Systems, methods, processes, computer program code and means for conducting a payment transaction are provided which include activating a payment application of a mobile device, generating, using the payment application, an optical image representing payment account information associated with the payment application, said payment account information including at least one of a payment account number, an expiry date of the payment account number, and a dynamic verification code generated by the payment application; and presenting the optical image to a merchant transaction terminal for scanning to conduct the payment transaction.

A facility for conveying accrual amounts through an intermediary service is described. The facility permits vendors to each upload unbilled amounts for one or more matters for a client according to vendor-specific matter identifiers. The facility maps the vendor-specific identifiers for the uploaded unbilled amounts to client-specific identifiers. When the facility receives a request from the client to be you unbilled amounts for one or more matters, the facility displays to a client user the unbilled amounts for the requested matters according to the client-specific identifiers associated with the requested matters.

A facility for conveying accrual amounts through an intermediary service is described. The facility permits vendors to each upload unbilled amounts for one or more matters for a client according to vendor-specific matter identifiers. The facility maps the vendor-specific identifiers for the uploaded unbilled amounts to client-specific identifiers. When the facility receives a request from the client to be you unbilled amounts for one or more matters, the facility displays to a client user the unbilled amounts for the requested matters according to the client-specific identifiers associated with the requested matters.

Systems and methods to integrate point of sale processing, online order processing, and supply chain and store management over the Internet. In one aspect, a central server provides point of sale, online order processing, and supply chain and store management functions via browser based interfaces. The system enables users to enter orders from remote locations for order fulfillment at brick and mortar retail locations, where the POS terminals configured based on the browser based interfaces can be changed into a self service mode to allow customers to place orders for themselves at the retail locations.

As described herein, a machine learning system, method, and computer program are provided for making payment related customer predictions using remotely sourced data. A system of a communication service provider (CSP) identifies a customer of the CSP. Additionally, the system collects data from a plurality of data sources independent from the CSP, the data including telephone numbers and/or webpage URLs of other services providers that are associated with making payments. Further, the system processes the collected data to form input data indicating which of the telephone numbers were contacted by the customer and/or webpage URLs were accessed by the customer. Still yet, the system processes the input data using at least one machine learning algorithm to make at least one payment related prediction for the customer. Moreover, the system outputs the at least one payment related prediction made for the customer.

Described are a method, system, and computer program product for facilitating communication between a user of a financial account and a merchant associated with at least one transaction with the financial account. The method includes receiving transaction data representative of the at least one transaction, the transaction data comprising at least one transaction identifier. The method also includes determining the merchant associated with the at least one transaction identifier and determining at least one merchant communication mode. The method further includes transmitting merchant contact data to a user device and receiving at least one selected communication mode. The method further includes generating a merchant communication session associated with the at least one selected communication mode and, in response to receiving the at least one selected communication mode, facilitating a communicative connection for the merchant communication session between the user and the merchant through the at least one selected communication mode.

A product exchange system comprising a controller and a memory coupled to the controller. The controller is configured to: provide an application programing interface configured to receive a delivery request from a first user for delivery of an item, wherein the delivery request includes an identifier of a second user, and wherein the API is configured not to receive a physical address of the second user; in response to receiving the delivery request, access a data storage system that stores an association between the identifier and the second user, and further stores one or more permission settings associated with the second user defining delivery requests to allow in response to receipt of the identifier from the first user or in response to receipt of one of the item and product characteristic; and, in response to receipt of the delivery request, tests the permission settings.

Provided is a system for conducting a payment transaction involving payment on delivery in real-time. The system may include at least one processor programmed or configured to receive transaction data associated with a payment transaction involving a merchant and a customer at a location that is independent of a merchant location, determine a financial institution of a plurality of financial institutions based on the transaction data associated with the payment transaction, communicate data associated with a request for authorization of the payment transaction involving the merchant and the customer, receive an indication of authorization of the payment transaction involving the merchant and the customer, communicate data associated with authorization of the payment transaction involving the merchant and the customer. A method and computer program product are also provided.

A non-fungible token (NFT) associated with a computer game asset can be offered to a player or spectator of a computer game along with a predicted value of the asset generated by a machine learning (ML) model.

A technique, comprising: identifying, at a node forming part of a group of nodes operating a distributed ledger comprising a block chain, a decision to retrospectively change a first smart contract prescribing one or more changes in the ledger already recorded in one or more existing blocks of the blockchain; and, without changing any existing blocks of the blockchain, updating the ledger by adding to the current end of the blockchain a new block indicating a new state of the ledger determined by a re-execution of all operations, according to the first smart contract and one or more other smart contracts, recorded in one or more blocks of the blockchain after a block recording an operation of the first smart contract, while taking into account the change to the first smart contract.