A method for supporting a user in initiating or stopping one or more payments for a parked vehicle at one or more locations. The method includes determining that a user activity indicative of the one or more payments for the parked vehicle is being performed during one or more time intervals where the one or more payments for the parked vehicle are to be initiated or stopped by: obtaining information relating to the user activity from one or more apps likely related to parking in a mobile communication device during the one or more time intervals, and/or monitoring operations likely related to parking generated by the user activity in the mobile communication device during the one or more time intervals.

Described are systems and methods for transferring a token between mobile computing devices. A token transfer processing computing device includes a memory device for storing data and a processor in communication with the memory device. The processor is programmed to receive a token transfer message. The token transfer message includes a current device identifier associated with a current mobile device having an original token associated therewith for initiating secure payments using the current mobile device, and a new device identifier associated with a new mobile device replacing the current mobile device. The processor is further programmed to perform a lookup in a device-to-token mapping table to identify the original token associated with the current mobile device. The processor further generates an updated token associated with the payment account and transmits a token transfer response to the new mobile device. The token transfer response includes the updated token.

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.

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.

Some embodiments of the invention provide tools for promoting a user’s financial well-being by encouraging positive financial behavior through timely feedback, counseling and instruction. For example, some embodiments of the invention may provide real-time (e.g., in response to a transaction being performed, or in response to the user indicating he/she is contemplating a transaction) useful analysis and advice designed to encourage the type of ongoing financial behavior that leads over time to financial well-being.

A garbage disposal support apparatus capable of reducing the load on a person disposing of garbage is achieved. A garbage disposal support apparatus includes: a position obtaining unit configured to obtain position information about a person having an object; an object image obtaining unit configured to obtain image information about the object that the person has; a garbage determination unit configured to check the image information about the object that the person has against garbage image information stored in a database, and determine whether the object is garbage or not; a route generation unit configured to generate route information to a disposal place of the garbage, based on the position information about the person and on disposal place information stored in the database, if the object is garbage; and a transmitter unit configured to transmit the route information to a display apparatus.

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.

Various methods, systems, and devices for loading currency into an electronic wallet are provided. In general, a currency acceptance terminal can be configured to accept currency from a user for loading into the user's electronic wallet, which may be used to purchase products from a merchant. The currency acceptance terminal can be unmanned such that the currency can be accepted and loaded into the electronic wallet without a cashier or other employee handling the currency or the currency acceptance terminal.

A receipt capture tool residing on a customer mobile device may be initiated when a customer completes an in-store or online purchase. The receipt capture tool may prompt the customer to capture an image of a receipt detailing a purchase and an item (e.g., product or service) purchased. For instance, the photo of a physical receipt may be taken by the mobile device, or an electronic receipt or email detailing the purchasing transmitted from a physical merchant or online merchant server may be stored. Receipt information may be extracted and saved with other information pertinent to the item purchased, including warranty information. If the customer needs to return or repair the item purchased at a future date, the receipt and warranty information may be subsequently accessed via their mobile device. The receipt and warranty information may also be stored in a searchable database to facilitate easy retrieval by the customer.

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.