Abstract: A consumer is prequalified for a line of credit attached to a checking account by a lending institution computer responsive to consumer underwriting data. The lending institution computer makes available draws to the line of credit line in an authorization stream for a proposed payment from the checking account. When the line of credit is accessed, the checking account is credited with an additional value equal to one or more preselected loan increments so that the account then has a new amount totaling a previous amount plus the amount of value of the one or more preselected loan increments and so that the new amount exceeds or equals the value of a proposed payment. Next, a new value for the line of credit balance available is determined, accounting for value credited to the checking account and a preselected loan advance fee for each loan increment credited to the account.

Abstract: A method of paying a second party is provided. A first party accesses the names of one or more qualified second parties. The second parties (i) have an association with the payment service, and (ii) if they do not have an established association with the payment service have established one prior to payment. The first party has an association with the payment service. A tab is opened by the first party that can be selected by the second party at any geographic location of a first party's mobile device. The second party is only able to charge a first party's financial account when the first party's mobile device is within a defined geographic area. The tab is a relationship between the first party, payment service and second party. The second party can engage in a financial transaction when the first party is within the defined geographic area.

Abstract: Improvements in a point of sale multi-functional device are disclosed. The device can operate as a stand-along unit or as a tablet companion device. The features include but are not limited to readers of credit cards, bar codes, flatbed scanner. Connections for USB, HDMI, SIM cards, flash memory and earphones or external speakers. A power supply provides power to the device with sufficient capacity to operate as long as required for sales transactions. The unit utilizes an embedded wireless connection with WiFi, 3G, and 4G using cell phone type communication signal or equivalent to allow the device to communicate with the internet to complete the transaction without requiring the device to store any information locally. The tablet compatible device accepts a tablet where the tablet thereby provides the display, computational power, wireless connection to the internet or a network and control of the sales process.

Abstract: A method and an apparatus for using a device to determine an item, such as, for example, a card based on an interaction environment, such as, for example, a settlement environment, are provided. The method by which a device determines a card to be used in a settlement includes: acquiring a card use history of a card, which is stored in the device; acquiring information which relates to a settlement environment of the device; determining a card to be used in the settlement, based on the acquired information relating to the settlement environment and the acquired card use history; and providing settlement information which relates to the determined card to a point of sale (POS) terminal.

Abstract: A secure tender electronic card for use in purchasing a service or a commodity comprises: a plastic substrate; at least two radio frequency identifications (RFIDs) embedded within the plastic substrate, the RFIDs including: a card code RFID with an identification chip having embedded therein an electronic card identification code associated with a card account file resident in a remote server, the card account file including a beneficiary code and a card usage parameter; and a tender RFID with a tender chip having embedded therein a code associated with at least some of the monetary value of the electronic card.

Abstract: A POS payment terminal (1) using a mobile communication device (4), such as a mobile phone, is created over a temporary connection between the merchant's Sales Device (2) with the removable memory card (18), where the removable memory card (18) is inserted into the customer's slot of the mobile communication device (4). The Sales Device (2) contains a secure memory (6) with the POS terminal's identification data in the form of a SAM card or an ICC card (9) or directly in the form of a secure element on the circuit printed. The payment terminal (1) is created before or during the payment process over a temporary connection between a Sales Device (2) with a mobile communication device (4), which is held by the customer and which has a removable memory card that can have an independent communication element, especially of the NFC type. The payment cryptogram is of standard form, e.g.

Abstract: A system that includes computer hardware, computer software, apparatus, and methodology that enables individuals, businesses, and all types of organizations (both for profit and non-profit) to capture and securely transmit check images (including, but not limited to, personal checks, business checks, travelers checks, money orders, merchant coupons, food coupons, line of credit checks, etc.), deposit information, and other information from remote locations (i.e., locations that could include the financial institution's remote locations, other financial institution's locations, businesses, private residences, etc.), for the purpose of having those checks credited to the depositing individual's or organization's bank account(s) and having the check images (and/or physical checks) entered into the bank check clearing channels for ultimate delivery to the maker bank for payment out of the maker's account.

Abstract: The current invention provides a mobile payment method and a number of variations that enable a consumer to pay for a purchase from a merchant. Preferably the consumer may use a mobile device such as a smart phone to complete the transaction. With the current invention, the merchant may be capable of conducting the transaction using only an ordinary point of sale (OPOS) terminal, allowing the merchant and consumer to conduct business in a more convenient manner. The variations of the core method also significantly facilitate possible payment from the consumer to the merchant, enhancing the efficiency of the transactions.

Abstract: A method of preventing identity theft is provided. The method comprises reading confidential information from a mobile terminal that is not in communication with the public wireless communication network and determining if the mobile terminal has been reported lost. When the mobile terminal is determined to have been reported lost, the release of the confidential information by the mobile terminal is disabled.

Abstract: Architecture that employs a software development kit and an add-in model to collect payment data and communicate with payment processors in a point-of-sale (POS) application to meet new requirements in new markets. Data gathered from an add-in and from the POS application can be combined and then communicated to the payment processor. The payment method can be determined and payment processing routed to different payment processors based on data and schema of data collected is also described. An add-in can also programmatically obtain information from the POS application information about a transaction and authorize a payment. A payment collecting/processing API is the interface between the POS application tender logic and payment collecting/processing logic and defines how a payment collecting/processing add-in interacts with the POS application.

Abstract: An indicator associated with a financial card to tender payment for a transaction is received from a point of sale device. A storage device stores independent sets of information associated with the financial card. The sets of information indicate different actions to be performed and settings corresponding to the actions. The indicator received from the point of sale device is associated with one of the independent sets of information. The actions associated with the received indicator are performed in accordance with the corresponding settings in response to conducting a transaction with the financial card.

Abstract: A method and device for managing and storing a plurality of electronic gift cards for use during a payment transaction includes receiving electronic information corresponding to a plurality of gift cards and securely storing the information in storage of a smartcard device as electronic gift cards. The smartcard device may monitor for a request to selectively activate an electronic gift card of the plurality of electronic gift cards for use during a payment transaction. The smartcard device may receive and transmit information corresponding to a selected electronic gift card using a near-field communication (NFC) data exchange.

Abstract: The invention is directed to systems and methods of conducting transactions associated with a transit card. A method of conducting transactions may be conducted between a processor and a transit processor. Steps may include receiving a redemption request and determining if it is a pre-authorization request or a redemption; if the redemption request is a pre-authorization request, determining if the account is authorized for a particular transit type. If the account is authorized, communicating approval to the transit processor. If the account is not authorized communicating denial. If the redemption request is a redemption: determining if account value is sufficient to pay the redemption amount; if not, denying and if so approving the transaction and deducting the amount, and determining if the account value is below a pre-determined threshold for a particular transit types, and if so, updating the status of the account at a data store.

Abstract: An indicator associated with a financial card to tender payment for a transaction is received from a point of sale device. A storage device stores independent sets of information associated with the financial card. The sets of information indicate different actions to be performed and settings corresponding to the actions. The indicator received from the point of sale device is associated with one of the independent sets of information. The actions associated with the received indicator are performed in accordance with the corresponding settings in response to conducting a transaction with the financial card.

Abstract: According to one embodiment of the invention, a system is provided for activating a plurality of cards. A first card number and a total number of cards can be provided to an activation system to process the activation of the plurality of cards.

Abstract: A method is disclosed for authenticating and enabling returns at a physical store location and based off of an electronic receipt. The electronic receipt may be viewed on a mobile electronic device with electronic receipts software thereon. The electronic receipts software may use machine readable codes to verify whether a customer is present at a returns terminal at a physical store location. More particularly, the electronic receipts software may contain a bar code reader module and use the camera of the mobile electronic device to capture a machine readable code such as a bar code or QR code. The electronics receipts software may recover data from the machine readable code which identifies the store, retail location, etc. This information may be compared against known values to determine that the customer is present at a returns terminal.

Abstract: Software and hardware enabling electronic leasing and other services for multi-family residential housing are provided. A computer kiosk can be provided in a leasing office or other location of an apartment building. The kiosk can be equipped with a display and an input device, allowing a user to interact with leasing services software running on the kiosk. The software can provide the user with secure access to information about the user's lease account. For example, the software can provide the user with information about past rent payments and current rent due. The kiosk can be equipped with a magnetic card reader and a check scanner, allowing the user to make a payment by credit card, debit card, gift card or check. Additionally, the kiosk can allow the user to make a payment with previously stored credit card or other account information.

Abstract: A method and a system that retrieves dynamic data when a notification with dynamic data is triggered. The dynamic data is associated with an account that is associated with a portable consumer device associated with a consumer. The method and system automatically send the notification with the dynamic data to a notification device, wherein the notification with the dynamic data is provided to the consumer.

Abstract: An electronic system and process for facilitating a financial transaction comprising a drop safe and a point-of-sale (POS) terminal, disposed at a retailer location, in communication with one another in which the POS terminal receives, from a user, a request to commence a drop request and, in response, instructs the drop safe to commence a drop request, whereupon after acceptance of the drop request the drop safe accepts, via a currency acceptor, currency that is identified and authenticated, and upon completion of the drop, the drop safe ascertains the total amount of accepted currency and transmits the ascertained amount to the POS terminal which then completes the transaction. The drop request may occur during a transaction with a customer for the purchase of goods or services or at other times. Other features are disclosed.

Abstract: A method is disclosed for transferring receipt data to a computing device corresponding to a customer. The method may include initiating a transaction at a point-of-sale system. During the transaction, a computer system comprising the point-of-sale system, may identify a computing device corresponding to a customer associated with the transaction. The computer system may collect receipt data documenting at least a portion of the transaction. This receipt data may be incorporated into a push notification. Once the transaction has been completed, the computer system may direct the push notification to the computing device. Accordingly, the computer system may provide the receipt data to the computing device.

Abstract: A method is disclosed for authenticating and enabling returns at a physical store location and based off of an electronic receipt. The electronic receipt may be viewed on a mobile electronic device with electronic receipts software thereon. The electronic receipts software may use sound recordings to verify whether a customer is present at a returns terminal at a physical store location. The electronic receipts software may recode particular sounds or ambient noise at a returns POS terminal and analyze and compare this sound recording against known sounds to determine whether a customer is present at a returns POS terminal. The electronic returns software may prevent the customer from accessing returns features if the customer is not at a returns terminal and allow the customer to access returns features if the customer is at a returns terminal.

Abstract: A kiosk dispenses and receives recorded optical disk media using an interconnected system central server computer through an Internet Service Provider. The system central server contains databases and processing, and is connected to a credit verification system. The central databases collect inventory administration information and customer data from the kiosks including credit card and email addresses. The central server initiates credit verification and sends receipts to customers via email. The central server maintains databases that are used for remote inventory control and administration of the kiosk network. A kiosk has the capability to identify a recorded disk for automated restocking and may also perform quality assessment of a recorded disk. A kiosk may also provide publishing-on-demand or-act as a portal for remotely served advertisement.

Abstract: The present invention relates to a new system and method for conducting business that provides a fully integrated cash management system for easily accessible, real-time cash flow figures for all vaults, sub vaults, banks, mini banks, point-of-sale (POS) stations, ticket redemption kiosks and automated teller machines (ATM) for casinos, gaming centers, and casino resorts. The invention may be utilized in multiple sites and utilized for resorts, retail in general, banks, stadiums, theme parks and so forth.

Abstract: Systems and methods for operating a touch screen for contactless payments are described. In an embodiment, a process includes detecting the presence of multiple proximity payment devices in contact with a touchable surface of a touch screen, displaying a payment option menu for multiple consumers associated with the proximity payment devices, and detecting selection of payment amounts. The process includes reading payment account data from the multiple proximity payment devices, providing the payment account data to a processor, and transmitting the payment account data and the payment amounts associated with the multiple proximity payment devices to a payment server computer. The process may also include receiving one or more payment authorization messages associated with the proximity payment devices, and displaying the payment authorization message(s).

Abstract: Methods, systems, and computer-executable instructions for operating a payment processing system are provided. An exemplary method includes receiving a request to determine a transaction capability of a merchant's transaction system. The request is received from a requester at a payment processing system. The method includes determining the requested transaction capability based on merchant data retrieved from a database of the payment processing system. The transaction capability of the merchant includes information indicating compatibility of the merchant's transaction system with one or more features of the payment processing system. The method further includes transmitting, using the payment processing system, the transaction capability to the requester in response to the request.

Abstract: The present invention extends to methods, systems, and computer program products for auditing in-store sales transactions when a digital receipt is issued. A receipt application server formulates a digital receipt from digital receipt data received from a POS system. The digital receipt is sent from the receipt application server to an auditor mobile device at the location of the POS system. A human auditor can view the digital receipt during an in-store audit. In some embodiments, one or both of the receipt application server and the auditor mobile device reorder receipt entries so that items having specified characteristics are presented more prominently on a display. For example, receipt entries can be re-ordered such that higher profit margin items, bulkier items, or more likely to be stolen items are presented more prominently. As such, a human auditor is more likely to expressly audit these types of items.

Abstract: According to one embodiment, includes an operation surface section, a card reader provided on one side of the operation surface section and configured to read card information, and an operation button provided near the card reader on the operation surface section and recessing a predetermined dimension from the operation surface section.

Abstract: A method, system and program product, the method comprising: accessing Transfer Fee data to be paid to a third party that is not the borrower or the lender or the buyer or seller in a repurchase agreement transaction of a security for a right to loan or repo one or more units of the security; accessing data on a loan or repo of units of the security, calculating an amount of a Transfer Fee for the right to loan or repo the security; generating data for debiting an account or sending a bill for the Transfer Fee; and updating the database with data on the Transfer Fee.

Abstract: A distributed point of sale, electronic article surveillance, and product information system. The system can include a central database and at least one integrated POS/EAS/information terminal adapted to communicate with NFC-enabled devices, RFID and EAS tags, and the database, wherein, when a customer places an NFC-enabled device and a product having an RFID and EAS tag and proximate the terminal, the terminal facilitates a transaction for purchasing the product. The terminal can include a processor, an NFC transceiver, a UHF RFID reader, and a Bluetooth transceiver. The transaction for purchasing the product can be performed via the NFC-enabled device.

Abstract: Methods, computer readable media and systems are described wherein a security deposit is used to facilitate a transaction with a customer. In an embodiment, a process includes receiving an indication that a customer is interested in making a purchase during a transaction from a merchant, and transmitting an offer for a benefit to be applied to the transaction in exchange for a future performance of a task by the customer and a security deposit.

Abstract: Systems and methods are provided for secure transactions according to one or more embodiments. According to an embodiment, a method for providing secure transactions comprises initiating a transaction via a point of sale device having a one time password generator. The method also comprises generating at least one password by the point of sale device. The method further comprises associating the at least one password with account information. The method further comprises transmitting the password associated with the account information to a remote location. If the transmitted password matches predetermined associated information at the remote location, the method further comprises confirming the transaction.

Abstract: Methods, systems, and computer program products for storing usual order preferences associated with a point of sale transaction involving an identification article. In one embodiment, the method includes receiving an initial order involving the use of an identification article for purchasing at least one good or service. As part of receiving the initial order, a query asking if the initial order is to be designated as a usual order is issued. The method also includes registering the initial order as the usual order if a received response to the query indicates a usual order designation and storing an indication of the usual order in a storage medium.

Abstract: Embodiments of the invention are directed to purchasing fuel for a vehicle from a fuel station using a portable mobile communication apparatus. An exemplary portable mobile communication apparatus is configured to: receive pre-configured information associated with an information-providing source in a vehicle; 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 and the pre-configured information.

Abstract: Embodiments of the invention are directed to purchasing fuel for a vehicle from a fuel station. An exemplary apparatus is configured to: receive pre-configured information associated with an information-providing source associated with at least one of the fuel station or a fuel pump at the fuel station; determine identification information associated with the 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 and the pre-configured information.

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: A data processing apparatus includes a first interface to which a device which reads data is connected, a second interface to which a terminal apparatus is connected, an identification information transmission unit that transmits identification information to the terminal apparatus, and a control unit that when the data read by the device is input to the first interface, determines an association of the device and the terminal apparatus based on a correspondence of the read data and the identification information transmitted to the terminal apparatus.

Abstract: In some example embodiments, a mobile card is determined to have been presented as payment in a point-of-sale (POS) transaction and a mobile phone is determined to be associated with the mobile card. A transaction request is then sent to a mobile phone and a transaction authorization is received from the mobile phone. The POS transaction is then authorized.

Abstract: During a financial transaction, a customer provides an identifier to a peripheral device (which may be a barcode scanner, a wireless receiver or a keyboard) coupled to the point-of-sale terminal. This identifier corresponds to a one-time payment credential token that includes financial information of the customer. Then, a service object executing on the point-of-sale terminal, which acts as a driver for the peripheral device, performs one or more operations based on at least the identifier to obtain the financial information. After providing the financial information and transaction information associated with the financial transaction to a financial institution specified in the financial information, the point-of-sale terminal receives a confirmation from the financial institution that the financial transaction has been completed.

Abstract: During a financial transaction, a customer provides a token that identifies the customer to a peripheral device (which is other than a credit-authorization terminal or a magnetic-stripe reader) coupled to the point-of-sale terminal. Then, a unified point-of-sale service object executing on the point-of-sale terminal, which is a driver for a virtual peripheral device, performs one or more operations based on at least the token to obtain financial information associated with the customer. After providing the financial information and transaction information associated with the financial transaction to a financial institution specified in the financial information, the point-of-sale terminal receives a confirmation from the financial institution that the financial transaction has been completed. For example, the confirmation may be received via a credit-authorization-terminal service object that is a driver for the credit-authorization terminal.

Abstract: A method and system for processing a financial transaction using a co-brand proprietary payment card through a multi-party payment card interchange network is provided. The method includes storing within a database a list of merchants participating in a co-brand program with the interchange network, receiving an authorization request for the transaction involving the co-brand payment card wherein the authorization request includes a merchant identifier, determining whether the transaction originated at one of the participating merchants by comparing the received merchant identifier to the list of participating merchants stored within the database, manipulating the authorization request to include a private label identifier when the transaction is determined to have originated at one of the participating merchants, and transmitting an authorization response from the interchange network to the acquirer.

Abstract: A bookmark beacon system comprises a computer network, a wireless network configured to enable a wireless device to access the computer network, and a bookmark beacon that transmits a bookmark data packet to the wireless device. The bookmark data packet includes a resource address that enables the wireless device to retrieve information stored on the computer network.

Abstract: Systems, methods and apparatus for facilitating transactions using a mobile device are provided by certain embodiments of the invention. Information associated with a proposed transaction may be received at a mobile device from a point of sale device. The mobile device may communicate a request to approve the proposed transaction to a transaction processor. The request may at least a portion of the received information and an identifier associated with the mobile device. The transaction processor may determine whether to approve the proposed transaction and communicate an approval or decline message to the point of sale device.

Abstract: A wireless mobile communications apparatus reads removable cards and can communicate an account corresponding to the removable card in order to conduct a wireless transaction with a merchant on the account with the wireless mobile communications apparatus. A total currency amount for the transaction, and remaining balance in the account after the transaction, can be displayed on a display screen of the wireless mobile communications apparatus. The removable card can be a gift card bearing a magnetic strip having an identifier for the account encoded thereto that will be read when inserted into the wireless mobile communications apparatus which can be a cellular telephone or Web enabled portable device. The magnetic strip gift card can be substantially composed of paper so as to be intended for disposable after use.

Abstract: A generic RFID reader is provided that can function across a large range of computing devices including mobile computing devices, without customization or with minimal customization.

Abstract: A system directed to a networked kiosk used to download digital content or media to a user's portable electronic or communication device. The kiosk includes a display, digital storage, means to connect to the internet, and payment acceptance means. The kiosk can presents digital media for selective purchases, recognizes and communicates with proximate portable electronic devices, and provides advertisements to users.

Abstract: A unique and innovative Payment System Environment (PSE) application is described herein. The PSE application, used during the EMV process of Application Selection, is capable of incorporating data from an EMV payment application into a constituent Data Record. The Data Record is said to be dynamic in that the data incorporated may be changed over the life of the EMV payment application. The dynamic Data Record may include a mnemonic that is presented to the cardholder at the time of application selection. The changing of this mnemonic may then prove useful in aiding the cardholder in deciding which application is to be selected for the initiation and processing of an EMV transaction.

Abstract: A method and system for eliminating a need for coins in cash transactions in most currencies includes a comparison of a sum of a fractional dollar amount of an original transaction amount of a cash transaction between a merchant and a consumer plus a beginning value of a consumer storage device to a value of either 1.00 or 2.00. The amount of the value depends on whether a sum of credits and debits incurred by the merchant is greater or less than or equal to a sum of per transaction fees. The original transaction amount is decreased or increased to the next whole dollar amount, thereby providing a new transaction amount, if it is determined that the sum of the fractional dollar amount of the original transaction amount plus the beginning value of the consumer storage device is greater or less than, respectively, the value assigned.

Abstract: Systems and methods are provided to facilitate transactions via mobile communications. In one aspect, a system includes a data storage facility and an interchange coupled with the data storage facility that stores data associating a phone number of a user and an account identifier of the user. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats and with the common format processor in a common format. The common format processor uses one of the converters to transmit premium messages to the phone number to collect funds via a telecommunication carrier, receives a payment request having the account identifier, identifies the phone number based on the account identifier, and makes a payment on behalf of the user using the collected funds.

Abstract: A method of facilitating payment of health care benefits to on behalf of a payer comprising the step of electronically transmitting a stored-value card account payment of the authorized benefit amount concurrently with an explanation of benefits.

Abstract: A vending machine for purchasing selected items by a customer. The vending machine includes a dispensing assembly for dispensing an item and a selector assembly connected to the dispensing assembly. A computer assembly having a central computer, video display screen and a modem is connected to and actuated by the selector for connecting the computer to an internet site and displaying a received transmission on the video screen in response to a purchased item.