According to an embodiment, an information processing device includes a control unit that is configured to store information relating to items of a plurality of stores at a shared facility and information relating to orders for the items of the plurality of stores. The control unit receives, from a terminal, an order for items of the plurality of stores. After a settlement process of the order is completed, the control unit transmits a settlement completion notice to the terminal and causes the terminal to display a settlement completion screen including a receipt request operator for transmitting a receipt request from the terminal. If the receipt request is transmitted from the terminal, and the order includes items from different stores in the plurality of stores, the control unit transmits separate electronic receipts for each of the different stores from which an item was ordered.

A computer-implemented method for allowing purchase of virtual gift cards includes receiving a communication indicating a gift card type and specifying a value amount. Responsive to the communication, a purchase of a virtual gift card of that type and storing that value amount is processed. This processing includes processing a payment for the specified value amount. Further, a gift card merchant application programming interface (API) capable of processing a purchase of a virtual gift card of the indicated gift card type is identified from amongst a set of such APIs. That API is used to initiate purchase of the virtual gift card. After the purchase is processed, an indication of the purchased virtual gift card is sent to a mobile computing device. The mobile computing device uses the indication to configure itself to allow transactions using the purchased virtual gift card to be initiated. Fraud detection may also be performed.

In one embodiment, a receipt server includes an acquisition unit and an output unit. The acquisition unit acquires receipt data on a commercial transaction, identified by transaction identification information included in settlement sales data reported from a settlement terminal to a settling agent that assists settlement of the commercial transaction, from a receipt storage unit that stores receipt data generated by the settlement terminal at a time of settlement of the commercial transaction. The output unit outputs information, relating to a purchased commercial product included in the receipt data acquired by the acquisition unit to a settlement server of the settling agent.

Improvements to existing technologies associated with point-of-sale transactions and merchant ecosystems to, among other things, reduce in-person contact and, in some examples, improve the efficiency at which point-of-sale transactions are completed (i.e., reduce friction) are described. In some examples, such reduced in-person contact and/or improved efficiencies can limit transmission of infectious diseases. As such, techniques described are directed to modifying aspects of point-of-sale transactions such that they occur on different computing devices (e.g., customer computing devices instead of merchant computing devices), are automated, and/or occur at different times than with conventional point-of-sale transactions. Furthermore, in at least one example, techniques described can leverage a distributed, network-based merchant ecosystem—comprising multiple merchant computing devices and/or customer computing devices that are specially configured to communicate with a service provider—to facilitate social distancing, which can reduce in-person contact and, in some examples, improve the efficiency at which point-of-sale transactions are completed.

An exemplary method comprises receiving information associated with a game-playing transaction conducted between a user device and a game-playing terminal, wherein the game-playing transaction is associated with a request for playing a game; determining a location of the user device associated with the game; determining the user device is located in an approved location associated with the game; and processing the game-playing transaction based on determining the user device is located in the approved location associated with the game. The game-playing transaction is conducted on a first communication interface, and the information associated with the game-playing transaction is received on a first or second communication interface.

Techniques are described herein for selecting an optimal financial account for a financial transaction. In an embodiment, a multi-account payment card is used to initiate a financial transaction. Transaction information of the financial transaction including a multi-account payment card ID is transmitted to a server for processing. The server determines that the multi-account payment card ID is associated with a plurality of financial accounts, wherein each of the plurality of financial accounts is associated with any one of a credit card, a debit card, an automatic teller machine (ATM) card, a gift card, or a credit line. A financial account of the plurality of financial accounts is selected by the server based on financial account information, such as reward information, associated with the plurality of financial accounts and the transaction information of the financial transaction. The financial transaction is then charged to the selected financial account.

A device may receive first information related to a transaction. The device may identify a first device from which to receive an image of a receipt related to the transaction. The device may provide, to the first device, a notification to cause the first device to perform a set of actions including activating a camera associated with the first device to capture the image of the receipt, or providing, for display, an instruction related to capturing the image of the receipt associated with the transaction. The device may receive, from the first device, the image of the receipt. The device may process the image of the receipt to perform an analysis of the transaction. The device may perform an action related to the transaction based on a result of processing the image of the receipt.

A method of delivering a digital receipt relating to a transaction to a user, the method comprising, at a server: receiving transaction related data from a point of sale system, the transaction related data having been intercepted in a data communications path between a point of sale terminal and a peripheral device; analysing transaction related data to extract user identification data; querying a user data module using extracted user identification data to determine user preferences relating to delivery of digital receipts; generating the digital receipt in dependence on the determined user preferences and the received transaction related data; outputting the digital receipt.

An image printing system includes a plurality of image printing apparatuses each configured to accept a print order and print the image data, a payment machine performing a billing process, and a ticketing machine. If payment at the payment machine is selected, the image printing apparatus issues a first ticket and transmits order details to the payment machine. If payment at a counter is selected, the image printing apparatus 1 transmits second key information to the ticketing machine. After performing a billing process, the payment machine issues a third ticket on which first key information is printed and transmits the first key information to the image printing apparatus. The ticketing machine issues a fourth ticket including the second key information. The image printing apparatus prints the image data if accepting input of the key information printed on the third ticket or the fourth ticket.

A proof-of-payment system that allows smart connected devices to confirm a payment information. In one example, a smart connected device that comprises a computing device and program instructions. The program instructions, when executed by the processor, cause the computing device to at least retrieve an encrypted proof-of-payment (PoP) payload from a blockchain and decrypt the encrypted PoP payload to retrieve a first identifier from the encrypted PoP payload. The first identifier from the decrypted PoP payload is matched to a second identifier presented at the smart connected device. An action is triggered in response to the first identifier from the encrypted PoP payload matching the second identifier presented at the smart connected device.