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US20140081784 PAYMENT METHOD, PAYMENT SERVER PERFORMING THE SAME AND PAYMENT SYSTEM PERFORMING THE SAME  
A payment server that includes a payment request receiving unit configured to receive a payment request code including a first partial payment code, and a payment code determination unit configured...
US20140172604 REPRINTING A PAPER RECEIPT WHERE AN ELECTRONIC RECEIPT WAS ORIGINALLY ISSUED  
A method is disclosed for reprinting a receipt. Where a customer has elected to receive electronic receipts, an electronic receipt may be received on a mobile electronic device following a customer...
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...
US20130097038 RESTAURANT SERVICE AND MANAGEMENT SYSTEM  
The field of the invention relates to management systems including a hub, a set of clients, and a point of sale system, the management system operable to be controlled by management tool software....
US20140108261 SYSTEMS AND METHODS FOR PAYMENT MANAGEMENT FOR SUPPORTING MOBILE PAYMENTS  
Systems and methods for managing mobile payments is provided. An account issuer provides an application that is loaded onto a mobile device, which enables a consumer to pay for transactions. The...
US20120215649 SYSTEM FOR SECURED TRANSACTIONS OVER A WIRELESS NETWORK  
A system for implementing a method that books and pays a retailer having a POS connected to a transaction server storing confidential user information including a retailer identification, a user...
US20130238455 METHODS AND SYSTEMS FOR SELECTING ACCOUNTS AND OFFERS IN PAYMENT TRANSACTIONS  
Embodiments provide systems, methods, processes, computer program code and means for using mobile devices to conduct payment transactions at merchant locations including brick and mortar locations...
US20140188643 TRANSACTION COST RECOVERY FOR FUNDS TRANSFER  
Apparatus and methods are provided for adjusting a transaction cost and/or a transaction cost recovery amount. The adjusting may be based on a comparison of historical usage of a first payment...
US20110153441 Systems and Methods for Authorizing Use of Validly Sold Merchandise  
The invention is generally directed to a method of managing the activation and use of a specific merchandise, facilitated between at least a retailer that sells the specific merchandise, a customer...
US20140067567 TECHNIQUES TO CUSTOM DEFINE TRANSACTION SESSIONS  
Techniques to custom define transaction sessions are provided. A plugin-based architecture is provided having tasks as units of atomic work that are bound to orchestrators. The orchestrators form...
US20130339167 Payment Processing For Qualified Transaction Items  
Systems, methods, and apparatuses for providing a portable consumer device (e.g., a plastic card) that includes a coupon code and an account number (e.g., embedded on a magnetic stripe or a chip)...
US20140067572 Payment Systems and Methods  
In one embodiment the present invention includes a payment system for a commercial transaction. The payment system includes an account server that a consumer accesses using the consumer's mobile...
US20140172537 TRANSACTION COST RECOVERY DISCOUNT OFFERING  
Apparatus and methods for determining a transaction cost recovery amount are provided. The transaction cost recovery amount may be determined for each of a plurality of locations. The locations may...
US20130179281 SYSTEM AND METHOD FOR OFFLINE STAND-IN OF FINANCIAL PAYMENT TRANSACTIONS  
Methods, systems, and devices are disclosed for conducting offline transactions using mobile devices at a point of sale device while the point of sale device is disconnected from a network. The...
US20140012692 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...
US20140279113 System and Method to Reduce Misuse of a Financial Instrument at a Point-of-Sale Location  
Disclosed are systems and methods of utilizing an initial, automatic authentication of a financial instrument user's identity when the user attempts to make a purchase with a financial instrument...
US20140188642 POINT-OF-SALE ("POS") CONTROLLER  
Apparatus and methods are provided for adjusting a transaction cost and/or a transaction cost recovery amount. The adjusting may be based on a comparison of historical usage of a first payment...
US20130297434 SERVICE PLAN PRODUCT AND ASSOCIATED SYSTEM AND METHOD  
A service plan product providing a tangible representation of a service plan includes a support backer and a tag removably coupled with the backer. The tag includes service plan account...
US20120233005 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,...
US20120078738 Electronic registration systems for items purchased under a gift registry and/or for items to be distributed post-sale, and associated methods  
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...
US20140012690 Systems and Methods for Facilitating Cash-Based Transactions  
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...
US20140046788 PAYMENT METHOD AND SYSTEM  
A payment method and a system are provided. The payment method allows making a payment for a purchased product with an electronic wallet account linked with a telephone number.
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...
US20130006785 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...
US20130054336 SYSTEM AND METHOD FOR INCORPORATING ONE-TIME TOKENS, COUPONS, AND REWARD SYSTEMS INTO MERCHANT POINT OF SALE CHECKOUT SYSTEMS  
A method for incorporating one-time-tokens, coupon and reward systems in conjunction with merchants' POS checkout systems in the physical or virtual environments includes providing a consumer...
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...
US20130041741 System and Method to Facilitate Retail Promotions  
Disclosed herein are systems and methods for facilitating retail promotions. The systems and methods disclosed generally include: (a) defining terms of a retail promotion; (b) identifying whether a...
US20120226546 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...
US20140006196 METHOD AND SYSTEM FOR DYNAMIC FUNDING  
An identifier of a mobile device may be accessed. The identifier may be associated with a payment account. A single use authentication code relating to the identifier may be generated. The single...
US20130215116 System and Method for Collaborative Shopping, Business and Entertainment  
The methods and systems described herein relate to online methods of collaboration in community environments. The methods and systems are related to an online apparel modeling system that allows...
US20130317928 METHODS AND SYSTEMS FOR WALLET ENROLLMENT  
Embodiments of the present invention relate to systems, methods, processes, computer program code, and means for creating digital wallets for users. In some embodiments, digital wallets are...
US20130332294 Pregame electronic commerce integrator  
The PreGame payment system is provided to optimize throughput capacity for retail establishment, such as restaurants, bars, grocery stores, or the like, by providing a secure and speedy method of...
US20120330768 REVERSE VAULT CASH SYSTEM AND METHODS  
An electronic cash management system including a plurality of electronic cash safes each associated with a cash acceptor and a communicator under the physical control of a financial institution...
US20050021411 Product code availability  
A method, apparatus, system and signal-bearing medium, that saves a product code which enables use of a product on an electronic device. In various embodiments, the product code may be saved in the...
US20130332295 POS SYSTEM  
Provided is a POS system, including a terminal (12) that includes a bank deposit amount calculating unit (122) for calculating a bank deposit amount for each business day, in which the bank deposit...
US20140172602 PEER-TO-PEER SYSTEM FOR SHARING MEDIA CONTENT  
A system and method for providing for delivery of digital content stored on one or more members of a local kiosk group to a requesting kiosk, thus avoiding the necessity of requesting the digital...
US20110145080 Anonymous Pharmacy Order Processing  
In an illustrative implementation, an anonymous pharmacy order processing system includes means for protecting downstream systems from exposure to confidential identity information, thereby...
US20120253958 SYSTEM FOR GENERATING DIGITAL RECEIPTS  
A digital receipt generator is placed between a point of sale terminal and a printer. The digital receipt generator receives receipt printing requests from the point of sale terminal, identifies...
US20140074723 COMMUNICATING PAYMENTS  
For communicating payments, a mobile device reads a point-of-sale code from a point-of-sale device. A clearing house generates a payment authorization comprising an authorization code and a...
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...
US20130144737 Point-of-Sale (POS) Machine, POS Machine Card-Payment System and Card-Payment Trading Method Thereof  
A POS machine and a POS machine card-payment system and a card-payment transaction method thereof. The POS machine card-payment system can select merchant information by selecting a product or a...
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...
US20140156433 SYSTEM AND METHOD FOR PRESENTING A FINANCING INSTRUMENT AT A POINT OF SALE  
A system and method for extending credit to a purchaser at a point-of-sale terminal. A merchant registers with a host system operated by or for a lending financial institution. The host receives a...
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 of...
US20120330767 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...
US20130268381 PAYMENT SYSTEM AND METHODS  
Disclosed are payment system and methods.
US20130238457 Remote Payment System and Method  
The present invention relates to a remote payment system (1) and method (100) which enables a customer who will carry out payment transaction to make payment without the necessity of being present...
US20140214570 METHOD AND SYSTEM FOR CONTENT SUBMISSION CONTINUATION  
Techniques for collection of user-generated content, such as reviews and/or ratings relating to products, are described. User-generated content relating to an opinion of a product may be received...
US20110208603 CUSTOMER ONBOARDING  
Financial institutions are continuously seeking effective ways “to onboard” customers. As used herein, “to onboard” or “onboarding” refers to a financial institution building its relationshi...
US20140214575 System and Method for Electronic Prepaid Account Replenishment  
A method for crediting a customer account maintained by a vendor of services in response to payment received from a customer is disclosed herein. The method includes issuing, to the customer, a...