Disclosed are methods for exchanging transaction data, including transmitting a first public encryption key and transaction data associated with a transaction to a computing device via a near field communication (NFC) connection, receiving a second public encryption key and a transaction message associated with the transaction via the NFC connection, and appending the second public encryption key and the transaction message associated with the transaction to a database stored in a memory in communication with at least one integrated circuit, wherein the at least one integrated circuit is powered by an electromagnetic field generated by the computing device. Systems and computer program products are also provided.

A point of sale application may initially process a transaction between a customer and a merchant. While the point of sale application processes the transaction, an add-on application may monitor a current state of a user interface of the point of sale application. Upon recognizing a triggering event associated with the current state of the user interface, the add-on application may take over the processing of the transaction from the point of sale application. Upon completion of the processing of the transaction, the add-on application may return a result of the transaction to the point of sale application by emulating user actions on the user interface of the point of sale application.

Disclosed herein are system, method, and computer program product embodiments for mobile payment handover for self-service terminals. An embodiment operates by generating handover data configured to instruct a user device to settle an amount due. The embodiment further operates by obtaining an electronic confirmation that the amount due has been settled. Subsequently, the embodiment operates by determining that the amount due has been settled responsive to the electronic confirmation.

A system for cashless payment of goods or services is provided which includes at least one payment unit disposed in at least one automat or machine, having at least one transmitting/receiving unit for short range communication; a processing unit; and a memory, wherein the automat or machine is connected to one or more other automats or machines via a short range communication means, at least one mobile device also having a transmitting/receiving device for both short range communication and long range communication, a processing unit and a memory. Many other detailed configurations, functionalities, systems, processes and alternatives thereto are also disclosed.

Techniques for related to retail transaction are disclosed. The techniques involve various uses of a mobile device, such as a cell phone, in authorizing payment for a retail transaction and/or receiving and/or transmitting data to/from the mobile device.

Provided are a re-using e-commerce payment instruments for in-store purchasing systems and methods. A customer enters a check out and a transaction at the point of sale is started. The system receives a pairing request at a wallet processor from a customer mobile device operating a mobile application. This pairing request is created and sent in response to scanning of a code having a transaction identification. The system associates a customer payment profile with the transaction identification and sends associated information to the point of sale. The point of sale sends an amount of sale to authorize to the wallet processor after completing scanning of items. The system creates an authorization for payment and sending the authorization for payment to an authorizer. The transaction may then be completed by processing payment.

A method for realizing an EMV contact transaction without a password, wherein said method is implemented by an EMV IC card and a terminal, wherein when a terminal receives transaction information, it sets a password-free function setting; performs an offline data validation and limitation; performs terminal risk management and a behavior analysis; determines, on the basis of the password-free function setting, whether to perform online processing and performs transaction termination processing; the password-free function setting comprises: when an optional kernel configuration flag in an application parameter corresponding to the current application acquired is set and the transaction amount in the transaction information is greater than a password-free IC card transaction limitation amount, the current application is configured so that verifying the cardholder's PIN is obviated. The present invention allows password-free small-amount transactions, and obviates to upgrade IC cards.

Systems and methods are provided for facilitating network transactions. One exemplary method includes receiving, from a terminal, a request for a conversion option for a transaction to a payment account, where the request includes a transaction amount for the transaction in a first currency and an identifier associated with the payment account. The exemplary method also includes determining a charge rate for the payment account for conversion of the transaction amount to a second currency, determining the conversion option for the transaction in the second currency based on at least a conversion rate and the charge rate, and transmitting the conversion option to the terminal in response to the request.

Disclosed are self-checkout terminals and systems and methods for controlling the same. The systems and methods may include receiving a first image of the customer queuing area from the first camera and determining that a customer is in the customer queuing area. A first wakeup signal may be transmitted to one of the self-checkout terminals when the customer is in the customer queuing area. A second image of the customer queuing area may be received from the first camera and a determination may be made that the customer queuing area is void of customers. A first sleep signal may be transmitted to the one of the self-checkout terminals when the customer queuing area is void of the customers.

The present system is a payment network that implements an ecosystem in which banks can issue financial products (e.g. credit cards, debit cards, and the like) and customers are able to pay in any commerce without the need for card association networks. The streamlined nature of the system allows interchange fees to be substantially reduced over current systems. In addition, the system is all digital, so that physical security features are not required. The system provides an application for a customer that can be used on a mobile phone or other computing device, downloadable point-of-sale (POS) applications that can be used for commerce, and a web based POS application for commerce. The customer application includes a marketplace and an e-wallet in one embodiment. The customer can use the marketplace to acquire and link financial products produced by the banks with the customer's e-wallet.