Techniques for providing improved optical character recognition (OCR) for receipts are discussed herein. Some embodiments may provide for a system including one or more servers configured to perform receipt image cleanup, logo identification, and text extraction. The image cleanup may include transforming image data of the receipt by using image parameters values that optimize the logo identification, and performing logo identification using a comparison of the image data with training logos associated with merchants. When a merchant is identified, a second image clean up may be performed by using image parameter values optimized for text extraction. A receipt structure may be used to categorize the extracted text. Improved OCR accuracy is also achieved by applying on format rules of the receipt structure to the extracted text.

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.

A method and apparatus for improving the management of cash and liquidity of an organization utilizing a plurality of ledger accounts and a plurality of currency accounts is described. One improvement in the accuracy of the forecasts comes from the uses of individual ledger accounts. The improvements optimize the interest earnings for the cash balances in each currency account and minimizes the expenses related to funding the currency accounts. Machine learning techniques are incorporated to forecast payments, receipts, interest rates, and currency exchange rates, and then the cash is transferred or borrowed or loaned to fund the payments and utilize available cash.

A payment system including an electronic cash register associated with a physical point of sale of a merchant; and a payment acquisition device for advantageously cooperating with a payment issuing device of a client via a first link. Such a payment acquisition device transmits payment transaction messages (MSGT) to a bank server via a second link in order to implement electronic payment transactions. The payment acquisition device is configured to include a mechanism for capturing a view of any invoice issued by an electronic cash register, and the processing unit of such a payment acquisition device is configured to trigger the capture of at least one digital representation of the invoice and to automatically detect and determine therefrom the payment amount of the relevant financial transaction.

A method of identifying one or more pieces of personal data associated with a data subject based at least in part on one or more triggering action; identifying a storage location of each of the one or more pieces of personal data associated with the data subject; automatically determining that a first portion of the one or more of the pieces of personal data has one or more legal bases for continued storage; automatically maintaining storage of the first portion of the one or more pieces of personal data; and automatically facilitating deletion of a second portion of the one or more pieces of personal data associated with the data subject.

A computer-implemented method for allowing purchase of virtual gift cards includes receiving a communication indicating a gift card type and specifying a value amount. Responsive to the communication, a purchase of a virtual gift card of that type and storing that value amount is processed. This processing includes processing a payment for the specified value amount. Further, a gift card merchant application programming interface (API) capable of processing a purchase of a virtual gift card of the indicated gift card type is identified from amongst a set of such APIs. That API is used to initiate purchase of the virtual gift card. After the purchase is processed, an indication of the purchased virtual gift card is sent to a mobile computing device. The mobile computing device uses the indication to configure itself to allow transactions using the purchased virtual gift card to be initiated. Fraud detection may also be performed.

There are provided systems and methods relating to checking and confirming merchandise purchased at shopping facilities. In one form, the system includes: a shopping cart containing merchandise items to be purchased; a sales transaction database; a point-of-sales system that creates transaction records identified by transaction identifiers; and a mobile device used by an employee that includes a sensor to scan a paper or digital receipt to obtain the transaction identifier and a camera to capture images of the items in the shopping cart. The system also includes a control circuit that receives the transaction identifier, accesses the database using the identifier to determine the purchased items; analyzes the images of the merchandise items in the shopping cart and creates a computer vision receipt listing detected items; compares the purchased items with the detected items; and takes an action if there is a discrepancy.

A method for transmitting, during an electronic payment made by at least one user, at least one second identifier of the at least one user. The method is implemented by a transmitting device and includes: obtaining at least one first identifier of the at least one user from at least one electronic payment element of the at least one user, the at least one first identifier being used for the electronic payment; generating the at least one second identifier of the user, the second identifier comprising at least one datum and one portion of the at least one first identifier; and when the electronic payment has completed, transmitting the at least one second identifier to a device for managing at least one electronic proof of purchase.

A digital wallet that facilitates fast, convenient, and secure commerce using a mobile electronic device (or non-mobile electronic device) and stores information associated with transactions, such as purchase confirmations and receipts. The digital wallet can store information for use in transactions, including information associated with one or more financial accounts, user information, and shipping information. To complete an online purchase, the digital wallet can interact with a merchant's website to obtain information regarding the purchase. The digital wallet provides a user interface for the user to review and confirm the purchase information. The user interface also allows the user to select from multiple payment options, customize shipping information, or provide information requested by the merchant. The digital wallet can transmit user confirmation to the merchant's website and receive a receipt for the purchase. The digital wallet can store the receipt and synchronize the receipt with a remote storage location.

A computer-readable medium that, when executed on a server, establishes processes for providing a brand sponsorship environment, the processes including providing a computer-implemented platform establishing a sponsorship junction involving, in case 1, a set of trigger-monitorable activities defined by a set of sponsoring brands or, in case 2, a subset of the trigger-monitorable activities defined by the set of sponsoring brands.