A point-of-sale system with a mobile payment feature includes an electronic display, one or more processors, and storage media storing a payment plugin to the point-of-sale system. The payment plugin sends ticket data representing a guest ticket over one or more data networks to an online service provider computer system; receives instruction from the service provider computer system to mark the guest ticket as designated for mobile payment; and causes user interface feedback on the electronic display that the guest ticket is to be paid via mobile payment. By doing so, the merchant is informed through their point-of-sale system that payment of the guest ticket will be facilitated by the online service provider. This alleviates the merchant from collecting payment from the guest before the guest leaves the merchant's premises and allows the guest to leave the premises as soon as the guest ticket is ready for mobile payment.

Systems and methods are provided for displaying account information. The systems and methods may include a portable smart display device in short-range communication with a mobile device. The smart display device may be configured to provide a user with quick and easy yet secure access to account information, without the need for multi-step login and verification processes. The smart display device may be sized to fit within a wallet and within quick, easy reach of a user. The smart display device may receive up-to-date account information from the mobile device, and display the account information on-demand upon detecting an activation event, thereby providing an enjoyable user experience and a useful tool for quickly informing the user of their financial situation.

Disclosed are exemplary embodiments of systems and methods for use in authenticating consumers and/or computing devices to payment accounts. In an exemplary embodiment, a method generally includes generating, by a computing device, an authentication request for a consumer in response to a transaction by the consumer at a merchant. The transaction involves a payment account associated with the consumer, and the authentication request includes a direction to move a communication device associated with the consumer in a manner consistent with a reference movement. The method also includes receiving, by the computing device, an indication of movement of the communication device; comparing, by the computing device, the movement of the communication device to a reference movement; and then authenticating, by the computing device, the consumer to the payment account in connection with the transaction when the comparison indicates that the movement of the communication device matches the reference movement.

A system, method and computer readable medium for dynamically determining location-based rules affecting item sales at POS registers for a particular location and for distributing the location-based rules to the POS registers is discussed. A location-based ruleset of rules regulating sales of items at an individual store is created and transmitted to the store along with a rule group to item map file that maps rules and warnings to individual store items. A rules engine at the store provides updated item sale rules and warnings to POS registers based on the location-based ruleset and rule group to item map file. Embodiments thus provide an improved system for updating POS registers at different store locations with location-based rules specific to the store location.

Embodiments of the invention are directed to methods, apparatuses, computer-readable media, and systems for securely processing remote transactions. One embodiment is directed to a method of processing a remote transaction initiated by a communication device. The method comprising a server computer receiving a payment request including encrypted payment information that is encrypted using a first key. The encrypted payment information including security information. The method further comprises decrypting the encrypted payment information using a second key, obtaining an authentication response value for the remote transaction from an authentication computer associated with an issuer, updating the decrypted payment information to include the authentication response value, re-encrypting the decrypted payment information using a third key, and sending a payment response including the re-encrypted payment information to a transaction processor. The transaction processor decrypting the re-encrypted payment information using a fourth key and initiating a payment transaction using the decrypted payment information.

An access control system for electric vehicle charging is provided that includes an access device, a secure reservation interface, a reservation server and a smartphone application installed on the smartphone. The access device includes a short-range wireless communication module connected to a processor having control of an electric vehicle charger. The secure reservation interface receives a reservation request for a reservation at a given destination. The reservation server receives the reservation request for the destination, issues a reservation certificate, and transmits the reservation certificate from the reservation server to a smartphone. The smartphone application has access to a short range wireless communication setting corresponding to the access device. The access device receives the reservation certificate from the smartphone application based on use by the smartphone application of the short-range wireless communication setting. The processor activates the electric vehicle charger based on at least the receipt of the reservation certificate.

Facilitating transaction status indications for point-of-sale (POS) systems is described. A POS application stored on a POS terminal of a POS system may communicate with a payment reader device coupled to the POS terminal and a payment server application. The POS application may receive, from a customer device associated with a customer and via a short-range communication network, payment information for satisfying a cost of a transaction. The POS application may send the payment information to the payment server application to attempt to authorize the payment information for the cost of the transaction and may receive, from the payment server application, an indication of a status of the transaction. Responsive to receiving the indication of the status of the transaction, the payment reader device and the customer device may output respective aspects of a transaction status indication associated with the status of the transaction.

A method, system and computer program product for integrating a mobile payment application with other mobile applications while preventing security exposures. A set of application programming interfaces of mobile applications that may possibly be utilized by a pass created by a mobile payment application is generated in response to receiving an indication that the pass was created. A “pass,” as used herein, refers to a form of mobile payment, such as a gift card. A selection of these application programming interfaces may then be received to interact with the created pass. In this manner, the existing mobile applications are seamlessly integrated with the features of passes. Furthermore, a virtual container is created for the created pass and the selected application programming interfaces to interface with the created pass. By creating such a container, the data to be exposed to the application layer can be controlled.

A computer-implemented includes: authenticating a user; generating an interface configured to be displayed by a mobile device of the user; receiving a captured image from the mobile device of the user based on an activation by the user of an image capture function element displayed on the interface and a subsequent capturing of the image by the mobile device, the captured image comprising a code; determining a merchant associated with the code; receiving a selection of a product and a product purchase option associated with the determined merchant from the interface; in response to determining the merchant and receiving the product purchase option, transferring a payment for the product to the merchant from an account held by the user based on information associated with the merchant and the product purchase option; and sending, to the interface, a purchase confirmation comprising order details including the product and the product purchase option.

A face recognition-based method includes, when a terminal detects a placement posture on the terminal, obtaining placement posture information of the terminal, where the placement posture information is used to determine a tilt angle of the terminal relative to a first plane; performing facial recognition on a user when determining that a tilt angle meets a preset range without notifying the user and regardless of detecting an action of the terminal other than obtaining the placement posture information; and opening the application when the facial recognition succeeds.