Daniel Eckert

A customized returns manager component calculates a customized return-trust score and a per-item return value based on analysis of item data and transaction history data. If a per-user return-trust score is within an unacceptable threshold range or an item value is within an unacceptable threshold value range, a second user is assigned to assist a first user with completion of the proposed return of the selected item. If the per-user return-trust score and the item value is within an acceptable… Show more

A customized returns manager component calculates a customized return-trust score and a per-item return value based on analysis of item data and transaction history data. If a per-user return-trust score is within an unacceptable threshold range or an item value is within an unacceptable threshold value range, a second user is assigned to assist a first user with completion of the proposed return of the selected item. If the per-user return-trust score and the item value is within an acceptable threshold range, a return authorization component authorizes unassisted self-return of the selected item. An item disposition component determines in real-time whether to permit the first user to keep the selected item or instruct the first user to return the selected item to a designated item return area prior to completion of the item return based on a set of item disposition criteria. Show less

A method for authenticating an online transaction on a first computing device using a second computing device including detecting a request to process sensitive payment information input on the first computing device to complete a transaction, determining that a condition is present associated with the transaction, disabling a payment processing function of the website to prevent a payment from being processed and completed, generating a unique identifier to be displayed on the first computing… Show more

A method for authenticating an online transaction on a first computing device using a second computing device including detecting a request to process sensitive payment information input on the first computing device to complete a transaction, determining that a condition is present associated with the transaction, disabling a payment processing function of the website to prevent a payment from being processed and completed, generating a unique identifier to be displayed on the first computing device, wherein the user scans the unique identifier with a second computing device to initiate an authentication function, authenticating the user operating the first computing device, and enabling, by the processor, the payment processing function of the website to allow the payment to process. Show less

Systems, methods, and computer-readable storage media configured according to this disclosure provide money services on a money services device such as a kiosk device, tablet device, mobile device, virtual reality device, mixed reality device and the like. An application runs on the money services device and communicates with remote services to perform profile management functions such as facilitating account log-in and allowing users to log-in using mobile messaging. Other services such as… Show more

Systems, methods, and computer-readable storage media configured according to this disclosure provide money services on a money services device such as a kiosk device, tablet device, mobile device, virtual reality device, mixed reality device and the like. An application runs on the money services device and communicates with remote services to perform profile management functions such as facilitating account log-in and allowing users to log-in using mobile messaging. Other services such as verifying the user's ID via an account management service may also be provided. Show less

A computer system, computer program product, and method includes detecting a request for sensitive information to be input by a user, determining that a network is a non-secure network, disabling a sensitive user information input function to prevent the user from entering sensitive information over the unsecure network, generating a unique identifier to be displayed on the computer, wherein the user scans the unique identifier with a mobile device to initiate an automatic transaction over a… Show more

A computer system, computer program product, and method includes detecting a request for sensitive information to be input by a user, determining that a network is a non-secure network, disabling a sensitive user information input function to prevent the user from entering sensitive information over the unsecure network, generating a unique identifier to be displayed on the computer, wherein the user scans the unique identifier with a mobile device to initiate an automatic transaction over a secure network between the mobile device and the computing system, validating the user operating the mobile device and completing the automatic transaction over the secure network with the mobile device rather than over the unsecure network with the computer. Show less

Provided are check-in to checkout systems and methods. The system includes a point of sale, a display, a mobile device, and a backend system. When the POS starts a transaction, such as, but not limited to scanning an item, the POS generates a transaction/basket identification. In response to starting the transaction, the POS sends the transaction/basket ID to the display in the form of a QR code or one-dimensional barcode. The mobile device operating a mobile application scans and captures the… Show more

Provided are check-in to checkout systems and methods. The system includes a point of sale, a display, a mobile device, and a backend system. When the POS starts a transaction, such as, but not limited to scanning an item, the POS generates a transaction/basket identification. In response to starting the transaction, the POS sends the transaction/basket ID to the display in the form of a QR code or one-dimensional barcode. The mobile device operating a mobile application scans and captures the displayed code and reports to the backend systems. The backend systems then send a check-in event, which includes gathered data by the backend systems, to the POS and the POS acknowledges receipt of the message. At this point, a notification may be sent to the mobile application that the check-in was successful and a link is established far flow of information. Show less

Provided is a merchant split tender system and method. A cashier completes a scan of merchandise and enters tendering phase. The point of sale sends a the request to authorize a total dollar amount to a wallet processor. The wallet processor accesses a customer payment profile to determine if there is a split tender configuration. If there is a split tender configuration, the wallet processor determines a first account and a second account to use for providing tender for the purchase. The first… Show more

Provided is a merchant split tender system and method. A cashier completes a scan of merchandise and enters tendering phase. The point of sale sends a the request to authorize a total dollar amount to a wallet processor. The wallet processor accesses a customer payment profile to determine if there is a split tender configuration. If there is a split tender configuration, the wallet processor determines a first account and a second account to use for providing tender for the purchase. The first account and the second account to use is determined by the customer payment profile. The first account may be authorized first and then the second account may be authorized for the remaining amount. The system may also use more than two accounts. This process happens automatically based on the customer payment profile. Show less

rovided are common user experience for a mobile wallet system and methods. The system may include generally a mobile application operated on a mobile device, a mobile backend, a wallet broker, a point of sale ("POS"), and authorizer(s). The system allows a customer to receive encoded/encrypted data by scanning a code, or by receiving a wireless message, such as a Bluetooth low energy transmission or a near field communication, regardless of the mobile application or operating system. Mobile… Show more

rovided are common user experience for a mobile wallet system and methods. The system may include generally a mobile application operated on a mobile device, a mobile backend, a wallet broker, a point of sale ("POS"), and authorizer(s). The system allows a customer to receive encoded/encrypted data by scanning a code, or by receiving a wireless message, such as a Bluetooth low energy transmission or a near field communication, regardless of the mobile application or operating system. Mobile backend systems translate the messages so the customer does not have to do something different for different mobile applications. The system may alternatively allow a cashier to scan a participating mobile application's code such as a QR code/barcode. Mobile backend systems determine which wallet to communicate with and does so on the POS behalf. The POS is isolated from complexities of integrating with different mobile applications and corresponding backend systems. Show less

Provided are a re-using e-commerce payment instruments for in-store purchasing systems and methods. A customer enters a check out and a transaction at the point of sale is started. The system receives a pairing request at a wallet processor from a customer mobile device operating a mobile application. This pairing request is created and sent in response to scanning of a code having a transaction identification. The system associates a customer payment profile with the transaction identification… Show more

Provided are a re-using e-commerce payment instruments for in-store purchasing systems and methods. A customer enters a check out and a transaction at the point of sale is started. The system receives a pairing request at a wallet processor from a customer mobile device operating a mobile application. This pairing request is created and sent in response to scanning of a code having a transaction identification. The system associates a customer payment profile with the transaction identification and sends associated information to the point of sale. The point of sale sends an amount of sale to authorize to the wallet processor after completing scanning of items. The system creates an authorization for payment and sending the authorization for payment to an authorizer. The transaction may then be completed by processing payment. Show less

Systems and methods for the generation of user identification strings (UIS) used with multi-function operation vehicles are provided. In some embodiments, a system for activating a user operation vehicle can include an activation portal, a verifier and a UIS generator. The activation portal can request a base UIS and a vehicle code identifying a user operation vehicle be supplied by a user. Then, using an encryptor and a communications module, the activation portal can generate an encrypted… Show more

Systems and methods for the generation of user identification strings (UIS) used with multi-function operation vehicles are provided. In some embodiments, a system for activating a user operation vehicle can include an activation portal, a verifier and a UIS generator. The activation portal can request a base UIS and a vehicle code identifying a user operation vehicle be supplied by a user. Then, using an encryptor and a communications module, the activation portal can generate an encrypted base UIS and communicate the encrypted base UIS and the vehicle code to the verifier. The verifier can then authenticate the user and identify functions that are linked to the user operation vehicle. The UIS generator can include a decryptor and a UIS generation module to generate a unique account-specific UIS from the encrypted base UIS for each account linked to the user operation vehicle by modifying the base UIS. Show less

Embodiments of the present invention provide a user station or input medium allowing a user to view available functions and to enter selection information for requesting the association of one or more functions with a user operation vehicle. A verifier, responsive to the user station or input medium, can be provided to determine based upon a set of pre-determined rules, whether the user is entitled to the selected functions. A linkage generator can be provided to associate a user operation… Show more

Embodiments of the present invention provide a user station or input medium allowing a user to view available functions and to enter selection information for requesting the association of one or more functions with a user operation vehicle. A verifier, responsive to the user station or input medium, can be provided to determine based upon a set of pre-determined rules, whether the user is entitled to the selected functions. A linkage generator can be provided to associate a user operation vehicle with the selected functions after they have been verified by the verifier. A reward function may also be combined with one or more of the functions associated with the user operation vehicle. Interoperability can also be provided between functions on a user operation vehicle based on a pre-determined set of rules. The interoperability between functions may be bidirectional. Show less

Embodiments of the present invention provide a user station or input medium allowing a user to view available functions and to enter selection information for requesting the association of one or more functions with a user operation vehicle. A verifier, responsive to the user station or input medium, can be provided to determine based upon a set of pre-determined rules, whether the user is entitled to the selected functions. A linkage generator can be provided to associate a user operation… Show more

Embodiments of the present invention provide a user station or input medium allowing a user to view available functions and to enter selection information for requesting the association of one or more functions with a user operation vehicle. A verifier, responsive to the user station or input medium, can be provided to determine based upon a set of pre-determined rules, whether the user is entitled to the selected functions. A linkage generator can be provided to associate a user operation vehicle with the selected functions after they have been verified by the verifier. A reward function may also be combined with one or more of the functions associated with the user operation vehicle. Interoperability can also be provided between functions on a user operation vehicle based on a pre-determined set of rules. The interoperability between functions may be bidirectional. Show less