A transaction is centrally controlled over multiple communication channels as a sequence of discrete processing units some of which are distributed. In an embodiment, the transaction's processing progression can be shared of the communication channels and paused on one communication channel and resumed on a different communication channel.

An inter-vehicle wireless payment method employing 5G communication network comprises a requesting vehicle sending a payment request to a base station; the base station retrieving vehicle information of a friend vehicle of the requesting vehicle based on the payment request; the base station encrypting request information with the vehicle information and broadcasting it; vehicles in coverage of the base station decoding broadcast information with respective vehicle information, and upon successful decoding, the friend vehicle as a responding vehicle acquiring the request information; the responding vehicle generating payment information based on the request information and sending it to the base station, the base station sending the payment information to a payment platform, and the payment platform returning a payment result to the responding vehicle; and the base station allocating a D2D communication channel to the requesting and responding vehicles, and the responding and requesting vehicles communicating via the D2D communication channel.

Systems and methods are provided to facilitate donations via mobile communications. In one aspect, a system includes a data storage facility and an interchange having a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats and with the common format processor in a common format. For a payment to a merchant, the common format processor provides a user interface configured to present charity donation options in response to a phone number being specified in the user interface to identify a fund source. The common format processor uses one of the converters to communicate with a mobile phone at the phone number to confirm the payment to the merchant and a donation to a separate charity organization specified via the user interface.

The present disclosure relates generally to electronics systems, and more specifically to mobile communications systems and devices and including subscriber identification modules to which mobile currency, i.e. airtime minutes converted into mobile currency in pre-paid denominations from a telecommunications service provider, may be uploaded and used for payment transactions in a manner that is easier and more secure by providing a system and method related to a mobile phone having one or more subscriber identification module cards.

The present disclosure relates generally to electronics systems, and more specifically to mobile communications systems and devices and including subscriber identification modules to which mobile currency, i.e. airtime minutes converted into mobile currency in pre-paid denominations from a telecommunications service provider, may be uploaded and used for payment transactions in a manner that is easier and more secure by providing a system and method related to a mobile phone having one or more subscriber identification module cards.

In some examples, a financial transaction is effectuated between first and second users of a payment service system. The payment service system receives, from the first user, a request for a first payment proxy identifier for the first user, and receives from the second user, a request for a second payment proxy identifier for the second user. The payment service system generates the payment proxy identifiers with a currency indicator prefixing one or more alphanumeric characters. The payment proxy identifiers enable the payment service system to identify the financial accounts of the respective users in lieu of payment card mechanisms. The payment service system receives a message from the second user indicating a money transfer request, initiates a transfer of funds from an account of the second user to an account of the first user, and sends an email message to the first user indicating the transfer of funds.

In some examples, a financial transaction is effectuated between first and second users of a payment service system. The payment service system receives, from the first user, a request for a first payment proxy identifier for the first user, and receives from the second user, a request for a second payment proxy identifier for the second user. The payment service system generates the payment proxy identifiers with a currency indicator prefixing one or more alphanumeric characters. The payment proxy identifiers enable the payment service system to identify the financial accounts of the respective users in lieu of payment card mechanisms. The payment service system receives a message from the second user indicating a money transfer request, initiates a transfer of funds from an account of the second user to an account of the first user, and sends an email message to the first user indicating the transfer of funds.

A method, including the steps of: a) receiving, over a mobile communication network, a user device identifier based on information maintained by a database of the mobile communication network, and first purchase price information from an internet-accessible merchant, b) determining whether a data token is maintained in a memory of the user device, c) generating and transmitting the data token to the user device for storage when the token is not maintained, d) determining, based on the user device identifier, a credit worthiness indicator for the user device, e) transmitting an authorization signal for the requested purchase without concurrently requiring payment when the creditworthiness indicator satisfies predetermined conditions, f) monitoring a total outstanding purchase balance, and g) transmitting a request signal for the user device for settlement of at least a part of the total outstanding purchase balance if this exceeds a predetermined threshold amount.

A method of social key recovery for a first communication device supporting blockchain technology with asymmetric cryptographic algorithm is disclosed. The method comprises transmitting a device identity of the first communication to a second communication on the blockchain, performing a verification operation with the second communication device, receiving a message including a verification code of the first communication device and a public key of the second communication device, from the second communication device, wherein the first message is encrypted with a public key of the first communication device, decrypting the message with a private key of the first communication device, to obtain the public key of the second communication device, and transmitting seed phrases encrypted with the public key of the second communication device for restoring a crypto wallet on the blockchain, to the second communication device.

A method of social key recovery for a first communication device supporting blockchain technology with asymmetric cryptographic algorithm is disclosed. The method comprises transmitting a device identity of the first communication to a second communication on the blockchain, performing a verification operation with the second communication device, receiving a message including a verification code of the first communication device and a public key of the second communication device, from the second communication device, wherein the first message is encrypted with a public key of the first communication device, decrypting the message with a private key of the first communication device, to obtain the public key of the second communication device, and transmitting seed phrases encrypted with the public key of the second communication device for restoring a crypto wallet on the blockchain, to the second communication device.