Abstract: A user conducts a wireless payment transaction with a merchant system by transmitting payment information from a user device to a terminal reader without accessing a secure element resident on the user device. A user taps a user device in a merchant system's terminal reader's radio frequency field. The terminal reader and the user device establish a communication channel and the terminal reader transmits a signal comprising a request for a payment processing response. The signal is received by the user device and converted by a controller to a request understandable by an application host processor. The controller transmits the request to the application host processor, where the request is processed, and a response is transmitted to the controller and then to the terminal reader. The response generated by the application host processor is identifiable by the merchant system as a payment response.

Abstract: A system is configured to receive a request for a customization packet associated with a user device; retrieve data associated with the device; encode portions of the network data using a group of keys, where each portion is encoded using a different one of the keys, and where each key corresponds to a different set of fields, of one or more sets of fields within the packet; store the encoded portions in the one or more sets of fields within the packet; and transmit, to a content provider, the packet, where the packet enables the content provider to decode all or a portion of the network data using one of the keys, and where all or the portion of the decoded network data enables the content provider to generate customized content for the device.

Abstract: A retailer computer system receives from a first computing device a shopping recap having data indicative of one or more products that were shown to a customer by the sales associate while the customer was within a retail establishment. The received shopping recap is stored within a data repository where it is linked to a customer identifier that is associated with the customer and an associate identifier that is associated with the sale associate. If the customer later purchases a product, data indicative of the product being purchased is compared against data within any shopping recap that is linked to that customer to determine if a sales associate that is also linked to any shopping recap linked to that customer is to be awarded a commission for the product being purchased. The purchase of the product by the customer may further generate a digital receipt where the digital receipt includes a notice that the customer is being awarded an incentive, such as a coupon.

Abstract: At each of a plurality of merchant Point Of Service terminals (POS), for each of a plurality of consumers, where each consumer seeks to conduct a transaction with the merchant for a good or service by using a payment device issued by an issuer in a payment system, data is read from the payment device. The data can include an identifier for an account issued by an issuer. The consumer is permitted to receive the good or service from the merchant prior to validating the account with the issuer. Transaction information for each transaction is stored during a predetermined aggregation criteria, such as time period, number of transactions, monetary volume, etc., into an aggregation set of said transactions. During the predetermined aggregation criteria, an evaluation is made, by communication with the corresponding issuer, whether the accounts in the aggregation set of transactions are valid.

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: 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: 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: 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: 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: An integrated point-of-sale terminal for use with a fuel dispenser has a site controller, at least one dispenser having a user interface, at least one processor at the site controller, memory coupled to the processor, and a plurality of point-of-sale applications associated with the site controller. The processor is configured to dynamically regulate which of the plurality of point-of-sale applications has control of the dispenser user interface based on a set of business rules.

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 computer-implemented method for providing users with customized renewal policies may include 1) determining that a license for a software product installed on a user's computing system has expired or will expire within a predetermined amount of time, 2) in response to determining that the license for the software product has expired or will expire, monitoring, via a local module installed on the computing system, computing activities of the user, 3) evaluating the user's computing activities to determine that the user is investigating a competitor's software product that is capable of performing one or more functions performed by the installed software product, 4) creating, based on the user's investigation of the competitor's software product, a customized renewal policy for renewing the license to the installed software product, 5) inviting the user to renew the license under the customized renewal policy.

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 capturing and storing customer transaction information includes a point-of-sale device for capturing information about items purchased by the customer, a dispenser for notifying the customer of an code identifying the transaction and a network address where the customer can go to view the transaction information, and a device connected over a network to the point-of-sale device for storing the customer transaction information. The customer uses the identifying code and the network address to access their transaction information without having to authenticate with the device associated with the network address, and the transaction information does not include any customer specific information.

Abstract: Disclosed are payment system and methods.

Abstract: The present invention provides methods and apparatus for providing sales assistance to a Purchaser located within a store location. The present invention includes a Kiosk for fielding inquiries about a product included in the store inventory. A Purchaser may also use a mobile device to receive sales assistance. A Sales Incentive Artifact may be used to encourage a Purchaser to complete a Purchase at the store location.

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 transaction sequencer that comprises a processor, a non-transitory memory, and an application stored in the non-transitory memory. The application receives a message comprising information about a first purchase item, wherein the message was created by a point-of-sale after a filtering step that assured that the first purchase item is associated with a master approved item list, searches a plurality of different approved product lists using the information about the first item, wherein the plurality of different approved product lists comprise a first approved product list and a second approved product list, creates a first transaction based on finding the first item in the first approved product list, transmits the first transaction to a first transaction processing system, receives a first response from the first transaction processing system, bundles the first response in a unified response, and transmits the unified response.

Abstract: A point-of-sale (POS) terminal and a POS system, by which the cost spent for the establishment of the POS system is reduced. Ordering, payment and management of sales information can be conducted irrespective of location, thereby maximizing user convenience. The general functions of a POS terminal, such as barcode scanning, near-field communication (NFC), signing, and the like, can be performed based on a variety of functions of a mobile terminal in order to provide an optimum solution in any sales environment.

Abstract: Systems and methods are provided for routing data. A device is provided that includes a first data port configured to be coupled to a printer port of a point of sale system, a second data port configured to be coupled to a remote system, an optional third data port configured to be coupled to a printer, and a computing device configured to receive, via the first data port, printer control codes and receipt data from the point of sale system printer port, transmit at least a portion of the receipt data to the remote system, and optionally transmit at least a portion of the printer control codes and receipt data to the printer.

Abstract: A method of completing a transaction with a payment terminal involves the payment terminal transmitting to a network gateway via a first communications network a transaction proposal identifying a proposed transaction with a network device, and receiving from the network gateway a transaction proposal response in response to the transaction proposal. The transaction proposal response specifies a pointer to the proposed transaction. The network gateway is configured to authenticate to the network device via a second communications network that comprises the network device. The payment terminal transmits over a payment network, distinct from the communications networks, payment particulars for the proposed transaction, and receives from the payment network a payment confirmation in response to the payment particulars.

Abstract: A retail store communications network, a point of transaction (POT) terminal and methods of using the same according to embodiments of the application can include a hand held and/or stationary optical reader for reading a bar code symbol of an item and generating a decoded out bar code data message. The network is configured so that the POT terminal can use linked or identified mobile devices by way of wireless communication, to provide a sequenced order of identified customers at the POT terminal among a plurality of discoverable wireless devices.

Abstract: This disclosure describes systems and methods related to facilitating payments via a peer-to-peer protocol. Tokenized information associated with a payment transaction may be obtained. Establishment of a peer-to-peer communications session with a payment recipient device may be facilitated. The tokenized information to the recipient device via the established peer-to-peer communications session may be communicated in order to facilitate completion of the payment transaction.

Abstract: A method of transferring money from a sender to a recipient using a third party money transfer service a point of sale device receiving transaction details for a requested money transfer; determining whether the requested transaction is an allowable transaction; and either aborting the transaction; attempting to identify the sender as an existing customer using the transaction details; using the sender's transaction history and the transaction details to determine whether to allow the requested transaction to proceed. If the requested transaction is allowed to proceed, the method includes creating a money transfer record for the requested transaction; associating a money transfer control number to the money transfer record; and using the transaction details to determine whether to monitor the requested transaction.

Abstract: A client application adapted to be executed by a user device in order to allow a merchant to process payments using proximity events is described. The client application includes sets of instructions for: generating an invoice from the particular merchant to a particular consumer; receiving an indication that a mobile device associated with the particular consumer is within a particular proximity to a proximity sensor associated with the merchant; and sending the invoice to the mobile device associated with the particular consumer.

Abstract: A multi-account payment consolidation system and process, including a central computer system operatively coupled to a payment terminal through a network connection. A plurality of external financial accounts are registered and associated with a user. At least one user-defined customized rule-set for processing a payment associated with the user is stored. A request to initiate payment of a transaction is received from the payment terminal. The payment is automatically processed in accordance with the customized rule-set by accessing the external financial accounts, wherein the customized rule-set directs at least a rule that the payment of the transaction be apportioned between more than one of the external financial accounts.

Abstract: There are disclosed a receipt issuing apparatus, a user terminal, a receipt issue system, and a method using smart receipts. The receipt issuing apparatus can include an issue unit configured to receive settlement information, configure a smart receipt based on the settlement information, and issue the configured smart receipt and a receipt transmission unit configured to send the issued smart receipt to a user terminal using short range wireless communication, wherein the smart receipt comprises at least one of information on a place of business, the settlement information, information on a transaction article, discount information, and an image of user signing.

Abstract: The methods and systems described herein provide for processing payments at a retail location whose infrastructure has been significantly removed from PCI scope. A request for processing payments may be sent from a point of sale lane to a back office server in communication with a credit card terminal. A user may use the credit card terminal to enter in secure payment information which is securely transmitted to a remote authorization service for authorization. Through this method, the credit card terminal and sensitive payment information may be securely isolated from the remaining infrastructure at the retail location.

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 mobile device equipped with at least a display and an input is used to connect to a server on the mobile network. Upon authentication of a user of the mobile device, the server generates the payment key, encodes the key in an image, such as a bar code, and transmits the image to the mobile device. The user holds the display of the mobile device up to an optical scanner at a POS terminal. Logic on the POS terminal extracts the payment key from the image, and uses the payment key to bill the user. The POS terminal transmits the bill with the payment key to the server on the network. The server ensures that the key is active, and debits an account for the user based on the amount presented in the bill. The key is de-activated after a specified time period or one use, whichever occurs first.

Abstract: Systems, methods and apparatus for conducting payment transactions are provided. Pursuant to some embodiments, the payment transactions may be conducted between a consumer operating a mobile device and a merchant.

Abstract: A method of encrypting a unique cryptographic entity (UCE), where a client device receives a global-key (GK-) encrypted UKD comprising a GK-encrypted UCE and a GK-encrypted unit key number (UKN). The client device verifies that the GK-encrypted UKN is the same as a pre-provisioned value and then decrypts the GK-encrypted UKD using a global key (GK). The client device then re-encrypts the decrypted UKD using a device user key (DUK) to determine a DUK-encrypted UCE and a DUK-encrypted UKN. The DUK-encrypted UKN is verified as not equal to the GK-encrypted UKN. The DUK-encrypted UKN is then appended to the DUK-encrypted UCE to form a DUK-encrypted UKD and stored in a memory.

Abstract: A system for transferring verified media data. The system comprising: an item of content storing the media data, and having an associated serial number; a computing device including a first storage device and a network interface; a secure copying application program; a secure copy of the media data generated by the secure copying application program and stored on the first storage device; a verification server including a serial number database and having a network connection to the computing device through the network interface, wherein the secure copying application program generates the secure copy after verifying the serial number is valid and active by communicating with the verification server; and a portable copy of the media data, including license information, generated from the secure copy by the secure copying application program.

Abstract: Concurrent first and second uses of a consumer's credit card are made during a POS transaction to effect information sharing. The first use includes conventionally executing a primary transaction, while the second use includes a presentation to the consumer at POS with information sharing opt-in and/or privacy notices from the consumer's financial institution.

Abstract: Systems and methods for tracking a user's off-line commerce and merging that data with online activity are disclosed. The off-line transaction data is associated with off-line purchases of a user and includes identification information that can be used to identify the user. A scone or modified cookie is created that includes the off-line transaction data. Online activity can also be tracked and merged with the user's off-line commerce data.

Abstract: A payment processing system and method comprising a POS module providing an interface to effect sales of FGS in a retail environment, a device module operatively connected to at least one retail device configured to supply FGS and comprising a card reader adapted to receive a first payment card data for payment for the FGS, wherein the device module is adapted to control operation of the at least one retail device, and a payment system module operatively connected to the POS module and the device module, the payment system module adapted to validate payment for the FGS. The payment system module and the device module are separated from the POS module in order to segment a portion of the payment processing system configured to handle payment card data from a portion of the system that does not handle payment card data.

Abstract: A method for conducting an electronic transaction with a backend server system includes interfacing a mobile device with a touch point to wirelessly obtain a backend server system address and an identification code. The touch point is associated with an electronic transaction terminal device to be utilized by a user of the mobile device to conduct an electronic transaction. Communication is established between the mobile device and the backend server system. The identification code and a mobile device identifier associated with the mobile device are received. It is determined whether one or more electronic certificates associated with the mobile device identifier are applicable for use in the electronic transaction. The identification code is used to provide at least one of the applicable electronic certificates to the terminal device and applying the at least one applicable electronic certificate to the electronic transaction.

Abstract: A transaction is preprocessed wirelessly in response to a wireless transaction preprocessing user device being in a queue for a point-of-transaction. The transaction that was preprocessed is then completed in response to the wireless transaction preprocessing user device reaching the point-of-transaction. Financial transactions and/or purchase of goods and/or services may thereby be preprocessed wirelessly and then completed at a point-of-transaction. Related devices and computer program products are also disclosed.

Abstract: Embodiments provide systems, methods, processes, computer program code and means for using mobile devices to conduct payment transactions at merchant locations including brick and mortar locations and remote locations as well as for person to person transactions.

Abstract: The present invention relates to a remote payment system (1) and method (100) which enables a customer who will carry out payment transaction to make payment without the necessity of being present at the store where s/he shops and the device, such as POS device, being used in the course of realizing the payment to be continuously on-line.

Abstract: According to a commercial method of the present invention, a merchant forwards transaction data to a consumer. If the consumer accepts the transaction, a payment command is forwarded to a service provider. The service provider selectively applies authentication before approving payment. Once payment is approved, the service provider forwards a payment instruction, including consumer account information, to a payment service. The payment service forwards payment to the merchant and a payment confirmation is returned to the service provider and, through the service provider, to the consumer. The service provider stores information about each transaction performed by each subscriber. Consumer identity is protected because it is only exchanged between the service provider and the payment service, and is not made available to the merchant. In addition, the storage of the transaction information by various devices facilitates the return process and adds marketing capability to the service provider.

Abstract: A switchable POS device that can be used to process transactions for multiple merchants. The POS device can be temporarily reconfigured to process transactions for a merchant different from the merchant with whom the POS device is linked. After processing the transaction, the POS device reverts back to processing transactions for its linked merchant.

Abstract: A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by providing consistent interfaces that are suitable for use across industries, across businesses, and across different departments within a business during a business transaction. In some operations, software creates, updates, or otherwise processes information related to an inbound delivery request business object.

Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for exceeding account thresholds via a mobile device. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an excess threshold amount as a result of the transaction; (c) prompting the holder to consent to the excess threshold amount via the mobile device, where the holder is associated with the mobile device; (d) receiving the holder's consent to the excess threshold amount; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.

Abstract: The methods and systems described herein relate to online methods of collaboration in community environments. The methods and systems are related to an online apparel modeling system that allows users to have three-dimensional models of their physical profile created. Users may purchase various goods and/or services and collaborate with other users in the online environment.

Abstract: The present invention relates particularly to a method and system for consolidating a plurality of a consumer's payment and non-payment source accounts into a consolidated platform with a customer identification or available proxy account numbers that can be assigned to source accounts. The source accounts can be, for example, credit card accounts, ATM accounts, debit card accounts, demand deposit accounts, stored-value accounts, merchant-loyalty card accounts, membership accounts, and identification card numbers. The consumer can access and modify any of the source accounts and manage funds across the source accounts by accessing the consolidated platform with a single access device or mode.

Abstract: A computer system for processing purchase transaction payments with user oriented personal financial management support having a database with primary accounts each with a plurality of subaccounts each having a subaccount indicator and a user defined funding level, receiving a financial purchase transactions payment request for payment authorization of a financial purchase transaction payment associated with an activity of the user including a financial purchase transaction amount, the primary account number, and a user selected subaccount indicator, verifying the received financial purchase transaction amount is within the received funding level for the subaccount associated with the received user selected subaccount indicator contained within the received payment request in near real time; and transmitting a financial purchase transaction authorization in response in near real time to a positive verification that the received financial purchase transaction amount is within the funding level of the subaccoun

Abstract: An Automated Teller Machine, ATM. Persons with physical disabilities sometimes have difficulty negotiating an ATM. Under the invention, two persons are involved in an ATM transaction. One person is equipped with a communicator, such as a cell phone, which contacts an ATM. That person enters necessary transaction data, such as a PIN, a desired cash amount, and so on, using the cell phone. The other person collects the cash dispensed, and any documents, at the ATM itself. This approach eliminates a need for one person to entrust an ATM card and PIN to another person. In another embodiment, the person located at the ATM was previously given a token or passcard by the customer. That person presents the token to the ATM, which prompts the ATM to call the cell phone of the customer, thereby initiating the transaction.

Abstract: A multi-modal interactive surface is connected to a retail management system in a retail store. A user interface component provides user interface displays that allow a user to research products in the retail store and complete a sales transaction.

Abstract: A payment provider card can be used on any credit card or bank network in order to access the user's payment provider account at the POS of non-payment provider integrated merchants. The consumer may swipe or have the card read through NFC or other means, at the POS, where the information contained in the card is communicated to the payment provider through a credit card or bank card network or rails that is already part of the merchant payment network.