Abstract: Techniques described herein are directed to point-of-sale (POS) authorization and access control. A POS application operating in a first state can send a first instruction to a reader device to prepare to read payment data associated with a payment instrument and, responsive to receiving the payment data from the reader device, can process a transaction using the payment data. In a second state, the POS application can send a second instruction to the reader device to prepare to read non-payment data associated with an identification instrument of a user and, responsive to receiving the non-payment data from the reader device, can verify an identity of the user and/or grant the user permission to perform an operation. The POS application can transition between the first state and the second state based at least in part on a type of instrument to be read by the reader device.

Abstract: A method and apparatus for facilitating the utilization of virtual payment card data is provided. In various embodiments, virtual payment card data is received by a centralized e-procurement service directly from buyer or issuer entities participating in the service. In various embodiments, secure processes protect the security of virtual payment card data on the centralized service by actively monitoring the service for abnormal view and access behaviors of the virtual payment card data. In various embodiments, viewing interfaces for the e-procurement service are actively and responsively altered to ensure secure utilization of the virtual payment card data. In various embodiments, preventative actions are taken to actively alter virtual payment card data or access methods for entities utilizing the e-procurement service to protect the integrity and security of virtual payment card data.

Abstract: A method and system for receiving digital artifacts from a management server. The method includes sending a request for a digital artifact from a mobile application to the management server fir display within a specific mobile application generated screen, receiving the digital artifact from the management server, and displaying the digital artifact with the specific mobile application generated screen.

Abstract: A computer-implemented method, comprising receiving one or more inputs associated with a master services agreement (MSA), and generating an output that includes smart contract information; performing a simulation and receiving user input to interactively adjust the smart contract information and implement a smart purchase agreement (SPA) in blockchain and in a state engine; and automatically generating a smart purchase order (SPO) under the MSA, wherein the SPO is automatically validated for a conflict against the MSA in real-time, and for the case of a conflict, a conflict warning is provided.

Abstract: A method and a system for conducting a transaction using an electronic chip are provided. One or more details of a plurality of payment modes and a first authentication parameter are stored in the electronic chip. The electronic chip receives an authentication request including a second authentication parameter from a terminal device when the transaction is initiated at the terminal device. The electronic chip compares the first and second authentication parameters, and communicates an authentication response including one or more details of a first payment mode of the plurality of payment modes to the terminal device based on a match between the first authentication parameter and the second authentication parameter. The transaction is processed based on the authentication response.

Abstract: A mobile device having a position determination device and a mobile application configured, in response to the location of the mobile device determined by the position determination device, to: predict a transaction based at least in part on the location of the mobile device; select, based at least in part on the location of the mobile device, a first account for the transaction from a plurality of accounts identified by the identification information; and provide, via the user interface, an alert identifying the first account, before a user of the mobile device begins to make the transaction. The prediction can be made based on a location pattern relative to the location of a transaction terminal and/or the detection of short-range wireless signals of the transaction terminal.

Abstract: In an embodiment, a point of sale (POS) device is provided. The POS device includes a memory and at least one processor. The processor is configured to perform an authorized set of functions established by an external management module. The authorized set of functions include purchase transaction processing of inventory identified as available to the POS device by the external management module.

Abstract: Described are a system, method, and computer program product for customizing functions of a point-of-sale (POS) terminal. The method includes receiving payment device data from an electronic payment device of a user during a payment transaction between the user and a merchant. The method also includes receiving at least one script for execution on the POS terminal from the electronic payment device. The at least one script is associated with a digital signature. The method further includes verifying the at least one script based on the digital signature of the at least one script and executing the at least one script on the POS terminal to cause an action associated with a user interaction with the POS terminal to be performed.

Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Abstract: There are provided systems and methods for the purchase of age-restricted merchandise without requiring the transmission of biometric information. In one form, the system includes: age-restricted merchandise items offered for sale to customers, a server that receives orders from customer devices, and a customer database containing a plurality of customer records.

Abstract: A customer places an order of items to be purchased with an online concierge system. The online concierge system provides the order to a picker who shops for the items at a retailer and delivers them. The online concierge system requests an image of a receipt of the order from the picker. The online concierge system performs image processing on the image of the receipt and uses machine learning and optical character recognition to determine the actual amounts purchased of items. The online concierge system charges the customer based on the actual amounts purchased of each item.

Abstract: Some examples include a payment processing system that receives transaction information of transactions performed between a plurality of merchants and a plurality of buyers, and receives an indication of an invoice generated by a first merchant and payable by a purchasing entity. The payment processing system may determine terms for payment of the invoice based on at least one of: (a) transaction information received from a first computing device of the first merchant configured as a point of sale terminal; (b) transaction information of at least one related merchant determined based on at least one of: a geographic location related to the purchasing entity, or a business type related to the purchasing entity; (c) transaction information of the purchasing entity; or (d) one or more characteristics of the invoice. The payment processing system transmits the terms to the first merchant, and may receive an acceptance from the first merchant.

Abstract: A flexible advance system allows users to request and receive advances. The flexible advance system processes advances such that short-term advances are repaid through a wage deduction from the user's next regularly scheduled compensation period. The flexible advance system provides a user interface that allows users to request to receive compensation for a portion of time worked. Responsive to a request, an entry in a database associated with the user is accessed to determine a total amount of available advance compensation available for request by the user. In response to the requested amount being less than the total amount of available advance compensation, a transfer of compensation is executed to an account of the user. The flexible advance system also modifies the entry in the database by subtracting the compensated amount of time from the total amount of uncompensated time.

Abstract: Methods and systems for providing an advanced hardware system for a self-service kiosk are disclosed herein. In specific embodiments of the invention, a payment interface device is provided. The device includes an integrated touch display, a means for receiving payment information, and a casing holding the integrated touch display and the means for receiving payment information. The device also includes an applications microprocessor and a secure microprocessor located within the casing. The applications microprocessor instantiates an operating system and stores instructions for execution by the operating system for operative communication with a peripheral bar code scanner and a peripheral display. The secure microprocessor stores instructions to encrypt payment information for the system and is in operative communication with the means for receiving payment information.

Abstract: The CLOUD-BASED VIRTUAL WALLET NFC APPARATUSES, METHODS AND SYSTEMS (“EAE”) transform user enhanced security transaction initiation requests using EAE components into time-limited, session-specific transaction bounding tokens. In some implementations, the disclosure provides a processor-implemented method of transforming a transaction bounding token request into transaction bounded tokens and purchase authorizations.

Abstract: Described are techniques for scheduling tasks on a heterogeneous system on a chip (SoC). The techniques including receiving a directed acyclic graph at a meta pre-processor associated with a heterogeneous SoC and communicatively coupled to a scheduler, wherein the directed acyclic graph corresponds to a control flow graph of tasks associated with an application executed by the heterogeneous SoC. The techniques further including determining a rank for a respective task in the directed acyclic graph, wherein the rank is based on a priority of the respective task and a slack in the directed acyclic graph. The techniques further including providing the respective task to the scheduler for execution on the heterogeneous SoC according to the rank.

Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Abstract: Various examples are directed to systems and methods for authentication transactions. A mobile computing device may send to a financial institution system, an access request message. The mobile computing device may receive from a second server system, a transaction request message requesting authorization for a transaction on an account associated with the mobile computing device, the transaction request including a transaction amount. The mobile computing device may prompt a user of the mobile computing device to authorize the transaction. The mobile computing device may receive, from the financial institution system, summary data describing the transaction amount.

Abstract: Disclosed are various embodiments for generating location confirmation models using crowdsourced wireless fingerprints. Wireless fingerprints can be generated and associated with a given location during events that use proximity to specific locations. The wireless fingerprints can be processed to generate location confirmation models that can be used for location confirmation. Periodically, the collected wireless fingerprints can be analyzed and compared to previously collected wireless fingerprints to detect a change in a wireless infrastructure at the given location. Upon determining that a previously generated location confirmation model is invalid according to a level of significance of the change, the outdated wireless fingerprints can be identified and removed from storage or otherwise ignored for future models. An updated location confirmation model can be generated using the up-to-date wireless fingerprints.

Abstract: In some embodiments, systems and methods are provided to recognize retail products in a physical retail store through a portable device that comprises a decision control circuit configured to: process each frame of the subset of frames by multiple modeling techniques each relative to a corresponding image attribute and obtain a corresponding product identification probability; determine corresponding aggregated identification probabilities of the first product based on the product identification probabilities; collectively evaluate the aggregated identification probabilities and identify when a predefined relationship with a collective threshold probability exists; and cause an image of the first product to be displayed in response to identifying that one or more of the aggregated identification probabilities having the predefined relationship with the collective threshold probability.