Methods, systems, and computer readable media for detecting customer presence to initiate the ordering and purchase of goods and services are disclosed. In one example, a system includes a detection server configured to detect the presence of a mobile device in a designated area associated with a merchant location and for initiating a menu selection application in the mobile device for placing an order for at least one product. The system further includes a merchant server configured to receive, from the mobile device, purchase order data associated with the order for the at least one product, a customer identifier associated with the mobile device, and a location identifier associated with the designated area, and for utilizing the customer identifier to send a notification message that indicates that the at least one product is available to the mobile device.

Location polygons are defined along traffic lanes and parking spaces to facilitate determination of the location of a vehicle relative to features associated with the location polygons. The location polygons are used, in one application, to identity entrance and exit of a special toll lane along a roadway, and to ensure that the vehicle properly enters and exits the tolling lane.

Systems, apparatuses, and methods for verifying physical presence of a mobile device as part of an electronic transaction. Tags may be generated and displayed on one or more display devices. Those tags, which may be time-limited, may be read by a mobile device to verify physical presence of the mobile device as a prerequisite to initiating, continuing with, or completing an electronic transaction, and/or as a decision point in how the electronic transaction is to be conducted.

A computer program product for prioritizing order fulfillment at a retail sales facility, including the steps of: a) receiving purchase request information at a retail sales computing device that includes identifying information and order information for the first customer, b) receiving location information for the first customer, c) processing the received location information for the first customer together with location information of the retail sales facility to predict an estimated time of arrival (ETA) for the first customer at the retail sales facility, d) scheduling a time interval for acquiring updated location information for the first customer, and e) placing the identifying information, order information and ETA for the first customer in an order fulfillment queue for all current customers. Entries in the order fulfillment queue are ordered in increasing ETA order, whereby order fulfillment activities can proceed according to the order of order requests in the order fulfillment queue. ETA is continuously updated for each customer, and thereby the order for fulfilling customer orders in the order fulfillment queue. For example, if a customer's distance from the retail sales facility increases (for example, due to a mistaken turn), that customer's order will drop to a later-served position in the queue. The location information for the first customer includes GPS-based location information of the first customer that is captured by a GPS device associated with a mobile computing device of the first customer. The location information for the retail sales facility includes GPS-based location information of the retail sales facility. The ETA prediction is performed using the GPS-based location information of the first customer and the GPS-based location information of the retail sales facility.

Computing devices, systems, and methods for automatically prompting a foreign currency transaction by detecting a trip end condition associated with a registered user with respect to travel to a foreign location associated with a foreign currency. The methods and system may further determine that the registered user has a remaining foreign currency balance, and, as a result, may identify and send to the registered user's mobile device at least one option for using the remaining foreign currency balance. The at least one option may be a merchant offer from a merchant located in the area of the mobile device or may include an option to exchange the foreign currency for another currency. The trip end condition may be detected by determining that the registered user and/or user's mobile device is at an international departure location. The currency exchange may be with another registered user.

Methods and systems are presented for providing a secured electronic transaction processing framework that enables online service providers to process electronic transactions for users while allowing the users to retain control over their user data. The secured electronic transaction processing framework includes a data access system configured to dynamically access user data, that is stored on user devices and controlled by users, on an as-needed basis. When a service provider server receives a request for processing a transaction through a user account, the service provider serer may use the data access system to dynamically obtain user data required for processing the transaction from a wallet application of a user device. The wallet application may include data access policies that specify data access settings for different service providers. After processing the transaction using the user data, the service provider server may remove the user data.

A method of processing a settlement includes setting a chatroom for interaction with a payment method; and sending payment details using the payment method to the chatroom and sharing the payment details with a member participating in the chatroom.

Provided is a system for developing a geographic agnostic machine learning model. The system may select transaction data associated with payment transactions conducted by a first plurality of users, wherein the transaction data includes first transaction data associated with payment transactions conducted by a first plurality of users in a first geographic area and second transaction data associated with payment transactions conducted by a second plurality of users in a second geographic area, normalize the first transaction data associated with payment transactions conducted by the first plurality of users in the first geographic area and the second transaction data associated with payment transactions conducted by the second plurality of users in the second geographic area to provide training data, generate a machine learning model using the training data, and determine a classification of an input using the machine learning model. A method and computer program product are also disclosed.

System and method for verification and/or reconciliation of electronic transactions, such as for example, toll transactions or other purchase transactions. A vehicle utilizes an onboard communication device, such as a mobile phone, to locate virtual tolling points using GPS location, and then to communicate to an electronic tolling service provider that the vehicle has passed through the virtual tolling point. In addition, roadside equipment may be used to capture photo/video of the vehicle as it passes the virtual tolling point. The GPS-based toll transaction data is used in conjunction with the photo-based toll transaction data to verify a proper toll transaction, and optionally to reconcile between missing and/or inconsistent GPS-based and photo-based toll transaction data.

A method comprises receiving, by a computing device from a customer device, a request to provision a financial account for the customer, associating, by the computing device, a mobile device with the requested financial account, and sending, by the computing device to the mobile device, authentication information for the requested financial account. The method further includes receiving the authentication information by the computing device from a financial terminal that received the authentication information from the mobile device, receiving, by the computing device, first location information of the mobile device, and provisioning, by the computing device and based on the first location information of the mobile device being within a predetermined distance of a location of the financial terminal, the requested financial account for the customer.