Abstract: A system that can transfer tokens of multiple classes from issuers to recipients is disclosed. The system generates class-specific token specification that include parameters that must be satisfied for the first user to acquire, from another user of the system, any token that is created according to the class-specific token specification. The system will save the records for each of the class-specific token specifications to a digital ledger that is accessible to users of the system. When a transfer request is received for a particular token, the system will execute a smart contract by (a) accessing the digital ledger to verify that a class-specific token specification exists which corresponds to the class of the particular token, and (b) in response to the verifying write, to the digital ledger, a first ledger entry that includes a record indicating that the amount of the particular token has been transferred to the recipient.

Abstract: In some implementations, a method performed by data processing apparatuses includes receiving, by an item verification engine, a scan notification indicating that a mobile computing device has scanned an item. In response to receiving the scan notification, the item verification engine provides an instruction for a cart computing system to activate item sensors on a shopping cart. The item verification engine receives sensor data collected by the item sensors as a result of the item having been placed in the shopping cart. The item verification engine receives item verification data for verifying the scanned item from the mobile computing device, performs a verification of the item based on the sensor data and the item verification data, and provides verification results for presentation by the mobile computing device.

Abstract: Systems and methods for performing sales transactions using a hybrid multi-tenant cloud and single-tenant on-premises point-of-sale system. The multi-tenant cloud sub-system includes a remote processor that is communicably coupled with a first point-of-sale terminal at a first location and a second point-of-sale terminal at a second location, that is different than the first location. The remote processor is configured to process sales transaction information from the first and second point-of-sale terminals. The single-tenant on-premises sub-system includes a local processor communicably coupled with a third point-of-sale terminal at a third location, different than the first and second locations. The single-tenant on-premises sub-system is configured to process local sales transaction information from the third point-of-sale terminal and transmit the processed local sales transaction information to the multi-tenant cloud sub-system.

Abstract: Examples for enabling off-network transactions to be performed and securely managed are provided. An example system may include a data network, a digital ledger server, a blockchain platform, smart payment devices, and point of sale devices. Each respective point of sale device and each respective smart device may be operable to perform an off-network transaction, and store information related to the transaction in a digital ledger coupled to each respective device. When a transaction is executed between a POS device and a smart payment device, the POS device and smart payment device exchange a record of all off-network transactions that each respective device has executed since the last time a connection was made to the data network. When a network connection is established for each device, the respective information stored in the digital ledger is uploaded to the blockchain platform for storage and the digital ledger server for transaction resolution.

Abstract: This disclosure is directed to receiving a request for attesting security of a device, determining to approve the request based on attestation data associated with the device, generating a ticket having validity conditions, and sending the ticket to the device to enable the device to receive payment data from a second device.

Abstract: Disclosed herein are embodiments of systems, methods, and products comprises a server for enabling automatic shopping. The server may associate a shopping cart with a customer's electronic user device. The server may monitor the locations of the electronic user device. Based on the customer's location, the server may identify the shelves and items the customer has visited. When an item is lifted from the shelf, at least one weight sensor on the shelf may detect the weight change. The server may receive a notification comprising an amount of weight change from the weight sensor on the shelf. When the customer places the item into his/her shopping cart, the weight sensor on the shopping cart may detect the weight addition. If the weight change and weight addition match, the analytic server may determine that the item picked up from the shelf is placed within the customer's shopping cart.

Abstract: A computing system includes a network interface circuit structured to facilitate data transmission over a network, and at least one processing circuit having one or more processors coupled to non-transitory memory storing instructions that when executed by the one or more processors, cause the at least one processing circuit to: receive account information from a customer device via a browser or an application on the customer device based on a first code being captured by the customer device that causes the browser or the application to launch on the customer device, the first code including a first unique identifier; receive a predetermined second code from the customer device, the predetermined second code including a second unique identifier; verify the second code by matching the second unique identifier to the first unique identifier; and open an account in response to verifying the second code.

Abstract: Systems, apparatus, methods, and non-transitory media for providing prescient and adaptive point-of-sale services via electronic networks are discussed herein. Some embodiments may include a system with one or more servers. The one or more servers may be configured to generate digital consumer tokens and provide the digital consumer tokens to consumer devices for sharing with merchant devices. When a merchant device receives the digital consumer token, the merchant device may forward the digital consumer token to the one or more servers in exchange for consumer data to facilitate consumer service. In some embodiments, the one or more servers may be configured to provide point-of-sale interfaces that adapt to different consumer preferences or consumer device signals. Some embodiments may provide for consumer interfaces that allow consumers to manage their electronic identity at various (e.g., merchant) locations.

Abstract: The present invention is a system and a method enabled by the system. The novel system discloses at least one computer terminal. Ideally the system would have many such computer terminals, or kiosks, with at least one placed in a community center, a house of worship or some other location where a community gathers for social or religious events. Each such computer terminal is loaded periodically with a database managed by a first software application. The first software application, or a first instance of such software application, is deployed centrally and actively manages the database, performing such tasks as assembling the database with a plurality of objects received from publishers running a second software application or second instances of the software application. The manager then evaluates the quality and compliance of each object receives and forwards those approved to computer terminals located at various hosts.

Abstract: According to one embodiment, in a non-transitory storage medium, a computer program is recorded so that a computer of an image forming apparatus executes a code acquisition step, a transmission step, an authority setting acquisition step, and a reflection step. The code acquisition step is to acquire a code for acquiring authority setting information including execution authority indicating a function to be permitted to use among functions of the image forming apparatus. The transmission step is to transmit the acquired code to a server that issued the code. The authority setting acquisition step is to acquire the authority setting information from the server. The reflection step is to reflect the acquired authority setting information in the image forming apparatus.

Abstract: Technologies for remotely managing payment authorization request messaging for payment transactions include a transaction management controller of one environment and a point of interaction device of another environment. The transaction management controller receives a transaction amount for a payment transaction from a business management engine. The payment transaction is based on a purchase transaction initiated by a merchant computing device of the other environment. The transaction management controller also receives payment card data from the point of interaction device, which is communicatively isolated from the merchant computing device and the business management engine. The transaction management controller inserts the transaction amount and the payment card data into a payment authorization request message, which is transmitted to a payment network.

Abstract: When a consumer checkouts out, the transaction interface presents a buy now pay later option selected by the consumer for payment of a transaction. Consumer information is collected through the interface and a registered financial institution (FI) is presented the transaction details and information for servicing a loan. Terms are provided from the FI and presented to the consumer through the interface. Acceptance by the consumer causes a smart contract with the terms and parties of the loan to be generated in a blockchain (BC) and payment processed by the BC by transferring funds from a FI wallet to a retailer wallet associated with the transaction.

Abstract: A method is provided for creating a Pseudo-prescription for over the counter items. A retailer infrastructure is provided that includes a point of sale server coupled to a store concentrator and to a product tables/price book(s). An adjudication processor and a claims processor with a process control server are also provided. A Pseudo-prescription is created that contains an NDC for each over-the-counter item being purchased prior to determining if the claims processor.

Abstract: Some embodiments include a stand that includes a communication interface, a universal serial bus (USB) microcontroller, and one dual purpose RJ12 interface configured to switch between a cash drawer mode and an RS232 mode. The stand can be configured to be coupled to a main display device. The main display device (e.g., an application running on the main display device) can enable selection of the cash drawer mode for communications via the dual purpose RJ12 interface, and receive an input signal after the selection. The main display device can enable selection of the RS232 mode for communications via the dual purpose RJ12 interface based on the input signal and transmit an indication to the stand, where the dual purpose RJ12 interface is configured to operate in the RS232 mode. The stand can include a hinge structure that enables the main display device to be flipped to face an opposite direction.

Abstract: A system, method, and computer-readable storage media for performing a transaction for a customer of a financial institution using math-based currency (MBC), the system comprising a permissioned ledger banking system comprising a transaction circuit comprising a transaction processor and a transaction memory, an account mapping circuit comprising an account mapping processor and an account mapping memory, and an MBC account database comprising an MBC account of the customer, a fiat banking system comprising an account management circuit and a customer fiat accounts database, and the permissioned ledger banking system and the fiat banking system are connected via a communications network, wherein the account management circuit comprises an account management processor and an account management memory storing executable account management instructions that when executed by the account management processor causes the account management processor to perform steps of storing a fiat account of the customer in the c

Abstract: A method of completing a purchase transaction that includes a loan includes receiving, by a transaction processing logic, a loan application from a network. The method also includes generating, by the transaction processing logic, a plurality of loan terms for the loan application. The method also includes receiving, by the transaction processing logic, a transaction package from the network, where the transaction package includes at least one of the plurality of loan terms and a purchase price. The method also includes tendering, by the transaction processing logic, the purchase price according to the transaction package. The method also includes setting up, by the transaction processing logic, a loan in an account database according to the transaction package.

Abstract: Methods and systems for data modelling. One method includes receiving a plurality of data points representing training data, and generating a plurality of models based on the training data, each of the plurality of models using at least one a different modelling methodology or a different portion of the training data. The method also includes receiving an input representing a requested prediction, generating an output based on the input using each of the plurality of models, providing the output generated by each of the plurality of models and the training data to a machine learning algorithm, generating, with the machine learning algorithm, the requested prediction using the output generated by each of the plurality of models and the training data, and outputting the requested prediction for display to a user.

Abstract: A seamless electronic system and method for application, acceptance of, authorizing access to, and tracking purchases made with a new credit account is disclosed. The method uses a mobile device to electronically apply for a new credit account and receive a metadata file formatted for a mobile wallet on the mobile device, the metadata file providing a new credit account for making purchases via a mobile payment. A biometric security is provided to limit access to the new credit account, the biometric security being different than an input needed to access the mobile device. A user is authenticated with the biometric security, prior to receiving access to the new credit account; and initiating a mobile purchase therewith. A digital receipt identifying one or more aspects of the mobile purchase is received.

Abstract: A computer-implemented method for cloud-based management of payment devices includes connecting a point of interaction device (POI) to a terminal management engine (TME) through a computer network, downloading operating software for the POI and configuration files for the POI from the TME to the POI, initializing the POI using the operating software, and configuring the POI using the configuration files. An alternative computer-implemented includes connecting to a POI through a computer network, receiving a transaction request from a TMC through the computer network, confirming access to the POI, transmitting a request for consumer information to the POI, receiving requested consumer information from the POI, transmitting the requested consumer information to the TMC, receiving a transaction approval message or a transaction decline message from the TMC, and transmitting the transaction approval message or the transaction decline message to the POI.

Abstract: Methods, apparatuses, systems, and computer program products for interactive deliveries are provided. For an upcoming service point that is associated with a service point device, it is determined whether the item to be delivered to the service point is within an activation zone for activating the service point device. Responsive to determining that the item is within the activation zone, the service point device is remotely activated. Remotely activating the service point device triggers dynamical provision of an alert interface. An indication of user interaction via the user interface indicating availability of the user to receive the item is received. A notification of the indication of the user interaction is provided. If the notification indicates that the individual is available to receive the item at the service point, the item is delivered to or picked-up from the service point.

Abstract: An electrically heated smoking system includes a secondary unit capable of receiving a smoking article having an aerosol-forming substrate. The secondary unit includes at least one heating element and an interface for connection to a primary power supply for supplying electrical power to the at least one heating element during a pre-heating mode, to increase the temperature of the aerosol-forming substrate to an operating temperature. The secondary unit further includes a secondary power supply arranged to supply electrical power to the at least one heating element during a smoking mode, to maintain the temperature of the aerosol-forming substrate at substantially the operating temperature. The secondary unit also includes secondary circuitry. The electrically heated smoking system optionally includes a primary unit.

Abstract: A mobile wallet computer system coupled to a merchant computer system and a mobile device associated with a user includes one or more processors coupled to one or more non-transitory memory devices. The one or more non-transitory memory devices include instructions stored therein that are executable by the one or more processors to cause operations including receiving, from the mobile device, a request to perform a transaction between the user and a merchant associated with the merchant computer system. The operations also include generating and providing to the mobile device a code comprising mobile wallet account information associated with the user. The operations also include receiving, from the merchant computer system, the code, bank account information associated with the merchant, and a purchase amount associated with the transaction. The operations also include authenticating the transaction between the user and the merchant by decoding the code.

Abstract: In some examples, a payment instrument is associated with a financing limit. A processor may receive, from a point of sale (POS) device associated with a merchant, an authorization request to authorize the payment instrument for a purchase of one or more first items having a purchase amount that is greater than the first amount. The processor may determine that the first item is a type of item in an inventory of a business of the user. Based at least on determining that a quantity of the type of item in the inventory is below a threshold quantity, changing the first amount to a second amount that is based on the purchase amount. Based at least on changing the first amount, sending to the POS device, an indication that the payment instrument is authorized for the second amount.

Abstract: Systems and methods are presented for implementing hacker traffic barriers for mitigating unauthorized account usage. A security system securely associates a primary trusted device with a user using encrypted tokens stored in an enclave within the primary trusted device, authorizes web browser authentication, and provides both intrinsic and explicit checks for unauthorized access to an account.

Abstract: A wireless checkout system includes peripheral stations, a server that stores location information indicating a position coordinate of each of the peripheral stations, one or more base stations, and a mobile point-of-sale (POS) terminal. The mobile POS terminal includes a wireless communication interface configured to receive a wireless signal from the base stations, a display, and a processor. The processor designates one of the peripheral stations as an associated peripheral station, determines a position coordinate of the mobile POS terminal based on the wireless signal, selects, based on the determined position coordinate of the mobile POS terminal and the location information, another of peripheral stations that is closest to the mobile POS terminal to be an alternative peripheral station to be recommended for the checkout, when the associated peripheral station is not available, and then controls the display to display a screen indicating the alternative peripheral station.

Abstract: A method and system for retail management of controlled substances is provided. Controlled substances such as alcohol or cannabis may be sold as products or served at a venue. The process of purchasing the controlled substance, or service of a controlled substance the current venue includes a customer presenting the controlled substance for purchase and providing a customer identifier. The point of sale device at the venue may send an authorization request to a processing server at a remote service, which may reply with an advisory response including information from a customer profile. Optionally, a system and method of retail management of controlled substances provides for a law enforcement system may send an investigation request comprising a vehicle identifier to the processing server, and in response an investigation response may be sent to the law enforcement system may be sent including information from the customer profile.

Abstract: Systems and methods for artificial intelligence (AI)-based systems and methods for conditional electronic processing are provided. An example method includes receiving real time data from one or more data sources associated with one or more connected smart devices; continuously evaluating the real time data to determine whether the one or more transaction conditions is met; upon determining that the one or more transaction conditions has been met, utilizing prioritized parameters to determine to which users an alert of a transaction request is broadcast; broadcasting the alert of the transaction request via a user application; transmitting, via a push notification gateway, a push notification to the user application on a user device; and establishing, via a network, a secure connection between the user device and an AI engine for executing the transaction request.

Abstract: A computing system includes a network interface circuit and a processing circuit comprising one or more processors coupled to non-transitory memory storing instructions that when executed by the one or more processors, cause the processing circuit to generate a first code displayable for capture by a customer device associated with a customer, generate a second code confirming an identity of the customer, provide the second code to a mobile device, receive customer information and an indication of a capture of the first code from the customer device, in response to receiving the second code from the customer device within a predefined parameter of the receiving of the customer information and the indication of the capturing of the first code from the customer device, analyze the customer information, and in response to verifying the customer information based on the analysis, cause an activation on behalf of the customer.

Abstract: A blender with a display panel is provided to effectuate presentations of visual content. Exemplary implementations may: receive a first type of user input through the control interface; make detections regarding the user input received through the control interface; effectuate presentation of visual content on the display panel, responsive to a first detection of the first type of detections; and/or perform other operations.

Abstract: This disclosure is directed to receiving a request for attesting security of a device, determining to approve the request based on attestation data associated with the device, generating a ticket having validity conditions, and sending the ticket to the device to enable the device to receive payment data from a second device.

Abstract: A system and method for investigating trust scores. A trust score is calculated based on peer transfers, a graphical user interface displays actuatable elements associated with a first peer transfer from the peer transfers, in response to receiving an indication the first actuatable element has been actuated, recalculating the trust score without the first peer transfer.

Abstract: A method and a computer system for a split payment are provided. A split payment method may include: obtaining cost information of at least one transaction for a split payment; creating a split payment page that allows a visitor of the split payment page to pay a portion of a cost of the at least one transaction; providing the visitor with a link to the split payment page; and based on the portion of the cost of the at least one transaction being selected by the visitor of the split payment page, processing a payment or remittance of the portion of the cost, and updating the split payment page according to a result of the payment or the remittance.

Abstract: A system and method for automatically reconfiguring a user interface based on a product lifecycle that changes a visual appearance of a product image in the user interface to reflect its age or ownership duration is described. In one embodiment, a method includes determining one or more products owned by a user and an ownership period associated with an age or ownership duration of each product. The ownership period is compared to a product lifecycle for the product and, based on the comparison, one or more temporal effects are overlaid onto a base product image for the product. The one or more temporal effects change a visual appearance of the base product image in a user interface on a user device in communication with the unified product application to reflect the age or ownership duration of the product.

Abstract: A device may determine that a verification method associated with a transaction card is to be modified from a first verification method to a second verification method. The first verification method and the second verification method may use different types of verification information. The device may provide a set of instructions to the transaction card after determining that the verification method is to be modified. The set of instructions may cause the transaction card to modify the verification method from the first verification method to the second verification method. The device may provide information identifying a modification to the verification method to a transaction backend device to notify the transaction backend device that the verification method associated with the transaction card has been modified from the first verification method to the second verification method.

Abstract: Embodiments provide an alert management and real-time remediation system. The system receives an electronic file that includes an overdraft allowance information data structure comprising overdraft allowance information and automatically parses the overdraft allowance information into overdraft allowance events for the associated customers. The system sends overdraft allowance notification messages to the associated customers. The message includes a link to an authentication interface of an institution associated with the customer. After the customer is authenticated, the system provides a user interface that displays overdraft allowance information for each overdraft allowance event associated with the customer and a display element for a payment option. Responsive to the customer selecting the payment option, the system sends a payment message that causes a transfer of a payment to the institution.

Abstract: Disclosed is a technique for verifying the validity of security certificates received by a mobile device. The technique can involve diverting a security certificate into a secure environment, such as a payment application, by modifying an import address table (e.g., implementing a “hook”) that is accessed by the security layer of the mobile device. Once diverted, the payment application can create a copy of the security certificate. The copy may be stored in a list of security certificates that is subsequently uploaded to a payment processing system for authentication. In some embodiments, a checksum is generated for the import address table using a cryptographic hash function. The checksum allows the payment application or the payment processing system to determine whether an unauthorized modification of the import address table is present.

Abstract: Embodiments are directed to optimizing the secure provisioning of credentials to mobile devices through use of risk decision non-overrides. In some embodiments, a service provider receives a request from a wallet provider to provision a credential associated with an account to a mobile device. The request includes a first risk level associated with the provisioning. The service provider receives a second risk level associated with the provisioning request from an issuer of the account. Based upon determining that a non-override condition exists, the service provider uses the first risk level from the wallet provider and accordingly causes a user authentication to occur. A non-override condition may be determined based upon scenario indicators received within the provisioning request. In some embodiments, the non-override condition may be ignored when the first risk level indicates medium risk and the second risk level indicates high risk.

Abstract: A login macro to automatically log into a web application running on a server computing device is generated from a provided username, a provided password, and a provided network address of the web application. The login macro can be generated regardless of whether the web application is logged into at a starting web page at the provided network address or at a sign-in web page navigable from the starting web page. After the login macro has been generated, that usage the login macro successfully results in logging into the web application running on the server computing device can be verified.

Abstract: A method, system, and apparatus for performing a transaction for a customer having a fiat account with a financial institution. The method includes receiving a transaction request from the customer, the transaction request including a request to transfer a first amount of fiat currency to a receiving account held at a partner financial institution; determining a second amount of math-based currency (“MBC”) corresponding to the first amount of fiat currency, wherein the MBC is held in an MBC wallet account; transmitting the second amount of MBC to a partner financial institution computing system of the partner financial institution via a permissioned blockchain system; updating the MBC wallet account to reflect the transaction; debiting a fiat account balance associated with the fiat account of the customer by the first amount; and transferring fiat currency between the financial institution and the partner financial institution to settle a plurality of transactions.

Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. Microservices on the transaction exchange platform may interact with the transaction objects based on configured workflows associated with the transactions. Processing on the transaction exchange platform may facilitate clearing and settlement of transactions. Some aspects may provide for dynamic and flexible reconfiguration of workflows and/or microservices. Other aspects may provide for data snapshots and workflow tracking, allowing for monitoring, quality control, and auditability of transactions on the transaction exchange platform.

Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. Microservices on the transaction exchange platform may interact with the transaction objects based on configured workflows associated with the transactions. Processing on the transaction exchange platform may facilitate clearing and settlement of transactions. Some aspects may provide for dynamic and flexible reconfiguration of workflows and/or microservices. Other aspects may provide for data snapshots and workflow tracking, allowing for monitoring, quality control, and auditability of transactions on the transaction exchange platform.

Abstract: A method for automatically re-processing a transaction in an electronic payment processing network independent of a merchant system or a user includes: receiving a first transaction message associated with a payment transaction; generating a first authorization request; communicating the first authorization request to an issuer system; in response to determining that the first authorization request failed, automatically determining a second payment device associated with the user based on profile data; automatically generating a second authorization request associated with the transaction; communicating the second authorization request to a second issuer system; and in response to determining that the second authorization request was approved by the second issuer, processing the transaction based on the transaction data and the second account data.

Abstract: Technologies for remotely managing payment authorization request messaging for payment transactions include a transaction management controller of one environment and a point of interaction device of another environment. The transaction management controller receives a transaction amount for a payment transaction from a business management engine. The payment transaction is based on a purchase transaction initiated by a merchant computing device of the other environment. The transaction management controller also receives payment card data from the point of interaction device, which is communicatively isolated from the merchant computing device and the business management engine. The transaction management controller inserts the transaction amount and the payment card data into a payment authorization request message, which is transmitted to a payment network.

Abstract: Apparatus and methods are provided for executing a rules-based authentication of an electronic transaction. The method may include receiving first and second payment authorization parameters and second payment authorization parameters. The method may also include receiving from a Point of Sale device a request for payment information and a purchase amount. The method may also include, determining if first or second parameters are satisfied. The first parameters may include a first time range, a pairing of the electronic device to a first apparatus, a first geolocation of the electronic device, and a first maximum transaction value. The second parameters may include a second time range, a pairing of the electronic device to a second apparatus, a second geolocation of the electronic device, and a second maximum transaction value, wherein the second time range does not include the first time range.

Abstract: Provided is a control apparatus that receives information regarding a motion of user's fingers and information regarding a shape of user's hands, generates first pose information indicative of a pose of user's hands in accordance with the received information regarding the motion of user's fingers, generates second pose information indicative of a pose of user's hands in accordance with the received information regarding the shape of user's hands, combines the generated first pose information with the generated second pose information in accordance with criteria based on a predetermined condition, and generates and outputs information indicative of the pose of user's hands.

Abstract: A system and method for automatically reconfiguring a user interface based on a product lifecycle that changes a visual appearance of a product image in the user interface to reflect its age or ownership duration is described. In one embodiment, a method includes determining one or more products owned by a user and an ownership period associated with an age or ownership duration of each product. The ownership period is compared to a product lifecycle for the product and, based on the comparison, one or more temporal effects are overlaid onto a base product image for the product. The one or more temporal effects change a visual appearance of the base product image in a user interface on a user device in communication with the unified product application to reflect the age or ownership duration of the product.

Abstract: Technology is disclosed for automatically building an expandable invoice for incurred charges based on recognition of charge-incurring activities by persons whose specific identities are not known via the activity recognition process. A separate process detects location of sourcing and time for a Patron-presence and Patron-identifying Advertising radio Signal (P/PAS) repeatedly broadcast by a P/PAS emitter possessed by each participating patron. Records from the two processes are matched and combined based on substantial proximity in time and space for the activity recognition and the presence detection. Payment on a pay-go-whenever-ready (PGWeR) basis is enabled with use of the built invoice. A patron can pay and leave whenever ready to do so without need for intervention by an on premise staff member.

Abstract: Systems and methods for push provisioning of a financial instrument to an electronic device from a browser are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for push provisioning of a financial instrument to an electronic device from a browser may include: (1) receiving, from a cardholder and at an issuer website accessed by the cardholder by a browser, a request to provision a financial instrument to an electronic wallet provided by an electronic wallet provider and executed by a mobile electronic device; (2) providing an interface to an electronic wallet provider website for the electronic wallet provider and associating the interface with a session id; (3) receiving an electronic device identifier for an electronic device and the session id from the electronic wallet provider; and (4) provisioning the financial instrument to the electronic wallet on the electronic device associated with the electronic device identifier.

Abstract: When a checkout apparatus 10 serving as a money handling apparatus detects that change is left behind after dispensing of the change in a settlement mode, the checkout apparatus 10 shifts from a settlement mode to a left money retaining mode. Upon receiving money in the left money retaining mode, the checkout apparatus 10 stores information on the amount of the money, date and time of the reception, etc., in a memory, thereby managing the left money separately from proceeds from sales. Since the same money handling unit as that for the settlement is used for storage and feeding of the left money, miniaturization and cost reduction of the apparatus is realized. Since money equivalent to the left money can be dispensed as in the settlement, a complicated operation, such as opening a housing of the checkout apparatus 10, is not necessary when responding to a request for a refund of the left money.

Abstract: Systems and methods are provided for notifying providers associated with virtual wallets that the virtual wallets are default virtual wallets for consumers and/or communication devices. One exemplary method includes receiving, at a wallet platform, a request, from a wallet provider associated with a virtual wallet, for confirmation that the virtual wallet is a default virtual wallet at a communication device, determining, by the wallet platform, whether the virtual wallet is the default virtual wallet at the communication device, and providing, by the wallet platform, a notification to the wallet provider. In connection therewith, the notification indicates whether or not the virtual wallet is the default virtual wallet at the communication device, thereby permitting the wallet provider to incentivize a consumer associated with the communication device to select the virtual wallet as the default virtual wallet when the virtual wallet is not the default virtual wallet.