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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...
8396747 Identity theft and fraud protection system and method  
A system and method for preventing personal identity theft when making online and offline purchases requires a purchaser to first subscribe and become a member user by registering and providing...
8396748 Activating licensable component of consumer electronic device at point of sale  
A purchaser of a CE device informs a retail clerk, at the point of sale (POS) of features of the CE device the purchaser wishes to employ, some of which require a license. The CE device is vended...
8392259 Methods and apparatus to obtain transaction confirmation  
Methods and apparatus to obtain transaction confirmation are described. One example method includes emulating a payment method using a close-proximity communication device of a mobile device,...
8392330 Transfer account systems, computer program products, and computer-implemented methods to prioritize payments from preselected bank account  
A financial institution computer maintains one or more lists of account identifiers for accounts enrolled in a prioritized payment program including pre-authorization of certain payment requests by...
8392258 Receipt management system  
A receipt management system receives receipt data including biometric data which is issued when a product is purchased at a store, and judges whether or not biometric data that coincides with an...
8392261 Local shopping and inventory  
Estimating product inventory comprises determining a rate of sales events for a product and an amount of time that has elapsed since a previous product availability estimate from the product. Then,...
8386386 Phone usage pattern as credit card fraud detection trigger  
A credit card fraud reduction system is disclosed. The system comprises a computer system and an application. The application, when executed on the computer system, applies increased credit card...
8380129 Contactless reader for mobile phone for online electronic transaction  
The various embodiments herein provide a Mobile Phone Contactless Reader (MCR) for reading a unique mobile subscriber identification number (UMSIN) associated with Subscriber Identity Module card...
8380573 Document processing system  
A document processing system comprises an input receptacle for receiving documents. A transport mechanism receives the documents from the input receptacle and transports the documents past an image...
8374916 Secure mobile-based financial transactions  
Devices, systems and methods are disclosed which relate to securing payments from a mobile communications device. In exemplary embodiments, a mobile communications device communicates with a...
8370066 Methods and apparatus for travel information  
Systems and techniques for providing travel information. An information terminal offers a user an opportunity to select to receive travel information. Upon such a selection by the user, selections...
8370262 System and method for performing secure online transactions  
The system and method performing secure online-transactions based on challenge/response procedures executed by a terminal of at least one customer and by a terminal of a service provider, such as a...
8364545 System and method for pairing food with wine  
A system for pairing food from a food menu with wine from a wine menu includes a host machine and computing device(s). A method uses the host machine and computing device (s) to conduct the...
8364543 Weight detection for cashier checkout terminals  
Weight detection mechanisms for cashier checkout terminal are provided. When a transaction by a customer concludes at a cashier checkout terminal, a check is made to determine if a product was left...
8364544 Comprehensive online bidding and sales management system for merchant processing services  
A comprehensive online bidding and sales management system and method for merchant processing services of global credit card transactions. Merchants using the system can obtain multiple bid...
8359274 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...
8359239 Method and apparatus for tracking mobile transactions  
A method to submit transaction data using a mobile device involves obtaining a receipt associated with a financial transaction, transmitting a message, based on the receipt, from the mobile device...
8355993 Authentication of an end user  
A method and system for authenticating an end user. A first pattern of colored quadrilaterals is generated. A second pattern of multiple colored nodes that include a first subset of nodes is...
8352323 Conducting an online payment transaction using an NFC enabled mobile communication device  
A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of...