Methods, systems, apparatus, and non-transitory computer readable media are described for using a vehicle as a payment device. Various aspects may include receiving a selection of a stored financial card or financial account at a vehicle head unit. The selected financial card or financial account may be transmitted to a point-of-sale (POS) terminal for making a payment by transmitting a tokenized card number to the POS terminal. The tokenized card number may be transmitted over a very short-range communication link to ensure that the transmission is secure. For example, electronic circuitry may be attached to the exterior of the vehicle, where the electronic circuitry may be within a threshold distance (e.g. one inch, three inches, six inches, one foot, three feet, etc.) of the POS terminal. The tokenized card number may be transmitted from the vehicle head unit to the electronic circuitry and then to the POS terminal.

The present disclosure is related to a computer-implemented method, card processing server, and non-transitory computer readable medium for determining a merchant location using a virtual card, in real-time. A card processing server may receive test transaction data from an acquirer bank of a merchant when a test transaction is initiated through a virtual card provided to the merchant. The card processing server may detect a record of the test transaction in a transaction database, in real-time, using one or more attributes of the virtual card stored in the card processing server and may retrieve signature data from the test transaction data upon detecting the record of the test transaction. Finally, the card processing server determines a transaction source data location of the merchant at which the test transaction was initiated and a registered name of the merchant based on the signature data.

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

A method of payment terminal operation, including: receiving a payment collection request for a payment from an application, generating a payment initiation request for the payment, sending the payment initiation request to a secure processing system, switching the secure processing system from operation in an unsecured mode to operation in a secured mode in response to receipt of the payment initiation request, facilitating payment information entry, and receiving a payment response notification, generated based on the payment information, at the main processor.

An image of a negotiable instrument may be taken by a camera associated with a mobile device and provided from a user to a financial institution via the mobile device. The negotiable instrument may be deposited in a user’s bank account based on the image. Any technique for sending the image to the financial institution may be used. The mobile device may process the image prior to sending the image to the financial institution. Additionally or alternatively, the financial institution may process the image.

An information processing apparatus includes: a housing; a substrate fixed in the housing; a touch panel installed in the housing and disposed to be inclined in a direction approaching the substrate toward a front of the information processing apparatus; and an opening detection switch provided between an edge of the touch panel on a front side and the substrate. The opening detection switch includes: a contact opening and closing portion fixed to the substrate; a key top having a hemispherical surface in contact with the edge; and an elastic member elastically deformable by a pressing force from the key top pressed by the edge to press down the contact opening and closing portion.

A server device includes: a first receiver to receive, from a settlement terminal, settlement identification information for identifying a settlement method by which the settlement terminal makes a settlement, and portable terminal identification information for identifying portable terminals located within a predetermined distance, the portable terminal identification information being included in a radio wave sent out, and intensity information representing a radio wave intensity of the radio wave received by the settlement terminal; a correlation unit to correlate the portable terminal identification information corresponding to the intensity information of the highest radio wave intensity received by the first receiver, with the settlement identification information; a memory controller to store, in a memory, settlement record information that correlates the settlement identification information with the portable terminal identification information; and an estimation unit to estimate a settlement method used on a per portable terminal basis, based on pieces of the settlement record information stored in the memory.

Disclosed is a technology for sending near real time transaction notifications to user devices of users of a payment service. Data associated with one or more financial accounts of a user and one or more user devices of the user is stored in a database associated with the payment service. The payment service receives transaction information and determines it is associated with a transaction involving a financial account of the user. The payment service generates a notification associated with the transaction, including at least a payment amount. The payment service causes presentation of the notification, in near real time, via at least one user device of the user.

A technique for remote access via a computing device is discussed. In one embodiment, a computing device receives data indicative of a card number associated with a bank-issued debit card. The debit card is associated with a bank account at a bank that issued the bank-issued debit card. The computing device also receives data indicative of an amount of cash to be deposited into the account based on an amount of cash provided at the computing device location. Encrypted data indicative of the card number and the data indicative of the amount of cash is routed to a gateway vendor server and is further routed to a payment network server for deposit of an amount corresponding to the data indicative of the amount of cash into the bank account associated with the card number.

Methods for updating an application programming interface (API) field of a transaction message may include receiving, with at least one processor, a payment transaction message, wherein the payment transaction message comprises data associated with a payment transaction; determining, with at least one processor, one or more API fields of the payment transaction message based on the data associated with the payment transaction; and modifying, with at least one processor, one or more API fields of the payment transaction message. Methods may also include transmitting, with at least one processor, a modified payment transaction message based on modifying the one or more API fields of the payment transaction message. Systems and computer program products are also disclosed.