A vending machine includes a housing defining a product storage compartment for storing products. The housing of the vending machine includes a delivery portal and a front portion having a transparent panel configured to allow a consumer to view the products within the product storage compartment. A row of products is arranged within the product storage compartment. A proximity sensor is arranged within the product storage compartment and corresponds to the row of products. The proximity sensor is configured to detect a hand of a consumer within a predetermined detection distance of the proximity sensor, and a product in the row of products is selected when the hand of the consumer is detected within the predetermined detection distance of the proximity sensor. The vending machine includes a dispensing mechanism configured to convey the selected product to the delivery portal.

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.

A system, apparatus, and method for resolving a data transaction is provided in which data transactions are resolved by a hardware matching processor that identifies data transaction requests received from client devices over a data communication network, matches incoming transaction requests with previously received transaction requests, and, based thereon, transmits electronic data transaction results messages to the client device. An incoming data transaction request is received and a match is attempted with one or more previously received but not yet resolved data transaction requests. It is identified whether either the incoming data transaction request or the matching data transaction request are dependent on the resolution of another data transaction request and whether that dependent data transaction request has been resolved. The data transaction requests are resolved and/or stored based on the match and resolution of dependencies.

The present invention relates to a method for authenticating vehicle service account transactions, in which an odometer of a vehicle is digitally read and during an authentication process the odometer reading is compared to a previous digital reading of the odometer for determining whether the reading relates to an authenticated vehicle and whether the current reading relative to the previous reading justifies servicing the vehicle.

Disclosed is an electronic device including a communication interface connecting to an external device, an input interface receiving a user input, a memory storing at least one application, a display displaying an image, and a processor electrically connected to the communication interface, the input interface, the memory, and the display. The processor displays a user interface (UI) of a first application for transmitting or receiving a message stored in the memory, on a display, receives a user input for transmitting an emoji, to which a specified function is set, to an external electronic device through the input interface, obtains information necessary to perform the specified function, using identification information of the external electronic device, includes the obtained information in the emoji such that the external electronic device performs the specified function through the emoji, displays the emoji on the UI displayed on the display, and transmits the emoji to the external electronic device through the communication interface. Other various embodiments as understood from the specification are also possible.

Systems and methods in accordance with arrangements described herein can include identifying a variety of accounts associated with a user and determining a set of actions that can be taken with respect to the accounts. For instance, upon death of a user, a predetermined set of actions can be executed to transfer one or more assets as defined in a digital will. The accounts can be identified by scanning one or more accounts associated with the user. The accounts associated with the user and/or the account actions for the accounts can be automatically maintained over time. On an account transfer event, each of the accounts can be automatically transferred and/or closed in accordance with the determined account actions. In many embodiments, a password manager is maintained to facilitate the review of accounts and the performance of the appropriate actions on the occurrence of a transfer event.

A system and method for facilitating electronic commerce over a network, according to one or more embodiments, includes communicating with a user via a user device and an issuer of payment media via an issuer device over the network, the payment media being issued to the user by the issuer, receiving user instruction over the network to link the payment media to a user account related to the user, prompting the user over the network to input a secure password known only by the issuer and the user, receiving the secure password from the user over the network, verifying that the payment media is owned by the user over the network via a secure protocol, returning a response to the user related to verification of the payment media, and storing payment media verification information.

Methods and systems for hearing-impaired payment applications are provided herein. In particular, a method for performing a transaction using a hearing device payment system is provided that includes a hearing device and a cardholder computing device. The method includes pairing the hearing device to the cardholder computing device by means of a wireless communication protocol. A payment application on the cardholder computing device is started to perform a transaction. A cardholder initiates an audible instruction function of the payment application. In addition, the payment application transmits a digital audio signal to the hearing device by means of the wireless communication protocol. The digital audio signal provides an audible instruction to the cardholder via the hearing device.

Computer-implemented methods, non-transitory, computer-readable media, and computer-implemented systems for generating proof of payment. One computer-implemented method includes: verifying user information of a plurality of users of a service on a terminal device, wherein the service starts from a start location and ends at an end location, the user information comprises a quantity of the plurality of users, the plurality of users comprise an owner of a service account associated with the service to be paid for by using the terminal device and at least one companion selected by the owner; and in response to the user information of at least the owner is verified, generating at least one proof of payment based on the user information and account information of the service account, wherein the at least one proof of payment is verified at the start location and the end location.