Abstract: Apparatus for processing of transaction information, wherein transaction information relating to transactions with a payment card is transformed into a plurality of geographic sums (614, 616, 618) such that for each transaction a geographic location where the transaction took place is recognized in relation to an electronic geographic map, and monetary values of transactions performed in the same geographic location within a predetermined margin are added up to form geographic sums (614, 616, 618).

Abstract: Apparatus for processing of transaction information, wherein transaction information relating to transactions with a payment card is transformed into a plurality of geographic sums (614, 616, 618) such that for each transaction a geographic location where the transaction took place is recognized in relation to an electronic geographic map, and monetary values of transactions performed in the same geographic location within a predetermined margin are added up to form geographic sums (614, 616, 618).

Abstract: Apparatus and method are provided. The solution includes displaying (302) information on a retailer related benefit: detecting (304) a reclaiming action related to the benefit; transmitting (306) to a network server message including information on the reclaiming action; receiving (308) from the network server a timestamp related to the reclaiming action and a timestamp related to the expiration time of the benefit; and controlling (310) a timer to calculate the time difference of between the timestamps and displaying the timer.

Abstract: Communication between a retailer and a customer is disclosed. A payment card and a communication identifier addressing a wireless transceiver of a mobile apparatus are registered to an electronic service. The mobile apparatus receives, with the wireless transceiver, a plurality of packets relating to payments with the payment card of a plurality of trades of various commodities between the user and a plurality of various retailers, from the electronic service, extracts from the received plurality of the packets transaction information relating to the payments and supplementary information, and communicates, with a user interface, the extracted transaction information and the supplementary information to the user.

Abstract: Communication between a retailer and a customer is disclosed. A payment card and a communication identifier addressing a wireless transceiver of a mobile apparatus are registered to an electronic service. The mobile apparatus receives, with the wireless transceiver, a plurality of packets relating to payments with the payment card of a plurality of trades of various commodities between the user and a plurality of various retailers, from the electronic service, extracts from the received plurality of the packets transaction information relating to the payments and supplementary information, and communicates, with a user interface, the extracted transaction information and the supplementary information to the user.