Abstract: Described herein are systems and methods for determining whether a scanning motion occurred during a checkout process. The system includes a checkout lane having a scanning area that receives products to be purchased by a user, scanning devices, a point of sale (POS) terminal that identifies a product based on a scan, using the scanning devices, of a product identifier for the product as the product is moved through the scanning area, and an overhead camera that captures image data of the user's body movements and transmits, to a computing system, the image data. The computing system can, during runtime, identify whether a scanning motion occurred during the user's body movements based on application of one or more motion identification models to the image data and determine, based on identification of the scanning motion, that the user performed an affirmative scan during the checkout process.

Abstract: Management of surge network traffic to an electronic commerce platform is described herein. A network traffic surge resistant system includes network storage and one or more servers configured as a commerce platform. The commerce platform operates an adaptor between the commerce platform and an inventory management system. The adaptor protects the inventory management system from transactions generated by a surge of network traffic directed at the commerce platform. The commerce platform generates a script, an offer package, and an offer instantiator based on inventory information received by the adaptor. The commerce platform stores the script and the offer package onto the network storage. The offer instantiator provides the location of the script and the offer package in the network.

Abstract: A system and method for enhancing searching capabilities is disclosed. The system and method can receive an image and metadata associated with the image. An intensity map of a grayscale vector may be generated corresponding to the image. An HTML code snippet may be placed at a coordinate location within the image and a browsing activity associated with the image may be detected. The HTML code snippet may be activated in response to detecting the browsing activity at a coordinate location. An interactive page may be rendered on a user interface, the interactive page including the image and the metadata associated with the image. The code snippet output may be correlated with the metadata to generate image browsing track data. A user browsing profile may be generated including the image browsing track data.

Abstract: A method for determining an association between a bankcard identifier and at least one mobile communications terminal identifier. The method is implemented by an electronic device and includes: obtaining an identifier of a current bankcard, a bankcard used to make a purchase of an article or a service by using a payment terminal, the obtaining being implemented at the time of the execution of a payment transaction made by using the bankcard; at least one step of obtaining a piece of data representative of at least one communications terminal identifier; and computing a score of correspondence between bankcard identifier and the at least one piece of data representative of a communications terminal identifier.

Abstract: A method that includes receiving, from one or more motion sensors in a device, data describing a signature arc in three-dimensional space, the signature arc having been generated by gesturing using the device; identifying, from the data describing the gestured signature arc, a plurality of points that correspond to the gestured signature arc in three-dimensional space; generating a curve along the identified plurality of points corresponding to the gestured signature arc; generating a two-dimensional representation of the gestured signature arc; and displaying, on a display screen, the generated two-dimensional representation of the gestured signature arc.

Abstract: The disclosed technology relates to improved user authentication to verify transaction legitimacy. An exemplary system may send a request for a current image to a mobile device associated with a user. The request may include an indication of a requested action to be performed by the user. The system may classify an action depicted in the current image obtained in response to the request. A determination may be made as to whether the depicted action corresponds to the requested action based on the classification. When it does correspond, the system may compare facial feature(s) recognized in obtained past image(s) associated with the user to a facial feature(s) recognized in the current image to determine when the user is depicted in both the past image(s) and the current image. When the user is depicted in both the past image(s) and the current image, the system may allow the transaction to proceed.

Abstract: A method performed by at least one computing device. The method includes receiving a credit request from a self-checkout device before a customer completes an instore checkout process and sending a request for a Uniform Resource Locator (“URL”) to one or more authentication computing devices. The authentication computing device(s) send the URL to the mobile device. The method includes sending a credit application to the mobile device after the customer selects the URL, receiving a submission of the credit application from the mobile device, approving credit based on the submission, and forwarding a code to the mobile device. The code indicates that the credit is to be used to complete the instore checkout process when scanned by the scanner.

Abstract: A power tool is provided that can include a body, a battery pack interface coupled to the body, an electronic controller coupled to the body, and a sled configured to engage with the battery pack interface. The sled can include a battery, and a boost converter electrically connected to the battery. An output of the boost converter can be configured to be electrically connected to the battery pack interface to provide a boosted voltage to the power tool.

Abstract: Systems, computer program products, and methods are described herein for electronic tokenization of resource distribution instruments. The present invention may be configured to receive, from a first entity channel, a request for a secure credential for a resource distribution instrument, where the first entity channel received the request from a user device associated with a user. The present invention may be configured to generate, in response to receiving the request, the secure credential and provide, to a resource distribution instrument network, the secure credential and instructions to configure the resource distribution instrument network. The instructions may configure the resource distribution instrument network to provide, in response to receiving a token request using the secure credential from a second entity system, a token for use by the second entity system during distributions between the user and the second entity system.

Abstract: Systems and methods involving secure connections between security meshes are disclosed herein. One disclosed device includes a first security processor located within a first security mesh, a first casing having a connector and supporting the first security mesh and the applications processor, a second security processor located within a second security mesh, and a second casing connected to the first casing via the connector and supporting the second security mesh. The first security processor and second security processor are programmed to generate a unique pre-shared key independently on both the first security processor and the second security processor using an elliptic key exchange and establish a secure connection between the first security processor and the second security processor using the unique pre-shared key.

Abstract: When change back is due to a customer at a transaction terminal after a cash payment made by the customer during checkout, a code is generated and rendered on a display of the terminal. The customer captures the code with a camera of a customer-operated device causing a mobile application to launch on the device requesting that the customer designate how the customer wants the change back to be provided. The customer can select a loyalty wallet, a digital wallet, and/or a donation wallet for transferring some or all of the change back. The designated amount of the change back is transferred to the customer-selected wallet(s) and any remaining cash bills still due to the customer as remaining change back is provided to the customer and the transaction concludes at the terminal.

Abstract: Systems, methods, and computer-readable media are provided for enabling mobile device-based item acquisition and tracking. One exemplary method performed on a mobile device comprises entering a wireless scan mode, detecting a signal from a tag associated with an item in a first area and in proximity to the tag, presenting information associated with the tag, and adding the information to a list. The method further comprises detecting a second tag in a second area, and sending the list to a second device. A second exemplary method performed by a processing terminal comprises receiving the list from a mobile device, entering a wireless scan mode, detecting a signal from a tag associated with an item in proximity to the tag, determining whether the item associated with the detected tag is present on the received list, and enabling the mobile device to complete a transaction to purchase the item.

Abstract: Receiving, at a server, an identifier from a user to authorize fuel payment at a fuel station. Associating the identifier with a carrier, the carrier being entitled to a fuel discount at the fuel station. Authorizing the fuel station to provide fuel to the user with the fuel discount, which may be variable. The identifier may be received from a mobile application, a company credit card, a personal credit card, a virtual credit card, and/or an onboard electronic logging device (ELD). The authorizing of the fuel station to provide fuel to the user with the fuel discount may be limited by an amount and/or a type of fuel. A system is provided that includes a receiver module, and a server, and a transmitter module. A non-transitory computer-readable medium storing a program for operating a fuel discount sharing application is provided.

Abstract: A computerized method for providing an interactive graphical user interface (GUI) to a user on a display of a mobile device. The method interacts with the user to obtain information about a first payment account and a second payment account. The method aggregates parameters of the first payment account and the second payment account on a unified GUI on the mobile device. The method further monitors transactions of the first payment account and the second payment account. When a particular transaction conducted by the first payment account includes parameters associated with the second payment, the method identifies that particular transaction and presents a confirmation GUI screen to the user to confirm using the second payment account instead.

Abstract: An intelligent enterprise system and method is disclosed. The system and method include an input/output (IO) interface configured to receive information related to accounting information, a processor interconnected with a memory configured to store received information from the IO interface, and analyze the information to provide timely vendor spend analytics, and a display device configured to display the provided timely vendor spend analytics.

Abstract: The present solution provides a method for card reading, the method includes: turning on a read head of the magnetic stripe card, a read head of the contact IC card, and a coil of the non-contact IC card; detecting card reading actions; turning off, if the card inserting action is detected, the coil of the non-contact IC card; powering on the card when the card reaches a bottom of a card slot of the payment terminal; controlling, if the card is successfully powered on, the read head of contact IC card to read the card; controlling, if the card fails to be powered on, the read head of the magnetic stripe card to read the card when the card swiping action is detected; and controlling, if the card waving action is detected, the coil of the non-contact IC card to read card.

Abstract: A method including receiving, in a server, a selection of a first recipient from a group of contacts in a database for a package from a user, is provided. The method includes scheduling a delivery of the package to a first mailing address, providing a code configured to be scanned by a second recipient to indicate that the first recipient is not available at the first mailing address, and triggering a first notification to be sent to the first recipient when the code is scanned. The method includes receiving, from a first client device associated with the first recipient, a second mailing address of the first recipient in response to the first notification, and scheduling a pickup of the package to be shipped to the second mailing address. A system and a non-transitory, computer-readable medium storing instructions to perform the above method are also included.

Abstract: Provided is a system and computer-implemented method for encoding account tokens in image files. The method includes receiving, from a user associated with an account identifier, an identification of at least one image, generating at least one token based on the account identifier of the user, encoding the at least one token in the at least one image, resulting in at least one tokenized image, and communicating the at least one tokenized image to a transaction processing system, wherein the transaction processing system is configured to conduct a transaction based on the tokenized image.

Abstract: There are provided systems and methods for a physical stand for multiple device orientations and peripheral card reader. A device stand may include a dock that allows for placement and securing of a computing device within the device case, such as through a locking or connecting mechanism. The device dock further includes a peripheral component, such as a physical card reader, that allows for reading and entry of card data into the computing device for use with an electronic transaction processing application on the computing device. This allows the computing device to process transactions electronic with an online service provider. Further, the device stand includes a hinge or joint that allows for rotating and inverting of the computing device over a curved extension from a base of the device stand, which allows the computing device to be viewed in multiple directions and orientations.

Abstract: Systems, methods and computer program products are provided for managing contactless transactions. A first tap is performed when a system is placed within a predetermined proximity to a payment terminal. A first select command including an AID corresponding to a first application is received from the payment terminal. A first response based on the first select command is transmitted to the payment terminal. A data request including information indicating supported data types is received from the payment terminal. A second response based on the data request and including transaction data is transmitted to the payment terminal. The transaction data includes at least a portion of commerce data stored in the at least one memory.

Abstract: A system, a method, and a program for providing a virtual code, a virtual code generating device, and a virtual code verifying device are provided. The method includes receiving, by a virtual code verifying means, a virtual code from a virtual code generating means, extracting, by the virtual code verifying means, a plurality of detailed codes included in the virtual code, and searching for, by the virtual code verifying means, a storage location of a real code based on the plurality of detailed codes.

Abstract: A charging stand is a power supply facility that is storable under a ground, and includes: a power supply unit (including a connector, a power supply cable and a power supply circuit) for supplying electric power to a vehicle on the ground; and a control device that controls supply of the electric power by the power supply unit. The control device allows the supply of the electric power by the power supply unit when the water is not accumulated inside the charging stand. With the above, when the water is not accumulated inside the charging stand, the power supply unit can supply the electric power to the vehicle.

Abstract: Systems, devices and methods for monitoring and managing parts, enterprise resources and other assets, and alleviating risks, in a complex collaboration environment are provided. According to some example aspects of the invention, a device with a hardware- and software-based control system scans and/or writes unique asset-related information within a plurality of chemical, electromagnetic, or written data-bearing tags within, on or throughout an asset for use in a manufacturing, maintenance and/or tracking process. In other example aspects, the system records that asset-specific information (e.g., using secure network(s) and/or a blockchain), providing it for later access and modification by a number of trusted users, to track and control manufacturing-, maintenance-relevant or other factors. In still other example aspects, an enterprise resource planning system both outputs information to, and receives information from, the control system, reconciling changes in the data.

Abstract: The invention relates to an electronic transaction method. The method comprises carrying out an initiation communication between a terminal device and a mobile device, and carrying out an electronic transaction on the basis of the initiation communication between the terminal device and the mobile device. The initiation communication between the terminal device and the mobile device is a unidirectional communication in which initiation data is transmitted from the terminal device to the mobile device. The invention furthermore relates to a terminal device for use in an electronic transaction method, and to a transaction application for a mobile device for use in an electronic transaction method.

Abstract: A method, non-transitory computer readable medium, system and/or mobile device for authenticating security features, the mobile device for authenticating security features includes at least one sensor for detecting security features, a memory having stored thereon computer readable instructions, and at least one processor configured to execute the computer readable instructions to receive a target image of a product to be authenticated, the product including at least one security feature, identify the product to be authenticated based on the target image and product information stored in a product database, obtain sensor configuration information for the at least one sensor associated with the at least one security feature of the product based on the identified product, examine the at least one security feature of the product with the at least one sensor based on the obtained sensor configuration information, and authenticate the product based on results from the examination.

Abstract: Introduced here is a technology that enables a merchant to create customer-targeted, customized communications by use of a merchant platform executing on a financial service system. The merchant platform generates content for communications that is based on a particular customer segment. The customer segment includes one or more groups of customers segmented based on one or more attributes associated with each group of customers. An attribute is determined based on data collected by the financial service system, where the data is related to transaction data of a plurality of merchants.

Abstract: A cloud-based computing system is provided that includes a payments platform for integrating payment gateway services with a cloud computing platform so that clients of the cloud computing platform can perform payment transactions with customers via the cloud computing platform. The payment gateways that include a particular payment gateway. The cloud computing platform can include a multitenant database system that provides applications and services to a plurality of clients, and a payments platform module. Each client can be, for example, a tenant or organization of the cloud computing platform that transacts business with one or more customers via a payment gateway. The payments platform module has a pluggable architecture for integrating each of the payment gateway adapters with the cloud computing platform.

Abstract: A transaction payload is received that represents at least i) a transaction initiated between a merchant and a customer, ii) an identification of the merchant, iii) an amount of the transaction, and iv) a transaction account associated with the customer. The transaction payload is encrypted using the OEM device credential. Thereafter, the transaction payload is decrypted and validated. Furthermore, the transaction payload is encrypted using an issuer credential, and routed via a predetermined payment service provider to a device associated with the issuer. Thereafter, the processor(s) receive from a device associated with the issuer, approval of the transaction, and transmit approval information to the enrolled mobile computing device for notifying the merchant that the transaction is approved.

Abstract: Secure electronic payment is disclosed as it may be implemented for a point of sale machine such as but not limited to, vending machines/devices, parking devices/facilities, and laundry machines/facilities. An example secure electronic payment system includes a remote payment processing to confirm payment for a transaction at a point of sale device. The point of sale device is configured to receive a token from the mobile device for the transaction. A token processing module at the point of sale device confirms validity of the token. A transaction processing module executes the transaction at the point of sale device.

Abstract: According to an embodiment, an accounting apparatus includes a change machine, a detection device, and a controller. The controller determines whether or not the change machine is capable of paying change in cash on the basis of a result of a detection by the detection device. The controller accepts, when determining that the change machine fails to pay the change in cash, a payment method selected by a customer from a plurality of change payment methods other than paying in cash.

Abstract: Methods, apparatuses, and computer program products are disclosed for currency control. An example computer-implemented method includes receiving physical currency data associated with one or more physical currency notes and generating digital currency data based upon the physical currency data. The digital currency data includes a digital representation of the physical currency notes. The computer-implemented method further includes determining one or more selected physical currency notes for destruction based upon the digital currency data and may include querying a currency attribute database that includes one or more currency attributes associated with the physical currency notes. The computer-implemented method also includes causing destruction of the selected physical currency notes. In response to causing destruction of the selected physical currency notes, the computer-implemented method includes modifying the currency attribute database.

Abstract: A system including: a processor; and a memory having stored thereon instructions that, when executed by the processor, controls the processor to: receive a receipt request for a transaction from a remote device, the receipt request comprising a merchant identifier, a transaction amount, and a transaction date and time; query the receipt database for a receipt record corresponding to the transaction based on the merchant identifier, the transaction amount, and the transaction date and time, the query being conducted without the benefit of sensitive information; in response to identifying a receipt record corresponding to the transaction, retrieve the receipt record corresponding to the transaction from the receipt database; and output for transmission the receipt record to the remote device.

Abstract: A currency management system excels in security, and includes legal tender as a management target. A transaction information management device (TIMD) receives first transaction (Tr) information from a user terminal, and an account information management device receives second Tr information from the TIMD. The (TIMD) receives third Tr information from the account information management device, and a currency information management device receives fourth Tr information from the TIMD. The TIMD receives fifth Tr information from the currency information management device, and the TIMD sends sixth Tr information to a user terminal. The TIMD stores in the transaction information management device the first to sixth Tr information; and the account information management device and the currency information management device receive the first to sixth Tr information from the TIMD, and store the information in the account information management device and currency information management device respectively.

Abstract: A computer implemented method of processing a financial transaction executed by first person includes determining an automatic savings amount from the financial transaction by rounding up the amount of the financial transaction to the nearest dollar. The method further includes debiting the calculated savings amount from an account of the first person and crediting the savings amount to an account of a second person.

Abstract: In some examples, a computer-implemented method of managing an advertising exchange is provided. The method uses email data and provides an interactive user interface for controlling management of data in an email channel. One or more inputs of online audience data is received. The online audience data includes email channel inventory from multiple publishers, Offline audience data including offline shopping behavior is sourced from at least one or more offline source. The online audience data and the offline audience data is included in a unified customer database, and the interactive user interface includes interface elements selectable to present online and offline audience data sourced from the unified customer database.

Abstract: A dual-factor PIN based authentication system and method uses a cryptogram provided by a contactless card associated with the client in association with a PIN stored by the contactless card to authenticate the client. In some embodiments, cryptogram authentication may be preconditioned upon a PIN match determination by the contactless card. In other embodiments, the cryptogram may be formed at least in part using the personal identification number (PIN) stored on the contactless card encoded using a dynamic key stored by the contactless card and uniquely associated with the client. Authentication may be achieved by comparing the cryptogram formed using the PIN against an expected cryptogram generated an expected PIN and an expected dynamic key.

Abstract: Disclosed are systems and methods of capturing sensor data associated with a retail location. The systems and methods further include a point-of-sale device for processing customer transactions and generating an event trigger for capturing sensor data from one or more of the sensors at the retail location. In response to the event trigger, the systems and methods capture data from the one or more sensors at the retail location and provide access to the stored sensor data and event triggers via a user interface of the point-of-sale device for review of the stored sensor data and event trigger.

Abstract: A payment reader can have one or more kernels capable of performing certain payment processing functions but not capable of performing certain, more processing-intensive payment processing functions. The payment reader may be designed to selectively assign processing tasks to application layer kernels located on a mobile device and/or a cloud-based device external to the payment reader, the mobile device having more or different processing resources than the payment reader. The selective assignment may be made dynamically based on the measurement of a condition of the reader or an occurrence of an event, such as a determination that the payment reader cannot process a transaction, that the payment reader does not have sufficient battery strength to process the transaction, or that there has been a tampering attempt at the payment reader. The payment reader also has a physical layer module, which module maintains its processing on the payment reader.

Abstract: A dual mode payment interface device having a touch display and alternatively operating in a first mode and a second mode and an associated dual mode system are disclosed. The first mode provides access to a merchant system interface (MSI) on the touch display and provides access to a customer system interface (CSI) on the touch display. The second mode provides access to a CSI on the touch display and does not provide access to the MSI on the touch display. The system also includes a merchant display device having a second touch display. The merchant display device provides access to the MSI on the second touch display. The system also includes a wire that provides a communicative connection between the dual mode payment interface device and the merchant display device. The second mode is enabled by the communicative connection.

Abstract: Systems and methods to manage surge network traffic to an electronic commerce platform are described. The platform provider generates a static package that is placed in networked storage that is accessible through a web service interface. The package contains the information required to instantiate and render the interface of the service-hosting platform using the processor and resources of the computer that accesses the package via a browser. Based on the contents of the package, the rendered interface presents the services of the service-hosting platform using resources of the customer's computer without making any calls to a server to query a protected backend system. The inventory may be refreshed from time-to-time without causing traffic directed at the service-hosting platform. Access to the protected backend resources and platform resources is gated by threshold actions taken by the user.

Abstract: Described herein is a network apparatus with secure element and related systems, methods, and apparatuses. A described method includes receiving a request to perform a transaction. The method also includes obtaining confirmation that a network address associated with the request corresponds to a registered physical address. The method further includes obtaining account data and conducting a transaction using the account data.

Abstract: Embodiments of the present invention relate to systems, methods, processes, computer program code, and means for creating digital wallets for users. In some embodiments, digital wallets are created, at least in part, on information obtained from payment transactions conducted by users.

Abstract: Techniques for cooperative document generation include methods, one of the methods includes receiving, from a mobile device, a request to start an insurance claim, the mobile device including an application configured to guide the user through the claim process. The method includes establishing a session between a computer and the mobile device. The method includes displaying images of the user interface of the mobile device. The method includes receiving information concerning the insurance claim from the mobile device, the information provided by the user in response to prompts provided on the mobile device. The method includes displaying the information on the computer. The method includes enabling the customer service representative to alter the information or request additional information be provided. The method includes adding the information to a data record regarding the insurance claim in response to an indication that the customer service representative has verified the information.

Abstract: The systems and methods described herein provide for facilitating in-person payments at a transaction kiosk. First, the system provides an authentication interface for display at a network-enabled transaction kiosk. A user is authenticated at the kiosk via the authentication interface, and based on that authentication, the system detects a payment application and a payment request corresponding to the user, wherein the payment application is associated with a service provider and the payment request was created with the payment application. Next, the system identifies a user interface scheme associated with the payment application, and then updates the user interface for display at the transaction kiosk to match the user interface scheme, then initiates a blockchain payment based on the payment request.

Abstract: A method for enhanced authorization to access transportation hub services is provided that includes creating, by an electronic device, a token based on credentials of a traveler. Moreover, the method includes displaying the token by the electronic device for scanning for accessing a security service area and determining whether the credentials are valid. In response to determining the credentials are valid, a traveler operating the electronic device is authorized to access the security service area. Otherwise, the traveler is denied access to the security service area.

Abstract: Methods and systems are presented for dynamically adjusting a risk classification of a risk source based on classifications of one or more other risk sources. The risk engine may first classify a first risk source as a first risk type based on an initial analysis of the first risk source. Subsequent to classifying the first risk source as the first risk type, the risk engine may determine that a second risk source is associated with a second risk type. Based on the determination that the second risk source is associated with the second risk type, the risk engine may re-classify the first risk source as the second risk type. The risk engine may then use the reclassification of the first risk source to improve network security of an online service provider.

Abstract: A system and method for distributing data are provided. The system for distributing data which manages the distribution of data from one or more data transmitting nodes to a data receiving node, according to one embodiment of the present invention, comprises: an off-chain pool management unit; an integrity authentication unit; a data distribution verification unit; and a block chain storage unit.

Abstract: Systems, computer program products, and computer-implemented methods for visualizing and interacting with a plurality of models that collectively represent a real-world system depicted in a graphical user interface. The system described herein may generate an interactive graphical user interface with multiple modes and a plurality of panels associated with the plurality of models. These panels and modes lay the framework for how a user can properly visualize and analyze the models at a particular point in time or over a period of time. The systems, computer program products, and computer-implemented methods may thus, according to various embodiments, enable a plurality of models that collectively represent a real-world system be interacted with and visualized by a graphical user interface.

Abstract: Systems, methods, articles of manufacture, and computer-readable media for determining specific terms to activate a contactless card. An application executing on a server may receive a request from a device specifying a uniform resource locator comprising encrypted data, the encrypted data based at least in part on a private key assigned to a contactless card. The application may decrypt the encrypted data and determine a type of the contactless card. The application may determine a plurality of terms associated with the type of the contactless card and transmit the terms to a web browser on the device. The application may receive, from the web browser, an indication specifying acceptance of the plurality of terms. The application may store, based on the decryption of the encrypted data and the received indication specifying acceptance of the terms, an indication in a database specifying the contactless card is activated for use.

Abstract: A system, method, and computer program product for dynamic application selection for payment transactions determines identification data of an issuer institution associated with a portable financial device based at least partially on transaction data associated with at least one transaction at a merchant with the portable financial device. At least one electronic service application of a plurality of electronic service applications is determined based at least partially on the identification data of the issuer institution. Electronic service application data associated with the at least one electronic service application and stored in association with the issuer institution is accessed at a merchant system of the merchant. The at least one transaction is modified based at least partially on the electronic service application data associated with the at least one electronic service application.