Abstract: Systems and methods are disclosed embodying techniques directed to, in association with a transaction between a payor and a payee, determining a parameter associated with at least one of the payee, payor, or transaction. Methods and systems further include dynamically determining, based on the parameter, a customized transaction flow for the payee, wherein the customized transaction flow comprises a set of operations for completing the transaction. Method and systems are further directed to causing one or more user interfaces corresponding to one or more of the set of operations to be presented via a user device of the payor for execution of the set of operations.

Abstract: A payment service system (PSS) can receive in a first payment transaction between a customer and a first merchant, from a first point-of-sale (POS) device, payment information from a payment instrument and first biometric input captured at the first POS device in association with reading of the payment information. An association between the first biometric input and the payment information can be stored. The PSS can receive, in a second payment transaction, from a second POS device at a second merchant, second biometric input captured at the second POS device. The PSS can identify, based on the second biometric input and the association, without any additional identifier from the customer, the payment information read at the first POS device. The PSS can facilitate the second payment transaction with the payment information read from the payment instrument.

Abstract: A payment service system (PSS) can receive an identifier and first transaction information, which can include payment card information, from a first merchant system of a first merchant for a first payment transaction with a customer. An association between the identifier and the first transaction information can be stored. The PSS can receive the identifier from a second merchant system of a second merchant for a second payment transaction with the customer in which the customer provided the identifier instead of a payment card. Based at least in part on the identifier and the stored association, the PSS can identify the payment card information and contact information. A confirmation can be transmitted to a customer device using the contact information, and a confirmation response can be received from the customer device. The PSS can execute a transfer of a payment amount to the second merchant.

Abstract: Methods and systems directed to scanning, by an imaging device associated with a customer computing device, a Quick Response (QR) code displayed on a merchant computing device; decoding, by an application on the customer computing device, data embedded in the QR code; identifying, by the customer computing device and based on the decoded data, a uniform resource locator (URL) associated with a web page of the merchant, wherein the URL includes a payment proxy associated with the merchant; presenting the web page on the customer computing device; transmitting, by the customer computing device, an indication of interaction with the web page comprising an intent to purchase item(s) offered for sale via the web page; and receiving, by the customer computing device, an indication of completion of a payment for the item(s) facilitated by parsing the payment proxy server(s) of a payment processing system.

Abstract: In some examples, a point-of-sale (POS) device may detect an offline mode that prevents the POS device or one or more other devices (which couple with the POS device via a short-range network) from communicating with a remote server via a long-range network. Responsive to detecting the offline mode, the POS device may authenticate the other devices to communicate over the short-range network and synchronize, between the POS and the other devices, information associated with an order over the short-range network. In response to detecting that the offline mode has concluded, the POS device may transmit the information from the POS device or at least one of the other devices to the remove server via the long-range network.

Abstract: Techniques disclosed include receiving, via a user interface of a first device associated with a first user, an input indicating an amount of funds to be transferred from a first user's financial account to a second user's financial account without identifying another user to whom the funds will be transferred; detecting, using an NFC wireless network, a second device that is in physical proximity of the first device, the second device being associated with a second user, wherein each of the first user and the second user have respective accounts registered with a payment service system; sending, by the first device and via the NFC wireless network, an electronic message requesting or sending a payment in the amount of the funds to the second device; and transmitting a notification to the payment service system to process the payment between the first user and the second user.

Abstract: In one embodiment, a method includes receiving first payment data and a first identifier of a first user, wherein the first payment data is linked to the first identifier and stored in a datastore of the payment service and in association with a first user account of the payment service; receiving, second payment data and a second identifier of a second user, wherein the second payment data is linked to the second identifier and stored in the datastore and in association with a second user account of the payment service; receiving a request for a near-instantaneous transfer of a payment for a transaction between the first user and the second user, the request including the first identifier; and in response to receiving the request, identifying the first user account and the second user account; and causing the near-instantaneous transfer of the payment to a financial account of the first user.

Abstract: A method of processing a transaction between a customer and a merchant includes receiving from a mobile device of the customer or from another device of the customer an indication of consent to perform a cardless payment transaction with the merchant, receiving from the mobile device an indication that the customer is within a predetermined distance of the merchant, after receiving both the indication of consent and the indication that the customer is within the predetermined distance, sending to a computer system of the merchant an indication of the presence of the customer and personal identifying information for the customer, receiving data indicating a transaction between the customer and the merchant, and submitting the transaction to a financial service for authorization.

Abstract: Described is a technology that enables a customer, who uses a payment card in a transaction and further provides an identifier in the same transaction, to use the identifier as a payment mechanism in future transactions. In some embodiments, the technology involves communication between a customer's user device, a payment service system (PSS), and one or more merchant point-of-sale (POS) systems. A merchant POS system collects information in a transaction between the merchant POS system and the customer, including the customer's contact information (e.g., telephone number), and forwards this information to the PSS. The PSS stores the information as an identifier, and the identifier is stored in association with the payment card. In a second transaction, the PSS sends a verification request to the user device based on the identifier (e.g., a text message), and processes the transaction upon confirmation from the customer.

Abstract: Techniques disclosed include systems and methods including, in association with a transaction between a first payer and a payee, determining a second payer that is associated with the transaction. Techniques include receiving specification of a portion of a payment amount associated with the transaction to be requested from the second payer. Techniques include, upon receiving an indication from the first payer to request payment of the portion of the payment amount from the second payer, transmitting an identifier associated with the second payer and the specified portion of the payment amount to a remote server. The remote server can be configured to transmit a request to a second mobile device associated with the second payer to permit a transfer of the portion of the payment amount from the financial account of the second payer in association with the transaction.

Abstract: In particular embodiments, techniques include receiving, from a computing device of a user of a financial service, a request to allocate deposits of funds from a payor between financial accounts of a user, wherein the user, payor, and financial accounts are associated with respective identifiers, and each financial account is associated with a ledger maintained by the financial service. A deposit is received that indicates the user, payor, and amount. It is determined that the deposit is one of the deposits of funds associated with the request to allocate. The particular allocation between the financial accounts is determined, and each portion is caused to be deposited in the respective account. The ledgers are then updated to reflect the deposits.

Abstract: In one embodiment, a method includes obtaining, by a payment service system, an amount of security assets via a securities exchange system. The method includes determining amounts of security assets owned by the payment service system and users of the payment service system. The method includes receiving, via an application of the payment service system executing on a device of a user of the payment service system, a request from the user to sell an amount of a security asset owned by the user. The method includes facilitating execution of a sale of the amount of security assets. The method includes, prior to the sale request settling, depositing, by the payment service system, a currency account of the user with an amount of funds associated with a determined value of the security asset requested to be sold by the user.

Abstract: In one embodiment, a method includes receiving a request for payment associated with a transaction between a first user and a second user, where the request specifies a payment amount in a fiat currency and identifying an indication that the first user intends to satisfy the request for payment using a non-fiat instrument. The method also includes initiating a first transfer of a value corresponding to the payment amount in the non-fiat instrument from a first balance of the first user to one or more service balances of a payment service and initiating a second transfer of a value corresponding to the payment amount in the fiat currency from the one or more service balances of the payment service to a second balance of the second user.

Abstract: In particular embodiments, techniques include receiving a request to establish an automated transaction that includes transferring funds from a first financial account to a second financial account. The automated transaction occurs in a plurality of instances. The techniques include determining that a next instance of the automated transaction is to be executed and, prior to executing the next instance, predicting a future balance of the first financial account as a result of executing the next instance. The techniques include determining that the predicted future balance is below a threshold amount and automatically postponing the next instance until the predicted future balance exceeds the threshold amount. The techniques include, upon determining that the predicted future balance exceeds the threshold amount, automatically executing the next instance by causing a transfer of funds from the first financial account to the second financial account.

Abstract: In one embodiment, techniques include a method of handling transactions for a pack of security assets. The method includes identifying a subset of a set of security assets for inclusion in the pack of security assets to be recommended to a user based on an analysis of one or more criteria associated with the user. The method includes causing an electronic device to display a user interface to facilitate a purchase of the pack. The method includes, in response to determining a user selection corresponding to a request to purchase the pack and a specified value of currency: calculating a number of base units of each security asset based on the existing value of a base unit of each security asset, including a fractional portion of the base unit; and assigning, for each security asset, ownership of the calculated number of base units of each security asset to the user.

Abstract: In some examples, a payment system receives, from a sender device of a sender, a message sent to multiple recipients that includes identifying information of the multiple recipients. The message is associated with a payment between the sender and each of the multiple recipients. The payment system generates an electronic invoice based on the message, and sends, using the identifying information, the electronic invoice to each of the multiple recipients. The electronic invoice includes an interactive element, particular to a receiving recipient, from which the receiving recipient is able to confirm payment to the sender. Upon receiving confirmation, the payments system withdraws funds from accounts of each of the multiple recipients for deposit into an account of the sender, and each of the accounts is identifiable based at least in part on the identifying information in the message.

Abstract: In some examples, a system associates a first proxy identifier (ID) with a financial account of a user. The first proxy ID has a syntax including a symbol followed by a first string of one or more characters comprising at least one letter. The system generates a second proxy ID having the syntax including the symbol followed by a second string. The system associates the second proxy ID with the first proxy ID based on a configured rule that automatically allocates at least a portion of funds received via the second proxy ID to the financial account associated with the first proxy ID. Based on detecting the second proxy ID in a message, the system initiates a transfer of funds from a financial account of the sender of the message, and at least some of the transferred funds are transferred to the user's financial account based on the configured rule.

Abstract: Systems and methods are disclosed embodying techniques directed to, in association with a transaction between a payor and a payee, determining a parameter associated with at least one of the payee, payor, or transaction. Methods and systems further include dynamically determining, based on the parameter, a customized transaction flow for the payee, wherein the customized transaction flow comprises a set of operations for completing the transaction. Method and systems are further directed to causing one or more user interfaces corresponding to one or more of the set of operations to be presented via a user device of the payor for execution of the set of operations.

Abstract: A method of processing a transaction between a customer and a merchant includes receiving from a mobile device of the customer or from another device of the customer an indication of consent to perform a cardless payment transaction with the merchant, receiving from the mobile device an indication that the customer is within a predetermined distance of the merchant, after receiving both the indication of consent and the indication that the customer is within the predetermined distance, sending to a computer system of the merchant an indication of the presence of the customer and personal identifying information for the customer, receiving data indicating a transaction between the customer and the merchant, and submitting the transaction to a financial service for authorization.