A system and methods expedite and make secure payment data entry, and payment and authorization and authorization, for both in-store and online purchases. A mobile app, or widget or browser extension or installed service, on a mobile communication device, generates a barcode to be scanned at a point-of-sale terminal. Optional confirmation is sent to an app, or browser extension or widget or installed service, on a mobile or fixed communication device, to confirm a purchase. An independent app, or browser extension or widget or installed service, on a mobile or fixed communication device, generates a barcode that is sent directly to an online point-of-sale system. The method allows a purchaser to use the same app, or widget or browser extension or installed service, to purchase from any retailer with installed collaborating software.

Systems and methods are provided for configuring a user device to provide a preferred payment method for payments. When a user carries their device into a store, the device may receive information from a beacon at the store that informs the device that the user is at the store. The user device may the use the information to determine which of several payment methods will provide a maximum benefit to the user if used for a payment at that store. The benefits to the user may include points, store rewards, miles, cash back rewards or other rewards associated with a particular payment method that, at a particular time or location provide more benefit to the user than other payment methods. The user device may be configured to provide the preferred payment method prior to a communication between the user device and a point of sale device of the store.

Systems, methods, and non-transitory computer-readable media can determine a first orientation in which a computing system is positioned. A first functionality can be provided when the computing system is positioned in the first orientation. It can be determined that the computing system becomes positioned in a second orientation. A second functionality can be selected, out of a set of functionalities, based on a current state associated with the computing system. The second functionality can be provided when the computing system becomes positioned in the second orientation.

Methods and systems for facilitating electronic transactions on a mobile communications device are described. Available funding sources for sending funds to a contact from a list of contacts is provided for display on a graphical user interface (GUI) of a mobile communications device. A selection of a funding source from the available funding sources is received from the mobile communications device. In response to receiving a selection of the funding source, a payment indicator is provided for display on the GUI. A touch input associated with the payment indicator is receiving via the GUI. A transaction amount is determined based on a contact point dependent measurement of the touch input. The determined transaction amount along with the payment indicator is provided for display on the GUI.

A payment terminal can have a near field communication (NFC) circuit to permit the payment terminal to accept an NFC payment transaction from a payment device of a customer. The NFC circuit can have a first set of components that are located on a printed circuit board in the base of the payment terminal and a second set of components that are mounted on a flex circuit in another region of the payment terminal. The flex circuit can be coupled to the printed circuit board and have an extended portion with a plurality of traces to communicate transmit and receive data between the first set of components and the second set of components. The plurality of traces on the extended portion can have a predetermined length that is greater than or equal to 2.5% of the propagation-medium-specific wavelength of the carrier signal communicated over the traces.

Various embodiments are described herein that relate to network-connected data cables (i.e., “smart” data cables) that are connected to a merchant's point of sale system and a receipt printer. When a transaction is initiated at the point of sale system, transaction data is created by the point of sale system and passed to the smart data cable for transmission downstream to the receipt printer. The smart data cable can parse the transaction data, copy certain elements from the transaction data, and transmit the copied elements to a cloud-based platform that processes the transaction. For example, the cloud-based platform may compare the copied elements to information supplied by the customer through a messaging application executing on the customer's user device. The information may be provided by the customer to a chat bot that is supported by the cloud-based platform.

The present invention relates to a method for a secure transaction utilizing a portable radio communication device (10), wherein both parts in the secure transaction are protected against fraudulent actions, among other things by use of a common transaction identity on a predefined transaction server.

A mobile device includes at least one processor, a memory and computer-executable instructions stored thereon. The mobile device is structured to determine first geolocation information indicative of a location of the mobile device and determine, based on the first geolocation information, that the mobile device is located within a predetermined geographic region from a plurality of merchant locations. The mobile device generates an electronic alert message regarding the plurality of merchant locations and displays the electronic alert message to the user. The mobile device determines a user selection of a payment card via a mobile wallet application running on the mobile device. Second geolocation information regarding a location of the mobile device is determined. A code generate a code for a purchase transaction is generated. The code includes the second geolocation information, tokenized payment card information, and a merchant identifier.

In some examples, a location of a merchant is updated as the merchant moves. A server receives the location of the merchant, and compares that location to the location of a user, so as to determine whether the merchant is located within a first threshold distance or a second, smaller threshold distance from the location of the user. If the user is within the first threshold distance, the server presents a first point of sale (POS) interface to initiate an order from the merchant and present the user with an option to fulfill that order through delivery. If the merchant is located within the second, smaller threshold distance from the user, the server presents the user with a second POS interface that gives the user an option to fulfill the order through pickup instead of delivery.

A point-of-sale system with a mobile payment feature includes an electronic display, one or more processors, and storage media storing a payment plugin to the point-of-sale system. The payment plugin sends ticket data representing a guest ticket over one or more data networks to an online service provider computer system; receives instruction from the service provider computer system to mark the guest ticket as designated for mobile payment; and causes user interface feedback on the electronic display that the guest ticket is to be paid via mobile payment. By doing so, the merchant is informed through their point-of-sale system that payment of the guest ticket will be facilitated by the online service provider. This alleviates the merchant from collecting payment from the guest before the guest leaves the merchant's premises and allows the guest to leave the premises as soon as the guest ticket is ready for mobile payment.