Systems and methods are provided to predict customer behavior during a digital transaction at a point of sale. The disclosed systems and methods can collect information regarding a merchant and the merchant's business as well as information about the current sales environment in which the merchant is operating. From the collected information, the disclosed systems and methods can process the collected information to generate a prediction of future customer behavior in real-time or near real-time.

Systems and methods are provided to predict customer behavior during a digital transaction at a point of sale. The disclosed systems and methods can collect information regarding a merchant and the merchant's business as well as information about the current sales environment in which the merchant is operating. From the collected information, the disclosed systems and methods can process the collected information to generate a prediction of future customer behavior in real-time or near real-time.

Aspects described herein may relate to techniques for segmenting one transaction into multiple sub-transactions. A user may wish to purchase multiple items. The overall purchase request may be segmented into multiple sub-transactions based on a transaction category of each item. Transaction categories may be based on merchant category codes (MCCs). Each sub-transaction may include one or more items related to the same transaction category. Each sub-transaction may be underwritten and approved separately by the merchant and/or a financial institution (e.g., a credit card company). Financial information related to each different transaction category may be determined based on the sub-transactions. Reward offers may be provided in a more robust manner based on the different transaction categories determined during the purchase process.

Aspects described herein may relate to techniques for segmenting one transaction into multiple sub-transactions. A user may wish to purchase multiple items. The overall purchase request may be segmented into multiple sub-transactions based on a transaction category of each item. Transaction categories may be based on merchant category codes (MCCs). Each sub-transaction may include one or more items related to the same transaction category. Each sub-transaction may be underwritten and approved separately by the merchant and/or a financial institution (e.g., a credit card company). Financial information related to each different transaction category may be determined based on the sub-transactions. Reward offers may be provided in a more robust manner based on the different transaction categories determined during the purchase process.

Provided is a smart shopping method using a user terminal. Use information of various benefit means available to a user may be previously checked, set, and stored, and when making a payment, a transaction serial number may be presented to an affiliated store terminal, thereby enabling all benefit means to be easily applied. Also, since a payment serial number is presented along with a transaction serial number, a mobile payment to which a benefit means is applied may be performed by presenting only a user terminal, thereby enabling a user of the user terminal to shop quickly and conveniently.

A method for authentication of coupons using a blockchain includes: storing transaction data for a payment transaction, wherein the transaction data includes at least a transaction amount; receiving an identification value; receiving a block included in a blockchain, wherein the block includes at least a block header and a plurality of transaction values, each transaction value including at least a coupon identifier and coupon data; executing a query on the received block to identify a specific transaction value of the plurality of transaction values where the included coupon identifier corresponds to the received identification value; and executing a query on the memory to update at least the transaction amount included in the stored transaction data based on the coupon data included in the identified specific transaction value.

Provided herein are systems, methods and computer readable storage media for facilitating payments for consumer transactions and redemption of deal offerings. In providing such functionality, the system can be configured to, for example, receive payment for one or more products, determine a deal voucher's current value and cause the redemption of the deal voucher.

A system includes one or more point of sale systems and processing circuitry. The processing circuitry is configured to receive purchase data for a plurality of purchases made by a purchaser via the one or more point of sale systems over a time period, wherein the purchase data includes an identifier of the purchaser, a timestamp, and a type of good. The processing circuitry is configured to determine a frequency with which the purchaser purchased a type of good over the time period based on the purchase data, determine a target time at which the purchaser should next purchase the type of good based on the purchase data and the frequency, and instruct output of a notification in response to receipt of an indication that the purchaser is attempting to purchase the type of good using the one or more point of sale systems prior to the target time.

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 promotion processing system may include a point-of-sale terminal at a store to collect purchased product identifiers from products being purchased, and a promotion generation server. The server may obtain the collected purchased product identifiers from the point-of-sale terminal, determine a store-transaction count based upon the collected purchased product identifiers, and for each purchased product identifier, map the corresponding product to an aisle location within the store. The server may determine a corresponding aisle-transaction count for the aisle location corresponding to each product based upon the mapped aisle locations, and determine shopper paths of travel within the store based upon the store- and aisle-transaction counts. The server may identify a location within the store for an aisle violator sign for a promoted product located in one of the aisle locations based upon the shopper paths of travel and the aisle-transaction counts, and generate a digital promotion for the promoted product.