Abstract: A computer-implemented method is disclosed for motivating customer participation in an electronic receipt program. Within the method, a point-of-sale transaction may be initiated. The transaction may involve a computer system comprising a point-of-sale system and a customer possessing a mobile computing device. The computer system may generate receipt data documenting the transaction and deliver the receipt data to the mobile computing device in electronic format. The computer system may further determine an amount of paper saved by delivering the receipt data in electronic format rather than as a paper receipt and pass the amount to the mobile computing device.

Abstract: Telematic Payment Card for use remotely with a Central Control & Processing Unit, for paying goods and services using mobile network, and transferring money between accounts remotely, enabling a payment card with monitor and keyboard to communicate banking and financial data remotely to financial institutions and payment networks via said central unit. It is able to perform Person-to-Person (P2P) payments between card holders, Person-to-Merchant (P2M), Person-to-Machine (P2Mx) or between a card holder and a bank account. It also enables payments as a normal payment card (debit, credit, pre-paid etc) using a POS (Point Of Sale) terminal at a merchant. An embodiment comprises a battery (201), a security chip (202), processor module (203), memory module (204), sound emitter (205), near filed communications (206), mobile communication module (207), connection or inductive power port (208), input means (209), indicator means (210), display/touch screen (211), antennas or data connections (212, 213).

Abstract: A payment server that includes a payment request receiving unit configured to receive a payment request code including a first partial payment code, and a payment code determination unit configured to determine a second partial payment code based on the received payment request code. The payment server also includes a payment code generation unit configured to generate a payment code based on the first and second partial payment codes, the payment code being payable by a user.

Abstract: Embodiments of methods and systems provide transaction processing with dynamic generated codes. In an embodiment, a system comprises a remote server adapted to interact with a POS device and a client device; one or more processors; and one or more memories adapted to store machine-readable instructions to cause the system to: receive, by the server at the remote location, a transaction request from the POS device of the seller, wherein the transaction request includes transaction information in connection with a transaction conducted at the POS device; generate a transaction code upon receiving the transaction request from the POS device, wherein the transaction code includes the transaction information; send the transaction code to the POS device; receive an authorization request for the transaction from the client device after the client device reads the transaction code from the POS device; and process the transaction.

Abstract: The systems, methods, and computer program products (collectively “systems”) described herein are generally configured to monitor actions in digital channels. More specifically, the systems are capable of creating reservations for items and initiating payments for the items based on actions or information received from the digital channel. The systems are capable of syncing transaction accounts with various digital channels. Moreover, the systems are capable of initiating or completing transaction based on user information. The systems may also be capable of providing rewards based on activities or accomplishments in the digital channels. Moreover, the systems may be capable of verifying ring activities based on transaction information.

Abstract: In one embodiment a controller comprises logic to receive a payment request for a purchase transaction, wherein the payment request comprises transaction information associated with the purchase transaction, present at least a portion of the transaction information on a user interface, receive payment source data from a remote resource, securely wrap the payment source data and transmit the payment source data to a remote device. Other embodiments may be described.

Abstract: The CLOUD-BASED VIRTUAL WALLET NFC APPARATUSES, METHODS AND SYSTEMS (“EAE”) transform user enhanced security transaction initiation requests using EAE components into time-limited, session-specific transaction bounding tokens. In some implementations, the disclosure provides a processor-implemented method of transforming a transaction bounding token request into transaction bounded tokens and purchase authorizations.

Abstract: A method for communicating between a service terminal device and one or more user devices includes receiving from a user device a selection signal to select a content from contents of the service terminal device according to a first wireless communication standard, and transmitting the selected content from the service terminal device to the user device according to a second wireless communication standard when the user device is placed in close proximity to the service terminal device.

Abstract: For communicating payments, a mobile device reads a point-of-sale code from a point-of-sale device. A clearing house generates a payment authorization comprising an authorization code and a transaction amount. The clearing house communicates the payment authorization through the mobile device to the point-of-sale device. The point-of-sale device completes the transaction in response to receiving the payment authorization.

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: A method within a gateway for facilitating a payment portion of a transaction involving a merchant and a user of a wireless device includes receiving at the gateway a first set of information related to the transaction, the first set of information originating from a merchant device and including an identifier of the merchant device and a quanta of value, receiving at the gateway a second set of information related to the transaction, the second set of information originating from the wireless device and including an identifier of the wireless device and the identifier of the merchant device, processing the first and second sets of information, including correlating the first set of information and the second set of information based on at least the identifier of the merchant device, and sending an indicia of authorization based on at least the quanta of value.

Abstract: Techniques to custom define transaction sessions are provided. A plugin-based architecture is provided having tasks as units of atomic work that are bound to orchestrators. The orchestrators form plug-in transaction sessions. Specific instances of plugin transaction sessions are deployed and processed from network-based machines, such as but not limited to kiosks.

Abstract: In some embodiments, an electronic device comprises an input interface, a communication interface, a processor, and logic to launch, in the electronic device, a shopping application associated with one or more specific vendors, establish, via the communication interface, a communication connection between the electronic device and a shopping server, and receive, via the input interface, an identifier associated with one or more products sold by the one or more specific vendors, receive, via the communication interface, point of sale information associated with the one or more products associated with the identifier, receive, via the communication interface, a transaction authorization to purchase the one or more products associated with the identifier, and execute the purchase transaction on the electronic device. Other embodiments may be described.

Abstract: In accordance with an embodiment, a device connection unit capable of connecting the peripherals related to a commodity sales processing carries out a data transmission/reception with an information processing terminal if the information stored in the information processing terminal is consistent with that stored in a storage medium accessing the device connection unit.

Abstract: In one embodiment the present invention includes a payment system for a commercial transaction. The payment system includes an account server that a consumer accesses using the consumer's mobile telephone number. The account server updates the consumer's account and the merchant's account according to the transaction. The account server sends a confirmation directly to the consumer's mobile telephone.

Abstract: A payment system includes an information processing apparatus, a sales terminal, and a server that are configured to establish communication with each other. The server includes a member information database that has ID information stored in association with a member ID of a member of the payment system; a member ID receiving unit that receives the member ID from the information processing apparatus; a member identifying unit that refers to the member information database and identifies the member ID associated with the ID information; a sales information transmitting unit that transmits the sales information that has been transmitted from the sales terminal along with the ID information; and a payment processing request unit that receives from the information processing apparatus card information to be used to pay the payment amount indicated in the sales information and transmits a payment processing request including the card information to a financial institution.

Abstract: Systems and methods for product purchase and registration are disclosed. One disclosed method includes the steps of capturing a product identifier, the product identifier identifying a product; transmitting the product identifier to a first remote server; responsive to transmitting the product identifier, receiving a vendor identification number (VIN), the VIN based on the product identifier; providing the VIN to a point-of-sale (POS) device; and activating the product.

Abstract: Example systems and methods for authorizing a financial charge from the head unit of a vehicle are shown, in m example, vehicle position information is received from the head unit at a cloud server. The cloud server can also receive purchase information from the head unit of the vehicle. The cloud server can then verify that the purchase is appropriate given a location of the vehicle, based on the purchase information and the vehicle position information, and pass the purchase information to a credit or debit card processor when the purchase has been verified.

Abstract: A system and method for activating and funding prepaid cards at the point of sale by making innovative use of existing point-of-sale devices and existing credit/debit card acceptance networks and processes. The invention obviates the need to implement new/different technology at point-of-sale terminals that are widely used at retail outlets. This invention makes use of the existing credit and charge card systems and processes, including industry standard message formats, to settle funds and fees between the seller and the issuer of the prepaid card, thus further reducing the expense and time-to-market for product distribution.

Abstract: A system for transmitting information between a seller and a supplier uses a web services application to interface between a seller application and the supplier's server. The web services application uses a proxy to transmit information from the web services application to the supplier's server in a secure and reliable manner. The information is transmitted via HTTP using SOAP messages that conform to WSDL. In such a manner, the web services application can transmit selected information to the supplier's server, without any need to re-key redundant information. The proxy provides various services, such as encryption/decryption, digital signing, non-repudiation services, reporting capabilities, and software updating capabilities.

Abstract: A method and system for authenticating a transaction request from a device are provided. The method includes storing authentication information that is generated by the device based on a user input to the device; and when the device approaches to within a predetermined range from the POS terminal, providing the authentication information to the POS terminal. The authentication information that is provided to the POS terminal is compared with authentication information that is generated by the POS terminal based on a user input to the POS terminal, and then is used to authenticate a transaction request from the device.

Abstract: A commodity registration apparatus includes a tablet apparatus which an input section and a display section of a screen respectively arranged on a housing and an information processing section configured to carry out a commodity sales registration processing and a checkout processing by the input section and the display section and determine the registration of the commodities purchased in a transaction by the closing operation input from the input section, a wireless transmission section configured to wirelessly transmit an issuing instruction of receipt information containing the content of the transaction by the tablet apparatus to a printing device and a notification section configured to display a transaction completion notice on the display section by the closing operation input to the information processing section of the tablet apparatus which makes the wireless transmission section transmit the issuing instruction.

Abstract: An error condition can be detected at a first point-of-sale (POS) system during a transaction for a customer. The first POS system is a self-service POS system. Responsive to the error condition, the transaction can be transferred to a second POS system using a processor without human intervention.

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: Methods, devices, systems and computer readable media can be configured to facilitate receipt of a unique product identifier. The unique product identifier can correspond to a customized product. In one embodiment, an account identifier is received. The account identifier may correspond to an online account of a consumer purchasing the customized product. In an embodiment, an object associated with the online account is determined. The object may represent a portion of a building. In an embodiment, the object is associated with the customized product.

Abstract: A payment method and a system are provided. The payment method allows making a payment for a purchased product with an electronic wallet account linked with a telephone number.

Abstract: A method for offering at least one credit product by at least one credit issuer to a consumer at a point-of-sale between a merchant and the consumer. The method includes the steps of: providing a credit issuer data set including a plurality of data fields to a central database; initiating a transaction between the consumer and the merchant at the point-of-sale; offering, to the consumer at the point-of-sale, the at least one credit product; and presenting, to the consumer at the point-of-sale, at least one data field in the credit issuer data set. The at least one data field presented to the consumer is populated with data directed to the credit product, the credit issuer, or any combination thereof. An apparatus and system are also disclosed.

Abstract: The present application provides a remote beverage dispensing system for filling a number of orders with one or more beverage selections. The remote beverage dispensing system may include a point-of-sale device for receiving the orders and a remote beverage dispenser for filling the orders. The remote beverage dispenser may include a point-of-sale order queue and a manual selection screen. The point-of-sale order queue may include the beverages selections in each of the number of orders.

Abstract: A method of operation of a transaction collection system includes: initializing a sniff daemon on the POS terminal; determining a sales transaction on the POS terminal; recording a transaction document of the sales transaction on a memory of the POS terminal; collecting the transaction document from the memory with the sniff daemon; and providing the transaction document for interpretation on an external system.

Abstract: An apparatus for enrolling a package is disclosed including: a receiving surface for receiving the package; at least one weight sensor in communication with the receiving surface which generates a weight signal indicative of the weight of the package; at least one video camera which generates a video signal indicative of an image of the package on the receiving surface; and a processor in communication with the at least one weight sensor and the at least one video camera. The processor includes: a weight module which produces, in response to the weight signal, weight data indicative of the weight of the package; and a dimension capture module which produces, in response to the video signal, dimension data indicative of the size of the package. In some embodiments, the processor further includes a recognition module which produces, in response to the video signal, character data indicative of one or more characters present on the package.

Abstract: A method of processing receipts, including: obtaining transaction data including a plurality of categories of information necessary to describe a purchasing transaction of a customer at a store location; obtaining image data representing a receipt corresponding to the purchasing transaction of the customer at the store location; obtaining an e-mail address of the customer; providing an option to print the receipt at the store location and an option to e-mail the receipt to the customer; obtaining a selection of at least one of the provided options; if the option to print is selected, initiating printing of the image at the store location; and if the option to e-mail is selected, sending an e-mail to the e-mail address of the customer, the e-mail including providing at least one of the image data and the transaction data.

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: An optical article for playback in a player includes a first file comprising a first control logic; and a second file comprising a second control logic. The first file is configured to direct the player to play a first content data stored on the optical article, when the first control logic is read by the player. The player is directed to read the second file if the player cannot read the first file. The second file is configured to direct the player to play a second content data stored on the article when the second control logic is read by the player. The optical article includes a mark containing an optical state change material disposed on at least a portion of the first file, wherein the mark is in one of a first optical state or a second optical state, and wherein the first control logic can be read only when the mark is in the second optical state.

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 collect receipt data documenting the transaction. The computer system may generate a barcode unique to the transaction and comprising encoded data. Once the transaction has been completed, the computer system may present the barcode to the customer. This may be done via a printed receipt, a customer-facing display, or the like. Using the encoded data, the computer system may deliver the receipt data to a computing device in the possession of the customer. For example, the encoded data may comprise the receipt data. Alternatively, the encoded data may comprise a URL directing the computing device to a resource system from which the receipt data may be downloaded.

Abstract: An activity-oriented studying method in an online-to-offline manner is suitable for athlete training, language learning, weight management, health management, potential development or in-depth travel. The activity-oriented studying method includes providing a network platform and a physical storefront, and selecting a coach on the network platform by a user, and recommending a personal course to the user according to a study record of the user on the network platform by the coach. The activity-oriented studying method further includes confirming the personal course on the network platform by the user, so that the user attends an interactive class with the coach face to face in the physical storefront. After the course, the activity-oriented studying method further includes updating the study record via the network platform by the user, and grading the user via the network platform so as to record a grade of the user into the study record by the coach.

Abstract: In one embodiment, a method comprises storing a biometric trait of a user in a data communication device of the user, comparing a biometric trait input into the device with the biometric trait stored in the device, generating a certificate authenticating the user within the device if the biometric trait input into the device matches the biometric trait stored in the device, and facilitating a financial transaction of the user using the certificate.

Abstract: The present invention extends to methods, systems, and computer program products for transferring digital receipt data to mobile devices. A point-of-sale (“POS”) system generates digital receipt data as part of a sales transaction. The point-of-sale (“POS”) system and a mobile device, possibly also along with a receipt data server, interoperate with one another to transfer digital receipt data generated to the mobile device. In some embodiments, the point-of-sale (“POS”) system transfers digital receipt data for a sales transaction to the receipt data server. An identifier, such as, for example, an application identifier or transaction identifier, is stored along with the digital receipt data to match the digital receipt data with the mobile device. The mobile device subsequently uses the identifier to access the digital receipt data from the receipt data server. In other embodiments, the point-of-sale (“POS”) system transfers digital receipt data directly to the mobile device.

Abstract: The present invention extends to methods, systems, and computer program products for transferring digital receipt data to mobile devices. A point-of-sale (“POS”) system generates digital receipt data as part of a sales transaction. The point-of-sale (“POS”) system and a mobile device, possibly also along with a receipt data server, interoperate with one another to transfer digital receipt data generated to the mobile device. In some embodiments, the point-of-sale (“POS”) system transfers digital receipt data for a sales transaction to the receipt data server. An identifier, such as, for example, an application identifier or transaction identifier, is stored along with the digital receipt data to match the digital receipt data with the mobile device. The mobile device subsequently uses the identifier to access the digital receipt data from the receipt data server. In other embodiments, the point-of-sale (“POS”) system transfers digital receipt data directly to the mobile device.

Abstract: Methods and systems for a secure financial transaction that can be processed through open loop or closed loop networks using electronically readable or visual data that is preferably provided or integrated into a financial card to determine network selection and card authentication and verification requirements.

Abstract: The present invention extends to methods, systems, and computer program products for transferring digital receipt data to mobile devices. A point-of-sale (“POS”) system generates digital receipt data as part of a sales transaction. The point-of-sale (“POS”) system and a mobile device, possibly also along with a receipt data server, interoperate with one another to transfer digital receipt data generated to the mobile device. In some embodiments, the point-of-sale (“POS”) system transfers digital receipt data for a sales transaction to the receipt data server. An identifier, such as, for example, an application identifier or transaction identifier, is stored along with the digital receipt data to match the digital receipt data with the mobile device. The mobile device subsequently uses the identifier to access the digital receipt data from the receipt data server. In other embodiments, the point-of-sale (“POS”) system transfers digital receipt data directly to the mobile device.

Abstract: A system and method for acquiring electronic data records is provided. A visual artifact encoded with content for acquiring an electronic data record associated with dynamic content is acquired at a portable electronic device. The visual artifact is processed to determine the content. The electronic data record is retrieved from a remote server via a network connection by processing the content at the portable electronic device.

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: A program for running on a processor of a portable payment device is adapted for carrying out a payment interaction and permitting ticket storage in a memory of the portable payment device. The program is configured to interact with an access point and includes a set of instructions, a first code portion and a second code portion. The set of instructions, when executed by the processor, causes the portable payment device to perform the steps of: responsive to a first message from said access point, executing the first code portion; and responsive to a second message from the access point, executing the second code portion. The first code portion includes first instructions corresponding to the payment interaction. The second code portion includes instructions corresponding to the payment interaction and second instructions corresponding to the ticket interaction.

Abstract: Disclosed are methods, systems, apparatus, devices, products and other implementations, including a method that includes intercepting, by a monitoring system, communications in a closed system between one or more peripheral devices and one or more host devices, the closed system being configured to enable communication between only designated closed system devices, the designated closed system devices including the one or more peripheral devices and the one or more host devices, with the communications including information relating to one or more transactions. The method further includes generating, by the monitoring system, based on at least one of the intercepted communications, supplemental data relating to at least one transaction of the one or more transactions, and communicating from the monitoring system to at least one of the designated closed system devices the supplemental data relating to the at least one transaction.

Abstract: Mobile POS techniques are presented. A POS interface is configured and distributed to a mobile device over a network connection. The POS interface is a self-contained retail transaction system for a retailer. The mobile device is configured to execute the retail transaction system providing remote network or cloud-based services for data retrieval, and data storage to the retail transaction system on the mobile device. One or more retail transactions are processed on the mobile device via the POS interface.

Abstract: An online catalog system and method provide customers with a way to place online orders with local merchants, while providing local merchants with the ability to receive payment on an order for order basis prior to shipping the order to the customer. A local merchant's inventory and pricing information is hosted on an online catalog system. An order processing device in communication with the online catalog system is provided to the local merchant. The order processing device receives online order requests and payment information from customers via the online catalog system. The order processing devices generates a payment article at the local store comprising payment information that is then processed at the local merchant's point of sale device.

Abstract: An online catalog system and method provide customers with a way to place online orders with local merchants, while providing local merchants with the ability to receive payment on an order for order basis prior to shipping the order to the customer. A local merchant's inventory and pricing information is hosted on an online catalog system. An order processing device in communication with the online catalog system is provided to the local merchant. The order processing device receives online order requests and payment information from customers via the online catalog system. The order processing devices generates a payment article at the local store comprising payment information that is then processed at the local merchant's point of sale device.

Abstract: Aspects of the invention are directed to a two phase payment link and authorization method and system for mobile devices. A method for payment and authorization according to an embodiment includes: requesting and receiving, at a mobile device, a transaction identifier from a payment service; displaying the transaction identifier on a display of the mobile device, wherein the transaction identifier is in a machine readable format; scanning the transaction identifier at a point of sale system; sending the transaction identifier and transaction information associated with items to be purchased from the point of sale system to the payment service; creating, at the payment service, a logical link between the mobile device and the point of sale system, based on the transaction identifier; and sending the transaction information from the payment system to the mobile device.

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: A system and method for facilitating a financial transaction over a network including use of a passphrase account identifier is described herein. In one embodiment, a system for facilitating a financial transaction over a network comprises a communication interface; and a payment provider system configured to receive via the communication interface a passphrase account identifier from a merchant system, match the passphrase account identifier to a corresponding funding instrument number of a corresponding funding instrument, communicated the corresponding funding instrument number to an issuer system, receive from the issuer system a notification indication of one of acceptance of the funding instrument or decline of the funding instrument, and communicate back to the merchant system the notification indication.