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.

A method and system are disclosed in an electronic payment network, for associating a payment card of a cardholder with a personal computing device of the cardholder, then authenticating the payment card in electronic transactions processed in the network. The card and a device activation code are input to the cardholder device by the cardholder, then communicated sent to a remote server for obtaining a card token. The server generates a device token and an authorisation token, stores the generated tokens together with the card token, and sends the card and device tokens to the cardholder device for storage. Whenever a transaction is processed in the network, the payment card is authenticated by inputting authenticating data to the cardholder device for generating an authorisation token, which is sent to the server with the stored card and device tokens, for a matching operation against the card, device and authorisation tokens at the server.

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.

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.

Systems and methods for facilitating a disbursement of funds to a payee are provided. The methods include receiving a payment request from a payor; generating a code, such as barcode, a Quick Response (QR) code, a Near Field Communication (NFC) code, or a textual string, that corresponds to the received payment request; transmitting the generated code to the payee; validating the code when the code is entered into a payment disbursement machine, such as an automated teller machine; and disbursing at least one of the funds and a payment voucher via the payment disbursement machine.

Various aspects of the disclosure relate to automated generation and electronic delivery of digital representations of guaranteed financial instruments. A check generation service platform may process personal financial instrument images, along with user account information, to generate electronic representations of guaranteed financial products. Delivery of the guaranteed financial product may be performed as an electronic message comprising one or more of a bar code, a QR code, or an electronic token, and an electronic image that may be executed by a third-party computing platform.

A method for identifying an object or product for purchase includes scanning, by the user, an example object for a code or marking; reading the code or marking; communicating with a database to index the code or marking with information about the example object, wherein the information includes contact information or a contact link for a manufacturer or supplier of the example object; and receiving the information and providing the information to the user. A method for purchasing a product based on the information can include receiving an order for a product using the contact information or contact link for the manufacturer or supplier; receiving payment for the order; and delivering a portion of the payment to an entity that displayed the example object from which the code or marking was scanned.

A method and system for crediting a reward to an electronic wallet account, wherein an electronic wallet account is pre-established for a user who has a pre-authorized electronic device with an electronic wallet application module, a reward application module and an image processing application module. A table of identifiers associated with a reward is pre-established, and the identifier is encoded in an image to be shown on a product. A registration of the user as a participant in a campaign is pre-established. Identifier information contained in an image captured by the electronic device is received, and it is determined whether the identifier information is in the table of identifiers. The reward associated with the user's electronic wallet account is credited, the identifier is removed from the table of identifiers, and notification of the crediting of the reward is provided.

The present disclosure relates generally to gaming systems and methods for facilitating an automatic transfer of funds to and from an electronic gaming machine via a mobile device.