An option is set on a payment card of a card issuer. A request for payment for a transaction is received by a payment server of the card issuer from a merchant device/server. The payment server requests and receives a one-time token based on the option. An authorization indicating payment was successful is sent from the payment server to the merchant device/server with a flag set, the token, and a network address. Merchant device/server identifies the flag obtains the token and sends an e-receipt for the transaction along with the token to the network address. The e-receipt accessible from the network address by a consumer associated with the transaction. Furthermore, the e-receipt is obtained by the consumer without registering personal information or contact information with the merchant, which preserves the anonymity of the consumer with respect to the merchant.

A computing system can establish asynchronous network communications with exchanges to facilitate cross-medium transactions between originating and recipient clients. Such communications can result in filtering out errant responses that would otherwise cause an open transaction to fail.

A computing system can establish asynchronous network communications with exchanges to facilitate cross-medium transactions between originating and recipient clients. Such communications can result in filtering out errant responses that would otherwise cause an open transaction to fail.

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 general, according to one embodiment, a transaction certification system includes a transaction processing apparatus and a server. The transaction processing apparatus outputs encrypted data including transaction certification data for certification of a transaction executed on the transaction processing apparatus. The server receives the encrypted data from a first terminal apparatus that reads the encrypted data that has been output by the transaction processing apparatus. The server acquires a first user identifier identifying a user of the first terminal apparatus sending the encrypted data. The server stores the transaction certification data of the encrypted data in a storage device. The transaction certification data is stored in correlation with the acquired user identifier. The server receives a second user identifier from a user requesting a transaction certification, and then transmits the transaction certification data to a second terminal apparatus associated with the second user identifier.

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.

An electronic receipt system according to example embodiments includes: a code issuance server configured to issue a code in response to a request from a mobile terminal and to transmit the code to the mobile terminal; a POS terminal configured to read the code displayed on a screen of the mobile terminal, to transmit the code to the code issuance server for inquiry, and when it is confirmed that the code is one that is issued by the code issuance server, to associate the code and electronic receipt information generated when performing transaction processing with each other; and an electronic receipt management server configured to save the code and the electronic receipt information that are associated with each other received from the POS terminal and when the mobile terminal transmits the code, to transmit the electronic receipt information that is associated with the code to the mobile terminal.

Transformation of inputs including beacon inputs, Global Positioning System (GPS) inputs, captured panorama inputs, user-penned descriptive inputs, and payment-amount-specifying inputs, via components, into outputs including user device POS configuration setting outputs and/or payment-gateway-directed authorization request outputs. Further, transformation of inputs including POS scanner inputs, POS keyboard inputs, and/or POS printer-directed inputs, via components, into outputs including compliance check outputs, tagged omnibus record outputs, SKU-UPC mapping outputs, and/or convergence/correlation outputs. Additionally, transformation of inputs including older limited-capability POS software image inputs and/or newer limited-capability POS software image inputs, via components, into outputs including update directive outputs. Functionality set forth includes allowing user devices to directly communicate with payment gateways, capturing and making use of scanner-obtained data and printer-destined data in a way that does not require code alternation of already-installed POS software, and allowing software of limited-capability POS devices to be updated without sending large, full-overwrite software images.

A system includes a user device and a computing system. The user device accesses a plurality of images captured by a camera and identifies, from the plurality of images, a particular image that depicts a portion of a user interaction object. The user device transmits the particular image across a wireless communications network. The computing system accesses the particular image depicting the portion of the user interaction object and determines a data item from the particular image. The computing system compares the data item to one or more accounts of the user and sends instructions to the user device to automatically display an alert message on the electronic display based on the comparison of the data item to the one or more accounts.

A payment system including an electronic cash register associated with a physical point of sale of a merchant; and a payment acquisition device for advantageously cooperating with a payment issuing device of a client via a first link. Such a payment acquisition device transmits payment transaction messages (MSGT) to a bank server via a second link in order to implement electronic payment transactions. The payment acquisition device is configured to include a mechanism for capturing a view of any invoice issued by an electronic cash register, and the processing unit of such a payment acquisition device is configured to trigger the capture of at least one digital representation of the invoice and to automatically detect and determine therefrom the payment amount of the relevant financial transaction.