A system for a product bundle for purchase may include a user device associated with a given user, and a promotional server. The promotional server may obtain historical online browsing data associated with the given user, and obtain historical shopping data associated with the given user. The promotional server may also generate the product bundle based upon the historical shopping data and the historical online browsing data. The product bundle may include complementary products for purchase each having a purchase price associated therewith. The product bundle may have a bundle price that is less than a sum of purchase prices of each of the complementary products. The promotional server may communicate the product bundle and the bundle price to the user device for display thereon, generate a digital promotion redeemable toward the purchase of the product bundle, and communicate the digital promotion to the user device.

A system and method are provided for monitoring transaction events. The method includes connecting the event processor device with at least one payment services channel and listening for events provided by the at least one payment services channel. The method also includes detecting an event associated with a masked transaction being facilitated by a payment service that masks a payment card number. The method also includes determining from the masked transaction a user identifier associated with the transaction, determining from the user identifier the payment card number, and confirming that the payment card number is linked to the loyalty program with the loyalty partner. When the payment card number is linked to the loyalty program, the method includes sending a message to the loyalty partner to have the loyalty partner execute a loyalty program action associated with the transaction that would have otherwise been masked at the point of sale.

A network electronic device, method, and computer program product facilitate receiving, via a network interface and a network, transaction information originating from at least one of a merchant electronic system and a consumer electronic device associated with a hard currency transfer from a consumer to a merchant. In response to determining that the hard currency transfer is more than a full transaction amount, a controller of the network electronic device debits a merchant account balance in the digital currency accounting system associated with the merchant to correspond to an excess amount of the hard currency transfer. The controller credits a consumer account balance in the digital currency accounting system associated with the consumer to correspond to the excess amount of the hard currency transfer. The controller communicates an updated balance to at least one of the merchant electronic system and the consumer electronic device to conclude an associated transaction.

An aspect is to provide a scanning device, a system, and a method in which an available communication band is not used up even if a plurality of scanning devices are connected to one unit of dedicated hardware. According to one embodiment, a scanning device includes: a camera configured to pick up an image; a reduction unit configured to reduce a data volume of an image corresponding to a merchandise to be outputted to an image recognition device from the image picked up by the camera; and an output unit configured to output the image with the reduced data volume to the image recognition device.

Disclosed is a technique for verifying the validity of security certificates received by a mobile device. The technique can involve diverting a security certificate into a secure environment, such as a payment application, by modifying an import address table (e.g., implementing a “hook”) that is accessed by the security layer of the mobile device. Once diverted, the payment application can create a copy of the security certificate. The copy may be stored in a list of security certificates that is subsequently uploaded to a payment processing system for authentication. In some embodiments, a checksum is generated for the import address table using a cryptographic hash function. The checksum allows the payment application or the payment processing system to determine whether an unauthorized modification of the import address table is present.

A checkout system includes a mobile point-of-sale (POS) apparatus and a server. The mobile POS apparatus includes a code reader, a user interface, a display, a wireless communication interface, and a processor. The processor controls the wireless communication interface to transmit a product code read by the code reader and a settlement instruction based on a user operation on the user interface. The server is configured to generate a data record including the product code and transmit a settlement request to a settlement server upon receiving the settlement instruction. If a settlement non-completion response is received from the settlement server, the server stores transaction data including a first identifier indicating the settlement request and a second identifier indicating the transaction data in a database and causes the display of the mobile POS apparatus to display a code symbol representing the second identifier.

According to one or more embodiments, a settlement apparatus includes a processor. The processor detects a state of the settlement apparatus related to execution of settlement processing at the settlement apparatus using a plurality of settlement methods. The processor determines, based on the detected state of the settlement apparatus, whether there is a first settlement method among the plurality of settlement methods which cannot be executed at the settlement processing apparatus. The processor then notifies a customer of settlement method information indicating the first settlement method cannot be executed at the settlement processing or that another settlement method, other than the first settlement method, can be executed at the settlement apparatus instead of the first settlement method.

A method and system for payments for mobile phone payments with a disabling feature is disclosed. The method includes activating a mobile phone containing contactless payment systems, and having a timeout feature disable the contactless payment systems after a set period of time.

The present disclosure describes making a payment transaction between a customer and a merchant using a payment card of the customer including: transmitting details of the payment transaction from a mobile device to a remote server; capturing at least one image of the payment card using the mobile device of the merchant; transmitting the at least one image of the payment card to the remote server; identifying, by the remote server, the merchant and the payment card captured in the at least one image; and implementing the payment transaction between bank accounts of the customer and the merchant.

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.