Entries |
Document | Title | Date |
20080281713 | TRANSACTION SETTLEMENT METHOD, TRANSACTION SETTLEMENT SYSTEM, TRANSACTION SETTLEMENT PROGRAM AND PROGRAM RECORDING MEDIUM - Disclosed is a security protected transaction settlement method in performing transaction settlement of sales using a register terminal. The upper limit amount that each casher who operates the register terminal can settle is preset and registered in advance. When a casher makes settlements of the sales using the register terminal, a judgment is made if the casher can settle the transaction by comparing the sales amount and the upper limit amount preset for the casher. If the sales amount is higher than the preset upper limit amount, the register terminal is disabled and the casher can settle the transaction only if an authorization code is inputted by a supervisor who has authority to settle any account in excess of the upper limit. | 11-13-2008 |
20090132381 | Retail Point-of-Sale System To Provide A Customized Set of Identification Data To Facilitate A Retail Sales Point-of-Sale Transaction - A retail point-of-sale system to provide a customized set of identification data to facilitate a retail sales point-of-sale transaction is provided. The retail point-of-sale system, for example, can include a plurality of retail sales point-of-sale terminals, one or more retail system computers, a database accessible by the one or more retail system computers, and a program product stored in the memory of the one or more retail system computers. The plurality of retail sales point-of-sale terminals can be positioned, for instance, at one or more retail locations and can be positioned to accept purchase transactions from purchasers of goods. The one or more retail system computers can be positioned, for example, to provide data to and from each of the plurality of remotely positioned retail sales point-of-sale terminals to thereby facilitate one or more point-of-sale transactions through each of the plurality of remotely positioned retail sales point-of-sale terminals. | 05-21-2009 |
20090144165 | Seller Routing Arrangements and Methods for Disparate Network Systems - Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous payment networks. A software-programmed computer circuit receives and processes electronic transaction data to identify a seller using information provided in the transaction data, and uses the identification to access seller profile information for selecting one of a plurality of networks. In this context, a seller can be identified using one of a plurality of identification approaches (e.g., different account IDs), and such identification can be used for retrieving and using electronic profile data to select a payment network for the seller, which may be completely independent from the identification. Payment data is accordingly configured so that the selected network can receive and process the data, such as by configuring the data into a network-specific format and/or communicating the data using network-specific protocols. The configured payment data is transmitted to the selected payment network, for use in effecting electronic payment for the transaction. | 06-04-2009 |
20090171799 | WIRELESS POINT-OF-SALE TRANSACTION SYSTEM AND METHOD - A wireless consumer transaction system and method includes wireless equipment coupled to a point-of-sale system, whereby consumers are enabled to set up and carry out point-of-sale transactions in an automated or semi-automated manner using a wireless device. Users entering within the coverage area of the wireless equipment are prompted to conduct a point-of-sale transaction. The point-of-sale system transmits menu options to the user's wireless device. The user selects from the options provided, and is given the ability to purchase the desired goods or services in an automated manner using the wireless device. The wireless equipment of the point-of-sale system is preferably coupled to a point-of-sale computer, which is in turn coupled to a remote processing center. An automated purchase transaction may be conducted by obtaining approval and/or automatically withdrawing funds from the remote processing center in response to user-initiated activity. | 07-02-2009 |
20090192908 | COMMODITY SALES DATA PROCESSOR - Connection of a USB memory (storage device) to a USB port (data transmitting and receiving unit) is detected and the date and time of detection of this connection is stored. Using this detection of connection as trigger, a camera is caused to pick up an image of an area embracing a user positioned in a position where the user can operate a user interface. Picked-up image data outputted from the camera is stored together with shooting date and time. | 07-30-2009 |
20090254444 | COMMODITY SALES DATA PROCESSING APPARATUS AND COMPUTER-READABLE RECORDING MEDIUM - A controller of a commodity sales data processing apparatus outputs, in response to closing operation for one transaction or bill exchange operation for instructing bill exchange, an opening command to a cash storing unit, which can be freely opened and closed to store cash and opens according to the opening command, to open the cash storing unit. The controller prohibits the opening of the cash storing unit when the bill exchange operation in the operation input unit is performed regardless of a state in which the one transaction is suspended. | 10-08-2009 |
20090319383 | SYSTEM FOR IDENTIFYING AN INDIVIDUAL AND MANAGING AN ACCOUNT - The present invention provides a method for managing an account for an unidentified individual by communicating with the unidentified individual who is using a device to communicate which transmits an identifier associated with the origin of the communication, obtaining from the unidentified individual a group of characters associated with the unidentified individual's personal information, comparing the group of characters to a database including a plurality of personal information associated with a plurality of individuals, identifying from the plurality of individuals one individual whose plurality of personal information includes the group of characters associated with the unidentified individual, and managing an account for the identified individual in an account database. | 12-24-2009 |
20100010903 | VENDING MACHINE AND CONTROL METHOD THEREOF - A control method of a vending machine which has a display module to display an image stored therein or inputted from the outside is provided. The control method includes: determining whether a door of the vending machine is open; changing an image mode displayed on the display module if it is determined that the door of the vending machine is open; and displaying a certification mode window to certify a user if the image mode is changed. | 01-14-2010 |
20100235249 | Systems and methods for electronic device point-of-sale activation - The present invention is directed to systems and methods of activating an electronic device at a point-of-sale (POS). The device may be identified by an indicia and activation may occur following purchase of the device. The method may include the steps of receiving at a central processor from the POS the indicia identifying the device purchased at the POS; enabling by the central processor a feature or functionality of the device or use of the device; and conveying to the device information material to the feature, functionality, or use. The system may include a central processor that activates the device. The central processor may include various interfaces with the POS, provider, and device, as well as a database with records related to the device and an activation processor for determining if activation is appropriate, activating the device, and sending information material to the feature, functionality, or use to the device. | 09-16-2010 |
20100306070 | PRINT SYSTEM FOR OUTPUTTING TRANSACTION STATEMENT - A print system allowing a user to obtain a transaction statement in a safe and easy manner is provided. For this purpose, a print system includes: a banking terminal; and a digital multi-function peripheral performing data communication with a Web server having transaction statement data and PIN code stored in association with each other, through an external network and an in-store network. The banking terminal is adapted to include an operation panel receiving a request from a user for an output of a transaction statement, and a PIN code generating unit and a receipt issuing unit for generating and outputting a PIN code in response to the received request. The digital multi-function peripheral is adapted to include an operation panel receiving the PIN code input by a user operation, a control unit obtaining transaction statement data corresponding to the received PIN code from the Web server, and a printer unit outputting a transaction statement based on the obtained transaction statement data. | 12-02-2010 |
20100325002 | SYSTEM AND METHOD FOR VERIFYING USER IDENTITY INFORMATION IN FINANCIAL TRANSACTIONS - A system and method for verifying a user's identity during a point-of-sale transaction are provided. The system and method provide for applying for, receiving and verifying a financial services provider card; providing a plurality of requested biometric identification data to a financial services provider; uploading the plurality of biometric identification data of a user requested by the financial services provider via a network connected computing device to a preselected website; storing the plurality of biometric identification data in a remote server coupled to the preselected website; and using the plurality of requested biometric identification data to execute a point-of-sale transaction, wherein a merchant can verify the financial services card with the biometric identification data provided by the remote server or provided by the user via a point-of-sale terminal. | 12-23-2010 |
20110040640 | SYSTEM AND METHOD FOR FACILITATING A FINANCIAL TRANSACTION WITH A DYNAMICALLY GENERATED IDENTIFIER - Instead of a PIN which is associated with an account and provides access to an account, a dynamically generated card identifier (dynamic CID) is used to verify that the consumer currently possesses the transaction card at the time of purchase and/or is the true card owner. At the time of purchase, a token generates a dynamic CID, which changes with each transaction. A consumer enters the dynamic CID into a pre-existing CID field in an electronic order form. The merchant then sends the dynamic CID to a card authorization system within an authorization request. The card authorization system issues a response to a merchant system via a pre-existing authorization message indicating that the transaction card and dynamic CID have been validated, thereby adjusting the fraud risk associated with the transaction. | 02-17-2011 |
20110047039 | METHOD AND SYSTEM FOR GIVING A GIFT - A first person can give a gift by using a mobile phone or other communications device to access a central computing system to which a gift and a second person (the intended recipient of the gift) can be identified by the first person. Thereafter, the central computing system transmits a unique code to the mobile phone or other communications device of the second person. The code can then be given by the second person, verbally or by transmission or display by his/her mobile phone, to a retailer of the gift. Upon validation by the retailer, such as by communication between the retailer's point-of-sale system and the central computing system, the retailer provides the gift identified by the first person. | 02-24-2011 |
20110055033 | PAYMENT WORKFLOW EXTENSIBILITY FOR POINT-OF-SALE APPLICATIONS - Architecture that employs a software development kit and an add-in model to collect payment data and communicate with payment processors in a point-of-sale (POS) application to meet new requirements in new markets. Data gathered from an add-in and from the POS application can be combined and then communicated to the payment processor. The payment method can be determined and payment processing routed to different payment processors based on data and schema of data collected is also described. An add-in can also programmatically obtain information from the POS application information about a transaction and authorize a payment. A payment collecting/processing API is the interface between the POS application tender logic and payment collecting/processing logic and defines how a payment collecting/processing add-in interacts with the POS application. | 03-03-2011 |
20110153440 | System and method for a private and secure payment system using a merchant sales terminal - A secure payment system between a customer and a merchant, where the sales terminal wirelessly transmits a partial payment authorization transaction record including, at least a merchant terminal identification and a payment amount, but not a customer bankcard data, for a specific sales transaction, to a wireless device of the customer. Alternatively, the sales terminal displays a partial payment authorization transaction record including, at least a merchant terminal identification and a payment amount, but not a customer bankcard data, for a specific sales transaction, for the displayed record to be captured by a wireless device of the customer. | 06-23-2011 |
20110166948 | DISPENSER PROGRAMMING AUTHORIZATION SYSTEM AND METHOD FOR FRAUD PREVENTION - Methods and systems for preventing fraud by a customer at a fuel dispenser within a retail fueling environment are disclosed. According to one method, an authorization to access programming mode (AAPM) signal is received at the fuel dispenser from an authorization terminal coupled to the fuel dispenser. A request is received at the fuel dispenser to enter a programming mode of operation (PMO). The PMO is entered at the fuel dispenser to allow fuel dispenser settings of the fuel dispenser to be changed after receiving the AAPM signal and the request to enter the PMO. | 07-07-2011 |
20110184822 | POINT OF SALE NETWORK ROUTER - 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. | 07-28-2011 |
20110184823 | INCENTIVE PROGRAM FOR POINT-OF-SALE OPERATORS - A method includes receiving point-of-sale (POS) operator identification information via a POS terminal. The POS operator identification information identifies an individual POS operator. The method further includes receiving transaction information indicative of an amount paid for a transaction and a mode of payment for the transaction. In addition, the method includes assigning incentive points to an account that belongs to the individual POS operator, based at least in part on the mode of payment and the POS operator identification information. | 07-28-2011 |
20110202416 | METHOD AND SYSTEM FOR AUTHORIZING TRANSACTIONS BASED ON DEVICE LOCATION - Aspects of a method and system for authorizing network transactions based on device location are provided. In this regard, a request may be received to approve a transaction that was initiated from a first communication device and comprises a need to access an account. In response to the request, a second communication device that is associated with the account may be determined, and it may be determined whether to approve the transaction based on received data relating to the identity and location of the second communication device. The transaction may be associated with the second communication device via a database stored on the location server. The transaction may be approved in instances that the first communication device is in a location associated, via the database, with the second communication device. The transaction may be approved in instances that the first communication device is in substantially the same location as the second communication device. | 08-18-2011 |
20110218872 | System and Method for Remote Management of Sale Transaction Data - This invention discloses a novel system and method for providing retail point of sale terminals that are connected securely over the Internet to a back-office service that manages the retailer's data as a service using a system that supports more than one retailer, each of which will have one or more point of sale terminals. | 09-08-2011 |
20110238513 | METHOD AND SYSTEM FOR VALIDATING A TRANSACTION, CORRESPONDING TRANSACTIONAL TERMINAL AND PROGRAM - A method and apparatus are provided for validating a transaction on a transactional terminal, the transaction being associated with a user. The method includes a step of decoding a validation code preliminarily generated and displayed by the transactional terminal, entered by the user in a validation message, and transmitted by a mobile device of the user to an entity of a telecommunications network to which the mobile device and said transactional terminal are connected. | 09-29-2011 |
20110270694 | Device ID and Financial Information - A method including sending a device ID and financial information associated with a user of a device to a transaction device in response to receiving a transaction request from the transaction device, configuring an image capture device to capture an image of the user and send the image of the user to the transaction device, and configuring the transaction device to authenticate the financial information with the image of the user. | 11-03-2011 |
20110270695 | System, Apparatus, and Methods for Currency Processing Control and Redemption - A coin processing and redemption system includes a coin processing machine configured to receive a batch of coins in an input region and process the batch of coins to determine a value thereof. A dispensing device is provided and is configured to output a redemption ticket bearing a code. The coin processing machine is configured to associate the redemption ticket code with a coin processing transaction prior to the determination of a value of a batch of coins. | 11-03-2011 |
20110295707 | METHOD, SYSTEM, AND DEVICE FOR IMPLEMENTING NETWORK BANKING SERVICE - In the field of communications, a method, a system, and devices for implementing a network banking service are provided. The method includes: after an agent device establishes a connection with a Point Of Sale (POS) device, the agent device performs identification with the POS device; after successful identification, the agent device performs authentication with the POS device; after successful authentication, the agent device establishes a connection with a network banking server according to a preset address of the network banking server through wireless access to the Internet; and the agent device forwards network banking service data between the POS device and the network banking server, thereby implementing the network banking service. Therefore, it is convenient for users to use a network banking service, the functions of POS devices are simplified, and the cost of manufacturing and maintaining POS devices is reduced. | 12-01-2011 |
20120030044 | VIRTUAL POINT OF SALE TERMINAL AND ELECTRONIC WALLET APPARATUSES AND METHODS FOR PROCESSING SECURE WIRELESS PAYMENT TRANSACTIONS - Apparatuses and methods for a virtual point of sale terminal and an electronic wallet are described. One embodiment is a virtual point of sale terminal for initiating and accepting a wireless electronic payment, comprising a mobile communication device configured to communicate with a payment gateway system and a point of sale processing application installed in the mobile communications device, the point of sale processing application being configured to wirelessly transmit a request for payment of a transaction to the payment gateway system and to wirelessly receive an approval code for payment of the transaction from the payment gateway system. | 02-02-2012 |
20120066081 | PAYMENT SYSTEM TO FACILITATE TRANSACTIONS - Disclosed herein are systems and method for facilitating transactions between a merchant-partner and a customer. In general, the systems and methods include: (a) staging a transaction between the merchant-partner and the customer; (b) tokenizing the transaction by linking one or more transaction instructions to a token ID; (c) providing the customer with the token ID, wherein the customer can then present the token ID and a payment to a point-of-sale terminal; (d) receiving confirmation that the customer has presented, to a point-of-sale terminal, the token ID and a payment in accordance with the one or more transaction instructions; (e) notifying the merchant-partner that the customer provided the payment to the point-of-sale terminal; and (f) settling the transaction between the point-of-sale terminal and the merchant-partner. | 03-15-2012 |
20120089471 | SYSTEM AND METHOD OF CAPTURING POINT-OF-SALE DATA AND PROVIDING REAL-TIME ADVERTISING CONTENT - A tap device is provided for mobile device payment at a point-of-sale (POS) terminal. The tap device monitors at least one communication line of the POS terminal and detects at least one data packet having transaction data. The tap device includes a trigger database having entries including pre-stored trigger data elements. A first processor compares the pre-stored trigger data elements with the transaction data. The tap device transmits the transaction data when at least a portion of the transaction data corresponds to at least one pre-selected trigger data element. The tap device includes a first receiver receiving a Quick Response (QR) code generated by a remote server in response to the transaction data. The QR code includes an encoding of the transaction data. The tap device includes a display displaying the QR code for image capture by a mobile device that decodes the captured QR code into the transaction data. | 04-12-2012 |
20120101910 | PREPAYMENT SYSTEM FOR SUPPLYING WATER OR GAS BY MEANS OF A WIRELESS INTELLIGENT CARD AND METER FOR SAID SYSTEM - A prepayment system for supplying water or gas by means of a wireless intelligent card is described. The present invention also relates to a bidirectional meter specially designed to electronically record the consumption of water or gas. | 04-26-2012 |
20120130832 | HOST TO CLIENT PAYMENT - A system and a method of electronic transactions are disclosed. The system and method allow a consumer mobile device to capture the identification of a point-of-sale device and to initialize a transaction from the consumer mobile device to a master host platform. The point-of-sale device captures purchase items following a typical tender process and provides the master host platform with detailed purchase information. The master host platform instantiates a transaction merger to combine the identification information and the detailed purchase information. The transaction merger links the specific consumer to the specific transaction at the specific point-of-sale device. Then, the master host platform sends an authorization request to a payment processing host. The master host platform provides a connection between clients: the consumer mobile device and the point-of-sale device, and establishes a common interface between the clients and the payment processing host. | 05-24-2012 |
20120136735 | METHOD AND SYSTEM FOR GENERATING A DYNAMIC VERIFICATION VALUE - A method is disclosed. The method includes generating a verification value in response to a transaction involving a portable consumer device, where the verification value is generated using a first dynamic data element and a second dynamic data element. The verification value is sent to a service provider associated with the portable consumer device so that the service provider can verify the transaction. | 05-31-2012 |
20120143706 | Method and System for Improved Electronic Wallet Access - A mobile payment method and system are described that facilitate efficient and secured payment transactions from an electronic wallet on a user mobile electronic device with a merchant point of sale terminal over a contactless communications link. In one aspect, the system provides for a plurality of passcode entry related states on the mobile electronic device. The mobile device transmits a transaction request message including a multi-faceted value identifying a passcode entry related state to a payment processing server. The payment processing server processes the transaction request and when the transaction request is declined for a passcode related reason, a transaction decline response is provided identifying the passcode related reason for decline. | 06-07-2012 |
20120143707 | Executing Reader Application - In some implementations, a cradle for a mobile device includes an electrical interface, an antenna, and a reader module. The electrical interface is configured to connect to a port of mobile devices. The mobile device is configured to wireless communicate with a cellular network. The antenna is configured to wirelessly communicate signals with customer devices. The reader module is connected to the antenna and configured to operate as a wireless reader, using the antenna, to the customer devices and authorize transactions using the mobile device to connect to the cellular network. | 06-07-2012 |
20120173352 | CURRENCY HANDLING APPARATUS AND CURRENCY HANDLING METHOD - Currency handling apparatus comprising: accommodating unit for accommodating various kinds of currencies; a currency discharge opening; a transfer unit for transferring the currencies from the accommodating units to the currency discharge opening; a control unit for controlling the transfer unit to transfer the currencies from the accommodating units to the currency discharge opening thereby to discharge the currencies; and a storage unit for storing various kinds of discharge patterns indicating the numbers of currencies of individual kinds. The control unit is constituted to specify at least one of the discharge patterns in response to the instruction of a user and to discharge the currencies in accordance with the specified discharge pattern. As a result, the user can discharge the desired numbers of currencies of individual kinds merely by performing the simple designating operations. | 07-05-2012 |
20120233005 | SYSTEMS AND METHODS FOR SECURE WIRELESS PAYMENT TRANSACTIONS WHEN A WIRELESS NETWORK IS UNAVAILABLE - Systems, methods, and devices are disclosed which allow a mobile device user to complete financial transactions even when the mobile device is not connected to a wireless network. The systems, methods, and devices of the present disclosure may utilizing a combination of an encrypted lockbox containing out of network payment codes on the mobile device and a matching set of out of network payment codes stored on a server of a payment authority. | 09-13-2012 |
20120233006 | WIRELESS DEVICE OPERABLE CASH DRAWER HAVING BIOMETRIC, DATABASE, AND MESSAGING CAPABILITIES - Cash drawers that are operated by wireless devices are disclosed. In one embodiment, a cash drawer includes a network interface and a controller. The network interface enables the cash drawer to communicate with one or more wireless devices. The controller optionally controls access of the one or more wireless devices to the cash drawer based on a collection of biometric information. The collection of biometric information may be collected by the cash drawer, by the one or more wireless devices, or by an input device that is communicatively coupled to the one or more wireless devices. The collection of biometric information is illustratively used to verify an identity of a user. | 09-13-2012 |
20120253957 | SYSTEM AND METHOD FOR LOCATING A MOBILE SUBSCRIBER TERMINAL WHEN ROAMING - The location of a mobile subscriber roaming outside a home network may be used to authorize a transaction initiated by the mobile subscriber or to authenticate the mobile subscriber when signing into secure accounts. The location of the mobile subscriber is determined by providing a unique mobile subscriber identifier, such as the MSISDN, to an application that communicates with the home network and the roaming network. By communicating with the roaming network, the application can determine the current location of the roaming mobile subscriber terminal with location resolution down to the specific cell in which the mobile subscriber terminal is located. The location of the mobile subscriber terminal may be saved locally in a database associated with an authorization entity, thereby advantageously reducing the number of location look-ups requested by the authorization entity. | 10-04-2012 |
20120330765 | SYSTEM AND METHOD FOR BIOMETRICS-BASED FRAUD PREVENTION - The system employs the use of biometric authentication, a fraud control gateway and widget, and a point of sale sensor to restrict the use of credit cards or other financial tokens to authenticated actual owners of the card or token. The card or token holder will have biometric information entered into a database during an initiation or enrollment process, and subsequent uses of the card may be authenticated by comparing the biometric information of the attempted user to biometric information stored in the system. The biometric component is used for voice authentication. As part of a multi-factor security schema, the biometric authentication is combined with a series of point of sale and fraud control methods to ensure a comprehensive security umbrella for financial transactions. Both financial institution limits to transactions and consumer-preferred limits to transactions are employed. | 12-27-2012 |
20130006784 | PERSONAL AUTHENTICATION - A method and system of authenticating a person is disclosed. The authentication may include verifying authenticity of the person when interacting with a point of sale system or other authenticating requesting device according to whether biometric information collected proximate in time to the authentication request sufficiently correlates with biometric information previously collected from trust sources. | 01-03-2013 |
20130006785 | SYSTEM AND METHOD TO FACILITATE SETTLEMENT OF A TRANSACTION - 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 systems and methods for settling a transaction between a point-of-sale terminal and a merchant-partner, wherein the point-of-sale terminal receives presentment of a payment for the merchant-partner from an end-user. | 01-03-2013 |
20130013431 | Transaction-Based Fuel Purchase Authorization - Techniques for authorizing fuel purchases based on vehicle available fuel tank capacity. The authorization may be performed on a transaction basis, such that each fueling event may be independently authorized. A current fuel tank capacity for the vehicle is obtained, and transmitted to an authorization entity. An authorization is obtained for dispensing a quantity of fuel that does not exceed the current fuel tank capacity. | 01-10-2013 |
20130013432 | NFC TRANSACTIONS USING A SECURE ELEMENT REMOVABLY EMBEDDED INTO A SLOT OF A MOBILE DEVICE - A method for configuring a mobile communication device to perform transactions using a second communication channel that is different from a first communication channel through which the mobile communication device sends voice data. The method includes attaching a secure element to the mobile communication device. The secure element includes a memory storing an application, a processor configured to execute the application stored in the memory; and a wireless transceiver configured to send transaction data associated with the executed application through the second communication channel to a terminal that is remote from the mobile communication device. | 01-10-2013 |
20130013433 | MOBILE COMMERCE AUTHENTICATION AND AUTHORIZATION SYSTEM - The mobile commerce authentication and authorization system allows a user of a currently existing mobile wireless communications instrument to conduct financial transactions, including purchases, across a wireless communications system using location data to authorize and authenticate the user and the transaction. The location of the mobile wireless communications instrument and the location of a vendor point-of-sale device are matched with a payment sum. Authentication of the mobile wireless communications instrument user is achieved at least by application of the position and/or location determinable features of the mobile wireless communications instrument, the position and/or location of a point-of-sale device of a vendor or merchant where the instrument user seeks to purchase goods or services, and the payment sum entered on the point-of-sale device. A transaction matching subsystem located in a wireless customer server hub may assist in processing the location data and the payment sum across the wireless communications network. | 01-10-2013 |
20130013434 | FINANCIAL TRANSACTION PROCESSING USING A MOBILE COMMUNICATIONS DEVICE - A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server. | 01-10-2013 |
20130018740 | FINANCIAL TRANSACTION PROCESSING USING A MOBILE COMMUNICATIONS DEVICE - A method for configuring a mobile communication device to perform transactions using a second communication channel that is different from a first communication channel through which the mobile communication device sends voice data. The method includes attaching a secure element to the mobile communication device. The secure element includes a memory storing an application, a processor configured to execute the application stored in the memory; and a wireless transceiver configured to send transaction data associated with the executed application through the second communication channel to a terminal that is remote from the mobile communication device. | 01-17-2013 |
20130024307 | Systems and Methods to Communicate with Transaction Terminals - A transaction terminal is configured with an application that is configured to present a user interface for out-of-band communication with a transaction handler during the processing of a payment transaction. The transaction handler is configured invoke the application in the transaction terminal via transmitting a predetermined code in an authorization response message. | 01-24-2013 |
20130024308 | SELF CHECK OUT USING A PORTABLE DEVICE - The present invention relates to a system and method for enabling customer self-checkout using a portable device. The system allows the customer to walk in to a retail store, check out items at the store, pay for the goods and present a proof of payment at the store exit. Thus the invention asserts the possibility of having unmanned stores and benefits the stores and the customers alike. The store benefits by not having to invest in separate space, terminal and employees for check out process, while the customers benefits by not having to wait in queue to check out their goods and pay for the same. | 01-24-2013 |
20130030934 | SYSTEM AND METHOD FOR CREDIT CARD TRANSACTION APPROVAL BASED ON MOBILE SUBSCRIBER TERMINAL LOCATION - A user activity, which may be a credit card transaction or an on-line access, is approved based on the user's location at the time of the transaction or access. If the transaction or access is denied, the user may call or send a text message to the authorizing entity to permit the authorizing entity to determine the user's location. Then, the authorizing entity transmits a request to locate the user and receives location data indicating the location of the user in response thereto. If the user location is within a predetermined proximity to the location of the user activity, the user activity is authorized. | 01-31-2013 |
20130036018 | CUSTOM DESIGNED ARTICLE VENDING MACHINE - A method of providing customized articles can include providing a kiosk. The kiosk can include a housing, a first user interface, an inventory, a printer, a drawer, and a computer, which can communicate with the first user interface, the inventory, the printer, and the drawer. The method further comprises the steps of receiving an order for a customized article, processing the order with the computer, transferring at least one article from the inventory to the printer, printing the user-selected design on the at least one article, and transferring the customized article to the drawer. | 02-07-2013 |
20130041769 | SECURE DEVICE BASED NFC TRANSACTIONS - A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server. | 02-14-2013 |
20130046644 | COMMODITY ACCOMMODATION APPARATUS, COMMODITY REGISTRATION APPARATUS AND COMMODITY REGISTRATION METHOD - A commodity accommodation apparatus comprises an accommodation unit configured to accommodate commodities, a shooting unit configured to shoot an image of the interior of the accommodation unit and a sending section configured to send an identification information for specifying one's own identity and the shot image to a commodity registration apparatus. | 02-21-2013 |
20130054392 | SALES DATA PROCESSING DEVICE, SALES DATA PROCESSING METHOD AND COMPUTER READABLE STORAGE MEDIUM - A sales data processing device of the present invention accepts operations by an operator, opens a drawer, and is provided with a history acquisition unit, a reference information acquisition unit and an irregularity detection unit. The history acquisition unit acquires a history of operations by the operator. The reference information acquisition unit acquires, from references of standard operations set in advance for each of operations that cause the drawer to open, the standard operation references for operations specified in the history. For each of the operations specified in the history, the irregularity detection unit finds a difference from the standard operation reference acquired by the reference information acquisition unit, and if the difference is of at least a predetermined level, detects that the operation is an irregular drawer operation. | 02-28-2013 |
20130085875 | PAYMENT PROCESSING SYSTEM INCLUDING POINT-OF-SALE DEVICE WITH A UNIQUE IDENTIFIER AND ASSOCIATED METHODS - A wireless communications device is for communication with a point of sale (POS) device via a secure intermediary, the secure intermediary associating a unique POS identifier with the POS device, the POS device having a merchant account associated therewith. The wireless communications device includes a receiver module, and a memory configured to store account access information for a payment account. A processor is coupled to the receiver module and the memory, and is configured to determine the unique POS identifier using the receiver module. The processor is also configured to send the account access information to the POS device using via the secure intermediary and using the unique POS identifier, so that the POS device in turn causes a transfer of funds from the payment account to the merchant account. | 04-04-2013 |
20130085876 | POS Sales Transaction Safety Net - A method is provided for monitoring a register having an electronic journal associated therewith which resides on a hosting server separate from the register, and which receives records of all transactions occurring at the register. A secure, nonvolatile memory device stores sales transaction data for the register. If the memory device does not have sales transactions within a specified date range, then the memory device is marked as having been examined for transactions in the specified date range. If it is determined that the memory device does have sales transactions within the specified date range, then the memory device is marked as having been examined for transactions in the specified date range if the transaction data stored therein corresponds to the transaction data stored in the register's electronic journal for the specified date range; otherwise, a data recovery process is initiated, and a notice of the discrepancy is generated. | 04-04-2013 |
20130097036 | USING A MOBILE DEVICE AS A POINT OF SALE TERMINAL - 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. | 04-18-2013 |
20130103512 | ONLINE SHOPPING USING NFC AND A SECURE ELEMENT - 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. | 04-25-2013 |
20130103513 | ONLINE SHOPPING USING NFC AND A SERVER - 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. | 04-25-2013 |
20130103514 | ONLINE SHOPPING USING A MOBILE PAYMENT SYSTEM - 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. | 04-25-2013 |
20130144734 | MONEY TRANSFER SYSTEM USING PRE-FUNDED ESCROW - Disclosed herein are systems and method for facilitating money transfer transactions between a sender and a recipient. In general, the systems and methods include: (a) a point-of-service terminal (POS) receiving an initiation payment from a sender; (b) a pre-funded account that receives replenish payments from the POS; (c) a money transmitter terminal that receives a funding payment from the pre-funded account, and provides a fulfillment payment to a recipient; and (d) a centralized service provider linking the POS, the pre-funded account, and the money transmitter. In operation, the centralized service provider (1) receives presentment data, from the POS, indicating that the sender has provided the initiation payment at the POS, (2) provides a computerized notification to the money transmitter, instructing the money transmitter to provide the fulfillment payment to the recipient, and (3) facilitates the replenishment of the pre-funded account. | 06-06-2013 |
20130144735 | APPARATUS AND METHOD FOR POS PROCESSING - An apparatus and method for configuring, altering, controlling, securing, and extending the processing capability and functionality of PCs and POS devices using a non-volatile memory device using software and data carried within the apparatus. | 06-06-2013 |
20130159118 | System and Method for Mobile Retail Transaction Processing - A system and method for processing retail transactions using a mobile device wherein a merchant has a mobile data processing device (such as a smart phone) into which he enters information about the transaction, then prepares a message to the processor of the transaction using a magnetic stripe reader coupled to his data processing device to provide a token which is authenticated by the processor of the transaction. The system may prepare a message regarding the transaction to a customer so that the customer may participate in the transaction, e.g., by entering an account number or PIN at his terminal, content which is used by the processor without being available to the merchant. | 06-20-2013 |
20130191232 | ENHANCED MOBILE APPLICATION FOR ASSISTING USERS AT A POINT OF TRANSACTION - Embodiments of the invention include systems, methods, and computer-program products that provide for an enhanced mobile application for assisting users at a point-of-transaction (POT). In one embodiment of the invention the POT assistance application program may determines that a user is conducting a transaction with a merchant. The user may utilize a user device to assist in the transaction. First, the user device may be paired with a POT system, such as a cash register. Once the devices are paired a communication link is created that allows the user to audibly and/or visually monitor the transaction using the user device. Furthermore, the user may flag an item for review during the transaction, silence the transaction, receive a subtotal for the transaction, select a payment method, or complete the transaction using the POT assistance application program. | 07-25-2013 |
20130204724 | SYSTEM AND METHOD FOR FINGERPRINT RECOGNITION AND COLLECTION AT POINTS-OF-SALE AND POINTS-OF-ENTRY - A method of apprehending a criminal, including scanning fingerprint images from a contact area of at least one item at a point-of-sale (POS) location and/or point-of-entry (POE) location and transmitting the fingerprint images to a local or remote electronic device to identify the criminal is presented. A fingerprint recognition and collection device is also presented including a fingerprint scanner for scanning fingerprint images from a contact area of at least one item; a transmitting unit for transmitting the fingerprint images; a receiving unit for receiving the fingerprint images; and an analyzing unit for analyzing the fingerprint images to identify persons of interest. The fingerprint scanner operates concurrently with a price scanner and/or ticket scanner. The fingerprint scanner is fixedly secured at the POS location and/or the POE location and operates concurrently with the price scanner and/or ticket scanner. | 08-08-2013 |
20130226720 | SMART PHONE SYSTEM AND METHOD - A system and method for remediation, curing concerns, and transferring information associated with declined transactions is disclosed. The present disclosure generally relates to electronic commerce, and more particularly, to a system and method of validation and efficiency associated with electronic commerce. | 08-29-2013 |
20130232020 | METHOD FOR PREVENTING ILLEGAL RELOCATION AND COMMUNICATION RETRANSMISSION AND DEVICE THEREOF - A method for preventing illegal relocation and communication retransmission includes a fixed terminal arranged in an electronic equipment service area and a movable terminal arranged in the electronic equipment. The movable terminal accesses to and is registered with the fixed terminal to be bound with the same, in-place confirming communication is carried out between the movable and fixed terminals regularly or irregularly, the fixed terminal judges whether the movable terminal is located in a limited service area according to the communication transmission time, the movable terminal is not located in the limited service area and stops working and/or sends an alarm if the difference between the communication transmission time and the preset time value is larger than the set range and contrarily works normally. The defect that service areas of terminals of the electronic equipment cannot be limited in the prior art is effectively overcome by the present invention. | 09-05-2013 |
20130246202 | Systems, Methods, and Computer Program Products for Using Proxy Accounts - An electronic device including an input/output interface operable to receive an input from a user and communicate an output to the user, a transceiver operable to electronically communicate with a computer network, a computer processor operable to execute instructions, and a memory storage operable to store the instructions, the memory storage further comprising a program module that is operable to: receive credentials for a proxy payment account, where the proxy payment account is linked to a primary payment account and not linked directly to a method of payment underlying the primary payment account, and make payment at a Point of Sale (POS) using the received credentials. | 09-19-2013 |
20130254047 | AUTONOMOUS OPERATIONS OF SECURABLE DEVICES - A system and method for assigning controlled access to a securable device may include a kiosk configured to receive a PIN and to collect payment from a user for rental of a securable device from among multiple securable devices. A lock unit associated with the securable device and in communication with the kiosk may be configured to receive the PIN from said kiosk. After receiving the PIN, the kiosk may be configured to operate autonomously with respect to the kiosk to enable the user to access the securable device in response to the user entering the PIN into the lock unit. | 09-26-2013 |
20130254048 | KIOSK FOR RENTING SECURABLE DEVICES CONFIGURED TO OPERATE AS A POINT-OF-SALE - A system and method for assigning controlled access to a securable device may include (i) a kiosk configured to enable a user to rent a securable device from among multiple securable devices and (ii) a lock unit associated with the securable device and being in communication with the kiosk. The lock unit may further be configured to enable the user to access the securable device after being rented by the user via said kiosk. The kiosk may further be configured to enable the user to purchase goods or services in addition to rental of the securable device. | 09-26-2013 |
20130254049 | MULTI-ACCOUNT PAYMENT CONSOLIDATION SYSTEM - 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. | 09-26-2013 |
20130268378 | TRANSACTION VALIDATION BETWEEN A MOBILE COMMUNICATION DEVICE AND A TERMINAL USING LOCATION DATA - A method and apparatus is provided for performing a transaction involving a mobile communication device. The method includes receiving at a terminal a transaction request from the mobile communication device over a short-range communication link. An authorization request is sent to an authorizing agent requesting approval to complete the transaction in response to receipt of the transaction request. Approval to complete the transaction is received if the mobile communication device has been determined to be located within a predetermined distance of the terminal. The transaction with the mobile communication device is only completed after receiving the approval. | 10-10-2013 |
20130304594 | PASSWORD-PROTECTED PHYSICAL TRANSFER OF PASSWORD-PROTECTED DEVICES - A method for password-protected physical transfer of password-protected devices including at a receiving location, generating at least one security file including an encrypted element generated using a one-way encryption function utilizing at least one secure code, transmitting the at least one security file to a shipping location at which the password-protected devices are located, at the shipping location, using at least one shipping location password, loading the at least one security file into at least one password-protected device, shipping the at least one password-protected device to the receiving location and at the receiving location, employing the at least one secure code to supply an input to the at least one password-protected device and employing the at least one security file to enable establishment of at least one receiving location password for the at least one password-protected device which replaces the at least one shipping location password. | 11-14-2013 |
20140006190 | Secure Payments with Untrusted Devices | 01-02-2014 |
20140006191 | Wireless Client Transaction Systems And Related Methods | 01-02-2014 |
20140012689 | AUTHORIZATION OF CARDLESS PAYMENT TRANSACTIONS - A method of processing a transaction between a customer and a merchant includes receiving from a mobile device of the customer or from another device of the customer an indication of consent to perform a cardless payment transaction with the merchant, receiving from the mobile device an indication that the customer is within a predetermined distance of the merchant, after receiving both the indication of consent and the indication that the customer is within the predetermined distance, sending to a computer system of the merchant an indication of the presence of the customer and personal identifying information for the customer, receiving data indicating a transaction between the customer and the merchant, and submitting the transaction to a financial service for authorization. | 01-09-2014 |
20140032345 | Authentication Using Transaction Codes on a Mobile Device - A system includes a processor and memory operable to store user account information. The processor receives a transaction message transmitted by a transaction device in a transaction environment, the transaction message comprising transaction data obtained by the transaction device from a transaction code presented by a mobile computing device of a user. The processor further accesses the user account information and determines, using the user account information and the transaction data from the transaction message, whether the user is authenticated. The processor transmits an authentication message indicating whether the user is authenticated to the transaction device. | 01-30-2014 |
20140032346 | METHOD AND SYSTEM FOR CONTROLLING MOBILE DATA TERMINALS - The present invention provides a method and system for controlling a mobile data terminal, comprising: receiving an instruction execution request from the mobile POS terminal; in response to receiving the instruction execution request, determining whether the instruction execution request contains current location information associated with the mobile POS terminal; if not, executing a real-time location acquisition procedure to proactively obtain the current location information associated with the mobile POS terminal; if yes, executing a real-time location verification procedure to confirm the current location information contained in the instruction execution request; and determining whether the mobile POS terminal is located in a pre-determined region according to the current location information that has been verified or proactively obtained. | 01-30-2014 |
20140046785 | Credit/Debit Card Secure Processing Method and System - Disclosed is a system for substantially enhancing the security and protection of a credit/debit card typically carried by consumers. The system includes administrative mainframe computers at a payment processing center capable of cooperating with a microprocessor embedded credit card, an associated cellular telephone number, a scanner with fingerprint reading means, and inputs by the cardholder. The credit/debit card used in the system comprises embedded electronic data and a means for retaining an electronic image of the thumbprint of the authorized cardholder. When presented for a purchase, and scanned at the point of sale, the scanning equipment will initiate a prompt to automatically dial the cell phone number previously registered by the card holder with the system administrator. Upon recognizing the incoming message, the cardholder enters a pre-arranged PIN into his/her cell phone, thereby uploading all security parameters for verification by the electronic equipment at the point of sale. | 02-13-2014 |
20140046786 | Mobile Merchant POS Processing System, Point-of-Sale App, Analytical Methods, and Systems and Methods for Implementing the Same - Disclosed herein are payment systems and methods for accepting and reconciling consumer credit or debit account transactions between merchants and consumers. The described systems and methods include merchant-employee POS application software that can be downloaded onto portable communication devices such that portable POS terminals can be easily deployed into a mobile sales network. Further disclosed are security techniques that can be employed within this system analytics systems and methods for gleaning useful data from the aggregation of multiple merchant employee POS terminal sales data. | 02-13-2014 |
20140052552 | COMPUTER BIOS CONTROL OF CASH DRAWER - Access to a cash drawer is controlled by way of a basic input-output system (BIOS) of an associated computer. The BIOS can provide for local user access to the cash drawer by way of password, designated keystroke, or other procedure. A local or remote user can reconfigure cash drawer access procedures, establish time clock-based scheduling, or affect other control parameters by way of graphical user interface (GUI) stored in the BIOS. Cash drawer security, management options and user convenience are improved accordingly. | 02-20-2014 |
20140052553 | METHOD OF MAKING MOBILE PAYMENTS TO A RECIPIENT LACKING A WIRELESS OR CONTACTLESS TERMINAL - The current invention provides a mobile payment method and a number of variations that enable a consumer to pay for a purchase from a merchant. Preferably the consumer may use a mobile device such as a smart phone to complete the transaction. With the current invention, the merchant may be capable of conducting the transaction using only an ordinary point of sale (OPOS) terminal, allowing the merchant and consumer to conduct business in a more convenient manner. The variations of the core method also significantly facilitate possible payment from the consumer to the merchant, enhancing the efficiency of the transactions. | 02-20-2014 |
20140058861 | DELIVERING CUSTOMER SPECIFIED RECEIPT TYPES AT CHECKOUT - The present invention extends to methods, systems, and computer program products for delivering customer specified receipt types at checkout. A customer specifies receipt delivery preferences at a mobile device (e.g., specifying delivery of a digital receipt and/or a paper receipt at checkout). The mobile device sends the customer's receipt delivery preferences to a receipt preferences database server for storage in a receipt preferences database. During a sales transaction, a point-of-sale (“POS”) system refers to the receipt preferences database (or a relevant portion thereof) to access the customer's receipt delivery preferences. Based on the customer's receipt delivery preferences, the point-of-sale (“POS”) system delivers appropriate types of receipts (e.g. digital and/or paper) to the customer. | 02-27-2014 |
20140058862 | Secure Online Push Payment Systems and Methods - Some embodiments provide a payment system that involves mobile applications, merchant Points-of-Sale (POS's), and a back-end. The back-end registers a mobile application for use by a user and a user PIN to complete a transaction via the mobile application. The back-end also registers identifiers to uniquely identify the merchant POS's. The user performs a check-in to a merchant POS by submitting the unique encoded identifier of the merchant POS to the back-end using the mobile application. The merchant can then invoice the user by selecting the corresponding check-in of that user and uploading an invoice for that check-in to the back-end. The back-end provides the invoice to the user via the mobile application. The user enters his/her PIN in the mobile application to approve payment for the transaction and the back-end completes the transfer of funds from a user account to a merchant account. | 02-27-2014 |
20140067566 | SMARTPHONE BARCODE TRANSACTIONS - Systems and methods for processing payments using a dynamic security code are provided. An account authorization system may generate a plurality of dynamic security codes and transmit the plurality of dynamic security codes to a portable consumer device. The portable consumer device may generate a payment code comprising a transaction account number and a dynamic security code. A merchant may scan the payment code and transmit a transaction request to the account authorization system. The account authorization system may compare the transaction account number and dynamic security code in the transaction request to a transaction account number and dynamic security code stored in a database. The account authorization system may transmit an authorization message to the merchant. | 03-06-2014 |
20140100974 | TELEPHONE NUMBER PAYMENT SYSTEM - An automated method for enabling a customer to make a payment for goods or services using one of several possible payment choices selectable by the customer by entering the customer's mobile telephone number and a personal identification number (PIN) at a point of payment terminal and then selecting one of several possible previously entered credit card numbers or payment mechanisms. Once the payment option is selected, the point of sale terminal conducts the transaction with the selected payment option. | 04-10-2014 |
20140108173 | SYSTEM AND ARCHITECTURE FOR MERCHANT INTEGRATION OF A BIOMETRIC PAYMENT SYSTEM - A system and method for performing authentication are disclosed. The system may include a shared central processing server, a plurality of software components each residing in a corresponding point-of-sale (POS) workstation and an identity provider service. The server may reside at a merchant location and communicate with multiple POS workstations at the merchant location. The server may be configured to receive biometric information from each POS workstation. Each software component may communicate with a biometric sensor in communication with the corresponding POS workstation to receive biometric information. The identity provider service may be configured to communicate with the server, store registered biometric information and compare biometric information received from the server with one or more of the stored registered biometric information. One of the biometric sensor, a POS workstation and the server may convert a biometric image into a biometric template for comparison with the stored registered biometric information. | 04-17-2014 |
20140122268 | Point-Of-Sale-Customer-Identification Apparatus And Method - A method is disclosed identifying a customer during a point-of-sale transaction. Within the method, a computer system may associate or link a first character string to a computing device possessed by a customer. Subsequently, the computer system may initiate a point-of-sale transaction with the customer at a point-of-sale system. In the transaction, the computer system may receive payment data from the customer and first location data from the computing device. From the payment data, the computer system may obtain a second character string. Accordingly, the computer system may identify a match between the first character string and the second character string and between the first location data and second location data corresponding to the point-of-sale system. Thus, the computer system may determine that the computing device is a proper recipient of an electronic receipt documenting the transaction and send the electronic receipt to the computing device. | 05-01-2014 |
20140136351 | CONSUMER OPERATED KIOSKS FOR PURCHASING ITEMS ONLINE AND ASSOCIATED SYSTEMS AND METHODS - The present disclosure is directed to consumer operated kiosks for purchasing items online and associated systems and methods. In one embodiment, for example, a method of making purchases online can include receiving funds (e.g., bills and/or coins) from a user at a consumer operated kiosk, and receiving online order information at the consumer operated kiosk. The online order information can be associated with a user account stored on a remote database and can include a cost of an online order from a third party merchant. The method can further include initiating transfer of at least a portion of the received funds to the third party merchant to pay for the online order. | 05-15-2014 |
20140172599 | Determining Point Of Sale Advertisement Effectiveness - Systems and methods are disclosed herein for characterizing the effectiveness of an advertisement displayed at a point of sale (POS). A transaction reported by a POS may identify a consumer and a transaction time as well of details such as a product purchased. The transaction time may be compared to an advertising schedule to identify an advertisement displayed adjacent the POS at the time of purchase. Transactions subsequent to identified advertisements may be analyzed to identify any increase in purchasing activity for an advertised product. Increases in purchasing activity and impressions identified in this manner for the general population or demographic groups may be aggregated to characterize an advertisement's effectiveness. Video data or transaction frequency data may be used to estimate an in-queue time for a customer in order to identify advertisement impressions. | 06-19-2014 |
20140188640 | ENFORCING TIME-OUT PERIODS IN PAYMENT-ENABLED MOBILE DEVICE - A mobile device includes a housing and an antenna mounted in or on the housing for exchanging transaction signals with a point-of-sale (POS) terminal. The mobile device also includes a user interface element, a transceiver coupled to the antenna, and a secure element including processing circuitry and a secure tick counter. The secure element stores a payment application operable to conduct a pre-sign procedure selected by a user before interfacing with a point-of-sale (POS) terminal. The processing circuitry verifies the user, obtains a first tick value, sets the mobile device into a transaction-enabled state, obtains, when the transceiver is interfaced with a POS terminal, a current tick value from the secure tick counter, calculates a difference value between the current tick value and the first tick value, and enforces a risk management decision. | 07-03-2014 |
20140207590 | SYSTEM, METHOD AND APPARATUS TO FACILITATE COMMERCE AND SALES - A system and method for conducting commerce and sales operations is disclosed. A sales representative identifies a customer, chooses a product, and completes a sales transaction using a front-end POS software application. The sales data is transferred to a central storage server, where a master database is created with the data from the front-end POS software application. The central storage server transmits and receives data from back-end corporate servers and databases and creates a master database containing data from corporate applications. The front-end POS software devices uses a holster that includes a docking station, sliding cradle for a mobile device, a card reader, and an infrared scanner to identify products and complete payment. | 07-24-2014 |
20140214568 | RETAIL LOSS PREVENTION USING BIOMETRIC DATA - Systems and methods are disclosed herein for estimating the risk of criminal activity in a retail setting. Using video data, biometric data for an individual may be obtained. A baseline biometric measurement is taken upon enqueuing of an individual, which may include entry of the individual into the field of view of a camera having a point of sale (POS) in its field of view. A biometric measurement is also taken when the individual is adjacent the POS. According to an analysis of these measurements, an estimate of risk is calculated, such as by comparing the baseline measurement to a POS measurement. Based on this risk assessment, an alert may be generated. The alert may be a graphical indicator displayed on the POS or transmitted to a device operated by a store representative. The risk assessment may also be used to select transactions for auditing in a self-checkout system. | 07-31-2014 |
20140222596 | SYSTEM AND METHOD FOR CARDLESS FINANCIAL TRANSACTION USING FACIAL BIOMERTICS - In view of the foregoing, an embodiment herein discloses a system and method for facilitating cardless financial transaction in which the face of the user can itself be used as the credit card for financial transaction at the point of sale (POS) or online financial transaction. The method includes capturing a user's face using a 3-D facial recognition system, converting the facial image into digital data and converting the digital data is converted into the numeric template for that user's face and stored in the separate block within the server's database. One aspect discloses a method in which the multiple bank accounts can be managed as single accounts and at the time of cardless financial transaction user may choose which bank account to use which is differentiated by the three digit alphanumeric code assigned for each bank account. | 08-07-2014 |
20140258009 | PAYMENT SERVICE REGISTRATION - Processes are disclosed to facilitate the verification and registration of users of a payment service. One process includes receiving an intent to register message from a user via an SMS message sent from a user mobile device. The process also includes sending a query message to the user mobile device. The query message includes a request for a government identification number from the user. The process also includes verifying the government identification number against a collection of data entries provided by a third party. The process also includes sending a temporary validation code to the user mobile device. The process also includes receiving an updated PIN from a known POS terminal. The known POS terminal was previously registered with the payment service. The updated PIN replaces the temporary validation code. The process also includes sending a registration confirmation to the user mobile device. Other related processes are also disclosed herein. | 09-11-2014 |
20140279101 | DISTANCE FACTOR BASED MOBILE DEVICE SELECTION - Providing a request is disclosed. A first distance indication indicating a physical distance between the first mobile device and a reference location is received from a first mobile device. It is determined that the first distance indication meets a threshold criteria relative to a second distance indication of a second mobile device. A request for payment is provided to the first mobile device based at least in on part on the determination that the first distance indication meets the threshold criteria. | 09-18-2014 |
20140279102 | FRAUD DETECTION - A system and method of fraud detection is disclosed including identification of a group of employees and bills associated with each employee of the group. For each bill, at least two conditions of the following conditions are determined: whether a complimentary condition has been met, whether a transfer condition has been met, whether a void and promotion condition has been met, whether a gratuity inflation condition has been met, whether a point of sale authorization condition has been met, whether an automatic gratuity condition has been met, and whether a bill reuse condition has been met. A score corresponding to each of the determined conditions is calculated and a total score for each employee is established based on the score for the determined conditions for each of the bills. Each employee of the group is rated based on the employee's total score. | 09-18-2014 |
20140279103 | SYSTEM AND METHOD FOR ENABLING FINANCIAL TRANSACTIONS - A financial transaction system includes a governing host having a database for registering parties wishing to perform a financial transaction and processing the financial transaction. A discrete point-of-sale (POS) terminal interfaces with one party wishing to initiate a financial transaction with another party. The discrete POS terminal has a local transaction process for initial validating and enforcing of business rules governing the transaction with the one party and generating a transaction key confirming that the transaction is authorised on validating the transaction with the governing host. A facilitator device reads the transaction key on being supplied with same by the one party and communicates with the governing host to complete the transaction using a facilitator POS terminal. The discrete POS terminal is located separately and can be accessed and operated independently by the one party offline of any point-of-sale activity involving the facilitator POS terminal and the facilitator device. | 09-18-2014 |
20140279104 | OBFUSCATING A TRANSACTION IN A DISPERSED STORAGE SYSTEM - A method begins by a processing module receiving a data segment for dispersed storage. The method continues with the processing module encoding the data segment in accordance with an error coding dispersed storage function to produce a plurality of error coded data slices. The method continues with the processing module generating a slice name for an error coded data slice of the plurality of error coded data slices, wherein the slice name includes a dispersed storage routing information section and a data identification section. The method continues with the processing module performing a securing function on at least the data identification section to produce a secure data identification section. The method continues with the processing module replacing, within the slice name, the data identification section with the secure data identification section to produce a secure slice name. | 09-18-2014 |
20140289060 | SYSTEMS AND METHODS FOR GENERATING CUSTOM REPORTS BASED ON POINT-OF-SALE DATA - A method of generating custom reports based on point-of-sale data transferred between multiple remote computing devices and a central computing device includes generating point-of-sale data at multiple remote locations, transferring the point-of-sale data to a central computing device from multiple computing devices at the respective multiple remote locations, defining a custom report format, the custom report format specifying at least two of the multiple remote locations and specifying a date range, the date range and the at least two multiple remote locations being freely selectable by a user, generating a custom report using the custom report format, the custom report being based on point-of-sale data related to the specified remote locations and the specified date range, and communicating the custom report to a human being. A computer program embodied on a computer-readable medium for generating custom reports is also disclosed, as are subscription services, computer systems, graphical user interfaces and other features. | 09-25-2014 |
20140297433 | SECURITY SYSTEM - A terminal for use in a retail banking system comprises an interface for receiving multiple types of personal authentication elements. An authentication request for a user is associated with one or more of these types of element. The terminal also comprises a security module for providing access to a plurality of different access spaces of the system, each space comprises a different respective function or combination of functions of the system. For each access space, the security module provides a mapping between that access space and a respective one or more of the types of personal authentication element. Based on this mapping, the security module is thus configured to grant the user with access to one of the access spaces on condition of being mapped to the one or more types of personal authentication element associated with the authentication request for the user, and on condition those elements are verified. | 10-02-2014 |
20140316917 | RETAIL CONVENIENCE MARKET TECHNOLOGY WITH ENHANCED VENDOR ADMINISTRATION AND USER MOBILE APP FUNCTIONALITY - A self-service, self-checkout micro-market retail shopping system for disposition and use in a private or public office, factory or other workspace for use by employees, workers and the like. The micro-market may supply snacks, candies, beverages, other food items and various convenience items such as toiletries for use by employees, workers and other during the work day, lunch and break time. The micro-market may also supply work related items such as uniforms and apparel, tools, office supplies, travel accessories and the like. The devices and process also include enhanced vendor administration tools and functionality. The devices and process also include enhanced user ability to use mobile devices and apps, and on-line tools for creating and managing accounts and for purchasing items. | 10-23-2014 |
20140344084 | SYSTEM AND METHOD FOR VERIFYING USER IDENTITY INFORMATION IN FINANCIAL TRANSACTIONS - A system and method for verifying a user's identity during a point-of-sale transaction are provided. The system and method provide for applying for, receiving and verifying a financial services provider card; providing a plurality of requested biometric identification data to a financial services provider; uploading the plurality of biometric identification data of a user requested by the financial services provider via a network connected computing device to a preselected website; storing the plurality of biometric identification data in a remote server coupled to the preselected website; and using the plurality of requested biometric identification data to execute a point-of-sale transaction, wherein a merchant can verify the financial services card with the biometric identification data provided by the remote server or provided by the user via a point-of-sale terminal. | 11-20-2014 |
20140351070 | ROLE-BASED TRANSACTION MANAGEMENT SYSTEM FOR MULTI-POINT MERCHANTS - A system and method is provided for role-based management of commercial transaction data for a multi-point merchant by storing data identifying a plurality of store locations of the multi-point merchant. The stored data is associated with an account of the multi-point merchant. A transaction record is received from each of a plurality of devices. Each of the devices is associated with a corresponding store location of the multi-point merchant. Each transaction record is stored in a location of the account using the stored data that identifies the plurality of store locations of the multi-point merchant. Multiple pre-determined roles are further associated with each account. Upon receiving a request from an operator of the multi-point merchant to view account information, a particular pre-determined role is identified for that operator. The operator is selectively allowed to access data from one or more of the transaction records based on the pre-determined role. | 11-27-2014 |
20140379501 | POS SYSTEM AND METHOD FOR OPERATING A POS SYSTEM - A POS system comprises a checkout means for carrying out a payment operation, a cash drawer which includes a storage compartment for storing money, wherein in an open condition of the cash drawer the storage compartment is open for an access and in a closed condition of the cash drawer the storage compartment is closed, a control means for controlling the cash drawer, wherein the control means is formed to generate a control signal for opening the cash drawer, and a sensor means for generating an opening signal which indicates whether the cash drawer is in its open condition. The control means is formed to evaluate whether or not an opening signal is preceded by a control signal with a predetermined time interval, in order to detect a manipulation process during opening and/or closing the cash drawer on the basis of the evaluation. | 12-25-2014 |
20140379502 | SYSTEM AND METHOD FOR CONTROLLING FINANCIAL TRANSACTIONS OVER A WIRELESS NETWORK - A system and method for controlling financial transactions is disclosed. A customer, using a wireless device, identifies a point of sale and the amount of a transaction at that point of sale is first communicated to a central service and then transmitted to the wireless device for display at the wireless device. The customer can either accept the transaction amount to complete the transaction or reject the amount to cancel the transaction. The customer may have to enter a password or personal identification number to verify the authorization to use the wireless financial system. The customer is billed for the transaction via credit, debit, ATM or other methods, such as the wireless carrier or an internet provider. | 12-25-2014 |
20150025989 | REMOTE CONFIGURATION OF A POINT-OF-SALE DEVICE - A method of remotely configuring a point-of-sale device that is configured with resident executable program code involves the resident executable program code transmitting a framework update request to a computer server. The resident executable program code imposes a security requirement prohibiting unauthorized change of the resident executable program code. The resident executable program code also defines an operational framework of at least one allowed mode of operation for the point-of-sale device. The framework update request includes a credential. In accordance with a validity of the credential, the point-of-sale device receives a framework update payload in response to the framework update request, and installs the framework update payload into the point-of-sale device. The resident executable program code together with the framework update payload define an updated version of the operational framework. The updated version of the operational framework maintains the imposed security requirement. | 01-22-2015 |
20150032557 | COMMODITY SALES DATA PROCESSING APPARATUS AND METHOD FOR CONTROLLING EXECUTABLE JOB BY THE SAME - A commodity sales data processing apparatus, including a portable information terminal having a battery and a display on which an executable job name is displayed and a docking station on which the information terminal is mounted to charge the battery, monitors whether or not the information terminal is mounted on the docking station to detect the separation therebetween. The processing apparatus restricts jobs permitted at the time the information terminal is separated from the docking station to a part of jobs permitted at the time the information terminal is mounted on the docking station if the separation between the information terminal and the docking station is detected and the display of the information terminal displays job names permitted at the time the information terminal is separated from the docking station if the separation between the information terminal and the docking station is detected. | 01-29-2015 |
20150051993 | METHOD AND SYSTEM FOR LOCATION BASED HANDS-FREE PAYMENT - Certain aspects of a method and system for location based hands-free payment may include a network that comprises a plurality of mobile devices and a plurality of point of sale devices. A first mobile device may determine its location coordinates and communicate them to a selected point of sale device. An authorization to execute a payment transaction may be triggered on the first mobile device when it is within a defined proximity of the selected point of sale device. In another embodiment of the invention, a first point of sale device may determine the location coordinates of a selected mobile device and trigger a notification based on a generated geo-fence when the selected mobile device is within a defined proximity of the first point of sale device. | 02-19-2015 |
20150066671 | MERCHANT POINT OF SALE SECURITY SYSTEM - A point of sale (POS) security system includes a POS device including a non-transitory memory, one or more hardware processors, and one or more environment sensors. A plurality of POS instructions are located on the non-transitory memory in the POS device and executable by the one or more hardware processors in the POS device to provide a POS engine that is configured to receive and transmit payment information for conducting a payment transaction associated with a purchase. A plurality of security instructions are located on the non-transitory memory in the POS device and are executable by the one or more hardware processors in the POS device to provide a security engine that is configured to receive environment signals from the one or more environment sensors in the POS device and analyze those environment signals to determine a security breach. | 03-05-2015 |
20150088675 | INVENTORY CONTROL SYSTEM - An inventory control system. The inventory control system includes a terminal, wherein the terminal is configured to allow a user to enter a sale of an item. The inventory control system also includes a cabinet. The cabinet is configured to store the item and is in electronic communication with the terminal. The cabinet dispenses the item in response to the sale. | 03-26-2015 |
20150100444 | PORTABLE DEVICE FOR FINANCIAL TRANSACTIONS - The invention relates to a portable device for financial transactions which can be used for safe payments and/or withdrawals of cash in real time and for other forms of credit and/or banking operations in general. | 04-09-2015 |
20150120474 | SYSTEM AND METHOD FOR DISPENSING AND PURCHASING FUEL - A system for purchasing fuel is provided. The system includes, but is not limited to, a local device for retrieving identification information which identifies a fuel dispensing station, the identification information containing information identifying the fuel dispensing station from which fuel is desired to be purchased, and a remote server connected with the local device. Upon receiving the identification information at the local device, the local device automatically forwards the identification information along with a unique identifier to the remote server. The remote server generates and transmits an unlock code to the fuel dispensing station. The unlock code signals the fuel dispensing station to dispense fuel. | 04-30-2015 |
20150142587 | System and Method of Dynamic Correlation View for Cloud Based Incident Analysis and Pattern Detection - A method and apparatus including a cloud server saving a plurality of security events that occurred within a secured area where each saved security event includes an identifier on a device or person monitored by the security system, an identifier of the monitoring function that triggered the saving of the event in the cloud and a time of the event, a user input receiving an identifier of the monitored device or person and at least two different functions monitored by the security system and a processor downloading information of some of the plurality of saved events identified by the received identifiers from the cloud server and presenting the downloaded information of each event at corresponding locations along a timeline. | 05-21-2015 |
20150142588 | SYSTEM AND METHOD FOR MANAGEMENT OF RETAIL SITE INFRASTRUCTURE FOR MOBILE APPLICATION USAGES - A method of authorizing a transaction at a fuel pump includes receiving a user request to activate the pump, determining whether the user is authorized, determining whether the user is in the proximity of the pump, determining whether the pump is functional, determining whether the pump is already reserved for another user, and determining whether the pump is already in use. In response to those determinations, a message is displayed, either authorizing or declining the transaction. | 05-21-2015 |
20150142589 | Method, Mobile Terminal and POS Machine for Implementing Selection of Secure Element in Near Field Communication - A method, a mobile terminal, and a point of sale (POS) machine for implementing selection of a secure element in near field communication are provided. The method includes receiving, by a near field communication controller on a local end, a first configuration instruction sent by a device host on the local end, where the first configuration instruction includes an environment characteristic used for selecting the secure element; configuring, by the near field communication controller, the environment characteristic in the near field communication controller according to the first configuration instruction; receiving, by the near field communication controller, a second configuration instruction sent by the device host; and configuring, by the near field communication controller according to the second configuration instruction, the environment characteristic in an attribute response instruction for communicating and interacting with a peer end. | 05-21-2015 |
20150302378 | SYSTEM AND METHOD FOR REMOTE MANAGEMENT OF SALE TRANSACTION DATA - This invention discloses a novel system and method for providing retail point of sale terminals that are connected securely over the Internet to a back-office service that manages the retailer's data as a service using a system that supports more than one retailer, each of which will have one or more point of sale terminals. The system is adapted to provide transaction reconciliation with an accounting system whenever a user ends a shift and logs out of the register instance they are operating. | 10-22-2015 |
20150310413 | SIGNAL-TO-NOISE RATIO IMAGE VALIDATION - An image is compared to a validation image to obtain a signal-to-noise ratio. The signal-to-noise ratio is used to determine validity of the image. According to an embodiment, the image includes a barcode. According to another embodiment, a minimum threshold value for the signal-to-noise ratio is set and the validity of the image is determined based on the minimum threshold value and the signal-to-noise ratio. The minimum threshold value can be determined by using respective signal-to-noise ratios resulting from comparing a valid image to a validation image and an invalid image to a validation image. | 10-29-2015 |
20150324780 | Abbreviated User Authentication for a Retail-Affiliated Device - A method authenticates a user of an electronic device located in and affiliated with a retail environment. The method includes prohibiting certain operations from being performed on the electronic device in a locked state. The method also includes, responsive to a user authenticating himself or herself through an authentication process, allowing those certain operations to be performed on the electronic device in an unlocked state. The method further entails configuring an extent to which the authentication process required for authentication at any given time is abbreviated. The method performs this configuring depending on a level of customer activity detected within the retail environment with which the electronic device is affiliated and in which the electronic device is located. | 11-12-2015 |
20150332242 | SYSTEMS AND METHODS FOR IDENTIFYING TRANSACTION CAPABILITIES OF CASHIER - Exemplary embodiments are directed to determining an availability of a transaction capability of a point-of-sale terminal, and alerting a customer of an availability of the transaction capability. Login activity can be detected at a point-of-sale terminal. An availability of a transaction capability for the point-of-sale terminal can be determined based on data retrieved by the point-of-sale terminal in response to the login activity. A visual alert associated with the transaction capability of the point-of-sale terminal is controlled based on the availability of the transaction capability. | 11-19-2015 |
20150332274 | BIOMETRIC RECOGNITION METHOD WITH SPEED AND SECURITY FEATURE SUITABLE FOR POS/ATM APPLICATIONS - A method quickly recognizes a person by identification codes derivable from biometric data includes registering and recognizing at least one user from multiple registered users by a recognition event. Each user registration event includes acquiring from biometric data correlated to a configuration of the user's blood vessels. Acquired biometric data is encoded into a respective registration identification code associated to the user. The user is registered the associated registration identification code is registered. Each recognition event includes acquiring the biometric data correlated to the user's blood vessels. The acquired biometric data is coded into a respective recognition identification user code. Based on the registered identification codes, a comparison set of comparison identification codes is prepared. Then the recognition identification code is compared with each comparison identification code. A respective matching level for each comparison is estimated. The user is recognized or refused recognition based on the estimated matching levels. | 11-19-2015 |
20150347999 | POINT-OF-SALE LOCATION CHECK FOR PAYMENT CARD PURCHASES - Credit card fraud prevention techniques are disclosed in which the authorization of a payment card may be performed using information obtained from a mobile device (e.g., a smart phone) associated with a user who initiates a point-of-sale payment card transaction. In one implementation, a device may receive a request for authorization of a payment associated with a payment card; and obtain location information relating to a location of a mobile device associated with a user of the payment card. The device may determine, based at least on a location of the point-of-sale terminal and the location of the mobile device, whether to authorize the request for authorization of the payment. | 12-03-2015 |
20160005018 | POINT OF SALE (POS) SYSTEM AND OPERATION METHOD THEREOF - A point of sale (POS) system includes a cloud server and a terminal device. The cloud server includes a sales database, and a verification module for storing a set of predetermined account data. The terminal device includes a network unit for linking to the cloud server via Internet, and a sales module for generating a set of sales data according to user input . Wherein when the terminal device logins the cloud server via Internet according to a set of user account data, and the verification module determines the set of user account data corresponding to the set of predetermined account data, the terminal device downloads peripheral device setting data from the cloud server for setting the terminal device to link to a peripheral device, and the terminal device uploads the set of sales data to the sales database. | 01-07-2016 |
20160012446 | AUTHORIZATION OF TRANSACTIONS BASED ON AUTOMATED VALIDATION OF CUSTOMER SPEECH | 01-14-2016 |
20160063471 | METHODS AND A SYSTEM FOR PASSIVE AUTHENTICATION - Resource attributes for resources are continuously and regularly collected from hardware and software resources of one or more devices. The resource attributes are continuously fed to one or more confidence calculators. At any given point in time, a single confidence value is provided to an authentication for making a decision as to whether to authenticate a user for access to a particular resource. | 03-03-2016 |
20160063503 | METHODS AND A SYSTEM FOR CONTINUOUS AUTOMATED AUTHENTICATION - Sensors provide sensor data continuously from a device. The sensor data is continuously processed as factors to generate a confidence value for authentication. The confidence value is compared to a predetermined threshold value or predetermined range of values to determine whether a user is to be authenticated for access to one or more of: a device, a resource, and a transaction operation for a transaction. | 03-03-2016 |
20160098713 | SYSTEMS AND METHODS TO COMMUNICATE WITH TRANSACTION TERMINALS - A transaction terminal is configured with an application that is configured to present a user interface for out-of-band communication with a transaction handler during the processing of a payment transaction. The transaction handler is configured to invoke the application in the transaction terminal via transmitting a predetermined code in an authorization response message. | 04-07-2016 |
20160104171 | VISUAL ANALYSIS OF TRANSACTIONS - Technologies and implementations for facilitating visual analysis of transactions utilizing analytics are generally disclosed. | 04-14-2016 |
20160104172 | VISUAL ANALYSIS OF TRANSACTIONS - Technologies and implementations for facilitating visual analysis of transactions utilizing analytics are generally disclosed. | 04-14-2016 |
20160110715 | METHOD AND SYSTEM FOR DYNAMIC FUNDING - A request to process a payment is received from a point of sale (POS) device. The request includes identify information corresponding to a device of a user that is used to pay for a purchase at the POS device. An authorization to process the request is received via the POS device. The request to process the payment is processed based on the receiving of the authorization. | 04-21-2016 |
20160117663 | METHOD AND APPARATUS FOR INVOKING A DEGRADED MODE ARCHITECTURE - An apparatus for invoking a degraded mode architecture is provided. The apparatus may include a desktop application, a branch processor, and/or a data center. The branch processor may be in communication with the data center and the desktop application. The branch processor may transmit activities that occurred in the branch processor and the desktop application to the data center. During a termination of communication between the data center and the branch processor, the branch processor may save branch processor activities and desktop application activities. After the termination of communication, the branch processor may transmit the saved activities to the data center. In addition, many components which may be found on the desktop application may also be found on the branch processor. This may enable the branch processor to perform the desktop application capabilities when there is a termination of communication between the desktop application and the branch processor. | 04-28-2016 |
20160125380 | APPARATUS AND METHODS FOR COMMUNICATING ASSET INFORMATION - Apparatus and methods for use with a security system such as a benefit denial system may involve a containing element configured to receive an asset that may include a benefit for a user of the asset. The apparatus may include an electrical circuit operatively associated with the containing element and configured to communicate information to a receiver outside the containing element. The information may be configured to be used by the benefit denial system to provide the benefit to the user. Apparatus and methods for executing a conveyance of an interest in an asset from a first party to a second party may involve a containing element having an electrical circuit configured to communicate information corresponding to the asset to a receiver outside the containing element. An electrical circuit may be provided with means for destruction of the circuit by an asset user. | 05-05-2016 |
20160125404 | FACE RECOGNITION BUSINESS MODEL AND METHOD FOR IDENTIFYING PERPETRATORS OF ATM FRAUD - A system and method for identifying perpetrators of ATM fraud. A subscription fee is collected for defined services for collecting, processing, and analyzing facial data. Facial data is acquired from a person conducting a transaction with an automated transaction system having a camera device. The facial data is linked to a transaction identifier including at least time and location associated with the transaction. The facial data and the transaction identifier are stored in a centralized repository. Upon request from an authorized subscriber to identify the person based on the transaction identifier, because the transaction is deemed fraudulent, the facial data associated with the transaction identifier is compared to facial profiles obtained from private, public, and law enforcement databases. Potential identity matches are generated based on the facial profiles. The potential identity matches are output to the authorized subscriber for further prosecutorial and/or investigative actions. | 05-05-2016 |
20160132853 | REMOTE AUTHENTICATION FOR POINT OF SALE MACHINE USING A MOBILE NUMBER THROUGH UNSTRUCTURED SUPPLEMENTARY SERVICE DATA - Remotely authenticating an invoice amount for a sales transaction with a merchant through a mobile device of a user using a USSD session initiated by a telecom service provider. The provider receives a transaction request of at least a mobile phone number and invoice amount from a POS machine at the merchant. The provider identifies the user from the mobile number and generates a one-time purchase ID associated with the invoice and sends the purchase ID to the user through the mobile device. The provider initiates an interactive USSD session with the user through a gateway and sends a menu with transaction details and financial account list on the user's mobile device within the session including multiple financial accounts registered to the user. The provider receives a password from the user through the session and deducts the invoice amount from a user's account and transfers the funds to the merchant. | 05-12-2016 |
20160155127 | SMART VENDING APPARATUS WITH AUTOMATED REGULATORY COMPLIANCE VERIFICATION AND METHOD OF USE | 06-02-2016 |
20160162867 | UNIVERSAL SECURE REGISTRY - A secure registry system and method for the use thereof are provided which permits secure access to a database containing selected data on a plurality of entities, at least portions of which database has restricted access. Mechanisms are provided for controlling access to restricted access portions of the database are provided, such access being determined by at least one of the identity of the requesting entity and the entity's status. A multicharacter public code may be provided which the system can map to provide permit delivery of items, complete telephone calls and perform other functions for entities. The system may also be utilized to locate an individual based on limited biological data. Organizations utilizing the system may have custom software facilitating their access and use of the system. | 06-09-2016 |
20160189127 | Systems And Methods For Creating Dynamic Programmable Credential and Security Cards - A dynamic credential card system for interoperating with multiple different point-of-sale systems is disclosed. The system comprises three computer systems: a dynamic digital value transfer system operating on a server, a dynamic digital value transfer application operating on a mobile digital device, and a small programmable dynamic credential card system. The dynamic digital value transfer system interoperates with third party payment systems and communicates with the dynamic digital value transfer application. The dynamic digital value transfer application communicates with the small programmable dynamic credential card system. The small programmable dynamic credential card system has at least one Point-of-Sale communication system for communicating with retail Point-Of-Sale terminals. | 06-30-2016 |
20160203481 | SYSTEM AND METHOD FOR RECONCILING ELECTRONIC TRANSACTION RECORDS FOR ENHANCED SECURITY | 07-14-2016 |
20160253648 | INTELLIGENT VIDEO VERIFICATION OF POINT OF SALE (POS) TRANSACTIONS | 09-01-2016 |
20160253747 | AUTOMATED SERVICE SYSTEM WITH USER'S AUTOMATIC IDENTIFICATION | 09-01-2016 |
20170236109 | MOBILE PAYMENT TERMINAL COMPRISING AN EMBEDDED UNLOCKING FUNCTION | 08-17-2017 |
20190147427 | SYSTEMS AND METHODS FOR NETWORK CONFIGURATIONS OF PIN PADS | 05-16-2019 |
20220138717 | Keyboard Application With Third Party Engagement Selectable Items - Embodiments of the invention are directed to an embodiment of a keyboard application in which a plurality of selectable items (representing keys) are associated with transactions. The keyboard application may be imported into any application that utilizes text input, and replaces a default keyboard used to provide the text input. Upon selection of one of the plurality of selectable items, a transaction is initiated by a service provider computer. In some embodiments, the transaction may result in the engagement of a third party entity. Once completed, an access credential associated with the completion of the transaction is generated. The access credential may be entered into the text input field of the application that utilizes text input. | 05-05-2022 |