A server and method for processing a card-not-present transaction whereby a purchaser selects to use one or more friends' card to obtain a reward is disclosed. The server comprises at least a computer processor to: (i) receive, from a merchant server, a payment request including a contact mechanism for the friend(s); (ii) send a selection request to the friend(s) using the contact mechanism; (iii) receive, from the friend(s) a selection response including card number(s) eligible for the reward; (iv) request the issuer server(s) for authentication and blocking the amount; (v) track a cumulative amount dynamically and repeat steps (iii) and (iv) until equal to or greater than the payment amount; (vi) generate a virtual card number for one time use based on the card number(s); and (vii) send a payment response to the merchant server including the virtual card number for the purchaser to complete the transaction.

An apparatus for paying a wireless charging fee for an electric vehicle while being driven may include: an electric power receiver configured to perform wireless charging of an electric vehicle; a toll fee payment processor configured to perform a fee collection processing with respect to the electric vehicle in response to a toll fee payment request from a gantry; and a controller configured to generate information on an accumulated charging amount of the electric vehicle before the electric vehicle passes through the gantry in response to the toll fee payment request from the gantry and transmit the information on the accumulated charging amount to the toll fee payment processor.

The non-face-to-face secondhand transaction system and method are proposed. The system and method enable a non-face-to-face secondhand transaction between the seller and the purchaser of a secondhand product by providing a secondhand product intermediation space available for storage, inspection, and use of the secondhand product.

In some embodiments, systems, apparatuses and methods are provided herein useful to provide charge allocation for split tender transactions. In some embodiments, a system includes a payment rules database, a product database, a customer database, a network interface, and a control circuit. In some embodiments, the control circuit: retrieves payment instruments associated with a customer account; retrieves eligibility rules associated with the payment instruments; receives a list of products for purchase; determines an allocation order for the payment instruments; determines a charge allocation between the payment instruments; causes the charge allocation to be displayed via a user payment user interface on a user device; and processes a transaction using two or more of the payment instruments based on the charge allocation.

A usage rule specifies a number of tokens to access a vehicle. Authorization of a request to access the vehicle is based on receiving the number of tokens specified by the usage rule. The request is stored to an electronic ledger. Actuation of the vehicle is based on the request being authorized. An allocation rule specifies the number of tokens allocated to each of an entity and the vehicle based on the request. Allocation of tokens to the entity and the vehicle is based on the allocation rule.

A computer-implemented workflow and project management system and method including a double approval mechanism that allows users and freelancers to manage projects, milestones, notes, and overall deliverables effectively and efficiently. The invention addresses the common problem where while one or both parties initially agree to a certain project scope the scope and expectations of the parties can change over time and the project often gets off track from the original agreement/scope. The invention's double approval process ensures that clients and freelancers are always approving and agreeing to every project milestone and every project note before tasks are started, thereby ensuring that neither party can assert that it they did not understand the project scope.

A method for biometric payments comprises: receiving biometric data obtained by a biometric reader device from a user who is registered for biometric payments with a merchant; determining a biometric identifier that is associated with the biometric data; determining a stored payment credential that is associated with the biometric identifier, wherein the stored payment credential is not stored by the merchant; determining a payment card number or payment token based on the stored payment credential; and generating an authorisation request message for processing by an issuer, wherein the authorisation request message comprises the payment card number or payment token, and a data element comprising an indication that the user was authenticated by a biometric authentication method.

The concepts and technologies disclosed herein are a photography composition service. According to one aspect disclosed herein, a requester device can create, on behalf of a requester user, a request for a photograph to be captured by a provider user via a provider device. The request can specify a composition template to be used by the provider user to capture the photograph. The request can further specify an offer to the provider user in compensation for capturing the photograph. The requester device can provide the request to the provider device. The requester device can determine if the offer was accepted. In response to determining that the offer was accepted, the requester device can notify the requester user that the offer was accepted. The requester device can receive the photograph and fulfill the offer to the provider user in compensation for the provider user capturing the photograph.

An embodiment of a method of providing financial data to a financial instrument smart contract in a distributed ledger system includes: receiving, by an oracle smart contract in the distributed ledger system, a transaction from the financial instrument smart contract, the transaction including registration data having an identification of financial data to be delivered and an identification of a schedule on which to deliver the financial data; generating a transaction including the financial data; and transmitting the generated transaction to at least one distributed node of the distributed ledger system according to the requested schedule.

An embodiment of a method of providing financial data to a financial instrument smart contract in a distributed ledger system includes: receiving, by an oracle smart contract in the distributed ledger system, a transaction from the financial instrument smart contract, the transaction including registration data having an identification of financial data to be delivered and an identification of a schedule on which to deliver the financial data; generating a transaction including the financial data; and transmitting the generated transaction to at least one distributed node of the distributed ledger system according to the requested schedule.