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.

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.

Images are captured of a customer during a transaction at a transaction terminal along with images associated with items of the transaction and any bags or cart used to hold the items. The images are processed to track any movement and locations of the customer, items, bags, and cart relative to a known location of the transaction terminal. When a transaction payment is required for the transaction and movement is detected in a direction that is moving away from the transaction terminal before a payment notification is received for the transaction, one or more alerts are raised as an indication to staff and/or security systems of a potential in-progress walk-away theft.

Various embodiments described herein are generally directed to techniques for managing fraud rules and generating authentication directions according to location data from one or more client devices. Embodiments may include using a payment server informed by a client device application to manage and/or apply fraud rules for transactions. In embodiments, fraud rules may be managed based on location data provided by a client device application and/or location data associated with at least one transaction system. In some embodiments, fraud rules may be managed based on location data provided by multiple client device applications and/or location data associated with at least one transaction system. In some embodiments, rules may be managed for an individual authorization request according to information from at least one client device application and location data for a transaction system associated with the authorization request.

In one aspect, a distributed ledger system include a first network node configured to detect a triggering condition for processing a claim; collect user and broker information for processing the claim; convert the information from a first computer-readable format to a second computer-readable format; validate the converted information based on corresponding digital signatures; generate claim state objects based on the validated information to be used by each node of the distributed ledger system to execute a smart contract for processing the claim; receive one or more updated claim state objects from a second network node reflecting updated processing status of the claim to be used by each node of the distributed ledger system to execute the smart contract for processing the claim; and process the claim based on results of execution of the smart contract using the one or more updated claim state objects.

Systems and methods for artificial intelligence (AI)-based systems and methods for conditional electronic processing are provided. An example method includes receiving real time data from one or more data sources associated with one or more connected smart devices; continuously evaluating the real time data to determine whether the one or more transaction conditions is met; upon determining that the one or more transaction conditions has been met, utilizing prioritized parameters to determine to which users an alert of a transaction request is broadcast; broadcasting the alert of the transaction request via a user application; transmitting, via a push notification gateway, a push notification to the user application on a user device; and establishing, via a network, a secure connection between the user device and an AI engine for executing the transaction request.

Systems, methods, and apparatuses described herein relate to a method for delivering cash to a user. The method includes receiving a cash delivery request from a first user device of the user. The method includes generating a cash authentication code (CAC) for the cash delivery request to be verified by a cash dispenser machine. The method may include transmitting the cash delivery request and the CAC to a second user device of a driver. The method may include determining a route for the driver from a first location of the driver, to a second location of a cash dispenser machine, and to a third location of the customer to deliver the cash delivery request. The method may include instructing the cash dispenser machine to dispense cash in response to authenticating the second user device based on the CAC and determining that the first current location is at the second location.

Various techniques for facilitating communication with and across a network platform and one or more user computing devices are described. For example, these techniques may include (i) generating preference data based on capturing and analyzing user interactions with respect to a set of training photographs, (ii) generating, verifying, and processing search requests to allow users to identify other users and/or target objects on the network platform, and (iii) generating, verifying, and processing link requests to allow users to create links to or associations with other users and/or target objects on the network platform, among others.

Various systems, apparatuses, and methods are described herein for enabling secure communication protocols for proximity-based validation in distributed multi-device frameworks. Distributed multi-device frameworks present unique challenges when it comes to ensuring that user communications between various devices and over variable-security communication mediums remain secure. To address the noted challenges, some embodiments of the present invention provide for an apparatus configured to establish secure communications with a central system using wallet identifying data that is configured to secure data transfers between the apparatus and the central system. In accordance with some embodiments, devices communicating on proposed networks are arranged in a manner and using a network architecture that is configured to optimize overall network security and system integrity.

A payment method and an electronic device, the method including displaying, by a first device, a first interface in response to a first operation of a user, where the first interface comprises location information and identification information of one or more electronic devices, and the location information of the one or more electronic devices is determined using at least one of an ultra-wideband (UWB) protocol or a Bluetooth low energy (BLE) protocol, determining a second device from the one or more electronic devices in response to a second operation of the user on the first interface, wherein the first device is first one of a payer device or a payee device, and the second device is a second one, different from the first one, of the payer device or the payee device, and transacting, by the first device, with the second device.