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.

A digital gifting system and method utilizing a mobile device with a gifting application is disclosed. The mobile device is configured to receive from a gift sender a gift comprising an identifier of the gift sender, a custom content, and a gift amount, wherein the gift is only spendable if a phone number of the mobile device corresponds to a predetermined phone number associated with the gift; receiving a first selection from a user of the mobile device to accept the gift amount; displaying the identifier of the gift sender and the custom content; transmitting a first notification to the gift sender that the gift has been received by the user and the custom content has been displayed to the user; and after the gift amount has been spent by the user, transmitting a second notification to the gift sender indicating how the gift amount was spent by the user.

The present disclosure describes systems, methods, and computer-readable storage media implementing techniques for providing split control of an execution environment. According to aspects of the disclosure, a first entity may be configured to exert control over presentation related aspects (e.g., the look and feel) of services provided by a second entity, while the second entity may exert control over backend processing and execution of the services. To facilitate the different portions of the split control, one or more servers may be configured to provide a first execution layer, a second execution layer, and a second execution layer control panel. The first execution layer may perform operations for executing the provisioning of the service. The second execution layer may perform operations for presenting the computing/execution environment for providing the service, and the second execution environment control panel may provide the first entity to customize/modify presentation related aspects of the computing/execution environment.

A transaction card processing and activation system comprising the identification of a unique identifier corresponding to an aggregate of transaction cards of affiliated or non-affiliated card issuers and the activation of each transaction card corresponding to the unique identifier of the aggregate irrespective of the number, types, or card issuers of the transaction cards. Additionally, the present invention allows a point of sale entity to initiate the activation of each of the multiple, disparate transaction cards in the aggregate by merely processing the unique identifier associated with the aggregate.

A computer system includes a content delivery system that delivers digital content from a source to a mobile device, which in turn presents the digital content to a recipient computer system. The recipient computer system can validate that the digital content presented by the mobile device is authorized by the source of that digital content without the recipient computer system communicating with the content delivery system for such validation. Digital content presented on a mobile phone can be validated by a recipient as being authorized by a source, without a connection to a centralized database. To perform such validation, the computer system uses i) a transaction location determined at the time of a transaction based on information received from the mobile device, and ii) a time-varying, non-predictable code associated with the transaction location.

A system and method that provide non-cash avenues to redeem a ticket voucher associated with an amount of funds.

The present technology reduces external communication, server demand, network congestion, and processing power in facilitating the transfer of stored values. The technology as disclosed herein provides for users to transmit a stored value therebetween, allowing recipients to select how they would like to receive the stored value by means of one or more digital assets or other alternate values. The technology provides for a first user to transmit a stored value to one or more recipients. Upon receiving a selection as to how the recipients would like to receive the stored value, the present technology converts from the stored value as sent by the first user to the one or more alternate values as indicated by the recipients.

A customizable payment device includes a storage having at least one application. A central processing unit (CPU) is coupled to the storage, and the CPU is configured to execute the at least one application. An input/output (I/O) interface is coupled to the CPU and to the storage. The at least one application comprises a multi-function payment application in which at least one payment function is limited in operation based on a particular product or service.

Methods, computer program products, and apparatus for open tab transactions. A customer device, e.g., a smart phone, can generate an order for purchasing one or more goods or services from a merchant. A list of the items can be stored in a data structure designated as a tab. The list is routed to a merchant device, e.g., a tablet computer. The customer device can be carried by a user to the merchant. When the user reaches the merchant, the customer device or merchant device can receive a request to add an additional item to the list. The tab remains open and modifiable until the customer device or merchant device receives an input to close it. Payment for the goods or services listed in the modified tab is processed upon closing of the tab.

There are provided systems and methods for a browser tool and application for providing an exact amount transaction funding source or gift card. A digital gift card may be generated for an exact amount by detecting a checkout total is finalized on a merchant website having a checkout process. This may be done using a computing script that parses a DOM tree for the website and identifies webpage elements to monitor. By monitoring the webpage elements, a checkout total may be detected. This may occur by detecting when input and elements are finalized and present within one or more webpage fields, such as by monitoring HTML or XML code snippets A gift card network may be used to offer an exact amount gift card to a user to be used for full payment of the transaction.