BACKGROUND 0001 Retail establishments strive to become more effi cient by applying
different and innovative operating methods that help increase their business's financial …

US7805376B2 - Methods and apparatus for facilitating a transaction - Google Patents
US7805376B2 - Methods and apparatus for facilitating a transaction - Google Patents Methods …

US8923827B2 - Mobile payment management - Google Patents US8923827B2 - Mobile
payment management - Google Patents Mobile payment management Download PDF Info …

The transaction method is for secure payment by credit cards or debit cards for goods or
services with the use or mobile devices. The payment authorization center delivers a public …

A System and method for conducting Safe transactions for online purchases. A user
requests a temporary number with which to complete an online transaction, Such as a …

A method associated with a contactless phone. The method includes sending a balance
inquiry response message to a mobile phone. The mobile phone includes a contactless …

(56) References Cited 2007. O156515 A1 7, 2007 Hasselback et al. 2007/02O3725 A1
8/2007 Jung et al. US PATENT DOCUMENTS 2007/0219900 A1 9, 2007 MacGuire …

Abstract Systems, apparatus, and methods are provided for efficiently authorizing a
transaction initiated by a consumer. An authorization can be generated before the consumer …

(57) ABSTRACT A computerized financial transaction System encompasses payment of a
bill by a customer at an agent Site, where the agent accepts funds in payment of the bill, and …

Abstract Systems, apparatus, and methods for determining incentives based on consumer
history. When, how, and to whom incentives are sent can be determined. For example, an …