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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...
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...
US20120330743 METHOD AND A SYSTEM FOR PROVIDING A SERVICE TRANSACTION FOR A MOBILE DEVICE  
A method for providing a service transaction for a mobile device of a user at a point of sale (POS) of a supplier, wherein the method comprises the steps of sending (S2) by said mobile device an...
US20110029396 METHODS AND SYSTEMS FOR PROCESSING, ACCOUNTING, AND ADMINISTRATION OF STORED VALUE CARDS  
Methods are described for accounting, administration and processing of transactions utilizing a stored value card utilizing an EFT service gateway and providing balances for the cards across a...
US20100010901 POINT-OF-SALE TRANSACTION MANAGEMENT  
A point-of-sale system comprises a webserver that receives lists of products and services offered at retail points of sale, and that can sort them into items that are qualified, conditionally...
US20150019355 SYSTEMS AND METHODS FOR PROVIDING MANUFACTURER-BASED FINANCIAL SERVICE ACCOUNTS  
The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code...
US20120197744 SYSTEM AND METHOD FOR POINT OF SALE TRANSACTIONS  
Disclosed herein are methods and systems for executing a first transaction at a checkout system at substantially the same time that a second transaction is started at the checkout system. For...
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...
US20120109693 RECEIPT INSURANCE SYSTEMS AND METHODS  
Receipt insurance systems and methods provide protection to consumers against losses which may result from failure to possess a physical receipt or proof of purchase for retail purchase...
US20130138519 Point of Sale Activation and Reload System  
The present invention relates generally to the use of point of sale transactions at point-of-sale terminals (POST) enabling users to simultaneously activate and assign a monetary value to a...
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...
US20130282501 POINT-OF-SALE SYSTEM  
A point-of-sale system includes a stand that supports a tablet computer. The tablet computer can run a merchant application to provide the typical functionality for a point-of-sale system. The...
US20120011012 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...
US20120233004 System for mobile electronic commerce  
A System for Mobile Electronic Commerce includes a first server, a first database, and a mobile application executable on a mobile device. The first server is in communication with a first...
US20110218870 COMMUNICATION METHOD FOR A ROAMING POINT-OF-SALE SYSTEM  
A roaming point-of-sale system is disclosed including methods of communicating between the system components. A handheld computing device sends messages to a scanning device, which messages cause...
US20120191556 SYSTEMS AND METHODS FOR VIRTUAL MOBILE TRANSACTION  
Disclosed is a computer based method including receiving a request, by a virtual mobile transaction computer, from a user device or from an application running on the user device. The user and the...
US20110231268 ONLINE BARCODE DIRECTORY AND SYSTEMS FOR FACILITATING TRANSACTIONS UTILIZING THE SAME  
An online directory of people, businesses and products which is accessible by a user is described herein. Each person, business or product may be associated with a unique visual identifier such as...
US20120173351 Mobile Electronic Shopping  
The present disclosure describes electronic shopping systems, specifically electronic shopping and payment embodiments, which utilize a software program running on a device to digitally photograph...
US20110010254 TRANSACTION PROCESSING SYSTEMS AND METHODS FOR PER-TRANSACTION PERSONAL FINANCIAL MANAGEMENT  
Systems and methods for personal financial management for receiving payment for a transaction amount from a user includes means for receiving from the user a primary account number associated with...
US20140249944 WEARABLE MOBILE SCANNER SYSTEM WITH MOBILE TABLET HAVING A MOBILE POS AND ENTERPRISE RESOURCE PLANNING APPLICATION FOR POS CUSTOMER ORDER FULFILLMENT AND IN STORE INVENTORY MANAGEMENT FOR RETAIL ESTABLISHMENT  
A wearable mobile scanner system processes a retail store purchase in a convenient, time efficient and reliable manner. The wearable mobile scanner system includes a forearm portion and a hand...
US20110004527 FINANCIAL TRANSACTION APPROVAL SYSTEM AND METHOD  
A method of sale including processing a plurality of purchases to be sold to a consumer, identifying a consumer financial account held by a financial institution, receiving authorization from the...
US20130110656 Smart payment system  
A versatile payment system connected to the payment network for the use with a POS application is disclosed. The payment system can be configured as a stand-alone payment system or a payment...
US20110010253 SYSTEMS AND METHODS FOR PER-TRANSACTION FINANCIAL CARD ENABLED PERSONAL FINANCIAL MANAGEMENT  
Systems and methods for personal financial management using a financial card having a primary account with a plurality of subaccounts within the primary account, the systems and methods includes...
US20130151344 SYSTEM AND METHOD FOR STORING AND ACCESSING ELECTRONIC RECEIPTS  
Electronic receipts arising from transactions processed at a card transaction processing system are captured and stored at the processing system for subsequent access by merchants and cardholders....
US20120095856 USING A MOBILE DEVICE TO MAKE A TRANSACTION  
An exemplary method enables a user of a mobile device to make purchases. From the mobile device, the user sends a messaging service short code identifying a retailer, an item identifier for an...
US20150006305 Payment System and Methods  
Disclosed are payment system and methods in which a shopper pays with a temporary payment token that is a number (such as a 7-digit number that appeared on the screen of the shopper's mobile...
US20130144732 METHOD AND SYSTEM FOR ELECTRONIC MERCHANT GIFT CARD CREATION AND REDEMPTION  
Embodiments of the present invention provide a method, system and a point of sale device for generating and redeeming a virtual gift card. In accordance with an embodiment of the present...
US20110137803 SECURE ELECTRONIC RECEIPT SYSTEMS AND METHODS  
The present disclosure relates to secure electronic receipt systems and methods. The present invention removes the need for paper-based receipts while preserving security through use of a digital...
US20130297431 METHOD AND APPARATUS FOR CREATING A VALUE-BEARING INSTRUMENT WHERE THE DESIGN ATTRIBUTES COMPLIMENT/MATCH A PRODUCT OR SERVICE  
A method of generating a gift card comprising: (a) receiving indicia corresponding to at least one of a product indicia representative of a particular product and a service indicia representative...
US20130191196 System and Method for Utilizing Consumer Capital to fund Municipal Charitable Projects  
A consumer capital distribution system for providing revenue to underfunded municipal projects and charitable organizations. Consumers are provided with a member card that is linked to a charity...
US20090276320 BEZEL FOR VENDING OR GAMING MACHINE  
A bezel for use in a merchandising system is provided. The bezel includes an information display and a graphic display including one or more visual indicators. The bezel also includes a card...
US20140379500 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...
US20120011010 SECURE SYSTEM AND PROCESS FOR IDENTIFICATION AND IDENTITY REGISTRATION  
An identification and registration system including a scanner (J) for making a digital copy of an identity document (K), a server (A), transmission means for transmitting said digitized copy,...
US20110231269 Method for Recipient Orientated Financial Services  
A method allowing a first person to provide a “virtual” gift to a second party is disclosed, referred to as a “credit gifting” system, wherein the first person accesses an application allowing...
US20140081854 SYSTEMS AND METHODS FOR FACILITATING REMOTE AUTHORIZATION AND PAYMENT OF GOODS VIA MOBILE COMMERCE  
An on-site consumer at a merchant location can obtain payment authorization and a payment method via a mobile device and mobile application from third-party payor that is not at the merchant...
US20100332308 METHOD AND SYSTEM FOR DYNAMICALLY CUSTOMIZING A TRANSACTION OF SUBSIDIZED GOODS USING AN IDENTITY MEDIUM  
A subsidy and payment system dynamically determines a consumer's subsidy entitlement status and calculates a customized subsidy applicable to purchase of subsidized goods based on the consumer's...
US20130144733 METHOD AND SYSTEM FOR ELECTRONIC NATIONAL FINANCIAL INSTITUTION GIFT CARD CREATION AND REDEMPTION  
Embodiments of the present invention provide a method, system and a point of sale device for generating and redeeming a virtual gift card. In accordance with an embodiment of the present...
US20110191196 System for Interfacing a Client Device with a Point of Sale System  
An information technology system taking the form of a management console, central server, point of sale system, software running on a point of sale system and software running on a customer's...
US20130073405 CUSTOMER EXPERIENCE MANAGEMENT SYSTEM  
A system and method for engaging a customer in an enhanced shopping experience. The customer provides customer information which is stored on a database. An identifying token (e.g. a card) is...
US20140081780 TEMPORAL BASED 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 utilizing central...
US20140229305 REAL TIME PAPERLESS PAYMENT CONTROL  
A real time paperless payment control and electronic receipt system for managing transaction receipts (20) issued by a point of sale (30), comprises the steps of providing an electronic receipt...
US20140316916 COMPUTER-CONTROLLED, UNATTENDED, AUTOMATED CHECKOUT STORE OUTLET AND RELATED METHOD  
A computer-controlled, automated checkout store outlet comprises at least one bay. A normally locked door is associated with each bay, and provides access to items within the bay by customers...
US20100012714 ENVIRONMENTALLY CONSCIOUS, SOCIALLY RESPONSIBLE GREETING CARD WITH INTEGRATED GIFT  
An environmentally responsible, socially conscious greeting card that integrates a gift via imprinted bar code or 2D-code which allows recipient to obtain the gift by scanning at specified retail...
US20140025514 CASH MANAGEMENT SYSTEM AND METHOD  
The present invention relates to a new system and method for conducting business that provides a fully integrated cash management system for easily accessible, real-time cash flow figures for all...
US20120330764 Point of Sale System for Transaction Payment Delegation  
Methods and systems are disclosed herein to provide payment delegation for transactions. A payment request may be transmitted to a point of sale system from a mobile device. The mobile device...
US20130179280 SYSTEM FOR ACTIVATION OF MULTIPLE CARDS  
According to one embodiment of the invention, a system is provided for activating a plurality of cards. A first card number and a total number of cards can be provided to an activation system to...
US20090150234 Electronic Coupon Validation For A Point Of Sale ('POS') Transaction  
Methods, apparatus, and products are disclosed for electronic coupon validation for a Point Of Sale (‘POS’) transaction that include: maintaining, by a POS module, a product coupon participation...
US20130211936 APPARATUS AND METHOD FOR STORING ELECTRONIC RECEIPTS ON A UNIFIED CARD OR SMARTPHONE  
A receipt system allows customers to store receipts on a Unified Card or smartphone when making purchases from different retailer merchants. The customer purchases goods or services and the...
US20110066514 System and/or method for handling returns involving products tied to post-paid subscriptions/services  
The exemplary embodiments described herein relate to the field of electronic registration (ER) of purchased products and, more particularly, to an improved electronic registration system that...
US20150235196 Payment method and device  
Disclosed are a payment method and device. With the method, after a payment request is received from a terminal, a two-dimensional code containing payment information of an account corresponding...