The present disclosure relates to a method for determining a functional inventory of a functional unit, wherein in the functional unit at least one function that has already been installed can be enabled and thus activated in each case and/or at least one function can be subsequently installed and so that it can be activated in each case and wherein the functional inventory of the functional unit represents the set of functions that are actually activated. The current functional inventory of the functional unit is determined by a control device of the functional unit and an actual inventory specification is generated for the current functional inventory, which describes the determined functional inventory, and in an external server device, a target inventory specification relating to a target functional inventory is requested from a predetermined blockchain credit account and in the event that the determined actual inventory specification differs from the target inventory specification, a predetermined forcing measure for predetermining the target functional inventory is triggered.

A plurality of agent terminals operable by agents of the money transfer service are interconnected by a communications network. A money transfer control system is connected to the communications network for controlling the implementation of the money transfer service. The money transfer control system includes an agent account data store storing account data for each agent and a transaction data store storing transaction data for transactions by agents implementing money transfers from a sending entity to at least one receiving entity.

A plurality of agent terminals operable by agents of the money transfer service are interconnected by a communications network. A money transfer control system is connected to the communications network for controlling the implementation of the money transfer service. The money transfer control system includes an agent account data store storing account data for each agent and a transaction data store storing transaction data for transactions by agents implementing money transfers from a sending entity to at least one receiving entity.

An alert management and real-time remediation system is disclosed. The system may receive, from an institution, an electronic file that includes an exception information (EI) data structure comprising exception information representing events and customers associated with the events, and a contact information data structure comprising an electronic address for each customer. The system may automatically parse the EI into events associated with the customers, and for each customer, send an event notification message (EN) to the electronic address of the customer, wherein the event notification message includes a link to an authentication interface of the institution associated with the customer. Responsive to the customer being authenticated by the authentication interface, providing a user interface to the electronic customer device for display to the customer, wherein the user interface displays information for each event associated with the customer and display elements from which a user may select, including a display element for a payment option; and responsive to the customer selecting the payment option, generating and sending a payment message to the institution.

Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Challenge questions may be presented from the non-merchant to the consumer after receiving the payment information, thereby allowing a Judicious determination of when to ask such challenge questions and allowing complex and probative questions. The time limit for such challenge questions may advantageously be unconstrained, while still preserving security. Also, a risk analysis may be started prior to the consumer submitting payment information, thus showing an efficient and complex risk analysis. Information about an access device used by the consumer may be obtained at the non-merchant from the access device with code sent to the access device from the merchant, and the device information may be used in the risk analysis.

Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Challenge questions may be presented from the non-merchant to the consumer after receiving the payment information, thereby allowing a Judicious determination of when to ask such challenge questions and allowing complex and probative questions. The time limit for such challenge questions may advantageously be unconstrained, while still preserving security. Also, a risk analysis may be started prior to the consumer submitting payment information, thus showing an efficient and complex risk analysis. Information about an access device used by the consumer may be obtained at the non-merchant from the access device with code sent to the access device from the merchant, and the device information may be used in the risk analysis.

A mobile commerce system and components thereof are provided in which multiple wireless mobile communications devices (mobile devices) (1) each has a unique electronic identification and processing circuit (2) capable of encrypting data utilizing an encryption key and a first software application providing connectivity to commercial webpage servers (4) for purposes that include the conduct of selected transactions involving a payment for goods or services. Each mobile device is independently enabled to conduct financial transactions in real time by communication with a financial institution. Each mobile device further has a second software application termed mobile payment application adapted to interact with the first application to receive data as to a payment required to conclude a transaction conducted by way of a commercial webpage server. The mobile payment application initiates an instruction to the financial institution to make a payment to a payee designated by way of such data wherein the instruction is encrypted utilizing the unique electronic identification and processing circuit.

The present invention includes: a plurality of terminal devices configured to wirelessly communicate with a balance storage medium; and a settlement control device that is communicably connected to each of the plurality of terminal devices. The settlement control device includes an update instruction distribution unit that distributes, to each of the terminal devices, balance update instruction information including a balance update instruction and an update instruction identification number corresponding to the balance update instruction. The terminal device includes an update control unit that performs balance update processing corresponding to the balance update instruction on the basis of a comparison between an update instruction identification number that has been acquired from the balance storage medium and that is recorded in the balance storage medium, and the update instruction identification number included in the balance update instruction information.

An expedited automated merchant boarding system in association with a distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote enhanced payment management system (EPMS). The remote EPMS pre-boards anticipated POS terminal system components and records pre-boarding results information. The POS terminal system initiates merchant boarding by transmitting merchant account information. The remote EPMS receives merchant account information and establishes a merchant account. The POS terminal system utilizes protocol transactions including auto-boarding information to initiate auto-boarding with the remote EPMS. The remote EPMS auto-boards the POS terminal system utilizing received auto-boarding information and recorded pre-boarding results. The remote EPMS turns up selected payment management services for the merchant POS terminal system. The POS terminal system utilizes payment transactions to conduct validation of successful interoperation with the remote EPMS. The remote EPMS enables utilization of selected payment management services by the POS terminal system.

A system for generating and applying a secure token in a resource distribution network is provided. For example, a headend system generates a time-based token based on a time duration specified for a meter. The time-based token indicates the time duration for the meter. The time-based token is further generated based on an identifier of the meter. The headend system transmits the time-based token to the meter via at least a mesh network. After receiving the time-based token, the meter validates the time-based token to determine that the time-based token is generated for the meter based on information related to the identifier of the meter. If the meter determines that the time-based token is valid, the meter connects premises associated with the meter to a resource distribution network for at least the time duration specified in the time-based token.