Wells Fargo Bank, N.a.

Albert Hwu

James Christopher Noe

Daniel David

Shane Duncan Eaton

Derek D Mohr

Theresa Ann Clements

Jacob T Orth

Michelle E Ziolkowski

Chris Theodore Kalaboukis

Ashish Bhoopen Kurani

Nikolai Stroke

Kristine Ing Kushner

Young M Yang

Raissa Williams

Point of sale (POS) devices, systems, and methods disclosed herein enable payments by merchants to non-customers, such as to employees of the merchant. A point of sale system of the merchant determines an amount of a payment to be made by the merchant to the employee. The point of sale system transmits payment instructions for executing the payment to a payment system provider computing system. The funds are made available in a bank account of the employee instantly or near instantly.

Instant network cash transfer at point of sale

Systems, methods, and computer-readable storage media of protecting customer information. One method includes detecting a user device associated with a user has navigated to a page of an online store, inserting code comprising a first interactive element associated with a purchase option into the page prior to presenting the page on the user device, and receiving a pending purchase order. The method further includes transmitting a notification to a merchant system associated with the online store to reserve a good or service for a period of time, capturing, via an input circuit of the user device, user input of the user, and assigning a point value to the user input. The method further includes generating a recommendation to cancel, proceed, or modify the pending purchase order based on an evaluation of the point value, and providing, to the user device, the recommendation during the pendency of the period of time.

System, method, and medium for claw back and price protection

A computing system includes one or more processors and one or more computer-readable storage media having instructions stored thereon that, when executed by the one or more processors, causes the one or more processors to receive a pending purchase order from a user device in response to a selection of an interactive element presented on a payment page of an online store via the user device, the pending purchase order corresponding to a purchase of a good or service from the online store and including payment information, store the payment information in an escrow database for a window of time, generate a notification corresponding to the pending purchase order, the notification including information corresponding to the good or service and excluding the payment information, and transmit the notification to a merchant system associated with the online store to reserve the good or service during pendency of the window of time.

System and method for claw back and price protection

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San Francisco, CA, United States of America

Albert Hwu