Provided is a non-transitory computer-readable recording medium on which an executable program is recorded, the program causing a processor of a computer to execute outputting, to a display, information obtained by a comparison between a parking fee that increases in accordance with a lapse of a parking duration in a toll parking lot and a balance of a payment method.

Various embodiments herein each include at least one of systems, devices, methods, and software for automated session closing upon location-sensed departure. Some such embodiments may be implemented at retail outlets (e.g., restaurants, salons, stores, etc.) to automatically charge a customer account for ordered items upon an automated detection of a customer retail outlet departure. One embodiment, in the form of a method performed on a server-based system, includes receiving, via a network from a mobile device associated with a customer account, first data indicating the mobile device has departed a retail outlet. The method then generates, from stored retail session data, a final bill including an amount payable and then charges an amount payable from the final bill to a payment account associated with the customer account.

A computer-implemented method, computer program product, and computer system is provided for establishing connectivity between user devices. The computer-implemented method includes: broadcasting a message to running processes on an operating system of the first user device to indicate that a requesting application is looking for a live connection channel to attempt discovery with a second user device to ascertain virtual proximity of the first user device with the second user device. The computer-implemented method further includes receiving a response from a live connection channel and attempting to verify pairing via the live connection channel to confirm a virtual proximity of the second user device with the first user device. The pairing provides information for establishing a subsequent connection between the first and second user devices via the requesting application.

Technologies related to mobile credit payment are disclosed. In an implementation, a first SNEP Get Request Message is generated and sent to a mobile computing device, in response to a NFC signal received from the mobile computing device. A first SNEP Response Message is received from the mobile computing device and parsed to identify an APP public key license. A pre-stored credit authorization public key is used to verify the APP public key license and an APP public key is retrieved from the APP public key license if the verification is successful. A second SNEP Get Request Message is sent to the mobile computing device and a second SNEP Response Message is received from the mobile computing device. The APP public key is then used to decrypt the second SNEP Response Message, and a transaction log is recorded if the second SNEP Response Message is successfully decrypted.

Disclosed are methods and apparatuses for creating a verified mutually authenticated transaction between a service provider and an on-line identity for a physical client person. A dynamic optical mark may be displayed on a device screen where the physical client person is using a web service. The dynamic optical mark may be recognized via scanning the dynamic optical mark by a personal mobile device equipped with a camera. The verified mutually authenticated transaction between the service provider and the on-line identity for the physical client person may be used for sharing personal data of the physical client person by using out-of-band optical mark recognition of the dynamic optical mark. The verified mutually authenticated transaction may be initiated with a time-limited one-time password comprising a sequence of numbers encoded in the dynamic optical mark.

Embodiments of the invention provision multiple payment tokens on a communication device. The communication device may be provisioned with multiple limited use keys (LUK), each LUK being associated with a specific type of transaction. When the communication device is used for a transaction, the communication device automatically determines a type of the transaction and selects an appropriate LUK based on the determined transaction type. The selected LUK may be used to create a cryptogram, which can be used to verify the transaction.

An embodiment of the present invention is directed to delivering an entitlements model that scales to both mid-frequency and low-latency use cases. The innovative solution may be distributed in nature and able to operate in low priority threads alongside the main logic of the software. An embodiment of the present invention may be implemented as a software module with APIs for ease of adoption.

A wearable transaction device may include a housing, a fastener component attached to the housing, and an electronic chip secured within the housing. The wearable transaction device may detect a connection with a user device, and receive, from the user device and via the connection, security information for operating the wearable transaction device. The security information may indicate one or more conditions for placing the wearable transaction device in a payment mode or a non-payment mode. The wearable transaction device may receive a request to perform the transaction, and determine, based on the security information, whether the wearable transaction device is in the payment mode or the non-payment mode. The wearable transaction device may selectively perform the transaction based on whether the wearable transaction device is in the payment mode or the non-payment mode.

Methods and devices for subscription offerings are disclosed. The device determines a set of subscription-based applications stored on the device and for each of the subscription-based applications, determines a service type. The device then determines a first subscription service to offer the user of the device via a graphical user interface of the device. After receiving acceptance of the offer for the first subscription service from the user, the device automatically establishes a customer account for the first subscription service. Then, the device downloads a first subscription service application, generates login information for the customer account, and performs a login to the customer account with the login information.

Embodiments of the invention provision multiple payment tokens on a communication device. The communication device may be provisioned with multiple limited use keys (LUK), each LUK being associated with a specific type of transaction. When the communication device is used for a transaction, the communication device automatically determines a type of the transaction and selects an appropriate LUK based on the determined transaction type. The selected LUK may be used to create a cryptogram, which can be used to verify the transaction.