Walmart Apollo, LLC

Wal-mart Stores, Inc.

Mark Matthews

Daniel Eckert

David Martin Nelms

Bradley Joseph Kieffer

Eytan Daniyalzade

Charles David Berry

Prasanna Rajendran

Todd Davenport Mattingly

Kam Lam

Anthony Hylton

Berk Atikoglu

Douglas E Humphrys

Charles Harry Lobo

Sid Shake

Ryan Crozier

Leslie Irvin

Brandon Flores

Provided are a re-using e-commerce payment instruments for in-store purchasing systems and methods. A customer enters a check out and a transaction at the point of sale is started. The system receives a pairing request at a wallet processor from a customer mobile device operating a mobile application. This pairing request is created and sent in response to scanning of a code having a transaction identification. The system associates a customer payment profile with the transaction identification and sends associated information to the point of sale. The point of sale sends an amount of sale to authorize to the wallet processor after completing scanning of items. The system creates an authorization for payment and sending the authorization for payment to an authorizer. The transaction may then be completed by processing payment.

Re-using payment instruments for in-store use systems and methods

Provided are check-in to checkout systems and methods. The system includes a point of sale, a display, a mobile device, and a backend system. When the POS starts a transaction, such as, but not limited to scanning an item, the POS generates a transaction/basket identification. In response to starting the transaction, the POS sends the transaction/basket ID to the display in the form of a QR code or one-dimensional barcode. The mobile device operating a mobile application scans and captures the displayed code and reports to the backend systems. The backend systems then send a check-in event, which includes gathered data by the backend systems, to the POS and the POS acknowledges receipt of the message. At this point, a notification may be sent to the mobile application that the check-in was successful and a link is established for flow of information.

Check-in to checkout systems and methods

Examples provide customized authorization of item self-returns. A customized returns manager component calculates a customized return-trust score and a per-item return value based on analysis of item data and transaction history data. If a per-user return-trust score is within an unacceptable threshold range or an item value is within an unacceptable threshold value range, a second user is assigned to assist a first user with completion of the proposed return of the selected item. If the per-user return-trust score and the item value is within an acceptable threshold range, a return authorization component authorizes unassisted self-return of the selected item. An item disposition component determines in real-time whether to permit the first user to keep the selected item or instruct the first user to return the selected item to a designated item return area prior to completion of the item return based on a set of item disposition criteria.

Customized item self-returns system

Re-using e-commerce payment instruments for in-store use systems and methods

Techniques for related to retail transaction are disclosed. The techniques involve various uses of a mobile device, such as a cell phone, in authorizing payment for a retail transaction and/or receiving and/or transmitting data to/from the mobile device.

System, method, and non-transitory computer-readable storage media related to transactions using a mobile device

A method for authenticating an online transaction on a first computing device using a second computing device including detecting a request to process sensitive payment information input on the first computing device to complete a transaction, determining that a condition is present associated with the transaction, disabling a payment processing function of the website to prevent a payment from being processed and completed, generating a unique identifier to be displayed on the first computing device, wherein the user scans the unique identifier with a second computing device to initiate an authentication function, authenticating the user operating the first computing device, and enabling, by the processor, the payment processing function of the website to allow the payment to process.

Authenticating online transactions using separate computing device

Systems, methods, and computer-readable storage media configured according to this disclosure provide money services on a money services device such as a kiosk device, tablet device, mobile device, virtual reality device, mixed reality device and the like. An application runs on the money services device and communicates with remote services to perform profile management functions such as facilitating account log-in and allowing users to log-in using mobile messaging. Other services such as verifying the user's ID via an account management service may also be provided.

System and method providing checkout authentication using text messaging

A computer system, computer program product, and method includes detecting a request for sensitive information to be input by a user, determining that a network is a non-secure network, disabling a sensitive user information input function to prevent the user from entering sensitive information over the unsecure network, generating a unique identifier to be displayed on the computer, wherein the user scans the unique identifier with a mobile device to initiate an automatic transaction over a secure network between the mobile device and the computing system, validating the user operating the mobile device and completing the automatic transaction over the secure network with the mobile device rather than over the unsecure network with the computer.

Reducing cybersecurity risks when purchasing products over a network

A point-of-sale system is provided that permits users to self-manage prepaid debit cards. Such a system may be capable of identifying and managing a number of different prepaid debit cards provided by different card issuers. The system may permit, for example, a user to purchase, activate, load funds, or perform other management operations with such cards. The system may also enforce restrictions associated with particular card types, and follow process flows for activating and performing other operations of such cards. The system may also be easily extendible to other types of prepaid cards through established card network relationships.

System and method for managing prepaid cards

A refund processing system and method for automatically processing refunds to a mobile payment account of a customer is provided. The method includes the steps of receiving sales transaction information from a transaction records database, in response to a request from a point of sale device when a refund for an item is initiated, transmitting the sales transaction information to calculate an amount of funds to be refunded to a payment instrument, detecting that the payment instrument is not valid while attempting to apply the refund, and determining whether an electronic gift card is currently associated with the mobile payment account of the customer, and if so, applying the refund to the electronic gift card, and if not, creating a new electronic gift card and applying the amount of funds to the new electronic gift card.

Growing community of inventors

Rogers, AR, United States of America

Mark Matthews