Abstract: Techniques and arrangements for facilitating synchronization of open ticket functionality utilized by point-of-sale (POS) devices with kitchen display systems. In some example, a POS device associated with a merchant receives customer orders associated with transaction between the merchant and customer(s). The customer orders originate both from user input to the POS device and from an application(s) executing on a separate device. The POS sends the customer orders to a kitchen display system (KDS) associated with the merchant. The KDS aggregates the orders and, responsive to the aggregating, causes presentation of the orders.

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: Contextual routing and/or management of communications is described. Server(s) of service provider can receive a first communication via a first communication channel. The first communication can be associated with a first service offered by the service provider and with a merchant identifier of a merchant that is an intended recipient of the first communication. The server(s) can generate, based at least partly on context data associated with the first communication, a recommendation for the merchant to respond via (i) a second communication channel that is different than the first communication channel and/or (ii) a second service that is different than the first service. The server(s) can cause the first communication and the recommendation to be presented via a consolidated communication user interface of a computing device of the merchant that presents (i) the first communication and (ii) a second communication between the merchant and a second customer of the merchant.

Abstract: A payment reader can have one or more kernels capable of performing certain payment processing functions but not capable of performing certain, more processing-intensive payment processing functions. The payment reader may be designed to selectively assign processing tasks to application layer kernels located on a mobile device and/or a cloud-based device external to the payment reader, the mobile device having more or different processing resources than the payment reader. The selective assignment may be made dynamically based on the measurement of a condition of the reader or an occurrence of an event, such as a determination that the payment reader cannot process a transaction, that the payment reader does not have sufficient battery strength to process the transaction, or that there has been a tampering attempt at the payment reader. The payment reader also has a physical layer module, which module maintains its processing on the payment reader.

Abstract: Techniques for integrating a payment processing platform (PPP) and a payment making platform (PMP) for differentiated payment allocations using cryptocurrency is described. The PPP can receive a request to receive funds in cryptocurrency, wherein the funds are associated with transaction(s) conducted via point-of-sale (POS) software provided by the PPP. Based on the request, a cryptocurrency wallet account for the merchant can be accessed via the PMP. The PPP can associate a merchant account of the merchant with the cryptocurrency wallet account. The PPP can receive, via the POS software associated with the merchant, payment authorization request(s) associated with the transaction(s) and cause (i) a first portion of the funds to be deposited as cryptocurrency into the cryptocurrency wallet account and (ii) a second portion of the funds to be deposited as fiat currency into the merchant account.

Abstract: Introduced here is a technology that enables a merchant to create customer-targeted, customized communications by use of a merchant platform executing on a financial service system. The merchant platform generates content for communications that is based on a particular customer segment. The customer segment includes one or more groups of customers segmented based on one or more attributes associated with each group of customers. An attribute is determined based on data collected by the financial service system, where the data is related to transaction data of a plurality of merchants.

Abstract: Techniques for optimizing capital loan offers for merchants to maximize a potential benefit of the capital loans to the merchants. A service provider may receive merchant data and/or transaction data from a merchant. The service provider may determine merchant characteristics associated with the merchant based on the merchant data and/or transaction data. The service provider may associate the merchant with a merchant group, based on the merchant characteristics. The service provider may access data corresponding to capital loans previously offered to and/or accepted by merchants in the merchant group, to determine predictive factors of successful loans. Based on the predictive factors, the service provider may generate a capital loan for the merchant with a high probability of positive impact on a merchant business. The service provider may transmit a capital loan oiler to the merchant at a time determined to maximize acceptance and optimize a growth of the merchant business.

Abstract: A user interface can display a rendering associated with an interactive layer corresponding to one or more rendered elements of the rendering. Based at least partly on receiving an indication of an interaction with the user interface, a new rendered element can be displayed on the user interface. Based at least in part on information associated with the one or more rendered elements, a position in the interactive layer closest to a position of the new rendered element on the user interface can be determined and a rendered marking can be displayed at or near the position in the interactive layer that is closest to the position of the new rendered element. Based at least in part on a determination that the new rendered element is to be positioned at or near the position in the interactive layer, the rendering can be updated.

Abstract: This disclosure describes, in part, techniques for enabling a merchant or other user to obtain needed capital by financing the cost of individual items after the merchant or other user has acquired the item(s) using a financial instrument, such as a credit card, debit card, or the like. For example, an example merchant may purchase, through the course of a month or other time period, multiple items for operation of their business using a credit card provided by a financial institution. Thereafter, a service provider may aggregate these purchases and enable the merchant to request to finance individual item(s). In response to receiving such a request, the service provider can solicit offers from an array of lenders.

Abstract: Onboarding via image procurement is described. In an example, an image of an item to be integrated into a forthcoming content item to be presented via an ecommerce channel associated with an ecommerce service provider is received. An inactive content item, including at least the image of the item, can be generated for the merchant. Responsive to determining that the merchant has claimed the inactive content item, (i) a state of the inactive content item can be modified to an active content item and (ii) the active content item can be caused to be presented via the ecommerce channel to enable the merchant to offer at least the item for sale.

Abstract: A system and environment to enable entities to utilize delivery services provided by a service provider are described herein. In some examples, the service provider exposes the delivery services to a computing device associated with a merchant, buyer, and/or others using one or more Applicant Programming Interfaces (APIs) provided by the service provider. The one or more APIs may enable merchants and/or others to automatically integrate the delivery services into technologies used by the merchants and/or others in order to facilitate delivery of items that are offered for acquisition by the merchants.

Abstract: A payment processing device can implement a monitoring system to detect for tamper attempts at a chip card interface. The monitoring system can establish a baseline when no chip card is present in the chip card interface, or in some embodiments, when it is known that an authentic chip card 14 is present in the slot 21. During subsequent evaluations of the chip card interface by the monitoring system, a response received by the monitoring system that deviates from the baseline can indicate that a tamper attempt at the chip card interface may have occurred. If a tamper attempt is determined by the monitoring system, a remedial or corrective action can be taken.

Abstract: A consumer terminal for a point-of-sale (POS) system used in performing a POS transaction between a merchant and a consumer. The consumer terminal includes a display, a touch panel, first electronics in a physically secure area and second electronics in a non-secure area. The first electronics are configured to display a series of screens to guide a consumer through the POS transaction. The second electronics comprises a microcontroller and a secure processor. Upon receiving a request for secure data from the non-secure processor, the secure processor sends a notification to the non-secure processor to exit pass-through mode and enter a secure touch mode. Upon completion of PIN entry, the secure processor instructs non-secure processor to exit secure touch mode and return to pass-through mode.

Abstract: This disclosure describes techniques and arrangements for splitting one or more items from a ticket to another ticket. Some techniques and arrangements facilitate the splitting of one or more items from an open ticket to one or more split tickets. In some implementations, a foster ticket is utilized to account for items associated with split tickets. Other techniques and arrangements include providing split ticket suggestions. In some implementations, split ticket suggestions are provided based on historical ticket information and/or customer information.

Abstract: Techniques and arrangements for facilitating synchronizing data structures between devices using application programming interfaces (APIs) are described. In some examples, two devices may try to synchronize a data structure between one another by sending and receiving data for the data structure. However, each device may include hardware and/or software that is different than, and not compatible with, the other device. As such, the application describes a service that provides a first device an API for sending the service information for a transaction. The service uses the information to create a data structure for the transaction, and then sends the data structure to a second device. The second device can receive data structure from the service. After receiving the data structure, the service can process the transaction.

Abstract: In some examples, a service computing device receives an indication that a buyer associated with a buyer profile has selected a first item to purchase from a first merchant site. The service computing device associates information related to the first item with a persistent virtual cart associated with the buyer profile. The service computing device receives an indication that the buyer has selected a second item to purchase from the second merchant site. The service computing device associates information related to the second item with the buyer profile. The service computing device receives, from a buyer device, an indication of intention to purchase the items in the persistent virtual cart. Consequently, the service computing device may send an order for the first item to a computing device associated with the first merchant and an order for the second item to a computing device associated with the second merchant.

Abstract: This disclosure describes, in part, a payment service that associates customer profiles with an identifier of a payment instrument, and then uses the customer profiles to identify a customer that is using the payment instrument during a transaction with a merchant. For instance, in some examples, the payment service can identify preferences of customers using transaction information that includes an identifier for a payment instrument, and associate the preferences with respective customer profiles. The payment service can then receive transaction information associated with a transaction between a customer and a merchant, identify preferences of the customer using the transaction information, compare the preferences of the customer with preferences stored in the customer profiles, and identify the customer based on the comparing. The payment service can further generate a receipt for the transaction and send the receipt to contact information of the customer.

Abstract: Described herein is a centralized order computing system that is configured to receive orders from a plurality of sources. The plurality of sources can include delivery applications, remote customer computing devices, and/or service computing devices associated with a merchant. The centralized order computing system may be configured to receive a plurality of orders from the plurality of sources, send the plurality of orders to a kitchen computing system associated with the merchant, receive a notification of order completion, and process the order.

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: In one embodiment, a method includes receiving, by a payment service system (PSS) from a first device associated with a first user, a request to borrow an amount from a second user. The first user is associated with a first user account and the second user is associated with a second user account, both of which are maintained by the PSS. The method includes in response to receiving the request, identifying, by the PSS, a first transaction history associated with the first user account and a second transaction history associated with the second user account in a data store of the PSS. The method includes determining, by the PSS, repayment terms to be associated with the request to borrow the amount based on the first transaction history and the second transaction history.