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"Transmission of documents via telephone wires is possible in principle, but the apparatus required is so expensive that it will never become a practical proposition."
Dennis Gabor, British physicist
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| Application No. | Application Title | Issue Date |
| 20120109762 | METHOD AND APPARATUS FOR PROVIDING MOBILE PAYMENT THROUGH A DEVICE USER INTERFACE An approach is provided for facilitating the purchase of items at a point-of-sales terminal based on barcode information presented by a wireless communication device. Barcode information is received at a point-of-sales terminal as obtained from a wireless communication ... | 05/03/2012 |
| 20120109826 | TECHNIQUES FOR CONDUCTING SINGLE OR LIMITED USE PURCHASES VIA A MOBILE DEVICE A customer uses a mobile device to acquire a mobile app thereon. The mobile device is configured by a cloud-based service to escrow one or more card numbers mapped by a financial facility to the customer's primary account's number. Further security limitations can be co... | 05/03/2012 |
| 20120109764 | 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 designates compatible application identifiers, where each of the compatib... | 05/03/2012 |
| 20120109693 | RECEIPT INSURANCE SYSTEMS AND METHODS Receipt insurance systems and methods provide protection to consumers against losses which may result from failure to possess a physical receipt or proof of purchase for retail purchase transactions. In one embodiment, a third party receipt insurer insures or guarantees... | 05/03/2012 |
| 20120109763 | Mobile Charging of Electric Vehicles Off the Electric Power Grid A system and method are disclosed that provide mobile electric power to one or more electric vehicles without drawing electricity from the electric power grid. The system may include a transportation vehicle, a combustion engine coupled to an electric generator, and a c... | 05/03/2012 |
| 20120109761 | APPARATUS, METHOD AND SYSTEM FOR A POINT OF SALE TERMINAL An apparatus, system and method are presented for a point of sale terminal including a scanner. A display device, a printer device and a magnetic strip reader device are connected to the scanner. A processor in the scanner executes software that causes the processor to ... | 05/03/2012 |
| 20120072296 | METHODS AND SYSTEMS FOR INITIATING A FINANCIAL TRANSACTION BY A CARDHOLDER DEVICE A method and system for processing a financial transaction initiated by a cardholder with a merchant. The cardholder initiates the transaction using a cardholder input device and transmits an authorization request message including transaction data received by the cardh... | 03/22/2012 |
| 20120047034 | AUTOMATED SALES TAX PAYMENT SYSTEM A computer-implemented transaction processing system includes a card reader and a plurality of modules each comprising code that executes in the processor. The card reader transfers credit card data from a credit card of a customer to a memory of the computer. A check p... | 02/23/2012 |
| 20120041815 | Wallet Consolidator to Facilitate a Transaction A wallet consolidator to warehouse information pertaining to at least one card and to retrieve the warehoused information to facilitate a transaction is provided. An embodiment of a Wallet consolidator can include a housing, one or more input devices positioned to recei... | 02/16/2012 |
| 20120016758 | SYSTEM, METHOD, AND APPARATUS TO FACILITATE COMMERCE AND SALES A system and method for conducting commerce and sales operations is disclosed. A sales representative identifies a customer, chooses a product, and completes a sales transaction using a front-end POS software application. The sales data is transferred to a central stora... | 01/19/2012 |
| 20120016759 | POINT OF SALE DATA COLLECTION A point of sale (POS) data collection system includes a POS data collector that is implemented as a hardware device and/or in software. The collector may be installed at the point of sale in retail stores, for example, between a barcode scanner and the POS application r... | 01/19/2012 |
| 20120016731 | MOBILE SYSTEM AND METHOD FOR PAYMENTS AND NON-FINANCIAL TRANSACTIONS A method and system for mobile commerce, communication, and transaction processing to real-world POS. web, e-commerce, virtual terminal, mobile personal digital assistant, mobile phone, mobile device, or other computer based transactions involving either one or both fin... | 01/19/2012 |
| 20120011011 | 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 the final two digits of this number are variable according to a formula wh... | 01/12/2012 |
| 20120011012 | 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 sold to an individual that owns a transaction card through which access to ... | 01/12/2012 |
| 20120011010 | SECURE SYSTEM AND PROCESS FOR IDENTIFICATION AND IDENTITY REGISTRATION An identification and registration system including a scanner (J) for making a digital copy of an identity document (K), a server (A), transmission means for transmitting said digitized copy, character recognition means (E) for extracting from said digital copy informat... | 01/12/2012 |
| 20120011009 | 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 includes: requesting and receiving, at a mobile device, a transaction identifier f... | 01/12/2012 |
| 20120004972 | SYSTEM AND METHOD FOR INTEGRATING NEAR FIELD COMMUNICATION DEVICES WITH LEGACY CUSTOMER LOYALTY SERVICES A tag correlation server enables customer loyalty services to be provided to consumers using near field communication (NFC) devices. The tag correlation server receives a tag ID of an NFC tag fixed to a mobile device of a consumer from a point-of-sale device of a busine... | 01/05/2012 |
| 20110320294 | ACTIVE BUDGET CONTROL A system and method that assists a customer with budgeting includes receiving, at a processor, customer input indicating the customer's desire to create one or more budgeting accounts each defined to correspond with one or more items included in a customer spending budg... | 12/29/2011 |
| 20110320295 | RADIO FREQUENCY IDENTIFICATION (RFID) PAYMENT TERMINAL WITH DISPLAY-EMBEDDED RFID ANTENNA The subject matter described herein includes an RFID payment terminal with a display-embedded antenna. According to one aspect, an RFID payment terminal with a display-embedded antenna includes a display for graphically displaying payment information to a user. An RFID ... | 12/29/2011 |
| 20110313873 | Form Factor Identification A payment device, method, and apparatus configured to determine the form factor of the payment device used in a financial transaction, without requiring a different primary account number for each payment device form factor.... | 12/22/2011 |
| 20110301973 | METHOD OF DELIVERING GOODS AND SERVICES VIA MEDIA RELATED APPLICATIONS A method of delivering goods or services via an encoded medium to a holder includes generating data in a database associated with a central computing station in response to an assignee of the medium and a provider of goods or services separately communicatively linking ... | 12/08/2011 |
| 20110295415 | REMOTE TRANSACTION SYSTEM UTILIZING COMPACT ANTENNA ASSEMBLY A remote transaction system for contactless payment and user identification at dispensers, payment terminals, kiosks, or points-of-sale is provided. The remote transaction system comprises a compact assembly, a control system, and communications electronics. The compact... | 12/01/2011 |
| 20110288944 | Method for Paying Invoices For an organization having a central station and a plurality of distributed outlets, each of the outlets having a cashier's terminal, each of the cashier's terminals coupled to a respective point-of-sale (POS) controller, a method permitting a billee to pay an invoice i... | 11/24/2011 |
| 20110276419 | SYSTEM AND METHOD FOR PAYMENT BETWEEN A HAND HELD` DEVICE AND A MERCHANT DEVICE A system which has a hand held device with an application program. The hand held device allows a merchant device to locate the hand held device. The merchant device has an application program wherein the merchant device allows the merchant device to locate the hand held... | 11/10/2011 |
| 20110276420 | CASH CARD SYSTEM A method includes entering transaction data into a point of sale (POS) terminal. The POS terminal is operable with a number of payment applications. An integrated circuit (IC) card is interfaced to the POS terminal. The IC card stores data objects that correspond to the... | 11/10/2011 |
| 20110270694 | Device ID and Financial Information A method including sending a device ID and financial information associated with a user of a device to a transaction device in response to receiving a transaction request from the transaction device, configuring an image capture device to capture an image of the user an... | 11/03/2011 |
| 20110270682 | Solar panel wind turbine communication server network apparatus method and mechanism The method included herein is an alternative energy wireless solar panel wind turbine communication server appliance node mechanism with built in communications server array, wireless energy and communications mechanism with protection, sharing, storage, accessing, auth... | 11/03/2011 |
| 20110258123 | DEVICES, SYSTEMS, AND METHODS FOR TOKENIZING SENSITIVE INFORMATION Devices, systems, and methods for tokenizing sensitive information are provided herein. Methods may include the steps of receiving sensitive information via an input device, the input device being communicatively coupled to a transaction terminal, tokenizing the sensiti... | 10/20/2011 |
| 20110251910 | Mobile Phone as a Switch Embodiments of the streamlined payment system described herein are directed to a consumer mobile device (e.g., a mobile phone) that sends transaction details for authorization, instead of the merchant sending the transaction details for authorization. This eliminates th... | 10/13/2011 |
| 20110251909 | CREDIT CARD PAYMENT SYSTEM FOR HANDLING NUMEROUS PAYORS A method, apparatus, computer system and computer program product for managing a plurality of credit card payments over a communications network is disclosed. The apparatus of the present invention includes a plurality of slots, each allowing for insertion of a card. Ea... | 10/13/2011 |
| 20110246372 | SYSTEM AND METHOD FOR POINT-TO-POINT ENCRYPTION WITH ADJUNCT TERMINAL A system for point-to-point encryption is provided. A card reader system reads unencrypted card data stored on a magnetic stripe of a card and encrypts the card data, the card reader system being contained in a first housing. A point of sale device coupled to the card r... | 10/06/2011 |
| 20110246316 | Transaction Pre-Processing with Mobile Device A system and method of pre-processing a transaction using a mobile device are presented. The system and method may include beginning a transaction at a mobile device. Beginning the transaction may include receiving transaction information at the mobile device. The trans... | 10/06/2011 |
| 20110246317 | SYSTEM AND DEVICE FOR FACILITATING A TRANSACTION THROUGH USE OF A PROXY ACCOUNT CODE The present invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. Specifically, the device is configured to meet the physical and electrical specification for commercially available mobil... | 10/06/2011 |
| 20110238512 | Method and Apparatus for Showroom Sales A method and system is provided for making store sales at a location remote from a sales counter in the store. A mobile computer device is used as a point-of-sale device to scan a product bar code identifier, to display product information associated with the product id... | 09/29/2011 |
| 20110238511 | FUEL DISPENSER PAYMENT SYSTEM AND METHOD A system and method for effecting payment transactions comprising a card reader configured to encrypt a first portion of payment card data received by the card reader from a payment card according to a first encryption scheme associated with the financial institution re... | 09/29/2011 |
| 20110238517 | User Profile and Geolocation for Efficient Transactions Techniques for providing friction-free transactions using geolocation and user identifiers are described herein. These techniques may ascertain a user's location based on a location of a mobile device. A transaction between the user and a merchant may be completed with ... | 09/29/2011 |
| 20110231270 | PAYMENT SYSTEMS AND METHODOLOGIES A transaction system including at least two transaction communicators, at least one of which is a mobile communicator, at least one of the at least two transaction communicators having sequential visually sensible indicia generation functionality operative to generate a... | 09/22/2011 |
| 20110231268 | ONLINE BARCODE DIRECTORY AND SYSTEMS FOR FACILITATING TRANSACTIONS UTILIZING THE SAME An online directory of people, businesses and products which is accessible by a user is described herein. Each person, business or product may be associated with a unique visual identifier such as a barcode which facilitates transactions between the parties. Moreover, t... | 09/22/2011 |
| 20110231269 | Method for Recipient Orientated Financial Services A method allowing a first person to provide a “virtual” gift to a second party is disclosed, referred to as a “credit gifting” system, wherein the first person accesses an application allowing predetermined aspects of the gift, such as the retailer, store, produ... | 09/22/2011 |
| 20110225058 | MESSAGING INCLUDING VALUE ACCOUNT CONVERSION A system, method, and computer-readable storage medium configured to facilitate, for example, point-of-sale check approval in real-time. The system converts a demand type payment transaction into a payment card transaction. A cardholder database contains a cardholder re... | 09/15/2011 |
