A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, a signal representing a request to perform an operation from a user; determine that the user does not have a persistent account; and when it is determined that the user does not have a persistent account: obtain, via the communications module and from a digital identity network, a signal including verified identity data of the user; generate a temporary data record and associate the temporary data record with the verified identity data of the user; receive a value transfer based on the requested operation and store the received value in the temporary data record; and perform the operation using the stored value in the temporary data record.

A method of value redemption including identifying, via an application server communicatively coupled to a web server, navigation to a merchant cart webpage executed by the web server. Based at least in part on a determination that a prepaid card exists within a database communicatively coupled to the application server, the method may further include verifying information associated with the prepaid card, presenting an alert at a client device indicating the existence of the prepaid card, and applying a value of the prepaid card to a purchase made via the merchant cart webpage

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.

The method enables banking data to be programmed in an integrated circuit of a watch by an asymmetric encryption and decryption algorithm. The method includes the steps of: transmitting a public key of the integrated circuit and a digital certificate generated by a certification authority on the basis of a private key of the certification authority and of the integrated circuit public key, from the portable object to a bank, verifying the digital certificate in the bank by a public key of the authority, and if the digital certificate is validated, transmitting encrypted confidential data personalized to an owner of the portable object from the bank to the portable object, and decrypting the encrypted data received by the application-specific integrated circuit of the portable object by means of a private key of the integrated circuit, to store the decrypted confidential data personalized to the portable object owner.

A method to display an illustration to conduct an expedited electronic transaction is provided. Consumer identification information identifying a consumer is received. The consumer identification information is stored in association with a web browser of a consumer's device. A customized illustration is displayed based on the received consumer identification information on the consumer's device. A request is received for the expedited electronic transaction by swiping the customized illustration across a portion of the display of the consumer's device. Transaction data sufficient to complete the electronic transaction is sent to the merchant based on the swipe of the customized illustration across display of the consumer's device.

In some embodiments, a verification system includes a memory storing a common identifier that identifies a user. The system may also include one or more hardware processors coupled to the memory and configured to read instructions from the memory to perform the steps of: receiving a token associated with a request to complete a transaction with an environment; determining the common identifier associated with the token, the common identifier being associated with an identifier of the merchant, an identifier of the user requesting the transaction, and a funding instrument associated with the user; and determining, based on information associated with the common identifier, whether to approve the transaction.

Techniques described herein are directed to, among other things, enabling customers to order items from a merchant and initiate payment for the items via electronic messages sent from customer devices. For instance, when a first network of the merchant is inoperable, or when the merchant is operating at a location where a first network is unavailable, a customer and a merchant may communicate using electronic messages sent over a second network and may request to initiate payment for items via an electronic message sent over the second network.

Casino monetary systems and methods of processing casino monetary transactions are configured to read or scan an ID of a customer associated with a monetary value transaction, to transmit that ID information to a remote authentication vendor for authentication, to then use that authentication information as part of a transaction approval process and to create a transaction record, such as relative to an anti-money laundering (AML) system.

To provide an environment in which intermediation of payment can be implemented while maintaining the certainty, information security, and the credibility of cashless payment such as credit card payment. The disclosed technology provides a method for intermediating a billing payment process for a trading partner of a customer from the customer, wherein a phone number uniquely allocated to the customer is prepared, comprising: receiving information about billing associated with first identification information for identifying the billing from a device managed by the customer; specifying a payment process from information including the first identification information and the billing information; and transmitting, to the device managed by the customer, a message for causing the payment process to be executed based on a comparison result between the first identification information and second identification information delivered in communication addressed to the phone number from a mobile terminal managed by the trading partner.

Disclosed herein are system, method, and computer program product embodiments describing the creation and funding of tax-advantaged accounts at a point-of-sale. By immediately funding the tax-advantaged account at the point-of-sale using a funding and payment mechanism, the disclosed embodiments may effectively and instantly fund a tax-advantaged account at a point-of-sale . The funding and payment mechanism overcomes the lapse in availability of funds inherent in legacy systems. Thus, an account holder may then immediately pay a provider from the tax-advantaged account for qualified expenses. The disclosure also presents a credit feature allowing prospective account holders to initially fund the tax-advantaged account. At the point-of-sale, the prospective account holder may link their newly created tax-advantaged account to other accounts, allowing the system to detect potential over-contributions. The disclosure also presents a retroactive analysis feature that analyzes linked accounts to create tax-advantaged transactions in transactions completed earlier in a plan year.