Described herein are systems and techniques for implementing a third-party item tracking and payment system that enables a user to walk out without a manual checkout process. The techniques include receiving user identifying information associated with a payment account and conveying an identifier of the account to a management system of the retailer. Items, as selected by the user, are added to a virtual cart that is checked out automatically when the user exits the store and the third party system communicates the cart contents to the retailer for cost calculation and then instructs payment using the stored payment information without disrupting existing inventory and account management systems.

A payment terminal, including: a display, an input device configured to generate input signals indicative of a user input, a payment instrument reader configured to receive payment instrument data from a financial payment instrument, a secure processor connected to the payment instrument reader, a main processor connected to the display, the main processor separate and distinct from the secure processor, a secure input processor connected to the input device and the secure processor, wherein the secure processor is operable between an unsecured mode, wherein the secure processor sends input coordinates based on the input signals received from the secure input processor to the main processor; and a secured mode, wherein the secure input processor ceases input coordinate forwarding to the main processor.

A bi-directional digital asset point-of-sale (POS) computing device includes a display and a digital asset POS module. The digital asset POS module is operable to: initiate a digital asset-based interaction with the user computing device, obtain an amount of first desired assets from the user computing device, send real-time information regarding the digital asset-based interaction to a digital asset-based interaction computing entity, and obtain a confirmation from the digital asset-based interaction computing entity regarding backing the digital asset-based interaction with an amount of system digital assets. When the digital asset-based interaction is backed with the amount of the system digital assets, the digital asset POS module is further operable to process the digital asset-based interaction by connecting to the digital asset-based interaction computing entity to exchange the amount of the first desired assets to an amount of second desired assets and distributing the amount of the second desired assets.

Systems and methods are disclosed for payment transactions, alerts, dispute settlement, and settlement payments, using multiple blockchains. One method includes: entering, in a first blockchain, a transaction identifier indicating the initiation of and identification of a transaction; receiving an identifier of a currency or cryptocurrency account for participants of the payment transaction; performing one or more iterations of: identifying a new transaction event in the series of transaction events stored in the first blockchain; presenting the new transaction event to participants of the transaction, wherein the presentation enables a participant to indicate a dispute of an attribute of the transaction; relaying one or more attributes of the transaction to a second blockchain for processing the transaction; and receiving, from the second blockchain, an indication of a transfer of funds between the two or more participants, using the identifiers of the currency or cryptocurrency accounts of the two or more participants.

Disclosed herein are methods and systems for electronic authentication including receiving a purchase request from a browser application executing on a first electronic device; determining a user identifier associated with the purchase request; responsive to determining that the browser application does not satisfy a security threshold, identifying an active authenticated session for the user identifier, wherein the active authenticated session was generated using a second electronic device of a set of pre-authorized devices associated with the user identifier; generating a token for the purchase request before an expiration of the active authenticated session; and authorizing the purchase request using the token.

A system for interfacing predetermined services to a user at a fixed location includes a processing platform running an operating system. The system further includes a data store for storing configuration information for enabling the operating system to interface with available physical system resources through the physical system resource interface associated therewith. A communication resource for interfacing with the operating system allows communication of the operating system with a central office for downloading configuration information to selectively enable ones of the available physical system resources to interface with the operating system through associated ones of the physical system resource interfaces in accordance with the configuration information and the predetermined service selected by a user. A plurality of configurations is stored in the data store, and each is associated with a predetermined service and one or more of the available physical system resources.

A system for interfacing predetermined services to a user at a fixed location includes a processing platform running an operating system. The system further includes a data store for storing configuration information for enabling the operating system to interface with available physical system resources through the physical system resource interface associated therewith. A communication resource for interfacing with the operating system allows communication of the operating system with a central office for downloading configuration information to selectively enable ones of the available physical system resources to interface with the operating system through associated ones of the physical system resource interfaces in accordance with the configuration information and the predetermined service selected by a user. A plurality of configurations is stored in the data store, and each is associated with a predetermined service and one or more of the available physical system resources.

A method for authenticating a consumer. The method includes receiving an authorization request message associated with a consumer conducting a transaction with a portable consumer device. A challenge message is sent to the consumer, where the challenge message is dynamic or semi-dynamic. A challenge response message is received from the consumer, and an authorization response message is sent to the consumer. The authorization response message indicates whether or not the transaction is authorized.

Described herein are methods and systems to generate and display interactive graphical user interfaces that receive data inputs from users. A server receives, from a web server, a request to display electronic content comprising at least one interactive graphical element corresponding to a payment option on a webpage hosted by the webserver displayed on a user device, the request comprising a unique identifier associated with a user interacting with the webpage; calculates an attribute of the payment option for the user; transmits for presentation on the webpage, at least one graphical element comprising the payment option, the interactive graphical element configured to receive an input from the user interacting with the webpage; and upon receiving an indication of interactions with the graphical element, transmits a monetary amount to an account of a merchant associated with the webserver.

Gateways for patient-responsibility portions of medical bills (PRPMB) transactions, regardless of healthcare provider or merchant services (Credit card processing) provider are disclosed. These principles provide uniform, consistent and secure devices, methods and systems that allow a patient to make PRPMB payments on one website or by one phone call or physical address regardless of the entity that is due payment, or when multiple entities are due payment.