Interconnection Or Interaction Of Plural Electronic Cash Registers (ecrs) Or To Host Computer (e.g., Network Detail, Transfer Of Information From Host To Ecr Or From Ecr To Ecr, Etc.) Patents (Class 705/21)
  • Publication number: 20140012690
    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.
    Type: Application
    Filed: July 5, 2012
    Publication date: January 9, 2014
    Inventors: Stephen P. Capps, Michael Tibbott, Kurt Thams, Richard Scott Perkins, John Paul Minor, Craig Carper
  • Publication number: 20140012691
    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.
    Type: Application
    Filed: July 6, 2012
    Publication date: January 9, 2014
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Carrie Anne Hanson, Scott R. Enscoe, Alexander C. Wittkowski, David M. Grigg, Daniel David, Katherine Dintenfass, Brett Newman, Leo Kopelow, Yameng Li, Nicole Chen, Nicholas Sharp
  • Patent number: 8626590
    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.
    Type: Grant
    Filed: December 26, 2006
    Date of Patent: January 7, 2014
    Inventor: George Lee Istfan
  • Patent number: 8626593
    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.
    Type: Grant
    Filed: August 30, 2012
    Date of Patent: January 7, 2014
    Assignee: APPCARD, Inc.
    Inventors: Yair Goldfinger, Amichay Oren
  • Patent number: 8626730
    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.
    Type: Grant
    Filed: June 27, 2005
    Date of Patent: January 7, 2014
    Assignee: SAP AG
    Inventor: Achim Enenkiel
  • Patent number: 8626664
    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.
    Type: Grant
    Filed: September 28, 2012
    Date of Patent: January 7, 2014
    Assignee: MasterCard International Incorporated
    Inventors: Brad Michael Tomchek, Robert Donald Reany, Michael William Koch, Edward Cletus Seaver, Jonathan Robert Powell
  • Patent number: 8627402
    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.
    Type: Grant
    Filed: December 15, 2006
    Date of Patent: January 7, 2014
    Assignee: The Invention Science Fund I, LLC
    Inventors: Alexander J. Cohen, Edward K. Y. Jung, Royce A. Levien, Robert W. Lord, William Henry Mangione-Smith
  • Publication number: 20140006194
    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.
    Type: Application
    Filed: March 29, 2013
    Publication date: January 2, 2014
    Applicant: RFCyber Corporation
    Inventor: RFCyber Corporation
  • Publication number: 20140006195
    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.
    Type: Application
    Filed: June 28, 2013
    Publication date: January 2, 2014
    Inventor: Naomi Wilson
  • Publication number: 20140006196
    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.
    Type: Application
    Filed: August 29, 2013
    Publication date: January 2, 2014
    Applicant: EBAY INC.
    Inventor: Timothy M. Murphy
  • Publication number: 20140006193
    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.
    Type: Application
    Filed: January 12, 2012
    Publication date: January 2, 2014
    Applicant: CAMELOT STRATEGIC SOLUTIONS LIMITED
    Inventors: Rupert Holt, Robin Brown
  • Patent number: 8620755
    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.
    Type: Grant
    Filed: August 31, 2012
    Date of Patent: December 31, 2013
    Assignee: Wal-Mart Stores, Inc.
    Inventors: Stuart Argue, Anthony Emile Marcar
  • Publication number: 20130346224
    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.
    Type: Application
    Filed: August 28, 2013
    Publication date: December 26, 2013
    Applicant: Boku, Inc.
    Inventor: David Yoo
  • Publication number: 20130346223
    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.
    Type: Application
    Filed: June 26, 2012
    Publication date: December 26, 2013
    Inventors: Rajen S. Prabhu, David Chan
  • Patent number: 8615438
    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.
    Type: Grant
    Filed: January 14, 2010
    Date of Patent: December 24, 2013
    Assignee: Visa International Service Association
    Inventor: Ayman Hammad
  • Patent number: 8615439
    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.
    Type: Grant
    Filed: August 31, 2012
    Date of Patent: December 24, 2013
    Assignee: Wal-Mart Stores, Inc.
    Inventors: Arjun Ramaratnam, Kenneth Hansen, Murad Dar, Puneet Srivastava, Richard Brett Gerry, Ruchitkumar A Shah, Sathya N Dharaneedharan
  • Publication number: 20130339253
    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.
    Type: Application
    Filed: August 27, 2012
    Publication date: December 19, 2013
    Inventor: Dan Moshe Sincai
  • Publication number: 20130339167
    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.
    Type: Application
    Filed: June 12, 2013
    Publication date: December 19, 2013
    Inventors: Mary Theresa Taylor, Karen Louise Cervenka, Marla Bischoff, Justin Chace
  • Publication number: 20130332295
    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.
    Type: Application
    Filed: October 4, 2011
    Publication date: December 12, 2013
    Applicant: NEC INFRONTIA CORPORATION
    Inventor: Takashi Araki
  • Publication number: 20130332294
    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.
    Type: Application
    Filed: June 6, 2012
    Publication date: December 12, 2013
    Inventors: Melvin B. Mooring, II, Edward R. Mooring, JR., Jason Lyles
  • Patent number: 8604928
    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.
    Type: Grant
    Filed: June 19, 2012
    Date of Patent: December 10, 2013
    Assignee: National Networks Limited LLC
    Inventors: Gene Fein, Edward Merritt
  • Patent number: 8606881
    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.
    Type: Grant
    Filed: September 16, 2009
    Date of Patent: December 10, 2013
    Assignee: BlackBerry Limited
    Inventor: Mihal Lazaridis
  • Patent number: 8606710
    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.
    Type: Grant
    Filed: October 25, 2011
    Date of Patent: December 10, 2013
    Assignee: Samsung Electronics Co., Ltd.
    Inventor: Ki Hyun Park
  • Publication number: 20130325642
    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.
    Type: Application
    Filed: May 17, 2013
    Publication date: December 5, 2013
    Applicant: The Western Union Company
    Inventors: Kurt Hansen, Thomas Sayor
  • Patent number: 8600842
    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.
    Type: Grant
    Filed: November 25, 2008
    Date of Patent: December 3, 2013
    Assignee: Bank of America Corporation
    Inventors: William Thomas Sanders, Daniel Christopher Bohen, Shane Anthony Johnson, Amy Baker Folk
  • Patent number: 8600887
    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.
    Type: Grant
    Filed: October 31, 2007
    Date of Patent: December 3, 2013
    Assignee: Transaction Holdings Ltd., LLC
    Inventor: David M. Barcelou
  • Patent number: 8601530
    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.
    Type: Grant
    Filed: December 15, 2006
    Date of Patent: December 3, 2013
    Assignee: The Invention Science Fund I, LLC
    Inventors: Alexander J. Cohen, Edward K.Y. Jung, Royce A. Levien, Robert W. Lord, William Henry Mangione-Smith
  • Patent number: 8600890
    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.
    Type: Grant
    Filed: October 31, 2007
    Date of Patent: December 3, 2013
    Assignee: Transaction Holdings Ltd., LLC
    Inventor: David M. Barcelou
  • Patent number: 8600889
    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.
    Type: Grant
    Filed: October 31, 2007
    Date of Patent: December 3, 2013
    Assignee: Transaction Holdings Ltd. LLC
    Inventor: David M. Barcelou
  • Patent number: 8600818
    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.
    Type: Grant
    Filed: May 11, 2011
    Date of Patent: December 3, 2013
    Assignee: Huawei Device Co., Ltd.
    Inventors: Weiping Zhu, Hong Ye, Qiuming Peng
  • Patent number: 8600888
    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.
    Type: Grant
    Filed: October 31, 2007
    Date of Patent: December 3, 2013
    Assignee: Transaction Holdings Ltd., LLC
    Inventor: David M. Barcelou
  • Publication number: 20130317925
    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.
    Type: Application
    Filed: May 23, 2012
    Publication date: November 28, 2013
    Applicant: eBay, Inc.
    Inventor: Lucy M. Zhao
  • Publication number: 20130317928
    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.
    Type: Application
    Filed: May 24, 2013
    Publication date: November 28, 2013
    Inventor: Kevin Laracey
  • Publication number: 20130317926
    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.
    Type: Application
    Filed: May 25, 2012
    Publication date: November 28, 2013
    Inventors: David Leeds, Christian Hansson, Jacob Waechter
  • Publication number: 20130317927
    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.
    Type: Application
    Filed: May 23, 2013
    Publication date: November 28, 2013
    Applicant: JVL Ventures, LLC
    Inventors: Larry L. Bush, Christopher J. Tomczak
  • Patent number: 8595074
    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.
    Type: Grant
    Filed: July 14, 2004
    Date of Patent: November 26, 2013
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Bansi L. Sharma, Michael L. Peterson
  • Patent number: 8589948
    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.
    Type: Grant
    Filed: May 3, 2006
    Date of Patent: November 19, 2013
    Assignee: Trading Technologies International Inc.
    Inventors: Gary Allen Kemp, II, Jens-Uwe Schluetter, David Garrison, Sagy Mintz
  • Patent number: 8583493
    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.
    Type: Grant
    Filed: October 6, 2010
    Date of Patent: November 12, 2013
    Assignee: Logomotion, S.R.O.
    Inventors: Miroslav Florek, Michal Masaryk, David Alan Riffelmacher
  • Patent number: 8583522
    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.
    Type: Grant
    Filed: October 31, 2007
    Date of Patent: November 12, 2013
    Assignee: Transaction Holdings Ltd., LLC
    Inventor: David M. Barcelou
  • Patent number: 8583499
    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.
    Type: Grant
    Filed: May 1, 2012
    Date of Patent: November 12, 2013
    Assignee: Toshiba Global Commerce Solutions Holding Corporation
    Inventors: Dario De Judicibus, Sandro Leopardi, Leonardo Modeo, Nicola Pergola
  • Publication number: 20130297431
    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.
    Type: Application
    Filed: May 3, 2013
    Publication date: November 7, 2013
    Inventors: Robert M. Deubell, Robert A. Adams
  • Publication number: 20130297434
    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.
    Type: Application
    Filed: July 1, 2013
    Publication date: November 7, 2013
    Inventors: Daniel Rosskamm, Joseph Brenny, Steven Orzel, Stephen L. Eastman
  • Patent number: 8577730
    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.
    Type: Grant
    Filed: December 9, 2009
    Date of Patent: November 5, 2013
    Assignee: CenPos, Inc.
    Inventor: German Efrain Gonzalez Loyo
  • Patent number: 8577727
    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.
    Type: Grant
    Filed: September 17, 2011
    Date of Patent: November 5, 2013
    Assignee: Wait List Ordering, LLC
    Inventor: John Eric Harrity
  • Publication number: 20130290121
    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.
    Type: Application
    Filed: March 18, 2013
    Publication date: October 31, 2013
    Applicant: GOOGLE INC.
    Inventors: Pavel Simakov, Osama Bedier, Angela Chun Wah Lai, Prasenjit Phukan
  • Patent number: 8571952
    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.
    Type: Grant
    Filed: October 31, 2007
    Date of Patent: October 29, 2013
    Inventor: David M. Barcelou
  • Patent number: 8571937
    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.
    Type: Grant
    Filed: October 20, 2011
    Date of Patent: October 29, 2013
    Assignee: Playspan Inc.
    Inventors: Mark Rose, Afshin Shafie, Lex N. Bayer
  • Patent number: 8570158
    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.
    Type: Grant
    Filed: August 13, 2009
    Date of Patent: October 29, 2013
    Assignee: AT&T Intellectual Property I, L.P.
    Inventors: James Pratt, Paul Van Vleck
  • Publication number: 20130282503
    Abstract: An ink billing system is used between a client company X 200 that prints information and a printer manufacturer that supplies ink cartridges (or toner) to company X 200. Company X 200 has a main server 210, a plurality of in-store servers 220, 230 in communication with the main server, and a plurality of inkjet (or laser) printers 240 each having an ink cartridge 20 (or toner) for printing according to commands from the in-store server 220, 230. When billing company X 200 based on the number of ink shots (or drum charging time) used by the printers 240 and stored on the main server 210, the terminal device 100 of the printer manufacturer changes the billing rate per unit of ink according to the ink shot count (or drum charging time).
    Type: Application
    Filed: June 13, 2013
    Publication date: October 24, 2013
    Inventors: Motofumi Shiraiwa, Yoshihiro Ueno, Mitsuhiko Maejima, Shinji Takahashi
  • Publication number: 20130282591
    Abstract: A method and computer readable medium for conducting a transaction, comprising receiving a verification value and a portion of a dynamic data element, determining candidate dynamic data elements using the portion of the dynamic data element, calculating candidate verification values using candidate dynamic data elements, and determining if the received verification value matches any of the candidate verification values, wherein the transaction is thereafter authenticated if a candidate verification value matches a candidate verification value.
    Type: Application
    Filed: June 17, 2013
    Publication date: October 24, 2013
    Applicant: VISA U.S.A. INC.
    Inventors: Patrick Faith, Ayman Hammad