Abstract: Systems, computer-implemented methods, apparatus, and/or computer program products that can facilitate electronic generation and/or display of enhanced, transaction-based QR codes are provided. In various embodiments, a processor can store a plurality of electronic personas. In various cases, each electronic persona in the plurality of electronic personas can contain data governing electronic generation of quick response (QR) codes. In various cases, the plurality of electronic personas can respectively correspond to a plurality of privacy levels, such that each electronic persona corresponds to a different privacy level. In various aspects, the processor can, in response to a request to generate a QR code, identify a first electronic persona from the plurality of electronic personas. In various cases, the first electronic persona can correspond to a first privacy level in the plurality of privacy levels.

Abstract: Systems, computer-implemented methods, apparatus, and/or computer program products that can facilitate adaptable QR codes to launch customized experiences are provided. In various embodiments, a system can receive, from a client device, a quick response (QR) code, a client identifier, and location data associated with the client device. In various aspects, the system can identify, from a plurality of merchants, a first merchant that corresponds to the QR code, based on identifying that the first merchant corresponds to the location data. In various instances, the system can identify, from a plurality of client profiles, a first client profile that corresponds to the client identifier. In various cases, the system can identify a digital content based on the first merchant and the first client profile. In various aspects, the system can cause the digital content to be provided to the client device.

Abstract: According to an aspect of an embodiment of the present disclosure, a method may include receiving a quick response (QR) code from a computing device, the QR code including a first entity identifier, and analyzing the QR code to determine a request to initiate a data transfer between a first entity associated with the first entity identifier and a second entity, and to determine one or more characteristics associated with the data transfer. The method may also include, based on the one or more characteristics, identifying a first QR code processing flow from multiple QR code processing flows to follow to process the data transfer, and verifying the first entity in the transaction based on the first entity identifier of the QR code and based on the first QR code processing flow. The method may also include processing the data transfer between the second entity and the first entity based on the first QR code processing flow.

Abstract: According to an aspect of an embodiment of the present disclosure, a method may include receiving a quick response (QR) code from a computing device, the QR code including a first entity identifier, and analyzing the QR code to determine a request to initiate a data transfer between a first entity associated with the first entity identifier and a second entity, and to determine one or more characteristics associated with the data transfer. The method may also include, based on the one or more characteristics, identifying a first QR code processing flow from multiple QR code processing flows to follow to process the data transfer, and verifying the first entity in the transaction based on the first entity identifier of the QR code and based on the first QR code processing flow. The method may also include processing the data transfer between the second entity and the first entity based on the first QR code processing flow.

Abstract: A system is configured to perform operations that include receiving a purchase request to use a consumer digital wallet account of a user to pay for an item sold by a merchant, the consumer digital wallet account being included as a payment method in a merchant digital wallet account provided by the merchant to the user. The operations further include generating a single-use payment token based on a non-transactable token. Additionally, the operations include transmitting, to an existing card payment network, a card transaction message that includes the single-use payment token, the single-use payment token causing the existing card payment network to route the card transaction message back to the system. The operations also include causing payment to be remitted from the user to the merchant using a payment method included in the consumer digital wallet account.

Abstract: A system is configured to perform operations that include receiving a purchase request to use a consumer digital wallet account of a user to pay for an item sold by a merchant, the consumer digital wallet account being included as a payment method in a merchant digital wallet account provided by the merchant to the user. The operations further include generating a single-use payment token based on a non-transactable token. Additionally, the operations include transmitting, to an existing card payment network, a card transaction message that includes the single-use payment token, the single-use payment token causing the existing card payment network to route the card transaction message back to the system. The operations also include causing payment to be remitted from the user to the merchant using a payment method included in the consumer digital wallet account.

Abstract: There are provided systems and methods for automatic synchronization of a device for transaction processing based on geo-fenced locations. A merchant may geo-fence an area corresponding to the merchant's location where a user may visit to purchase an item. The merchant may provide multiple transaction processing and payment options at the merchant location, including payment applications with a mobile communication device. A payment provider may detect the location of the user and determine that the user's location matches the merchant's location through the geo-fenced area for the merchant. The payment provider may then configure a payment process for the user to utilize at the merchant location using payment mechanisms accepted at the merchant location. Where multiple merchants are located nearby, the payment provider may utilize additional known information for the user to select the most likely merchant for the user.

Abstract: A white label merchant stored value account peer linking/funding system includes a payment service provider database storing associations between different merchants and respective groups of white label merchant stored value accounts. A payment service provider links, in the database, a first user identifier received from a first user device with a first white label merchant stored value account that is included in a first group of white label merchant stored value accounts that are associated with a first merchant in the database. The payment service provider device then receives second user identifiers from the first user device, and links each of the second user identifiers with the first white label merchant stored value account in the database. The payment service provider device then receives respective second user account information from the second user devices and funds the first white label merchant stored value account with respective first funding amounts.

Abstract: There are provided systems and methods for intelligent selection of transaction processing technology available at a merchant location. A user may visit a merchant location and desire to purchase items from the merchant at the merchant location. The user may have options for one or more payment instruments to use at the merchant location, including payment applications with a mobile communication device. A payment provider may detect the location of the user and determine that the user's location matches the merchant's location through a geo-fenced area for the merchant. The payment provider may then configure a payment process for the user to utilize at the merchant location using payment mechanisms accepted at the merchant location. Where multiple merchants are located nearby, the payment provider may utilize additional known information for the user to select the most likely merchant for the user.

Abstract: There are provided systems and methods for automatic synchronization of a device for transaction processing based on geo-fenced locations. A merchant may geo-fence an area corresponding to the merchant's location where a user may visit to purchase an item. The merchant may provide multiple transaction processing and payment options at the merchant location, including payment applications with a mobile communication device. A payment provider may detect the location of the user and determine that the user's location matches the merchant's location through the geo-fenced area for the merchant. The payment provider may then configure a payment process for the user to utilize at the merchant location using payment mechanisms accepted at the merchant location. Where multiple merchants are located nearby, the payment provider may utilize additional known information for the user to select the most likely merchant for the user.

Abstract: A white label merchant stored value account peer linking/funding system includes a payment service provider database storing associations between different merchants and respective groups of white label merchant stored value accounts. A payment service provider links, in the database, a first user identifier received from a first user device with a first white label merchant stored value account that is included in a first group of white label merchant stored value accounts that are associated with a first merchant in the database. The payment service provider device then receives second user identifiers from the first user device, and links each of the second user identifiers with the first white label merchant stored value account in the database. The payment service provider device then receives respective second user account information from the second user devices and funds the first white label merchant stored value account with respective first funding amounts.

Abstract: According to an aspect of an embodiment of the present disclosure, a method may include receiving a quick response (QR) code from a computing device, the QR code including a first entity identifier, and analyzing the QR code to determine a request to initiate a data transfer between a first entity associated with the first entity identifier and a second entity, and to determine one or more characteristics associated with the data transfer. The method may also include, based on the one or more characteristics, identifying a first QR code processing flow from multiple QR code processing flows to follow to process the data transfer, and verifying the first entity in the transaction based on the first entity identifier of the QR code and based on the first QR code processing flow. The method may also include processing the data transfer between the second entity and the first entity based on the first QR code processing flow.

Abstract: A white label merchant stored value account peer linking/funding system includes a payment service provider database storing associations between different merchants and respective groups of white label merchant stored value accounts. A payment service provider links, in the database, a first user identifier received from a first user device with a first white label merchant stored value account that is included in a first group of white label merchant stored value accounts that are associated with a first merchant in the database. The payment service provider device then receives second user identifiers from the first user device, and links each of the second user identifiers with the first white label merchant stored value account in the database. The payment service provider device then receives respective second user account information from the second user devices and funds the first white label merchant stored value account with respective first funding amounts.

Abstract: A system is configured to perform operations that include receiving a purchase request to use a consumer digital wallet account of a user to pay for an item sold by a merchant, the consumer digital wallet account being included as a payment method in a merchant digital wallet account provided by the merchant to the user. The operations further include generating a single-use payment token based on a non-transactable token. Additionally, the operations include transmitting, to an existing card payment network, a card transaction message that includes the single-use payment token, the single-use payment token causing the existing card payment network to route the card transaction message back to the system. The operations also include causing payment to be remitted from the user to the merchant using a payment method included in the consumer digital wallet account.

Abstract: There are provided systems and methods for intelligent selection of transaction processing technology available at a merchant location. A user may visit a merchant location and desire to purchase items from the merchant at the merchant location. The user may have options for one or more payment instruments to use at the merchant location, including payment applications with a mobile communication device. A payment provider may detect the location of the user and determine that the user's location matches the merchant's location through a geo-fenced area for the merchant. The payment provider may then configure a payment process for the user to utilize at the merchant location using payment mechanisms accepted at the merchant location. Where multiple merchants are located nearby, the payment provider may utilize additional known information for the user to select the most likely merchant for the user.

Abstract: There are provided systems and methods for automatic synchronization of a device for transaction processing based on geo-fenced locations. A merchant may geo-fence an area corresponding to the merchant's location where a user may visit to purchase an item. The merchant may provide multiple transaction processing and payment options at the merchant location, including payment applications with a mobile communication device. A payment provider may detect the location of the user and determine that the user's location matches the merchant's location through the geo-fenced area for the merchant. The payment provider may then configure a payment process for the user to utilize at the merchant location using payment mechanisms accepted at the merchant location. Where multiple merchants are located nearby, the payment provider may utilize additional known information for the user to select the most likely merchant for the user.

Abstract: Methods and apparatus are provided for managing relationships between individual components and configurations assembled to fulfill requirements in a computer system. In one embodiment, a method is provided whereby a configuration which includes a set of components is dynamically modified to add an additional component, so that the additional component can communicate with at least some of the set of components to fulfill a requirement. In one illustrative implementation in a retail store environment, a cash register configuration is dynamically modified to incorporate a handheld scanning device during periods of high customer traffic, so that a store employee can use the scanning device to provide input to the cash register while it would otherwise have sat idle (e.g., while the cashier is bagging another customer's items).

Abstract: Methods and apparatus are provided for managing relationships between individual components and configurations assembled to fulfill requirements in a computer system. In one embodiment, a method is provided whereby a configuration which includes a set of components is dynamically modified to add an additional component, so that the additional component can communicate with at least some of the set of components to fulfill a requirement. In one illustrative implementation in a retail store environment, a cash register configuration is dynamically modified to incorporate a handheld scanning device during periods of high customer traffic, so that a store employee can use the scanning device to provide input to the cash register while it would otherwise have sat idle (e.g., while the cashier is bagging another customer's items).