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8515824 Negotiation of product purchase with an electronic device  
In accordance with one or more embodiments of the present invention, methods and systems disclosed herein provide for negotiating product purchase with an electronic device. An example method...
8515815 Management system and method for personal per-card use subaccount transaction financial management  
A computer system for processing purchase transaction payments with user oriented personal financial management support having a database with primary accounts each with a plurality of subaccounts...
8515836 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...
8515872 Methods and apparatus for preventing fraud in payment processing transactions  
A method includes receiving an authorization request for a purchase transaction, and determining whether the authorization request arose from proximity-reading a proximity payment device. The...
8510170 Powering a point of sale printer and coupon printer from a shared power supply  
A point of sale (POS) system includes primary and auxiliary printers powered by a shared power supply. A POS terminal includes the shared power supply, a user interface, and a host including a...
8510168 Client relationship management and product distribution system and method  
A method of distributing hair care or cosmetic products where a salon owner, stylist or booth renter can procure hair care or cosmetic products including hair dyes from a vending device located...
8510228 Transfer method of electronic cash  
A card to card transfer method used in the financial system is provided in the present invention, and comprises an initializing step, a transferring step and a transaction confirming step, wherein...
8505820 Card reading device for transaction system  
A non-magnetic card reader, a magnetic card reader and a card transaction method are provided to selectively read a magnetic card and a non-magnetic card for identification of payment transaction...
8510162 Loyalty host interface  
The present invention relates to translating loyalty requests between loyalty clients and loyalty hosts. For example, one embodiment of the present invention provides a method for translating...
8505815 System and method for processing expiration dates for prepaid cards  
A prepaid card processing system is operable for processing customized expiration dates of prepaid cards. The prepaid card processing system includes a database for storing program expiration...
8504430 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...
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...