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.

A computer-implemented system and method includes determining, by a mobile device associated with a user, a location of the user, generating, by the mobile device, a code comprising a tokenized value for sending funds and the location of the user, transmitting, by the mobile device, the code to a point of sale (POS) terminal associated with a merchant as part of a mobile wallet transaction, and receiving, by the mobile device, an indication that the mobile wallet transaction has been completed.

A method is provided. The method includes receiving a request to conduct a transaction with a merchant, requesting approval of the request, receiving approval of the request, verifying the transaction, receiving a first data, receiving a second data, determining a first distance between the first computing device and the second computing device based on the first and second data, determining that the first distance between the first computing device and second computing device satisfies a first predetermined distance threshold, receiving a third data, the third computing device being associated with the second user, determining a second distance between the third computing device and the second computing device based on the third and second data, determining that the second distance between the third computing device and the second computing device satisfies a second predetermined distance threshold, and approving the transaction.

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.

Mobile battery powered workstation carts for order fulfillment are disclosed herein. In one embodiment, a battery powered workstation cart may comprise a wheeled cart having a frame, a rechargeable lithium battery, a computer, a barcode reader/scanner, a RFID reader/scanner, a printer, an artificial intelligence hub, Wi-Fi, Bluetooth Low Energy (BLE), and/or GPS. The frame may also comprise two side bracket arms and/or shelves, which may be modular to receive various different sized baskets, bins, or totes therein to expedite retail order fulfillment.

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.

Methods and apparatus consistent with the present disclosure allow a customer or payor to select from a plurality of nearby vendors or payees when a computing device of the payor is physically close to electronic devices of the payees. Payee devices and locations of those payee devices may be identified and displayed on a display of a payor device. Once displayed, a specific payee device may be selected by the customer and an order for a product or service may be sent to the selected payee device from the payor device. After the product or service has been provided to the customer, information that confirms that purchase may be sent to any of the selected payee device, the payor device, or a payment processing computer and funds to pay for the product or service may be deposited into an account of the payee based on the confirmation.

Methods and apparatuses for supporting transactions of products are provided. One of the methods comprises, receiving, by a second terminal, information of a seller that is selling the products, from a first terminal, requesting, by the second terminal, verification of the seller's information from a server, in response to successful verification of the seller's information, acquiring, by the second terminal, a transaction identifier for the products from the server, measuring, by the second terminal, a distance from the first terminal creating, by the second terminal, transaction data including the measured distance and the transaction identifier, requesting, by the second terminal, verification of the transaction data from the server and in response to receiving a message indicating successful verification of the transaction data from the server, performing, by the second terminal, a payment routine for the products.

Systems and methods for determining transaction locations are disclosed. In one embodiment, a method includes receiving, from a computing terminal, information indicating the completion of a transaction associated with a mobile device, sending, to the mobile device, a confirmation of the completion of the transaction, receiving, from the mobile device, location information indicating latitude and longitude information of the mobile device, confirming that the location information is within a predetermined distance of a stored location of the computing terminal, updating the location information associated with the computing terminal to include the received location information, and determining, based on the location information associated with the computing terminal, a location of the computing terminal..

A method is disclosed. The method includes receiving a broadcast signal from a beacon device, the broadcast signal encoding a first credential associated with a first entity. In response to receipt of the broadcast signal, the mobile communication device transmits the received first credential to an authentication system. The authentication system determines if the first entity associated with the broadcast signal is authentic and generates a confirmation message confirming the authenticity of the first entity. The mobile communication device then receives the confirmation message indicating that the first entity is authentic. The mobile communication thereafter receives and transmits a second credential for the mobile communication device to the beacon device, which transmits the second credential to the authentication system. The authentication system then confirms the authenticity of the mobile communication device. Then, the beacon device can initiate an interaction process with the user of the mobile communication device.