Abstract: A terminal device includes a first communication unit that performs communication via a first short-range wireless communication method, and a second communication unit that performs communication via a second short-range wireless communication method different from the first short-range wireless communication method. The terminal device further includes an obtaining unit that obtains payment information including information on a monetary amount for goods or a service by using the first communication unit, a confirmation unit that accepts input of information indicating payment approval for the obtained payment information, and a transmission unit that, in response to acceptance of input of the information indicating the payment approval, transmits the obtained payment information to an information terminal by using the second communication unit. The information terminal communicates with a payment server via a network.

Abstract: A system and method for facilitating communication between a smart card and a terminal, the method comprising receiving a first ATR message at a first time that is within a first predetermined clock cycles after a reset; waiting for a second ATR message indicative of a successful biometric authentication from the smart card; receiving the second ATR message at a second time that is within a second predetermined clock cycles after the first time; and exchanging transaction-related messages with the smart card.

Abstract: A data signal enhancement device for adding supplemental location data to a data signal to enhance location determination is described. Additionally, a method and a computer-readable storage medium for adding supplemental location data to a data signal to enhance location determination is described.

Abstract: The disclosed embodiments provide trading circles. An example method includes defining a group having a plurality of members, wherein one or more of the plurality of members interacts with an exchange that facilitates market transactions; detecting a first interaction of a first group member with the exchange; and communicating, in response to detecting the first interaction, data related to the first interaction to a second group member before the first group member receives confirmation of the first interaction from the exchange.

Abstract: The disclosed embodiments include systems and methods for executing a point of sale deposit. In one embodiment, a system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive transaction information related to a point of sale deposit from a client device, and generate a pending deposit transaction based on the transaction information. The one or more processors may be further configured to execute the software instructions to receive a first transaction token from the client device, receive a second transaction token from a third-party device, match the first transaction token to the second transaction token, and complete the pending deposit transaction based on the match.

Abstract: The disclosed embodiments include systems and methods for executing a point of sale deposit. In one embodiment, a system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive transaction information related to a point of sale deposit from a client device, and generate a pending deposit transaction based on the transaction information. The one or more processors may be further configured to execute the software instructions to receive a first transaction token from the client device, receive a second transaction token from a third-party device, match the first transaction token to the second transaction token, and complete the pending deposit transaction based on the match.

Abstract: Method, systems, and apparatus for processing a transaction for a customer using a first device and a second device, comprising: receiving a notification from the first device, where the notification includes a selection of one or more items for purchase, where the notification includes an identifier, and where the identifier uniquely identifies both the customer and a second device; determining that the second device is in proximity to the first device as an authentication measure; in response to the determining, sending the determination to the second device, where the second device displays details regarding the selection of the one or more items for purchase; receiving, from the second device, user input indicating a confirmation of the purchase of the one or more items; submitting, to a payment processor, the details for authentication.