Various systems and methods that may relate to referral and/or delivery services are described. Some embodiments may include receiving from a user on a remote device an order for delivery of a plurality of items. Each item comprises a unique identifier. Embodiments also may include determining a location of the user; identifying at least two providers located within a radius of the user, in which each provider is capable of delivering the requested items; computing for each provider a total cost of delivery of the requested items; receive a request for a first provider to deliver the requested item; and facilitate delivery of the items.

A wireless device can store account identifiers and facilitate transactions. The wireless device can be loaded with user account identifiers and can be presented to various checkpoint devices. When presented, the wireless device can transmit a selected account identifier to the checkpoint device. In the context of a purchase transaction, the checkpoint device can be a point-of-sale terminal and the account data can be financial account data. In some instances, the wireless device can also facilitate a purchase transaction, e.g., by obtaining information about products to be purchased, constructing a purchase order from the product information, and transmitting the purchase order to a point-of-sale terminal.

In one aspect, a system (5) for facilitating procurement of a controlled or restricted item requested by a consumer via a dispensing event is disclosed. In one embodiment, the system is configured operable for enabling an authentication event in respect of the consumer's request, the authentication event involving an identifier and a characteristic associated with the identifier which provides an indication of successful verification of the consumer's eligibility to procure the controlled or restricted item. The system (5) is further configured operable for authorising dispensing of the controlled or restricted item by way of the dispensing event on a determination of the characteristic indicating successful verification of the consumer's eligibility to procure the item following acknowledgment of the identifier on presentation of same at the dispensing event.

In one aspect, a system (5) for facilitating procurement of a controlled or restricted item requested by a consumer via a dispensing event is disclosed. In one embodiment, the system is configured operable for enabling an authentication event in respect of the consumer's request, the authentication event involving an identifier and a characteristic associated with the identifier which provides an indication of successful verification of the consumer's eligibility to procure the controlled or restricted item. The system (5) is further configured operable for authorising dispensing of the controlled or restricted item by way of the dispensing event on a determination of the characteristic indicating successful verification of the consumer's eligibility to procure the item following acknowledgment of the identifier on presentation of same at the dispensing event.

Systems and methods for detecting fraud. One method includes providing an input device, the input device having processing circuitry, a memory, and at least one information receiving module for receiving information associated with a user of the input device. The method also includes providing a sensor in electronic communication with the processing circuitry. The sensor has a sensor coil, and the sensor coil is disposed proximate the at least one information receiving module. Further, the method includes flowing alternating electrical current through the sensor coil to generate a magnetic field, measuring at least one electrical characteristic of the sensor, and providing first information representative of the at least one electrical characteristic to the processing circuitry. Finally, the method includes storing in the memory second information representative of at least one predetermined value of the at least one electrical characteristic and comparing the first information with the second information.

A personalized card may be generated using a card-personalization system accessible via multiple access points on a network. In some aspects, the personalized card may include a physical card having an image selected by a user in a card-personalization process. The user may be assigned a code that may both authenticate the user to access the card-personalization system and identify a position of the user in the card-personalization process. The card-personalization process may include a selection process for selecting an image, an approval process for approving the image, and a creation process for generating the personalized card including the image.

A personalized card may be generated using a card-personalization system accessible via multiple access points on a network. In some aspects, the personalized card may include a physical card having an image selected by a user in a card-personalization process. The user may be assigned a code that may both authenticate the user to access the card-personalization system and identify a position of the user in the card-personalization process. The card-personalization process may include a selection process for selecting an image, an approval process for approving the image, and a creation process for generating the personalized card including the image.

The present invention provides self-disabling tamper evident gift cards, and methods for making and using the gift cards. The gift cards comprise a hidden lower level activation code, and an upper level activation code that is visible. The gift cards incorporate one or more features that render either the lower level or upper level, or both, activation codes unreadable once the lower level activation code is revealed. This prevents card activation at a later time after a first instance when the activation code is accessed.

Detachable payment devices capable of performing payment transactions associated with a mobile wallet of a mobile device are described. The payment device may be implemented in a variety of shapes and sizes such as, the shape of a typical payment card or a stylus/electronic pen. In order to communicate with the mobile device, the mobile wallet of the mobile device, and a POS terminal, the detachable payment device may use short range contactless transmissions. While in a docked mode, the payment device may receive payment card data from a mobile wallet of the mobile device. Additionally, while docked, the payment device may transmit payment card data to a POS terminal's receiver, thereby acting as an integrated mobile payment unit with the mobile device. When in an undocked mode, the payment device may complete contactless payment transactions without assistance from the mobile device.

Transformation of inputs including beacon inputs, Global Positioning System (GPS) inputs, captured panorama inputs, user-penned descriptive inputs, and payment-amount-specifying inputs, via components, into outputs including user device POS configuration setting outputs and/or payment-gateway-directed authorization request outputs. Further, transformation of inputs including POS scanner inputs, POS keyboard inputs, and/or POS printer-directed inputs, via components, into outputs including compliance check outputs, tagged omnibus record outputs, SKU-UPC mapping outputs, and/or convergence/correlation outputs. Additionally, transformation of inputs including older limited-capability POS software image inputs and/or newer limited-capability POS software image inputs, via components, into outputs including update directive outputs. Functionality set forth includes allowing user devices to directly communicate with payment gateways, capturing and making use of scanner-obtained data and printer-destined data in a way that does not require code alternation of already-installed POS software, and allowing software of limited-capability POS devices to be updated without sending large, full-overwrite software images.