Provided are a digital currency directional transaction method and system. A payer wallet receives a directional digital currency issued by an issuing device, and selects a digital currency combination from all stored digital currencies for payment when paying the directional digital currency. Only when the selected digital currency combination satisfies a condition, the payment will be made to the payee wallet. The payee wallet receives payment information and stores the payment information in response to the verification to complete the directional digital currency payment, so as to ensure a dedicated use of funds.

A commodity registration apparatus includes a check-in terminal, a sensor group, and a management terminal. A processor of the management terminal is configured to track movement of a shopper and store items using the sensor group. A first commodity list is updated to include a first item when the tracked movements indicate the known shopper has selected the first item for purchase. The movements of any unidentified shopper are tracked. The processor updates a second commodity list to include a second item when tracked movements indicate the unidentified shopper has selected the second item for purchase. The second commodity list is associated with a provisional identification code. Commodity registration data for settlement processing is generated using the first commodity list unless the unidentified shopper is later identified as the known shopper, in which case, commodity registration data is generated using the first and second commodity lists in combination.

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.

A method may comprise: receiving, from a merchant server, an application programming interface (API) call including an authorization request for payment and a mobile wallet identification; querying a database with the mobile wallet identification to determine a logical location of a mobile wallet associated with the mobile wallet identification; transmitting, based on the determination, a request for a payment source for the payment to the mobile wallet; receiving, from the mobile wallet, an identification of a payment source; and forwarding the identification of the payment source to the merchant server.

This disclosure is directed to item-identifying carts that may be utilized by users to automatically identify items that the users place in their carts. In addition, these carts may automatically determine the outcome of respective events that occur with respect to these identified items. For example, the carts may be configured to identify one or more items that are placed into or removed from the cart, and thereafter determine one or more actions taken with respect to the identified items and a quantity of the items involved. For example, after identifying a first item and a second item either placed into or removed from the cart, the cart may determine that the user added two instances of the first item and removed one instance of the second item. In response to making this determination, the cart may update a virtual cart of a user operating the physical cart.

A system comprises a communications module; a processor coupled to the communications module; and a memory coupled to the processor, the memory storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module, a transfer instruction for transfer of data from a first data record associated with a transferor to a second data record associated with a recipient, the transfer instruction including a transfer amount and a condition associated with the transfer; send, via the communications module, a notification of the transfer instruction to a computing device associated with the recipient and request permission to obtain contextual data therefrom; when permission is granted, obtain, via the communications module, contextual data from the computing device; determine, based on the contextual data, that the condition associated with the transfer has been satisfied; and in response to determining that the condition associated with the transfer has been satisfied, effect the transfer of data from the first data record to the second data record.

There are provided systems and methods for a machine learning-based network trained to perform risk assessment through device data. A service provider server receives device data of a user device associated with a merchant account registered with a merchant server for a merchant service, and receives, from the merchant server, a request containing a unique token identifier for initiating a risk assessment operation to generate a device assessment score for the user device, where the device assessment score indicates a level of risk between the user device and the merchant account. The service provider server selects a risk assessment engine to perform the risk assessment operation and generates the device assessment score and a narrative for the device assessment score, and sends, to the merchant server through an application programming interface, a message containing a unique device identifier for the user device, the device assessment score and the narrative.

A communications device suitable for requesting a service for requesting a service from a service provider is provided. The communications device comprises a processor and a memory. The memory comprises instructions which when executed, cause the processor to transmit a request for the service, wherein the request comprises an indication that the service provider is authorised to access a data container, the data container comprising an indication of at least a portion of an identity of a user of the communications device and an indication of at least a portion of a credit of the user, and to receive a response from the service provider, the response indicating whether or not the user of the communications device is authorised to obtain the service based on the indication of the identity of the user and the indication of the credit of the user. One or both of the at least the portion of the identity of the user and the at least the portion of the credit of the user are characterisable by the user when generating the request for the service.

The present disclosure involves systems, software, and computer implemented methods for generating new credit accounts for immediate availability for use in current online transaction. One example process includes identifying a request to perform a credit application process associated with a particular user via a client application. A first signal can be transmitted that includes a redirect instruction for the client application to a credit application site to perform a credit application process. A second signal can be transmitted that includes a merchant-specific identifier of the particular user and a request to perform the credit application process. A third signal can be received from the credit application site that includes an approval, a payment credential associated with a newly created credit account, and the merchant-specific identifier of the particular user. The payment credential can be associated with the user profile of the user corresponding to the merchant-specific identifier.

In some embodiments, one or more user interfaces for facilitating personal payment transactions may be provided. In some embodiments, one or more first interfaces may be generated for a payer to effectuate a personal payment transaction. A location of a user device associated with the payer may be obtained. Based on the obtained location of the user device, one or more suggested payees for presentation on the first interfaces may be provided. An indication of a selected payee (from the suggested payees) may be obtained from the payer via the first interfaces. Options to fund a personal payment to the selected payee may be provided for presentation on the first interfaces. One or more options for routing the personal payment associated with the personal payment transaction may be provided to the payer via the first interfaces.