Abstract: Disclosed herein is a technology for automatically triggering delivery of a digital receipt for one or more financial transactions based on a change in location of the user or a time. In at least some embodiments, the technology includes a payment system detecting a change in location of a user or a change in time and determining, based on the change, that a payment transaction has occurred. The payment system then causes presentation of digital receipt for the payment transaction on a mobile device of a customer.

Abstract: In some examples, methods and systems may process one or more payment transactions between a merchant and a customer by obtaining at least one payment proxy having a syntax including a monetary currency indicator preceding an alphanumeric character. The payment proxy may be transmitted by a transmitter component of a payment beacon device. The method includes generating, through an application accessed through the customer device, a message by identifying the payment proxy in a message and a money transfer amount in the message; parsing the payment proxy to identify the merchant associated with the payment proxy in the message; identifying a merchant financial account associated with the identified merchant, based on a stored association between the merchant financial account and the identified merchant; and initiating, by the payment processing system, a transfer of funds indicative of the money transfer amount from a financial account of the customer to a financial account of the merchant.

Abstract: Disclosed herein is a technology for automatically triggering delivery of a digital receipt for a financial transaction based on a previously stored electronic address for receiving digital receipts. In at least some embodiments, the technology includes a digital receipt system working in coordination with one or more merchants' POS device to deliver receipts for current transactions based on a previously stored electronic address from past transactions. The first time a user utilizes a payment instrument in a transaction, the system associates and stores the payment-instrument information with an identifier of the user. The next time a transaction is detected that involves the identifier, the system automatically triggers receipt delivery to an electronic address associated with the identifier.

Abstract: In some examples, methods and systems may process one or more payment transactions between a merchant and a customer by obtaining at least one payment proxy having a syntax including a monetary currency indicator preceding an alphanumeric character. The payment proxy may be transmitted by a transmitter component of a payment beacon device. The method includes generating, through an application accessed through the customer device, a message by identifying the payment proxy in a message and a money transfer amount in the message; parsing the payment proxy to identify the merchant associated with the payment proxy in the message; identifying a merchant financial account associated with the identified merchant, based on a stored association between the merchant financial account and the identified merchant; and initiating, by the payment processing system, a transfer of funds indicative of the money transfer amount from a financial account of the customer to a financial account of the merchant.

Abstract: Disclosed herein is a technology for automatically triggering delivery of a digital receipt for a financial transaction based on a previously stored electronic address for receiving digital receipts. In at least some embodiments, the technology includes a digital receipt system working in coordination with one or more merchants' POS device to deliver receipts for current transactions based on a previously stored electronic address from past transactions. The first time a user utilizes a payment card in a transaction, the system associates and stores a user-provided electronic address with the card. The next time the user utilizes the card in a new transaction, the system identifies the card has been used in a past transaction, determines the electronic address associated with the card, and automatically triggers receipt delivery to the electronic address, regardless of the new transaction being with a same or different merchant than the one in the past transaction.

Abstract: Data describing a purchase order to be prepared by a merchant and an expected arrival time of a user for arriving at a geographic location of the merchant can be received. An order preparation time for the purchase order based on the one or more items specified in the purchase order can be determined. The order preparation time can be a time needed by the merchant to prepare the purchase order. An order start time based on the order preparation time for the purchase order and on the expected arrival time can be determined. The order start time can be a time for beginning preparation of the purchase order to have the purchase order ready at the expected arrival time. The data describing the purchase order and the order start time can be presented.

Abstract: Data describing a purchase order to be prepared by a merchant and an expected arrival time of a user for arriving at a geographic location of the merchant can be received. An order preparation time for the purchase order based on the one or more items specified in the purchase order can be determined. The order preparation time can be a time needed by the merchant to prepare the purchase order. An order start time based on the order preparation time for the purchase order and on the expected arrival time can be determined. The order start time can be a time for beginning preparation of the purchase order to have the purchase order ready at the expected arrival time. The data describing the purchase order and the order start time can be presented.