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8504428 System and method of tracking and encoding electronic transactions  
A system of tracking, identifying, and encoding an electronic transaction. The system includes a portal soliciting electronic transactions, an encoder in communication with the portal, a processor...
8504429 System and method of displaying information by an electronic price label  
A system and method of displaying information by an electronic price label which uses thresholds to minimize the number of messages to an electronic price label. The system includes a record for an...
8498893 Systems and methods for providing distributed recursive voting  
A recursive voting method: creating an original initiative which requires a vote response, transmitting the original initiative to first tier recipient(s); transmitting the initiative by at least...
8498901 Method and system for virtual representation of currency  
The invention relates to a method for representing a transfer of currency during a transaction. The method involves establishing a network connection with a computing device, receiving, from the...
8498909 System and method for associating financial transaction data with user's project data in cash transactions  
This invention relates to an expense reporting system for viewing and manipulating a user's financial transaction data and a method for associating financial transaction data with a user's project...
8499030 Software and method that enables selection of one of a plurality of network communications service providers  
Software stored on a computer-readable storage medium at a user station configured for communications with a multiplicity of independently-operated data sources via a non-proprietary network...
8498903 System and method for performing a security check at a checkout terminal  
A system and method for performing a security check at a checkout terminal is disclosed. Various heuristics are utilized to verify that a customer or clerk has properly identified an item being...
8490870 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...
8494908 Retail checkout system and method  
A near field communication (NFC) based checkout system comprises an NFC enabled mobile telephone that reads product data from an NFC tag associated with a product. The mobile telephone updates a...
8494274 System and method for performing a shopping activity through a wireless computing device  
The invention provides a method, system and computer program product for performing a shopping activity in a shopping store through a wireless computing device of a customer. The wireless computing...
8478639 System and method for a multiple merchant stored value card  
The loyalty system allows a consumer to accumulate general loyalty points from one or more merchants, and convert any desired subset of general points to loyalty dollars associated with a specific...
8478637 Index for assessing discount potential  
A computerized system and method of calculating a discount index value for a supplier can include receiving information related to a plurality of discount leverage factors for the supplier,...
8469268 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...
8473351 Systems and methods for verifying authorization  
Authorization verification systems and methods are described that store a record of an authorization determination performed at a point of sale or other point of control. The system receives...
8468059 Storage-cabinet and method for selling frozen and/or refrigerated goods from such a locked storage-cabinet  
A storage cabinet for at least one of refrigerated and frozen goods for sale through that the cabinet door opens via entering of a door opening code in a payment terminal with scanning equipment...
8468085 System and method for reporting and analyzing mortgage information  
A reporting and analyzing mortgage information system and method include receiving portfolio information from a lender, presenting the lender with predictive modeling and recapture metrics. The...
8463674 System and method for distributing mobile gift cards  
A system and method for distributing mobile gift cards is described. One embodiment, a computer-server-based method, receives a selection of a merchant with which to associate a mobile gift card,...
8459545 Image-based point-of-sale mobile settlement system  
Methods and systems for facilitating image-based payment transactions through the exchange of encoded images between devices connected to a communication network. The encoded images represent...
8463649 Bidding for a request to reserve a service  
Methods and corresponding system are provided herewith that, in at least one embodiment, include the act or acts of: determining that a service provided by a restaurant is available for bidding....
8458037 Electronically maintained community escrow  
Coin types of coins with which a user is permitted to pay for a transaction are divided into first and second groups. The coin types of the second group are of lower value than those of the first...
8452661 Metered electrical charging station with integrated expense tracking and invoice capabilities  
A system for safely recharging and charging electrically powered vehicles, including hybrid powered vehicles, includes an electrical charging station for connecting the vehicles to a source of...
8452660 Self-checkout security system and method therefor  
A system and method for enhanced security for a self-checkout system is disclosed where predicted weights of items are used to predict the total order weight. The predicted total order weight is...
8452662 System, program product, and associated methods to autodraw for micro-credit attached to prepaid card  
A prepaid card processor receives data for a line of credit for a prepaid card from a lending institution computer. The prepaid card processor makes available draws to the line of credit line on...
8452645 Interface between two reward programs for concurrently redeeming currencies  
A system and method, such as an interface, for real time redemption of currency of two or more reward programs. The interface allows a participant to redeem in real time currency of one program in...
8451118 Method and apparatus for maintaining and locating lost, misplaced or stolen articles  
Theft increases the average product cost to consumers. A mentoring system is presented that can help to reduce or prevent the inventory from lost or theft. Theft is a serious concern in the...
8447666 System and method for associating financial transaction data with user's project data using a portable electronic device  
This invention relates to a system for viewing and manipulating a user's financial transaction data and a method for associating financial transaction data with a user's project data using a...
8447654 Determination of customer proximity to a register through use of sound and methods thereof  
A method is disclosed for determining a customer's proximity to a checkout register at a store. A mobile electronic device with mobile self-checkout software thereon may record and analyze ambient...
8438066 Secure geo-fencing with multi-form authentication  
A method for authenticating a geo-fencing payment, including receiving based on a wireless protocol of the geo-fencing payment, a payment account number associated with a mobile device of a...
8438064 Payment processing system for use in a retail environment having segmented architecture  
A payment processing system and method comprising a POS module providing an interface to effect sales of FGS in a retail environment, a device module operatively connected to at least one retail...
8438065 Point of sale computer system delivering composited two- and three-dimensional images  
A point of sale computer system that allows a customer to select and consummate a sale himself. The system may include graphics storage media configured to store two- and three-dimensional graphics...
8438063 Mobile payment using picture messaging  
Systems and methods are disclosed for mobile payment using picture messaging to deliver an image with an encoded payment key. A mobile device equipped with at least a display and an input is used...
8433471 Pre-filling vehicle data check  
A pre-filling vehicle data check method and system are disclosed herein. One example of the method includes receiving, at a financial institution, an authorization request from a filling station...
8424750 Authorization system  
An authorization system including an authorization server, an account server for storing account data relating to a plurality of accounts and an access terminal for inputting data that identifies...
8429047 System and method for merging mobile gift cards  
A method and system for merging mobile gift cards is described. One embodiment transmits to a mobile device associated with a user a list of a plurality of mobile gift cards associated with a...
8429016 Generating an alert based on absence of a given person in a transaction  
Techniques for generating an alert based on absence of a given person in a transaction are provided. The techniques include monitoring, via video, a transaction, wherein the transaction includes...
8429086 System for location based transaction security  
A system for improving transaction security based on location information. The system includes a transaction processing center in communication with a first transaction device and a second...
8429038 Receipt visualization and receipt data applications  
Visually presenting spending behavior, spending patterns, and spending activity to a consumer across of their all receipt based purchase transactions. Receipt data is received at a first or host...
8423457 Anonymous mobile payments  
Anonymous mobile payments enable a user to make and/or receive payments without disclosing personal or private information to another party. In some aspects, a provider of a payment may request an...
8423414 Method and system for pausing, migrating, and restarting retail point-of-sale transactions  
A computer implemented method, data processing system, and computer program product for managing transactions on point-of-sale terminals comprising a peer-to-peer network in a retail data...
8423480 Image forming apparatus, billing amount determination method and billing system  
An image forming apparatus that executes a job and determines a billing amount for the job depending on a parameter value given to a parameter that relates to the execution of the job, the image...
8423415 Payment service authentication for a transaction using a generated dynamic verification value  
Methods and systems for dynamically generating a verification value for a transaction and for utilizing such value to verify the authenticity of the payment service application. The dynamically...
8412555 Methods and systems for planning configurable manufacturing capacity  
The present invention comprises methods and systems that provide manufacturing capacity configuration, allocation, and procurement plans based on manufacturing demand, operational constraints, and...
8412237 Method and system for launching and preparing applications on mobile computing systems based on geo-location data  
A user mobile computing system is provided and geo-location data indicating the position of the user mobile computing system is monitored. When an application or feature is activated or used on the...
8412580 Technology migration program  
A program by which retailers offer customers an exchange of older technology for newer technology. The older technology and newer technology have a common characteristic that facilitates the...
8407095 Method of delivering a pharmaceutical product via a medium  
One or more embodiments include a method of delivering a pharmaceutical product via a medium. The pharmaceutical product is associated with the medium and the medium assumes different values based...
8407097 Proximity transaction apparatus and methods of use thereof  
The invention is a transaction terminal configured to perform a financial transaction intermediated by an RFID bearing payment token. The financial transaction is of a general type.
8407148 Systems and methods to provide messages in real-time with transaction processing  
In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger...
8401974 Method, system, and graphic user interface for enabling a customer to access a media file  
A method, system, GUI, apparatus, and computer readable media for enabling a customer to access to a media file uploaded by a user are provided. A user profile may be generated using received login...
8401894 Online incentive management  
Various methods and systems are provided to facilitate the centralized storage and access of online incentives such as coupons redeemable at associated online marketplaces. In one example,...
8401904 Real-time payment authorization  
Novel features to be used in a proxy card payment system include a real-time request to override a declined transaction or to select a different financial account and the insertion of user...