Abstract: Systems and methods for responding to the arrival of a person within a defined geographic area after receiving a virtual presence of the person at a target destination before actual arrival at the target destination are defined. A mobile electronic device stores user profile data and periodically outputs a unique device identification number and position data. A host server monitors the position data and when it is within the defined geographic area, the user profile data is received from the mobile electronic device and transmitted to subscribing terminals. The terminals display the user profile data so that customer service may be enhanced upon the user's arrival. When the user leaves the defined geographic area, the profile data is removed.

Abstract: One embodiment relates to a method for securing a transaction between a mobile terminal of a user and a server of a service provider through a platform capable of being connected to the mobile terminal via a mobile network of an operator, to the server of the service provider and to a transaction execution system.

Abstract: A method provides for using a wireless patron unit within a venue and within a vicinity of the venue. The method includes providing at least one patron with a wireless patron unit by either permitting the at least one patron to temporarily use a provided wireless patron unit that includes at least one venue specific application program, or by providing at least one venue specific application program to the at least one patron for downloading into a patron-owned wireless communication device that can be used during the at least one patron's visit to the venue. The method also includes connecting the wireless patron unit to a server enabling communication between the wireless patron unit and the server, entering a patron order for at least one item or service provided by the venue into the wireless patron unit, and determining a current location of the wireless patron unit.

Abstract: Systems and methods for person/group check-ins include a system provider device receiving from a first user device that is associated with a first user account a first check-in request to allow other user accounts to check-in to the first user account. The system provider device then receives from a second user device that is associated with a second user account a second check-in request to check-in to the first user account. The system provider device associates the first user account and the second user account in a database in response to receiving the second check-in request, and tracks an aggregate behavior associated with both the first user account and the second user account. The system provider device may then provide at least one alert that is based on the aggregate behavior.

Abstract: Embodiments are directed to detection and identification of electronic devices and allocation of proxy identifiers for the same. Embodiments detect one or more electronic devices within a wireless network range; identify the one or more electronic devices within the wireless network range, comprising matching the one or more electronic devices with one or more entries in a database of users; determine that the one or more electronic devices has stored thereon one or more credentials; access the one or more credentials; allocate proxy identifiers corresponding to the one or more credentials; and initiate storage of the allocated proxy identifiers on the one or more electronic devices.

Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Abstract: Systems and methods which facilitate money transfer transactions to a receiving account are provided. Embodiments may provide for interaction between a money transfer service and one or more receiving account entities. Such interaction may be configured to cooperatively utilize transaction details in order to correctly route transferred funds to a receiving account. Embodiments may utilize this cooperation to prevent sensitive information from being widely distributed by parties which participate in a money transfer transaction.

Abstract: A method of generating a fixed-price variable-offer multi-tier thread generator may include receiving, a by a computer processor(s), at least a fixed price, a thread expiration criteria and specification for at least two offerings for the fixed price. Each of the at least two offerings correspond to one of at least two tiers of offerings, where the fixed price entitles a first member and any subsequent members on a thread to redeem a qualified offer associated with a qualified tier, in exchange for paying the fixed price, upon the occurrence of at least one thread expiration criteria. The at least one product or service offerings the thread qualifies for, upon the occurrence of the at least one thread expiration criteria, may be dependent upon a total number of members, including the first member who starts a thread from the thread generator and any subsequent members who join the thread and who have agreed to pay the fixed price.

Abstract: Cash drawers having a network interface and a processing unit are disclosed. The network interface connects to a network. The processing unit detects cash drawer events and transmits an indication of the cash drawer events across the network interface. The cash drawer optionally includes a storage component that stores the indication of the cash drawer events. The network interface may be a wired or a wireless interface. The cash drawer may receive electrical power from an external supply or from the network connection.

Abstract: In some examples, a service provider may receive, from a buyer device, a first order for a first item to be prepared by a first merchant. The service provider may determine a second item offered by the first merchant, or another merchant, that can be added on to the first order by determining a preparation time for the first item, and determining that the second item offered by the first merchant, or the other merchant, has a preparation time less than the preparation time for the first item. The service provider may further determine a threshold time for ordering the second item based on a difference between the preparations time for the first item and the second item. The threshold time may be presented on the buyer device to indicate an amount of time the buyer has to add the second item to the first order.

Abstract: An email payment gateway may be configured to send emails to customers, including a plurality of mailto hyperlinks. Each mailto hyperlink may be in the form of a graphical user interface button associated with one or more products. Each button generates a return email message when the button is selected. The generated email message may include one or more parameters related to the one or more products associated with the button, such as an identifier of the product, vendor or particular campaign with which the product is associated. The generated email message may then be transmitted to the email payment gateway. The email payment gateway may receive the message and, based on the parameters in the received message, process payment to complete the customer's purchase of the selected product.

Abstract: Split bill payment technology enabled by an application programming interface (API) is disclosed. In some embodiments, API integration between a merchant application or system and a payment application or payment service system enables the merchant application or system to send requests for split bill payments to the payment service system. In response, the payment service system can collect from each bill payer identified in a request, the bill payer's share of a bill and transfer the collected amounts to the merchant.

Abstract: A communication system including an image processing apparatus configured to receive N-th operation definition information from a server, when the N-th operation definition information includes an option selecting instruction, set a user interface to be allowed to accept an option selecting operation, and transmit to the server, next-operation request information being for requesting the server to transmit (N+1)th operation definition information, when the N-th operation definition information includes an operation instruction, control an image processor to perform an operation as instructed by the operation instruction, set an apparatus-side network interface to be allowed to receive from a mobile terminal device, shortcut information indicating that a coordinated operation is started from an M-th unit operation of the plurality of unit operations, and when receiving the shortcut information from the mobile terminal device via the apparatus-side network interface, transmit the shortcut information to the ser

Abstract: An apparatus and method are proposed for providing a beacon-based payment service in a beacon service system including a point of sales (POS) device for payment and a user device using a beacon service application. The apparatus may include a beacon module configured to emit a beacon signal, and an input module configured to receive a user input for triggering the beacon-based payment service. The apparatus may further include a POS control unit configured to identify predetermined strength of a beacon signal when an event for triggering the beacon-based payment service occurs, to control emission of the beacon signal with the identified strength through the beacon module, to detect whether a user device accesses content regarding the emitted beacon signal, and to control retransmission of the beacon signal through the beacon module by increasing the strength of the beacon signal by a predetermined value if there is no access to the content.

Abstract: The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.

Abstract: A method is disclosed for a customer sharing a receipt with other persons. An electronic receipt may be viewed on a mobile electronic device with electronic receipts software thereon. A customer may select the receipt for sharing as well as selecting modifications to the receipt and persons to share the receipt with. Information may be sent to a server or computer system to request that a receipt be shared. The server may then process the request and transmit receipt information to the contact person requested by the customer. The receipt may be shared via data transfer, facsimile or email, or may be shared through a receipts management software or application.

Abstract: A system for publishing digital images wherein a mobile device (14) that stores at least one digital image generates output signals in response to operator commands. The mobile device (14) communicates with a source of digital instructions (18) thorough a communication network (16) such that digital instructions are downloaded to the mobile device. The mobile device is thereafter in selective communication with a server (12) that stores digital images, maintains a user profile corresponding to the user of the mobile device, and publishes digital images to at least one digital address (24, 26, 28, 30).

Abstract: A method and system delivers data to a batch consumer and a streaming consumer. The method and system include retrieving data from a plurality of data centers, storing the data in a first directory, bundling the data into plurality of batches in the first directory, transferring each batch of the plurality of batches to the second directory, delivering the each batch of the plurality of batches in the second directory to the batch consumer and the streaming consumer and delivering the data in the first directory to the streaming consumer.

Abstract: A mobile device payment system and method, the method for a mobile device user to purchase goods/services from merchants with financing by a mobile device manufacturer including: providing a mobile device; establishing a user account; establishing merchant accounts; transforming the merchant accounts into a universal merchant account data set; providing the universal merchant account data set to the mobile device user; storing the universal merchant account data set; requesting the mobile device manufacturer to load consumer credit; loading the credit amount; identifying goods/services for purchase; determining a total price for the identified goods/services and a merchant identifier associated with the selected merchant; actuating a purchase button; retrieving merchant bank deposit instructions; retrieving purchase credit; and routing the retrieved credit to the selected merchant in accordance with the retrieved merchant credit deposit instructions.

Abstract: A wrist worn RFID device with security protection includes a wrist worn body, a control circuit, a sensing circuit, a safety circuit, a RFID module and a processing circuit. When the control circuit detects that two connecting ends of the control circuit are electrically conducted due to two combined portions of the wrist worn body are fastened together, an enable signal is generated. The processing circuit controls the sensing circuit and the safety circuit according to the enable signal. When detecting the physiological signal, the sensing circuit generates a first validation signal. When the inputted user information is accepted by the identity verification program, the safety circuit generates a second validation signal. The processing circuit generates a control signal according to the first validation signal and the second validation signal, so that the RFID module implements a wireless transmission based on the control signal.

Abstract: A method includes receiving, by a server via a network, transaction information descriptive of a money transfer transaction initiated at a point of entry device. The transaction information includes information that identifies a location of the point of entry device. The method includes determining, by the server, receipt information to be included in a receipt for the money transfer transaction. The receipt information may be determined based, at least in part, on the transaction information, and at least a portion of the receipt information included in the receipt satisfies regulatory requirements associated with the location of the point of entry device. The method includes generating, by the server, the receipt that includes the receipt information, and transmitting the receipt from the server to the point of entry device via the network.

Abstract: A device (12, 312, 494) operates to cause financial transfers responsive to data read from data bearing records. The device includes a reader (20, 314) that is usable to read check data from financial checks. The reader is also usable to read record document data associated with goods provided to a purchaser. At least one circuit (54, 332) of the device is operative to cause a determination to be made that check data and/or record document data corresponds to stored data. Responsive to the determination, check data and record data are made available to a payee terminal (346).

Abstract: A virtual payment system including a customer-specific, customer geolocation responsive, limited time duration payment identifier generator operative to generate a customer-specific, customer geolocation responsive, limited time duration payment identifier, a customer-specific limited time duration payment identifier communicator operative to communicate the customer-specific, customer geolocation responsive, limited time duration payment identifier to a customer and a limited time duration payment identifier validator, operative to verify genuineness and timeliness of the customer-specific, customer geolocation responsive, limited time duration payment identifier presented by the customer at a point of sale.

Abstract: Various embodiments herein each include at least one of systems, methods, software, and devices for proximity-based transaction device selection. One embodiment in the form of a method performed on a mobile device includes receiving a positioning signal and identifying a terminal associated with the positioning signal. An instruction may then be transmitted to the identified terminal via a wireless data communication device of the mobile device.

Abstract: Disclosed is a technology for collecting item-level transaction information for interactive payment experience. According to one embodiment, a merchant server can maintain a database including the information of financial accounts having a particular classification. The classification indicates that these financial accounts are associated with a payment service system. When the merchant server determines a requested financial transaction involves a financial account classified in the database, the merchant server transmits the item-level transaction information to the payment service system. The payment service system receives the item-level transaction information in real-time or near real-time and generates an interactive digital transaction receipt for a consumer.

Abstract: A system, method, computer readable medium, and computer program for processing wireless communication device identification numbers such as MEID numbers 10 in any standard representation (such as decimal or hexadecimal) and converting the wireless communication device identification number 140 to all commonly used forms and representations. This capability ensures older systems and wireless networks are compatible with the latest standards in wireless communication device identification numbers. Additionally, the system can validate the wireless communication device identification numbers 70 and verify/calculate any check digits 100.

Abstract: Systems, methods and computer readable products are provided for enabling dynamic loading of one or more digital image branding functions associated with one or more distribution rules. A distribution rule is used to target a group of end users that are selected from a dataset mapping a plurality of end-users according to one or more distribution rules. Instructions are forwarded to present an indication the digital image branding function to each member of the end users group.

Abstract: A method of processing a purchase transaction includes generating a transaction file containing a product code, which is transmitted from a user computing device when an image of a product code identifier is captured by the user computing device, a first user ID of the customer, and an indicator of whether or not the customer has opted in to receive electronic receipts. The method further includes generating an electronic receipt based on the transaction file, storing a conversion table containing the first and second user IDs of the customer, converting the first user ID contained in the transaction file to the second user ID based on the conversion table, when the indicator indicates that the customer has opted in, and storing the electronic receipt in association with the second user ID. The electronic receipt is transmitted in response to a request for electronic receipts associated with the second user ID.

Abstract: System and Method of filtering and modifying access to media content based on parental control limits are provided. The method for filtering media content includes receiving authentication information for a content provider, authenticating to the content provider, importing parental control limits from the content provider, storing the received parental control limits in a customer profile, and filtering the media content based on the parental control limits to produce a filtered list of the media content. The method for modifying access to media content includes authenticating to a customer profile with a unique customer identifier, retrieving parental control limits from the customer profile, and modifying access to the media content based on the retrieved parental control limits. Changes in the parental control limits at a content provider may be detected and updated in the customer profile.

Abstract: Systems, devices, and methods for updating a kiosk include removing a first face plate, having a first opening, from a sub-chassis; removing a first display, having a first size corresponding to the first opening, from the sub-chassis; securing a second display, having a second size, to the sub-chassis; and attaching a second face plate to the sub-chassis, the second face plate having a second opening corresponding to the second display.

Abstract: Apparatuses and methods are disclosed for accessing and distributing data that includes a portable first device and a second device wherein both devices have unconscious capture capability. The first device has a first memory wherein at least one document is stored in the first memory of the first device. The first device has a transceiver, an identifier, and a public key to access a second device.

Abstract: The invention provides a system and method for signing a user workstation onto an access restricted network utilizing a mobile communication device. The method includes receiving a sign-on request from a mobile communication device of a user of the network, looking up a user certificate included in the sign-on request in an enrollment database and retrieving identifiers relating to the user, the workstation and network from the database, and transmitting a sign-on command to an authentication driver operating on the workstation, in response to which the authentication driver negotiates a sign-on operation of the workstation onto the network.

Abstract: A method for identifying and analyzing amounts and nutritional values of food consumption, utilizing digital image processing and linked nutritional information. A recipe generator is utilized to provide a component analysis of food preparations based on identification of subcomponents.

Abstract: To provide a user signature on a network transaction, a security server receives transaction information representing a transaction between a network user and a network site, such as a website, directly from the network site. The security server calculates a one-time-password based on the received transaction information and a secret shared by the security server and the network site, but not by the user. The security server transmits the calculated one-time-password for application as the user's signature on the transaction. The one-time-password is independently calculable by the network site based on the shared secret.

Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Abstract: A consumer accesses a secure area of a transaction account website and provides their login information for retail websites. The transaction account issuer or a third party creates a script that logs in to the retail websites on behalf of the consumer and transmits transaction account information associated with the transaction account. The script sets the transaction account as the default payment method for the retail website. The transaction account information may be evergreen, such that whenever the transaction account information changes, the script updates the retail websites.

Abstract: Embodiments of a method and system are disclosed. One embodiment is a method for controlling operations in a mobile communication device that is enabled for near field communication (NFC). The method involves starting an NFC service in the mobile communication device, starting an initialization process of a secure element (SE), e.g., a Universal Integrated Circuit Card (UICC), of the mobile communication device in response to starting the NFC service, and once the initialization process of the SE has begun, monitoring an SE-specific session ID for an indication of the status of the initialization process of the SE. If the SE-specific session ID indicates that the initialization process is not complete, the method involves continuing to monitor the SE-generated session ID and if the SE-specific session ID indicates that the initialization process is complete, the method involves notifying the NFC service that the initialization process of the SE is complete.

Abstract: A device control system has a terminal 3 with a web browser 31, and a printer 5 that controls a connected device. The terminal 3 calls an object that controls a device and is instantiated by the device API 33 to support the device, and sends a request to the printer 5, by the web application 32; and the printer 5 executes a device control script 502 that controls the device, receives requests sent through the device API 33, and controls the device.

Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Abstract: System and method for distribution of a PIN code comprising an application end user in communication with an application server comprising at least one PIN code generating mechanism for authentication of an application end user, and a portable telecommunication device further characterized by that said application server is in communication with a synthetic voice PIN server also in communication with said portable telecommunication device.

Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Abstract: A method of ordering menu items for delivery to a station at a premises, such as a table at a restaurant, includes the steps: Launch App; Scan QR code or NFC tag on table; Identify location. The location is identified using the restaurant and table identifier(s) extracted from the QR code. This location is used to identify the correct restaurant menu from the central platform database; Download menu; Add menu items to order; Confirm order; Pay order; Route order. The restaurant identifier is used to determine the appropriate EPOS adaptor based on the EPOS system in use by the specific restaurant; Transmit to restaurant. The correct communication protocol and authentication details are then used in order to route the order to the restaurant EPOS system or printer.

Abstract: A wireless device including a reader to read information from a payment card and generate data. A verification module verifies whether the reader has correctly read the information. A security module securely connects the wireless device to a mobile device using a first or a second wireless communication protocol. A transmitter transmits the data and identifying information received from a user to the mobile device using the first or the second wireless communication protocol. The mobile device transmits the data and the identifying information to a payment system. A receiver at the wireless device receives from the mobile device an acknowledgement received by the mobile device from the payment system, indicating whether the payment system has approved the data and the identifying information. An indicator on the wireless device indicates whether the reader has correctly read the information and the payment system has approved the data and the identifying information.

Abstract: A wearable device for capacitive coupled communications is described. The wearable device includes capacitive sensor transceiver circuitry configured to receive a capacitive coupled signal from a host device. The capacitive coupled signal is received through a body of a user of the wearable device and is modulated to include a request for authentication data to authenticate the wearable device with the host device. The wearable device includes processing circuitry in communication with the capacitive sensor transceiver circuitry to process the received capacitive coupled signal and transmit authentication data modulated on a capacitive coupled reply signal to the host device. The capacitive coupled reply signal modulated with the authentication data is transmitted through the body of the user of the wearable device.

Abstract: An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.

Abstract: The present invention extends to methods, systems, and computer program products for approximating alternate currency equivalents in digital receipts. In response to a user request, item prices in one currency in a digital receipts (e.g., for retail sales transactions) can be approximated in a second different currency. Digital receipts with approximated item prices can be presented on a display at a mobile device. Currency conversion can be handled at a receipt data server or at the mobile device. Currency conversion can be performed locally or can be referred to a conversion server. Item prices in digital receipts can be converted from and/or to any of a variety of different currencies.

Abstract: The present invention relates to system and method for authorizing a transaction using user data collected from third-party websites/applications/sources, such as social media networks. In operation, collected user data may be compared to a financial data or user data collected during a transaction to identify potential fraud and/or other discrepancies, confirming the identity of the user with a greater degree of accuracy and/or imposing purchase parameters.

Abstract: There is provided a system and a method for the storage of point-of-sale (POS) electronic transaction (e.g., payment transaction or loyalty-based transaction) receipts. The system and method include an electronic storage device having one or more databases of point-of-sale (POS) generated transaction receipt data stored therein, an access path for allowing access to the POS generated transaction receipt data; and a processor for assembling the POS generated transaction receipt data in the one or more databases and for providing the assembled POS generated transaction receipt data to one or more entities that have been granted access to the one or more databases. The receipt storage system and method are based on transaction (e.g., payment transaction or loyalty-based transaction) receipt data across a plurality of merchants, providing customers with an efficient solution for storing and managing their receipts, and allowing merchants to offer better and more targeted recommendations for customers.

Abstract: Various systems and methods that may relate to referral and/or delivery services are described. Some embodiments may include billing merchants for delivery services in a consolidated fashion, some embodiments may include interactions with point of sale systems.

Abstract: There is provided a system and a method for the generation and management of point-of-sale (POS) electronic payment transaction receipts. The system and method include a POS component that performs a transaction at a location at which a customer and the POS component are physically present together generates content relating to the transaction; and a payment card that identifies a contact address to which an electronic receipt is to be sent. The POS component generates the electronic receipt based on the content relating to the transaction and causes the electronic receipt to be sent to the contact address identified on the payment card. The electronic receipt management system and method are based on payment transaction receipt information across a plurality of merchants, providing customers with an efficient solution for managing their receipts, and allowing merchants to offer better and more targeted recommendations for customers.