An online donation and payment management system. The system includes at least one user-recipient client device, at least one user-donor client device, a network system, at least one database for storing user profile information, an enterprise management server, and a donation gateway engine. The enterprise management server having one or more computer programs, one or more processors and one or more computer-readable storage media. The server is configured to create a profile for a user-recipient and store the profile in the first database, assign a unique account number to the user-recipient, create a virtual donation account for the user-recipient, generate a table to link the user-recipient's unique account number to the virtual donation account created for the user-recipient, receive a donation request from the at least one user-recipient client device, via the network, create an electronic payment link corresponding to the donation request, and publish a donation petition corresponding to the donation request to a donation platform, wherein the donation petition includes the electronic payment link.

Provided are computer-implemented methods for event-based communication and messaging that may include receiving transaction data for a transaction from a mobile device controlled by a requesting user, generating a payment request message based on the transaction data, transmitting the payment request message to a first plurality of mobile devices, and determining if at least one payment response message is received from at least one mobile device of the first plurality of mobile devices within a first time period. In some non-limiting embodiments or aspects, the methods may further include transmitting the payment request message to a second plurality of mobile devices, receiving a payment response message including an indication that the transaction is authorized, and processing the transaction using a payment account associated with the mobile device that transmitted the payment response message. Systems and computer program products are also provided.

Split integrator model methods and systems for conducting a consumer purchase transaction. In an embodiment, a payment system receives a checkout request message comprising checkout request data from a mobile device application running on a consumer mobile device of a consumer, identifies a payload recipient based on the checkout request data, and then transmits a transaction payload to the payload recipient that includes at least a merchant identifier, payment card account details and a purchase transaction amount. The process also includes the payment system receiving a transaction authorization request from the payload recipient, and then transmitting the transaction authorization request for purchase transaction authorization processing to an issuer financial institution (FI) computer.

A system for a customer-initiated payment transaction includes a mobile device of a customer and a payment card of the customer. The mobile device includes a mobile application or a digital wallet, on which a customer may register one or more of a plurality of payment methods. The mobile application or the digital wallet may be activated to establish a point-of-sale (OIS) system on the mobile device and include a process to authenticate the customer.

According to one aspect of the present invention for accomplishing the aforementioned purpose, a mobile authentication method performed by a portable user device comprises the steps of extracting a telephone number of the portable user device, transmitting member information including the telephone number to an authentication server, receiving a user authentication number using the member information from the authentication server, extracting unique user identifiers (UUID) of an application (app) installed in the portable user device, and transmitting the extracted UUID of the app and the received user authentication number to a service server.

A sensor device for conducting electronic transactions from a vehicle including a housing including an RFID circuit operably connected to an RFID antenna, a short range communication device, the RFID circuit and short range communication device operably connected to a processor, and a power supply. The sensor device is wirelessly connectable to a mobile communication device via the Bluetooth chip and the mobile communication device runs a software application. The RFID antenna is adapted to receive a wireless signal from a transmitter. Responsive to the wireless signal, the processor causes the short range communication device to wirelessly communicate with the mobile communication device to initiate a transaction.

The present invention is a payment system and method, which provides a solution to the problem of providing secure and contactless payments. The core components of the invention are a server or other hardware system that communicates with point of sale terminals or other vendor hardware, user devices, and bank servers to generate invoices, communicate invoices to users, authorize payments with the user and the user's bank, and send confirmation messages.

In some implementations, a system for verifying items in a retail environment includes a physical shopping cart including a first set of sensors, and an automated checkout station including a second, different set of sensors. The physical shopping cart receives item verification data for verifying an item, detects the item as it enters the physical shopping cart, and performs a primary verification of the item. The automated checkout station obtains a virtual shopping cart that corresponds to the physical shopping cart. The virtual shopping cart includes a list of items that have been placed in the physical shopping cart, and a verification status of each item. The second, different set of sensors generate station sensor data that represents the physical shopping cart and the items in the physical shopping cart. A secondary verification of the physical shopping cart and its contents is performed by the automated checkout station.

The invention relates to a method and system for booking reservations in a booking system and synchronizing bookings among several booking systems. The system comprises at least one booking system; at least one service provider; a mediator service; a client, and at least one client terminal device that can be a mobile device and that includes a dialogue. The client uses the dialogue to enter information into the system and the mediator receives inquiries and answers from the at least one booking system, the at least one service provider, and the at least one client. The mediator transfers and adapts information between them. The method and system are particularly suited for use with mobile phone users by Small Message Service messages.

An intelligent interface responds to a received order by initiating payment from an electronic wallet. An IP network interface receives requests. From the requests, an order program receives an order destined to a client establishment. A response is generated with payment options from an electronic wallet associated with the source phone number. Selection of one of the payment options in the response causes the order program to process the payment for the order from the electronic wallet and forward the order to the client establishment.