Abstract: A device may run an application having information with multiple accounts associated with processing of transactions. The application may provide account information that is used to process the transactions. At the same time, a background application may operate on the device. The background application may be compatible with a second device, and when within range of the second device, may communicate background messages relevant to the transaction. The transaction may then be processed based on the account information and the background messages.

Abstract: Techniques and arrangements for concurrent processing of payments to multiple merchants in a shared program are described. A method, performed by a service computing device, can include receiving customer information associated with two transactions of a customer with two respective merchants that are in a shared program. Accrued benefits of the customer for conducting the two transactions in accordance with the program can be determined. The accrued benefits can be communicated to the customer via a customer device. The payments for both transactions can be processed, concurrently, in accordance with the accrued benefits. In examples, the merchants may be associated in the shared program based on locations of the merchants, a type of merchant, and/or goods or services offered for sale by the merchants.

Abstract: In one embodiment, a method includes receiving, by a payment service system (PSS), a payment request from a payment application executing on a device of a sender. The payment request includes a recipient identifier corresponding to a recipient. The sender and recipient have financial accounts associated with the PSS. The method includes determining a similarity score based on a comparison of contact records associated with the device of the sender and contact records associated with a device of the recipient. The method includes, responsive to determining that the similarity score does not satisfy a threshold similarity score, transmitting a confirmation request to the device of the sender to confirm an identity of the recipient. The method includes receiving, from the device of the sender, an approval response to the confirmation request. The method includes, authorizing a payment transaction associated with the payment request based on the approval response.

Abstract: In some examples, a system may receive transaction data indicating payments into a first account over time and payments out of the first account over time, the first account associated with a user. In addition, the system may access a data structure including historical account data that indicates variations in a balance of the first account over time. The system may determine an indicated minimum balance for the first account based on inputting the transaction data and the historical account data into a first predictive model configured to predict a minimum balance for enabling predicted payments out of a user account. The system may determine, based on a difference between a current balance of the first account and the predicted minimum balance for the first account, that the first account has a surplus of funds. Based at least on the surplus, the system may send an instruction.

Abstract: A method of processing a transaction between a customer and a merchant includes receiving from a mobile device of the customer or from another device of the customer an indication of consent to perform a cardless payment transaction with the merchant, receiving from the mobile device an indication that the customer is within a predetermined distance of the merchant, after receiving both the indication of consent and the indication that the customer is within the predetermined distance, sending to a computer system of the merchant an indication of the presence of the customer and personal identifying information for the customer, receiving data indicating a transaction between the customer and the merchant, and submitting the transaction to a financial service for authorization.

Abstract: A system for sensing a proximity of a near field communication (NFC) device includes an NFC reader that communicates with a remote NFC device through load modulation. The NFC reader transmits a wireless carrier signal from an antenna, and the remote NFC device modulates the carrier signal by changing its internal impedance in order to transmit data to the NFC reader. The NFC reader has at least one antenna for receiving the modulated signal. The antenna is coupled to circuitry that analyzes the signal received from the remote NFC device The circuitry then identifies a resonant frequency for the remote NFC device based on the received signal and controls transmission characteristics of the NFC reader for communicating with the remote NFC device based on the identified resonant frequency.

Abstract: Batch-processing of open tabs associated with one or more customers of a merchant is described. An identifier and/or payment instrument associated with the customer may be determined and a tab data structure associated with a customer may be created. The tab data structure may be configured to store interactions between the customer and the merchant. Details of transactions between the customer and the merchant may be stored while the tab remains open. In response to determining that an event has occurred, the open tab(s) may be closed and the stored transactions may be processed via a batch-processing technique. In this way, the open tabs associated with the customer and/or the merchant may be processed in batch, thereby reducing the level of interaction and resources required of the merchant and customer to process tabs individually and reducing the amount of delayed and/or lost funds.

Abstract: A point of sale (POS) device includes a nest portion and a cradle portion. The nest portion includes one or more payment card or near field communication (NFC) readers. The cradle portion couples to differently-sized interchangeable frames, which in turn help secure a mobile computing device to the cradle portion of the POS device. The mobile computing device is connected via a connector to the rest of the POS device. Payment card information read by the readers is conveyed to the mobile computing device over the connector for processing. The POS device may also include tamper detection circuitry.

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: Product catalogs are received at a first point-of-sale (POS) device of a first business entity from POS devices of a second business entity and a third business entity. At least one product specification is selected from the product catalog of the second business entity and at least one product specification is selected from the third product catalog of the third business entity. A product catalog for the first business entity is then generated at the first POS device that includes a product specification that is different from, but informed by, the received product specifications. The generated catalog is transmitted by the first POS device to a fourth POS device of a fourth business entity.

Abstract: An electronic device may include a printed circuit board having a physically unclonable function (PUF) source. The electronic device may also include processing circuitry positioned on the printed circuit board. The PUF source includes a plurality of traces and each trace includes a first portion and a second portion having an increased surface area relative to the first portion. The PUF source is responsive to an input from the processing circuitry to provide PUF data based on the impedance characteristics of the plurality of traces. The processing circuitry is further configured to process the PUF data from the PUF source to perform an operation within the device.

Abstract: A computer-implemented method including storing assets from an external entity in a first wallet of a payment service; training a machine-learning model using transaction data, user data, and/or rewards data; determining, using the machine-learning model, reward offers personalized for a user; activating a reward offer; receiving a request to process payment for a user's payment transaction; determining that a reward configuration is applicable; determining an amount of stored assets to assign to the user and assigning the assets to a second wallet of the user, wherein assigning the amount comprises: updating, using an internal ledger, the first wallet to indicate that a portion of the stored assets is owned by the user; and updating the second wallet to indicate ownership of the amount of the asset, wherein the updating of the first wallet and the second wallet is performed without accessing the external entity when updating.

Abstract: Expedited transaction processing using a database of integrated in-store and online transactions is described. First transaction information associated with a first transaction conducted in a physical store of a merchant and second transaction information associated with a second transaction conducted via an online store of the merchant can be received. The first transaction can be processed based at least partly on the first transaction information and a record of the first transaction can be stored in the database. Based at least partly on the record, the second transaction can be processed using at least a portion of the second transaction information by (i) sending, to a card authorization service, the second payment information and (ii) generating an indication that the first payment information was authorized for the first transaction at the physical store. A computing device of the online store can be notified that the second transaction is allowed.

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 payment handling system may operate to handle payments for the cost of a transaction in which one or more devices operate in an offline mode. The payment handling system may allow for merchant devices to make modifications to local versions of an open ticket while in an off-line mode. When a merchant device subsequently enters an online mode, the systems and techniques may operate to reconcile differences between the local versions of the open ticket.

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: The disclosed technique enables a payer who uses a payment object to pay for goods or services to specify, by using a mobile device, how the payment amount should be apportioned the payer and additional payers. In certain embodiments, the technique involves communication between a mobile payment application installed on the payer's mobile device and a remote payment service system (PSS). The payment amount is transferred from the payer to the payee. The mobile payment application enables the payer to identify additional payers and specify how the payment amount should be apportioned between the payers. The mobile payment application communicates this information to the PSS, which then executes or triggers reimbursement to the payer to carry out the specified apportionment.

Abstract: Methods and systems to facilitate communication and payment to an artist associated with a streaming service platform based on user-centric royalty models are disclosed herein. In one example, a method include receiving a selection of media content to output to a user device associated with a user account and providing the media content to the user device to be presented. The method further determines characteristics of the output of the media content related to how the media content was output by the user device and determine an intent value associated with the media content based on the characteristics. The method further updates the attribution schedule indicating at least a change of a degree of attribution for one or more entities based on the intent value and facilitates a transfer of funds from the user account to an account associated with the one or more entities based on the attribution schedule.

Abstract: In some examples, a system and method for generating a payment instrument are described. The method includes receiving a unique signature that a recipient intends to associate with the payment instrument; verifying that the received feature meets an acceptability criterion; generating a representation of the received signature, wherein the representation is in a form capable of being physically associated with the payment instrument, and wherein association is established by embedding or exposing the representation on the payment instrument; and causing physical generation of the payment instrument having associated therewith the representation of the signature.

Abstract: In some examples, a financial system receives, from a plurality of computing devices associated with a plurality of users, respectively, transaction data of transactions performed by the plurality of users. The financial system may provide, based at least on the transaction data, financing to an account of a first user, the financing including repayment terms for repayment of the financing. The financial system may receive, from one or more services, one or more signals related to a business of the first user. Further, the financial system may determine, based on the received one or more signals related to the business of the first user, updated repayment terms for repayment of the financing from the first user. In addition, the financial system may apply the updated repayment terms for repayment of the financing.