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.

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

Abstract: Verifying a user includes: receiving a service request; generating a text based first dynamic password upon receiving the service request; converting the first dynamic password into sound information; transmitting the sound information to a user terminal over a communication network; receiving over the Internet a second dynamic password entered by the user based on the sound information, the second dynamic password being a text based password; comparing the first and second dynamic passwords for consistency; and indicating that verification is successful if the first and the second dynamic passwords are consistent.

Abstract: A method for conducting PIN authorized EMV payments using an ordinary mobile phone. The credit card payment is conducted using a merchant's device comprising a card reader and a mobile phone a payment server and a buyer's mobile phone. A PIN entry request is sent from the merchant's device to the buyer's device via the payment server. A secure application in the buyer's device is executed and a PIN code may be entered securely. The entered PIN code is either verified, via the payment server, against the credit card in said merchant's device or against a bank server. Thus, secure credit card payments can be performed using an ordinary unsecure mobile device's.

Abstract: In some embodiments, an electronic device comprises an input interface, a communication interface, a processor, and logic to initiate, in the electronic device, a secure communication session with a credit server, select at least one credit source, receive, in the electronic device, a payment credential associated with the at least one credit source, receive, from a point of sale device, a request for payment information for a purchase transaction, wherein the request specifies a predetermined format for the payment information, format, in the electronic device, payment information comprising the payment credentials in the predetermined format, and transmit the payment information from the phone to the point of sale device. Other embodiments may be described.

Abstract: A method for activating and funding a stored value, prepaid card account includes acquiring, with a point of sale (POS) device, a first data set associated with the card and purchase thereof, and a second data set associated with the card and activation, deactivation, funding, loading, and reloading thereof. The method also includes transmitting a specific transaction trigger amount for card account activation and transmitting the second data set across a universal payment network to an authorization system associated with the second data set. The method further includes transmitting, from the authorization system, a transaction approval message to the POS including data relating to a funded value of the account, an electronic settlement message causing payment to the merchant for selling the card, an electronic message in the amount of the funded value of the account plus the specific transaction trigger amount, and an electronic message to debit the account.

Abstract: Methods for operating a portable electronic device to conduct mobile payment transactions are provided. The electronic device may include near field communications circuitry having a transmitter, a receiver, and a field detector for detecting a field from a merchant terminal. The receiver is typically idle. The receiver may be activated when the field detector detects that the electronic device is within the field of the merchant terminal. The transmitter may then be used to perform link establishment and data transfer. If the payment transaction fails for any reason, one or more hardware settings on the electronic device may be adjusted to help increase the chance of a successful transaction in a subsequent payment attempt. Another transaction may be attempted when the user moves the device out of the field and back into the field or may be performed automatically as long as the device is still within the field.

Abstract: A mobile scanner gun system efficiently and reliably processes a retail store purchase and/or performs daily store inventory management functions. The system has a main body portion extending toward a handle portion, the main body portion having a base, side walls, a front wall and a back wall constructed to form an interior cavity, wherein the front wall includes an aperture with a lens recessed therein. The front wall has a trigger member located near the base of the main body. A USB MSR input device integrated on the short edge of the mobile tablet device (upper receiver) is used for processing payment card sales transactions through a secured PCI compliant, end to end encrypted bank card processor. The mobile tablet device has a system integrated therein that enables real-time store level inventory management and fully functioning POS capability for selling merchandise in a retail sales environment.

Abstract: A payment facilitating system for use with a mobile communicator and a point of sale (POS) terminal, the system including a Near Field Communication (NFC) financial transaction communication link between the mobile communicator and the POS terminal, the NFC financial transaction communication link being operative to communicate NFC data for use in a financial transaction, a non-NFC financial transaction communication link between the mobile communicator and the POS terminal, the non-NFC financial transaction communication link being operative to communicate non-NFC data for use in the financial transaction, and a transaction effector operative to complete the financial transaction using both the NFC data communicated directly between the mobile communicator and the POS terminal over the NFC financial transaction communication link and the non-NFC data communicated directly between the mobile communicator and the POS terminal over the non-NFC financial transaction communication link.

Abstract: A card transaction platform, comprising a card reader configured to read a card for use in a transaction; and a card processing application in communication with the reader, the card processing application configured to: receive a service or product selection associated with a price, display the selected service or product description and price, receive a confirmation of the selected service and price, receive an image associated with the transaction, generate a receipt with a transaction summary and that include the image, and transmit the receipt to an address associated with the transaction.

Abstract: A method is disclosed. The method includes providing tender at a point of service terminal operated by a load agent, the point of service terminal being in operative communication with a payment processing network. The point of service terminal thereafter sends a transaction authorization request to an issuer of a portable consumer device to be used by a user. The issuer then authorizes or does not authorize the transaction authorization request. If the transaction authorization request is approved, the portable consumer device is either initially loaded or reloaded with an amount associated with the tender provided at the point of service terminal.

Abstract: A mobile scanner gun system efficiently and reliably processes a retail store purchase and/or performs daily store inventory management functions. The system has a main body portion extending toward a handle portion, the main body portion having a base, side walls, a front wall and a back wall constructed to form an interior cavity, wherein the front wall includes an aperture with a lens recessed therein. The front wall has a trigger member located near the base of the main body. A USB MSR input device integrated on the short edge of the mobile tablet device (upper receiver) is used for processing payment card sales transactions through a secured PCI compliant, end to end encrypted bank card processor. The mobile tablet device has a system integrated therein that enables real-time store level inventory management and fully functioning POS capability for selling merchandise in a retail sales environment.

Abstract: A mobile scanner gun system is designed for a retail store with integrated mobile tablet device carried by employees. The mobile tablet device is connected to the pistol gun base housing through a base mount universal receiver with rotational coupling, and communicates to a USB barcode scanner/reader and MSR through a specialized universal serial bus wiring harness. The Main PCB has an EEPROM controlling operations of a scanner and an MSR. The mobile tablet device has mobile applications which allow wireless communication in the form of Wi-Fi or wireless cellular with a POS store systems server and corporate ERP system, and also commands the EEPROM. Merchandise to be purchased is scanned and received by the mobile tablet device and then sent wirelessly to the POS store systems server and corporate ERP system to obtain product data concerning description, price, inventory, electronic and physical coupon, promotions, customer loyalty data and rewards.

Abstract: A method and system for using a secured account number for processing proximity types of wireless financial transactions associated with portable consumer proximity devices is disclosed. In one embodiment, the method includes receiving a proximity type of wireless financial transaction request along with a secured account number from a portable proximity consumer device such as a contactless smart card, converting the secured account number to the user's real account number, and transmitting the financial transaction request along with the user's real account number to the issuer of the user's real account number for authorization and processing.

Abstract: A retail store purchasing system has a plurality of wearable mobile scanner systems with mobile tablet devices integration capability therein adapted to be carried by employees. Each wearable mobile scanner system comprises a mobile tablet device attached to a wearable base housing directly below it, and connected by a base mount universal receiver with rotational coupling. The Main PCB has an EEPROM controlling operations of a USB scanner and MSR. The mobile tablet device has an application which allows wireless communication with a POS store systems server and also commands the EEPROM. A product to be purchased is scanned by activating a button associated with said wearable mobile scanner system. This scanned data is received through the Main PCB to the mobile tablet device USB port and is sent wirelessly to the POS store systems server to obtain product data concerning description, price, inventory and promotions.

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

Abstract: A method and system utilizes an interface for the blind and low vision passengers in a touch screen passenger information module (PIM). The PIM is enabled to operate in at least two modes. A low vision mode provides different user input framework on the touch screen as well as appropriate audio prompting. The interface enables a blind or low vision person to interact with the PIM easily, including using the PIM to pay for the fare. The low vision mode can be initiated by the passenger.

Abstract: A disclosed transaction processing method includes transmitting a request to a credit aggregator in response to a message from a point of sale device to a wireless communication device of a user. Responsive to receiving credit account information from the credit aggregator, a user interface indicative of at least some of the credit account information including account identification information for a plurality of user credit accounts is displayed. Responsive to detecting a user selecting one of the plurality of credit accounts, credit account information is transmitted to the point of sale device. The request may include information identifying the user. The message from the point of sale device may indicate a price associated with the transaction. The credit account information may include available credit information, current balance information, closing date information, payment date information, annual percentage rate information, and so forth.

Abstract: A method and a system for electronically transacting a purchase between a purchaser and a merchant are disclosed. The method includes storing accrued incentives on an intelligent data carrier medium via interactive television (DTV/STB) equipment and redeeming a discount or a value corresponding to the accrued incentives present on the data carrier medium when a purchase is made. The electronic purchase system using an electronic network contains a purchaser interactive television (DTV/STB) equipment connected to the electronic network, a fixed intelligent data carrier medium connected to the interactive television (DTV/STB) equipment for service authentication and decryption and a detachable intelligent data carrier medium connected to the interactive television (DTV/STB) equipment.

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

Abstract: A display system comprises a display housing and an attachment member. The attachment member attaches to and supports the display housing. Further, the display housing slides relative to the attachment member. In some embodiments, the system comprises multiple displays in which one display slides relative to an attachment hinge that supports such display.

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

Abstract: A real time paperless payment control and electronic receipt system for managing transaction receipts (20) issued by a point of sale (30), comprises the steps of providing an electronic receipt card to the consumer that comprises a consumer identifier, providing retailers with electronic means (30, 31) generating an electronic transaction receipt, transmitting the electronic transaction receipt (20) together with the costumers identifier to an electronic receipts storage means (41), providing at least one interface (35) to access manage and organize stored electronic receipts (20) within said electronic receipts storage means (41).

Abstract: A digital image of the object is captured and the object is recognized from plurality of objects in a database. An information address corresponding to the object is then used to access information and initiate communication pertinent to the object.

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

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

Abstract: A method of providing rewards to a user by storing, in a portable computing device, user profile data which may be accessed by a merchant terminal. A merchant terminal interacts with the portable computing device by accessing the user profile data from the portable computing device, and providing the user with a reward in accordance with the user profile data accessed by the merchant terminal, wherein the merchant terminal provides a relatively greater reward to the user when relatively more user profile data is accessed by the merchant terminal and a relatively lesser reward to the user when relatively less data is accessed by the merchant terminal.

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

Abstract: A payment facilitating system for use with a mobile communicator and a point of sale (POS) terminal, the system including a Near Field Communication (NFC) financial transaction communication link between the mobile communicator and the POS terminal, the NFC financial transaction communication link being operative to communicate NFC data for use in a financial transaction, a non-NFC financial transaction communication link between the mobile communicator and the POS terminal, the non-NFC financial transaction communication link being operative to communicate non-NFC data for use in the financial transaction, and a transaction effector operative to complete the financial transaction using both the NFC data communicated directly between the mobile communicator and the POS terminal over the NFC financial transaction communication link and the non-NFC data communicated directly between the mobile communicator and the POS terminal over the non-NFC financial transaction communication link.

Abstract: A retail gift card system with integrated account and electronic receipt tracking is disclosed. The retail gift card system comprises an internet-accessible customer account and a customer account linked gift card. The gift card is used to purchase merchandize from a retailer-operated store, whereupon transaction data, monetary value data, and/or electronic receipt data is contemporaneously captured and stored on a retailer-operated computer network in association with the customer account. To promote customer convenience, the gift card is provided with a machine-readable link to the customer account, thereby enabling “on-the-spot” access using, for example, a smartphone. Particular embodiments of the system include a balance depositing function and/or electronic coupon and warranty coupling.

Abstract: A computer implemented method for adding value to a stored value card in excess of the purchase price for the stored value card is provided. In one embodiment a stored value card transaction processor receives an activation or redemption request for a stored value card from a point of sale terminal. The activation or redemption request comprises at least one of a card identification, a point of sale terminal identification, a merchant identification, and a time of activation which is compared to data stored in a stored value card datastore to determine if the stored value card to be activated is eligible for a value added award. The processor then determines the value added award and modifies the request to include the value added award. The processor then transmits the modified request to the card issuer authorization system and receives a response which is forwarded to the point of sale terminal.

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

Abstract: A receipt store may be provided as a service. Electronic payment receipts generated in any type of transaction may be delivered to the receipt store. A customer may subscribe to a particular receipt store, to be used as a repository for that customer's receipts. The customer may carry a device that is used to communicate payment information (such as a credit card number) to a device reader when purchases are made. The device may also identify the customer's receipt store. A commercial establishment that accepts the customer's payment may generate an electronic receipt, and may deliver it to the receipt store specified by the customer's device. The establishment may also deliver the receipt to the customer's device, and the customer's device may send the receipt along to the receipt store.

Abstract: A method for account parallel processing used by an account processing center to process a request for account operation is disclosed. The method comprises: (1) categorizing accounts as high parallel occurrence accounts and common accounts; (2) when receiving the request from the client for processing operation of an account, firstly determining whether the account is a high parallel occurrence account; and if the account is a high parallel occurrence account, continuing to a step (3), otherwise, conducting a step (4); (3) if the account is locked, queuing a current operation to wait until implementation of the current operation; and (4) further determining, by the account processing center, whether the account is locked and outputting an error message when the account is locked, otherwise implementing the current operation. Such method provides more high quality services to the high parallel occurrence accounts.

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

Abstract: A portable hand-held multi-function device, such as a smart card or other peripheral device, and method of using same for purchase transactions. The device has processing circuitry, program storage, data memory, and a user input device. A plurality of transaction applications are stored in the data memory. The processing circuitry is programmed via instructions in the program storage to use, as a result of a user selection received via the user input device, one of the plurality of transaction applications for making payment for a purchase from a merchant in a purchase transaction.

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

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

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

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

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

Abstract: An identification and registration system including a scanner (J) for making a digital copy of an identity document (K), a server (A), transmission means for transmitting said digitized copy, character recognition means (E) for extracting from said digital copy information relating to identity, a database (B) for storing said digital copy and said identity-related information, a EPT/POS electronic payment terminal (I), transmission means for transmitting said identity-related information to said EPT/POS, a telephone (H) associated with a secret code, transmission means for transmitting the number of said telephone from said EPT/POS to said server, means for sending by said server to said EPT/POS a melody to be played, means (C) for calling said telephone by said server, and means of audio identification (C) by said server of said melody via said telephone call to said cellular telephone.

Abstract: The present invention is a security and fraud prevention system which utilizes and controls security devices and uses short message text (SMS) notifications to enhance the security of point-of-sale credit or debit card transactions, using card swipe terminals at retail checkout stations. The invention, through the use of the System's firmware programmed on and located within the card swipe terminal, directs a remote digital camera located at the point-of-sale checkout station, to take a simultaneous photo of the respective cardholder, each time a credit or debit card is swiped at that checkout station. The photo is time stamped and stamped with the identical transaction number and transaction information, which is otherwise generated by the swipe terminal when the credit or debit card is swiped and details of the transaction are transmitted to the VPN for purchase authorization.

Abstract: System and method for a second credit card issuer to provide transactional credit to a credit cardholder of a first credit card issuer, when the cardholder's account with the first issuer is in good standing and has an available credit balance equal to, or greater than, a proposed financial transaction with a merchant who does not accept the credit card of the first issuer, but does accept the credit card of the second issuer. The second issuer may charge a convenience fee to the customer, merchant, first credit card issuer, or any combination of them, for providing the transactional credit. Additionally, the second issuer may provide transactional credit to a customer to complete a financial transaction, via a reactivated credit card account of the second issuer, when the customer has a closed credit card account of the second credit card issuer that was closed in good standing.

Abstract: Systems, methods and articles for automating the process of registering a product purchased by a consumer from a merchant in a purchase transaction. Product data including product identification data is obtained from a merchant electronic point of sale system as the consumer checks out. The product data is then automatically transmitted to a product registration system, such as via a consumer's mobile communication device having a product registration app. An auto-registration database is accessed to see if auto-registration is available for the product. If auto-registration is available for the product, then a request is made to the consumer to authorize auto-registration for the product. If the consumer accepts the auto-registration, then consumer data, such as the consumer name and contact information, is sent to the product registration system. The product registration system then creates a product registration record using the product data and the consumer data.

Abstract: A method includes receiving transaction information at a mobile device from a merchant device. The transaction information includes a transaction amount and merchant information that identifies a merchant that operates the merchant device. The method further includes generating a funds transfer request in the mobile device. The funds transfer request includes the merchant information, information that indicates the transaction amount and information that identifies a customer of the merchant. The funds transfer request is for requesting that funds be transferred from a payment card account that belongs to the customer to a payment card account that belongs to the merchant. The method also includes transmitting, from the mobile device, the funds transfer request, to a financial institution that issued the customer's payment card account.

Abstract: A method of providing network access includes entering network access information into a merchant device at a merchant location. The information relates to a request from a customer to obtain network access. The method also includes causing the information to be transmitted to a host computer system from the merchant device, receiving a payment from the customer, receiving activation confirmation from the host computer system at the merchant device, and providing a presentation instrument to the customer. The presentation instrument may be used by the customer to obtain network access. The method further includes using the presentation instrument to settle a transaction with the customer for merchandise.

Abstract: A portable handheld device for wireless order entry and real time payment authorization may include a portable housing, a display carried by the housing, an order entry input device carried by the housing, a transaction card input device carried by the housing for reading user sensitive information from a transaction card, a wireless transceiver carried by the housing, and a processor carried by the housing and connected to the display, order entry input device, transaction card input device and wireless transceiver. The processor may be for wirelessly sending input order information, and encrypting and wirelessly sending the user sensitive information from the transaction card without storing and without displaying. The processor may also be for wirelessly receiving and displaying payment authorization information based upon real time authorization from a transaction card issuing entity.

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.