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8700448 System and method for item recommendations  
Means and a computerized method for recommending items such as books and audio compact disks. For each item, a user profile includes ratings provided by users of the system. Unlike present...
8700473 Vehicle registration dispensing system  
A method of dispensing registration that includes entering identifying information in an input module on a registration dispensing system. The identifying information is associated obtaining a...
8694021 Appending advertisements to short messaging service messages  
A system and method to append an advertisement to a Short Messaging Service (SMS) message. The system, which is implemented in a communication network with an SMS, includes two units, a first unit...
8694380 Remote transaction processing using a default payment method and coupons  
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...
8688524 Tracking online impressions to offline purchases  
Customers receive advertisements or “impressions” related to brick and mortar merchants while accessing online content. The merchants or other entities track which impressions correlate with cus...
8686887 NFC transceiver with current converter  
Exemplary embodiments are directed to near field communication A device may include a current digital-to-analog converter (DAC) configured to convey a current to an antenna in a first near-field...
8688510 Method for fee charging position usages of vehicles  
Method for charging position usages of vehicles in a road toll system including acquiring an identifier of a vehicle device, a transaction value and an identifier of a payment card as a payment...
8688525 System and method for implementing a context based payment system  
Disclosed herein is a context based payment system. Electronic currency or coupons can be made dependent on context, and the context can be one of location or geography, time, date, distance,...
8688083 System and method for providing advertisement data or other content  
A method includes providing advertisement data to a mobile device, receiving an input associated with the mobile device based on the advertisement data, and providing a credit based on the input....
8688526 Financial transaction processing with digital artifacts using a mobile communications 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...
8689110 Multi-channel user interface architecture  
A computer-readable medium, computer-implemented method, and multi-channel user interface system are provided. In one embodiment, a computer-readable medium has instructions stored thereon that,...
8682938 System and method for generating personalized songs  
An integrated system of song personalization facilitates the customization of user song lyrics and the association of multimedia content with the lyrics to generate a personalized song. The system...
8682719 Rewards program manager  
A method for managing rewards programs is disclosed. The method includes reviewing a plurality of offers from a plurality of merchants on a host site via the Internet. The offers are associated...
8682790 Method for using different billing cycles for point of sale transactions  
The present invention provides for flexibility regarding the posting of point of sale transactions to particular billing cycles within an account. Embodiments comprise posting a point of sale...
8678280 Code reading apparatus, portable terminal, and commodity information processing system  
According to one embodiment, a code reading apparatus includes an image pickup section, a detecting section, a size recognizing section, and a reading section. The image pickup section picks up an...
8682730 System and method for linked account having sweep feature  
A linked account instrument is used to access funds in an existing demand deposit account held at a financial institution. Merchant or other transactions are first processed against a demand...
8676652 Sending a counter-offer to use an alternate payment option  
In a method for sending a counter-offer in response to receiving an indication about a point-of-sale transaction, a computer receives from a point-of-sale program a point-of-sale transaction and an...
8676708 Methods and apparatus for facilitating a financial transaction  
A method is provided for authorizing a financial transaction of a consumer, comprising: issuing a card to a cardholder by a card-issuing financial institution; creating a card account associated...
8671053 Direct currency conversion  
This invention concerns direct currency conversion, that is automatic currency conversion at point of payment for card transactions. In particular it concerns a method for operating equipment...
8671454 System for secure web-prompt processing on point of sale devices  
A point of sale system including at least one proxy server having an internet connection, a web browser operative to download web pages from the internet via the proxy server, and a real time user...
8662384 Text message payment  
A computer-implemented method of effectuating an electronic on-line payment includes receiving at a computer server system a text message from a payor containing a payment request representing a...
8665229 Settlement terminal and controlling method of the same  
According to one embodiment, when a touch position on a touch panel-type display section corresponds to an image pattern for an operation, the display of the image pattern is changed to the display...
8666823 System for structured encryption of payment card track data  
A system may include a point-of-sale system that gathers payment card track data from a payment card and a payment card gateway that processes the track data to authorize purchase transactions. The...
8662389 Payment methods with a payment service and tabs selected by a first party and opened by a second party at any geographic location of the first party's mobile device  
A method of paying a second party is provided. A first party accesses the names of one or more qualified second parties. The second parties (i) have an association with the payment service, and...
8666895 Single action mobile transaction device  
Embodiments of the invention allow a user to wirelessly transmit payment information from a mobile device to a point-of-sale terminal by the user performing only a minimum number of inputs, such as...
8660956 Method and system for processing financial instrument deposits physically remote from a financial institution  
A system that includes computer hardware, computer software, apparatus, and methodology that enables individuals, businesses, and all types of organizations (both for profit and non-profit) to...
8655310 Control of secure elements through point-of-sale device  
A method of preventing identity theft is provided. The method comprises reading confidential information from a mobile terminal that is not in communication with the public wireless communication...
8650085 Web influenced in-store transactions  
In selected embodiments a repository system correlates user browsing behavior with in-store transactions involving a number of products or product categories. For example, an online portal may...
8650077 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...
8650095 System and method for online management of restaurant orders  
A system and method for online management of restaurant orders may comprise of: storing data related to a plurality of vendors; receiving a request from a client computer for vendor product;...
8650086 System for activation of multiple cards  
According to one embodiment of the invention, a system is provided for activating a plurality of cards. A first card number and a total number of cards can be provided to an activation system to...
8650504 Order receiving apparatus and order receiving method  
An order receiving apparatus includes: a display unit configured to display an order input screen including a menu item space in which operation images for receiving orders of menu items are...
8645197 Method of facilitating contact between a consumer and a requesting entity  
The invention provides a method of facilitating contact between a consumer and a requesting entity, with the method comprising the following steps. During an interaction with the consumer, the...
8645213 Transactions associated with a mobile device  
Methods and apparatus, including computer program products, for transactions associated with a mobile device. A method includes, in a merchant device linked to a server by a first network, sending...
8639577 Use of sound to authenticate and enable a return with an electronic receipt  
A method is disclosed for authenticating and enabling returns at a physical store location and based off of an electronic receipt. The electronic receipt may be viewed on a mobile electronic device...
8632004 Card processing apparatus  
According to one embodiment, includes an operation surface section, a card reader provided on one side of the operation surface section and configured to read card information, and an operation...
8635111 Touchless and touch optimized processing of retail and other commerce transactions  
A computer implemented method for reducing input performed in a commerce based application is provided. The method includes receiving a sequence of input values from an input device and associating...
8632484 Brace for arm or elbow region including angularly-displaced muscle/tendon engaging portions  
Systems and methods are disclosed for providing supplemental support to the arm and/or elbow region of an individual. In one exemplary implementation, a brace for a user's arm is provided...
8633799 Lock with remotely activated lockout feature  
A method for controlling access to a storage unit owned by an owner, wherein a renter has access to the storage unit unless the owner receives the legal right to deny the renter access to the...
8635272 Method for distributing a list of updated content to a user station from a distribution server wherein the user station may defer installing the update  
A non-transitory computer-readable storage medium having stored thereon computer-executable instructions that, in response to being executed by a computing device, cause the computing device to...
8630927 Locating and organizing digital receipt data for use in in-store audits  
The present invention extends to methods, systems, and computer program products for auditing in-store sales transactions when a digital receipt is issued. A receipt application server formulates a...
8630906 Single tap transactions using a point-of-sale terminal  
The invention describes how a consumer can hold their NFC enabled device in proximity to an NFC enabled point-of-sale terminal and with a single “wave” or “tap” to automatically redeem coupons...
8630955 Financial card system, communications device, authentication terminal, authentication method, and program  
Disclosed herein is a financial card system. The system includes a communications device on which a non-contact integrated circuit chip is installed; and an authentication terminal having a...
8630908 Distributed point of sale, electronic article surveillance, and product information system, apparatus and method  
A distributed point of sale, electronic article surveillance, and product information system. The system can include a central database and at least one integrated POS/EAS/information terminal...
8630904 Transaction authentication with a variable-type user-stored account identifier  
Each of a plurality of consumer accounts in a data store has a first consumer account identifier. Login information is received from a consumer device over the network interface device. The first...
8630896 Systems and methods wherein a security deposit facilitates a transaction in which a benefit is applied in exchange for performance of a task  
Methods, computer readable media and systems are described wherein a security deposit is used to facilitate a transaction with a customer. In an embodiment, a process includes receiving an...
8630905 Single tap transactions using a secure element  
The invention describes how a consumer can hold their NFC enabled device in proximity to an NFC enabled point-of-sale terminal and with a single “wave” or “tap” to automatically redeem coupons...
8630907 Secure transactions using a point of sale device  
Systems and methods are provided for secure transactions according to one or more embodiments. According to an embodiment, a method for providing secure transactions comprises initiating a...
8626592 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...
8626591 Methods, systems, and computer program products for storing usual order preference data for recurrent orders  
Methods, systems, and computer program products for storing usual order preferences associated with a point of sale transaction involving an identification article. In one embodiment, the method...