Abstract: A payment processing service (PPS) can receive, during a transaction, and from a mobile device, tokenized data associated with a customer's payment instrument. The PPS can determine that a first application on the mobile device, and a second application on a second mobile device of a second user, both have connectivity to the PPS. The PPS can register an association between the applications and determine a service offered by the second user. Using the tokenized data, the PPS can determine historical transaction data associated with the payment instrument. The PPS can send personalized content to the mobile device and receive an authorization request and transaction data for the transaction from the mobile device, which the mobile device receives from the second mobile device. The PPS can process payment for the transaction and send to the second application an indication of the authorization, without providing access to card information.

Abstract: Methods and systems are directed to connecting a first device to a wireless network and receiving a list of available devices on the wireless network including a second device. Selection of the second device may be received and a request may be sent to the second device that causes an application residing on the second device to initiate and display a user interface with a prompt to confirm that the first device and the second device are to be paired. A user interface field may be displayed and may be configured to receive a pairing code when pairing confirmation is received at the second device. The pairing code may be received and a verification of pairing message may be received. The first device may then be paired to the second device.

Abstract: Methods and systems include initializing a transaction at a first device and sending, via a paired connection between the first device and a second device, a request for encrypted card data configured to be utilized to complete the transaction. The encrypted card data may be received responsive to the request, and capabilities of the second device may be determined indicating modalities for receiving card data at the second device. A modality by which the card data was received may be determined and a determination may be made that the modality is one of the modalities indicated by the capabilities of the second device. The encrypted card data may be decrypted based at least in part on the modality being one of the modalities, and the transaction may be processed utilizing the decrypted card data.

Abstract: Methods and systems include pairing a first device to a second device via a paired connection such that the first device is configured to send and receive encrypted data with the second device. An application may be initiated based on the pairing and a status indicator may be displayed. A request may be received to provide encrypted card data for a transaction and a first update to the status indicator may be displayed. The encrypted card data may be sent to the second device responsive to the request and a second update to the status indicator may be displayed based at least in part on sending the encrypted card data. Confirmation may be received that the transaction has been completed, and a third update to the status indicator May be displayed based at least in part on receiving the confirmation that the transaction has been completed.

Abstract: Methods, devices, and systems described herein include initiating an application stored in association with a device disposed within a vehicle and determining a user identifier of a user in the vehicle. Geographic location data may be sent to a remote system along with the user identifier. Events may be received from the remote system that are based at least in part on the geographic location data and the user identifier. The events may be displayed a selection of an interactive element of the user interface that corresponds to an event of the events may be received. The user interface may then transition from a first user interface window displaying the events to a second user interface window configured to display additional information about the event. Based at least in part on the transitioning, the additional information may be displayed via the second user interface window.

Abstract: Disclosed are systems and methods for receiving from a merchant, one or more parameters for digital receipts to be generated for transactions, wherein the one or more parameters specify at least one or more interactive content of the digital receipts; receiving transaction information corresponding to a financial transaction including at least a payment amount; generating an interactive digital receipt for the financial transaction based on at least the one or more parameters and the payment amount, the interactive digital receipt having one or more interactive elements configured to receive digital inputs when displayed on a user interface; configuring a corresponding user interface of a portable device to display the interactive digital receipt to enable an interaction of a corresponding user with the interactive digital receipt; receiving an input indicative of at least one interaction with the interactive digital receipt; and processing the payment amount for the financial transaction.

Abstract: Disclosed is a technology for sending near real time transaction notifications to user devices of users of a payment service. Data associated with one or more financial accounts of a user and one or more user devices of the user is stored in a database associated with the payment service. The payment service receives transaction information and determines it is associated with a transaction involving a financial account of the user. The payment service generates a notification associated with the transaction, including at least a payment amount. The payment service causes presentation of the notification, in near real time, via at least one user device of the user.

Abstract: A computer-implemented technique for applying rewards points is disclosed. A computer system of a payment service receives a request to transfer an amount of funds from a first user's account to a second user's account. The computer system causes presentation of an itemized interactive digital receipt on the first user's computing device including a number of points associated with the first user's account, and one or more items with corresponding points values and user interface controls. The first user selects one or more of the controls, wherein the selection comprises a request to use points for the items corresponding to the controls. The computer system causes the funds to be electronically transferred to the second user's account, wherein an amount of points corresponding to a total of the points values of the selected items are used to satisfy at least a portion of the funds.

Abstract: Various embodiments are related to receiving, by a system and from a user interface associated with an application, provided by the system and executing on a computing device of a user, an input for configuring early payment of at least a percentage of earned pay of the user; and initiating, by the system, an electronic transfer of a payment for at least the percentage of the earned pay of the user to an account of the user, wherein the electronic transfer occurs prior to a scheduled paycheck for the earned pay.

Abstract: Disclosed is a technology for collecting item-level transaction information for interactive payment experience. According to one embodiment, a merchant server can maintain a database including the information of financial accounts having a particular classification. The classification indicates that these financial accounts are associated with a payment service system. When the merchant server determines a requested financial transaction involves a financial account classified in the database, the merchant server transmits the item-level transaction information to the payment service system. The payment service system receives the item-level transaction information in real-time or near real-time and generates an interactive digital transaction receipt for a consumer.

Abstract: Disclosed is a technology for sending near real time transaction notifications to user devices of users of a payment service. Data associated with one or more financial accounts of a user and one or more user devices of the user is stored in a database associated with the payment service. The payment service receives transaction information and determines it is associated with a transaction involving a financial account of the user. The payment service generates a notification associated with the transaction, including at least a payment amount. The payment service causes presentation of the notification, in near real time, via at least one user device of the user.

Abstract: Various embodiments are related to a payment to a user based on a percentage of earned pay. Payment of the percentage of earned pay can be based on many factors. For example, the percentage of earned pay can be based on payroll history, sales, or earning's of the user during a shift. Further, the user can designate to receive payment the same day as a request for payment.

Abstract: Various embodiments are related to apparatuses and methods for authorizing a purchase transaction using a mobile device. A consumer can pay for a purchase from a seller using a payment object such as a credit card or automated teller machine (ATM) card. The credit card or ATM card can be swiped through a card reader that is part of the seller's sales system, and the sales system can transmit the purchase transaction to a financial system for approval. The consumer can use a mobile device such as a smartphone, instead of the seller's keypad or signature pad, to electronically capture a signature or personal identification number (PIN) as part of the consumer's authorization of the purchase transaction. The consumer can further use the mobile device to review line items of the purchase transaction or to add a tip amount to the total amount of the purchase transaction.

Abstract: A method for a transaction with a taxi includes establishing secure communication between a first computing device in a driver section of a vehicle and a second computing device in a passenger section of a vehicle, receiving in the second computing device a card number from a card reader coupled to the second computing device before receiving a signal from a meter indicating an end of a trip for the passenger, after receiving the card number submitting the transaction for authorization from at least one of the first device or the second device, after receiving a signal from the meter indicating the end of the trip for the passenger, displaying an amount of a fare for the trip on a display, and receiving an indication that the transaction is authorized.

Abstract: Techniques for facilitating a secure transaction between a first mobile computing device associated with a driver and a second mobile computing device associated with a passenger are discussed herein. The techniques may include registering an association between a first application executing on the first mobile computing device and a second application executing on the second mobile computing device. The second application may display information indicating an amount of fare for a ride offered by the driver to the passenger. Upon receiving input from the passenger to authorize processing of a payment transaction, the second application may send a request to process the payment transaction using card information. In some examples, the payment transaction is authorized without providing the first application with access to card information.

Abstract: Various embodiments are related to apparatuses and methods related to payroll processing. An employee can designate a customized payroll pay period, and each employee can designate a different payroll pay period. For example, the employee can designate to receive payroll payments on any frequency supported by the employer, including receiving a daily payroll payment on each day that the employee works. The employee's employer can make payroll payments according to the employee's designation. Further, when the employer is a merchant that makes sales each day using, for example, a point of sale system, the employer can electronically pay the employee using funds from the day's sales. For example, the employee can work on a selected day, and can receive an electronic payroll payment at the end of the shift. The employee can immediately use the just received electronic payment funds to purchase a good from a second merchant.

Abstract: A technique for providing a pay-by-name payment experience is disclosed. A point-of-sale (POS) system at a store receives information identifying an account with a central server from a payment card using a short-range wireless technology. In response to that, it obtains information regarding the account, including a person's name associated with the account, using the received information. It also accepts a name from a specific consumer in the vicinity. At this point, it determines whether the name accepted from the specific consumer and the name associated with the account are identical. If it determines that the two names are identical, it checks-in the consumer to the store.

Abstract: An automated online payment system may be used to process purchase payments between a buyer and a seller. When a payment is requested, the payment system may determine whether the corresponding purchase satisfies a purchase criterion, and if so, may defer certain aspects of settling the payment. For example, the payment service may determine the risk of deferred settlement and the likelihood that the buyer will make a subsequent purchase from the seller within a relatively short time period. If there is a low risk and high likelihood of a future purchase, the payment service may authorize the payment, but may defer capture of the payment until the buyer makes the subsequent purchase.

Abstract: Introduced is a technology for facilitating a referral between a referrer and a referee, including the generation of the referral and the tracking of the referral redemption by the referee. The technology enables a customer to send a referral about a merchant to a friend by simply providing contact information associated with that friend (e.g., email address, telephone number, etc.), and further enables the friend to redeem a promotional offer included in the referral upon a use of the friend's payment card at the merchant's point-of-sale (POS) system, without having to provide any further information. In some instances, a transfer of a referral reward (e.g., points, discount, payment, etc.) is also transferred to the referrer in response to the redemption by the referee.

Abstract: Apparatuses and methods for changing a financial account after initiating a payment using a proxy object, such as a proxy card, are disclosed. The proxy card is associated with multiple financial accounts, such as accounts associated with credit cards, debit cards, and pre-paid gift cards. A consumer presents the proxy card to a merchant to make a payment, and the merchant swipes the proxy card and processes the payment by sending transaction information to a financial system. A computer system associated with the financial system selects a payment account associated with the proxy card to use for the payment, and an authorization for the transaction is obtained. Later, the consumer is given a limited time within which he may change the financial account used for the payment, such as by using his mobile device to select a different account associated with the proxy card to use to obtain funds for the payment.