Abstract: A technique is disclosed for generating an interactive digital receipt on a user device, where the receipt offers an engagement platform for merchants and customers to interact on a continuous basis. The interactive digital receipt is generated in response to an occurrence of a particular financial transaction. The receipt includes a plurality of time-based interactive components to enable the merchant and the customer to interact with one another. The plurality of time-based interactive components includes a promotion component, a tipping component, a feedback component, and a loyalty rewards component. Each component is associated with a timeframe which defines a time period for which the customer may interact with the component. Content presented via each component changes corresponding to the time period. The time period can range from a limited time period to an unlimited time period.

Abstract: An appointment and payment handling system may operate to handle payments for appointments. In advance of an appointment, the appointment and payment handling system may send a reminder to customer devices of the customers associated with the appointment, and then receive a response that includes a requested change to the appointment. The requested change may comprise a net increase in the number of customers associated with the appointment and an updated cost-splitting arrangement for dividing appointment costs between the customers. The appointment and payment handling system may seek and receive approval of the change from the merchant. Upon determining that the appointment is completed, the appointment and payment handling system may process payment based at least in part on the updated cost-splitting arrangement.

Abstract: Introduced here is a technology that enables a merchant to create customer-targeted, customized digital receipts by use of a merchant platform executing on a financial service system. The merchant platform generates feature programs for incorporating in a digital receipt based on customer segmentation. The customer segmentation includes one or more groups of customers segmented based on one or more attributes associated with each group of customers. An attribute is determined based on data collected by the financial service system, where the data is related to the merchant and other merchants that are either similarly situated as the merchant or similarly located in a geographical area as the merchant. The feature programs can include a feedback program, a loyalty reward program, a promotion program, and/or a tipping program.

Abstract: An appointment and payment handling system may operate to handle payments for appointments based on user locations at times associated with appointments. The appointment and payment handling system may determine if a location of a customer device associated with a customer associated with an appointment matches a location associated with the appointment. If the locations match, the appointment and payment handling system may create a payment record for a payment to the merchant from the customer based on the determination that the customer location matches the location associated with the appointment.

Abstract: An appointment and payment handling system may operate to handle payments for appointments based on user locations at times associated with appointments. The appointment and payment handling system may determine if a location of a customer device associated with a customer associated with an appointment matches a location associated with the appointment. If the locations match, the appointment and payment handling system may create a payment record for a payment to the merchant from the customer based on the determination that the customer location matches the location associated with the appointment.

Abstract: A sterilizing grade filter including at least two non-sterile nanofiber membranes positioned in a stacked configuration is provided. The nanofiber membranes have a bubble point from about 10 psi to about 50 psi, a thickness less than about 300 microns, and a mass/area less than about 20 g/m2. The non-sterile nanofiber membranes are separated from each other by a distance d, which may be less than about 100 microns. The membranes may be adhered together produce a composite stacked filtration material. Methods of producing a sterilizing grade filter are also provided.

Abstract: Disclosed herein is a technology for automatically triggering delivery of a digital receipt for a financial transaction based on a previously stored electronic address for receiving digital receipts. In at least some embodiments, the technology includes a digital receipt system working in coordination with one or more merchants' POS device to deliver receipts for current transactions based on a previously stored electronic address from past transactions. The first time a user utilizes a payment card in a transaction, the system associates and stores a user-provided electronic address with the card. The next time the user utilizes the card in a new transaction, the system identifies the card has been used in a past transaction, determines the electronic address associated with the card, and automatically triggers receipt delivery to the electronic address, regardless of the new transaction being with a same or different merchant than the one in the past transaction.

Abstract: A technique is disclosed for generating an interactive digital receipt on a user device, where the receipt offers an engagement platform for merchants and customers to interact on a continuous basis. The interactive digital receipt is generated in response to an occurrence of a particular financial transaction. The receipt includes a plurality of time-based interactive components to enable the merchant and the customer to interact with one another. In one embodiment, the time-based interactive components include a gratuity component to allow adding of a gratuity amount after the occurrence of the transaction. The gratuity component is associated with a timeframe that defines a time period for which the customer may submit the gratuity amount. The time period can range from a limited time period to an unlimited time period.