There are provided systems and methods for a physical stand for multiple device orientations and peripheral card reader. A device stand may include a dock that allows for placement and securing of a computing device within the device case, such as through a locking or connecting mechanism. The device dock further includes a peripheral component, such as a physical card reader, that allows for reading and entry of card data into the computing device for use with an electronic transaction processing application on the computing device. This allows the computing device to process transactions electronic with an online service provider. Further, the device stand includes a hinge or joint that allows for rotating and inverting of the computing device over a curved extension from a base of the device stand, which allows the computing device to be viewed in multiple directions and orientations.

A method includes, at a computer system with a display, a housing, and an attachment mechanism, detecting attachment of an accessory to the computer system, where the accessory, while attached, has a predetermined orientation relative to the attachment mechanism, and in response to detecting the attachment of the accessory to the computer system in accordance with a determination that the accessory is a first accessory with first physical dimensions, displaying, on the display, a first visual indication that the accessory has been attached to the computer system, wherein the first visual indication indicates at least one property of the first physical dimensions, and in accordance with a determination that the accessory is a second accessory with second physical dimensions that are different from the first physical dimensions, displaying, on the display a second visual indication that the accessory has been attached to the computer system, wherein the second visual indication indicates at least one property of the second physical dimensions and the second visual indication is different from the first visual indication.

Systems and methods are disclosed for providing a payment authorization to a real-time payment (RTP) network to initiate an RTP between a customer financial institution account and a merchant financial institution account. One method performed by a payment facilitator device includes, based on a user device of a customer and a point-of-sale (POS) device of a merchant performing a direct communication regarding a transaction, receiving a payment request for a transaction amount of the transaction and receiving a customer authorization for the transaction. The payment facilitator then provides a payment authorization to an RTP network to initiate an RTP for the transaction amount of the transaction from a customer financial institution account to a merchant financial institution account, based on receiving the customer authorization for the transaction.

A mobile device includes a smartcard controller that does not rely on power received from an interrogating RF field. The mobile device also includes a small inductive device capable of inductive coupling with an RFID reader. The smartcard controller includes circuitry to modulate an impedance of a port coupled to the inductive element when in the presence of an interrogating RF field at substantially 13.56 MHz.

In an example embodiment, the user initiates a digital wallet transaction at a point of sale (“POS”) terminal of a merchant system. The POS terminal receives payment account information options associated with the user's digital wallet account from the account management system to display to the user. The user selects one or more payment account information options via a user interface of the POS terminal. The account management system receives an indication of the user's one or more selections, generates one or more payment tokens based on the corresponding selected payment account information options, and transmits the one or more payment tokens to the POS terminal for use in a transaction. The POS terminal communicates with one or more issuer systems associated with the selected payment account information options to process the transaction using corresponding payment tokens. The user receives a transaction receipt at the POS terminal.

In one embodiment, a payment service system-implemented method of assigning payment card numbers for individual user accounts associated with the payment service system includes receiving a request, in the context of an authorization for a payment transaction, to assign a payment card number to a user account associated with a user of the payment service system. The method includes retrieving, from a database associated with the payment service system, an account record associated with the user account. The method includes determining that the user account is not associated with an active payment card number. The method includes identifying an unassigned payment card number and modifying the account record to assign the unassigned payment card number to the user account as an active payment card number. The method includes authorizing the payment transaction using the active payment card number, causing a modification to an account balance of the user account.

In order to improve efficiency of an operation of a cash handling system and reduce the labor required for the operation, a POS register receives an input of a cash-out amount, and an input of a charge amount. The POS register reads a debit card ID from a debit card, and transmits a settlement request including the debit card ID and a settlement amount to a management server. Upon receiving the settlement request, the management server withdraws the settlement amount from an account, and transmits a settlement permission to the POS register. Upon receiving the settlement permission from the management server, the POS register performs charge of electronic money, and transmits a dispensing instruction for the cash-out amount to a change machine. The change machine receives the dispensing instruction and dispenses cash.

Systems, methods, articles of manufacture, and computer-readable media. A communications interface may receive an indication that a server preauthorized a transaction. The communications interface may receive, from a point of sale device, an indication to pay for the transaction. The contactless card may determine, based on rules stored in the memory, that the location of the mobile device is within one or more locations the contactless card is permitted for use. The contactless card may generate transaction data comprising: indications of an account number and an expiration date of the contactless card, and the indication of the preauthorization. The contactless card may transmit the transaction data to the POS device as payment for the transaction. The server may authorize payment for the transaction using at least a portion of the transaction data based at least in part on identifying the indication of the preauthorization in the transaction data.

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.

Systems and methods for kiosk or payment terminal-based touchless interactions using mobile electronic devices are disclosed. In one embodiment, at a cloud-based information processing apparatus comprising at least one computer processor, a method for interacting with a kiosk or payment terminal using a mobile electronic device may include: (1) receiving, from a mobile electronic device and at a uniform resource locator, a communication comprising an identifier for a kiosk or payment terminal comprising a screen; (2) receiving, from the mobile electronic device, touch data corresponding to user input to a touch-sensitive input on the mobile electronic device; and (3) communicating the touch data to the kiosk or payment terminal. The kiosk or payment terminal may graphically represent the touch data by moving a cursor on the screen.