Provided is a computer-implemented method for authenticating a customer during payment transactions based on biometric identification parameters of the customer that includes receiving image data associated with an image template for identification of a customer, receiving image data associated with an image of a biometric identification parameter of the customer during a payment transaction between the customer and a merchant, establishing a short-range communication connection with a user device associated with the customer during the payment transaction between the customer and the merchant, authenticating an identity of the customer for the payment transaction via the short-range communication connection, determining an account identifier of an account of the customer based on authenticating the identity of the customer for the payment transaction, and processing the payment transaction using the account identifier of the account of the customer. A system and computer program product are also disclosed.

Systems, apparatus, methods, and non-transitory media for programmatically grouping consumers are discussed herein. Some embodiments may include a system configured to provide to shared promotion redemptions. The system may include a merchant device with processing circuitry configured to associate multiple consumer accounts with a point-of-sale order. Based on receiving redemption data from a consumer device associated with one of the consumer accounts, the system may be further configured to allow the consumer device to share a selected promotion. For example, the system may determine payment share amounts for each consumer account based on a transaction price of the point-of-sale order and the redemption value of the promotion selected for shared redemption.

The present invention provides a method and system for verifying and tracking identification information. In an embodiment of the invention, a system for delivering security solutions is provided that includes at least one of the following: a radio frequency (RF) identification device, an identification mechanism (e.g., a card, sticker), and an RF reader.

A wireless media player and a related system and methodology are provided. One aspect of the wireless media player system pertains to a virtual connector system, apparatus, and method for the automatic establishment of wireless connectivity with other electronic devices. In one embodiment, the media player device displays one of the stored display content, communicates configuration information with at least one target device via a proximity wireless link, establishes a communication link with the at least one target device in accordance with the configuration information communicated via the proximity wireless link and transmits a content which corresponds to the display content being displayed on the display unit at a time of establishing the proximity wireless link to the at least one target device over the established communication link.

A method and system for payments for mobile phone payments with a disabling feature is disclosed. The method includes activating a mobile phone containing contactless payment systems, and having a timeout feature disable the contactless payment systems after a set period of time.

Systems and methods for converting consumer coins, cash, and/or other forms of value for use with mobile commerce platforms implemented on, for example, smart phones, PDAs, and other mobile devices. In one embodiment, a method for implementing a mobile commerce account on a mobile device includes receiving coins and/or other funds from a user at a consumer-operated kiosk. The method can further include counting the coins and/or other funds to determine a value, and then communicating at least a portion of the value from the kiosk to the hand-held mobile device for deposit in the mobile commerce account.

Systems and methods are provided for configuring a user device to provide a preferred payment method for payments. When a user carries their device into a store, the device may receive information from a beacon at the store that informs the device that the user is at the store. The user device may the use the information to determine which of several payment methods will provide a maximum benefit to the user if used for a payment at that store. The benefits to the user may include points, store rewards, miles, cash back rewards or other rewards associated with a particular payment method that, at a particular time or location provide more benefit to the user than other payment methods. The user device may be configured to provide the preferred payment method prior to a communication between the user device and a point of sale device of the store.

A wireless device is enabled to provide offers. The wireless device receives card data for a financial account card and stores the card data in a memory associated with the wireless device. Responsive to using the card data in a transaction at a first merchant location, the wireless device receives transaction line-item data from a computing system associated with the first merchant location. The wireless device determines merchant information for a second merchant location and determines an offer associated with the second merchant location based on the line-item data and the merchant information for the second merchant. The wireless device presents the offer when the wireless device is near the second merchant location.

A payment terminal can have a near field communication (NFC) circuit to permit the payment terminal to accept an NFC payment transaction from a payment device of a customer. The NFC circuit can have a first set of components that are located on a printed circuit board in the base of the payment terminal and a second set of components that are mounted on a flex circuit in another region of the payment terminal. The flex circuit can be coupled to the printed circuit board and have an extended portion with a plurality of traces to communicate transmit and receive data between the first set of components and the second set of components. The plurality of traces on the extended portion can have a predetermined length that is greater than or equal to 2.5% of the propagation-medium-specific wavelength of the carrier signal communicated over the traces.

Various embodiments are described herein that relate to network-connected data cables (i.e., “smart” data cables) that are connected to a merchant's point of sale system and a receipt printer. When a transaction is initiated at the point of sale system, transaction data is created by the point of sale system and passed to the smart data cable for transmission downstream to the receipt printer. The smart data cable can parse the transaction data, copy certain elements from the transaction data, and transmit the copied elements to a cloud-based platform that processes the transaction. For example, the cloud-based platform may compare the copied elements to information supplied by the customer through a messaging application executing on the customer's user device. The information may be provided by the customer to a chat bot that is supported by the cloud-based platform.