A payment device and method and system for using the payment device is described capable of utilizing a pre-authorized amount on existing infrastructure, including POS terminals or for using offline pre-paid products on this infrastructure. The updates for the pre-authorized or offline prepaid products can be sent by the issuer and applied by the card contemporaneously with the card's processing of the issuer authentication data but without requiring any additional bytes in the issuer authentication data. The updates performed by the issuer can be larger and more extensive than could be achieved by using any available space in the issuer authentication data.

In various example embodiments, a system and method for a cross selling platform are presented. A request for a product listing triggered by a user may be received. The request for the product listing may include product information corresponding to an in-store product located at a store of a merchant. A related product listing may be identified based on the product information. Each product listing of the plurality of product listings may correspond to a merchant product. The product listing may be recommended to the user for sale.

A system and method for maintaining authentication of a user of a wearable device. The wearable device can include an electrical circuit, an accelerometer, a capacitive sensor, or other wearable detection module that can determine that the wearable device has been in continuous contact with, or continuous use by, the wearer. A first payment transaction can be initiated between the wearable device and a first payment terminal. A user credential is then received at either the wearable device or a mobile device coupled to the wearable device. The user credential is verified and the first payment transaction is authorized. A second payment transaction is then initiated between the wearable device and a second payment terminal. If the wearable device is determined to have been in continuous use by the user, then the second payment transaction can be completed without requiring re-authentication of the user.

A self-service, self-checkout, kiosk based micro-market retail shopping system for disposition and use in an private or public office, factory or other workspace for use by employees, workers and the like. The micro-market may supply snacks, candies, beverages, other food items and various convenience items such as toiletries for use by employees, workers and other during the work day, lunch and break time. The micro-market may also supply work related items such as uniforms and apparel, tools, office supplies, travel accessories and the like. The devices and process also include enhanced vendor administration tools and functionality. The devices and process also include enhanced user ability to use mobile devices and apps, and on-line tools for creating and managing accounts and for purchasing items. A method of using the market is also disclosed.

A recording device transmits attribute information. A management device receives the attribute information transmitted by the recording device, and sends environmental settings information stored relationally to the attribute information to the recording device. The recording device receives the environmental settings information sent by the management device, configures environmental settings based on the environmental settings information, and sends a configuration completion report indicating configuration was completed to the management device when configuration is completed. The management device receives the configuration completion report sent by the recording device, and stores the environmental settings information sent to the recording device relationally to the identification information of the recording device.

Systems and methods are disclosed herein for processing transactions at an in-store POS where some of the items of the transaction have not been retrieved, i.e. the customer neglected to add a needed item to a shopping cart. A customer selects a product on a user computing device and invokes display of an optical code corresponding to an unretrieved product. A point of sale (POS) device then scans the optical code to add the product to the transaction. The POS device or user computing device may transmit an alert to a representative computing device instructing a store representative to retrieve the product and deliver it to the POS or some other location.

A computer-implemented system and method that includes receiving, by a messaging hub computer system, from a point of sale (POS) device of a merchant, a request to process a refund for a transaction that occurred between the merchant and a mobile device of a payor, the request comprising a previously used code that was exchanged between the POS device and the mobile device. The method includes determining, by the messaging hub computer system, a first financial institution based at least partially on a portion of the code, and receiving, from a computer system of the first financial institution, payment credential information of an account held by the payor to process the refund using the payment credential information. The method may further include transferring, by the messaging hub computer system, the refund from an account held by the merchant to the account held by the payor.

Systems and methods are disclosed for processing transactions and associated data related to digital items, such as digital subscriptions. In one exemplary implementation, there is provided a method for processing information and transactions involving digital subscriptions. Moreover, illustrative methods may include processing digital subscription data from a first database, performing processing of information for display of at least some of the digital subscription data, and/or processing a checkout of the digital subscription.

A method includes receiving, from a payment intermediary, a request for approval of a card-not-present payment transaction between a customer and a merchant. The request for approval includes transaction details indicative of a credit account of the customer. The credit account established at an issuing institution. The method also includes transmitting the request for approval to the issuing institution. The method further includes receiving an authorization response from the issuing institution, the authorization response indicative of whether the card-not-present payment transaction is approved. The method additionally includes transmitting the authorization response to a terminal of the merchant, the request for approval not originating from the terminal.

Disclosed herein are methods and systems to generate and communicate interactive digital receipts. In one implementation, the method may include receiving an indication of a payment transaction between a merchant and a user. Via a customer identification system, an employment profile of the user; may be determined. The employment profile of the user may be compared with one or more employment vacancies within an employment database, where the employment vacancies relate to employment at one of a location of the merchant and another merchant's location. A particular employment vacancy from among the employment vacancies may be selected. The payment processing system generates one or more interactive receipts including at least a transaction component configured to display details of the payment transaction and an employment application component configured to display the particular employment vacancy.