For communicating payments, a mobile device reads a point-of-sale code from a point-of-sale device. The mobile device uploads the point-of-sale code to the clearing house. The clearing house downloads a purchase menu to the mobile device. The clearing house generates a payment authorization comprising an authorization code and a transaction amount. The clearing house determine whether the point-of-sale device is in communication with the clearing house. In response to the point-of-sale device being in communication with the clearing house, the clearing house communicates the payment authorization to the point-of-sale device at a device address determined from the point-of-sale code. In response to the point-of-sale device not being in communication with the clearing house, the clearing house communicates the payment authorization through the mobile device to the point-of-sale device. The point-of-sale device completes a transaction for the transaction amount at the point-of-sale device.

A streamline banking system includes a customer kiosk having a photographic element and a processor. The processor is programmed to capture an image with the photographic element and determine that the captured image comprises an image of a machine-readable code. The processor decodes the machine-readable code and extracts customer financial account data therefrom. The customer financial account data is associated with one or more financial institutions. The processor retrieves information associated with one or more financial product offerings offered by the financial institutions. Each of the financial institutions is presented to a customer along with the respective financial accounts and the respective financial product offerings. The customer selects one or more of the financial accounts and the financial product offerings. The customer kiosk then transmits to the customer service computing system the customer selection.

Disclosed herein are multispace parking pay stations comprising: at least one processor, a memory, a communications element, a printer, and a computer program including instructions executable by the at least one processor to create an application comprising: a software module receiving a unique identifier associated with a parking customer, the parking customer having executed a mobile payment for parking in a space associated with the pay station; a software module transmitting the unique identifier to a central parking management server and querying the central parking management server with the unique identifier to identify the parking customer and verify the mobile payment; and a software module generating and sending instructions to the printer to print a payment verification for the parking customer.

The disclosed technology relates to a platform for providing improved access to medication, increasing medication adherence, and managing medical conditions. The platform includes one or more servers connected via a network. The servers are configured to access one or more databases that are configured to store data associated with a user, voucher data, and one or more medications. The platform also includes an analytics module for analyzing the data stored in the databases. The analytics module generates a medical treatment recommendation based on the user and/or voucher data. The platform also includes a voucher module for generating vouchers that may be redeemed for prescribed medication and tracks redemption of the vouchers.

Described are a system and method for dynamic promotional offers during user interaction at an automated teller machine (ATM). The method includes receiving, at the ATM, a transaction request based on an account identifier associated with an account of a user. The method also includes determining, based on the account identifier, that the account of the user was issued by an issuer that is different than an acquirer associated with the ATM. The method further includes, in response to determining that the account was issued by the issuer, generating, with at least one processor, an authorization request message based on the transaction request and the account identifier. The method further includes receiving an authorization response message comprising embedded user profile data and generating, on a display of the ATM, at least one offer based on the embedded user profile data.

The system enables one to securely recycle an electronic device in a publicly accessible location. In particular, the embodiment described may be used by a mobile phone owner to submit his/her mobile phone for recycling via an electronic kiosk and receive compensation in some form. The compensation might be dispersed via cash, voucher, credit or debit card, or other magnetic or electronic transaction methods.

Automating a product offering presented in a consumer kiosk application for creating and order consumer photo-related products. An automated product offering system determines in real-time or near real-time the availability of products to be offered to the consumer and adjusts the display on the kiosk GUI to guide the user to select products that are currently available. The product availability may be specific to a location and a retailer hosting the consumer kiosk application. The kiosk GUI display is adjusted in accordance with product advertising and promotional campaigns to guide the user to generate orders for products that offer the best value to the consumer while helping retailers and kiosk operators succeed with advertising campaigns.

A method is performed at an electronic device with a display. The method includes receiving a request from a user to display information about electric vehicle charging stations near a geographic location. The method further includes, in response to the request to display information about electric vehicle charging stations near the geographic location, for a respective charging station near the geographic location: identifying a commercial enterprise co-located with the respective electric vehicle charging station, and displaying, on the display, an indication of the respective electric vehicle charging station. The indication of the respective electric vehicle charging station includes a representation of the co-located commercial enterprise.

Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.

A media targeting system may be configured to coordinate media and manage media conflicts in its delivery to consumers. The media targeting system may in near real-time arbitrate between all offers assigned to a particular consumer or available to the consumer via one or more channels to ensure that a consumer only receives non-conflicting offers during particular time periods. The media targeting system may translate offers into a real-time, in-store loyalty environment including consumer real-time behavior assignment into traits in order to make a real-time offer assignment based on the traits.