Various systems and methods that may relate to referral and/or delivery services are described. Some embodiments may include syndicating service providers for orders to a plurality of providers, in store delivery options, mobile device ordering, price arbitrage and/or other elements. Various other embodiments are described.

A system and method for processing digital payments using a smart chip payment acceptance module associated with an Internet of Things (IoT) or vending device via a virtual EMV terminal process for cloud-based digital payment transactions. A short-range communication channel is provided between a mobile user device and the payment acceptance module. The mobile user device includes a wallet application with an integrated merchant application used to create a payment transaction. An unlock device enables digital secure remote payments (DSRP). A smart chip server connected to a payment gateway can generate an encrypted proof of payment (POP) message indicating completion of the payment transaction. The user can complete the payment transaction using the integrated wallet application within the user device in an online or offline mode of the vend device for seamless interaction with the system by a new user as well as improved flexibility for merchants and consumers.

A method conducted using a mobile device is disclosed. The mobile device comprises a contactless application including a bridging module, a computer readable medium comprising a contactless kernel, wherein the contactless kernel includes a transceiver interface coupled to a processor. The mobile device includes a contactless element coupled to the processor. The method includes receiving a trigger signal indicative of a transaction to be executed. In response to receiving the trigger signal, the contactless kernel transmits first data to the bridging module. The contactless kernel is operable in a first mode of communication. The bridging module transforms the first data in the first mode of communication to first data in a second mode of communication and passes the first data to the contactless element. The contactless element transmits the first data to a user device, and thereafter receives second data from the user device to execute the transaction.

A smart card read/write method is performed at a terminal, including: sensing a touch event of a smart card, and obtaining an application identifier corresponding to the touch event; searching for a third-party application link corresponding to the application identifier, and capturing and displaying a web page corresponding to the third-party application link, the web page comprising a function menu and an instruction script corresponding to options in the function menu being preselected from a preset standard script library; obtaining an option triggered in the function menu on the web page, and sending a smart card control request to a platform application server by executing an instruction script corresponding to the triggered option; and receiving a smart card control instruction returned by the platform application server, and invoking a corresponding interface function according to the smart card control instruction to read/write the smart card.

A cigarette vending machine that dispenses a single cigarette at a time. The cigarette vending machine includes a touchscreen that allows a user to select a particular brand of cigarettes. In addition, the vending machine includes a camera and an identification reader so that the user's age can be verified, and so that the user can be verified to be the same person as the identification holder.

The present technology pertains to storing transaction information for transactions with merchants in association with an identifier of a buyer, and transmitting an electronic receipt, including the transaction information to the buyer. The present technology includes a system and methods for associating a transaction card number with the user identifier of the buyer, such that the transaction information can be associated with the user identifier of the buyer even when the merchant does not receive the transaction card number or the user identifier of the buyer.

Various systems and methods that may relate to referral and/or delivery services are described. Some embodiments may include syndicating service providers for orders to a plurality of providers, in store delivery options, mobile device ordering, price arbitrage and/or other elements. Various other embodiments are described.

In an information processing device (settlement terminal device), a first main body that accommodates a first information processing unit in a first housing including a first input display unit (first touch panel), and a second main body that includes a second housing from which a seat unit for detachably attaching the first main body extends, and accommodates a secure second information processing unit which includes a second input display unit (second touch panel) disposed in the second housing to be on the same plane as that of the first input display unit of the first main body attached to the seat unit, and which has tamper resistance, are provided. In the information processing device, the first input display unit and the second input display unit are preferably arranged on the same plane. A secure portion can secure physically high tamper-resistance performance and the high robustness of the entire device.

A payment card reader connected to an audio port of a mobile computing device may include a card interface, the card interface configured to read data from a payment card; a TRRS connector to couple the payment card reader with the mobile computing device; and an audio interface circuit coupled with the TRRS connector. The audio interface circuit may include a communication circuit configured to transmit data to and receive data from the mobile computing device via the TRRS connector and an energy harvesting circuit configured to receive an audio signal via the TRRS connector, to harvest energy from the audio signal, and to provide energy to other components of the card reader.

Systems and methods are disclosed for obfuscating entry of sensitive data at a mobile device, which may be infected with a rogue application configured to steal the sensitive data. One method comprises detecting a prompt for a user to enter sensitive data at a mobile device, and activating one or more of an audio speaker and a vibration motor of the mobile device. The activation of the one or more of the audio speaker and the vibration motor is terminated in response detection conclusion of the user's entry of sensitive data the mobile device.