First Data Corporation

The Western Union Company

Cooler Screens Inc.

Robert Edwin Dravenstott

John Joseph Mascavage, Iii

Margaret Morgan Weichert

Terry Allen-Rouman

Arsen Avakian

Keval Desai

Wendy D Larson

Jack Michael Arrington

Scott J Levokove

Peter Eric Philipp

Brian Krzeminski

Laurence Martinez

Joris Vega

An intelligent marketing and advertising platform which provides an innovative merchandising solution for retailers by effectively transforming the glass surface of retail product containers (such as cooler doors) into a non-transparent display of planograms. The merchandising solution provides for digital planograms and pricing management, real time promotional updates and sales data, etc. This is accomplished by converting/transforming the simple glass surface of a retail product container (such as cooler/freezer doors) into digital 'smart' screens that provide for innovative advertising solutions. The cooler/freezer doors are configured to use at least one camera to capture images when the doors are opened, in order to effectively take inventory of what is inside the cooler/freezer.

Intelligent marketing and advertising platform

A smart, movable closure system that allows access to the interior from the exterior of the cabinet, is disclosed. In some embodiments, the movable structure may be coupled with a cabinet interior that is adapted to be kept at a temperature cooler than the exterior cabinet ambient temperature, for example, to store perishable consumer goods in a retail setting. In particular, the smart, movable closure system may include electronic components that display graphical renderings corresponding to one or more products stored in the retail product container. In addition, the smart, movable closure system may include a controller that that determines an inventory status of products in the closure system, and based on the determined inventory status, controls the graphical renderings.

Smart movable closure system for cooling cabinet

A smart, movable closure system that allows access to the interior from the exterior of the cabinet, is disclosed. In some embodiments, the movable structure may be coupled with a cabinet interior that is adapted to be kept at a temperature cooler than the exterior cabinet ambient temperature, for example, to store perishable consumer goods in a retail setting. In particular, the smart, movable closure system may include electronic components that display graphical renderings corresponding to one or more products stored in the retail product container. In addition, the smart, movable closure system may include a controller that, before a user opts-in, generates an opt-in invitation at the smart, movable closure system, wherein the user may interface with the system with a wireless communication device.

An electronic transaction method, funds transfer apparatus and method for facilitating a funds transfer. The methods comprise sending information from a purchaser or payor to a funds transfer system separate from a vendor system or payee, validating and confirming personal financial information at the funds transfer system, and transferring funds from a purchaser or payor account to the vendor or a payee account without exposing either party's financial and account information to the other. Additionally, a funds transfer apparatus is disclosed comprising connections to a payor and payee system and mechanisms for receiving and validating party and transaction information and a mechanism for transferring funds from one party to the other.

Electronic purchasing and funds transfer systems and methods

A user may select or create a PIN at a non-secure input device, such as a web-enabled personal computer. PINs are stored at a financial host in encrypted form, as PIN offsets. The user selected PIN and a corresponding account number are sent in clear text form to the host, which selects a base PIN offset corresponding to the PIN. A host security module within the host converts the base PIN offset to an actual PIN offset using the actual account number. The actual PIN offset (corresponding to the new PIN and the account number) is then stored at the financial host.

PIN creation system and method

According to the invention, a process for transferring funds between a payor and a payee in an online transaction is disclosed. In one step, information is received from the payor for debiting a bank account associated with the payor. Authorization is transmitted to the payee to request debits from the payor. The total of all debit requests does not exceed an amount that is authorized. A first request is received from the payee to debit the customer a first portion of the amount. A first debit is initiated from the bank account for the first portion of the amount. A second request is received from the payee to debit the payor a second portion of the amount. A second debit is initiated from the bank account for the second portion of the amount.

Online incremental payment method

According to the invention, a process for authorizing an online purchase between a customer and a vendor site is disclosed. In one step, transaction information is received from the vendor site. A new web browser window is automatically opened for the customer. A transaction amount is presented in a new browser window. The customer is capable of assenting to the transaction amount through interaction with the new web browser window. Authorization is received from the customer of a debit for the transaction amount to cover the online purchase. The vendor site is notified of the authorization.

Online purchasing method

A process for facilitating payment between a buyer and a seller with an online money transfer performed over a wide area network is disclosed. In one step, login information relevant to a vending site is received. The login information is associated with the seller. Listings at the vending site associated with the seller are automatically determined. A number of snippets of HTML code are generated for the listings, wherein each snippet includes a link. One of the number of snippets is automatically inserted into each of the listings. Activation of the link points a web browser to a payment enabler that can transfer money from the buyer to the seller.

Growing community of inventors

San Mateo, CA, United States of America

Robert Edwin Dravenstott