Apparatuses and methods for the assessment of electric vehicle usage fees for electric and hybrid-electric vehicles usage of roadways and waypoints over publicly or privately funded thoroughfares are disclosed herein. Exemplary implementations address automated systems of assessing fees charged for roadway and waypoint usage as applied to vehicle mileage traveled over functionally classified thoroughfares, collection of usage charges, settlement of payments to jurisdictional authorities, and/or periodic reconciliation of vehicle mileage traveled. The implementations include electric vehicles with user interfaces that have selectable trust level inputs, systems to calculate and store position information, road classes and waypoints travelled, and vehicles and users information. In one implementation(s) the electric vehicle transmits the report through a local area network based on the selected trust level, to a remotely located receiver node.

The present invention relates to a method and a system that enable a sender to send a message or another type of item to a recipient in an anonymous way, allowing the recipient to respond to the sender after receiving the message or another type of item. No data related to the sender and the recipient are retained in the system.

Transaction data is obtained relating to a current purchase transaction. An account indicator is retrieved. The transaction data is used to transform the account indicator. The transformed account indicator is encrypted to generate an encrypted account indicator.

The invention relates to a banknote (100) having a processor (124) and a memory (120). An identification number (116) of the banknote (100) is stored in the memory (120) of the security element (102) and identifies an anonymous banknote account managed by a central bank (220) issuing the banknote (100) and individually assigned to the corresponding banknote (100). A banknote-specific cryptographic key (118) is stored in a protected memory area (122) of the memory (120). A payment method executed with the banknote (100) comprises: receiving a payment request for a payment with the banknote (100), generating a payment-specific cryptogram for authorising the payment with the banknote (100), wherein the cryptogram is generated from the identification number (116) of the banknote (100) and a payment-specific code as input values using the banknote-specific cryptographic key (118), sending a payment authorisation comprising the payment-specific cryptogram.

A payment system is provided for making a payment using electronic coin data sets, having a coin register which is designed to register the electronic coin data sets; participating units which are designed to carry out payment transactions by transmitting the electronic coin data sets and to transmit status and registration requests relating to the electronic coin data sets to the coin register; and a monitoring register which is designed to analyze monitoring data sets relating to the payment transactions. A monitoring data set includes at least one register data set and at least one transaction data set in the monitoring register. The at least one register data set is provided by the coin register, and the at least one transaction data set is provided by a transaction data set source and/or the coin register.

A system and methods for zero-step customer proximity detection using mobile device low emissions beacons, which uses a customer mobile device, a single or plurality of BLUETOOTH™ low-emissions (BTLE) beacons, a network, a server, and an application that may operate separately on a mobile device and the single or plurality of BLUETOOTH™ low-emissions (BTLE) beacons, which allows businesses to detect known customers that come within a specified proximity of any connected BTLE beacons, and provide interactions with them on a zero-step and socially distanced basis, track their proximity to other customers and staff using similar applications, manage table assignments, offer deals or provide incentives to enter or patronize a business establishment.

A system and method of operating a digital financial system to extend access to digital banking to those individuals that never had a financial or digital currency account. Users are able to share their internet with other users of the digital banking app of this invention, who are nearby and have no internet connection, to conduct financial transactions by sharing the internet between them. This increases social and financial inclusion to allow unbanked that have a smartphone to have access to the internet and to affordable digital banking. It also improves on the prior art with legal compliance of country of residence verification aided by technology rather than relying solely on information provided by the users. Thereby requesting stricter verification documents to such very small minority of users who are flagged as potentially non-compliant and leave the vast majority alone enjoying their digital banking experience without exhaustive or annoying processes.

A face authentication registration device includes one or more personal information acquirers (face capturing camera and information acquisition camera) that acquire a plurality of pieces of personal information including information on a face image; a display unit (display) that displays a registration procedure of the personal information acquired by the personal information acquirer to the user; and a processor (controller) that controls the personal information acquirer and the display unit. The processor causes the display unit to display a first screen for guiding an operation of registration of the personal information to the user and a second screen for notifying the user of a completion of registration of the personal information, as the registration procedure.

Systems, computer-implemented methods, apparatus, and/or computer program products that can facilitate electronic generation of enhanced, transaction-based QR codes for improved fraud detection are provided. In various aspects, a processor can receive a signal from an electronic beacon of a point-of-sale device, wherein the signal includes information associated with a first merchant. In various instances, in response to receiving the signal from the electronic beacon, the processor can identify a quick response (QR) code from a set of quick response codes that corresponds to the first merchant. In various cases, the processor can render the identified QR code on an electronic display that is scannable by the point-of-sale device, wherein scanning the identified QR code causes the point-of-sale device to transmit the identified QR code and a second merchant identifier to a payment processor. In various aspects, the processor can receive a transaction confirmation based on a verification of a transaction completed using the identified QR code from the payment processor, wherein the verification is based on determining that the identified QR code corresponds to the merchant identifier transmitted by the point-of-sale device. In various embodiments, the identified QR code can correspond to other types of verification data (e.g., geo-location stamps, time stamps, product or service identifiers, price identifiers).

Disclosed is a system and method for implementing a network enabling an interoperable exchange of electronic payment information, which connects two parties to a transaction using established rules, technology, and trust model. Such systems and methods provide a shared set of rules and common APIs, and enable validation of the accuracy of all data exchanged via API. In order to maintain data, the systems and methods described herein enable each participant to only see interactions and information that is relevant and permissioned to such participant, all while maintaining no central data store for the sensitive electronic payment information. Each participant is vetted and authorized by a system administrator as a validated “Credential Service Provider” (“CSP”) and governed by rules created and managed by the administrator. Further, an auditable trail of all transactions is maintained by logging metadata to track events and changes to permissions.