Implementations of the present disclosure provide a service processing method, device, and system associated with unified resource locator (URL)-based two-dimensional (code). In an implementation, a URL is received from a first service institution. The URL is obtained by a mobile device from scanning a 2D code provided by a service provider and sent to the first service institution. The URL is then parsed to identify one or more data elements including a service network identifier, a service institution identifier, and a payload including a service object identifier. The one or more data elements is sent to the second service institution based on the service institution identifier. Service information associated with the service object is received from the second service institution based on the service object identifier, and the service information is sent to the first service institution for presenting on the mobile device.

Systems and methods for peer-to-peer money transfers are disclosed. The system may allow senders to transmit money transfers to receivers. The system may receive a money transfer request from the sender comprising the designated receiver, a money transfer amount, and a sender transaction account. The system may generate a receiver transaction account associated with the designated receiver, wherein the receiver transaction account comprises the money transfer amount. The system may provide the receiver access to the receiver transaction account using different channels, including by providing a digital transaction instrument or a physical transaction instrument.

Server computers of card issuer-processors can determine a mapping of dependencies of a plurality of components of a card processing protocol and create groups of components that can be executed in parallel. The groups of the components are sequentially processed within a limited time period.

Systems and methods relating to generating trackable transaction requests are disclosed. A financial institution computing system includes a customer database storing financial information and tracking information, a network interface circuit enabling the financial institution computing system to exchange information over a network, and a transaction circuit generating trackable transaction requests across a plurality of financial institutions. The transaction circuit receives financial information from an originator computing system over the network and generates a corresponding transaction request including a transaction identification code. The transaction request is transmitted to a correspondent institution over the network and tracking information is received from at least one correspondent institution. The tracking information is provided to the originator computing system the transaction circuit settles the transaction request.

Systems and methods for executing accelerated electronic transactions are disclosed. One method includes determining, by a transaction accelerator system, an accelerated transaction account status of a user. The transaction accelerator system may receive transaction settlement data from the user based on the account status of the user. The transaction accelerator system may determine an accelerated transaction preference of the user. The transaction accelerator system may determine a settlement value in accordance with the transaction settlement data based on the accelerated transaction preference. The transaction accelerator system may store the settlement value in an accelerated transaction database associated with an accelerated transaction account of the user in real-time.

A sales area management system includes an accounting device and a gate device. The accounting device acquires transaction information and executes accounting processing based on the transaction information. The accounting device receives the number of people associated with the transaction information and outputs payment completion information along with the associated number of people. The gate device includes receives the payment completion information and the associated number of people and detects the number of customers passing through the gate device. A notification control unit of the gate device causes a notification unit to indicate the remaining number of people corresponding to the associated number of people minus the detected number of people passing the gate. The gate device outputs error information when the detected number exceeds the associated number of people for the transaction.

Provided are a method and system for payment when a network is blocked. A method of providing a remittance service performed by a first device, the method including requesting a financial institution system to issue a block key layer for at least a portion of an amount of money retained by a user of the first device, receiving the block key layer from the financial institution system in response to the request, receiving, from a second device, remittance request data for an amount of remittance, obtaining, from the received block key layer, a block key layer corresponding to the amount of remittance, and transmitting, to the second device, a file for the block key layer corresponding to the amount of remittance.

Systems and methods for secure virtualized intermediated configuration and control of payment processing peripheral devices, as may be embodied in a SNIPP system, are provided. Such systems and methods enable the request of purchaser payment information from payment processing peripheral device(s) on behalf of a POS system and the aggregation and association of that purchaser payment information with a corresponding purchase transaction received from the POS system. The purchase transaction and the payment transaction are aggregated and thereby associated; and the resulting aggregated payment transaction is submitted to an electronic payments processing facility that responds with a confirmation indicating ‘acceptance’ or ‘denial’ of the payment transaction. The confirmation is relayed to the POS system and possibly to the payment processing peripheral device(s) such that it may be displayed to the purchaser and/or an attendant.

A new approach is proposed to support instant merchant activation for secured in-person payment at a point of sale (POS) of a merchant. When a customer initiates an in-person payment request at a payment initiation device associated with the merchant, the payment initiation device collects both sensitive and non-sensitive portions of electronic payment transaction data for the request and encrypts the sensitive data portion for secured transmission. A payment gateway in the payment transaction process relays the data and the payment request to a payment processor for approval by an issuer and transmits only the non-sensitive portion of the data to a payment service engine for risk analysis if the payment request is approved by the issuer. The payment service engine determines if the payment request is at high risk based on risk analysis of non-sensitive portion of the data and notifies the payment initiation device and/or merchant accordingly.

A fueling station payment system having a fuel pump dispensing fuel to individual customers; a forecourt controller; a terminal disposed within said fuel pump, said terminal comprising a processing unit, a secure card reader, an encryption module and a wireless communication module; said terminal being in wireless communication with a payment processor such that encrypted secure payment information is transmitted between said terminal and said payment processor; said terminal being in wireless communication with the cloud such that encrypted secure payment information is transmitted between said terminal and said cloud; one or more point of sale systems which communicate with said forecourt controller using established protocols; and a gateway device, wherein said terminal communicates wirelessly with said gateway device, and wherein said terminal and said forecourt controller communicate with each other through said gateway device, and wherein said gateway device communicates with said forecourt controller using said established protocols of said point of sale systems.