Abstract: An instruction to generate target information is received by a server and from a first user. The instruction includes two or more pieces of user identity information associated with two or more different users. The two or more pieces of user identity information are combined, by the server and in a predetermined method, into continuous text information. The two or more pieces of user identity information in the continuous text information are separated by one or more separation strings. The target information is generated, by the server, based on at least a predetermined algorithm and the continuous text information.

Abstract: According to a first aspect, there is provided an offer-and-acceptance matching server comprising: at least one processor; at least one memory including computer program code; and a communication port coupled to the processor the at least one memory and the computer program code configured to, with the at least one processor, cause the offer-and-acceptance matching server at least to: receive, through the communication port, a query to determine deals for fund offer, fund acceptance, or both, available within a provided distance; interrogate a database to determine one or more fund offer deals, one or more fund acceptance deals, or both that match the query, the database containing records of such deals registered with the database; and respond, through the communication port, to the query with the deals that are within the provided distance.

Abstract: Electronic transaction systems and methods are operable to conduct transaction verification and authorization process for an electronic transaction. An exemplary embodiment determines location of a personal electronic device of a consumer during an electronic transaction; determines location of an electronic transaction device that the consumer is using to conduct the electronic transaction; determines a distance between the personal electronic device of the consumer and the electronic transaction device; compares the determined distance with a predefined distance; and verifies and authorizes the electronic transaction when the determined distance less than or equal to the predefined distance.

Abstract: A mobile wireless communications device includes a housing, a wireless transceiver carried by the housing, a memory carried by the housing, a display carried by the housing, and a processor carried by the housing. The processor is configured to implement a digital wallet including a multi-mode user card having first and second user interface modes, and selectively change the multi-mode user card from the first user interface mode to the second user interface mode based upon a current location, a current time, or a determined event. The second user interface mode includes one or more of a mapping interface mode, a survey interface mode, or a purchase interface mode.

Abstract: Various embodiments are generally directed to techniques provide and control applets for transaction cards. More specifically, embodiments discussed here include permitting or denying applets of transaction cards based on whether they are enabled or disabled. Embodiments may also include enabling and disable applets for transaction cards.

Abstract: Hardware controls associated with features of a scanner are removed, and a combined scanner and transaction terminal is provided without the hardware controls. Operations associated with the removed hardware controls are graphically depicted as selectable window options within scanner-generated windows. The scanner generated windows are provided as a projected human interface for the missing hardware controls. The projected human interface is provided with and accessible from a display that includes transaction windows produced by transaction software of the transaction terminal, such that the selectable window options are always accessible from the display during transaction processing performed by the transaction software.

Abstract: An asset management and tracking system for use in a facility having a product designation RFID tag having product information is attached to a product and at least one location designation RFID tag having location information. The system includes a RFID reader and a portable communication device. The RFID reader reads at least one of the product designation RFID tag and the at least one location designation RFID tag and the portable communication device receives product information from and transmits product information to an asset tracking and management device. The RFID reader transmits product information read from the product designation RFID tag and the location information read from the location designation RFID tags to the portable communication device. The portable communication device, in turn, transmits the received product information and location information to the asset tracking device and queries the asset tracking device for additional product and location information.

Abstract: The invention provides methods, systems and computer program products for one-time-password (OTP) based payment authentication. The invention comprises receiving one or more specified transaction parameters corresponding to a specified transaction and generating at an authentication server, an OTP for authorizing a transaction payment corresponding to the specified transaction. The generated OTP is associated with the one or more specified transaction parameters, and may be transmitted to a user for subsequent use to authenticate identity of the user for executing the specified transaction.

Abstract: The systems described herein include a system and method for redeeming multiple redeemable codes. For example, a mobile device can be configured to enable redemption of multiple redeemable codes in a single transaction. In some implementations, the mobile device can store the plurality of redeemable codes for obtaining discounts on the items obtained from the merchant store. Particular implementations provide at least the following advantages: A mobile device can store and manage multiple redeemable codes for a user. The mobile device can automatically select and provide the redeemable codes to a point of sale terminal when the user is making a purchase. The codes can be automatically selected and applied to the purchased goods or services to generate a discount for the user. Redeemable codes can be automatically removed from the user's device after they have been used. Thus, the user is relieved of the burden of managing redeemable codes.

Abstract: A method of dispensing a beverage from a beverage dispenser includes: detecting a user in proximity to the beverage dispenser; prompting the user to provide a first input, wherein the first input is audible; retrieving a user profile for the user based on the first input; receiving a second input from the user, wherein the second input comprises information about a beverage selection of the user, and wherein the second input is provided in a different manner than the first input; and dispensing the beverage.

Abstract: Provided is a computer-implemented method for performing analysis of transaction data. The method may include receiving streaming data, wherein the streaming data comprises a plurality of data identifiers and transaction data associated with each transaction of a plurality of transactions, wherein each data identifier is associated with transaction data associated with a transaction so that the transaction data associated with each transaction is separated by a data identifier, filtering the streaming data using at least one predetermined data identifier value to provide filtered transaction data, determining whether the filtered transaction data corresponds to at least one predetermined transaction parameter, and asynchronously storing the filtered transaction data associated with the at least one transaction in at least one data structure. A system and computer program product are also disclosed.

Abstract: A first recognition result of an input voice is generated, where the input voice is input by a user of a terminal, and the first recognition result is generated by a voice assistant of the terminal. An application of the terminal is determined based on the first recognition result, where the application provides a service, and the application is different from the voice assistant. The input voice is passed to the application, where the application performs voice recognition on the input voice to generate a second recognition result. The service is provided to the user based on the second recognition result.

Abstract: Systems and methods for providing merchant/customer interaction include determining that a tablet computer is in a merchant orientation, retrieving merchant product information according to a received instruction and merchant orientation information, and displaying a merchant screen on the tablet computer that includes the merchant product information according to the merchant orientation information. A change in the orientation of the tablet computer enclosure/stand is then detected from the merchant orientation to a customer orientation. In response, the merchant screen is transitioned on the tablet computer display to a customer screen as the tablet computer enclosure/stand changes orientations by moving the merchant screen and the customer screen linearly while in a stacked orientation.

Abstract: Various examples described herein are directed to systems and methods for executing a mobile wallet element at a mobile computing device. For example, an executable active element may send a first element message to a mobile wallet application. The first element message may include a subsidiary element request. The mobile wallet application may send to an operating system a request comprising the subsidiary element request. The operating system may send the subsidiary element request to an issuer system. Subsidiary element data describing a subsidiary element may be sent to a second mobile wallet application.

Abstract: A settlement apparatus in an embodiment includes a settling section, a discharging section, an article detecting section, and a processing section. The settling section performs settlement processing for settlement concerning a commercial transaction. The discharging section discharges a prescribed article to a receiving section after the end of the settlement processing by the settling section. The article detecting section detects remaining of the article in the receiving section. The processing section performs, if the article detecting section detects the remaining of the article at a point in time when a prescribed time elapses after the article is discharged by the discharging section, predetermined processing for making it possible to check the remaining of the article afterwards.

Abstract: A device may obtain digital signature information relating to a quantity of a type of cryptocurrency, and receive transaction data relating to a credit account, associated with a user, after obtaining the digital signature information. The transaction data may include information identifying a transaction amount. The device may determine, after receiving the transaction data, an amount, of the type of cryptocurrency, that satisfies the transaction amount, perform, using the digital signature information, an action to conduct a sale of a portion of the quantity of the type of cryptocurrency based on determining the amount, and cause proceeds from the sale to be transferred to the credit account as payment for the transaction amount.

Abstract: An accounting device according to an embodiment includes an input device that receives an instruction to start a job. A first display device includes a first screen facing a first direction towards a person who operates the input device. A change machine includes a depositing port for receiving money and a dispensing port for dispensing money. A second display device includes a second screen facing a second direction different from the first direction and towards a person who deposits money into the depositing port or receives money from the dispensing port. When the instruction received by the input device is to start a predetermined job that is different from the accounting transaction and that includes depositing money into the change machine or dispensing money from the change machine, the processor causes information supporting execution of the predetermined job to be displayed on the second screen.

Abstract: A system for providing information technology (IT) assistance packages enables a graphical user interface that can be launched from a single application icon and that can be customised on an individual user basis to provide a locally-branded system for servicing the user's IT needs.

Abstract: A method for processing payment complaint includes receiving, from a user terminal, a complaint query request of a user; querying, in response to the complaint query request, a transaction database according to user information of the user to acquire at least one target payment card corresponding to the payment complaint of the user; generating, according to the user information and the at least one target payment card, complaint voucher information of the user and returning to the user terminal the complaint voucher information; receiving a complaint creation request from the user terminal, wherein the complaint creation request is created by the user terminal based on the complaint voucher information; and creating, in response to the complaint creation request, a corresponding complaint task of the user.

Abstract: An acquirer (101) acquires, when a first product is dropped into an electronic cart, a second product similar to the first product, a first bonus provided on condition that an order for the first product is placed, and a second bonus provided on condition that an order for the second product is placed. A presenter (102) presents a form in which a first object related to the first product dropped into the electronic cart is arranged and a second object related to the acquired second product is further arranged, if the acquired second bonus is more advantageous than the acquired first bonus. An acceptor (103) accepts an order for the first product if the first object is operated. A cart manager (104) drops the second product in the electronic cart if the second object is operated.

Abstract: A method begins with obtaining, by a retailing computing device of an exchange item marketplace network from a buyer device of the exchange item marketplace network in accordance with a securely passing process, control over a secure exchange item package for use of an exchange item, where only a device possessing control over the secure exchange item package may modify the secure exchange item package. The method continues by executing, by the retailing computing device, the use of the exchange item by updating the value of the exchange item to produce an updated value, generating an updated secure exchange item package to include identity of the exchange item, identity of the retailing computing device, identity of the buyer device, and the updated value of the exchange item, and securely passing, by the retailing computing device to the buyer device, control over the updated secure exchange item package.

Abstract: An electronic apparatus is provided. The electronic apparatus includes a communicator configured to communicate with a host apparatus and an external apparatus, and a processor configured to receive a request including an ID of the external apparatus from the external apparatus, the request for having an access to the host apparatus, determine whether the external apparatus is authenticated based on the ID of the external apparatus, and process the external apparatus to access the host apparatus based on secure access information by transmitting the secure access information to the external apparatus when it is determined that the external apparatus is authenticated.

Abstract: An automated kitchen assistant system inspects a food preparation area in the kitchen environment using a novel sensor combination. The combination of sensors includes an Infrared (IR) camera that generates IR image data and at least one secondary sensor that generates secondary image data. The IR image data and secondary image data are processed to obtain combined image data. A trained convolutional neural network is employed to automatically compute an output based on the combined image data. The output includes information about the identity and the location of the food item. The output may further be utilized to command a robotic arm, kitchen worker, or otherwise assist in food preparation. Related methods are also described.

Abstract: A profile is maintained in a mobile device for storing authentication data associated with a primary user of a mobile device, and at least one secondary user that is authorized to use the mobile device. When the mobile device is at a business location, the secondary user is passively authenticated, and upon successful authentication: an image is displayed over a portion of a default lock screen wallpaper when the mobile device is in a screen locked state, wherein the image contains a scanning code, and a financial transaction (e.g., a cloud-based transaction) is facilitated at the business location based on the scanning code without unlocking the mobile device, wherein the financial transaction associated with a financial account of the primary user. Power is conserved in the mobile device by not unlocking it at the business location to conduct the financial transaction.

Abstract: A system and method for task monitoring that communicates with a device to determine the occurrence of a parameter and changing a rate of transfer based on the occurrence of the parameter.

Abstract: An authentication method performed by an authentication server (ACS). The method includes receiving from an access server (SW) giving access to a service (S), an authentication request including transaction data (DT) associated with an IC card; determining whether a security code included in the transaction data is of the DCVV type; and if so, detecting that no 3D secure (3DS) authentication is to be performed and co-operating with a verification server (SV) in order to verify the validity of the DCVV security code.

Abstract: Application extension management may be provided. A plurality of related documents may be scanned to determine whether an activation trigger associated with an application extension has been triggered. In response to determining that the activation trigger associated with the application extension has been triggered, the application extension may be triggered and a user interface element associated with the application extension may be displayed according to a display rule.

Abstract: Systems and methods for parsing receipt information are provided. A system includes a receipt parsing component executable by at least one processor. The receipt parsing component is configured to access a plurality of regular expressions associated with a plurality of vendor elements; identify a string of characters in received text that matches a character pattern specified by at least one regular expression of the plurality of regular expressions, wherein the at least one regular expression includes metacharacters; capture a value of a vendor element from the received text, wherein the value of the vendor element comprises the string of characters that match the character pattern; access reference data specifying additional elements associated with the value of the vendor element and information to identify values of the additional elements; and capture the values of the additional elements in the text based on the reference data.

Abstract: A computing apparatus is configured to formulate and adjust offers to users of mobile devices that are configured to capture identification information of products, such as UPC codes. The transaction data of the user, the activities of the user capturing the identification information of products, the location of the user, and the user's reactions to the offers are used to incrementally adjust the offers according to offer rules specified by the merchants. The mobile devices can be used to initiate a checkout process for purchasing items identified by the captured identification information of the products from the physical retail store at which the user is currently located, or via an online store associated with an offer presented via the mobile device.

Abstract: Content such as advertisements received into a mobile device may be more appropriately displayed on an alternative device remote from the mobile device. When ad content is received into the mobile device, the user may perform a physical gesture such as movement of the device or an associated motion sensor. The physical gesture is analyzed in the mobile device and causes the ad content to be redirected to the remote device. Additional physical gestures by the user can be interpreted in the mobile device to manipulate the content on the remote device.

Abstract: A method including: receiving an indication of a transaction authorization of a pending transaction, the transaction authorization being requested using a financial account associated with a user; outputting for transmission, to a user device associated with the user, a request for purchase information corresponding to the pending transaction; receiving, from the user device, receipt image data corresponding to a receipt related the pending transaction; storing data indicative of the receipt in correspondence with the pending transaction; determining, based on analyzing a plurality of posted transactions of the financial account, a first posted transaction corresponding to the pending transaction; and storing the data indicative of the receipt in correspondence with the first posted transaction.

Abstract: Systems, apparatuses, and methods for enabling a user of a multi-tenant cloud-based business data processing platform to define one or more custom transactions having an impact on general ledger transactions. Such custom GL impacting transactions provide the power and flexibility for an ERP module of the platform to satisfy the varying requirements of national/international markets that have and often require additional transaction types to cover aspects of their business activity that have an ERP and/or GL impact, and which have not been supported or anticipated by a developer in the first instance. In this manner, providing a system, apparatus and method for altering existing native transaction types having a GL impact reduce complexities associated with GL bloat, version-lock, vendor-lock, and lack of upgradability.

Abstract: An assistance strategy may be generated with a generating apparatus including a processor, and one or more computer readable mediums collectively including instructions that, when executed by the processor, cause the processor to create a reward estimation model for estimating a reward for assisting at least one subject by analyzing a history of input by the subject, create a decision making model including a plurality of forms of assistance and estimated rewards for each form of assistance based on the reward estimation model and the history of input by the subject, and generate an assistance strategy based on the decision making model.

Abstract: Computational methods and systems described herein are directed to compounding alerts generated in a distributed computing system. A user or system administrator may define a set of multistage process rules that can be used by a log management server application to examine log messages generated by event sources of a multistage process for alerts. A log-message database is searched to identify a log-message file used to record log messages generated by the event sources. A single compound alert indicating that the multistage process rules are satisfied is generated, when log messages of the log-message file that satisfy the rules of the multistage process rules have been identified. Methods may also execute remedial action to correct the multistate process when log messages of the log-message file fail to satisfy at least one rule of the multistage process rules.

Abstract: A system and method of interaction with beacons to execute a multiple layer authenticated transaction process including receiving a signal from the beacon, analyzing a relative signal strength of the beacon, enabling a portable computer device to complete the digital transaction based on the proximity of the portable computer device to an item for purchase. A first user verification input is additionally received via the portable computer system. In response to the first user verification, receiving a verification signal.

Abstract: There are provided systems and methods for a smart harbor device for intelligent updating and selection for use of transaction processing terminal devices. A smart harbor device may be used to provide updating, servicing, and other maintenance of transaction processing terminal devices, such as EMV terminals used in retail transaction processing. The smart harbor device may include a port where the transaction processing terminal devices may be places, and the smart harbor device may connect to each of the transaction processing terminal devices. Once connected, the smart harbor device may run diagnostics to determine the statuses and conditions for each of the transaction processing terminal devices and maintenance the transaction processing terminal devices. The maintenance may be performed at times where the transaction processing terminal devices are not required for use. Additionally, the smart harbor device may intelligently select one based on statuses and device capabilities.

Abstract: A digital platform enables 3D printing where the designs are protected from piracy/redistribution. A single board computer (SBC) communicates with a first server and a second server. The SBC requests a unique hardware ID from the first server, which assigns and sends the ID to the SBC. The SBC submits the ID and a secret key to the second server to request registration of a user and a printer, and the second server sends private certs, a client ID, and a unique public identifier to the SBC. The second server also receives and stores 3D print designs through a designer portal, and on-demand displays the designs in a GUI screen. The SBC user may purchase a 3D print design, and the second server, in response, sends an access token to the SBC.

Abstract: Systems and methods allowing for a customer to initiate a fuel purchase transaction utilizing a mobile device are described. The customer may further be presented with advertisements on his mobile device and/or be provided with the opportunity to purchase additional items for inclusion on his fuel transaction. In some embodiments, the customer may pay for his transaction using mobile wallet information or other information associated with the mobile device. Alternatively, in some embodiments, the customer may pay for his transaction using input means of the fuel pump.

Abstract: Described in detail herein are systems and methods for an electronic label system. Electronic labels display on a display first sets of information associated with sets of like physical objects disposed in a facility. The first computing system can encode a hyperlink into a machine-readable element in response to determining that the quantity is below the threshold. In response to receiving the machine readable element, the electronic label can automatically change the display to render machine-readable element. A portable electronic device can initiate a first session with a second computing system in response to executing an application. The portable electronic device can scan and decode the machine-readable element. The portable electronic device can navigate to a domain hosted by the second computing system. The second computing system initiates a second session. The second computing system merges the first and second session.

Abstract: A computer-implemented method for an electronic funds transfer, the method including obtaining, using a processor system of a device, a virtual payment account associated with a merchant. The virtual payment account also being associated with a consumer account wherein an electronic payment medium issuer is a third party providing commercial funding on behalf of a consumer. Marketing information relating to the merchant associated with the virtual payment account is obtained. An electronic funds transfer is conducted utilizing an electronic payment medium signature associated with the electronic payment medium provided by the virtual payment account interfacing with an electronic terminal associated with the merchant. The virtual payment account and consumer account with information relating to the electronic funds transfer are updated.

Abstract: Various embodiments herein each include at least one of systems, devices, methods, and software for automated session closing upon location-sensed departure. Some such embodiments may be implemented at retail outlets (e.g., restaurants, salons, stores, etc.) to automatically charge a customer account for ordered items upon an automated detection of a customer retail outlet departure. One embodiment, in the form of a method performed on a server-based system, includes receiving, via a network from a mobile device associated with a customer account, first data indicating the mobile device has departed a retail outlet. The method then generates, from stored retail session data, a final bill including an amount payable and then charges an amount payable from the final bill to a payment account associated with the customer account.

Abstract: Embodiments regard namespace and class utilities for managed packages. An embodiment of one or more storage mediums include instructions for performing processing in a managed package; processing a call to a namespace utility for a class in the managed package; and, in response to the call to the namespace utility, identifying a namespace for the class, and returning the identified namespace. An embodiment of one or more storage mediums include instructions for performing processing in a managed package; receiving a request from outside the managed package for instantiation of a class, the request including a class instantiation utility; and, in response to the request, delegating instantiation of the class to a factory, and instantiating the class as a public, non-global class.

Abstract: A cash processing system capable of diversified cash processes by means of a cash processor, and reducing calculator resources to achieve cost reduction. The cash processing system has a cash processor and a server connected to the cash processor through a network. The server provides an extension function program according to a download request from the cash processor. The cash processor includes: a first storage unit which stores a basic function program; a second storage unit which stores an extension function program; and a control unit which executes the basic function program and the extension function program. The control unit stores, according to the reception of a processing request which instructs the execution of the cash process, downloads, from the server, an extension function program that corresponds to the cash process included in the processing request, and stores the extension function program in the second storage unit.

Abstract: An adaptable and extensible interface is described for connecting one or more point of sale (POS) applications to one or more at a wide variety of retail application is described. The interface may be embodied as a programmable state machine employing XML files to customize its operation reusable retail applications may be utilized as part of the interface approach.

Abstract: A low energy mesh network system, including a mesh network; a central station, a low energy enhanced positional accuracy low energy (EPALE) central station and product local fixed enhanced positional accuracy low energy (EPALE) beacons. The mesh network defines a virtual item container having virtual item container nodes defining boundaries for a physical container. The mesh network tracks items to be positioned within the physical container.

Abstract: Systems and methods which allow for a money transfer transaction to be funded without providing payment at the point in time when the transaction is originated and which also do not require a customer to undertake a separate transaction with a separate entity prior to initiating the money transfer transaction with a money transfer service are provided. Embodiments may therefore allow for money transfers, such as in emergency situations, when customers would not otherwise have payment readily available at the time of the transaction.

Abstract: A secured mutual confirmation method for tracing and verifying product identity, origin and authentication may comprise at least a seller and at least a buyer, and a series of transactions between the seller and the buyer that can be realized in an online system. The transactions comprise purchase order (PO), real shipment (RS) and shipment confirmation (SC), and one block comprising a set of PO, RS and SC is configured to be registered by a concept of blockchain. In the present invention, all processes of the transactions in the system between the seller and the buyer are monitored and the messages therebetween are encrypted, which makes the online transaction more secured and reliable for both the seller and the buyer.

Abstract: This information processing device 10 is provided with a product quantity estimating unit 14 (detecting means) and a wait time estimating unit 18: the product quantity estimating unit 14 detects the number of shopping baskets held by people lined up at a product registration device (POS device); the wait time estimating unit 18 calculates a wait time prediction value for each product registration device on the basis of the number of shopping baskets; the product quantity estimating unit 14 detects the shopping baskets, and estimates the quantity of products held by each person lined up at each product registration device; the wait time estimating unit 18 calculates the wait time prediction value for each product registration device on the basis of the quantity of products held by each person lined up at each product registration device.

Abstract: A payment processor acting on behalf of a third party administrator to make payment on an adjudicated claim makes a straight through payment to an acquirer for a health care provider's merchant account. Via the authorization process, the payment processor generates an authorization code which is returned to the health care provider on its merchant statement for the payment. Concurrently, the remittance advice from the third party administrator is linked to the same authorization code as the payment by the payment processor which sends the advice in an 835-formatted transmission to the health care provider. Thus, the remittance advice may be linked (reconciled) with the payment on the merchant statement by the common authorization code.

Abstract: A system for use with different space types, each space type including emissive surfaces, each emissive surface controllable to present content within the space, the system comprising a database that includes a separate template for each space type, each template indicating surfaces associated with the space type, relative juxtapositions of the surfaces in the space and content types to be presented in each surface, a processor programmed to allow a user to select a space type, identify an associated space type template, identifying content types for each surface and storing the received content in a session specification for subsequent access.