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US20110066513 METHOD AND SYSTEM FOR SECURE MOBILE PAYMENT  
A method for processing a payment relating to a transaction between a debtor and a creditor. The method includes displaying an amount of payment, and transmitting an authorisation message between...
US20140108166 MERCHANT CATEGORY CODE ("MCC") BASED ACCEPTANCE COST RECOVERY  
Methods and apparatus for recovering a transaction cost in connection with a transaction between a customer and a merchant are provided. The transaction cost may be recovered from a transaction...
US20110022480 Loss Prevention At Point Of Sale  
Loss prevention at a point of sale (‘POS’) with POS apparatus including a microphone, a speech to text converter, a POS transaction module, a POS transaction log, and a POS security module, also...
US20120101909 System and Method for Issuing Negotiable Instruments by Licensed Money Transmitter from Direct Deposits  
Embodiments relate to a cash card and associated systems and processes. An account structure is provided that allows a non-bank entity to indirectly provide direct deposit capabilities for funds...
US20140136353 SYSTEM AND METHOD FOR OPTIMIZING CARD USAGE IN A PAYMENT TRANSACTION  
Systems and methods for enabling a user to use a single payment device in payment transactions for optimizing card rewards. Payment instruments such as credit cards, debit cards and stored value...
US20120185312 SYSTEMS AND METHODS FOR IMPLEMENTING FINANCIAL TRANSACTIONS  
A payment processing system to provide merchant-specific accounts to consumers that are accessed by payment instruments. In one embodiment, the payment processing system can create and provide a...
US20100299195 SYSTEMS AND METHODS FOR IMPLEMENTING FINANCIAL TRANSACTIONS  
A payment processing system to provide merchant-specific accounts to consumers that are accessed by payment instruments. In one embodiment, the payment processing system can create and provide a...
US20120245995 METHOD AND SYSTEM FOR ENABLING LOCATION BASED ADVERTISEMENTS WITH PAY FOR PERFORMANCE  
A system for offering mobile location based advertisements based on a pay for performance method is presented. The system serves and tracks advertisements and business locations searched and...
US20140172607 Checkout Station  
A checkout station includes a scale fixedly attached to a framework of the checkout station and a track, surrounding the scale, through which a display moves between a first position and a second...
US20120143708 Method and System for Providing Laundry Services  
A method and system for providing laundry services makes use of a laundry station having an interactive point-of-sale device operably connected to one or more laundry unit containers for housing...
US20140337138 PAYMENT CODES FOR ENHANCED CONSUMER EXPERIENCE  
Methods and systems for facilitating payments with a mobile device are described. The methods include detecting a location of a mobile device, receiving identifying information from a user through...
US20100114623 USING DETAILED PROCESS INFORMATION AT A POINT OF SALE  
Techniques for using transactional and visual event information to facilitate loss prevention are provided. The techniques include obtaining video of one or more visual events at a point of sale...
US20130218693 OBTAINING INSTANT CREDIT AT A POS WITH LIMITED INFORMATION  
A consumer at a POS is able to obtain instant credit from a third party payment provider by providing identification information, such as from a driver's license, through a sales associate at the...
US20110004526 PORTABLE CONSUMER DEVICE VERIFICATION SYSTEM  
A method for verifying a portable consumer device. The method includes receiving an authorization request message associated with a transaction conducted using a portable consumer device. The...
US20140136309 SYSTEM AND METHOD FOR OPTIMIZING CARD USAGE IN A PAYMENT TRANSACTION  
Systems and methods for enabling a user to use a single financial card in a payment transaction for optimizing card rewards are disclosed. A database having a plurality of payment instruments such...
US20140108167 DYNAMIC NOTIFICATION OF TRANSACTION COST RECOVERY  
Methods and apparatus for recovering a transaction cost in connection with a transaction between a customer and a merchant are provided. The transaction cost may be recovered from a transaction...
US20120179558 System and Method for Enhancing Electronic Transactions  
A system and method that enables a consumer or merchant to configure their own respective requirements for using and accessing one or more financial accounts in connection with a financial...
US20130110655 SYSTEMS AND METHODS FOR SHARED LENDING RISK  
The system enables a merchant to choose the degree in which to participate in financing of a customer. This enables a new revenue stream for merchants beyond retail margin. The system also enables...
US20150081459 MOBILE POINT-OF-SALE  
A mobile point-of-sale system includes a cart frame and a battery housed in the cart frame. The cart frame includes a front having a bottom, a back having a bottom edge and a bottom. The bottom...
US20110208601 SYSTEM AND METHOD FOR FINANCIAL TRANSACTION AUTHENTICATION USING TRAVEL INFORMATION  
Systems and methods for verifying a distant-from-home financial transaction related to a customer account based on travel indicators in earlier purchase transactions made by that customer.
US20130024302 CUSTOMER MANAGEMENT SYSTEM AND CUSTOMER MANAGEMENT METHOD  
A customer management system includes a shop terminal having a reading unit reading personal information from a storage medium and a writing unit, and includes a server having an allocation unit...
US20140330655 ADJUSTMENT OF A SECURITY LEVEL OF A TRANSACTION SYSTEM BASED ON A BIOMETRIC CHARACTERISTIC OF A CUSTOMER  
Methods and systems for adjusting a security level of a transaction system based on biometric characteristics of a customer are disclosed. According to an aspect, a method includes interacting...
US20120253953 ADJUSTMENT OF A SECURITY LEVEL OF A TRANSACTION SYSTEM BASED ON A BIOMETRIC CHARACTERISTIC OF A CUSTOMER  
Methods and systems for adjusting a security level of a transaction system based on biometric characteristics of a customer are disclosed. According to an aspect, a method includes interacting...
US20140108168 LOW VALUE BASED ACCEPTANCE COST RECOVERY  
Methods and apparatus for recovering a transaction cost in connection with a transaction between a customer and a merchant are provided. The transaction cost may be recovered from a transaction...
US20120253955 SYSTEM AND METHOD OF A PASSPHRASE ACCOUNT IDENTIFIER FOR USE IN A NETWORK ENVIRONMENT  
A system and method for facilitating a financial transaction over a network including use of a passphrase account identifier is described herein. In one embodiment, a system for facilitating a...
US20140279098 Bill Splitting and Payment System and Method  
The present subject matter discloses systems and methods in which a mobile application integrates with a restaurant's point of sale (POS) system such that, by providing a table identifier, users...
US20140081781 SYSTEM FOR ACTIVATION OF MULTIPLE CARDS  
According to one embodiment of the invention, a system is provided for activating a plurality of cards. An activation indicator can be provided to an activation system to process the activation of...
US20130153656 Checkout Station  
A checkout station includes a turntable that is rotatable between a first position and a second position and a barcode scanner that is attached to the turntable and is directed in a first...
US20150127475 Systems and Methods of Voice Authentication in Transactions  
There is provided a method of authenticating data, comprising the following elements. Firstly, a voice biometric system is trained to identify a user from a message spoken by the user. Then a...
US20120016755 Check Processing And Funds Verification  
A system and method of verifying sufficient funds in an account associated with a negotiable instrument, such as a check, money order, traveler's check, etc., received for payment is provided. The...
US20120150671 System and Method for the Interoperability of Different Payment or Transaction Authorization Platforms  
A system, method and intermediary for effecting a payment account transaction at a point of sale on behalf of a registrant while avoiding disclosure of its payment account information at the point...
US20140058857 SYSTEM AND METHOD FOR SATISFYING A TRANSACTION AMOUNT FROM AN ALTERNATIVE FUNDING SOURCE  
Systems and methods for paying a transaction amount at a point of sale (e.g. a physical point of sale or a virtual point of sale) are disclosed. The systems and methods are configured to monitor...
US20110173083 Account Control Method and System that Allows Only Eligible and Authorized Items to be Purchased Using the Account  
The present invention relates to a real time account control method and system that allows only eligible and authorized items to be purchased using the account. The present invention relates...
US20130006781 SYSTEM AND METHOD FOR DISPUTING INDIVIDUAL ITEMS THAT ARE THE SUBJECT OF A TRANSACTION  
A system and method for disputing individual items that are the subject of a transaction includes storing, in a database, a record of a transaction in which a plurality of goods or services were...
US20120130831 SYSTEM AND METHOD FOR DISPUTING INDIVIDUAL ITEMS THAT ARE THE SUBJECT OF A TRANSACTION  
A system and method for disputing individual items that are the subject of a transaction includes storing, in a database, a record of a transaction in which a plurality of goods or services were...
US20140229304 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,...
US20120066079 POINT OF SALE SYSTEM  
Methods, systems and computer program products for facilitating point of sale transactions and payment transactions.
US20120072295 SYSTEM FOR FACILITATING MULTI-CHANNEL PURCHASE OF FSA ELIGIBLE ITEMS  
In a database that is associated with the retailer POS system, inventory is flagged as being FSA-eligible and a retailer POS system is programmed to support FSA debit card auto-adjudication, i.e.,...
US20130232017 DEVICE, SYSTEM, AND METHOD OF ELECTRONIC PAYMENT  
The present invention includes device, system, and method of electronic payment. An operator server may transmit, to a smartphone or other portable wireless device of a patron, a unique...
US20130232018 METHOD AND SYSTEM FOR ENGAGING IN A TRANSACTION BETWEEN A CONSUMER AND A MERCHANT  
Disclosed is a method for engaging in a transaction between a consumer and a merchant. In particular, the present invention is directed to a method and system for providing instant credit by a...
US20060085268 Access to product supplemental information, in a store  
The method of assisting customers in a store, that includes providing one or more customer accessible terminals (CATS) in a store; providing supplemental information concerning a product in the...
US20110231267 NAIL POLISH COLOR SELECTION SYSTEM  
A user interactive custom nail polish color and effects dispensing system and method of doing business, including for both point of sale and remote (e.g., via internet) transactions.
US20130054388 Commerce and inventory control system and a method for conducting commerce  
A system 10 having a cloud computing assembly 16 and at least one portable computing device 12 which is in communication with the assembly 16 and which cooperates with the assembly 16 to take...
US20120179559 METHODS AND SYSTEMS FOR PROCESSING TRANSACTIONS  
Methods and systems are provided for processing a transaction between a first party and a second party. Information defining terms of the transaction and identifying a presentation instrument are...
US20140040055 Systems and Methods for Dispensing Products Selected at Remote Point-of-Sale Devices  
The present application provides a remote beverage dispensing system for filling a number of orders with one or more beverage selections. The remote beverage dispensing system may include a...
US20130117136 System and Method for Real-Time Price Change Monitoring  
A system and method for verifying that a price sign has changed a displayed price correctly including a message control system that monitors communications between a controller and controller and...
US20110320291 SYSTEMS AND METHODS FOR ASYNCHRONOUS MOBILE AUTHORIZATION OF CREDIT CARD PURCHASES  
An exemplary system includes an asynchronous transaction authorization (“ATA”) subsystem configured to record prior approval of transaction parameters from the account holder(s) and approve a...
US20150149308 Method and System for Credit Card Selection at a Point of Sale  
Embodiments herein provide systems and methods for selecting a credit card for a user at a point of sale. One method generally includes determining an identity of a business establishment...
US20140136351 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...
US20120054016 Customer survey device with fraud prevention system  
A restaurant customer-survey system and device, which reduces employee fraud when a customer-satisfaction survey embedded in the device is conducted. The survey may be implemented in a pager, tip...