An information processing method executed by one or more processors included in an information processing apparatus. The method includes obtaining a notice indicating that a deferred payment has been selected for a settlement of a price of a product on a website; identifying a seller to which the settlement is to be made; receiving a request for settlement on an amount of money determined based on information including information on delivery of the product and information on the price of the product; and advancing the settlement in a case where the amount of money is less than or equal to an upper limit of an amount of settlement using the deferred payment allowed for a user.

Provided is a wearable personal digital device for point of healthcare saliva testing. The wearable personal digital device may comprise a processor, a display, biometric sensors, activity tracking sensors, a memory unit, a communication circuit, a housing, an input unit, a projector, a timepiece unit, a haptic touch control actuator, a band, a mounting clip, a saliva sample insert apparatus, a pinhole, a light emitting diode board, a battery, and a set of sensors. The processor may be operable to receive data from an external device, provide a notification to a user based on the data, receive a user input, and perform a command selected based on the user input. The housing may be adapted to enclose the components of the wearable personal digital device. The band may be adapted to attach to the housing and secure the wearable personal digital device on a user body.

In one embodiment, transferring payment between a first user and a second user of a communication system includes displaying a contact list in a user interface of a client executed at a user terminal of the first user, the contact list including the second user. The client retrieves and displays at least one page from a payment provider responsive to the first user selecting the second user from the contact list. The client transmits, to the payment provider, information related to the payment entered into the page by the first user, which causes the payment provider to transfer the payment from an account of the first user to an account of the second user.

In one embodiment, transferring payment between a first user and a second user of a communication system includes displaying a contact list in a user interface of a client executed at a user terminal of the first user, the contact list including the second user. The client retrieves and displays at least one page from a payment provider responsive to the first user selecting the second user from the contact list. The client transmits, to the payment provider, information related to the payment entered into the page by the first user, which causes the payment provider to transfer the payment from an account of the first user to an account of the second user.

A method for managing transmission of money via email from a sender to a recipient, comprising the steps of: (a) providing a server system comprising one or more servers, the server system comprising a processing unit; (b) providing a user list to the server system, comprising identification of one or more users; (c) providing a money account to each user of said user list, each money account allowing debiting or crediting or money, wherein the processing unit (s1) receives an email sent by a sender towards a recipient, providing information to an amount of money to be transferred from the sender to the recipient; (s2) determines if the name of the sender of step (s1) is named in said user list; (s3) determines if the name of the recipient is named in said user list; and wherein the processing unit, as a function of the result of said steps (s2) and (s3): (s4a) transfers the amount of money of step (s1) from the money account of the sender to the money account of the recipient when both the sender and the recipient are named in said user list; (s4b) sends a virtual certificate to the recipient, allowing the recipient to interact with the processing unit to collect the amount of money of step (s1), when only the sender is named in said user list; (s4c) provides instruction to the sender, allowing him to interact with the processing unit to credit the amount of money of step (s1) to the money account of the recipient, when only the recipient is named in said user list.

A method for managing transmission of money via email from a sender to a recipient, comprising the steps of: (a) providing a server system comprising one or more servers, the server system comprising a processing unit; (b) providing a user list to the server system, comprising identification of one or more users; (c) providing a money account to each user of said user list, each money account allowing debiting or crediting or money, wherein the processing unit (s1) receives an email sent by a sender towards a recipient, providing information to an amount of money to be transferred from the sender to the recipient; (s2) determines if the name of the sender of step (s1) is named in said user list; (s3) determines if the name of the recipient is named in said user list; and wherein the processing unit, as a function of the result of said steps (s2) and (s3): (s4a) transfers the amount of money of step (s1) from the money account of the sender to the money account of the recipient when both the sender and the recipient are named in said user list; (s4b) sends a virtual certificate to the recipient, allowing the recipient to interact with the processing unit to collect the amount of money of step (s1), when only the sender is named in said user list; (s4c) provides instruction to the sender, allowing him to interact with the processing unit to credit the amount of money of step (s1) to the money account of the recipient, when only the recipient is named in said user list.

A subscription identifier is communicated between the billing server and subscription server. The billing server receives a subscription identifier text message from the user device. The billing server identifies a carrier server from the subscription identifier text message. The billing server receives an authorization text message from the user device in response to an authorization request text message and charges an account of the carrier server that has been identified. If the charge has been successful, then the billing server transmits a renewal notification text message to the subscription server. The subscription server updates an account having the subscription identifier to reflect a new expiration.

A subscription identifier is communicated between the billing server and subscription server. The billing server receives a subscription identifier text message from the user device. The billing server identifies a carrier server from the subscription identifier text message. The billing server receives an authorization text message from the user device in response to an authorization request text message and charges an account of the carrier server that has been identified. If the charge has been successful, then the billing server transmits a renewal notification text message to the subscription server. The subscription server updates an account having the subscription identifier to reflect a new expiration.

A device for providing a location-based automatic participation chat room, the device, when a request to open a chat room is received along with service location information from at least one host terminal, creates at least one chat room, and sets a chat room identifier and a recognition code corresponding to each of the at least one chat room, and when at least one guest terminal accesses a location corresponding to the service location information using a pre-set participation means or the recognition code included in the participation means is received, makes the guest terminal participate in the chat room corresponding to the recognition code.

The present application describes a vending machine, communicatively coupled with a server. The vending machine comprises a Vending Machine Controller (VMC), a Data Exchange (DEX), a Vivid Transaction System (VTS), a payment device and a microcontroller. The microcontroller selects one of the DEX and the VTS, by changing a jumper setting on a GPIO. The microcontroller communicates with the VMC, the DEX and/or the VTS and the payment device in order to facilitate transaction associated with the vending machine. The microcontroller extracts at least one of inventory data and transaction data from the DEX or VTS associated with the vending machine and transmit at least one of the inventory data and the transaction data to the server for further processing and analysis. The microcontroller receives recommendation information pertaining to at least one of inventory and transaction associated to the vending machine from the server based upon the processing and analysis.