An encrypted payment message is received from a buyer relating to a transaction with a merchant. The encrypted payment message is parsed using a first parsing algorithm to obtain merchant identifying information. The encrypted payment message is further parsed using a second parsing algorithm associated with the merchant identifying information, to obtain at least some payment information for the transaction. The payment information is submitted to a third party settlement processor on behalf of the merchant, using a payment algorithm. The result of the transaction is reported to at least one of the merchant and the buyer.

A method for use in a hybrid network ecosystem comprising an enterprise network and a reconciliation network, the method comprising generating, by at least one first computing node in the enterprise network or the reconciliation network, a first digital facilitator, wherein the first digital facilitator enables a first device to use a private key to access data associated with a distributed ledger operation. The method also comprises transmitting, via the reconciliation network, the data from the first computing device to a second computing device, wherein the first computing device and the second computing device are connected via the reconciliation network.

A server apparatus and the like that improve operation efficiency of a marketplace for trading products are provided. The server apparatus includes a communication interface, and a controller configured to transmit and receive information to and from another apparatus via the communication interface. The controller calculates a time required until sale of a product at a display position based on a temporal change in captured images of the display position where the product is displayed until the product is sold, determines an exhibition fee for the display position based on the time required, informs a terminal apparatus of an exhibitor of the exhibition fee, and urges the exhibitor to exhibit the product for sale at the display position.

An appliance includes a body, an interface panel, a scanning device, and a controller. The interface panel is coupled to the body. The scanning device is coupled to the interface panel and is configured to conduct a facial scan and gather a facial data set. The controller is communicatively coupled to the scanning device, wherein the controller is configured to receive the facial data set and compare the facial data set to a stored verification data set. The controller is configured to activate a routine based on the comparison of the facial data set and the stored verification data set.

A method for using proxy checkout services is discussed. The method includes accessing transaction details of a potential transaction for an item or a first service at a merchant, the potential transaction initiated by a user at a user device at a first location. The method includes responsive to a determination, based on merchant characteristics or user characteristics, that use of proxy services is permitted, initiating proxy services for performing the potential transaction at different user locations. The method includes determining, based on selection criteria, a particular proxy service from the proxy services for initiating a proxy transaction based on the potential transaction using one of different user locations. The method includes causing a user interface of the user device to render a user-selectable option for performing the proxy transaction instead of the potential transaction.

A system for determination of a revenue share of a mobility player (MP) of a MaaS network is disclosed. An MP node of the MP is on-boarded to a node package of the MaaS network and gets associated with a MaaS node of the node package, based on an on-boarding process. The on-boarding process includes a definition of a service structure including configuration data of the MP and a signing off of the MP node to a service agreement and a privacy policy associated with the MaaS network based on terms of service of the service agreement. Once, the MP node is on-boarded to the node package, the MaaS node and/or one or more external nodes, such as, a plurality of aggregator nodes and a central MaaS node may determine a revenue share of the MP based on receipt of a trigger event associated with the node package.

Disclosed are a payment apparatus and a method of controlling the same. With this, it is possible to receive payment information based on Table Pay; analyze a payment card image included in the payment information, and divide the payment card image into a first region comprising sensitive data that needs security and a second region comprising general data other than the sensitive data; differently set the plurality of encryption units corresponding to the first region and the second region so that the first region and the second region can be differentially subjected to encryption; and divide the payment card image into a plurality of encryption units, and perform the encryption with regard to the plurality of encryption units independently of each other.

A computer-implemented method for prepaid card funding for sponsored purchases includes receiving a payment request for funding a sponsored purchase using a payment vehicle, deducting funds from a financial account associated with the payment vehicle, such that the financial account has a negative balance, and loading additional funds into the financial account associated with the payment vehicle, such that the financial account has a zero balance.

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 related to resource distribution for a fleet of machines are disclosed. A system may include a fleet of machines each having an associated resource capacity and a resource requirement to perform a task. The system may further include a controller having a resource requirement circuit to determine an aggregated amount of the resource requirement and an aggregated amount of the resource capacity. A resource distribution circuit may adaptively improve, in response to an aggregated amount of the resource capacity, an aggregated resource delivery of the resource.