Systems and methods for implementing payments or mobile payments. In an aspect of in-store purchase, a merchant sends a payment amount and merchant account info to transaction center. A buyer sends a code and buyer account info to transaction center. The code represents the merchant. In an aspect of online purchase, an e-commerce merchant provides options for a buyer to use names other than a first name plus a surname. In one embodiment, a buyer submits a shortened name or nickname for online purchases when a given payment service is used as a payment method.

A mobile device includes a display device; a processor; and a memory device configured to store instructions that, when executed by the processor, cause the processor to: present, by the display device, a user interface for accessing a mobile online banking application; receive a credential for authenticating and accessing the mobile online banking application; provide, by the display device, an option to create a mobile wallet during use of the mobile online banking application; and responsive to receiving an indication to create the mobile wallet, install a mobile wallet application on the mobile device for future mobile wallet transactions.

A voice payment method and an electronic device are provided. The method includes: A first electronic device receives voice information of a user, where the voice information is used to indicate a payment operation performed by the user; when a voiceprint feature of the voice information meets a preset condition, the first electronic device requests a second electronic device to authenticate the user; the second electronic device prompts the user to perform an authentication process, where the authentication process includes one or more of fingerprint authentication, facial recognition, password authentication, verification code authentication, and near field communication NFC authentication; when authentication performed by the second electronic device on the user succeeds, the second electronic device indicates to the first electronic device that authentication performed by the second electronic device on the user succeeds; and the first electronic device completes the payment operation with a payment platform.

A method for completing a transaction includes: a backend server executes an application backend of a transaction application; a first terminal device executes a first application frontend of the transaction application; the first application frontend, for starting a transaction, transmits a transaction request indicating the transaction to be started and a second application frontend different from the first application frontend and comprising transaction data associated with the indicated transaction to the application backend; a second terminal device executes the second application frontend of the transaction application; the application backend provides a transaction link for being connected to by the second application frontend and transmits an authorization request to the second application frontend; the second application frontend authorizes the requested transaction and transmits a transaction authorization to the application backend; and the application backend completes the transaction.

A method for operating a mobile Point-of-Sales (mPOS) application includes: an application frontend, for starting a transaction, captures transaction data associated with the transaction to be started and transmits a transaction request to the application backend via the connection; an application backend transmits an authorization request and a layout for a human machine interface for entering a personal key to the application frontend; the application frontend provides the human machine interface with the received layout, captures the personal key entered via the human machine interface, and generates and transmits a transaction authorization comprising the captured personal key to the application backend; and the application backend checks the captured personal key and, depending on the check, completes the transaction. touchscreen

A method for configuring a mobile Point-of-Sales (mPOS) application for executing a transaction includes: installing an application frontend of the mPOS application on a terminal device connected to a communication network; installing an application backend of the mPOS application on an edge cloud server of the communication network; configuring the application frontend to act, upon launch, as an I/O interface and to communicate with the application backend via a secure connection provided by the communication network; and splitting I/O drivers comprised by computer program code of the mPOS application into a low-level driver executed on the terminal device as part of the I/O interface and a high-level driver executed in the application backend at the edge cloud server.

A method for operating a mobile Point-of-Sales (mPOS) application includes: an application frontend of the mPOS application is installed and launched on a terminal device connected to a communication network via a secure connection; an application backend of the mPOS application is installed and launched on an edge cloud server of the communication network; the application frontend, for starting a transaction associated with the mPOS application, transmits a transaction request indicating the transaction to be started and comprising transaction data associated with the indicated transaction to the application backend via the connection; the application backend transmits an authorization request to the application frontend via the connection; the application frontend authorizes the requested transaction and transmits a transaction authorization to the application backend via the connection; and the application backend completes the transaction.

A method for completing a transaction includes: a backend server connected to a communication network executes an application backend of a transaction application; a first terminal device connected to the communication network via a first connection executes a first application frontend of the transaction application; the first application frontend transmits a transaction request indicating the transaction to be started and a second application frontend and comprising transaction data associated with the indicated transaction to the application backend via the first connection; a second terminal device connected to the communication network via a second connection executes the second application frontend of the transaction application; the application backend transmits an authorization request to the second application frontend via the second connection; the second application frontend authorizes the requested transaction and transmits a transaction authorization to the application backend via the second connection; and the application backend completes the transaction.

A method for operating a mobile Point-of-Sales (mPOS) application for executing a transaction includes: a Universal Integrated Circuit Card (UICC) card connected to a terminal device executes in interaction with the terminal device an application frontend of the mPOS application that provides, upon launch, an I/O interface with a human machine interface displayed by a touchscreen of the terminal device and a machine-to-machine interface; and the application frontend, for starting a transaction, captures transaction data associated with the transaction to be started via the human machine interface, reads further transaction data via the machine-to-machine interface from a transaction device separate from the terminal device and arranged close to the terminal device, generates a transaction authorization authorizing the requested transaction, and transmits the transaction authorization, the transaction data and the further transaction data via a connection to a remote backend server for completing the transaction.

Disclosed is an electronic device for processing a touch input. The electronic device may comprise: a touch screen; a biometric sensor disposed overlappingly at a position of at least a part of the touch screen; and a processor for acquiring biometric information of a user from an input relating to an object displayed through the touch screen, by using the biometric sensor, receiving a payment command associated with a payment function for the object, and performing the payment function for a product corresponding to the object by using the biometric information according to the payment command. Various other embodiments may be provided.