Abstract: A device may include one or more sources such as circuit elements and electrical components that function as sources for physically unclonable function (PUF) data. PUF data may be acquired from the PUF sources and one or more error correction codes may be applied to the PUF data. The resulting PUF values may be used to generate information that may be used for device security operations such as encryption and tamper detection.

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 updating content of menus.

Abstract: In some examples, a payment processing system may receive, from a plurality of merchant computing devices associated with a plurality of merchants, respectively, transaction data of transactions performed between the plurality of merchants and a plurality of customers. Based at least on the transaction data, the payment processing system may provide financing to an account of a first merchant, the financing including repayment terms for repayment of the financing. In addition, the payment processing system may determine that the first merchant is predicted to have a change in sales during an upcoming time period. Based on the predicted change in sales, the payment processing system may determine updated repayment terms for repayment of the financing from the first merchant, and may apply the updated repayment terms for repayment of the financing.

Abstract: A payment terminal may run a point-of-sale application that is operated by a user such as a merchant. At a certain point in the transaction, but prior to the completion of the transaction, pre-charge requests may be sent to a chip card. The responses from the chip card may be stored such that the transaction may be completed immediately after the merchant and customer complete the transaction steps.

Abstract: Techniques for processing calendar availability and consolidating appointments are described herein. In some implementations, the techniques may monitor scheduling interactions of a merchant with a calendar to schedule a merchant as unavailable in the calendar at a particular time and/or to reschedule the merchant as available at a time that is designated as unavailable. Additionally, or alternatively, the techniques may consolidate a merchant's schedule by rescheduling appointments when particular criteria are satisfied. Further, the techniques may include other features to manage a calendar and/or enhance a merchant's experience in scheduling appointments.

Abstract: Temporarily provisioning card on file payment functionality to proximate merchants is described herein. A point-of-sale (POS) application executable by a POS device associated with a merchant can store an identifier associated with payment data corresponding to a payment instrument of a customer for use in future transactions with the customer. A payment processing service can determine other merchant(s) that subscribe to services of the payment processing service are participating in an event with the merchant and can receive a request to provision the payment data to the other merchant(s) to enable the other merchant(s) to use the identifier to complete transaction(s) with the customer without requiring the customer to present the payment instrument in association with the transaction(s). The payment processing service can provision the identifier to other POS device(s) of the other merchant(s) for temporarily storing the identifier on individual POS devices of the other POS device(s).

Abstract: A payment handling system may operate to handle payments for the cost of a transaction in which one or more devices operate in an offline mode. The payment handling system may allow for merchant devices to make modifications to local versions of an open ticket while in an off-line mode. When a merchant device subsequently enters an online mode, the systems and techniques may operate to reconcile differences between the local versions of the open ticket.

Abstract: In some examples, a system and method for generating a payment instrument are described. The method includes receiving a unique signature that a recipient intends to associate with the payment instrument; verifying that the received feature meets an acceptability criterion; generating a representation of the received signature, wherein the representation is in a form capable of being physically associated with the payment instrument, and wherein association is established by embedding or exposing the representation on the payment instrument; and causing physical generation of the payment instrument having associated therewith the representation of the signature.

Abstract: Sever-based order persistence and/or fulfillment is described herein. In an example, server(s) associated with a payment processing service may receive, from a point-of-sale (POS) device associated with a merchant, an order associated with at least one item available for purchase from a physical location of the merchant. The server(s) may store the order in a storage data structure. In an example, the server(s) may determine an occurrence of a trigger event and may update a status of the order based at least in part on the trigger event. In some examples, the trigger event may correspond to an interruption in a connection with the POS device, fulfillment of the order, etc. The status of the order can indicate whether the order is to be sent to the POS device, removed from the storage data structure, etc.

Abstract: This disclosure describes, in part, techniques for generating predictive models based on past transaction data and/or future-event data to predict: (i) when an account of user is expected to fall below a minimum balance associated with that user, and/or (ii) when an account has surplus funds that may safely be moved to a higher-yield account for some amount of time. In response to determining a predicted time at which an account is expected to fall below the minimum balance, the techniques may generate an offer to extend capital to the user prior to the predicted time. In response to determining that a user has or will have surplus funds, the techniques may generate an offer to move some or all of these surplus funds into a separate account providing a higher yield than the primary account of the user.

Abstract: Payment readers can variously have kernels of different generations, capable of performing different (or different suites of) payment processing functions. A payment reader may be designed to obtain raw payment data from a payment device, process that data if appropriate, and transmit the data to a mobile device external to the payment reader, the mobile device having similar, more, or different processing resources than the payment reader. A mobile device is capable of determining the type and source of payment data received, for example on whether the data is processed or raw (processed data). The mobile device may then selectively determine whether and how to process the payment data and to transmit it to a payment server for approval of a payment transaction.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for associating payment information from a payment transaction with a user account. One of the methods includes receiving an indication of a payment transaction between a customer and a merchant, wherein the payment transaction is associated with payment information. A customer parameter that identifies an account with the payment service system is received. If the customer has consented to associate the payment information with the account of the payment service system based on receiving the customer parameter that identifies the account with the payment service system, the account is identified based on the received customer parameter, and the payment information is associated with the identified account of the payment service system.

Abstract: A circuit board is protected by being enclosed in a security housing that includes conductive tamper traces running along its interior surface, the conductive tamper traces being a housing portion of a tamper detection circuit. The tamper detection circuit also includes a board portion that detect tampering with the tamper detection circuit by monitoring voltages at monitor nodes along the board portion. The board portion of the tamper detection circuit is connected to the tamper traces via multiple connector pieces. The connector pieces can be held in place by board connector piece holders affixed to the board or housing connector piece holders of the housing. When tampering is detected, it can be localized based on voltages measured at multiple recesses along the housing. The tamper detection circuit can be arranged in a wheatstone bridge layout for environmental tolerance. The circuit board's functions/components can be disabled if tampering is detected.

Abstract: A transaction object reader receives a signal from a user's transaction object when the user's transaction object is in proximity with the transaction object reader. This signal is conveyed from the transaction object reader to a secure processor that reads transaction information from the signal, generates a processed dataset by encrypting or otherwise processing the transaction information, and outputs the processed dataset to a main processor, which uses the processed dataset to conduct a transaction. The signal from the transaction object reader is also conveyed along a second path that bypasses the secure processor, instead going to a filter that filters the signal to attenuate the transaction information and then going to the main processor, which uses the filtered signal to provide feedback to the user identifying how close the transaction object is to the transaction object reader.

Abstract: A payment terminal such as a payment reader may receive and form electrical connections with an electronic transaction card such as an EMV chip card. The payment terminal may provide power to the electronic transaction card and engage in communications with the electronic transaction card. Based on information received from the electronic transaction card, the payment terminal may predict the locations of data objects that must be accessed in order to process transactions. The data objects may be accessed based on the predictions and the transaction may be processed.

Abstract: This disclosure describes, in part, techniques for utilizing proxy contact information in order to allow merchants to communicate with customers. For instance, a payment service may receive, from a first merchant device, payment information and first contact information for a customer during a first transaction. The payment service may then associate the payment information with the first contact information. Next, the payment service may receive the payment information from a second merchant device during a second transaction. Based on receiving the payment information, the payment service may identify the first contact information using the association between the payment information and the first contact information, generate second contact information for the customer, associated the second contact information with the first contact information, and send the second contact information to the second merchant device.

Abstract: This disclosure describes, in part, techniques for automated integration between services provided by a service provider. The techniques described herein employ classifiers to determine whether items offered for sale by a merchant are services or goods. A service-identification model may receive names of items as inputs, and be trained or otherwise configured to output indications of whether the names of the items correspond to services. In some examples, the names of the items which correspond to services may further be input into a duration-identification model, which is trained or otherwise configured to determine periods of time required by the merchant to perform the services. The techniques described herein may include populating user interfaces, such as a merchant website, with indications of the services, as well as periods of time to perform the services, that customers may interact with to schedule appointments with the merchant.

Abstract: Technology is disclosed for transferring money anonymously between a sender and a recipient by use of a token. In some embodiments, the disclosed technology involves communication between a mobile payment application (“App”) and a payment service system (PSS). Upon the recipient's request, the App, installed on the recipient's device, generates the token, and provides the token to both the recipient and the PSS. The PSS receives both the token and the recipient's identification information from the App, associates the token with the identification information, and stores such association. The recipient, on the other hand, transfers the token to the sender, who forwards it to the PSS to request a money transfer. The PSS receives the token and identifies the recipient's identification information based on the previously stored association with the token. With the identification information, the PSS determines the recipient's financial account to execute the money transfer.