A server computer system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to analyze historical data transfers within one or more resource accounts to generate a data budget; receive a signal indicating a data transfer request; analyze the data transfer request and, based on the data budget, determine an affordability of the data transfer; responsive to determining that the data transfer is not affordable from one of the resource accounts, generate one or more recommendations to afford the data transfer; and send, via the communications module and to a computing device, a signal causing the computing device to display a notification that includes the one or more recommendations to afford the data transfer.

A system and method for recommending portable financial device for a payment transaction is disclosed. The method includes establishing a secure communication session with one or more external APIs during a payment transaction stage and fetching data representative of banking accounts associated with a customer from the one or more external APIs. The method further includes determining one or more transactional parameters associated with the payment transaction stage and generating an optimal score for each of the one or more portable financial devices by using Machine Learning (ML) based transaction model. The method includes identifying best suitable portable financial device with maximum optimal score and recommending the identified best suitable portable financial device for completing the payment transaction stage based on the identification. Further, the method includes outputting the recommended portable financial device on a graphical user interface of one or more electronic devices associated with the customer.

Generally, embodiments of the invention are directed to methods, computer readable medium, servers and systems for enabling merchants to use hosted order pages (HOPs) and/or silent order posts (SOPs) and thereby avoid handling payment information and the costs associated Payment Card Industry (PCI) compliance, while at the same time utilize third-party fraud detection screens and thereby avoid costs associated with fraudulent transactions.

Implementations of the present application provide data interaction and offline credit payment methods and devices. In one implementation, a credit payment code generated by a server is obtained by scanning and parsing a two-dimensional code presented on a mobile computing device for making a payment. The credit payment code is then decrypted based on asymmetric key decryption to obtain a credit payment token. The credit payment token is parsed to obtain security content included in the credit payment token. The payment associated with the credit payment code is then determined to satisfy the security content and the payment is verified with the server that generates the credit payment code at a predetermined time.

Implementations of the present application provide data interaction and offline credit payment methods and devices. In one implementation, a credit payment code generated by a server is obtained by scanning and parsing a two-dimensional code presented on a mobile computing device for making a payment. The credit payment code is then decrypted based on asymmetric key decryption to obtain a credit payment token. The credit payment token is parsed to obtain security content included in the credit payment token. The payment associated with the credit payment code is then determined to satisfy the security content and the payment is verified with the server that generates the credit payment code at a predetermined time.

Vehicle payment communications systems and methods are disclosed herein. An example method can include identifying a shared payment device, the shared payment device being a connected vehicle, transmitting a shared payment request to the shared payment device, the shared payment device authorizing a shared payment for the payment of a good or service to a merchant, receiving an indication that the shared payment has been authorized and completed in accordance with the shared payment request, and obtaining the good or service from the merchant.

In some embodiments, a method to generate a user interface for a subscription management system may include receiving first order data relating to a first subscription offering, receiving second order data related to a second subscription offering, combining the first and second order data into a subscription data structure that, calculating a combined one-time payment amount for both the first and second subscription offerings based on the quantity data, calculating a combined periodic monthly subscription payment amount for both the first and the second subscription offerings based on the quantity and period data, and/or causing presentation of both the combined one-time payment amount and the combined monthly subscription payment amount in the user interface for the subscription management system.

Provided is a tip payment method performed by a system. The system includes a terminal apparatus and a server apparatus. The method includes: acquiring, by the terminal apparatus, information identifying the employee and a requested tip amount; receiving, by the terminal apparatus, a tip payment method; transmitting, by the terminal apparatus, the information identifying the employee and the requested tip amount to the server apparatus; performing, by the server apparatus, determination of whether tip payment of the requested tip amount is possible; receiving, by the terminal apparatus, a result of the determination from the server apparatus; and performing, by the terminal apparatus, processing of the tip payment of the requested tip amount according to the tip payment method preferred by the employee when the result of the determination indicates that the tip payment is possible.

Provided is a tip payment method performed by a system. The system includes a terminal apparatus and a server apparatus. The method includes: acquiring, by the terminal apparatus, information identifying the employee and a requested tip amount; receiving, by the terminal apparatus, a tip payment method; transmitting, by the terminal apparatus, the information identifying the employee and the requested tip amount to the server apparatus; performing, by the server apparatus, determination of whether tip payment of the requested tip amount is possible; receiving, by the terminal apparatus, a result of the determination from the server apparatus; and performing, by the terminal apparatus, processing of the tip payment of the requested tip amount according to the tip payment method preferred by the employee when the result of the determination indicates that the tip payment is possible.

Systems and methods are disclosed for retrieving, from a database, over a network, historical routing data for multiple attributes and determining, for each attribute, based on its respective historical routing data, whether processing volume and processing error rates for each attribute exceed respective threshold. If both processing volume and error rate exceed their respective thresholds, the systems and methods describe herein calculate, for each qualifying attribute, a degree to which routing for each attribute can be improved. The systems and methods described herein output a ranking for each qualifying attribute based on their respective degrees to which routing can be improved for the respective attributes.