Techniques for providing a localized blockchain that uses a mesh network to facilitate transactions for a localized event are provided. An electronic device can receive data from a localized mesh network to establish the device as a node on the localized mesh network. The established node can generate a cryptocurrency wallet that can be loaded with an initial amount of localized cryptocurrency tokens from a total amount of localized cryptocurrency tokens. The total amount of localized cryptocurrency tokens can be previously mined by a central authority of the localized mesh network. The established node can conduct transactions within the localized mesh network utilizing the localized cryptocurrency tokens. The established node can receive a portion of a cryptocurrency token for transmitting transactional data to a next nearest node on the localized mesh network to help facilitate a transaction involving other nodes on the network.

A communication method is configured to increase speed of messages reception over a bandwidth limited channel such as high frequency (HF) radio. User data arriving from a high-speed network is transformed into a format suitable for transmission over the radio channel. Message packets that will take longer to reach a destination via the radio channel as compared to alternative channels, such as a fiber optic network, are rejected for radio transmission. When the packet is received, the receiver deduces message length by using information from various error handling techniques, such as forward error correction (FEC) and cyclic redundancy check (CRC) techniques. Fill data is transmitted between message packets when no data is available. The FEC and CRC information for the fill data is modified so that the fill data will fail FEC and CRC checks at the receiving station.

A computer implemented method (200) for securing card payment transactions made via telephone. The method (200) comprising: receiving (202) payment card data associated with a card payment transaction initiated by a cardholder (102) via a telephone call; obtaining (204) one or more additional data fields for which corresponding additional information is required for securing the transaction, the additional information being information not included with the received payment card data; obtaining (206) device information of a user device (110) associated with the cardholder (102); generating (208) customised webpage content associated with the transaction based on the additional information, the webpage content including one or more data retrieval mechanisms to be included in a webpage, the data retrieval mechanisms being configured to retrieve the additional information; sending (210) a link, by which the webpage can be accessed, to the user device (110) using the device information; receiving (212) additional information from the user device (110) obtained via the one or more data retrieval mechanisms; and attempting (214) to perform the card payment transaction using the payment card data and the received additional information. Also disclosed is a transaction system (100) for securing card payment transactions, and a computer program product.

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

A pervasive advisor for major purchases and other expenditures may detect that a customer is contemplating a major purchase (e.g., through active listening). The advisor may assist the customer with the timing and manner of making the purchase in a way that is financially sensible in view of the customer's financial situation. A customer may be provided with dynamically-updated information in response to recent actions that may affect an approved loan amount and/or interest rate. Underwriting of a loan may be triggered based on the geo-location of the user. Financial advice may be provided to customers to help them meet their goals using information obtained from third party sources, such as purchase options based on particular goals. The pervasive advisor may thus intervene to assist with budgeting, financing, and timing of major expenditures based on the customer's location and on the customer's unique and changing circumstances.

There are provided systems and methods for a network cache of device input for redundancy during device inoperability. A device may detect that the device is in danger of failure, for example, if a battery is low on the device, the device is damaged, or the device may lose network connectivity. On detection of such a condition, the device may request that a server that performs electronic transaction processing establish or trigger a mode that allows for caching of transaction data as input for the transaction data is entered to a device, which may be done by sending signaling to the server indicating the condition that affects the device's operability. The server may then cache input for the transaction data. If the device fails prior to approving and completing electronic transaction processing, the server may use the cached data to generate a digital ledger for another entity.

There are provided systems and methods for a network cache of device input for redundancy during device inoperability. A device may detect that the device is in danger of failure, for example, if a battery is low on the device, the device is damaged, or the device may lose network connectivity. On detection of such a condition, the device may request that a server that performs electronic transaction processing establish or trigger a mode that allows for caching of transaction data as input for the transaction data is entered to a device, which may be done by sending signaling to the server indicating the condition that affects the device's operability. The server may then cache input for the transaction data. If the device fails prior to approving and completing electronic transaction processing, the server may use the cached data to generate a digital ledger for another entity.

A mobile computing system comprises a transitory memory storing QR code animation information, wherein the QR code animation information comprises reassembling QR codes from a plurality of animation frames. A mobile payment provider generates a QR code, wherein the QR code authorizes a payment transaction between a shopper and a merchant. The QR code is split into a plurality of frames for animation display. The plurality of frames is reassembled to obtain a second QR code. The second QR code is provided to the mobile payment provider. The mobile payment provider generates information to enable the merchant to conduct the payment transaction with the shopper on the second device, wherein the information uniquely identifies the merchant account and ties the payment transaction to the shopper device. Further, the mobile payment provider provides the transactional information to the merchant.

A mobile computing system comprises a transitory memory storing QR code animation information, wherein the QR code animation information comprises reassembling QR codes from a plurality of animation frames. A mobile payment provider generates a QR code, wherein the QR code authorizes a payment transaction between a shopper and a merchant. The QR code is split into a plurality of frames for animation display. The plurality of frames is reassembled to obtain a second QR code. The second QR code is provided to the mobile payment provider. The mobile payment provider generates information to enable the merchant to conduct the payment transaction with the shopper on the second device, wherein the information uniquely identifies the merchant account and ties the payment transaction to the shopper device. Further, the mobile payment provider provides the transactional information to the merchant.