A method of payment terminal operation, including: receiving a payment collection request for a payment from an application, generating a payment initiation request for the payment, sending the payment initiation request to a secure processing system, switching the secure processing system from operation in an unsecured mode to operation in a secured mode in response to receipt of the payment initiation request, facilitating payment information entry, and receiving a payment response notification, generated based on the payment information, at the main processor.

A system for collecting and managing parametric data via an external communications network comprises one or more parametric stations operatively connected via the external network to a certification server and a payout server. Each parametric station is configured to receive parametric data from a remote source, determine that the parametric data satisfies a predetermined condition, and transmit the parametric data over the external network to the certification server in response to the parametric data satisfying the predetermined condition. The certification server is configured to generate a certification report based on the parametric data and a data model related to the remote source and transmit the generated certification report to the payout server. The payout server is configured to determine that terms of an associated contract are satisfied based on the certification report, and trigger a payout based on the terms that are satisfied based on the certification report.

A central computer system transforms identification information of a consumer into an identity code that hides the identification information and stores it with contact information of a consumer's computer system. When a computer system on the network of the central computer system conducts a transaction with a subject who uses the identity code of the consumer, the central computer system contacts the consumer's computer system so that the consumer can stop the transaction if it is not authorized. Because only the identity code is used to protect the consumer, the original identification information of the consumer is fully protected.

A matching system that matches a first vehicle requiring substitution when being at least either loaded into or unloaded from a parking place and a remote driver driving the first vehicle as a substitute through remote operation includes a terminal and a server. The terminal transmits substitution request information to the server. The server that has received the request information transmits waiting time information to the terminal. The terminal notifies a user or a staff of the received waiting time information, accepts a waiting time information approval or additional fee payment instructions, and settles the additional fee through cooperation with the server, upon receiving the payment instructions. The server changes the turn of the first vehicle in a queue for the remote operation service such that the first vehicle is prioritized more than a second vehicle that has not paid the additional fee, upon completing the additional fee settlement.

A computer-implemented method for generating and maintaining shared ledgers for sub-merchant onboarding includes receiving a request from a payment facilitator to onboard a sub-merchant, receiving information about the sub-merchant from the payment facilitator or the sub-merchant, providing the information about the sub-merchant to a third party, receiving underwriting information corresponding to the information about the sub-merchant from the third party, generating an onboarding decision based on the information about the sub-merchant and the underwriting information, storing the information about the sub-merchant, the underwriting information, and the onboarding decision to a shared ledger, and generating and transmitting an electronic offer of a product or a service to the sub-merchant based on the stored contents of the shared ledger.

Transaction account holders are able to attach additional data to a transaction in concert with the transaction being initiated, prior to the merchant posting the transaction. Transaction account holders do not have to wait and/or opt for an external service provider to assist with the compiling and/or attaching of data at a later point in time (e.g., after the merchant posts the transaction). Transaction account holders may upload and access electronic receipts associated with a transaction authorization almost immediately after the sale and/or authorization of the transaction.

Methods for updating an application programming interface (API) field of a transaction message may include receiving, with at least one processor, a payment transaction message, wherein the payment transaction message comprises data associated with a payment transaction; determining, with at least one processor, one or more API fields of the payment transaction message based on the data associated with the payment transaction; and modifying, with at least one processor, one or more API fields of the payment transaction message. Methods may also include transmitting, with at least one processor, a modified payment transaction message based on modifying the one or more API fields of the payment transaction message. Systems and computer program products are also disclosed.

Computer-implemented methods, non-transitory, computer-readable media, and computer-implemented systems for blockchain-based payment withholding and agreement signing are described. In one computer-implemented method, an agreement signing transaction submitted by a user is received and used to authorize a payment system to provide a payment withholding service for a payment order of the user in a third-party service system. The agreement signing transaction includes agreement signing information of a tripartite agreement submitted by the user. Withholding verification logic declared in a first smart contract published on the blockchain is invoked to check whether there is a withholding agreement signed between the payment system and the third-party service system on the blockchain. If yes, the tripartite agreement is created that authorizes the payment system to provide the payment withholding service for the payment order for the user and published to the blockchain for certificate storage.

A system for integrating third-party software components with point of sale (POS) systems includes a memory and a processor in communication therewith. The processor deploys a POS adapter on a POS system. The POS adapter configures a framework for the POS system, interacts with transaction data generated by the POS system, generates an API request based on the first configured framework, accesses a façade gateway based on the API request, and receives one or more responses to the first API request from the façade gateway. The façade gateway translates the API request to be interpretable by the third-party software components, transmits the translated API request to the third-party software components, receives a response to the API request from the third-party software components, translates the response to be interpretable by the POS adapter, and transmits the translated response to the POS adapter such that it is executable by the POS system.

A method for automatically generating sample code for an API for payment processing in a payment network includes reading an acquirer processor-specific API for payment processing in a payment network using an acquirer processor-specific API reader, generating acquirer processor-specific API data using the acquirer processor-specific API reader, converting the acquirer processor-specific API data into a format compatible with an output generator, and generating language-specific sample code by the output generator using the converted acquirer processor-specific API data and a language-specific template.