| CPC G06Q 20/327 (2013.01) [G06Q 20/202 (2013.01); G06Q 20/36 (2013.01); G06Q 20/40 (2013.01)] | 17 Claims |

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1. An apparatus comprising a processor and a non-transitory memory storing program instructions, wherein the non-transitory memory and the program instructions are configured to, with the processor, cause the apparatus to:
receive at least one transaction session initiation request associated with a consumer device;
determine a plurality of merchant proximity scores associated with a plurality of merchant devices and the consumer device, wherein the plurality of merchant proximity scores are based on a plurality of polling requests that are (i) initiated by the plurality of merchant devices and (ii) associated with the consumer device;
determine a selected merchant device from the plurality of merchant devices based at least in part on the plurality of merchant proximity scores;
determine consumer identifying data associated with the consumer device;
establish a transaction session between the selected merchant device and the consumer device, wherein the transaction session enables communication between the selected merchant device and the consumer device; and
associate the consumer identifying data with the transaction session.
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