Provided are a re-using e-commerce payment instruments for in-store purchasing systems and methods. A customer enters a check out and a transaction at the point of sale is started. The system receives a pairing request at a wallet processor from a customer mobile device operating a mobile application. This pairing request is created and sent in response to scanning of a code having a transaction identification. The system associates a customer payment profile with the transaction identification and sends associated information to the point of sale. The point of sale sends an amount of sale to authorize to the wallet processor after completing scanning of items. The system creates an authorization for payment and sending the authorization for payment to an authorizer. The transaction may then be completed by processing payment.

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.

A system for providing and/or collecting information relating to at least one object is provided. The system comprises a radio-frequency identification, RFID, tag that is provided proximate to the at least one object, the RFID tag being configured to enable detection of a position and/or a movement of the at least one object; a server device configured to receive position and/or movement data about the at least one object; and a mobile device configured to: identify the at least one object; send a request to the server device for object information about the identified at least one object; wherein: the server device is further configured to, in response to the request, provide to the mobile device targeted object information about the identified at least one object, the targeted object information being at least partially based on the position and/or movement data; and the mobile device is further configured to display the targeted object information.

The present disclosure involves solutions for dynamically connecting a customer-owned mobile device, a cloud-based service, and one or more particular physical payment devices located at an entity. In one example, as executed at a cloud-based payment service, a unique identifier associated with a location of a mobile device of a customer is received. An entity and a first location within the entity is determined based on the unique identifier, and a particular payment device at the entity is determined. The cloud service transmits, to the particular payment device, information to be used by the particular payment device to perform the payment transaction. A second signal is transmitted to the mobile device of the customer, and includes an indication of the particular payment device at which the payment transaction is to be completed. The payment transaction can then be completed at the particular payment device.

The present system is a payment network that implements an ecosystem in which banks can issue financial products (e.g. credit cards, debit cards, and the like) and customers are able to pay in any commerce without the need for card association networks. The streamlined nature of the system allows interchange fees to be substantially reduced over current systems. In addition, the system is all digital, so that physical security features are not required. The system provides an application for a customer that can be used on a mobile phone or other computing device, downloadable point-of-sale (POS) applications that can be used for commerce, and a web based POS application for commerce. The customer application includes a marketplace and an e-wallet in one embodiment. The customer can use the marketplace to acquire and link financial products produced by the banks with the customer's e-wallet.

A method for handoff of a transaction for completion includes: registering a payment instrument with a server and storing a payment token that represents the payment instrument; storing a device identifier that corresponds to the payment token in the database record; via a point-of-sale terminal, reading the payment instrument, and transmitting it to the server; via the server, using the payment token to access the device identifier and transmitting a push notification to a device corresponding to the device identifier; upon acceptance of the push notification, executing an application on the device and simultaneously displaying details for the transaction on both the device and the point-of-sale terminal; receiving transaction completion data that is entered via the device and transmitting the transaction completion data to the server; and completing the transaction at the server and notifying the point-of-sale terminal and the device that the transaction is complete.

Various implementations described herein may relate to a system and method for providing transaction report data using a user device. In one implementation, a method may include receiving, at a token service provider (TSP), tokenization request data from a user device associated with a user, where the tokenization request data includes payment card data associated with the user. The method may also include generating a digital token based on the tokenization request data. The method may further include transmitting the digital token to the user device. The method may additionally include receiving transaction report data from the user device, where the transaction report data corresponds to a failed payment transaction performed using the digital token, the user device, and a merchant system. The method may also include generating failure data based on the transaction report data, where the failure data comprises alert data, failure report data, or combinations thereof.

A system for transacting in an environment with intermittent connectivity via a network backbone to a blockchain. A merchant device transmits a set of credentials for an ad hoc network to a buyer device and establishes a private peer-to-peer ad hoc network connection with the buyer device. It then conducts a transaction with the buyer device via the private peer-to-peer ad hoc network. If no network connection is available to a transaction blockchain, the merchant device stores a record of the transaction until such network becomes available and later sends the record of the transaction to the transaction blockchain.

A system and method for pay-to-print printing allows a pay-to-print user to pay from any source currency to target currency through the use of a cryptocurrency service. A user selects a job to be performed on an MFP, and a job cost is generated and displayed. The MFP generates and displays a barcode on its touchscreen. The user scans the barcode and their smartphone is directed to a payment service portal, such as Google Pay or Apple Pay. The user directs payment to a crypto currency sever, along with payment target and target currency for the job. The cryptocurrency server converts payment to its cryptocurrency, and then to the target currency, and relays the target currency to target. The MFP completes the job once payment has been made.