Scvngr, Inc.

Seth Priebatsch

Charles Carter Jernigan

Harald Prokop

Steve S Rivera

Jonathan M Fisher

John M Jannetty

Jason Urton

Ari Pollak

Retail merchants, third-party manufacturers, and/or distributors of retail goods market and distribute promotions to consumers based on the consumers' transaction histories (i.e., users that do not typically purchase a particular brand of soda) and/or award promotions to consumers targeted to a specific item, class or category of item, or characteristic of an item. The promotion redeems and is applied automatically to reduce the purchase amount when the consumer presents a payment method for a transaction for the purchase of a targeted item.

Payment system with item-level promotional campaigns redeemable automatically at point-of-sale devices

Payment tokens designed for display on a consumer's mobile device include dynamic trust data (e.g., transaction history and/or token generation date) along with financial account information, enabling merchants to make an informed decision about whether to accept payment without communication with the central processing system, and also protecting the consumer's account information from theft.

Distributed authenticity verification for consumer payment transactions

Representative embodiments of a server-based method of facilitating payment by a user registered with the server include, at the server, generating and storing, for the user, a code readable by a merchant device, transmitting the code to a mobile device of the user, facilitating provision of information characterizing a payment instrument from the user to a payment-processing entity without storing the data at the server, receiving, from the payment-processing entity, a token indicative of the payment instrument but not encoding data that would enable use of the instrument, associating the token with the user, receiving, from a merchant, the code and a payment amount, matching the received code to the user and retrieving the token associated with the user, and providing the token and the payment amount to the payment-processing entity to facilitate completion of a transaction between the user and the merchant.

Secure payment method and system

Various embodiments of the present approach and system include a novel ordering and integrated transaction system for providing consumers information about the merchants, such as locations of available retail merchants, menu items from the merchants, 'line time' or 'wait time' at the merchant locations, a make time for completing preparation of the consumer's order, etc.

Cross-platform ordering and payment-processing system and method

A method for transferring funds includes: 1) receiving, from a first user, a request to transfer a stored value to a second user; 2) identifying, based on a first user token and from a user database, a first entry containing information of a payment account of the first user; 3) causing a payment server to transfer funds corresponding to the stored value from the payment account of the first user to a stored-value account that is associated with a stored-value token; 4) associating the stored-value token with a second entry identifying a second user; 5) receiving a payment request initiated by the second user; 6) identifying the second entry based on a second user token included in the payment request; 7) updating funds in the stored-value account based on the payment request; and 8) transmitting at least a portion of the stored value to a merchant based on the update.

Token-based gift cards

A point-of-sale terminal differentiates dynamically among different data streams by processing data encoded with 'sentinels' that bracket the beginning and end of the data and identify the type of data.

Dynamic ingestion and processing of transactional data at the point of sale

A 'no-touch' mobile checkout experience frees consumers from the need to manually locate and activate a mobile payment application in order to complete a transaction. The consumer simply brings his mobile device within close range of an interface console, which in various embodiments prompts the device to launch an application that causes display of a payment token without user action. If the consumer's device is not NFC-capable, the interface console can read a displayed token optically in the usual fashion.

Payment processing with automatic no-touch mode selection

A scanning device provides illumination with a stand-by color in a stand-by mode and a user color upon approval of payment transactions.

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Boston, MA, United States of America

Seth Priebatsch