A system for data and signal routing for videotelephonic conferencing is provided. The system has a video recognition module in communication with a merchandise database, wherein the video recognition module is configured to recognize an article in-video during the telephonic conference and match it to an item in a merchandise database, a gesture module configured to recognize a user gesture and further configured to communicate the gesture to the video recognition module, a persisted cart module in communication with the gesture module and the video recognition module, wherein the persisted cart module is, in response to an input from the gesture module, configured to automatically populate both a customer interface associated with the customer and a merchant user interface associated with a merchant with a graphical cart that appears in-video on both user interface, and a display configuration module in communication with the persisted cart, wherein the display configuration module is configured to transform the article in-video to a digital graphical representation of the article in video and store it in the cart on both user interfaces.

The probabilities of transitioning between states of a given transaction sequence for a given transaction are calculated and a non-fraud score is calculated from the probabilities. The non-fraud score is provided to a fraud-detection system for determining whether the transaction sequence is more likely or less likely to be associated with fraud.

An encrypted payment message is received from a buyer relating to a transaction with a merchant. The encrypted payment message is parsed using a first parsing algorithm to obtain merchant identifying information. The encrypted payment message is further parsed using a second parsing algorithm associated with the merchant identifying information, to obtain at least some payment information for the transaction. The payment information is submitted to a third party settlement processor on behalf of the merchant, using a payment algorithm. The result of the transaction is reported to at least one of the merchant and the buyer.

The probabilities of transitioning between item states for a given item sequence of a given transaction are calculated and item non-fraud scores are calculated from the probabilities for each item of the given transaction. The item non-fraud scores for the items of the transaction are provided to a fraud-detection system for determining whether any of the item non-fraud scores is more likely or less likely to be associated with sweethearting fraud by a cashier that performed the transaction.

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 server apparatus and the like that improve operation efficiency of a marketplace for trading products are provided. The server apparatus includes a communication interface, and a controller configured to transmit and receive information to and from another apparatus via the communication interface. The controller calculates a time required until sale of a product at a display position based on a temporal change in captured images of the display position where the product is displayed until the product is sold, determines an exhibition fee for the display position based on the time required, informs a terminal apparatus of an exhibitor of the exhibition fee, and urges the exhibitor to exhibit the product for sale at the display position.

An appliance includes a body, an interface panel, a scanning device, and a controller. The interface panel is coupled to the body. The scanning device is coupled to the interface panel and is configured to conduct a facial scan and gather a facial data set. The controller is communicatively coupled to the scanning device, wherein the controller is configured to receive the facial data set and compare the facial data set to a stored verification data set. The controller is configured to activate a routine based on the comparison of the facial data set and the stored verification data set.

A method for using proxy checkout services is discussed. The method includes accessing transaction details of a potential transaction for an item or a first service at a merchant, the potential transaction initiated by a user at a user device at a first location. The method includes responsive to a determination, based on merchant characteristics or user characteristics, that use of proxy services is permitted, initiating proxy services for performing the potential transaction at different user locations. The method includes determining, based on selection criteria, a particular proxy service from the proxy services for initiating a proxy transaction based on the potential transaction using one of different user locations. The method includes causing a user interface of the user device to render a user-selectable option for performing the proxy transaction instead of the potential transaction.

Various examples described herein are directed to systems and methods for managing multi-party transactions. A payment management system may receive a premium payment message from a user computing device. The premium payment message may describe a premium payment towards a health insurance policy held by a user of the user computing device. The payment management system may initiate a deposit of the premium payment to a premium account associated with the user. The payment management system may also receive a payment instruction from a payer system of a payer associated with the health insurance policy. The payment management system may select a first patient payment source and initiate a transfer of a payment amount to a provider.