A system for generating a shopping checkout list of items selected by a shopper in a store including: in-store security cameras; a cart scanner and a cart analyzer configured to generate a shopping checkout list based on the data received from the cart scanner; and a shopping list builder (SLB) configured to record images from the security cameras of the shopper's activity in the store to form recorded images, wherein, when the SLB requires verification of an item in the generated shopping checkout list, the SLB is further configured to analyze the recorded images to determine selection of an item by a shopper to thereby verify the item on the shopping checkout list.

Various examples described herein are directed to systems and methods for managing multi-party transactions. A payment management system may receive a premium payment message from a user computing device. The premium payment message may describe a premium payment towards a health insurance policy held by a user of the user computing device. The payment management system may initiate a deposit of the premium payment to a premium account associated with the user. The payment management system may also receive a payment instruction from a payer system of a payer associated with the health insurance policy. The payment management system may select a first patient payment source and initiate a transfer of a payment amount to a provider.

This disclosure describes, in part, systems for enabling facilities to implement techniques to determine when users are in possession of items when located within and/or exiting the facilities. For instance, a system may use one or more sensors to determine locations of a user that navigated through a facility. Additionally, the system may use one or more sensors to determine locations of an item while the item was located within the facility. The system may then determine a probability that the user was in possession of the item when in the facility and/or when exiting the facility based at least in part on the locations of the user and the locations of the item. If the system determines that the user was in possession of the item when exiting the facility, the system may charge a payment instrument of the user for a price of the item.

An offer processing system is configured to receive transaction data associated with user purchases from third party point of sales devices and/or third party payment processing systems. The offer processing system may then identify offers or savings that are applicable to the transaction data and redeem the offers on behalf of the users.

Disclosed are a payment apparatus and a method of controlling the same. With this, it is possible to receive payment information based on Table Pay; analyze a payment card image included in the payment information, and divide the payment card image into a first region comprising sensitive data that needs security and a second region comprising general data other than the sensitive data; differently set the plurality of encryption units corresponding to the first region and the second region so that the first region and the second region can be differentially subjected to encryption; and divide the payment card image into a plurality of encryption units, and perform the encryption with regard to the plurality of encryption units independently of each other.

A cross-platform integration component is configured for operation on a plurality of different types of partner computing devices and/or platforms. The integration component provides a same interface on each different type of computing device. The integration component comprises a plurality of implementation modules, each configured to implement reader-based transactions on a respective type of computing device and/or platform. The integration component may further comprise a platform-independent component capable of implementing non-reader-based transactions across the plurality of platforms.

Disclosed is a method and a system for processing electronic transactions is provided. The system includes an interactive display for displaying a graphical user interface, one or more processing units, and a memory unit for storing one or more programs configured to be executed by the one or more processing units. The graphical user interface includes a top portion and a bottom portion. The one or more programs includes instructions for highlighting an up-arrow on the bottom portion of the graphic user interface demanding to be swipe-up; generating a colored-wave on receiving an interaction through the interactive display; returning the colored-wave back to create the highlighted up-arrow; generating the colored-wave simultaneous to processing of the electronic transaction on receiving a swipe-up; and filling up the graphical user interface completely with the color to indicate the completion of the electronic transaction.

Aspects of the present disclosure involve a system comprising a computer-readable storage medium storing at least one program, method, and user interface to facilitate a camera sharing session between two or more users. A request for an image depicting an image target is received from a first device associated with a first user. A notification of the request is transmitted to a second device associated with a second user. Image data comprising at least one image generated by a camera communicatively coupled to the second device is received from the second device and the image data is transmitted to the first device. A reward is provided to the second user based on the image data including a depiction of the image target.

A mobile commerce system and components thereof are provided in which multiple wireless mobile communications devices (mobile devices) (1) each has a unique electronic identification and processing circuit (2) capable of encrypting data utilizing an encryption key and a first software application providing connectivity to commercial webpage servers (4) for purposes that include the conduct of selected transactions involving a payment for goods or services. Each mobile device is independently enabled to conduct financial transactions in real time by communication with a financial institution. Each mobile device further has a second software application termed mobile payment application adapted to interact with the first application to receive data as to a payment required to conclude a transaction conducted by way of a commercial webpage server. The mobile payment application initiates an instruction to the financial institution to make a payment to a payee designated by way of such data wherein the instruction is encrypted utilizing the unique electronic identification and processing circuit.

A cross border payment (CBP) computing device for transmitting cross border data rich payments in real-time is provided. The CBP computing device receives, from an originating bank associated with a payor, a payment request message to transfer funds in real-time. The payment request message includes payment instructions and transaction information associated with a transfer amount. The CBP computing device determines that the payment request message is a cross border payment transfer from a first payment network for processing real-time payments within a first country to a second payment network for processing real-time payments within a second country, and retrieves, from a database, a set of rules based on a payment messaging standard and protocol associated with the second payment network. The CBP computing device reformats the payment request messaged based on the retrieved set of rules, and transmits the reformatted payment message to a receiving bank associated with a payee.