Abstract: A point-of-sale system is a dual-screen stand assembly that includes a merchant terminal and a consumer terminal. The merchant terminal and the consumer terminal can be mated together in a fixed position to form a single unitary stand, or can be separated from each other in a separated position with each terminal serving as its own separate stand. The merchant terminal supports a merchant computing device and is oriented in a merchant-facing direction. The consumer terminal is detachably mated to the merchant terminal and supports a consumer computing device that is oriented in a consumer-facing direction. The point-of-sale system also includes a card reader as part of the customer terminal to perform a payment. The card reader is configured to accepting swipe cards, chip cards or contactless (EMV or NFC) payments.

Abstract: A service provider may receive item price information and/or point of sale (POS) transaction information from a plurality of merchant devices associated with a plurality of merchants. The service provider may categorize the plurality of merchants according to the types of items offered by the respective merchants, and may further categorize the merchants according to the locations at which they conduct business. The service provider may subsequently determine a price recommendation or other pricing information for a particular item offered by a particular merchant. A merchant device of the particular merchant may present the pricing information in a user interface that enables the merchant to view projected sales at various different price points. Further, the merchant may be able to specify one or more factors used for determining the recommend price, such as a desired business model, a desired clientele, a desired profit margin, or the like.

Abstract: Disclose herein are systems and methods for enabling a payer with an account at a financial institution (e.g., a bank) to send a payment to a payee by submitting, via a financial application of the financial institution, the payee's identifier, where the funds associated with the payment are transferred from a financial account associated with a third-party, remote computer system of a payment service (“PSS”), directly to the payee substantially instantaneously upon the payer's request. The payment request is processed based on communications between a computer system of the financial institution (“financial institution system”), a mobile financial application installed on the payer's mobile device, and the PSS. The PSS identifies the payee's financial account and executes, or triggers execution of, the transfer of funds. The PSS further requests a reimbursement of the payment from the payer's financial account to the financial account associated with the PSS.

Abstract: A method for designing and constructing a thin programmable dynamic credential card is disclosed. The thin programmable dynamic credential card may comprise multiple layers, including a top surface layer containing an opening through which a graphical display system below the top surface layer can be viewed. The graphical display system is configured to present at least one coded image. The at least one coded image is determined based at least in part on context data associated with a context of the programmable credential card.

Abstract: A point-of-sale system is a dual-screen stand assembly that includes a merchant terminal and a consumer terminal. The merchant terminal and the consumer terminal can be mated together in a fixed position to form a single unitary stand, or can be separated from each other in a separated position with each terminal serving as its own separate stand. The merchant terminal supports a merchant computing device and is oriented in a merchant-facing direction. The consumer terminal is detachably mated to the merchant terminal and supports a consumer computing device that is oriented in a consumer-facing direction. The point-of-sale system also includes a card reader as part of the customer terminal to perform a payment. The card reader is configured to accepting swipe cards, chip cards or contactless (EMV or NFC) payments.

Abstract: In some examples, a payment processing system may receive an indication of a transaction between a customer and a merchant. The payment processing system may generate a notification indicating completion of the transaction between the customer and the merchant. Further, the payment processing system may transmit the notification to a device associated with the customer. For instance, the notification may include an offer for the customer to receive financing from the payment processing system for the transaction or a future transaction. The payment processing system may receive an acceptance of the offer to receive financing, and may transmit an instruction to cause a financed amount to be provided according to the acceptance of the offer.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for transferring money using email. One of the methods includes receiving a user input of a funds-transfer request from a sender associated with a first identifier to one or more recipients associated with one or more second identifiers, respectively, generating one or more electronic messages based on the user input, each being operable to allow a respective recipient to send a funds-transfer authorization, sending the electronic messages to the recipients based on the second identifiers, receiving one or more funds-transfer authorizations from the one or more recipients, respectively, identifying a sender account based on the first identifier and one or more recipient accounts based on the one or more second identifiers, respectively; and initiating one or more transfers of funds from the one or more recipient accounts to the sender account, respectively.

Abstract: In some examples, methods and systems generate interactive receipts with the option of a dynamic tip amount. The method includes determining at least one tip determinant based at least in part on the payment transaction, wherein the tip determinant is selected from a group of: the merchant; the customer; a payment object presented by the customer towards the payment transaction; a geographical location of a mobile device associated with one of the merchant and the customer; and a category of a merchant's item corresponding to the payment transaction. The method includes obtaining, by a dynamic tip generator, a tipping profile based on a history of tipping behavior associated with the tip determinant and generating, by the dynamic tip generator, at least one dynamic tip amount based at least on the tipping profile, which is presented to the customer.

Abstract: Systems and methods for generation and aggregation of point-of-sale account data and generation of a marketplace platform are disclosed. Transaction information may be utilized to value one or more businesses, and those valuations may be presented to potential buyers in a generated marketplace platform. A remote system may facilitate a sales agreement between a buying merchant and a seller merchant by, for example, transferring funds from a remote system account to the selling merchant's account and accepting repayment from the buying merchant over time. Merging of transaction information and/or user accounts pursuant to the sales agreement may also be performed.

Abstract: An adaptive collaboration platform is described. In accordance with the described techniques, a request is received to generate collaboration recommendations for an artist. A collaboration system processes artist data for the artist with additional artist data for other artists in an artist population to generate collaboration recommendations for the artist. The collaboration recommendations are exposed to the artist via a user interface of the collaboration system. The collaboration recommendations recommend at least one of the other artists as a collaborator for the artist. The user interface of the collaboration system also enables the artist to form a communication channel with the collaborator.

Abstract: Customer-device application sites (e.g., content presented via a progressive web applications) that are accessible via merchant-managed identifiers (e.g., identification codes) are described. An identification of a physical location associated with a merchant can be associated with an identification code. The identification code can be received from a computing device of a customer and, based at least in part on receiving the identification code, merchant data associated with the merchant can be caused to be presented via a web browser of the computing device of the customer. In an example, the merchant data can be presented via the web browser by a progressive web application downloaded onto the computing device of the customer via the web browser. An indication of an input received via the progressive web application can be received by the computing device of the customer and an operation based at least in part on the input can be performed.

Abstract: A method comprising receiving, by a payment service system (PSS), a first biometric dataset produced by a wearable device of a user having a user account with the PSS associated with a respective wellness profile; training a machine learning model that uses as input user behavior and outputs a reward offer associated with behavior that improves a wellness score; determining, using the model, the reward offer for the user with a merchant; presenting the reward offer, wherein activation of the reward offer causes an association with the user account; receiving, from the mobile device, an indication that the user has activated the reward offer via a transaction with the merchant; obtaining a second biometric dataset at a time that is based on activation of the reward offer; and updating the user's wellness profile based on a comparison of the two biometric datasets.

Abstract: Techniques described herein are directed to an intelligent lending platform in which a payment service may receive respective lending queries from users, analyze the queries using a machine-learned model and, if the queries are denied, output respective signals indicating that the respective queries are denied and the reasons for each respective decline. In some instances, the described techniques analyze data associated with each respective denied query to determine high-level reasons for the decline and may present these reasons in a manner that is both understandable to and actionable by the respective user. That is, the techniques may automatically identify the most significant reasons why a particular lending query was denied and may automatically output these reasons to a user in a manner that the user is able to easily comprehend and act upon to increase the chance of receiving an approval upon a subsequent lending query.

Abstract: Introduced here is a technology that enables a merchant to create customer-targeted, customized communications by use of a merchant platform executing on a financial service system. The merchant platform generates content for communications that is based on a particular customer segment. The customer segment includes one or more groups of customers segmented based on one or more attributes associated with each group of customers. An attribute is determined based on data collected by the financial service system, where the data is related to transaction data of a plurality of merchants.

Abstract: Techniques described herein enable a payment service to generate and send different instructions regarding a wireless payment reader based on a current state of the payment reader. For instance, a wireless payment reader may include a quick-response (QR) code that uniquely identifies the payment reader relative to other payment readers. Further, the QR code may embed information identifying the wireless payment reader and/or a uniform resource locator (URL) pointing back to a payment service configured to process payment transactions with the wireless payment reader. In response to receiving an indication of a scan of the QR code, the payment service may determine whether the payment reader is currently paired. If not, then the payment service may generate and send pairing instructions to enable pairing with the payment reader. If so, then the payment service may generate and send payment instructions to cause the device to engage in a payment flow.

Abstract: A card reader includes a digital connector such as a Universal Serial Bus (USB) plug or an Apple® Lightning® plug. The digital connector includes a corresponding connector interface, which provides voltage to at least a card reader interface and an integrated circuit (IC) of the card reader. The card reader interface outputs an analog transaction information signal upon reading the card. The IC generates a digital version of the analog transaction information signal, encrypts the digital version, converts that into an analog audio signal. The audio signal can then be sent to the connector interface, which converts it into a digital signal such as a USB or Apple® Lightning® signal that is sent by the digital connector to a mobile device. Alternately, the audio signal can be sent to a microcontroller that converts the audio signal to a digital format such as USB, and then to the digital connector.

Abstract: Systems and methods are disclosed embodying techniques directed to, in association with a transaction between a payor and a payee, determining a parameter associated with at least one of the payee, payor, or transaction. Methods and systems further include dynamically determining, based on the parameter, a customized transaction flow for the payee, wherein the customized transaction flow comprises a set of operations for completing the transaction. Method and systems are further directed to causing one or more user interfaces corresponding to one or more of the set of operations to be presented via a user device of the payor for execution of the set of operations.

Abstract: Intelligent application of reserves to transactions are described. In an example, server(s) associated with a payment processing service receive, from a point-of-sale (POS) device operated by a merchant, transaction data associated with a payment transaction between the merchant and a customer. Based on a predictive model, the server(s) can determine a level of risk associated with the merchant and/or the payment transaction and can determine a portion of the transaction to withhold from a settlement amount of the payment transaction based at least in part on the level of risk. The portion can be deposited into a reserves account associated with the payment processing service to satisfy costs associated with chargeback requests.

Abstract: In one embodiment, a securities transaction system includes a ledger storing securities balances of security assets managed by a payment service and owned by users of the payment service. The securities balances relate to securities purchased on from a securities exchange system. The securities transaction system includes processors for executing instructions executable to send, to a mobile wallet application associated with the payment service, information regarding one or more of the security assets managed by the payment service; receive, from the mobile wallet application, a purchase request to acquire an amount of one of the security assets; update, via the ledger, the securities balances to reflect amounts of security assets respectively managed by the payment service and owned by the user based on the purchase request; and initiate one or more transactions from the securities exchange system to maintain a specified level of the security asset.