An apparatus for providing a bundled set of individually redeemable healthcare services in a purchase data record, determining a Good Faith Estimate (GFE) for the at least one healthcare service of the bundled set, associating the purchase data record with user debt for purchase of the healthcare services, providing a digital health asset token representing the purchase data record identified by and with a unique confirmation number, said purchase data record comprising the associated user debt of the at least one bundled set of healthcare services, and providing marketplace access to the token to finance the debt. The marketplace may use the token for buying, selling or trading the bundled set of healthcare services to finance the debt. The token and a Good Faith Estimate (GFE) may be provided to an Independent Dispute Resolution (IDR) process for resolving a dispute under the No Surprises Act.

A method for translating transaction messages includes receiving, by a server from an acquirer, an inbound transaction message that is associated with a transaction and pursuant to a first message format supported by the acquirer. The server translates the inbound transaction message from the first message format to a second message format supported by the server when the first and second message formats are different. The server processes the inbound transaction message having the second message format and generates an outbound transaction message having the second message format. The server translates the outbound transaction message from the second message format to a third message format supported by an issuer that corresponds to the transaction when the second and third message formats are different, and transmits the translated outbound transaction to the issuer for processing the transaction. Thus, the method allows the server to translate transaction messages between different message formats.

An offer processing system is configured to receive transaction data associated with user purchases from third party point of sales devices and/or third party payment processing systems. The offer processing system may then identify offers or savings that are applicable to the transaction data and redeem the offers on behalf of the users.

In one aspect, an example methodology implementing the disclosed techniques includes, responsive to a determination, by a computing device, of a scheduling of an online conference between a plurality of conference participants, the online conference including food service, determining a food service application that is appropriate for at least one conference participant in the online conference. The method also includes sending to the at least one conference participant a notification regarding the scheduling of the online conference that includes food service, wherein the notification includes a link to the food service application. The method may also include, responsive to a receipt of a bill for a food order placed with the food service application by the at least one conference participant, collecting an amount from a conference organizer to pay for the food order and making an appropriate payment to the food service application to pay for the food order.

A payment transaction processing system and a payment transaction processing method and apparatus are disclosed. The system includes: an acquiring institution configured for initiating a payment transaction request; a clearing institution configured for receiving the payment transaction request, and sending the payment transaction request to the account institution; an account institution configured for processing the payment transaction request, generating a transaction result according to a processing result, and feeding back the transaction result to the clearing institution; if the transaction result is a payment processing result indicating that a third-party account opening institution performs payment, a clearing institution sends the payment transaction request to the third-party account opening institution, and receiving a first payment transaction result returned by the third-party account opening institution, and feeding back the first payment transaction result to the acquiring institution; and the third-party account opening institution is configured for, according to the payment transaction request, performing deduction, and after the deduction has been completed, generating the first payment transaction result, and feeding back the first payment transaction result to the clearing institution. The present application can improve the safety of the transaction payment, ensure the authenticity of the transaction information, and reduce the capital clearing risk.

Disclosure includes selecting a merchant from a plurality of merchants, enabling a trial mode for the merchant, during the trial mode, receiving an indication of a first order for the merchant, forwarding the indication of the first order to the merchant, allocating a first payment for the first order to the merchant, requesting an acceptance of a membership status from the merchant, and receiving an indication of the payment for the first order.

Systems and methods include a computer-implemented method for autonomous bidder solicitation and selection. A pro forma contract defined by a variables matrix of variables is created from a received procurement request. The web is scraped to identify potential bidders based on the variables. Suppliers are registered, including obtaining, through an on-line registration process, supplier registration information including commercial license information and bank account information for each supplier. Supplier registration information of the suppliers is authenticated. Bidders for the contract are selected, including creating a bidder list identifying suppliers who are to be invited to participate in bidding. Solicitations of interest are issued to bidders identified in the bidder list, the solicitations of interest including a statement of work. Bidding parties are evaluated to identify qualified bidders. A winning bidder is selected from the bidding parties. A final contract is created for the winning bidder.

Systems and methods are provided for validating customer use of application programing interfaces (APIs). An exemplary computer-implemented method includes, in response to a request from a customer computing device for use of an API hosted by an API computing device, selecting a test case specific to the API for a test project and transmitting the test project to the customer computing device for execution by the customer computing device. The method also includes monitoring data payloads between the API computing device and the customer computing device and compiling and transmitting a report indicative of a result of the test case based on the monitored data payloads, where the report is indicative of whether the monitored data payloads are compliant with a standard associated with the API, thereby indicating certification of the customer's use of the API to provide at least one service associated with the API, or not.

A fueling station payment system having a fuel pump dispensing fuel to individual customers; a forecourt controller; a terminal disposed within said fuel pump, said terminal comprising a processing unit, a secure card reader, an encryption module and a wireless communication module; said terminal being in wireless communication with a payment processor such that encrypted secure payment information is transmitted between said terminal and said payment processor; said terminal being in wireless communication with the cloud such that encrypted secure payment information is transmitted between said terminal and said cloud; one or more point of sale systems which communicate with said forecourt controller using established protocols; and a gateway device, wherein said terminal communicates wirelessly with said gateway device, and wherein said terminal and said forecourt controller communicate with each other through said gateway device, and wherein said gateway device communicates with said forecourt controller using said established protocols of said point of sale systems.

There are provided systems and methods for application data integration for automatic data categorizations. A user associated with an organization, such as an employee of a company, may utilize a payment instrument or card affiliated with that company to make one or more purchases. In order to provide proper data allocation of transaction data resulting from that purchase, the company may utilize an expense management system to track data through one or more processes and databases. The expense management system may utilize application data integrations, such as a calendar application, in order to extract application data at a time of detection of electronic transaction processing to allocate that transaction data in real-time to particular actions taken by or engaged in by the user. Further, the application data integrations may allow for more precise data management by the expense management system.