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.

Provided is a method and a telephone-based system with voice-verification capabilities that enable a user to safely and securely conduct transactions with his or her online financial transaction program account over the phone in a convenient and user-friendly fashion, without having to depend on an internet connection.

There is provided a method of implementing a payment in relation to a telephone call between a customer and a merchant or service provider, the telephone call consisting of a signalling component and a media component. The method comprises, when establishing the telephone call, routing the signalling component to the merchant/service provider via a payment service system and routing the media component directly to the merchant/service provider. The method further comprises, at a communication management system of the merchant or service provider, sending an indication that the customer is required to make a payment to the payment service system and, at the payment service system, upon receipt of the indication that the customer is required to make a payment, using the signalling component of the telephone call to implement a redirection of the media component of the telephone call via the payment service system, extracting payment details of the customer from the redirected media component, and providing the payment details to a payment processing system to action the payment.

The present invention relates to a server, a method and a system for allowing a user terminal to receive and use a data capacity shared by a donor terminal, and provide a reward that is as much as the data capacity shared by the donor terminal and provide, to the user terminal, charging information corresponding to the use of data, thereby enabling a fair and meaningful compensation system.

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.

Aspects of the disclosure relate to voiceprint tracking and anomaly detection. A computing platform may detect voice information from a call management system. The computing platform may establish voiceprints for employees and clients of an enterprise. The computing platform may detect a call between an employee and a caller attempting to access a client account. The computing platform may identify a first voiceprint corresponding to the employee and a second voiceprint corresponding to the caller. The computing platform may compare the second voiceprint to a known voiceprint corresponding to the client. Based on the comparison of the second voiceprint to the known voiceprint, the computing platform may determine that the second voiceprint does not match the known voiceprint. The computing platform may identify that the second voiceprint corresponds to another employee of the enterprise, and may send a security notification indicating potential unauthorized account access to an enterprise computing device.

An insight data computing system for generating a pre-chargeback record for a payment transaction between a customer and a merchant is provided. The payment transaction is authorized over a payment processing network based on transaction data submitted over the payment processing network. The transaction data is stored by the payment processing network in a historical transaction database. The insight data computing system includes an insight data interface computing device programmed to (i) receive, via an insight communication channel other than the payment processing network, an insight data message including insight data and transaction link data, (ii) store the insight data in an insight database, (iii) link the insight data to the transaction data by matching the transaction link data in the insight data to the transaction data in the historical transaction database, and (iv) generate the pre-chargeback record including the transaction data and the linked insight data.

In some examples, a system receives a request to associate a user-defined payment proxy with a financial account of a first user. The payment proxy has a syntax including a symbol followed by a string of characters. The system may generate a webpage in which the user-defined payment proxy is included in the URL of the webpage. The system may detect the payment proxy in a message associated with a second user, and may cause the webpage to be displayed on the device of the second user, including an entry field for receiving a payment amount to transfer to the first user. Based on identifying the financial account of the first user at least based on the payment proxy included in the URL of the webpage, the system initiates a transfer of the payment amount to the financial account of the first user.

The technology described herein allocates resources in a cloud computing environment using a 5G network. The system can connect a device to the 5G network and collect data related to the device such as a location of the device and characteristics of use of the device with the 5G network. The system can create a device service profile of the device based at least in part on the data related to the device. The system can then dynamically partition computing resources within the cloud computing environment for the device based on the device service profile and a time-of-day in the location of the device to thereby provide on-demand access to content or services in the cloud computing environment to the device over the 5G network.