Embodiments described herein provide a client system for facilitating enhanced offline payment. During operation, the system obtains a location indicator, which indicates the location of a service, from a charging system. The system then generates an offline code that allows access to the service and corresponds to the location indicator. The offline code can be readable by the charging system, and the client system and the charging system can both be offline. Subsequently, the system encodes the historical data associated with the service in a field of the offline code and sends a message comprising the offline code to the charging system.

A server and method for processing a card-not-present transaction whereby a purchaser selects to use one or more friends' card to obtain a reward is disclosed. The server comprises at least a computer processor to: (i) receive, from a merchant server, a payment request including a contact mechanism for the friend(s); (ii) send a selection request to the friend(s) using the contact mechanism; (iii) receive, from the friend(s) a selection response including card number(s) eligible for the reward; (iv) request the issuer server(s) for authentication and blocking the amount; (v) track a cumulative amount dynamically and repeat steps (iii) and (iv) until equal to or greater than the payment amount; (vi) generate a virtual card number for one time use based on the card number(s); and (vii) send a payment response to the merchant server including the virtual card number for the purchaser to complete the transaction.

An apparatus for paying a wireless charging fee for an electric vehicle while being driven may include: an electric power receiver configured to perform wireless charging of an electric vehicle; a toll fee payment processor configured to perform a fee collection processing with respect to the electric vehicle in response to a toll fee payment request from a gantry; and a controller configured to generate information on an accumulated charging amount of the electric vehicle before the electric vehicle passes through the gantry in response to the toll fee payment request from the gantry and transmit the information on the accumulated charging amount to the toll fee payment processor.

A cloud-based computing system is provided that includes a payments platform for integrating synchronous payment gateway services with a cloud computing platform so that clients of the cloud computing platform can perform payment transactions with customers via the cloud computing platform. The synchronous payment gateways that include a particular synchronous payment gateway. The cloud computing platform can include a multitenant database system that provides applications and services to a plurality of clients, and a payments platform module. Each client can be, for example, a tenant or organization of the cloud computing platform that transacts business with one or more customers via a synchronous payment gateway. The payments platform module has a pluggable architecture for integrating payment gateway adapters with the cloud computing platform.

A system, method, and computer readable medium for usage billing of one or more hosted applications serving one or more clients. The hosted applications are contained within one or more isolated environments or run without isolated environments. The system may include usage billing based on one or more of resources open, amount of data flowing through resources, number of open files, number of transactions, number of concurrent users, number of processes, CPU utilization and memory usage, The system may further include a management interface where administrators may add, remove and configure isolated environments, configure client policies and credentials, and force upgrades. If using isolated environments, the isolated environments may be isolated from other applications and the host operating system on the clients and applications within the isolated environments may run without performing an application-installation on the client.

The non-face-to-face secondhand transaction system and method are proposed. The system and method enable a non-face-to-face secondhand transaction between the seller and the purchaser of a secondhand product by providing a secondhand product intermediation space available for storage, inspection, and use of the secondhand product.

A method for mediating an atomic swap includes: receiving a swap request from a first computing device including a first address associated with a first blockchain and a network identifier associated with a second blockchain; identifying a second computing device using the network identifier and a second address associated with the second blockchain; generating a proof value and a hashlock using the proof value; transmitting (i) the hashlock and second address to the first computing device, and (ii) the hashlock and first address to the second computing device; verifying a first blockchain transaction on the first blockchain for transfer to the first address, and a second blockchain transaction on the second blockchain for transfer to the second address; and transmitting the proof value to blockchains node associated with the first and second blockchains.

A fraud detection as a service system is provided that can be implemented via one or more microservices that can be instantiated on an operation support system and/or business support systems. Each fraud detection microservice instantiated can have one or more fraud detection models and sets of rules for a particular type of incoming data stream or transaction and/or interaction data. In this way, there can be more than one fraud detection microservice operating on the OSS/BSS allowing each fraud detection microservice to be dynamically updated in real time, provide continuous integration and continuous delivery of services, and work with a particular data flow, providing for an optimal fraud detection process.

A computer-implemented workflow and project management system and method including a double approval mechanism that allows users and freelancers to manage projects, milestones, notes, and overall deliverables effectively and efficiently. The invention addresses the common problem where while one or both parties initially agree to a certain project scope the scope and expectations of the parties can change over time and the project often gets off track from the original agreement/scope. The invention's double approval process ensures that clients and freelancers are always approving and agreeing to every project milestone and every project note before tasks are started, thereby ensuring that neither party can assert that it they did not understand the project scope.

A method for biometric payments comprises: receiving biometric data obtained by a biometric reader device from a user who is registered for biometric payments with a merchant; determining a biometric identifier that is associated with the biometric data; determining a stored payment credential that is associated with the biometric identifier, wherein the stored payment credential is not stored by the merchant; determining a payment card number or payment token based on the stored payment credential; and generating an authorisation request message for processing by an issuer, wherein the authorisation request message comprises the payment card number or payment token, and a data element comprising an indication that the user was authenticated by a biometric authentication method.