Abstract: An information processing apparatus includes a first reader electrically reading a first information in a non-contact manner; a second reader electrically or magnetically reading a second information; a touch panel electrically detecting the contact or proximity of an object; and a CPU electrically connected to the first reader, the second reader, and the touch panel. The CPU exclusively controls an ON/OFF of the first reading function of the first reader and an ON/OFF of the input detection function of the touch panel, based on a detection that the communication medium is placed in a predetermined position with respect to the first reader or a detection that the card is placed in a predetermined position with respect to the second reader.

Abstract: [Problem] To assist a user to use a card with which the user can receive a beneficial reward.

Abstract: The present invention relates to an auxiliary battery and an auxiliary battery rental device, and the auxiliary battery rental device according to the present invention comprises: a battery port allowing an auxiliary battery to be discharged therefrom or returned thereto; a battery queue in which auxiliary batteries are vertically stacked and loaded; a carrier for discharging an auxiliary battery loaded in the battery queue to the battery port, or loading an auxiliary battery returned to the battery port in the battery queue; a lift for lifting at least some of the auxiliary batteries loaded in the battery queue; a charging unit for charging at least some of the auxiliary batteries loaded in the battery queue; and a control unit for controlling an operation of the rental device such that lending and returning operations of the auxiliary batteries are automatically performed.

Abstract: A method for secure approval of a check includes: reading a machine-readable code to obtain a block identifier and a validation value, wherein the machine-readable code is displayed on a physical check and encoded with the block identifier and validation value; receiving a digital signature from an external device; identifying a blockchain data value stored in a blockchain, wherein the blockchain data value includes at least the block identifier and an additional value; validating the received digital signature using a public key; validating the validation value based on a comparison of the validation value to the additional value; and approving use of the physical check to fund a payment transaction upon successful validation of the received digital signature and validation value.

Abstract: According to the invention, a system for performing a money transfer between a sender an a recipient through the use of an augmented reality device is disclosed. The system may include a first mobile device associated with a first entity. The first mobile device may be configured to detect an indicator via an augmented reality subsystem. The indicator may include a characteristic and be associated with a second entity, as well as be configured to associate meta-information with the indicator. The first mobile device may further be configured to receive an input comprising an amount to be transferred from the first entity to the second entity and transmit a set of instructions to a money transfer network. The set of instructions may be based in part on the indicator and the input, and include instructions to perform a money transfer between the first entity and the second entity.

Abstract: A customer service assistance apparatus 10 is provided with a video image acquisition unit 11 that acquires a video image of the inside of a store, a specifying unit 12 that specifies a product that a customer in the store is interested in and attributes of the customer based on the acquired video image, an information acquisition unit 13 that searches a specific database using the specified product and attributes as queries, and acquires content corresponding to the product and attributes that serve as queries, and the transmission unit 14 that transmits the acquired content to a terminal apparatus that is used by a store salesperson of the store.

Abstract: According to the invention, a method for initiating a similar transaction to one previously initiated by a user is disclosed. The method may include sending a digital receipt for a first transaction to a user. The method may also include determining reminder information, where the reminder information indicates a future time or frequency. The method may further include sending to the user, upon occurrence of the future time or frequency, a digital reminder which includes an interactive element. The method may additionally include receiving an indication that the user has interacted with the interactive element, and initiating a second transaction having a characteristic in common with the first transaction based on the indication.

Abstract: This specification techniques for sharing service and identity information between devices. One example method include acquiring, by a first device, a digital object identifier (DOI) of a second device, the DOI including identity information associated with the second device; generating, by the first device, a service DOI based on the identity information from the DOI of the second device, the service DOI including the identity information of the second device and service information; and displaying, by the first device, the service DOI on a display of the first device, wherein the displayed service DOI is configured to cause the second device to perform service processing when the displayed service DOI is acquired by the second device, and wherein the service processing is based at least in part on the identity information and the service information included in the service DOI.

Abstract: According to one embodiments, an electronic money management system includes a fund charging controller and a deduction unit. The controller performs a control in a manner such that, if a transaction is made on a user's terminal through an electronic money service of a first country to charge a designated amount of funds in a currency of a second country the designated amount of funds in the currency of the second country is charged based on an exchange rate at time of the transaction. The currency of the second country differs from a currency of the first country. The deduction unit, if an electronic money service of the second country is used on the terminal, deduct an amount used from the currency of the second country charged by the controller.

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 all 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 POS systems. A merchant POS system collects information in a transaction conducted between the merchant POS system and the customer, including, among others, the customer's contact information (e.g., telephone number), and forwards this information to the PSS. The PSS stores the information as an identifier, where the identifier is stored in association with the card used in the transaction. 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 only upon confirmation from the customer.

Abstract: An asset transfer request to transfer an asset to a blockchain member associated with a blockchain is detected, where the asset is of a specified asset type and is issued by a specified anchor in the blockchain. Whether there is a maximum trusted asset limit configured by the blockchain member for the specified anchor and that corresponds to the specified asset type is determined. If it is determined that the maximum trusted asset limit is not configured, application of the asset transfer request to the asset is prohibited. However, if it is determined that the maximum trusted asset limit is configured, whether the maximum trusted asset limit is exceeded is determined. If it is determined that the maximum trusted asset limit is not exceeded, the asset transfer request is applied to the asset.

Abstract: The present invention relates generally to the field of wearable devices and transaction banking, and more particularly to a smart wearable ring based wireless transaction system and method thereof which has capability to works at both point of sale (PoS or POS or Pos) system and/or at automated teller machine (ATM) centers for our purchases as well as for ATM transactions. Accordingly, an aspect of the present invention is to a smart ring having one or more inner rings, wherein each ring is utilized to set pin on the ring to enable the RFID chip which is embedded in the ring to initiate/perform at least one transaction.

Abstract: A system, method, and computer program product for dynamic application selection for payment transactions determines identification data of an issuer institution associated with a portable financial device based at least partially on transaction data associated with at least one transaction at a merchant with the portable financial device. At least one electronic service application of a plurality of electronic service applications is determined based at least partially on the identification data of the issuer institution. Electronic service application data associated with the at least one electronic service application and stored in association with the issuer institution is accessed at a merchant system of the merchant. The at least one transaction is modified based at least partially on the electronic service application data associated with the at least one electronic service application.

Abstract: A device implementing a user configurable direct transfer system may include at least one processor configured to receive, from an electronic device associated with a user account, a request to establish a type of transfer between a first account associated with an entity and a second account associated with the user account, the request including an entity identifier and a transfer type identifier. The at least one processor may be further configured to generate a transfer alias that is stored in association with the entity identifier, a second account identifier, and the transfer type identifier, and provide the transfer alias to the electronic device and a server associated with the entity to facilitate the type of transfer between the first account associated with the entity and the second account associated with the user account.

Abstract: First POS transaction summary data associated with a first POS machine is generated. A first authorization code associated with the first POS transaction summary data is transmitted to a first transaction data management module (TDCMM). The first POS transaction summary data is transmitted to a POS transaction data management server. Final POS transaction receipt data is generated, where the final POS transaction receipt data comprises the first POS transaction summary data augmented with adjunctive POS transaction data distinguishable from the first POS transaction summary data. The final POS transaction receipt data is transmitted to at least one receipt generation device within a set of receipt generation devices coupled to the first POS machine.

Abstract: An augmented reality system enables consumers to access additional data and services when reviewing printed account statements. A built-in camera of a mobile device captures an image of the account statement. The captured image is processed to correlate the account statement to an account provider, effectively unlocking a set of customized services related to the account statement being reviewed. The mobile device displays customized services for the user to view and interact with.

Abstract: In a payment processing system, a secure intermediary system associates payment processing devices including a POS device, mobile communication device, and transaction server with unique identifiers. The secure intermediary receives communications of transaction data from the payment processing devices, the communications including identifiers. The secure intermediary uses the unique identifiers to determine network addresses for the recipients of transaction data in support of a transaction.

Abstract: A checkout system includes at least one input apparatus and at least one controller. The input apparatus receives an input indicating that a plurality of transactions are consecutively performed by a single customer. The input apparatus receives input of merchandise information for the plurality of transactions. The input apparatus also receives an input of a user code corresponding to a service. The at least one controller generates payment information indicating a total amount to be paid for each transaction of the plurality of transactions based on the input merchandise information. The user code is applied in connection with payment processing for each of the plurality of transactions without requiring the user code to be input more than once. Payment processing is performed with respect to each of the plurality of transactions based on the corresponding payment information, in accordance with a payment operation of the single customer.

Abstract: A method of transferring money from a sender to a recipient using a third party money transfer service a point of sale device receiving transaction details for a requested money transfer; determining whether the requested transaction is an allowable transaction; and either aborting the transaction; attempting to identify the sender as an existing customer using the transaction details; using the sender's transaction history and the transaction details to determine whether to allow the requested transaction to proceed. If the requested transaction is allowed to proceed, the method includes creating a money transfer record for the requested transaction; associating a money transfer control number to the money transfer record; and using the transaction details to determine whether to monitor the requested transaction.

Abstract: A light source module and a display module are provided. The light source module includes: a substrate; a plurality of first light sources spaced on the substrate, each of the plurality of first light sources being configured to emit visible light; a depth sensor on the substrate; and a first blocking member configured to shield visible light but transmit invisible light. The depth sensor includes a second light source configured to emit invisible light and a light receiving member configured to sense invisible light, an orthographic projection of the second light source on the substrate is located within an orthographic projection of a gap between two adjacent first light sources on the substrate, an orthographic projection of the first blocking member on the substrate at least partially covers the orthographic projection of the second light source on the substrate.

Abstract: Technologies related to mobile credit payment are disclosed. In an implementation, a first SNEP Get Request Message is generated and sent to a mobile computing device, in response to a NFC signal received from the mobile computing device. A first SNEP Response Message is received from the mobile computing device and parsed to identify an APP public key license. A pre-stored credit authorization public key is used to verify the APP public key license and an APP public key is retrieved from the APP public key license if the verification is successful. A second SNEP Get Request Message is sent to the mobile computing device and a second SNEP Response Message is received from the mobile computing device. The APP public key is then used to decrypt the second SNEP Response Message, and a transaction log is recorded if the second SNEP Response Message is successfully decrypted.

Abstract: Technologies related to mobile credit payment are disclosed. In an implementation, a credit payment request is generated and sent to a user account of a credit payment application (APP) installed on a mobile computing device. A payment response message is then received from the mobile computing device. The payment response message is parsed to identify an APP public key license. A pre-stored credit authorization public key is used to verify the APP public key license and an APP public key is received from the APP public key license if the verification is successful. A payment deduction request is generated and sent to the user account of the credit payment APP. A payment authorization encrypted using asymmetric key encryption is received from the mobile computing device. The APP public key is used to decrypt the payment authorization, and a transaction log is recorded if the second response message is successfully decrypted.

Abstract: Technologies related to mobile credit payment are disclosed. In an implementation, a credit payment request is generated and sent to a user account of a credit payment application (APP) installed on a mobile computing device. A payment response message is then received from the mobile computing device. The payment response message is parsed to identify an APP public key license. A pre-stored credit authorization public key is used to verify the APP public key license and an APP public key is received from the APP public key license if the verification is successful. A payment deduction request is generated and sent to the user account of the credit payment APP. A payment authorization encrypted using asymmetric key encryption is received from the mobile computing device. The APP public key is used to decrypt the payment authorization, and a transaction log is recorded if the second response message is successfully decrypted.

Abstract: A method and apparatus for identifying a location of a radio-frequency identification tag. A hand-held locator device is configured to transmit a first signal and a second signal. A frequency of the first signal changes through a first range of frequencies and is transmitted in a range of directions corresponding to the first range of frequencies. A frequency of the second signal changes through a second range of frequencies and is transmitted in the range of directions corresponding to the second range of frequencies. A difference frequency signal, having a frequency that is a difference between the frequency of the first signal and the frequency of the second signal, is received from the radio-frequency identification tag. The difference frequency signal is processed to determine and display a direction of the radio-frequency identification tag from the locator device.

Abstract: A method, non-transitory computer readable medium, system and/or mobile device for authenticating security features, the mobile device for authenticating security features includes at least one sensor for detecting security features, a memory having stored thereon computer readable instructions, and at least one processor configured to execute the computer readable instructions to receive a target image of a product to be authenticated, the product including at least one security feature, identify the product to be authenticated based on the target image and product information stored in a product database, obtain sensor configuration information for the at least one sensor associated with the at least one security feature of the product based on the identified product, examine the at least one security feature of the product with the at least one sensor based on the obtained sensor configuration information, and authenticate the product based on results from the examination.

Abstract: Various embodiments of the present disclosure relate generally to providing virtual assistants. More specifically, various embodiments of the present disclosure relate to methods and systems for providing a simulation-based virtual advisor. In some embodiments, the systems and methods combine and/or integrate the functionality of a conversational virtual agent (e.g., a virtual assistant) with the functionality of a simulation virtual agent, to provide users, customers, or members with targeted, user-specific information in response to questions or other intentions posed by the users via messages exchanged between the users and the agents.

Abstract: A system and a method are provided to enable a user to post on the internet an item for sale, obtain a credit therefor, access the credit and convey the item to a buyer. The system includes a database of information and an item upload function arranged to enable the user to post information about an item that the user wishes to sell. The system further includes a credit establishment function establishes a credit for the user based on the posting, wherein the credit establishment function is arranged to make the credit available for the user to access immediately upon posting the item. A credit usage function permits the user to store the credit or convert the credit into funds accessible by the user. A reporting aspect of the system enables the user to see credit usage and availability information.

Abstract: The present invention provides that a credit card authentication value is divided into meaningless information block 1 and information block 2, the information block 1 can be transmitted to a user authentication device that is physically insulated, and the user authentication device that encodes the information block 1 on the basis of payment PIN information received from user equipment and keeps the encoded information block 1, and decodes the encoded information block 1 on the basis of the payment PIN information and transmits the information block 1 to the credit card permission request device, when there is a request from the credit card permission request device, thereby determining whether there is forgery in payment on a web. Accordingly, security in payment can be improved.

Abstract: The present invention generally relates to the use of stable value digital assets and/or fiat-backed digital assets as cryptocurrencies that can be linked to other digital assets using blockchain technology and/or through a peer-to-peer network. In embodiments, the present invention relates to specific applications of fiat-backed digital assets and/or stable value digital asset tokens tied to a peer-to-peer network, such as a blockchain network.

Abstract: A financial transaction may include utilizing a POS system to generate a unique one-time digital code that identifies the financial transaction, forwarding the unique digital code and a store identifying code that identifies the specific POS system, generating transaction data, transmitting the transaction data, the unique digital code, the store identifying code, and account information associated with the POS system from the POS system to a payment system via a first digital network path, transmitting the unique digital code, the store identifying code, and account information associated with a user of the mobile device from the mobile device to the payment system via a second digital network path, and determining whether the unique digital code and store identifying code transmitted via the first digital network path match the unique digital code and store identifying code transmitted via the second digital network path.

Abstract: The systems and methods described herein provide for facilitating in-person payments at a transaction kiosk. First, the system provides an authentication interface for display at a network-enabled transaction kiosk. A user is authenticated at the kiosk via the authentication interface, and based on that authentication, the system detects a payment application and a payment request corresponding to the user, wherein the payment application is associated with a service provider and the payment request was created with the payment application. Next, the system identifies a user interface scheme associated with the payment application, and then updates the user interface for display at the transaction kiosk to match the user interface scheme, then initiates a blockchain payment based on the payment request.

Abstract: A method being implemented via execution of computing instructions configured to run at one or more processors and stored at one or more non-transitory computer-readable media. The method can include receiving a transaction amount and a preauthorization code from a first entity. The preauthorization code can include a preauthorization amount, an expiration time, and a digital signature. The transaction amount is for a transaction authorized by a user of a mobile device at a point-of-sale terminal of the first entity. The transaction amount is less than or equal to the preauthorization amount. The mobile device received the preauthorization code and stored the preauthorization code in the mobile device while the mobile device was in data communication with a mobile wallet provider. The mobile device provided a transaction code to the point-of-sale terminal while the mobile device was unable to communicate with the mobile wallet provider.

Abstract: A method for a goods manager to authenticate products at the point of sale is provided. The method comprises: providing an authentication device to a merchant, wherein the authentication device is not associated with a product but is configured to receive product information from a merchant terminal; once information about a product has been received by the authentication device from the merchant terminal, obtaining from the authentication device a signed message comprising information about the authentication device and information about the product received from the merchant terminal; and providing authorization data to the authentication device if the information fulfils one or more criteria, thereby associating the authentication device with the product. A method for a merchant to authenticate goods at the point of sale and a merchant terminal to perform such a method are also provided.

Abstract: The present disclosure may provide a method of naming an STK module, which may include: after starting a system of a communication terminal, reading text information of a SIM card and saving the same as a first variable, wherein the text information may include SET UP MENU alphaID or EF_SUME; uninstalling an STK module; and re-installing the STK module and naming the STK module using the first variable. By means of the foregoing solution, and the STK module of which the name has a word of “SIM card” after starting the communication terminal system may be renamed using the first variable. The present disclosure may further provide a communication terminal, which can execute the foregoing method. Still further, the present disclosure may provide an apparatus having a storage function, which stores program data, and the program data may be executed to implement the foregoing method.

Abstract: Inventory management in a checkout-free store may use a combination of anti-theft tags, door sensors, a payment application on a smartphone and associated with a payment device, and a shopping cart or basket with a first communication device (e.g., a radio frequency identification (“RFID”) tag, near-field communication (“NFC”) device, etc.). Items selected for purchase include a second communication device. For purchase, the item may be placed near the second communication device and the payment application adds the item to a virtual shopping cart within the payment application and deactivates the first communication device. Removing an item from the electronic cart may include removing it from the virtual shopping cart and reactivating the second communication device. The payment application may also interact with the first communication device to send a message to the store inventory system and collect the item from the customer prior to exiting the store.

Abstract: A receipt data processing device includes a data generating section, an output section, and a converting section. The data generating section is configured to generate receipt data of a first data format including information about an item purchased by a customer. The output section is configured to output the receipt data to at least one of a printing device and an external device that is different from the printing device. The converting section is configured to convert a data format of the receipt data from the first data format to a second data format that is different from the first data format when the receipt data is output to the external device.

Abstract: Systems and methods for mobile-initiated in-store return of products are provided. An example system can include: an Order Management Module (OMM) configured to store in a first database completed transactions and associated electronic receipts for customers; a mobile device having a mobile application installed thereon and configured to query and receive from the OMM selection of products for return; a Return Management Module (RMM) configured to apply rules to validate the return based on the information about the selected product; and a return station configured to verify and complete the return.

Abstract: Disclosed are method and apparatus that enable a cardless payment transaction to be executed from a merchant point-of-sale (POS) system. A user is enabled to check in at a merchant by using a mobile device of the user and then to pay by simply appearing at the merchant and mentioning his name. By emulating card read events and intercepting receipt printer outputs, the technique cleanly integrates into a conventional merchant POS system, without the need for customized software or hardware to accommodate individual POS vendor-proprietary application programming interfaces (APIs).

Abstract: According to an embodiment, an electronic device may include a communication circuit, a display, a processor, and a memory. The memory may be store instructions which, when executed, configure the processor to control the electronic device to: control the communication circuit to receive a call from a first external electronic device, identify a receiving phone number of the call, identify a second external electronic device in a communication group set corresponding to the receiving phone number among at least one phone number registered based on information about a user account stored in the memory, and control the communication circuit to relay the call to the identified second external electronic device.

Abstract: A server device, which includes a communication interface; a memory; and a processor operatively connected to the communication interface and the memory. The memory is configured to store a first database including identifiers of access points and location information. The processor is configured to: receive, from an external electronic device through the communication interface, an identifier of at least one access point including a first access point collected by the external device and an identifier of a base station, identify location information matching the identifier of the at least one access point and/or the identifier of the base station in the first database, and update location information matching an identifier of the first access point in the first database based on the identified location information.

Abstract: An example relates to a method for processing data an on smartcard comprising: (i) obtaining a message; (ii) searching for a rule in at least one file of the smartcard based on the message; and (iii) in case the rule was found, executing the rule.

Abstract: A cloud-based computing system is provided that includes a payments platform for integrating payment gateway services with a cloud computing platform so that clients of the cloud computing platform can perform payment transactions with customers via the cloud computing platform. The payment gateways that include a particular payment gateway. The cloud computing platform can include a multitenant database system that provides applications and services to a plurality of clients, and a payments platform module. Each client can be, for example, a tenant or organization of the cloud computing platform that transacts business with one or more customers via a payment gateway. The payments platform module has a pluggable architecture for integrating each of the payment gateway adapters with the cloud computing platform.

Abstract: A method of controlling the execution of a payment application by a mobile terminal, in near field communication with a payment device. The method includes transmitting an application selection request to the payment device, and verifying the application identifier received from the payment device against a list of authorized applications. The verification is performed by the circuit having the application selection request transiting therethrough.

Abstract: A method including determining, at a point-of-sale terminal at a store of a merchant, a payment amount for one or more items to be purchased from the merchant by a consumer in a transaction. The method also can include sending first information from the point-of-sale terminal to a mobile device used by the consumer.

Abstract: A first device such as a wristwatch may include a front face at which a display is disposed and a rear face at which a rear housing wall is mounted. Antenna structures may overlap the rear housing wall and may be operable to transit and receive relatively high frequency signals through the rear housing wall to a communication with a second device such as a wireless power transmitting device for the wristwatch. The second device may also include antenna structures that overlap a top surface housing. Respective sets of magnetic structures may be provided in the first and second devices to align the two devices and to form a reliable wireless communication link between the two devices. The first and second devices may include respective antenna arrays that include pairs of antenna elements that are selectively used to form a reliable wireless communication link.

Abstract: A method including performing, at a mobile device being used by a consumer, an identity authentication of the consumer. The method also can include receiving, at the mobile device, first information from a point-of-sale terminal at a store of a merchant. The first information can include a merchant identifier, a transaction identifier, and a payment amount. The merchant identifier can be associated with the merchant. The payment amount can be for one or more items to be purchased from the merchant by the consumer in a transaction. The transaction identifier can be associated with the transaction.

Abstract: A method including receiving, at a transaction system from a first entity, a request including a merchant identifier associated with a merchant. The transaction system can be in data communication with a first financial institution that maintains one or more first accounts of a consumer and a second financial institution that maintains a second account of the merchant. The one or more first accounts can include at least one non-demand deposit account. The transaction system can be maintained by an entity that is different from the merchant, the first financial institution, and the second financial institution. The consumer can use a mobile device at a store of the merchant to authorize paying a payment amount for one or more items in a transaction using the one or more first accounts. The method also can include determining, at the transaction system, an account identifier of the second account of the merchant maintained by a second financial institution using a merchant account database.

Abstract: A virtual currency method and a system comprises a virtual currency controller in communication with a real bank account comprising real currency and with one or more merchant controllers under the authority of respective merchants providing products and/or services for sale to users. The virtual currency controller comprises a virtual bank comprising a first amount of virtual currency units and virtual user bank accounts assigned to users and a second amount of virtual currency units separately allotted into respective ones of user's virtual bank accounts, wherein an exchange rate of the virtual currency units is determined based on the value of real currency in the real bank account, the total of the first amount of virtual currency units and the total of the second amount of virtual currency units. Users are provided to exchange virtual currency units for real currency in the real bank account based on the exchange rate.

Abstract: A method of providing rewards-based payment method selection, the method including: storing payment account numbers (PANs) associated with a tokenized financial account number (FAN), each PAN being associated with a purchase-based rewards program; receiving user rewards preferences; receiving, from a merchant POS terminal, a primary transaction authorization request; generating, based on the primary transaction authorization request and the FAN, a plurality of provisional transaction authorization requests corresponding to one of the PANs; transmitting, to one or more payment authorization servers, the plurality of provisional transaction authorization requests; receiving a plurality of provisional transaction authorizations corresponding to one of the PANs and including a respective rewards bid; selecting, based on the user rewards preferences and the respective rewards bids, a preferred PAN corresponding to a provisional transaction authorization; and transmitting, to the merchant POS terminal and based on

Abstract: Integrating payment processing functionality into a third-party application via software development kit (SDK) instructions is described. In an example, a payment card reader can include reader instructions executable on the payment card reader to configure the payment card reader to read payment card data from a payment card and transmit the payment card data to a mobile device for processing by SDK instructions on the mobile device. The SDK instructions can be executable on the mobile device to configure the mobile device to process the payment card data from the payment card reader. The SDK instructions, which can be provided by a payment processor, can be configured to be integrated into a third-party application on the mobile device, wherein the third-party application is provided by an entity distinct from the payment processor.