Abstract: Techniques are disclosed for enabling more efficient tipping by providing a merchant the ability to reduce the time used on manually entering tip amounts. In one embodiment, a method includes automatically generating, by a point-of-sale (POS) system, a transaction receipt that indicates a plurality of selectable tip options, wherein said automatically generating the transaction receipt is based on one or more rules specified by a user of the POS system. The method further includes causing the transaction receipt to be printed as a printed receipt. The method further includes identifying, by the POS system, a one of the plurality of selectable tip options specified by a customer on the printed receipt. Among other benefits, the disclosed techniques reduce the time and effort the merchant needs to spend on collating the tipping at end of the business day.

Abstract: Disclosed herein are systems and methods for real-time provisioning of new payment card numbers to users of a payment-service system, wherein the new payment card numbers are issued to users without activation or registration. By issuing payment card numbers in real-time and without registration, these systems and methods can provide a relatively frictionless experience for users. As such, these systems and methods can issue more payment card numbers, increase market penetration and use of the payment card numbers because the systems and methods are relatively efficient to use compared with prior methods of issuing payment card numbers.

Abstract: Techniques and arrangements for industry vertical classification of merchants using merchant signals, based, in part, on data obtained from payment activity. The techniques can include identifying one or more clusters using the data associated with the merchant and classifying and/or reclassifying the merchant within a cluster and then a class using the one or more identified clusters.

Abstract: Technology is disclosed for facilitating generation and processing of a customized promotion based on a set of factors. In some embodiments, the disclosed technology enables a particular merchant to incentivize customer business (e.g., increase customer traffic to a physical merchant location) by offering a customized promotion for placement in a receipt of a transaction with another merchant. The customized promotion, which decreases incrementally in value over time, is generated specifically for a product and/or service offered by the particular merchant. The product and/or service associated with the promotion correlates to a set of factors, including, among others, the customer's spending trend, thereby increasing the likelihood that the customer would redeem the promotion with the particular merchant in a second transaction.

Abstract: Disclosed herein are systems and methods for processing a payment request. A mobile device associated with a payor may generate a user interface having two screen portions. The first screen portion may be configured to display received and sent messages and further configured to receive a command to transmit a message. The second screen portion may be configured to access a third-party application and configured to populate a new message with a payload. The mobile device may receive an inputted amount in the second screen portion representing the payment amount. The mobile device may transmit a request including the payor's identification and the payment amount to a third-party Payment Processing System (PPS) and receive a payload from the PPS. The mobile device may populate and transmit a message to the recipient that contains the payload.

Abstract: The present disclosure relates to a manufacturing method of a graphene fiber, a graphene fiber manufactured by the same method, and use thereof. The graphene fiber formed by using graphenes of linear pattern can be applied to various fields such as an electric wire and coaxial cable.

Abstract: Examples, methods and systems described herein may include determining, by a payment processing system, whether a second payment mechanism may be used to perform a payment transaction when a first payment mechanism is preferred and/or when the first payment mechanism has failed. Determining to use the second payment mechanism can be based on (i) an analysis of a communication status indicator received from a point-of-sale (POS) terminal that indicates which payment mechanisms are capable of communicating with the POS terminal, (ii) data received from the POS terminal that is associated with a read of a payment object, and/or (iii) an allowance criterion.

Abstract: Techniques for conducting transaction(s) between a merchant and customer(s) via a. multi-device point-of-sale system are described. The multi-device POS system can include a merchant-facing device having a first processor for processing first instructions for presenting a merchant user interface (UI) on a display of the merchant-facing device. Further, the multi-device POS system can include a first customer-facing device having a second processor for processing second instructions for presenting a first customer UI. The first customer UI can enable a first customer to perform a first action associated with a first transaction. The first customer-facing device can have been coupled to the merchant-facing device at a first time. Further, the multi-device POS system can include an application, which can be stored on the merchant-facing device, a second customer-facing device, or a personal device, for presenting a second customer UI enabling performance of a second action.

Abstract: In some examples, a service provider may coordinate the placement of inventory orders for multiple merchants. The service provider may determine that multiple merchants utilize a same supplier for an item. The service provider may additionally, or alternatively, estimate that inventories of the item for the merchants will reach a threshold lower limit within a particular amount of time of each other. The service provider may designate different times for the merchants to order additional inventory of the item from the supplier.

Abstract: Techniques for securely updating a point-of-sale (POS) system that includes a merchant-facing device and a buyer-facing device are described. For instance, the merchant-facing device may execute first software that provides first POS functionality and the buyer-facing device may execute second software that provides second POS functionality. To update both devices, the merchant-facing device may receive a software update from a payment service via a network connection, and update the first software using the software update. The merchant-facing device can then cause, via a physical connection, the buyer-facing device to reboot in an update mode and send the software update to the buyer-facing device. In response, the buyer-facing device can update the second software using the software update and then reboot in a payments mode. In some instances, the buyer-facing device can then update a secure enclave on the buyer-facing device using the software update.

Abstract: Techniques and arrangements for facilitating synchronization of order ticket functionality utilized by point-of-sale (POS) devices with kitchen display systems. In some example, a POS device and a line buster device collectively receive a plurality of customer orders associated with a transaction between a merchant and plurality of customers. Based on individual customer orders, the POS device determines when to fire off the orders to the kitchen display system irrespective of the sequence in which they are received. In some examples, the kitchen display system then synchronizes with a customer device to provide real-time or near-real time updates on the status of the order.

Abstract: A wireless communication device communicates with an inductively coupled device via a wireless carrier signal that may be modulated by both the wireless communication device and the inductively coupled device. The inductively coupled signal is transmitted from a transponder antenna of the wireless communication device. The wireless communication device also includes an auxiliary antenna. The auxiliary antenna is enabled while the wireless communication device is receiving a modulated version of the wireless carrier signal from the inductively coupled device.

Abstract: A wireless communication device communicates with an inductively coupled device via a wireless carrier signal that may be modulated by both the wireless communication device and the inductively coupled device. The inductively coupled signal is transmitted from a transponder antenna of the wireless communication device. The wireless communication device also includes an auxiliary antenna. The auxiliary antenna is enabled while the wireless communication device is receiving a modulated version of the wireless carrier signal from the inductively coupled device.

Abstract: This disclosure describes, in part, techniques for synchronizing data between merchants' inventories, and techniques for utilizing the data synchronization to process cross-merchant transactions. For instance, a system may store a first inventory of items indicating first items offered for purchase by a first merchant and a second inventory of items indicating second items offered for purchase by a second merchant. The system may then analyze the first inventory of items with respect to the second inventory of items to determine that the second merchant should offer a first item from the first items for purchase at a physical establishment of the second merchant on behalf of the first merchant. The system can then provide a merchant device of the second merchant with access to the second inventory of items and the first item from the first inventory of items.

Abstract: Techniques and arrangements for generating multi-merchant loyalty programs and dynamically enrolling customers into a multi-merchant programs. The multi-merchant loyalty programs can be generated based on a determination that the merchants in respective programs are complementary, and/or the merchants being located within a threshold distance of one another. In some instances, a customer can be automatically enrolled in a multi-merchant loyalty program responsive to conducting a transaction with one of the merchants in the program. After enrollment, the customer can receive incentives to conduct transactions with the merchants in the program.

Abstract: A technique for providing a pay-by-name payment experience is disclosed. A point-of-sale (POS) system at a store receives information identifying an account with a central server from a payment card using a short-range wireless technology. In response to that, it obtains information regarding the account, including a person's name associated with the account, using the received information. It also accepts a name from a specific consumer in the vicinity. At this point, it determines whether the name accepted from the specific consumer and the name associated with the account are identical. If it determines that the two names are identical, it checks-in the consumer to the store.

Abstract: Techniques for leveraging a likelihood that a transaction (or a portion thereof) will be associated with a refund request to determine whether and/or how long to delay sending, to a payment service, a request for processing the transaction (or portion thereof) are described herein. In an example, a payment processing service may receive, from a point of sale device operated by a merchant, transaction data associated with a transaction between the merchant and a customer. The payment processing service may determine a likelihood that the customer will request a refund for a cost of an item of the transaction at a time after the transaction. Based at least partly on the likelihood, the payment processing service may determine whether to wait until at least the time before sending, to a payment service, a request to process the transaction data for at least the cost of the item.

Abstract: Batch-processing of open tabs associated with one or more customers of a merchant is described. An identifier and/or payment instrument associated with the customer may be determined and a tab data structure associated with a customer may be created. The tab data structure may be configured to store interactions between the customer and the merchant. Details of transactions between the customer and the merchant may be stored while the tab remains open. In response to determining that an event has occurred, the open tab(s) may be closed and the stored transactions may be processed via a batch-processing technique. In this way, the open tabs associated with the customer and/or the merchant may be processed in batch, thereby reducing the level of interaction and resources required of the merchant and customer to process tabs individually and reducing the amount of delayed and/or lost funds.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for determining merchant and item ratings. One of the methods includes obtaining information identifying one or more purchase transactions by users at a physical location of a merchant. One or more statistical signals are computed using the information identifying the one or more purchase transactions by the users. A quality score for the merchant is computed based on the one or more statistical signals. A rating for the merchant is computed based on the quality score.

Abstract: In one embodiment, a method includes receiving, from a computing device of a first user, a request to transfer funds from a first account associated with the first user to a second account associated with a second user. The request to transfer funds may be generated by receiving a first token at the computing device of the first user through near-field communication with a first payment card and determining that the first token is associated with the second user. The method includes sending, in response to receiving the request to transfer funds, to the computing device of the first user, a request to authorize the transfer to the second account associated with the second user. The method includes receiving, from the device of the first user, an indication of authorization, wherein the indication of authorization is generated by receiving a second token at the device of the first user.