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: 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 such 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. This antenna is coupled to circuitry that measures a spectrum of the received signal and identifies a resonant frequency of the NFC device based on the measured spectrum. Such circuitry also determines the signal's amplitude at such resonant frequency and precisely estimates the distance of the remote NFC device from the reader based on such amplitude.

Abstract: In a restaurant having a customer-facing food service counter, a video camera is positioned to produce video of an area that includes the food service counter. The video is analyzed to determine the ingredients that are used to prepare each of multiple customer meals. This information may be used to recommend a modified ingredient layout of the food service counter, where the modified ingredient layout is formulated so as to improve serving efficiency or customer convenience.

Abstract: Techniques described herein are directed to intelligent virtualization of merchant services. In an example, interaction data indicative of interaction(s) between merchant(s) and a service provider can be received from merchant device(s) operable by the merchant(s). Server(s) of the service provider can access inventory data of a merchant and can determine, based at least in part on the interaction data and the inventory data, whether the merchant is a candidate for virtualization. The server(s) can send, to a merchant device operable by the merchant, a recommendation to virtualize an item based at least in part on the determining, wherein the recommendation can be presented via a merchant-facing user interface that includes a user interface element to allow the merchant to virtualize the item.

Abstract: In some examples, methods and systems may process one or more payment transactions between a merchant and a customer by registering, by a biometric sensor of a payment object reader or a mobile device, a biometric characteristic as a biometric payment instrument, for example by obtaining data corresponding to a biometric characteristic of the customer. The data is converted into a digital signature of the biometric characteristic and compared with a registered biometric instrument at the time of transaction. If a match is obtained, the customer effects payments through the registered biometric instrument.

Abstract: In one embodiment, a method includes identifying, by a payment service, a plurality of security assets for inclusion in a pack of security assets. A value of the pack of security assets may be determined based on weighted values of a base unit of each of the security assets. Information may be sent to a first user's client device to display a user interface to purchase the pack of security assets. In response to receiving a purchase request in a specified amount, the payment service may calculate, for each of the security assets in the pack, the base units of the security asset based on the respective assigned weight and the value of a base unit of the security asset. Finally, for each of the security assets in the pack, ownership of the calculated number of base units of the security asset may be assigned to the first user.

Abstract: Techniques for facilitating a secure transaction between a first mobile computing device associated with a driver and a second mobile computing device associated with a passenger are discussed herein. The techniques may include registering an association between a first application executing on the first mobile computing device and a second application executing on the second mobile computing device. The second application may display information indicating an amount of fare for a ride offered by the driver to the passenger. Upon receiving input from the passenger to authorize processing of a payment transaction, the second application may send a request to process the payment transaction using card information. In some examples, the payment transaction is authorized without providing the first application with access to card information.

Abstract: The disclosure describes, in part, techniques for performing pre-authorization during a transaction between a merchant a customer. For instance, a payment service may receive, from a merchant device, payment information of a payment instrument that is used to satisfy a cost of a first item. The payment service may then send an authorization request to a card payment network to hold a first amount of funds based on previous purchase activity. The payment service may further send the merchant device information associated with the customer. Next, the payment service may receive an indication that the customer requests to purchase a second item. In response, the payment service may send a request to the card payment network to capture a second amount of funds that is based on the cost of the first item and a cost of the second item. In response, the payment service may receive approval from the card payment network.

Abstract: A payment reader and a POS terminal may communicate over a wireless connection. The methods and systems include monitoring one or more parameters corresponding to a payment reader and another device in proximity to POS terminal. The POS terminal, through a set of customized instructions, determines whether behavior of the second device substantially corresponds to the first device, in order to detect suspected hardware or software intrusion associated with the secure device. On successful detection of a suspected intrusion, the POS terminal generates an alert for a user of the first device if illegal intrusion is suspected by the processor.

Abstract: A point of sale (POS) device includes an output device such as a speaker, a display screen, or a network interface. The POS device also includes a secure enclosure housing a secure processor and tamper detection circuitry for detecting attempts to tamper with the secure enclosure. Use of the output device is shared between the secure processor and a main processor via a switch that is controlled by the secure processor. The secure processor can switch control of the output device from the main processor to itself and can output an output dataset via the output device in a number of scenarios. These scenarios include the secure processor detecting an attempt to tamper with the secure enclosure, the secure processor recognizing that the main processor is behaving suspiciously, or the secure processor wanting to output sensitive information. The output dataset may include visual data, audio data, or network data.

Abstract: A user interface (UI) for presenting capital offers associated with different loan products is described. A service provider can analyze potential borrower data to generate custom capital offers for the potential borrower. A first set of the custom capital offers can be associated with a first loan product and a second set of the custom capital offers associated with a second loan product having different repayment terms than the first loan product. The service provider can receive an indication of interest associated with a capital loan product and, responsive to receiving the indication of interest, can cause a UI to be presented via a display of a device operated by the potential borrower. The UI can include a slider that allows the potential borrower to transition between offers associated with the first loan product and the second loan product to select a custom capital offer of the custom capital offers.

Abstract: Identity verification (IDV) using a payment processing platform is described herein. In an example, a computing device can receive identifying information of a user. The computing device can request payment information of a payment instrument of the user and can receive the payment information of the payment instrument of the user. The computing device can prompt the user to present the payment instrument at a point-of-sale (POS) of a trusted merchant and can verify the identity of the user based at least in part on verification information received from a merchant device operable by the trusted merchant at the POS.

Abstract: Method, systems, and apparatus for generating a storefront for a merchant, comprising: receiving transaction data associated with a brick and mortar (BOM) transaction, processing a payment for the BOM transaction, updating inventory data based on the transaction data, receiving a request to generate an online storefront for a point of sale system of the merchant, where the point of sale system includes inventory data of a plurality of items for sale, identifying the plurality of items for sale from the inventory data from point of sale system; generating one or more resources for each item of the plurality of items for sale; causing display of the graphical user interface comprising the one or more resources to be presented to enable purchase of an item, and updating the inventory data based on a purchase of the item by the ecommerce customer.

Abstract: In particular embodiments, a method of transferring money by use of a payment proxy includes receiving a notification of an intent to initiate a monetary transaction in a message entered by a user of a communication platform, identified based on a determination of a particular context associated with content of the message. The method includes parsing the message to identify a unique payment proxy associated with a financial account having a syntax that includes a currency indicator and a string of characters. The method includes identifying a recipient financial account associated with the unique payment proxy. The method includes identifying a sender financial account based on the particular context associated with the content of the user message. The method includes initiating a transfer of a payment amount between the sender financial account and the recipient financial account associated with the unique payment proxy in accordance with the monetary transaction.

Abstract: Auto-generation of multi-merchant interactive image collections is described. A plurality of interactive images associated with multiple merchants can be accessed. An interactive image of the plurality of interactive images can depict one or more items offered for sale by a merchant and individual items of the one or more items can be associated with individual selectable controls. A selectable control can enable a customer to view item information associated with an individual item with which the selectable control is associated. A subset of interactive images of the plurality of interactive images can be included in an interactive image collection. The subset of interactive images can be associated with two or more merchants. The subset of interactive images can be presented via a display of a device to enable the customer to add at least the individual item to a virtual cart via an interaction with the selectable control.

Abstract: A method and apparatus for associating an account with a proxy card are disclosed. The proxy card can be associated with account data from multiple other cards, such as account data from a driver's license and from various payment cards, such as a credit card, a debit card, and a pre-paid gift card. In some embodiments, a card-holder can associate an additional card with the proxy card using a mobile device. The mobile device associates the additional card with the proxy card by causing updating of stored association information, that represents an association between the card and the account data of the multiple cards, with the account information.

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 wearable payment device, such as a finger ring worn by a user, communicates payment data to a payment reader that uses the payment data in order to request a payment transaction. Such wearable payment device may be conveniently carried by and accessible to the user such that utilization of the payment device for the payment transaction is less burdensome for the user, thereby encouraging use of the payment device for payments. Indeed, in some cases, such as when the payment device is implemented as a finger ring or other type of jewelry, the user may be encouraged to carry the payment device in an exposed manner such that it is readily available for the payment transaction without the user having to search in a wallet, pocket, or purse.

Abstract: A wearable payment device, such as a finger ring worn by a user, communicates payment data to a payment reader that uses the payment data in order to request a payment transaction. Such wearable payment device may be conveniently carried by and accessible to the user such that utilization of the payment device for the payment transaction is less burdensome for the user, thereby encouraging use of the payment device for payments. Indeed, in some cases, such as when the payment device is implemented as a finger ring or other type of jewelry, the user may be encouraged to carry the payment device in an exposed manner such that it is readily available for the payment transaction without the user having to search in a wallet, pocket, or purse.