Abstract: A system includes a service provider device and a point of sale (POS) device. A session between a user device and the POS device is established. An authentication request associated with the user device is provided via a user interface of the POS device. Subsequent to an authentication of information, responsive to the authentication request, the POS device receives funding instrument (FI) proxy information corresponding to FIs, which is unusable to identify the FIs by a merchant. A selectable representation corresponding to the FI proxy information is provided via the user interface. Responsive to receiving an indication of a selected member from the selectable representation, information for the selected member is sent. The service provider device determines that the session corresponds to an account associated with the user device and the merchant, and performs a transaction for the session using a first FI that corresponds to the selected member.

Abstract: A system includes a service provider device and a point of sale (POS) device. A session between a user device and the POS device is established. An authentication request associated with the user device is provided via a user interface of the POS device. Subsequent to an authentication of information, responsive to the authentication request, the POS device receives funding instrument (FI) proxy information corresponding to FIs, which is unusable to identify the FIs by a merchant. A selectable representation corresponding to the FI proxy information is provided via the user interface. Responsive to receiving an indication of a selected member from the selectable representation, information for the selected member is sent. The service provider device determines that the session corresponds to an account associated with the user device and the merchant, and performs a transaction for the session using a first FI that corresponds to the selected member.

Abstract: Systems and methods for providing a payment authorization system include a payment authorization device that receives, through communication over a network with at least one of a user device and a payment provider device, a request to authenticate a merchant virtual storefront. The request may be received in association with a merchant virtual storefront transaction request. The payment authorization device also retrieves identifying information associated with the merchant virtual storefront. Additionally, the payment authorization device may retrieve, from a database located in a non-transitory memory, baseline identifying information for comparison to the retrieved identifying information. The payment authorization device determines an authenticity of the merchant virtual storefront based on the retrieved identifying information and subsequently authorizes the merchant virtual storefront transaction request.

Abstract: A system includes a service provider device and a point of sale (POS) device. A session between a user device and the POS device is established. An authentication request associated with the user device is provided via a user interface of the POS device. Subsequent to an authentication of information, responsive to the authentication request, the POS device receives funding instrument (FI) proxy information corresponding to FIs, which is unusable to identify the FIs by a merchant. A selectable representation corresponding to the FI proxy information is provided via the user interface. Responsive to receiving an indication of a selected member from the selectable representation, information for the selected member is sent. The service provider device determines that the session corresponds to an account associated with the user device and the merchant, and performs a transaction for the session using a first FI that corresponds to the selected member.

Abstract: Methods and systems for webpage workflows with pooled payments are described. A user or a system may define a flow and individual transactions may be added to create a pooled transaction. The pooled transaction may be processed as one transaction. The pooled transaction may also be canceled or returned as one transaction. In certain embodiments, a transaction device and/or customer relationship management system may analyze the pooled transaction and provided suggestions to aid the user.

Abstract: A system includes a service provider device and a point of sale (POS) device. A session between a user device and the POS device is established. An authentication request associated with the user device is provided via a user interface of the POS device. Subsequent to an authentication of information, responsive to the authentication request, the POS device receives funding instrument (FI) proxy information corresponding to FIs, which is unusable to identify the FIs by a merchant. A selectable representation corresponding to the FI proxy information is provided via the user interface. Responsive to receiving an indication of a selected member from the selectable representation, information for the selected member is sent. The service provider device determines that the session corresponds to an account associated with the user device and the merchant, and performs a transaction for the session using a first FI that corresponds to the selected member.

Abstract: Systems and methods for providing a payment authorization system include a payment authorization device that receives, through communication over a network with at least one of a user device and a payment provider device, a request to authenticate a merchant virtual storefront. The request may be received in association with a merchant virtual storefront transaction request. The payment authorization device also retrieves identifying information associated with the merchant virtual storefront. Additionally, the payment authorization device may retrieve, from a database located in a non-transitory memory, baseline identifying information for comparison to the retrieved identifying information. The payment authorization device determines an authenticity of the merchant virtual storefront based on the retrieved identifying information and subsequently authorizes the merchant virtual storefront transaction request.

Abstract: Systems and methods for providing a payment authorization system include a payment authorization device that receives, through communication over a network with at least one of a user device and a payment provider device, a request to authenticate a merchant virtual storefront. The request may be received in association with a merchant virtual storefront transaction request. The payment authorization device also retrieves identifying information associated with the merchant virtual storefront. Additionally, the payment authorization device may retrieve, from a database located in a non-transitory memory, baseline identifying information for comparison to the retrieved identifying information. The payment authorization device determines an authenticity of the merchant virtual storefront based on the retrieved identifying information and subsequently authorizes the merchant virtual storefront transaction request.

Abstract: A system includes a service provider device and a point of sale (POS) device. A session between a user device and the POS device is established. An authentication request associated with the user device is provided via a user interface of the POS device. Subsequent to an authentication of information, responsive to the authentication request, the POS device receives funding instrument (FI) proxy information corresponding to FIs, which is unusable to identify the FIs by a merchant. A selectable representation corresponding to the FI proxy information is provided via the user interface. Responsive to receiving an indication of a selected member from the selectable representation, information for the selected member is sent. The service provider device determines that the session corresponds to an account associated with the user device and the merchant, and performs a transaction for the session using a first FI that corresponds to the selected member.

Abstract: Systems and methods for providing proxy identity management includes receiving, from a first device, a first proxy identifier associated with a first website, and associating the first proxy identifier with first proxy identity information. The first proxy identity information is provided to the first device. First marketing information associated with the first proxy identity information is received from a marketing service provider device. A first marketing materials management configuration associated with the first proxy identity information is retrieved. The first marketing information is provided for display on a customer device according to the first marketing materials management configuration.

Abstract: Methods and systems for webpage workflows with pooled payments are described. A user or a system may define a flow and individual transactions may be added to create a pooled transaction. The pooled transaction may be processed as one transaction. The pooled transaction may also be canceled or returned as one transaction. In certain embodiments, a transaction device and/or customer relationship management system may analyze the pooled transaction and provided suggestions to aid the user.

Abstract: Peer-to-peer mobile transaction devices are provided with a mobile peer-to-peer transaction application to enable mobile devices to perform action, such as transfer money, between each other via direct wireless communication between the mobile devices, such as Bluetooth communication. The mobile peer-to-peer transaction application may allow dynamic and direct transactions between nearby mobile devices via direct wireless communication. For example, the mobile peer-to-peer transaction app may allow friends to easily split a restaurant bill using their mobile devices.

Abstract: An electronic commerce server connected to a network has access to user data, device data and public key data. The server receives transaction details including a digital signature from a mobile device, the digital signature generated using a first private key associated with a first public key. The server generates a challenge based on the transaction details and transmits the challenge to at least one computing device according to device data associated with the mobile device or user data associated with the user of the mobile device. The server may then receive a response to the challenge from the at least one computing device, the response including a digital signature generated using a second private key associated with a second public key. The server authorizes the transaction based on reading the first digital signature using the first public key and reading the second digital signature using the second public key.

Abstract: Systems and methods for providing a payment authorization system include a payment authorization device that receives, through communication over a network with at least one of a user device and a payment provider device, a request to authenticate a merchant virtual storefront. The request may be received in association with a merchant virtual storefront transaction request. The payment authorization device also retrieves identifying information associated with the merchant virtual storefront. Additionally, the payment authorization device may retrieve, from a database located in a non-transitory memory, baseline identifying information for comparison to the retrieved identifying information. The payment authorization device determines an authenticity of the merchant virtual storefront based on the retrieved identifying information and subsequently authorizes the merchant virtual storefront transaction request.

Abstract: A network-based procurement marketplace system and method is provided to facilitate establishment and development of procurement transactions between purchasers and purchasing agents. Purchasers can submit purchase offers, each of which specifies requested merchandise that is to be acquired and delivered to the purchaser. Purchase offers are published, in some instances only to purchasing agents within a particular geographical region associated with the purchaser. The purchasing agent can submit a procurement claim for all or part of the requested merchandise. Before fulfilment of the procurement claim, funds may automatically be secured from a purchaser account for payment to the purchasing agent, to allow prompt an estimated payment to the purchasing agent upon delivery notification with respect to the claimed merchandise.

Abstract: Systems and methods are provided for facilitating real estate transactions using beacons. One or more beacons at a property that is offered for sale by a seller may communicate with a user device of one or more potential buyers of the property when the user devices are at the property and in proximity to the beacons. The beacons may provide property information to the potential buyer and/or may receive buyer information from the user device. The buyer information may be provided to an agent device of a real estate agent at the property or to a seller device and may be processed to determine whether additional property information will be provided to the potential buyer. The property information may include marketing documentation, a survey, or seller's disclosure. The buyer information may include documents showing loan pre-qualification or contact information for the potential buyer.

Abstract: Systems and methods are provided for enforcing content restrictions. The provided systems and methods may include receiving presence data for a user associated with an electronic mobile device, where the presence data indicates a location of the user in a known area, receiving an identification of content either being accessed or requested to be accessed in the known area, accessing a store of policy data, the policy data including an identification of particular items of content and use restrictions thereon, identifying an applicable restriction on the content, the applicable restriction being selected from the store of policy data based on one or more of the presence data and the identification of content, and applying the applicable restriction on content in the known area.