A computer-implemented system and method that includes receiving, by a messaging hub computer system, from a point of sale (POS) device of a merchant, a request to process a refund for a transaction that occurred between the merchant and a mobile device of a payor, the request comprising a previously used code that was exchanged between the POS device and the mobile device. The method includes determining, by the messaging hub computer system, a first financial institution based at least partially on a portion of the code, and receiving, from a computer system of the first financial institution, payment credential information of an account held by the payor to process the refund using the payment credential information. The method may further include transferring, by the messaging hub computer system, the refund from an account held by the merchant to the account held by the payor.

A point of sale system and method for consummating sales transactions and enabling sporting event betting. The point of sale system includes a cash register, an event server, and a customer interface. The cash register consummates point of sale transactions and accepts cash, credit and debit payments. The event server communicates with the cash register for communicating sporting event choices to the cash register. The customer interface communicates with the cash register and includes a display for displaying at least one of said sporting event choices to a customer. The customer interface includes an input module for enabling a customer to select at least one of said sporting event choices and for enabling a customer to place a wager on the selected sporting event choice. The system also includes a printer in communication with the cash register to print a transaction receipt including a description of the selected sporting event choice and the wager. The point of sale system communicates with a risk management server that calculates the odds of each wager. In one embodiment of the invention, the wager, the odds and a description of the sporting event are printed on the receipt in addition to the point of sale transactional information such descriptions of items purchased, cost of each item, subtotal, tax and total.

An approach is provided for indirectly connecting a customer's mobile smart device to computers located at a business when the customer is making a purchase at the business. The customer's mobile smart device and the business's computers communicate over the Internet with a customer interaction manager executing on an Internet server. This provides an easy to use interface for the customer and allows the customer to receive information and send requests to the business without having to wait for personnel working at the business to be available.

An approach is provided for indirectly connecting a customer's mobile smart device to a point of sale computer located at a business when the customer is making a purchase at the business. The customer's mobile smart device and the POS computer communicate over the Internet with a customer interaction manager executing on an Internet server. This provides an easy to use interface for the customer and allows the customer to receive information and send requests to the business without having to wait for personnel working at the business to be available.

A semiconductor apparatus includes a chip ID generation unit, a chip ID transmission unit and a chip stack information generation unit. The chip ID generation unit is configured to generate a chip ID signal. The chip ID transmission unit is configured to output the chip ID signal to a common line on the basis of whether another chip is electrically coupled therewith. The chip stack information generation unit is configured to be electrically coupled with the common line in response to the chip ID signal and generate a stack information signal.

A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant.

Methods and apparatuses for secure transaction management are provided. An example method may include verifying that a mobile terminal identifier is registered with an account, generating an authorization code, and verifying that the received authorization code matches the authorization code stored in association with the account, and the received customer verification number matches the customer verification number associated with the account. The example method may also include providing for transmission of a verification reply to authorize the transaction.

A payment server that includes a payment request receiving unit configured to receive a payment request code including a first partial payment code, and a payment code determination unit configured to determine a second partial payment code based on the received payment request code. The payment server also includes a payment code generation unit configured to generate a payment code based on the first and second partial payment codes, the payment code being payable by a user.

Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers.

A method of payment terminal operation, including: receiving a payment collection request for a payment from an application, generating a payment initiation request for the payment, sending the payment initiation request to a secure processing system, switching the secure processing system from operation in an unsecured mode to operation in a secured mode in response to receipt of the payment initiation request, facilitating payment information entry, and receiving a payment response notification, generated based on the payment information, at the main processor.