Abstract: Various embodiments are related to apparatuses and methods for paying for a financial transaction using a proxy object. The proxy object can be associated with multiple payment accounts, for example accounts associated with credit cards and debit cards. A consumer can present the object to a payee to make a payment, and the payee can use a device to obtain information from the object. For example, when the proxy object is a proxy card similar to a credit card, the payee can use a card reader to read information from the magnetic stripe of the proxy card. The information can be transmitted to a financial system, and the financial system can communicate with a computer system that can select a payment account associated with the proxy card to use for the payment. The financial system can process the payment using the selected payment account.

Abstract: A device, system, and method for conducting a secure transaction over a network includes receiving from a user, being issued a stored-value financial instrument, a dollar amount to be associated to the stored-value financial instrument, communicating the dollar amount to a debit agent residing on a network processing and communication device, receiving at the debit agent a selection of a non-integrated financial institution selected from a list that includes at least one non-integrated financial institution, receiving at the debit agent a financial-institution user-identifier from the user, communicating the financial-institution user-identifier from the debit agent to the selected non-integrated financial institution, participating in a user-free electronic dialogue between the debit agent and the selected non-integrated financial institution, the dialogue including a request to transfer funds from the selected non-integrated financial institution, and transferring, with the debit agent, the funds from the s

Abstract: A method and system for making electronic payments is disclosed herein. The method for making a payment for items being purchased by a customer at a point of sale comprises acquiring and sending a payment pending notification comprising an account number of the customer and a first terminal identification number to a host system. A payment request comprising a total cost of the items, a second terminal identification number, and a control bank card number is then acquired and sent to the host system. The host system associates the customer's account in the host system with the purchase by correlating the first terminal identification number with the second terminal identification number. A payment decision using information in the customer's account is made with the host system and is sent to the point of sale, where the transaction is closed. A system configured to perform the method is also provided.

Abstract: A method and system for providing laundry services makes use of a laundry station having an interactive point-of-sale device operably connected to one or more laundry unit containers for housing items to be laundered. The laundry station is used: to receive and accept orders for laundry services from a customer, including the collection of payment from the customer; to provide information directing the customer to place their laundry in a designated laundry unit container in response to the order received from the customer; to generate and communicate an electronic message to instruct a laundry station operator or laundry services provider to fulfill the order.

Abstract: A method of facilitating activation of a general-purpose reloadable (GPR) card includes reading an activation storage medium from a GPR card using a point-of-sale (POS) terminal, wherein the GPR card is linked to a GPR account stored on a database. The method further includes collecting identification information from a card applicant and forwarding the collected identification information to a financial processing network, submitting an initial monetary amount to be loaded to the GPR account to the financial processing network, and communicating initial activation of the GPR account to the card applicant at the POS terminal after receiving activation approval from the financial processing network. The initial activation of the GPR account is a first phase of activation in a multiple phase activation characterized by the GPR account being available for use toward a price of purchases and unavailable for loading an additional monetary amount to the GPR account.

Abstract: Systems and methods for facilitating payment transactions using quick-response (QR) codes are provided. A first machine readable code encoding first data generated by an access device is scanned by a communication device. The communication device generates a cryptogram based on the first data encoded within the first machine readable code. The communication device then obtains financial credentials data from a payment application being executed on the communication device. A second machine readable code encoding second data comprising the financial credentials data and the cryptogram is then generated. The second machine readable code is displayed on a display of the communication device, wherein the second machine readable code is scanned by the access device.

Abstract: Provided are computer implemented methods and systems for messaging, calling, and one-touch payments via mobile and wearable devices. An exemplary system comprises a processor and a database in communication with the processor. The processor is configured to provide an integrated interface for selection of an activity mode. The activity mode includes a messaging mode, a calling mode, and a one-touch payment mode. The processor is further configured to receive the selection of the activity mode via the integrated interface from a user. If the messaging mode is selected, a message from the user is received and sent to a recipient via a data network. If the calling mode is selected, a data network call is initiated on a call request of the user. If the one-touch payment mode is selected, a payment request is transmitted to a financial organization.

Abstract: In various embodiments, the present invention is directed to a computer-implemented method for a track data point-of-sale platform. The computer-implemented method comprises receiving a transaction request by a processor configured to process point-of sale transactions. The transaction request comprises at least one parameter associated with a payment instrument configured for use in the point-of-sale transaction. The computer-implemented method further comprises identifying, by the processor, a transaction request type characterized by an identifier in at least one parameter associated with the payment instrument. The computer-implemented method further comprises processing, by the processor, the transaction request, according to the transaction request type. The computer-implemented method further comprises generating, by the processor, a response to the transaction request.

Abstract: Logic to register a personal point of sale (POS) device. Logic may communicate with the registration processor to establish a secure communication channel. Logic may access a basic input output system to obtain platform information. Logic may transmit the platform information to the registration processor to identify a certification associated with the device. Logic may communicate with a payment instrument via a card reader. Logic may transmit an encrypted message from the card reader to the registration processor to bind the payment instrument to the device. Logic may receive a communication from the device comprising platform information. Logic may perform a security protocol to establish a secure communication channel with the device. Logic may determine an existence of the certification for the device in the database based upon the platform information. And logic may register the platform in response to locating the certification of the platform.

Abstract: The present invention relates to a system and method for one button-based heterogeneous barcode integration authentication/approval which is capable of providing a one-button integration authentication/approval service for a heterogeneous barcode with existing barcode authentication affiliated stores infrastructures utilized as they are, and exchanging barcodes of existing gift certificates, coupons, pre-paid cards, credit cards, etc. possessed by a user for heterogeneous barcodes through a gateway operator server.

Abstract: A provisioning system for enabling a mobile communication device to operate as a financial presentation device (FPD) which is presentable to providers of goods or service is provided. The provisioning system relies on a transaction processing system that normally routes authorization requests from merchants to issuers of FPDs for purposes of authorizing FPD transactions. The transaction processing system already stores security keys of all issuers in order to validate transaction data being sent from the merchants. The provisioning system monitors authorization requests being routed through the transaction processing system and retrieves an authorization request of a financial transaction that was initiated with a particular FPD.

Abstract: An interrogating and processing system and method is described. A wireless communication device interrogates an information source, having a barcode or tag, and wirelessly transmits data indicative of the information source. The interrogator can be built into or adjunct to the wireless communication device. An automated processing subsystem receives the transmitted data and identifies an item corresponding to the data. A fulfillment subsystem effects delivery of the item to a destination. There can be a coupon code scanning and processing system and method. A wireless computing device having an interrogator reads a coupon code. An automated processing subsystem receives the corresponding data and provides a benefit associated with the coupon. The benefit can be a discount on a product or service. Alternatively, at least a portion of the coupon including a code is displayed on a screen of the computing device for processing at a point of sale terminal.

Abstract: A merchant point-of-sale terminal may include a local merchant file having a list of preferred AIDs (application identifiers) determined by the merchant and used to select the payment vehicle used to conduct a transaction with a smart card. The list of preferred AIDs may be used in a priority established by the merchant.

Abstract: Systems, methods and computer program products for facilitating payments using low-cost barcode or RFID tags are disclosed. Such tags can be attached or affixed to physical, real-world objects thus allowing the objects to be purchased using a customer mobile device, without the need for a dedicated, on-site point-of-sale system. The tags may be constructed from paper, metal, leather, plastic or some other low-cost material. The tag allows a unique visual identifier such as a tag code to be imprinted so that it can be read using a mobile camera or other sensor enabled telephone.

Abstract: A method for managing mobile payments in a mobile phone. The method includes receiving data associated with a plurality of issuer specific payment services at a mobile phone, selecting one of the issuer specific payment services, and conducting a transaction using the phone.

Abstract: A wearable mobile scanner system processes a retail store purchase in a convenient, time efficient and reliable manner. The wearable mobile scanner system includes a forearm portion and a hand portion. The forearm portion comprises a main body member and at least one strap member and is adapted to secure the forearm portion upon a user's forearm. The hand portion comprises a central forehand member, a palm member, and a forefinger aperture, wherein the hand portion is aligned with the forearm portion and wherein the hand portion is adapted to receive a hand of the user. A trigger member is located on the forefinger aperture in communication with a USB scanner input device mounted on the central forehand member of the hand portion. A system integrated therein enables store level real-time inventory management and a fully functioning mobile POS for selling merchandise throughout the store and beyond its walls.

Abstract: A hardware/software architecture and process methodology are disclosed by which mobile payment platforms are enabled in an existing payment processor's merchant base at their point of sale system (“POS”) without the necessity of implementing new hardware or software at the merchant level and for each of said merchant's POS system.

Abstract: Embodiments of the invention are directed to purchasing fuel for a vehicle from a fuel station. An exemplary apparatus is configured to: initiate a fuel purchase application; determine identification information associated with a fuel pump that will be used for fueling the vehicle; and transmit a purchase authorization request to an external server based on the identification information.

Abstract: Techniques are disclosed for enabling more efficient tipping by enabling a merchant to customize sales receipts for customers. The generated receipts may have a quick legend section. In one embodiment, a method includes automatically determining, based on one or more rules, an algorithm by which a plurality of selectable tip options for a transaction are to be calculated. The method further includes calculating, according to the algorithm, the plurality of selectable tip options for inclusion in a section of a transaction receipt for a transaction, generating the section on the transaction receipt, and enabling a user to configure the one or more rules so as to adjust how the algorithm is determined and how each of the selectable tip options is calculated under the algorithm. Among other benefits, the disclosed techniques increase the efficiency in tipping, reduce the chances for error, and enable a better overall shopping experience.

Abstract: Aspects of the invention may involve systems, methods, and computer readable medium. In an embodiment of the invention, a computer-implemented method for paying for usage of a pay per use device may be provided. The method may transmit device identification information from the device to a server. Device setup information and vend price may be received and the vend price may be displayed. User identification may be received and transmitted to the server. An account balance value may be received and displayed on the display. A start request may be received and transmitted to the server. The device may start and an updated account balance may be displayed.

Abstract: A system for programming point of sale devices is provided. The system includes a terminal programming system that can program point of sale devices provided by different manufacturers and having different proprietary operating systems. A communications interface is connected to the terminal programming system that receives update requests from the plurality of point of sale devices, such as when the point of sale devices call in to the system or when the point of sale devices respond to a poll.

Abstract: A system for monitoring inventory, dispensing activities and irregularities associated with service and sale of beverages primarily, but not exclusively, liquor beverages. A processor includes display facilities and communication capabilities and is operatively associated with a scale assembly disposed in supporting relation to each of a plurality of containers associated with each of the plurality of beverages. RFID tags are connected to each of the beverage containers for wireless communication between tag readers associated with the scale assembly thereby providing beverage identification and recognition. A tracking application is associated with the processor and structured to monitor usage activities of the plurality of beverages in association with the scale assembly.

Abstract: An invention is disclosed whereby Merchant Card Swipe Terminals, as well as Tablet or PC Computer-based POS systems having card swiping devices are enabled via a software-based solution to interface with multiple mobile payment/mobile wallet solutions and provide check out functionality for corresponding mobile payment platforms. The software is implemented within the card swiper unit and via remove cloud-based server environment connected via the internet to the card swiper unit.

Abstract: Techniques for secure mobile payment are provided. A credit or gift card is registered for additional security, such that a secure identifier or personal identification number (PIN) is required for use of the credit or gift card. Registration is not required or even known by the third-party payment service associated with the card. Subsequently, when a consumer attempts to use the card and before payment instructions are sent to the corresponding third-party payment service, the secure identifier or PIN is requested and verified. If properly verified, the payment instructions are forwarded for processing by the third-party payment service.

Abstract: A point-of-sale (POS) terminal and a POS system, by which the cost spent for the establishment of the POS system is reduced. Ordering, payment and management of sales information can be conducted irrespective of location, thereby maximizing user convenience. The general functions of a POS terminal, such as barcode scanning, near-field communication (NFC), signing, and the like, can be performed based on a variety of functions of a mobile terminal in order to provide an optimum solution in any sales environment.

Abstract: A card holder carries out an initial top-up of a balance of a pre-paid payment card. The prepaid payment card is configured for use in an infrastructure in accordance with a payment specification requiring different behavior for normal transactions in the infrastructure versus that required for topping-up of the balance. Contemporaneously with the initial top-up, the card holder registers risk mitigation information in association with the pre-paid payment card. Subsequent to the initial top-up, an indicator is written to the pre-paid payment card during a transaction with the pre-paid payment card outside the infrastructure. The indicator identifies the pre-paid payment card as having the risk mitigation information associated therewith. During subsequent presentation of the pre-paid payment card to the infrastructure, the pre-paid payment card is treated as a token backed up by the risk mitigation information, based on presence of the indicator on the pre-paid payment card.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing user information to a merchant during a transaction. Embodiments may generate a readable indicia encoding user information and initiate display of the readable indicia on a display for presentation to the merchant such that the merchant may read the readable indicia and determine the user information stored in the readable indicia. Some embodiments receive and store the user information in the memory device, and receive user input requesting generation of the readable indicia. Some embodiments receive and store a plurality of profiles, where each profile is associated with some or all the stored user information and receives user input selecting one of the profiles, and receive user input requesting generation of the readable indicia based on the selected profile.

Abstract: The present invention provides a method and apparatus for completing a transaction using a wireless mobile communication channel and another communication channel, particularly another communication channel that provides for near field radio channels (NFC), as well as other communication channels, such as Bluetooth or WIFI. The present invention also provides a method of completing a transaction in which a management server assists a transaction server and a point of sale terminal in forwarding transaction information to a hand-held mobile device, with the transaction having originated from the hand-held mobile device. There is also provided a hand-held mobile device that wirelessly communicates between a secure element and a radio element that are associated with the hand-held mobile device.

Abstract: The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.

Abstract: A payment device is disclosed. It includes a memory including payment data; and a display coupled to the memory. A processor is configured to execute one or more instructions for displaying the payment data on the display. The payment device is in the form of a card.

Abstract: A kiosk dispenses and receives recorded optical media using an interconnected central server, through an Internet Service Provider. The central server has databases and processing capabilities and is connected to a credit verification system. The databases collect inventory administration information and customer data (e.g., credit card information and email addresses) from the kiosks. The central server initiates credit verification, sends receipts to customers via email and maintains databases for remote inventory-control and administration of the kiosk network. A kiosk may identify a recorded disk for automated restocking and perform quality assessment of a recorded disk. The kiosk may provide publishing-on-demand or act as a portal for remotely served advertisements. The kiosk preferably includes a rotatable carousel with a selection of DVDs. A digital camera captures a digital image of a disk barcode and internal software rotates the image to “read” the barcode, to control inventory and access issues.

Abstract: Embodiments of the invention include systems, methods, and computer-program products for a clearing house for directing readable indicia to/from merchants, users, and/or vendors. As such, merchants, users, and vendors may all be able to recognize, read, and complete transactions using any readable indicia, irrespective of the vendor providing the readable indicia. In some embodiments, the invention may provide merchants or users with readable indicia from one or more readable indicia vendors. In other embodiments, the invention may recognize readable indicia communicated to the system based on the vendor associated with the indicia. As such, the invention provides a clearing house for the directing, such as receiving, translating, and communicating readable indicia between parties of a transaction, such that each party may be able to recognize the readable indicia and complete the transaction.

Abstract: Disclosed are payment system and methods in which a shopper pays with a temporary payment token that is a number (such as a 7-digit number that appeared on the screen of the shopper's mobile phone) at a POS device, without the shopper needing have his own mag-stripe card.

Abstract: Interactive circuit based use of devices with touch screen technology, includes: a server connected to the Internet; a web portal resident in the server together with respective databases; personal identification cards on which the card owners' identification data are stored; a plurality of interactive cores, each including: at least one touch screen device provided with at least one surface clickable at the touch of a finger and at least one screen having at least one section dedicated to the portal resident; at least one local computer for managing the screen and data displayed thereon; at least one device for reading personal identification cards; an Internet access point; wherein the interactive cores, the profiles/sites and any websites are interconnected and interact via the portal resident, to create a professional circuit, which can be controlled centrally, between subjects who belong to the circuit and are each provided with the interactive cores.

Abstract: A system and method for controlling financial transactions is disclosed. A customer, using a wireless device, identifies a point of sale and the amount of a transaction at that point of sale is first communicated to a central service and then transmitted to the wireless device for display at the wireless device. The customer can either accept the transaction amount to complete the transaction or reject the amount to cancel the transaction. The customer may have to enter a password or personal identification number to verify the authorization to use the wireless financial system. The customer is billed for the transaction via credit, debit, ATM or other methods, such as the wireless carrier or an internet provider.

Abstract: The mobile commerce authentication and authorization system allows a user of a currently existing mobile wireless communications instrument to conduct financial transactions, including purchases, across a wireless communications system using location data to authorize and authenticate the user and the transaction. The location of the mobile wireless communications instrument and the location of a vendor point-of-sale device are matched with a payment sum. Authentication of the mobile wireless communications instrument user is achieved at least by application of the position and/or location determinable features of the mobile wireless communications instrument, the position and/or location of a point-of-sale device of a vendor or merchant where the instrument user seeks to purchase goods or services, and the payment sum entered on the point-of-sale 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 system and method is provided for payment processing with restricted receipt information. In an embodiment, a method is also provided. The method includes receiving a request for billing information from a POS (point-of-sale) terminal at a payment processor for a customer to pay a merchant at the POS terminal. The method further includes providing billing information to the POS terminal. The billing information includes a bill amount and an additional fee amount. The billing information further includes a predetermined code to be included on a receipt from the POS terminal. Matching of the predetermined code on the receipt of the customer and the token document provides proof of payment for the order. The method also includes receiving confirmation of payment from the POS. The method further includes sending payment information to the merchant about the customer payment.

Abstract: Techniques for credit card processing are provided. A credit card with a wireless interface wirelessly connects with a mobile device of a consumer that possesses the credit card. The mobile device is a relay between the credit card and a transaction processing device for a transaction to prove the credit card is present for the transaction and obtain Card Present rates for a retailer of the transaction.

Abstract: A system, method and apparatus for payment processing using dynamic barcodes is provided. In an embodiment, a method is provided. The method includes receiving a request to stage an order, including information identifying a merchant. The method further includes determining current order information for the merchant. The method also includes producing a token identifier for the order. The token identifier includes an item code and a ticket identifier. The item code identifies or references an economic understanding for the order. Additionally, the method includes staging the order within a system to allow for completion of the order later in time. The order completes through notification of payment to a POS terminal by a consumer and fulfillment of the order by the merchant. The method further includes sending the token identifier to the merchant. The token identifier is to be provided to the consumer for use by the consumer in paying for the order at the POS terminal.

Abstract: The subject matter disclosed herein relates to systems for providing an interactive document reader.

Abstract: A mobile money system comprising: at least one mobile money device configured with at least a CPU, a GSM engine, antenna, display, keypad/touchpad, printer and SIM reader; and at least one external SIM card configured to be read by the reader; wherein the mobile money device uses a SIM Tool Kit application stored on the external SIM card to process at least one mobile money transaction.

Abstract: Disclosed herein are techniques for providing a digital receipt to a consumer upon tender of payment to a merchant through the use of a proxy payment card in a financial transaction. The proxy payment card can be associated with multiple financial accounts (e.g., accounts associated with credit cards, debit cards, or gift cards). The digital receipt is automatically received at a personal computing device of the consumer in response to the financial transaction being charged to a financial account associated with the proxy payment card. The digital receipt includes information indicative of the financial transaction. The digital receipt can also include one or more interactive components that allow the consumer to interact with the transaction (and/or merchant) subsequent to transmission of the receipt, such as adding a tip, providing feedback, redeeming a promotion reward, tracking loyalty reward points, or reviewing transaction records of past and present transactions.

Abstract: The invention comprises a system and method for customizing a vendor's sales experience to a customer. The system includes at least one mobile device that executes a mobile application, and a simulation apparatus that simulates the physical characteristics of a real-world environment. The mobile device tailors the sales process to the customer by gathering information from the customer, retrieving customer information stored by the vendor, and recommending and displaying products based on this customer information. The sales process is further personalized by simulating how the product would look, sound or perform in its intended real-world environment with a simulation apparatus. The customer may control the simulation apparatus by interfacing with the apparatus directly, or by interfacing with the mobile device, which communicates to the simulation apparatus. Other variations and enhancements are disclosed.

Abstract: A comprehensive platform for merchandising intellectual property (IP) and conducting IP transactions is disclosed. A standardized data collection method enables IP assets to be characterized, rated and valuated in a consistent manner. Project management, workflow and data security functionality enable consistent, efficient and secure interactions between the IP Marketplace participants throughout the IP transaction process. Business rules, workflows, valuation models and rating methods may be user defined or based upon marketplace, industry or technology standards.

Abstract: A semi-tractor trailer for distribution of natural gas and a system and method for use of the same are disclosed. In one embodiment, a semi-tractor trailer supported fuel receptacle has a plurality of metered fuel dispensers along the sides thereof to permit customers to park along side the semi-tractor trailer and fuel their vehicles with clean natural gas, which may be compressed natural gas or liquid natural gas, for example. The semi-tractor trailer is filled at a central filling location and transported by a tractor to a convenient retail location. A volume monitor monitors the volume of clean natural gas in the semi-tractor trailer and transmits this information to the central filling location, which may dispense a replacement semi-tractor trailer upon the volume of clean natural gas reaching a pre-determined threshold and retrieve the spent semi-tractor trailer in one trip.

Abstract: Systems and methods are disclosed for conducting transactions and financial transfers utilizing a mobile device communicatively coupled with a mobile communications network and executing a mobile point-of-sale application. According to some embodiments, the mobile point-of-sale application is adapted to conduct money transfer transactions by communicating transaction information through the mobile communications network to a money transfer provider system that processes the money transfer and communicates receipt information to the mobile point-of-sale application. Additionally, according to some embodiments, an account associated with an agent of the money transfer provider can be used in money transfer transactions conducted by the mobile point-of-sale application.

Abstract: A method includes obtaining data from a portable electronic device in which the data regards information obtained using the portable electronic regarding the transaction, and information obtained using the portable electronic regarding at least one of a physical location of the portable electronic device when obtaining the information regarding the transaction and the time of the day when obtaining the information regarding the transaction, and processing the transaction based on the data regarding the information regarding the transaction and the at least one of the information regarding the physical location of the portable electronic device when obtaining the information regarding the transaction and the time of the day when obtaining the information regarding the transaction. The method may be employed in a point-of-sale transaction for the purchase of products at checkout.

Abstract: Multi-mode computing systems for point of sale transactions are disclosed. According to an aspect, a computing system includes a first housing and a processing device disposed in the first housing. A user interface and a first input/output interface is integrated with the first housing and in communication with the processing device. The first input/output interface is configured to receive power for delivery to the processing device. A second housing is configured to carry the first housing. An attachment mechanism is configured to selectively attach together the first housing and the second housing for carry of the first housing. A second input/output interface is configured to be communicatively coupled to the first input/output interface when the first housing and the second housing are attached. A power source is connected to the second input/output interface for delivery of power to the processing device via the first input/output interface.

Abstract: A portable e-pay system and method, comprises a card reading module to charge customers by reading their credit cards. The system further comprises tax information memory used to store transaction information with an electronic signature, and the system also comprises a volatile memory used to store the information of a taxpayer. Furthermore, the portable e-pay system also has a printer, a credit-card authorization module and a credit-card payment request module.