Disclosed are a system and a method capable of pricing/billing a relay commission for a delivery order in a delivery order relay system which relays delivery orders, requested by users by phone call, to a store. One aspect of the present invention provides a system for billing relay of an order call, for billing a relay commission regarding an order through phone call, comprising: an order success determination module for determining whether a phone order placed by phone call is successfully received when the phone call is connected from a user terminal to a target store; and a billing module for billing a relay commission regarding the phone order to the target store when it is determined that the phone order is successfully received.

In one embodiment, a method includes receiving, a registration request from a first user including information relating to an account of the first user and a unique payment proxy to be associated with the first user. The method includes storing the unique payment proxy in association with the account of the first user. The method includes receiving, from a mobile device of a second user, a request to transfer funds to the first user. The method includes identifying the account of the first user by retrieving the information relating to the account of the first user from the database using the unique payment proxy included in the request. The method includes providing instructions to display a user interface on the mobile device of the second user to facilitate the transfer. The user interface is personalized for the first user.

The trusted customer identity systems and methods of the invention provide secure electronic payment transactions that incorporate a customer identity verification using cross-referenced multiple data sources. The invention employs two distinct authorities to provide payment speed, simplicity, and security. The invention incorporates a network path-based identity methodology that does not require a shared piece of information between two parties. A first party receives a secure token to which it has sole access and controls possession of unique data that they append to the token. Prior to a transaction, a unique identifying characteristic of the party is used to register it as a member of the trusted customer network. The other parties on the network do not possess a copy of the unique data but, based on the registration characteristics of the first party, they know when they receive the token that only the first party could have added the unique data to the digital token. The other parties on the network can trust that the first party is the same party who registered this account to the network.

A telecommunications system for selectively connecting originator nodes to recipient nodes includes an account database with one or more accounts each associated with corresponding ones of the originator nodes and the recipient nodes. There is a contacts database with recipient contact lists each associated with a specific one of the accounts of the recipient nodes. A transaction processor is receptive to an incoming telecommunications initiation request, which includes a recipient node identifier and a nano-transaction payment submission defined at least by a payment amount. The transaction processor responsively directs the establishment of the telecommunications link between the one of the originator nodes and the one of the recipient nodes upon receipt of the telecommunications initiation request. The nano-transaction payment submission is settled based at least in part upon an active duration of the telecommunications link.

A method of operating a reference network comprising a plurality of Internet-of-things (IoT) devices. The method comprises monitoring reference activities of a plurality of IoT devices in a reference network by a first IoT device, wherein the monitoring comprises detecting events of reference rations being delivered to the IoT devices and detecting events of references being transmitted by the IoT devices, maintaining a reference ration account balance by the first IoT device for each of the IoT devices, determining by the first IoT device that a second IoT device transmits a reference while the reference ration account balance of the second IoT device is below a threshold value, and transmitting a report by the first IoT device, where the report identifies the second IoT device, identifies the reference transmitted by the second IoT device, and identifies the value of the reference ration account balance of the second IoT device.

A transaction and payment and processing system securely conducts transactions over the public telephone network. The transactions may be between and among entities of any type such as individuals, merchants, utilities, banks, etc. Nothing more than access to a telephone is required after initial registration of a user.

Methods and systems are disclosed for enabling the generation of a token corresponding to a tone generated by a telephony system, comprising receiving one or more dual tone multi-frequency (DTMF) tones generated by a telephony system, generating a token based on the one or more DTMF tones; and transmitting the generated token to a merchant system.

Methods, systems, and apparatus, including computer programs encoded on computer storage media, for fluid blob tracking. One of the methods includes receiving from a user device, a request to change an address with a financial institution. The method includes accessing an electronic bill pay system of the financial institution. The method includes identifying an external party to notify of the change of address based on data in an electronic bill pay system. The method also includes notifying the external party of the change of address, wherein the external party is independent of the financial institution.

Systems and methods for managing models for call data are disclosed. For example, the system may include one or more memory units storing instructions and one or more processors configured to execute the instructions to perform operations. The operations may include receiving, from a user device, an input indicating a segment of a first recorded call and an attribute associated with the segment. The operations may include determining a parameter of a model, wherein the model is associated with the attribute. The operations may include changing the parameter based on the input. The operations may include generating an updated model based on the changed parameter, wherein the updated model may be configured to analyze recorded calls having one or more segments with the same attribute.

Methods and systems are disclosed for enabling the generation of a token corresponding to a tone generated by a telephony system, comprising receiving one or more dual tone multi-frequency (DTMF) tones generated by a telephony system, generating a token based on the one or more DTMF tones; and transmitting the generated token to a merchant system.