Systems and methods for applying a promotion to a payment transaction originating at a point of sale system of a merchant are described. Transactional information is provided to an acquirer computing system of the merchant. Based on identifying indicia associated with the transactional information, the acquirer computing system determines whether to modify the payment transaction messaging before communicating it along to an issuer computing system.

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.

Technology is disclosed for facilitating generation and processing of a customized promotion based on a set of factors. In some embodiments, the disclosed technology enables a particular merchant to incentivize customer business (e.g., increase customer traffic to a physical merchant location) by offering a customized promotion for placement in a receipt of a transaction with another merchant. The customized promotion, which decreases incrementally in value over time, is generated specifically for a product and/or service offered by the particular merchant. The product and/or service associated with the promotion correlates to a set of factors, including, among others, the customer's spending trend, thereby increasing the likelihood that the customer would redeem the promotion with the particular merchant in a second transaction. In some embodiments, a portion of the payment in the second transaction is distributed to the other merchant, thereby enabling both merchants to benefit from the placement of the promotion.

This disclosure describes, in part, techniques for synchronizing data between merchants' inventories, and techniques for utilizing the data synchronization to process cross-merchant transactions. For instance, a system may store a first inventory of items indicating first items offered for purchase by a first merchant and a second inventory of items indicating second items offered for purchase by a second merchant. The system may then analyze the first inventory of items with respect to the second inventory of items to determine that the second merchant should offer a first item from the first items for purchase at a physical establishment of the second merchant on behalf of the first merchant. The system can then provide a merchant device of the second merchant with access to the second inventory of items and the first item from the first inventory of items.

Systems and methods for applying a promotion to a payment transaction originating at a point of sale system of a merchant are described. Transactional information is provided to an acquirer computing system of the merchant. Based on identifying indicia associated with the transactional information, the acquirer computing system determines whether to modify the payment transaction messaging before communicating it along to an issuer computing system.

In one implementation, a checkout lane includes a point-of-sale terminal configured to complete a transaction, a payment terminal configured to receive payment information and securely transmit payment information, and a customer-facing device configured to add a product to the transaction.

Systems and methods for content selection and presentation are disclosed. Training data including indicating one or more interactions with one or more content elements and associated with one of a plurality of individual contexts is received. A selection model is trained by applying a reinforcement learning mechanism and an individual explore-exploit mechanism. A context for a user is selected by applying the selection model, which is configured to determine an expected future reward value of at least one of the plurality of individual contexts, determine an expected future reward value of a global context based on a past click-through rate, a reward value, and a future click-through rate, and, select the global context or one of the one or more individual contexts based on a comparison of the expected future reward values.

In some embodiments, apparatuses and methods are provided herein useful to presenting promotion indicators. In some embodiments, a system for presenting promotion indicators comprises a database configured to store user data, a control circuit configured to receive a user identifier, determine an identity of the user, receive a location indicator, determine a location of the mobile device, select a promotion, transmit a promotion indicator associated with the promotion and an application configured to be executed on the mobile device, wherein the application when executed by the mobile device is configured to receive the promotion indicator, cause presentation of a notification that the promotion indicator is available, determine that the mobile device is oriented toward the location, cause presentation of an augmented reality presentation including the promotion indicator, receive selection of the promotion indicator, and cause transmission, to the database, of the user identifier and an indication of the promotion.

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.

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.