A device may receive first information related to a transaction. The device may identify a first device from which to receive an image of a receipt related to the transaction. The device may provide, to the first device, a notification to cause the first device to perform a set of actions including activating a camera associated with the first device to capture the image of the receipt, or providing, for display, an instruction related to capturing the image of the receipt associated with the transaction. The device may receive, from the first device, the image of the receipt. The device may process the image of the receipt to perform an analysis of the transaction. The device may perform an action related to the transaction based on a result of processing the image of the receipt.

The invention provides methods, systems and computer program products for implementing pre-authorized payment transactions. In an embodiment, the invention comprises at a point-of-sale (POS) terminal (i) receiving a payment initiation request, (ii) receiving payment account information associated with a payment account associated with a payor, and (iii) receiving a first input identifying the payment transaction as a payment transaction that has been pre-authorized, (iv) responsive to receiving the first input identifying the payment transaction as a payment transaction that has been pre-authorized, generating a transaction payment request based on a pre-defined request message format, wherein a personal identification number (PIN) data element within the transaction payment request is populated independent of any PIN value input at the POS terminal, and (v) routing the generated transaction payment request to a transaction authorization server that is communicably coupled to the pre-authorized transaction database.

A system for generating a contention scheme includes a computing device, the computing device configured to obtain a solvency signature as a function of a solvency entity, determine a solvency grouping as a function of the solvency signature, identify a null element as a function of the solvency grouping, wherein identifying the null element further comprises receiving a regulation element as a function of a regulation database, and identifying the null element as a function of the regulation element and the solvency grouping, produce a weighted vector as a function of the null element, and generate a contention scheme as a function of the weighted vector.

A system for generating a contention scheme includes a computing device, the computing device configured to obtain a solvency signature as a function of a solvency entity, determine a solvency grouping as a function of the solvency signature, identify a null element as a function of the solvency grouping, wherein identifying the null element further comprises receiving a regulation element as a function of a regulation database, and identifying the null element as a function of the regulation element and the solvency grouping, produce a weighted vector as a function of the null element, and generate a contention scheme as a function of the weighted vector.

The disclosure relates to a deferred real-time payment (RTP) in a trusted and secure system environment to pay for a deferred fulfillment order. The deferred fulfillment order includes products or services that may be fulfilled in part or in full after authorization of the deferred RTP. To facilitate trust and security, a deferred payment system may digitally sign certificates issued to various entities in the system environment. Devices in the system environment may transmit and receive messages to create and later settle deferred RTPs that are trusted based on authentication of the digitally signed certificates, which mitigate against security threats such as man-in-the-middle attacks in a communication network.

The disclosure relates to a deferred real-time payment (RTP) in a trusted and secure system environment to pay for a deferred fulfillment order. The deferred fulfillment order includes products or services that may be fulfilled in part or in full after authorization of the deferred RTP. To facilitate trust and security, a deferred payment system may digitally sign certificates issued to various entities in the system environment. Devices in the system environment may transmit and receive messages to create and later settle deferred RTPs that are trusted based on authentication of the digitally signed certificates, which mitigate against security threats such as man-in-the-middle attacks in a communication network.

A method and a device for managing access authorization to a payment service provided to a user is disclosed. A request to initialize at least one access authorization is received from a terminal of the owner user. Such an access authorization is intended to allow at least one delegated user to access the account of the owner user, the request comprising at least one identifier of the delegated user and one identifier of the owner user. Temporary data for accessing an account associated with the delegated user is generated, the temporary data comprising a public identifier associated with the delegated user, and a confidential code associated with the public identifier. The temporary data is transmitted to at least one terminal of the delegated user or of another user.

A method and a device for managing access authorization to a payment service provided to a user is disclosed. A request to initialize at least one access authorization is received from a terminal of the owner user. Such an access authorization is intended to allow at least one delegated user to access the account of the owner user, the request comprising at least one identifier of the delegated user and one identifier of the owner user. Temporary data for accessing an account associated with the delegated user is generated, the temporary data comprising a public identifier associated with the delegated user, and a confidential code associated with the public identifier. The temporary data is transmitted to at least one terminal of the delegated user or of another user.

The present disclosure relates to a payment system and method using a real-name account of a seller, the system and method being expanded from universal payment gateway (PG) platforms to the over the top (OTT) platform market and, more specifically, a payment system and method in which a payment exclusive account (hereinafter, payment account) opened in the real-name of a seller is used by default so that, in non-face-to-face electronic commerce, transactions may be conducted in real-time through live broadcasts between a plurality of unspecified sellers and a plurality of unspecified buyers at home and abroad, thereby enabling convenient, speedy, and safe processing with reduced processing costs.

The present disclosure relates to a payment system and method using a real-name account of a seller, the system and method being expanded from universal payment gateway (PG) platforms to the over the top (OTT) platform market and, more specifically, a payment system and method in which a payment exclusive account (hereinafter, payment account) opened in the real-name of a seller is used by default so that, in non-face-to-face electronic commerce, transactions may be conducted in real-time through live broadcasts between a plurality of unspecified sellers and a plurality of unspecified buyers at home and abroad, thereby enabling convenient, speedy, and safe processing with reduced processing costs.