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8838477 Method and system for communicating location of a mobile device for hands-free payment  
Certain aspects of a method and system for communicating location of a mobile device for hands-free payment may include a peer-to-peer ad-hoc network that comprises a plurality of mobile devices, a...
8839269 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...
8838481 Method and system for location based hands-free payment  
Certain aspects of a method and system for location based hands-free payment may include a network that comprises a plurality of mobile devices and a plurality of point of sale devices. A first...
8831979 System and method for anonymous processing of financial transactions  
A method for anonymous processing of a purchasing request. Initially, a text message comprising the purchasing request is received, by a processing platform, from a mobile phone. A current...
8831981 Electronic transaction record distribution system  
A point-of-sale (POS) receipt management system has a computerized appliance at the POS executing first software (SW) from a non-transitory physical medium, and a peripheral device coupled to the...
8831980 Method and system for loading and reloading portable consumer devices  
A method is disclosed. The method includes providing tender at a point of service terminal operated by a load agent, the point of service terminal being in operative communication with a payment...
8825532 Payment system and method using a mobile telephone network for charging and settlement  
A payment system and method using a mobile telephone network for charging and settlement, which comprises a user's cell phone being associated with a payment account, and the user's cell phone...
8825531 Automated self-checkout system  
The invention includes a system and method for an automated self-checkout system. The system includes a self-checkout housing, a means for inputting information, a means for receiving payment, a...
8818873 Method of operating a duty-free store at an airport with a product storage area and product pickup area  
The disclosure provides a method of operating a duty-free retail operation at an airport. The airport includes a secure zone and a non-secure zone, which are separated for passengers by a security...
8818874 System and method to authenticate products  
A system and method to authenticate products. The method includes storing identity data corresponding to products to be sold into a database, accessing the database at a point-of-sale of a product,...
8818869 Method and apparatus for managing subscriptions  
A subscription system allows a customer to establish a subscription to a product with one or more retailers (e.g., by establishing the subscription through a controller or central system). In one...
8818868 Foreign currency solution  
In general terms, the present invention relates to methods and apparatuses for providing a foreign currency solution. In some embodiments, a method is provided that includes: (a) establishing a...
8818870 Using a secure element coupled to a mobile device as a POS terminal for processing mag stripe transactions  
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...
8818867 Security token for mobile near field communication transactions  
Devices, systems, and methods are disclosed which relate to an NFC-enabled security token that is removably coupled to a mobile device. The security token may be provisioned with the information by...
8812366 Automatic generation of change orders  
A method for automatically generating change orders may be performed at a point of sale system. The point of sale system may determine an amount of funds in the point of sale system and whether...
8812367 Adjustment of a security level of a transaction system based on a biometric characteristic of a customer  
Methods and systems for adjusting a security level of a transaction system based on biometric characteristics of a customer are disclosed. According to an aspect, a method includes interacting with...
8812402 Methods, apparatus and articles for use in association with token  
In some embodiments, a method comprises receiving a request from a customer to temporarily associate a token issued to the customer with a payment account associated with the customer, and...
8805326 Payment transactions on mobile device using mobile carrier  
A user makes a purchase request through a merchant app on a mobile device, such as by selecting an item for purchase. A mobile SDK of a payment provider is installed in the merchant app. The...
8805726 Online shopping using NFC and a mobile 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...
8805725 Payment vehicle recommendations based on payment rules  
Systems and methods for providing payment vehicle recommendations are provided herein. In the systems and methods, a transaction associated with one of a transaction amount and purchase items is...
8799088 System and method for verifying user identity information in financial transactions  
A system and method for verifying a user's identity during a point-of-sale transaction are provided. The system and method provide for applying for, receiving and verifying a financial services...
8799171 Secure online banking transaction apparatus and method  
A secure online banking transaction apparatus to communicate with a server over a non-secure connection is provided and includes a selector configured to allow for a selection of a mode of the...
8799084 Electronic payment application system and payment authorization method  
The system contains a virtual POS terminal's unit in the user's personal device. The mobile communication device (1) contains a virtual POS terminal's unit (4) and also a removable memory card (3),...
8799085 Redeeming coupons using NFC  
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...
8799087 Systems, methods, and computer readable media for utilizing one or more preferred application lists in a wireless device reader  
The subject matter described herein includes systems, methods, and computer readable media for utilizing one or more preferred application lists in a wireless device reader. A transaction terminal...
8799091 POS terminal and control method  
According to one embodiment, a POS terminal includes a printer, a display, a screen display section, a selection operation input section, and an issue section. The printer prints and issues a...
8799162 Pass-through payment system  
The invention provides a computer system and method for managing electronic transactions. A plurality of consumer accounts stored in the data store. A payment source storing module stores a...
8788349 Mobile payment using picture messaging  
A mobile device equipped with at least a display and an input is used to connect to a server on the mobile network. Upon authentication of a user of the mobile device, the server generates the...
8788348 Combination game controller and point of sale input device  
An apparatus generally directed to a combination tablet computer and game controller. The tablet computer provides a plurality of sides, in which each of the sides are disposed between an...
8788351 Point of sale tax reporting and automatic collection system with tax register  
A point of sale tax reporting system including a smart tax register located at a retailer location. The retailer smart register processes consumer transactions and calculates the amount of sales...
8788347 Reminder calendaring based on receipt data  
A computer-implemented method is disclosed for calendaring reminders. Within the method, one or more point-of-sale transactions may be conducted. The transactions may involve a computer system and...
8781904 System and method for transponder-enabled account transactions  
A transponder-initiated transaction system is electromagnetically coupled to an account transponder device at the point of sale. The account transponder device may be embedded within a watch, key...
8781973 Event marketing automated system  
In a method of processing customer applications at an event, an application is received from a customer on a customer interface computer. The data in said application is verified on the customer...
8781903 Handheld order unit and cash handling device  
Methods and devices allow a handheld order unit to be used with a cash handling device. A handheld order unit may be used by a staff person to enter order information, to display an amount due for...
8781908 Method and apparatus for automated shopper checkout using radio frequency identification technology  
A method and apparatus involve: providing a plurality of products that are each associated with a respective radio frequency identification tag; using radio frequency identification technology to...
8781905 System and method for transponder-enabled account transactions  
A transponder-initiated transaction system is electromagnetically coupled to an account transponder device at the point of sale. The account transponder device may be embedded within a watch, key...
8781906 Systems and methods for managing consumer transaction-based investments  
The field of the invention relates to systems and methods for controlling investment funds, and more particularly to systems and methods for real-time projections based on consumer transactions. In...
RE45006 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...
8774837 Methods, systems and apparatuses of emergency vehicle locating and the disruption thereof  
A system for determining the location of at least one vehicle, the at least on vehicle emitting a detectable signal. The system comprising at least one mobile or stationary detection device that...
8768775 Methods and systems for automated product registration  
Systems, methods and articles for automating the process of registering a product purchased by a consumer from a merchant in a purchase transaction. Product data including product identification...
8768836 System and method for electronic deposit of a financial instrument by banking customers from remote locations by use of a digital image  
A system and method for initiating a deposit transaction, where the depositor is a banking customer located at a remote location, and where the item to be deposited is a financial instrument, such...
8768829 System and method for providing transactional credit  
System and method for a second credit card issuer to provide transactional credit to a credit cardholder of a first credit card issuer, when the cardholder's account with the first issuer is in...
8762209 Products and processes for promoting multiple transactions at a retail establishment  
According to an embodiment of the invention, products and processes are disclosed for receiving, via a point-of-sale terminal that is not a vending machine, an indication of a set of products which...
8762185 Travel expense automation  
A method of monitoring the expenses of a traveller during the progress of an itinerary utilises NFC for carrying out the financial transactions associated with the itinerary and updates a corporate...
8762207 Apparatus, system and method for controlling the flow of customers  
An apparatus, system and method are presented for controlling the flow of customers using self-service terminals. It is possible for self-service terminals to receive and process customer orders...
8762288 Methods and systems for establishing an identity confidence database  
The invention provides various systems and methods for establishing an identity confidence scoring system. The method includes gathering identity information about the customers from physical...
8762210 Alternative payment implementation for electronic retailers  
A system and method process a transaction between a merchant and a consumer at a point of sale (POS). Transaction information for the transaction is received from the consumer at the POS. The...
8756105 Point of service transaction managaement for service facilities  
The present invention enables the collection by credit/debit card payment of customer co-pay and self-pay charges via an integrated point-of-service transaction management system and method. The...
8755496 Method and apparatus for providing special call handling for valued customers of retailers  
The present invention enables users of a network service to register with the network as valued shoppers, thereby allowing them to receive specialized treatment when calling registered retailers....
8756106 Remote ordering system  
A remote ordering system is provided using an electronic menu having a series of input devices associated with various menu items, and a wireless transmitter to send selected menu items to a...