A device detection system is configured to determine whether a device is located within a venue. The device detection system detects pings from the device to determine whether the device is located within the venue. The device detection system receives point-of-sale data for a transaction from an entity associated with the venue. The point-of-sale data may be compared to data describing the detected device to determine whether the transaction was conducted by a customer associated with the detected device. The device detection system may correlate the point-of-sale data with content that was viewed by the customer to determine whether the content resulted in the customer visiting a venue and making purchases at the venue.

Receiving, at a server, an identifier from a user to authorize fuel payment at a fuel station. Associating the identifier with a carrier, the carrier being entitled to a fuel discount at the fuel station. Authorizing the fuel station to provide fuel to the user with the fuel discount, which may be variable. The identifier may be received from a mobile application, a company credit card, a personal credit card, a virtual credit card, and/or an onboard electronic logging device (ELD). The authorizing of the fuel station to provide fuel to the user with the fuel discount may be limited by an amount and/or a type of fuel. A system is provided that includes a receiver module, and a server, and a transmitter module. A non-transitory computer-readable medium storing a program for operating a fuel discount sharing application is provided.

Systems and methods are provided for authenticating mobile payments from a customer account to a merchant. The systems and methods may include a financial service provider receiving a request to authorize an electronic transaction at a point-of-sale. A financial service provider server computer may verify that the customer is present at the point-of-sale using received location data. An image having distorted text such as a captcha may be transmitted to a device at the point-of-sale, and the customer may read the captcha aloud. A voice sample of the customer may be sent to the financial service provider for comparison to stored voice recordings, to verify that the customer's voice sample is authentic if the voice matches a previously generated voice recording for the account. If the voice sample is authentic, the financial service provider may authorize the mobile payment.

A server receives an order request from a consumer device where the order request is be provisioned to a recipient at a later time and where the recipient is required to be physically present receive the order. The order request also includes a request location and a request time. As a function of the information, the method determines an estimated time to complete the order request. The method further sends a confirmation request to the consumer device requesting a confirmation response within a predetermined time. After an expiration of the predetermined time, the method completes a transaction for the order request and receives the confirmation response from the consumer device after the expiration of the predetermined time. The method sends a notification to the consumer device indicating the estimated time to complete the order request for the recipient to receive the order request.

Systems, apparatus, methods, and non-transitory media for programmatically grouping consumers are discussed herein. Some embodiments may include a system configured to provide to shared promotion redemptions. The system may include a merchant device with processing circuitry configured to associate multiple consumer accounts with a point-of-sale order. Based on receiving redemption data from a consumer device associated with one of the consumer accounts, the system may be further configured to allow the consumer device to share a selected promotion. For example, the system may determine payment share amounts for each consumer account based on a transaction price of the point-of-sale order and the redemption value of the promotion selected for shared redemption.

Systems and methods are provided for configuring a user device to provide a preferred payment method for payments. When a user carries their device into a store, the device may receive information from a beacon at the store that informs the device that the user is at the store. The user device may the use the information to determine which of several payment methods will provide a maximum benefit to the user if used for a payment at that store. The benefits to the user may include points, store rewards, miles, cash back rewards or other rewards associated with a particular payment method that, at a particular time or location provide more benefit to the user than other payment methods. The user device may be configured to provide the preferred payment method prior to a communication between the user device and a point of sale device of the store.

A wireless device is enabled to provide offers. The wireless device receives card data for a financial account card and stores the card data in a memory associated with the wireless device. Responsive to using the card data in a transaction at a first merchant location, the wireless device receives transaction line-item data from a computing system associated with the first merchant location. The wireless device determines merchant information for a second merchant location and determines an offer associated with the second merchant location based on the line-item data and the merchant information for the second merchant. The wireless device presents the offer when the wireless device is near the second merchant location.

Applications for automatically transacting charitable donations triggered by location-based events and activities. The applications aggregate triggered donations and conduct a financial transaction when the aggregate amount meets or exceeds a pre-determined threshold. The applications also generate an audible notification to the user and others nearby when each donation is triggered.

Systems and methods for token processing are disclosed. An access device can provide access device data to a mobile communication device. The communication device generates a token request including the access device data and communication device data and sends the token request to a server computer. The server computer returns a token and a token cryptogram to the mobile communication device. The token and the cryptogram may be used in a transaction.

A mobile device includes at least one processor, a memory and computer-executable instructions stored thereon. The mobile device is structured to determine first geolocation information indicative of a location of the mobile device and determine, based on the first geolocation information, that the mobile device is located within a predetermined geographic region from a plurality of merchant locations. The mobile device generates an electronic alert message regarding the plurality of merchant locations and displays the electronic alert message to the user. The mobile device determines a user selection of a payment card via a mobile wallet application running on the mobile device. Second geolocation information regarding a location of the mobile device is determined. A code generate a code for a purchase transaction is generated. The code includes the second geolocation information, tokenized payment card information, and a merchant identifier.