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.

This disclosure describes, in part, techniques for automating transfers of funds from a deposit account of a user to a savings account of the user based on historical transaction data associated with the deposit account. Using historical deposits and withdrawals from the deposit account, a prediction may be made regarding deposits to, and withdrawals from, the deposit account that will occur in a future period. Based on that that information and a balance to maintain in the deposit account for the duration of the future period, the amount of funds to transfer from the deposit account to the savings account may be determined. The techniques may further include transferring the funds to the savings account once determined.

According to one embodiment, a merchandise sales transaction processing system includes a registration processing device to register items being purchased in a transaction, generate settlement information for the transaction based on the registered items, and store the generated settlement information in a storage device. A plurality of settlement devices are associated with the registration processing device. Each settlement device is configured to check for settlement information in the storage device, acquire the settlement information if the settlement information is stored in the storage device and at least one of the settlement devices is available for executing settlement processing based on the settlement information. The settlement device itself executes the settlement processing if it is available or, if it is unavailable, transmits the settlement information to another one of the settlement devices.

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.

According to one embodiment, a registration device for a transaction processing system includes a communication interface connected to a plurality of settlement devices via a network. The plurality of settlement devices includes a first settlement device and a second settlement device. A processor of the registration device is configured to generate settlement information required for settlement of a merchandise transaction based on the registration of items in the merchandise transaction, and then transmit the settlement information to the first settlement device. If the transmission of the settlement information to the first settlement device fails, the processor records transaction specifying information on a medium that can be given to a customer. The transaction specifying information identifies the settlement information corresponding to the merchandise transaction. The processor also store the settlement information in a storage unit when the transmission to the first settlement device fails.

Provided are a payment method and system through generation of a one-time payment-only number of a real card linked with an application, wherein in order to make payment safely by generating a one-time payment-only number every payment without leaving card information of a user in a provider's payment terminal or by using the generated one-time payment-only number, when a real card is linked with an application installed on a user terminal and the payment terminal recognizes the real card, a user signature input window, and transaction information about payment performed with a one-time payment-only number generated by a card company server are displayed on a screen of the application of the user terminal, and payment is performed when a signature of the user is input to the signature input window.

An information processing apparatus includes a communication interface for receiving order information from a user terminal and a memory unit for storing the received order information in association with a terminal identifier of the user terminal and an order status indicator. The order status indicator identifies one of a plurality of stages in a transaction from order reception to handover of an item to the user. A processor is configured to update the order status associated with the order information in response to an instruction to change an order status that is received from a store terminal. The processor causes a notification to be transmitted the user terminal when the order status associated with the order information is changed to indicate the item is ready for handover.

To conduct a payment transaction at a merchant's point of sale using a mobile device, the mobile device initiates an authenticated communication session with a payment agent. The payment agent is an entity responsible for facilitating a payment transaction between the merchant and purchaser via their respective financial institutions. During the authenticated communication session, response to an input indicating the user of the mobile device wishes to make a payment, the mobile device generates a unique payment key that is based on at least one unique data of the mobile device. The mobile device transmits the payment key to the payment agent, and then transfers a copy of the payment key to the point of sale system. The merchant's payment system that transmits the payment key to the payment agent in a transaction request. The payment agent then verifies that the received payment key is the same as they received from the mobile device, and that the authenticated communication session is still valid, and then approves the transaction.

According to an embodiment, a transaction settlement apparatus includes a communication interface connectable, to a clerk-operated register machine and at least one other transaction settlement apparatus. A processor of the apparatus operates as a master device or a satellite device. When operating as the master device, the processor is configured to receive settlement information from the register machine, perform settlement processing according to the settlement information when available for settlement processing, and transfer the settlement information to another settlement apparatus when unavailable. When operating as the satellite device, the processor is configured to receive the settlement information transferred from another settlement apparatus, perform settlement processing according to the transferred settlement information when available for settlement processing, and transmit a busy notification to the register machine if unavailable for settlement processing.

A method and system are provided for validating a promotional token redeemed at a Point-of-Sale (PoS) terminal, can include receiving, at the Point of Sale (PoS) terminal located at a physical retail location, a promotional token ID from a mobile device associated with a customer. The promotional token ID can be configured to uniquely identify a promotional token to promote a consumer packaged good (CPG) distributed on a social media platform. A CPG is entered at the PoS terminal to determine a CPG ID configured to uniquely identify the CPG. Next, a validation request is generated. The validation request comprises the promotional token ID and the CPG ID. The validation request is then transferred to a server having access to a private blockchain ledger. Upon completion, the PoS terminal will receive, from the server, the redemption status for the promotional token ID based on information stored in the private blockchain ledger responsive to the validation request.