A balance card the always maintains a balance between $0.00 and $0.99 that provides cents amount to any transaction involving a dollar amount and cents amount. If the card balance is high enough to cover the cents amount of the transaction, that is subtracted from the card. If the card balance is not high enough, the total transaction amount is augmented by $1.00 and the change amount from this is added to the card.

The Event-Triggered Business-To-Business Electronic Payment Processing Apparatuses, Methods And Systems (hereinafter “B2B-PAY”) provides a business-to-business payment platform which facilitates business to business payment triggered by a user event, and transforms purchase item information inputs or purchase receipt inputs via B2B-PAY components into restricted-use account payment settlement outputs. In one embodiment, a method is disclosed, including: receiving a first payment request from a healthcare provider, the first payment request including healthcare bill information and user payment information loaded via a user vehicle; transmitting a second payment request to an insurance provider, the second payment request comprising an insured amount; receiving an indication of an approved amount from the insurance provider; facilitating payment of the approved amount from the insurance provider to the healthcare provider; calculating a user responsible amount; and facilitating payment of the calculated user responsible amount from the user to the healthcare provider.

A method, system, and computer program product generate, with a payment network, a first value (a) and a second value (ga), the second value (ga) generated based on the first value (a) and a generator value (g); generate, with the payment network, a plurality of random merchant numbers (mi) for a respective plurality of merchant banks; determine, with the payment network, a merchant product (M) based on a product of the plurality of random merchant numbers (mi); generate, with the payment network, a public key (pki) based on the second value (ga), the merchant product (M), and the random merchant number (mi) and a random key (rki) based on the merchant product (M) and the random merchant number (mi) for each respective merchant bank; and communicate, with the payment network, the public key (pki) and the random key (rki) to at least one respective merchant bank.

Various embodiments are related to apparatuses and methods for authorizing a purchase transaction using a mobile device. A consumer can pay for a purchase from a seller using a payment object such as a credit card or automated teller machine (ATM) card. The credit card or ATM card can be swiped through a card reader that is part of the seller's sales system, and the sales system can transmit the purchase transaction to a financial system for approval. The consumer can use a mobile device such as a smartphone, instead of the seller's keypad or signature pad, to electronically capture a signature or personal identification number (PIN) as part of the consumer's authorization of the purchase transaction. The consumer can further use the mobile device to review line items of the purchase transaction or to add a tip amount to the total amount of the purchase transaction.

Provided is a method of providing a payment service according to various example embodiments. The method of providing a payment service may include acquiring a payment request for an item from a user, identifying whether the acquired payment request satisfies designated conditions, and omitting an additional authentication operation in response to the payment request satisfying the designated conditions and providing payment completion information corresponding to the payment request. Other example embodiments are possible.

Systems and related methods facilitating interactions between a merchant device, a central system and a consumer device are discussed herein. Wallet identifying data may be used to secure messages between the consumer device and the merchant device over a wireless link. For example, the merchant device may include circuitry configured to wirelessly receive the wallet identifying data from a consumer device and to transmit the wallet identifying data to the central system. In response, consumer identifying data associated with the wallet identifying data may be received by the merchant device from the central system. In some embodiments, the consumer identifying data may be associated with a unit of location, such as a dine-in location at a restaurant, to facilitate consumer service.

Methods for smartglasses-to-smartglasses payment systems is provided. Methods include receiving a transfer of funds initiation at a first smartglasses. The transfer of funds initiation may include an identifier, an amount and a personal identification number (“PIN”). Methods include transmitting the transfer of funds initiation from the first smartglasses to a second smartglasses. Methods may include receiving a notification on the second smartglasses. The notification may include a first smartglasses telephone number and the transfer of funds initiation. Methods may include transmitting a transfer of funds request from the second smartglasses to an entity. The transfer of funds request may include the first smartglasses telephone number, the transfer of funds initiation and the second smartglasses telephone number. Methods may include retrieving a first account and a second account from the entity. Methods may include transferring funds from the first account to the second account.

The present disclosure comprises a system that processes mobile fund transfer or payments in lesser time utilizing Short Message Service (SMS) and without involving third party fund transfer applications to be actively downloaded by the user on his or her smartphone, tablet, etc. The payor and the payee process fund transfer in lesser time and securely through mobile phone's SMS service.

The present invention discloses a system integrating video communication and physical sign analysis, comprising at least one front-end device. The front-end device comprises a camera device, a display device, an audio device, a button device and a processor. The camera device, the display device, the audio device and the button device are all connected to the processor, and the processor can connect to the Internet network and the mobile device via wired or wireless means. The front-end device and the mobile device can perform video communication, and the front-end device can perform physical sign analysis according to the images collected by the camera device. Based on some applications in the prior art, the present invention combines video collection technology and human face analysis technology to perform physical sign analysis and obtain related indexes.

A system and method for wireless transactions provides a software development kit (SDK) that provides accessibility to inherent communication capabilities within a wireless communication device. The communication capabilities are normally not accessible to a software developer. However, the SDK provides an appropriate interface that permits a software developer to create application programs for a variety of transactions between the wireless communication device and a mobile network operator (MNO). In some transactions, the MNO may function as a financial service provider in which a user has an account with an associated monetary value. The SDK provides a simplified technique for executing a financial transaction, such as making a payment or transferring money by presenting easy-to-use menus that avoid the difficulty of memorizing transaction codes, user phone numbers, and the like.