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.

Abstract: Disclosed herein are systems and method for facilitating transactions between a merchant-partner and an end-user (e.g., a customer of the merchant-partner). More specifically, presented herein are pricing systems and methods for establishing and staging transactions between a point-of-sale terminal, one or more merchant-partners, and a service provider.

Abstract: Systems and methods for monitoring categorized spending limits and promoting savings are provided herein. The systems and methods, identify transactions associated with a spending category that occur during a period of time based on the transaction data, where the spending category comprises a spend limit; provide a confirmation prompt on a display of a mobile device of a user that is in communication with the system; and deduct a transaction amount for each of the transactions from the spend limit in response to receiving a confirmation from the user.

Abstract: The subject matter described herein includes methods, systems, and computer program products for automatic online group ordering of food from a restaurant. According to one method, input for creating a group online food order from a restaurant is received. The input defines a group of individuals to invite to participate in an online group food order from a restaurant is received. In response to the input, invitations are automatically and electronically sent to the individuals inviting the individuals to participate in the group order. Individual orders are received from at least some of the individuals. The individual orders are combined into a group order. The group order is automatically communicated to the restaurant.

Abstract: Described herein are apparatus and methods for collecting and manipulating transaction data. For example, presented herein is an apparatus including: a first I/O port; a second I/O port of a same type as the first I/O port, wherein the second I/O port is connected to the first I/O port such that data passed into the first I/O port is allowed to pass through the apparatus to the second I/O port unimpeded in at least a first operating mode; a processor; and a non-transitory computer readable medium storing instructions thereon wherein the instructions, when executed, cause the processor to: collect information passed from a first computing device connected to the first I/O port to a second computing device connected to the second I/O port, identify, from the information, transaction data; and provide, to a third computing device, the transaction data.

Abstract: Data processing systems and methods are disclosed for providing a payment using a Web service. In one implementation, a first computer is used for entry of data values into respective data entry fields of an electronic data entry form. Further, an identifier of the Web service, such as the uniform resource locator (URL) of the Web service, is entered into the first computer. Next, the first computer initiates data processing for providing the payment that is to be performed by a second computer on the basis of the data values entered into the electronic data entry form. The initiation and/or performance or completion of the data processing is signaled to the Web service by sending corresponding signaling data, which includes payment advice data of the payment. The Web service is coupled to a third computer that receives a result of the data processing from the second computer.

Abstract: A computer-based method for processing a payment transaction using an enhanced payment card is provided. The transaction is processed using a computer device coupled to a storage device. The enhanced payment card is issued to a cardholder by an issuer. The method includes receiving an authorization request message associated with a merchant. The authorization request message includes a card identifier and relating to a transaction initiated by the cardholder with the merchant using the enhanced payment card. The method includes transmitting an authorization response message to the merchant. The authorization response message is generated by the issuer and including an instructing message. The merchant is instructed, via the instructing message, to transmit to the computer device an addendum file including enhanced transaction data for the transaction.

Abstract: A device, method, computer program product, and network subsystem are described for associating a first mobile agent with a first security policy and a second mobile agent with a second security policy or for providing a first agent with code for responding to situational information about the first agent and about a second agent and for evaluating a received message at least in response to an indication of the first security policy and to an indication of the second security policy or for deploying the first agent.

Abstract: Techniques for mobile devices configured to support settlement of charges in electronic invoices or bills are described. A mobile device embedded with a secure element generates or is loaded with an electronic invoice. When the mobile device is brought to a consumer with an NFC mobile device, the data including the electronic invoice and other information regarding the mobile device or an owner thereof is read off wirelessly into the NFC mobile device. After the user verifies the amount being charged and authorizes the payment, the NFC mobile device communicates with a payment gateway or network for payment that is configured to proceed with the payment in accordance with a chosen payment methods.

Abstract: A system and method for facilitating checkout, such as in retail establishments for example grocery stores, whereby a user utilizes a mobile device to collect product identification and pricing information. At checkout, the user presents the mobile device to the legacy scanning system of the retail establishments whereby barcodes or other graphic information symbols are presented to the scanner, enabling quick check out. Product, shopper, and other data related to the shopping experience may be collected and further utilized by the system provider. The system and method of the invention reduce the time required for checkout and enables the collection of data for later use by the system provider. Additional embodiments include the use of remote server generated QR codes or other graphic information symbols to further reduce checkout time. Data mining may be performed on collected user information and provide the businesses for marketing and advertising purposes.

Abstract: An identifier of a mobile device may be accessed. The identifier may be associated with a payment account. A single use authentication code relating to the identifier may be generated. The single use authentication code may be capable of being used to authenticate the mobile device at a point of sale (POS) device and enable a funds adjustment to the payment account. The single use authentication code may be provided to the mobile device through a communications network.

Abstract: According to one aspect, the present invention resides in an electronic transaction system for managing transactions related to items selected by a user, such as a checkout POS terminal for example. The system comprises a first transaction module arranged to manage transactions in respect of local items supplied within a retail environment; a data store arranged to store updatable data relating to remote items provided by a remote server; and a second transaction module arranged to access the updatable data to provide access to the remote items via the electronic transaction system.

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 computer-based method of managing electronic transactions is described. A plurality of consumer accounts is stored in a data store, each consumer account having a first consumer account identifier. A second consumer account identifier is received in a point-of-sale device. A charge request including an amount and a second consumer account identifier is received, wherein the second consumer account identifier is not an MSISDN. A selected one of the consumer accounts is identified by associating one of the first consumer account identifiers with the second consumer account identifier. An authorization request is transmitted to a consumer device. A response to the authorization request is received from the consumer device, and the charge request is processed based on an account detail of the selected consumer account, wherein the charge request is processed if the response is the authorization response.

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: A system and method is described for alerting authorities or taking other corrective authoritative action to a possibly fraudulent credit card transaction. A cardholder is notified that a transaction has just taken place and is given an opportunity to indicate that he or she did not authorize the transaction. If so indicated, and depending on how recent the transaction was (e.g. 15 seconds ago) then an alert is automatically sent to the merchant, store security, or local police. In addition, a store camera can be automatically activated to zoom in and record the perpetrator of the fraudulent transaction.

Abstract: Disclosed are systems and methods for managing transactions in which an order is specified online and payment is received at a point of sale (POS). Methods are disclosed for managing payment for such transactions at a POS, including transactions involving payment for both in-store purchases and online orders. Methods are also disclosed for managing inventory and price changes for such transactions where payment can occur at any time in a pay period following order creation. Also disclosed are methods for processing refunds for online orders for which payment was made at a POS. Finally, methods for preventing fraud and abuse as well as restricting the availability of this payment method for certain items are disclosed.

Abstract: A system and method for conducting financial transactions by means of a smartphone is disclosed. A barcode is printed on the invoice, which is scanned by the mobile device screen. The mobile device is used instead of a credit card or cash. Provisions for data security, transaction verification, and communications protocols are disclosed.

Abstract: Systems, methods, and apparatuses for providing a portable consumer device (e.g., a plastic card) that includes a coupon code and an account number (e.g., embedded on a magnetic stripe or a chip) where the portable consumer device is configured to apply a coupon to goods and services purchased at a merchant (e.g., store). Upon identifying the goods and services under a particular category specified by the coupon code (e.g., healthy food category), a user may pay for a predetermined portion (e.g., 50%) of the goods and services under the particular category using the portable consumer device. The user may pay for the remaining portion using a benefits card (e.g., state benefits card). As such, by allowing the user to pay for the predetermined portion using the portable consumer device, the user has incentive to purchase goods and services that fall under the particular category.

Abstract: Provided is a POS system, including a terminal (12) that includes a bank deposit amount calculating unit (122) for calculating a bank deposit amount for each business day, in which the bank deposit amount calculating unit (122) subtracts an amount spent for other uses than as a change from a total amount of cash gained on a day that validity of the spending is judged and approved, to thereby calculate a bank deposit amount of the day. With this configuration, the management of cash such as a change fund in the POS system is clarified.

Abstract: The PreGame payment system is provided to optimize throughput capacity for retail establishment, such as restaurants, bars, grocery stores, or the like, by providing a secure and speedy method of accumulating and paying expenses on a tab maintained with the retail establishment. The PreGame system provides the everyday patron the opportunity to open, track, and close their own tabs with each retailer via their handheld or mobile device, eliminating any physical monetary exchanges or credit card exchanges between the retail staff person and the patron.

Abstract: A method, system, and apparatus are disclosed wherein an RFID transponder response signal is coupled with a data file as an identifier. The RFID transponder response signal is used in its raw, or a digitized version of its raw, state.

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: A method and a system of paying a public transportation fare via a mobile device are provided. The method includes connecting the mobile device to an Access Point (AP) installed to a Transportation System (TS), transmitting a first message, from the TS to a Communication Service Providing Server (CSPS), including a list of mobile devices connected to the AP, including the mobile device, identification-information regarding the AP, and the current location information regarding the mobile device, transmitting, when the mobile device is disconnected from the AP, a second message, from the TS to the CSPS, including a list of mobile devices connected to the AP, excluding the mobile device, the identification-information regarding the AP, and the current location information regarding the TS, and calculating, by the CSPS, the transportation fare to charge the mobile device and transmitting a transportation fare charge message to the mobile device.

Abstract: The present invention provides systems and methods to initiate, facilitate, process and/or perform money transfers. One such method includes receiving a request for a transfer pair verification from a vendor location (360), and verifying that the transfer pair is associated with a valid transfer pair record (362). The method includes sending the transfer pair verification to the vendor location (368), receiving a money transfer request (370) associated with the transfer pair from the vendor location, and authorizing a money transfer (372) to at least one of a first and second customers associated with the transfer pair. In this manner, a vendor location, which may include a point-of-sale device and may be a retail outlet (e.g., grocery store, gas station, or the like), can be used to facilitate a money transfer between two customers.

Abstract: A cash recycler includes one or more universal cartridges storing cash which may be exchanged between different types of cash recyclers. The swapping of universal cartridges may allow for improved efficiency when a cash handling device is detected to have a need for additional currency, removal of surplus currency, removal of unfit currency, and other services.

Abstract: An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the course of delivering the goods or services offered, so for example in a combination ATM and Internet kiosk the same credit card or smart card reader is used for both the ATM and the Internet kiosk functions, the same control screen activates the ATM functions and the Internet functions, and etc.

Abstract: An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the course of delivering the goods or services offered, so for example in a combination ATM and Internet kiosk the same credit card or smart card reader is used for both the ATM and the Internet kiosk functions, the same control screen activates the ATM functions and the Internet functions, and etc.

Abstract: A device, method, computer program product, and network subsystem are described for associating a first mobile agent with a first security policy and a second mobile agent with a second security policy or for providing a first agent with code for responding to situational information about the first agent and about a second agent and for evaluating a received message at least in response to an indication of the first security policy and to an indication of the second security policy or for deploying the first agent.

Abstract: A method, device, and system for carrying a Point of Sale (POS) data service over an IP network are disclosed. A method for carrying a POS data service over an IP network includes receiving, by a home gateway, a number dialed by a user at a POS. When determining that the number dialed at the POS is a POS access code according to configuration information, a call link with a softswitch is set up through Session Initiation Protocol (SIP) signaling interactions and Session Description Protocol (SDP) negotiation is performed with the softswitch. A DSP inside the home gateway is switched from a normal voice mode to a POS data service mode. POS negotiation is performed with a Network Access Server (NAS) connected to a banking center and data services exchanged between the POS and the banking center are transferred after successful negotiation.

Abstract: An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the course of delivering the goods or services offered, so for example in a combination ATM and Internet kiosk the same credit card or smart card reader is used for both the ATM and the Internet kiosk functions, the same control screen activates the ATM functions and the Internet functions, and etc.

Abstract: An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the course of delivering the goods or services offered, so for example in a combination ATM and Internet kiosk the same credit card or smart card reader is used for both the ATM and the Internet kiosk functions, the same control screen activates the ATM functions and the Internet functions, and etc.

Abstract: A system according to an embodiment comprises one or more processors; and one or more memories adapted to store a plurality of machine-readable instructions which when executed by the processor(s) are adapted to cause the system to: receive online search information in connection with one or more desired items from a user device of a user, wherein the user device includes an application loaded in the user device from a server at a remote location; auto-synchronize the online search information to a mobile device of the user; and send an alert via the mobile device when the mobile device is in a proximity of a point of sale location of the one or more desired items associated with the online search information.

Abstract: Embodiments of the present invention relate to systems, methods, processes, computer program code, and means for creating digital wallets for users. In some embodiments, digital wallets are created, at least in part, on information obtained from payment transactions conducted by users.

Abstract: A method and system are provided for communicating digitized data associated with a purchase made by expenditure of a monetary credit account, such as a gift card account. The digitized data may be or comprise audio, photographic or video data. A gift card may be provided that relates to a monetary credit account that may specify an expendable monetary value, a benefactor who initiated the account, and a beneficiary who may use the monetary card. The gift card may record of at least part of the monetary credit account. The system may enable the generation of an electronic message that includes digitized data representing a purchased item and the message may be communicated to a photo-sharing webservice and/or an address associated with the benefactor. The digitized data may be a photograph, icon or a graphic image and the purchased item may be a service, good, license, lease, rent, or permission.

Abstract: Systems, methods and computer program products are provided for managing contactless transactions. A first tap is performed when a system is placed within a predetermined proximity to a payment terminal. A first select command including an AID corresponding to a first application is received from the payment terminal. A first response based on the first select command is transmitted to the payment terminal. A data request including information indicating supported data types is received from the payment terminal. A second response based on the data request and including transaction data is transmitted to the payment terminal. The transaction data includes at least a portion of commerce data stored in the at least one memory.

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: Management of transaction message flow utilizing a transaction message queue. The system and method are for use in financial transaction messaging systems. The system is designed to enable an administrator to monitor, distribute, control and receive alerts on the use and status of limited network and exchange resources. Users are grouped in a hierarchical manner, preferably including user level and group level, as well as possible additional levels such as account, tradable object, membership, and gateway levels. The message thresholds may be specified for each level to ensure that transmission of a given transaction does not exceed the number of messages permitted for the user, group, account, etc.

Abstract: A payment terminal using a mobile communication device, such as a mobile phone, is located on a removable memory card (1) which is adjusted in such a way so it can be inserted into an additional hardware slot which is used to add functionalities that surpasses the basic functions of the mobile communication device. (4). A payment POS terminal application runs on a removable memory card (1), which also contains at least one payment card. The configuration data of the terminal's selected identity and the payment card's data are located in the separate parts of the secure element (3, 31, 32) or in completely independent secure elements (3, 31, 32). The payment card's unit (7) with the card's payment application is located in the secured part of the memory, separately from the terminal's configuration data unit (6). The memory card (1) is of SD type or miniSD or microSD card or an M2 card.

Abstract: An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the course of delivering the goods or services offered, so for example in a combination ATM and Internet kiosk the same credit card or smart card reader is used for both the ATM and the Internet kiosk functions, the same control screen activates the ATM functions and the Internet functions, and etc.

Abstract: A system for implementing a method that books and pays a retailer having a POS connected to a transaction server storing confidential user information including a retailer identification, a user code, and a user wireless device phone number. The method includes: receiving at the transaction server, from the user wireless device which can be a cell phone, an SMS containing a retailer identification; reading at the transaction server the phone number of the wireless device communicated by the carrier transporting the SMS; authentifying the phone number and retailer identification with the stored confidential user information; sending the user confidential information to the retailer POS. The user enters on the POS the user code. The POS reads and authentifies the user code with the user confidential information received from the transaction server. The retailer enters the payment information on the POS and sends it with user information to the transaction server.

Abstract: A method of generating a gift card comprising: (a) receiving indicia corresponding to at least one of a product indicia representative of a particular product and a service indicia representative of a particular service; (b) making a gift card graphic available to the processing device that matches at least one of the product indicia and the service indicia; (c) merging the gift card graphics with a gift card template to create a virtual gift card; (d) recording the virtual gift card with a memory accessible by a kiosk that includes a gift card printer; and, (e) generating a receipt uniquely corresponding to at least one of the virtual gift card and a tangible gift card.

Abstract: A service plan product providing a tangible representation of a service plan includes a support backer and a tag removably coupled with the backer. The tag includes service plan account identification means corresponding to a service plan account stored in a database and plan administrator contact indicia. The tag is configured to be removed from the backer and applied to a primary product for which the service plan is provided, and wherein only the service plan account identification means is required for the service plan administrator to access the database to identify details regarding the service plan account. Related systems and methods are also disclosed and provide additional advantages.

Abstract: Embodiments of the present invention provide a method, system and computer program product for cash management optimization method for payment processing. In an embodiment of the invention, a cash management optimization method for payment processing can include receiving a transaction profile for a proposed transaction as payment for a purchase by a purchaser from a merchant at a card processing terminal configured to identify a card number for a card. The method further can include comparing the transaction profile to merchant-specified preferences mapping different transaction profiles to different payment processors. A payment processor for the proposed transaction can be selected based upon the comparison of the transaction profile to the merchant-specified preferences. Thereafter, the proposed transaction can be routed over a computer communications network to the selected payment processor for payment processing.

Abstract: A system includes a master device and a slave device. The slave device is configured to provide a customer waiting to be seated at a restaurant with menu information for the restaurant, receive at least one of a drink order or a food order from the customer while the customer is waiting to be seated at the restaurant, and transmit the at least one of a drink order or a food order. The master device is configured to receive the at least one of a drink order or a food order from the slave device, and cause the at least one of a drink order or a food order to be forwarded to a kitchen of the restaurant based on at least one of a position of the customer on a waiting list or an estimated amount of time until the customer will be seated.

Abstract: Novel features to be used in a proxy card payment system include a real-time request to override a declined transaction or to select a different financial account and the insertion of user identification information into the transaction approval message sent to the merchant. A payment request is forwarded to the payment system, which maintains the proxy card account and determines whether the transaction violates a user-defined rule. If the transaction is declined by the issuer that maintains the financial account, or the payment system for violation of a user-defined rule, the payment system sends a real-time message to the user. The user is prompted to override the rule causing the transaction to be declined or to select a new account to process the transaction. Once the payment system receives authorization for the transaction, it inserts the user identification information in an approval message before transmitting the approval to the merchant.

Abstract: An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the course of delivering the goods or services offered, so for example in a combination ATM and Internet kiosk the same credit card or smart card reader is used for both the ATM and the Internet kiosk functions, the same control screen activates the ATM functions and the Internet functions, and etc.

Abstract: The DYNAMIC PAYMENT OPTIMIZATION APPARATUSES, METHODS AND SYSTEMS (“DPO”) transform requests for on-demand and flexible monetization and related services via DPO components into currency transfers, purchase receipt notifications, social networking communications and transaction analytics reports. In some embodiments, the DPO obtains a user product purchase request for a user engaged in an online experience at a point of sale device. The DPO parses the user product purchase request, and thereby identifies at least one attribute of at least one of: the user; the online experience; and the point of sale device. The DPO customizes one or more properties of a user interface for initiating a purchase transaction related to the user product purchase request, according to the identified at least one attribute of the user, the online experience or the point of sale device; and providing the customized user interface.

Abstract: A method and system for programming a universal remote control (URC) to operate with a remote-controlled device is disclosed. In response to an indication of a purchase transaction for a remote-controlled device, a network identity and a device identifier may be sent to client-premises equipment (CPE). The CPE may then program the URC to control the remote-controlled device.