processes, charges, web shopping cart, tools, devices; software and hardware interfaces are integral content of Payepos Card and or Payepos Top Up Card.

Abstract: A method for automatically generating change orders may be performed at a point of sale system. The point of sale system may determine an amount of funds in the point of sale system and whether additional funds are necessary. If so, a change order may be automatically requested from a back office system (e.g., a cash recycler) or a financial institution. The back office system may determine whether it is able to fulfill the change order request and if not, forward the request to the financial institution. In one or more arrangements, a notification that a change order request has been received may be transmitted to a manager or other change order personnel. The change order request and funds delivered to the point of sale system in response thereto may be reconciled with the back office system.

Abstract: Methods and systems for adjusting a security level of a transaction system based on biometric characteristics of a customer are disclosed. According to an aspect, a method includes interacting with a customer at a transaction terminal. The method also includes determining a biometric characteristic of the customer based on the interaction with the customer. Further, the method may include adjusting a security level of a transaction system based on the biometric characteristic.

Abstract: In some embodiments, a method comprises receiving a request from a customer to temporarily associate a token issued to the customer with a payment account associated with the customer, and temporarily associating the token with the payment account in response at least in part to the request. In some embodiments, a method comprises issuing a token to a customer before the token is associated with a payment account; and arranging for the customer to have an ability to request that the token be associated with a payment account and usable as a payment token. In some embodiments, a method comprises receiving a mapping associating an identifier of a token with a payment account; receiving the identifier from a point of sale system; and determining the payment account based at least in part on the mapping and the identifier received from the point of sale system.

Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Abstract: Systems, methods, and devices are disclosed which allow a mobile device user to complete financial transactions even when the mobile device is not connected to a wireless network. The systems, methods, and devices of the present disclosure may utilize a combination of an encrypted lockbox containing out of network payment codes on the mobile device and a matching set of out of network payment codes stored on a server of a payment authority.

Abstract: Systems and methods for providing payment vehicle recommendations are provided herein. In the systems and methods, a transaction associated with one of a transaction amount and purchase items is identified based on the transaction data; one or more payment rules associated with the transaction are identified; the terms of the one or more payment rules are compared with the transaction amount or purchase items; the most favorable payment vehicle for the transaction is determined based on the comparison of the terms of the one or more payment rules and the transaction amount or purchase items; and a recommendation of at least one payment vehicle is provided based on the determination of the most favorable payment vehicle on a display of a mobile device of a user.

Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Abstract: A user makes a purchase request through a merchant app on a mobile device, such as by selecting an item for purchase. A mobile SDK of a payment provider is installed in the merchant app. The payment request includes the phone number for the mobile device. The payment provider verifies the phone number of the user and requests approval of the payment from a mobile operator providing wireless communication services on the mobile device. If the request is approved, the payment is charged to the user mobile operator account. The user simply taps a button to select an item to purchase and selects another button to confirm the purchase. Once processing is done, the user is notified on the mobile device of a successful payment.

Abstract: A method of operating a point-of-sale (POS) system (1), the POS system comprising a POS terminal (3) having a software module (17, 21) thereon for enabling a retailer to process transactions within a transaction environment, and a peripheral device (5, 7) in communication with the POS terminal (3), the POS system (1) further comprising a driver software module (40) installed between the POS terminal (3) software module (17, 21) and the peripheral device (5, 7), the method comprising: receiving, at the driver software module (40), data sent between the software module (17, 21) and the peripheral device (5, 7) in communication with the POS terminal (3); communicating with a further device (44, 60, 64) in dependence on the data received at the driver software module (40); receiving modified data from the further device (44, 60, 64); and outputting the modified data.

Abstract: Disclosed herein is a method, in which each step is computer-implemented, including receiving, via a point of sale terminal, a mobile device telephone number of a mobile device associated with a user, and a personal identification number selected by the user. The mobile device telephone number is checked against a database to determine if the mobile device telephone number is already present. A payment account is created if the mobile device telephone number is not already associated with a payment account. The mobile device telephone number serves as an account number. An account confirmation message is transmitted to the mobile device via direct use of the account number. A transfer of funds to affect payment is administered via a stored fund account. The stored fund account is associated with the account number, and is a ledger of actual funds where the actual funds are located in a second account.

Abstract: The DYNAMIC PAYMENT OPTIMIZATION APPARATUSES, METHODS AND SYSTEMS (“DPO”) transform requests for on-demand and flexible monetization and related services via DPO components into currency transfers, purchase receipt notifications, social networking communications and transaction analytics reports. In some embodiments, the DPO obtains a user product purchase request for a user engaged in an online experience at a point of sale device. The DPO parses the user product purchase request, and thereby identifies at least one attribute of at least one of: the user; the online experience; and the point of sale device. The DPO customizes one or more properties of a user interface for initiating a purchase transaction related to the user product purchase request, according to the identified at least one attribute of the user, the online experience or the point of sale device; and providing the customized user interface.

Abstract: A computer-controlled, automated checkout store outlet comprises at least one bay. A normally locked door is associated with each bay, and provides access to items within the bay by customers approved by a computer of the automated store outlet. At least one tray is disposed within at least one bay, and adapted to hold items to be stocked by the bay. A sensor system is configured to detect the removal of an item from the bay and identify the removed item, such as when a customer is removing the item for purchase.

Abstract: The invention describes how a consumer can hold their NFC enabled device in proximity to an NFC enabled point-of-sale terminal and with a single “wave” or “tap” to automatically redeem coupons, pay for a purchase using a default payment card or a selected card, view receipts view reward point balances, and receive relevant coupons and other digital artifacts both before and after the purchase. The NFC enabled device includes a secure element with a payment application, payment credentials, and other digital artifacts such as coupons. The secure element can be internal to the mobile device, externally affixed to the mobile device, or inserted into a slot within the body of the mobile device.

Abstract: The system contains a virtual POS terminal's unit in the user's personal device. The mobile communication device (1) contains a virtual POS terminal's unit (4) and also a removable memory card (3), on which there are at least two physically separate secure elements (2) stored. The removable memory card (3) is connected to the secure element (2) containing the secured part of the virtual POS terminal. The mobile communication device (1) and/or the separate portable element (6) is adjusted in such a way to be able to connect to a remote payment procession server. The removable memory card (3) and the separate portable element (6) can be equipped with the NFC communication element. Depending on the user choice, a corresponding secure element (2) with the selected payment card unit (14) is activated on the removable memory card (3).

Abstract: According to one embodiment, a POS terminal includes a printer, a display, a screen display section, a selection operation input section, and an issue section. The printer prints and issues a receipt related to a commodity transaction. The display displays information. The screen display section displays, on the display, a selection screen for selecting an information item to be printed on the receipt. The selection-operation input section selects, according to selection operation in the selection screen displayed by the screen display section, the information item to be printed on the receipt. The issue section issues a receipt on which the information item selected by the selection-operation input section is printed and an information item not selected by the selection-operation input section is not printed.

Abstract: A system and method for verifying a user's identity during a point-of-sale transaction are provided. The system and method provide for applying for, receiving and verifying a financial services provider card; providing a plurality of requested biometric identification data to a financial services provider; uploading the plurality of biometric identification data of a user requested by the financial services provider via a network connected computing device to a preselected website; storing the plurality of biometric identification data in a remote server coupled to the preselected website; and using the plurality of requested biometric identification data to execute a point-of-sale transaction, wherein a merchant can verify the financial services card with the biometric identification data provided by the remote server or provided by the user via a point-of-sale terminal.

Abstract: A secure online banking transaction apparatus to communicate with a server over a non-secure connection is provided and includes a selector configured to allow for a selection of a mode of the apparatus, a processing unit coupled to the selector and including a secure communication unit, which is configured to set up a secure connection, along which a secure transaction occurs, with the server via the non-secure connection in accordance with the mode, an input unit coupled to the processing unit and configured to allow for a input of data into the apparatus, which is at least partly related to the secure transaction, and an interface coupled to the processing unit and configured to convey at least a status of the secure transaction and the contents off the inputted data.

Abstract: The invention provides a computer system and method for managing electronic transactions. A plurality of consumer accounts stored in the data store. A payment source storing module stores a plurality of payment sources. A payment source selector is set upon receiving a payment source selection to indicate a selected one of the payment sources. A communication and routing module receives a charge request over the network interface device. A transaction processing system determines a payment source selected with the payment source selector, and processes the charge request based on the payment source selected by the payment source selector.

Abstract: The subject matter described herein includes systems, methods, and computer readable media for utilizing one or more preferred application lists in a wireless device reader. A transaction terminal designates compatible application identifiers, where each of the compatible application identifiers is respectively associated with a transaction application that is compatible with the transaction terminal. A proximity payment system environment (PPSE) application is configured to store user preferred application identifiers, where each user preferred application identifier is respectively associated with a to transaction application stored on the mobile wireless device. A wireless device reader for receives the compatible application identifiers from the transaction terminal, and stores the compatible application identifiers in preferred applications lists (PALs).

Abstract: Techniques for allowing multiple mobile electronic devices to contribute items to a single electronic shopping cart are disclosed. The techniques include electronically pairing a first mobile electronic device with a second mobile electronic device. The techniques also include receiving a UPC code from a first physical item at a brick and mortar store into self-checkout software on the first mobile electronic device, receiving first item information for the first item into the self-checkout software on the first mobile electronic device, creating an electronic shopping cart with the first item information on the first mobile electronic device, and transmitting information regarding the first item to the second mobile electronic device to thereby create a synced copy of the electronic shopping cart on the second mobile electronic device.

Abstract: In a control method of a control system including a terminal configured to execute an application, a device configured to send or receive data, and a controller connected to the device, a request for a device control is transmitted from the application to the controller. At the controller, the device control by the controller is established after the controller receives the request. At the terminal, the device control by the application through the controller is established after establishing the device control by the controller.

Abstract: A method for providing an item suggested by a retailer to a user prior to an upcoming transaction at a point of sale terminal includes detecting a presence of the user at an item impulse device in a facility of retailer, wherein the item impulse device is located proximate to the point of sale terminal. When the presence of the user is detected at the item impulse device and prior to the upcoming transaction a purchase history of the user and one or more items the user currently possesses are obtained. The item suggested the retailer for the user to purchase is determined based on at least one of the purchase history and the one or more items the user currently possesses. A notification indicating the item suggested by the retailer is generated and provided to the user.

Abstract: A computer-implemented method is disclosed for obtaining improved product descriptions via crowd-sourcing. Within the method, a point-of-sale system forming part of a computer system may initiate a point-of-sale transaction involving a customer. The computer system may identify a first product description describing a first instance of a product being purchased as part of the point-of-sale transaction. The computer system may invite the customer to improve the first product description. In response to such an invitation, the computer system may receive, from a computing device corresponding to the customer, a second product description comprising an improved description of the first instance of the product. The second product description may then be stored by the computer system. The second product description may be vetted to ensure a certain level of quality. Subsequently, the second product description may be passed to other customers when they purchase other instances of the product.

Abstract: A point-of-sale system is provided that permits users to self-manage prepaid debit cards. Such a system may be capable of identifying and managing a number of different prepaid debit cards provided by different card issuers. The system may permit, for example, a user to purchase, activate, load funds, or perform other management operations with such cards. The system may also enforce restrictions associated with particular card types, and follow process flows for activating and performing other operations of such cards. The system may also be easily extendible to other types of prepaid cards through established card network relationships.

Abstract: An apparatus generally directed to a combination tablet computer and game controller. The tablet computer provides a plurality of sides, in which each of the sides are disposed between an electronic display screen and a back of the tablet computer. The computer game controller provides side structures adjacent to and confining the tablet computer on at least two opposing sides of the tablet computer. The computer game controller further preferably providing input module apertures and a camera. Preferably, each input module aperture selectively accepts either a game control module or a removable keyboard module. The input module apertures are preferably adjacent each of the at least two opposing sides of the tablet computer, and the camera communicates with each the electronic game controller and the tablet computer, the camera selectively captures either still or video images. The electronic game controller further provides an integrated transaction card input feature.

Abstract: A point of sale tax reporting system including a smart tax register located at a retailer location. The retailer smart register processes consumer transactions and calculates the amount of sales tax due the retailer by the consumer for each transaction. After the sales tax is paid to the retailer by the consumer, the register either immediately or periodically forwards the amount of the transaction and the amount of sales tax collected by the retailer to a computer and memory located at a remote location, such as a state government taxing authority.

Abstract: A computer-implemented method is disclosed for calendaring reminders. Within the method, one or more point-of-sale transactions may be conducted. The transactions may involve a computer system and a customer possessing a mobile computing device. The computer system may store receipt data documenting the transactions. The computer system may also search the receipt data in an effort to locate one or more products having predictable purchase periodicity. When such products are identified, one or more appropriate reminders for subsequent purchases of the one or more products may be scheduled.

Abstract: A mobile device equipped with at least a display and an input is used to connect to a server on the mobile network. Upon authentication of a user of the mobile device, the server generates the payment key, encodes the key in an image, such as a bar code, and transmits the image to the mobile device. The user holds the display of the mobile device up to an optical scanner at a POS terminal. Logic on the POS terminal extracts the payment key from the image, and uses the payment key to bill the user. The POS terminal transmits the bill with the payment key to the server on the network. The server ensures that the key is active, and debits an account for the user based on the amount presented in the bill. The key is de-activated after a specified time period or one use, whichever occurs first.

Abstract: A system and method for conducting payment transaction using a mobile device equipped with a NFC interrogator, comprising: creating a payer user account in a server and associating a payer mobile device with the payer user account; registering, by the server, a payee NFC identity tag; recording, by the server, a payment transaction and associating the payment transaction record to the payee NFC identity tag; interrogating the payee NFC identity tag by the payer mobile device; transmitting the acquired identifier of the payee NFC identity tag to the server; matching the received identifier to the associated payment transaction record; retrieving and sending to the payer mobile device the matched associated payment transaction information; displaying the payment transaction information in the payer mobile device for user confirmation; transmitting the confirmed information and the payer mobile device identification data to the server to complete the payment transaction.

Abstract: The present disclosure provides a compact portable point of sale (POS) device. The POS device is capable of being folded for easy transportation of the POS device by a user. The POS device includes a box unit having a cash register with a plurality of compartments, some of which are adapted to store currency notes and coins. Further, the POS device includes a pivotable tray hinged to the box unit for covering the cash register. The tray is adapted to receive a keyboard thereon. Furthermore, the POS device includes a tablet type computing device capable of being detachably attached to the box unit. The tablet has a display screen and is connected to the keyboard. After use of the POS device, the user is capable of folding the pivotable tray and the tablet for making the POS device portable in nature.

Abstract: Methods and systems for exchanging various forms of value, including coins, currency, credit, debit, and/or bank account funds, for prepaid cash cards, credit cards, phone cards, and the like. In one embodiment, a value exchange machine includes a coin input region, a coin sorting/counting apparatus, a card reader, and a communications facility configured to communicate with a remote computer network. In another embodiment, a value exchange system includes one or more of the value exchange machines connected to one or more remote computers via a communications link. A user wishing to purchase, for example, a prepaid cash card can visit one of the value exchange machines, select the desired transaction, and pay for the card with coins, currency, a credit card, a debit card, and/or bank account funds. After confirming payment, the value exchange machine dispenses the card to the user.

Abstract: A method and apparatus involve: providing a plurality of products that are each associated with a respective radio frequency identification tag; using radio frequency identification technology to automatically identify specific products in a group of products collected by a shopper; and evaluating whether or not to obtain payment from the shopper based on the radio frequency identification of products in the group. Based on the result of the evaluation, either payment is obtained from the shopper on the basis of the radio frequency identification of products in the group, or else the products in the group are audited, and then payment is obtained on the basis of the products identified by the audit.

Abstract: The field of the invention relates to systems and methods for controlling investment funds, and more particularly to systems and methods for real-time projections based on consumer transactions. In one embodiment, an investment fund management system may include a consumer communication device configured to create a payment gateway with a Point of Sales (POS) terminal. The system further includes a portfolio server accessible over a data network. The consumer communication device is configured to execute a process including the steps of intercepting a transaction through the payment gateway; computing an expected return based on the investment of a transaction amount from said transaction; and providing the expected return to the consumer communication device.

Abstract: Methods and devices allow a handheld order unit to be used with a cash handling device. A handheld order unit may be used by a staff person to enter order information, to display an amount due for the meal or other transaction, to facilitate payment, to print receipts, and to communicate information about the transaction to a cash handling device. The cash handling device may identify the handheld order unit and the assigned user for the unit and determine what financial documents need to be inserted by the user for reconciliation purposes.

Abstract: A transponder-initiated transaction system is electromagnetically coupled to an account transponder device at the point of sale. The account transponder device may be embedded within a watch, key chain or other personal article for convenience or affinity. The transponder device may communicate account information to an RF-enabled point of sale device, enabling transactions to take place without resort to remote data processing facilities. In other embodiments partial or complete account information may be accessed or stored at co-located or remote sources. New account registrants may access a Web site to enter a transponder ID and activate a new account, which may be a credit account, debit account, cash account, special purpose vending account, or other types of accounts.

Abstract: In a method of processing customer applications at an event, an application is received from a customer on a customer interface computer. The data in said application is verified on the customer interface computer and encrypted. The encrypted data is transmitted wirelessly to a portal computer via a private wireless network, and then transmitted to a processing computer system for approval of the application.

Abstract: A transponder-initiated transaction system is electromagnetically coupled to an account transponder device at the point of sale. The account transponder device may be embedded within a watch, key chain or other personal article for convenience or affinity. The transponder device may communicate account information to an RF-enabled point of sale device, enabling transactions to take place without resort to remote data processing facilities. In other embodiments partial or complete account information may be accessed or stored at co-located or remote sources. New account registrants may access a Web site to enter a transponder ID and activate a new account, which may be a credit account, debit account, cash account, special purpose vending account, or other types of accounts.

Abstract: A sales system includes a display unit and a selection unit configured to provide for display on the display unit a selection screen including at least one product image, and accept a user selection of one or more product images in the selection screen. The sales system further includes a control unit configured to calculate and provide for display on the display unit a total purchase price of products corresponding to the product images which are selected in the selection unit, and an accounting unit configured to settle payment for the total purchase price of the products.

Abstract: A system and method for paying hard copy bills using a computer is disclosed. Merchants and payors create electronic accounts with this system and method. Merchants generate bills and register them with the merchant account. Payors scan the bill with a computer, cell phone, or other electronic device, and pay the bill with a networked application. Payment method is selected by payor. Third parties can also create accounts and gather data for statistical purposes such as marketing.

Abstract: A system for determining the location of at least one vehicle, the at least on vehicle emitting a detectable signal. The system comprising at least one mobile or stationary detection device that detects the signal emitted by the at least one vehicle. A server with operational software for tracking and locating the at least one vehicle emitting a detectable signal, and a user interface device for interfacing with the network for providing location information on the at least one vehicle.

Abstract: Systems, apparatus, and methods are disclosed for accurately identifying a mobile thing (MT), a mobile thing motion activity (MTMA) associated with the MT, or both, using sensor data from one or more sensors, such as an accelerometer, gyroscope, etc., associated with a wireless communication device (WCD) transported by the MT, so as to enable or initiate a further one or more intelligent MT-identity-based and/or MTMA-based actions.

Abstract: A computer-implemented method is disclosed for storing and presenting warranties to one or more customers. Within the method, a computer system may store at least one warranty. Subsequently, a point-of-sale system forming part of the computer system may initiate a point-of-sale transaction involving a customer. The computer system may then determine that a first product forming part of the point-of-sale transaction corresponds to a first warranty of the least one warranty and offer to display the first warranty. In response to the offer, the computer system may receive a request to display the first warranty from a computing device corresponding to the customer. Accordingly, the computer system may present the first warranty to the customer via the computing device.

Abstract: A system and method for initiating a deposit transaction, where the depositor is a banking customer located at a remote location, and where the item to be deposited is a financial instrument, such as a paper check from a third party, payable to the depositor. The enabling system features a Remote Customer Terminal (RCT) with certain input devices, connected to a bank system. An image and/or other data of the financial instrument are transmitted from the RCT to the Bank of First Deposit (BOFD) where the data may be processed by conversion to Electronic Funds Transfer (EFT), via Electronic Check Presentment (ECP), or via check reconstruction. The deposit transaction can be accomplished without physical transfer of the financial instrument to or through the bank system. The system and method provide convenience and improved transaction processing speed compared to other deposit transactions of financial instruments.

Abstract: A method for customer promotion includes sequentially processing each of a plurality of items in a customer order. The price of each item is accumulated after processing. A marginal discount associated with each item processed is generated. This marginal discount is generated in response to a signal that indicates the accumulated price exceeds a predetermined threshold. Unapplied marginal discounts are accumulated for application to the customer order. A discount is applied to the customer order in response to a signal that is generated that indicates the accumulated discounts exceeds a predetermined minimum.