Abstract: There are provided systems and methods for wireless beacon connections for providing digital letters of credit on detection of a user at a location. A payment provider may authorize use of one or more wireless beacons at a merchant location. When a user arrives at the merchant location, the user may be checked in through a communication device in possession of the user. Once checked in to the merchant location, the payment provider may determine and amount of credit to extend to the user based on the user's credit worthiness (for example, their credit rating, asset to debt ratio, etc.). The payment provider may then generate a letter of credit, which the payment provider may limit in use by time, location, etc. The payment provider may communicate the letter of credit to the user for use at the merchant location.

Abstract: Systems and methods are provided for facilitating wireless connections using a Bluetooth® low energy (BLE) beacon installed at a location. In particular, the provided systems and methods may facilitate wireless connections by providing credentials for accessing a wireless network at the location when a user checks in to the location using a user device in communication with the BLE beacon. The provided systems and methods may further facilitate wireless connections by establishing a Wi-Fi Direct connection with the user device to quickly provide content to the user device while at the location.

Abstract: Systems and methods for managing concurrent secure elements on a mobile device to coordinate with an application or “app” running on the mobile device and an appropriate communications protocol for conducting transactions using the mobile device include: informing, by the processor, the reader device of a preferred app and a communication protocol usable by the preferred app; receiving, by the processor, information about which apps and communication protocols are supported by a reader for processing a transaction; locating, by the processor, a secure element supporting an app and a communication protocol supported by the reader; channeling the communication protocol for the specific configuration of the app and the supporting secure element; activating the secure element that supports the app; and processing, with the activated secure element, using the supported app and communication channel, the transaction with the reader.

Abstract: The present disclosure involves a method of verifying user check-ins to a venue. The method includes initializing a digital check-in chain for a venue. The method includes expanding, electronically by a processor, the check-in chain with a plurality of check-in entries that each correspond to a visit to the venue by a respective user. Each check-in entry on the check-in chain is generated in response to one or more preceding check-in entries on the check-in chain. The method includes detecting fraudulent check-in entries in response to a split in the check-in chain. The method includes removing the fraudulent check-in entries from the check-in chain.

Abstract: Computing systems and methods for facilitating consumer transactions in retail and other establishments include communication interfaces adapted to couple a computing system to a plurality of third party phones or other mobile electronic devices, storage components adapted to store user information, participating merchant information, or any combination thereof, and processors in communication with the communication interfaces and storage components. The processors are adapted to facilitate the automatic wireless checkins of third party users of the third party phones or other mobile electronic devices at participating merchants. Such automatic wireless checkins take place when the third party phones or mobile electronic devices are simply present at the participating merchants, without any affirmative activity by the users at the participating merchants.

Abstract: Systems and methods for reusing generic tokens using a Bluetooth® low energy (BLE) beacon. The systems and methods include a user device including a wireless transceiver, a memory for storing a generic token, and one or more processors coupled to the memory and the wireless transceiver. The wireless transceiver is configured to communicate with a beacon using a BLE communications protocol, receive a beacon identifier from the beacon, send a check in request to the beacon, and receive token differences from the beacon. The processors are configured to recreate a custom token based on the stored generic token and the received token differences. The beacon is configured to forward the check in request to a server. The server is configured to verify the user device and create the custom token and the token differences between the custom and generic tokens for return to the user device via the beacon.

Abstract: There are provided systems and methods for wireless beacon connections for providing digital letters of credit on detection of a user at a location. A payment provider may authorize use of one or more wireless beacons at a merchant location. When a user arrives at the merchant location, the user may be checked in through a communication device in possession of the user. Once checked in to the merchant location, the payment provider may determine and amount of credit to extend to the user based on the user's credit worthiness (for example, their credit rating, asset to debt ratio, etc.). The payment provider may then generate a letter of credit, which the payment provider may limit in use by time, location, etc. The payment provider may communicate the letter of credit to the user for use at the merchant location.

Abstract: Systems and methods for managing concurrent secure elements on a mobile device to coordinate with an application or “app” running on the mobile device and an appropriate communications protocol for conducting transactions using the mobile device include: informing, by the processor, the reader device of a preferred app and a communication protocol usable by the preferred app; receiving, by the processor, information about which apps and communication protocols are supported by a reader for processing a transaction; locating, by the processor, a secure element supporting an app and a communication protocol supported by the reader; channeling the communication protocol for the specific configuration of the app and the supporting secure element; activating the secure element that supports the app; and processing, with the activated secure element, using the supported app and communication channel, the transaction with the reader.

Abstract: There are provided systems and methods for drive through monitoring using wireless beacons. A merchant may set up a wireless beacon at a drive through location for the merchant. The beacons may provide check-in services to a user when the user arrives at the drive through in a vehicle. The user may be checked-in through a device for the user, such as a mobile phone or a vehicles dashboard console that has communication capabilities with the beacon. Once the device establishes a communication channel with the beacon, check-in information or an identifier is received and associated with an order. The order may previously have been provided to the merchant. The user can complete payment for the order through the device and when the user arrives at a pick-up window, the merchant may utilize another beacon to connect to the device and retrieve the correct order for the user.

Abstract: Systems and methods are disclosed which may allow a merchant to wirelessly transmit accepted forms of payment using a beacon installed in the merchant location or near the merchant location. A consumer having a device capable of receiving the wireless transmission may receive the accepted forms of payment and have them displayed on a screen of the device. The device may also send the accepted forms of payment to a remote server that has issued the consumer a programmable credit card such that the remote server can program the credit card based on the forms of payment accepted by the merchant.

Abstract: Systems and methods are provided for configuring a user device to provide a preferred payment method for payments. When a user carries their device into a store, the device may receive information from a beacon at the store that informs the device that the user is at the store. The user device may the use the information to determine which of several payment methods will provide a maximum benefit to the user if used for a payment at that store. The benefits to the user may include points, store rewards, miles, cash back rewards or other rewards associated with a particular payment method that, at a particular time or location provide more benefit to the user than other payment methods. The user device may be configured to provide the preferred payment method prior to a communication between the user device and a point of sale device of the store.

Abstract: The present disclosure involves a method of verifying user check-ins to a venue. The method includes initializing a digital check-in chain for a venue. The method includes expanding, electronically by a processor, the check-in chain with a plurality of check-in entries that each correspond to a visit to the venue by a respective user. Each check-in entry on the check-in chain is generated in response to one or more preceding check-in entries on the check-in chain. The method includes detecting fraudulent check-in entries in response to a split in the check-in chain. The method includes removing the fraudulent check-in entries from the check-in chain.

Abstract: There are provided systems and methods for wireless beacon connections for providing digital letters of credit on detection of a user at a location. A payment provider may authorize use of one or more wireless beacons at a merchant location. When a user arrives at the merchant location, the user may be checked in through a communication device in possession of the user. Once checked in to the merchant location, the payment provider may determine and amount of credit to extend to the user based on the user's credit worthiness (for example, their credit rating, asset to debt ratio, etc.). The payment provider may then generate a letter of credit, which the payment provider may limit in use by time, location, etc. The payment provider may communicate the letter of credit to the user for use at the merchant location.

Abstract: Systems and methods for managing concurrent secure elements on a mobile device to coordinate with an application or “app” running on the mobile device and an appropriate communications protocol for conducting transactions using the mobile device include: informing, by the processor, the reader device of a preferred app and a communication protocol usable by the preferred app; receiving, by the processor, information about which apps and communication protocols are supported by a reader for processing a transaction; locating, by the processor, a secure element supporting an app and a communication protocol supported by the reader; channeling the communication protocol for the specific configuration of the app and the supporting secure element; activating the secure element that supports the app; and processing, with the activated secure element, using the supported app and communication channel, the transaction with the reader.

Abstract: Systems and methods for reusing generic tokens using a Bluetooth® low energy (BLE) beacon. The systems and methods include a user device including a wireless transceiver, a memory for storing a generic token, and one or more processors coupled to the memory and the wireless transceiver. The wireless transceiver is configured to communicate with a beacon using a BLE communications protocol, receive a beacon identifier from the beacon, send a check in request to the beacon, and receive token differences from the beacon. The processors are configured to recreate a custom token based on the stored generic token and the received token differences. The beacon is configured to forward the check in request to a server. The server is configured to verify the user device and create the custom token and the token differences between the custom and generic tokens for return to the user device via the beacon.

Abstract: Systems and methods are provided for facilitating wireless connections using a Bluetooth® low energy (BLE) beacon installed at a location. In particular, the provided systems and methods may facilitate wireless connections by providing credentials for accessing a wireless network at the location when a user checks in to the location using a user device in communication with the BLE beacon. The provided systems and methods may further facilitate wireless connections by establishing a Wi-Fi Direct connection with the user device to quickly provide content to the user device while at the location.

Abstract: Systems and methods are provided for checking many users in to a location using a Bluetooth® low energy (BLE) beacon. The provided systems and methods may allow a BLE beacon to facilitate a check in with a remote server that processes check ins and then disconnect from the device used to check in. The device may be assigned a unique identifier that may be broadcast from the device during the check in so that the BLE beacon can quickly scan for the identifier and connect with the device based on the identifier to provide content and other information to the device.

Abstract: There are provided systems and methods for wireless beacon connections for providing digital letters of credit on detection of a user at a location. A payment provider may authorize use of one or more wireless beacons at a merchant location. When a user arrives at the merchant location, the user may be checked in through a communication device in possession of the user. Once checked in to the merchant location, the payment provider may determine and amount of credit to extend to the user based on the user's credit worthiness (for example, their credit rating, asset to debt ratio, etc.). The payment provider may then generate a letter of credit, which the payment provider may limit in use by time, location, etc. The payment provider may communicate the letter of credit to the user for use at the merchant location.

Abstract: Systems and methods are provided for configuring a user device to provide a preferred payment method for payments. When a user carries their device into a store, the device may receive information from a beacon at the store that informs the device that the user is at the store. The user device may the use the information to determine which of several payment methods will provide a maximum benefit to the user if used for a payment at that store. The benefits to the user may include points, store rewards, miles, cash back rewards or other rewards associated with a particular payment method that, at a particular time or location provide more benefit to the user than other payment methods. The user device may be configured to provide the preferred payment method prior to a communication between the user device and a point of sale device of the store.

Abstract: Systems and methods are disclosed which may allow a merchant to wirelessly transmit accepted forms of payment using a beacon installed in the merchant location or near the merchant location. A consumer having a device capable of receiving the wireless transmission may receive the accepted forms of payment and have them displayed on a screen of the device. The device may also send the accepted forms of payment to a remote server that has issued the consumer a programmable credit card such that the remote server can program the credit card based on the forms of payment accepted by the merchant.