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8615439 Processing online transactions  
Disclosed are systems and methods for managing transactions in which an order is specified online and payment is received at a point of sale (POS). Methods are disclosed for managing payment for...
8615438 Time-dependent response to user-determined unauthorized transaction  
A system and method is described for alerting authorities or taking other corrective authoritative action to a possibly fraudulent credit card transaction. A cardholder is notified that a...
8615437 Transaction authentication with a non-MSISDN ID and authorization by communicating with a consumer device  
A computer-based method of managing electronic transactions is described. A plurality of consumer accounts is stored in a data store, each consumer account having a first consumer account...
8612317 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...
8606881 Bookmark beacon system and method  
A bookmark beacon system comprises a computer network, a wireless network configured to enable a wireless device to access the computer network, and a bookmark beacon that transmits a bookmark...
8600842 Universal cartridge for different cash recyclers  
A cash recycler includes one or more universal cartridges storing cash which may be exchanged between different types of cash recyclers. The swapping of universal cartridges may allow for improved...
8596523 Index print with machine-readable codes  
A viewable image for selecting one or more digital images from a collection of digital images includes a plurality of representative images representing corresponding digital images in the...
8600817 Using alerts to bring attention to in-store information  
A method and system is provided that uses alerts to bring in-store information that is of interest to the attention of team members working in a retail store. To send an alert to a team member...
8595137 Bankcard cash disbursements at casinos  
A method for processing cash advance transactions in a casino having an authorized MCD processor and, in particular, for processing non-service fee/surcharge transactions as Manual Cash...
8595048 Method and apparatus for providing a benefit during a transaction for use during a later transaction  
A method and apparatus for allowing a customer to purchase or otherwise receive a benefit during a first transaction that will be redeemed by the customer or provided to the customer at a later...
8595074 System and method for activating or changing the status of an account associated with a prepaid card  
A system and method for activating and funding prepaid cards at the point of sale by making innovative use of existing point-of-sale devices and existing credit/debit card acceptance networks and...
8589238 System and architecture for merchant integration of a biometric payment system  
A system and method for performing authentication are disclosed. The system may include a shared central processing server, a plurality of software components each residing in a corresponding...
8589948 Method and apparatus for message flow and transaction queue management  
Management of transaction message flow utilizing a transaction message queue. The system and method are for use in financial transaction messaging systems. The system is designed to enable an...
8589237 Online purchase from a mobile device using a default payment method  
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...
8589267 System and method for re-distributing and transferring mobile gift cards  
A system and method for re-distributing and transferring mobile gift cards is described. One embodiment, a computer-server-based method, receives a selection of a particular mobile gift card...
8589236 Mobile payment station system and method  
A mobile device is used to initiate and execute a transaction between a customer and a merchant. A mobile device is used to initiate a point of sale transaction, wherein a merchant ID is sent to a...
8583749 First party advertisement serving  
Adservers with the ability to access advertiser cookies and vice versa when both are serving from the advertiser's domain are provided, thereby avoiding the overhead and delay in backend cookie...
8583492 Check processing and funds verification  
A system and method of verifying sufficient funds in an account associated with a negotiable instrument, such as a check, money order, traveler's check, and the like, received for payment is...
8583494 Processing payments at a management server with user selected payment method  
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...
8583499 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...
8583493 Payment terminal using a mobile communication device, such as a mobile phone; a method of direct debit payment transaction  
A payment terminal using a mobile communication device, such as a mobile phone, is located on a removable memory card (1) which is adjusted in such a way so it can be inserted into an additional...
8583497 System for eliminating coins from cash transactions  
A method and system for eliminating a need for coins in cash transactions in most currencies includes a comparison of a sum of a fractional dollar amount of an original transaction amount of a...
8577729 Self-checkout terminal  
An article code reading device optically reads a code symbol on an article, and decodes and outputs an article code. An image pickup image part picks up an image of an area of an article, the code...
8577810 Secure mobile payment authorization  
A method to authorize a mobile payment for a transaction. The method includes receiving a facial image of a consumer who requests the mobile payment for the transaction using account information...
8577728 Display system  
A display system 10 for displaying information at a point of product display in a retail outlet comprising a communicator 12 for transmitting display information to a remote display module 18, the...
8577727 Advance order system  
A system includes a master device and a slave device. The slave device is configured to provide a customer waiting to be seated at a restaurant with menu information for the restaurant, receive at...
8571937 Dynamic payment optimization apparatuses, methods and systems  
The DYNAMIC PAYMENT OPTIMIZATION APPARATUSES, METHODS AND SYSTEMS (“DPO”) transform requests for on-demand and flexible monetization and related services via DPO components into currency...
8571939 Two phase payment link and authorization for mobile devices  
Aspects of the invention are directed to a two phase payment link and authorization method and system for mobile devices. A method for payment and authorization according to an embodiment...
8571995 Purchase transaction system with encrypted payment card data  
Systems and methods are provided for securing payment card information. A user may present a payment card such as a credit card to point-of-sale equipment. The point-of-sale equipment may encrypt...
8566168 Electronic payment using a proxy account number stored in a secure element  
A near field communication payment method using a proxy account number. The method comprises transmitting a proxy account number from a secure element of a mobile phone to a point-of-sale terminal...
8566245 Generating and using network data to provide a content customization service  
A system is configured to receive a request for a customization packet associated with a user device; retrieve data associated with the device; encode portions of the network data using a group of...
8566167 System and method for using data points collected from a customer to provide customer specific offerings  
A retailer computer system receives from a first computing device a shopping recap having data indicative of one or more products that were shown to a customer by the sales associate while the...
8560392 Managing consistent interfaces for a point of sale transaction business object across heterogeneous systems  
A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by...
8560454 Systems and methods for providing users with customized renewal policies  
A computer-implemented method for providing users with customized renewal policies may include 1) determining that a license for a software product installed on a user's computing system has...
8560381 System and method for elections and government accountability  
A method for a voter to vote using an electoral system. An electoral system includes a computing system for accessing a database having first and second data sets correlated to a roster of...
RE44541 ***WITHDRAWN PATENT AS PER THE LATEST USPTO WITHDRAWN LIST***
Method and system for accumulating marginal discounts and applying an associated incentive upon achieving threshold
 
A method for customer promotion includes sequentially processing each of a plurality of items in a customer order. The price of each item is accumulated after processing. A marginal discount...
8558685 Remote display tamper detection using data integrity operations  
Methods and systems for detecting tampering of a remote display. According to one method, a first data integrity result is generated by performing a first data integrity operation on display data...
8554631 Method and system for determining point of sale authorization  
According to an embodiment of the present invention, an automated computer implemented method and system for determining authorization for a point of sale transaction, wherein the method is...
8554648 Information model for property records management  
An information model for a party and property records management system includes a legal party role object for maintaining relationships between objects, such as legal party objects and...
8554690 Techniques for using media keys  
Techniques for processing media data. Techniques are provided for using media keys that have been created for media data. A media key may be used to access media data for which the media key has...
8548857 Method and system for detection of credit card fraud  
A method and system for detecting and preventing the fraudulent use of credit/debit cards. A number, referred to as a pre-stored Card Identity Key, is typically four or five digits in length, and...
8548926 Method and apparatus for global replacement card services  
A prompt-response card issuing system providing temporary financial transaction cards includes a communications module, a personal account number (PAN) mapping module, and a security measure...
8545229 Methods and apparatus for online auctions and market-places utilizing program terms  
An on-line market-place includes an auction wherein one or more predefined terms, qualities, incentives, or other such indicia (generally, “Program Terms”) are associated with the particular...
8548859 Point of sale network router  
Systems and methods are provided for routing data. A device is provided that includes a first data port configured to be coupled to a printer port of a point of sale system, a second data port...
8543510 Pre-sale data broadcast system and method  
In one embodiment, a method for promoting the sale of a substitute product at the point of sale (POS). Upon the presentation of an original product for purchase by a consumer at a POS terminal,...
8543461 Systems and methods for removing point of sale processing from PCI scope  
The methods and systems described herein provide for processing payments at a retail location whose infrastructure has been significantly removed from PCI scope. A request for processing payments...
8538888 Method for generating a secure copy of media data  
A system for transferring verified media data. The system comprising: an item of content storing the media data, and having an associated serial number; a computing device including a first...
8538819 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...
8538818 Integrated computer and store transaction system (ICASTS)  
A store transaction system that can determine what a store should be making each day if all the customer transactions were entered into the stores point of sale computer. The store transaction...
8538890 Encrypting a unique cryptographic entity  
A method of encrypting a unique cryptographic entity (UCE), where a client device receives a global-key (GK-) encrypted UKD comprising a GK-encrypted UCE and a GK-encrypted unit key number (UKN)....