At least one server enables a mobile device user to request delivery of cash or cash and goods at a user location. The at least one server operates to receive a transaction request message that includes data corresponding to a user financial account and an amount of value corresponding to the items to be delivered. Responsive to determining that the amount can be charged to the account, a message is sent to the mobile device. The user may use their mobile device to communicate with a delivery service to request delivery of the items. The at least one server operates to communicate with a terminal of the delivery service and the user mobile device to achieve delivery of the user requested items at a user location.

A server computer system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, a signal including digital wallet pass data; store the digital wallet pass data in association with an account; monitor location data and data associated with a value card account to identify a notification event; responsive to identifying the notification event, generate a notification based on the digital wallet pass data; and send, via the communication module and to the computing device, a signal causing the computing device to display the notification.

Provided is a method for distributed payment processing using a centralized payment processing platform. The method includes creating, using an application, an account associated with the centralized payment processing platform; creating, using the application, a virtual payment card associated with the account; receiving a selection of a balance for the virtual payment card within a limit of the account; receiving a selection of a recipient for the virtual payment card; generating a token associated with the virtual payment card; and transferring the token to the recipient. The payments made with the virtual payment card are processed by the centralized payment processing platform.

A prepaid electronic funds transferring system, components, and method is provided for users that do not have checking or savings accounts. A user has a digital currency store such as, for example, in a non-checking non-savings prepaid account associated with a secure unified prepaid banking card and/or smartphone app. Interest may be provided by an issuer on funds in the digital currency store. Debit and credit transactions may be processed. NFC and UWB geo-locating can be used to find lost cards and/or the mobile device on which the app is loaded. Electronic transactions may be received and performed without requiring a recipient to download an app. Secure semiconductors may facilitate wireless and non-wireless communications with ATMs and POS machines. QR codes may identify accounts, constitute private/public encryption keys, or other relevant info. A cold storage or hot storage system may be implemented for the digital currency store.

Systems and methods that generate data representing an analytic result relating to at least one of a state, a workflow, or an event in a digital token system, including a digital token system that cryptographically links a set of digital tokens to instances of a set of real-world entities. The systems and methods produce a cost analytic by processing a set of collected data, structuring and filtering the collected data to obtain a multi-dimensional structured data set, and querying the multi-dimensional structured data set. Systems and methods further leverage a set of data collection services configured to collect data from one or more interfaces, a set of workflows configured to produce event data, and a data store configured to store collected attribute data.

A method of value redemption including identifying, via an application server communicatively coupled to a web server, navigation to a merchant cart webpage executed by the web server. Based at least in part on a determination that a prepaid card exists within a database communicatively coupled to the application server, the method may further include verifying information associated with the prepaid card, presenting an alert at a client device indicating the existence of the prepaid card, and applying a value of the prepaid card to a purchase made via the merchant cart webpage

A payment method, apparatus, and device are provided. The method includes: determining, according to geographical location information of a user, a third-party payment institute corresponding to the user's location, obtaining, through a payment server, a payment account of the third-party payment institute compatible for a local transaction, and scanning a barcode to complete a payment using the payment account. During the payment process, a DOI including information of the payment account is presented to a merchant, and the merchant extracts the payment account therein, and forwards order information and the payment account to the third-party payment institute. The third-party payment institute identifies the payment account and forwards the same to the payment server. The payment server identifies a user identity corresponding to the payment account, and then completes the payment process.

An account is managed using information read from a dual frequency transponder. Information stored on the dual frequency transponder can be read by a NFC-enabled device and by a UHF RFID reader. The information links, corresponds, or otherwise provides access to account information stored at a remote server. For example, a NFC-enabled device can read the information from the dual frequency transponder and use that information to enable instant and on-the-spot recharging of a toll account. In addition, a UHF RFID toll reader can scan information from the dual frequency transponder and use that information to debit toll charges from the correct toll account. The dual frequency transponder can be embedded in a license plate and read using a reader placed in the road. Additionally, the transponder can be configured to function at the correct frequency only when a valid vehicle registration sticker is applied to the license plate.

The disclosure relates to interactive and adaptive systems and methods for tracking location-sensitive objects. An example method includes presenting a first set of user interfaces for receiving a visual image of the location-sensitive object, and using the image to determine an identifier and identify a geographic location. The example method also includes transmitting the identifier and the location to a remote computing device, and in response to receiving location-specific requirements. A second set of user interfaces may be generated and presented to guide a user to comply with the location-specific requirements.

Various embodiments are directed to a method and system for provisioning a merchant-specific payment apparatus, such as a temporary payment card, via a computing device, such as an automated teller machine (ATM). A user, such as a customer, may specify a merchant. A record of known payment acceptance types at that merchant may be returned, which may be used to determine what type of temporary payment card gets issued to the user.