A use management system comprises a moving body on which a user rides; a storage medium and an information processing apparatus, wherein the medium stores identification, a predetermined route and movement information, and the moving body includes a first reader/writer for acquiring information from the storage medium and records information onto the storage medium, starts recording the movement information regarding the moving body when the use of the moving body is started, records the movement information when the moving body deviates from the route, and writes the recorded movement information onto the storage medium when the use of the moving body is ended, and the information processing apparatus includes a second reader/writer for acquiring information from the storage medium and charges an additional fee to a user based on the movement information.

Provided herein is a method for monitoring message content processed over a payment processor for a cardholder using a rules engine computing device. The rules engine computing device is associated with the payment processor that maintains a transaction history database that includes records for a plurality of payment transactions, and each of the records including a payment account number (PAN), a merchant identifier, and a transaction amount. The method includes (i) receiving a message from a registration computing device indicating that the cardholder is enrolled in a transaction monitoring service; (ii) associating the at least one PAN with the transaction monitoring service; (iii) querying the transaction history database to retrieve records including the at least one PAN; (iv) identifying a subset of transactions from the retrieved records; and (v) transmitting a list of the identified subset of transactions to at least one of the cardholder and the registration computing device.

Methods and systems of completing tracking-based transactions are disclosed. A financial institution computing system includes a customer database retrievably storing information relating to a plurality of financial accounts, a tag database retrievably storing information relating to a plurality of tags, a network interface circuit, and a transaction circuit. The transaction circuit receives a transaction request with at least one tag relating to an order of goods from a seller computing system. A transaction schedule is generated based on the transaction request and customer information in the customer database, and is stored in the tag database. The transaction circuit receives tag data corresponding to physical movement of the order of goods and performs at least one transaction pursuant to the transaction schedule based on received tag data.

The disclosed embodiments relate to transaction management systems such as a third party logistics system for managing freight shipment transactions among multiple participants, e.g. initiated by a shipper and executed by a combination of a broker, carrier and/or driver. The disclosed embodiments further related to a third party logistics system having hierarchical downstream modification permissioning whereby, in at least one embodiment, the ability for a downstream participant to make modifications to a given transaction, including further authorizing modification by a downstream participant, is controlled by the direct upstream participant.

A method including: receiving a purchasing policy; receiving, from a transaction terminal, a transaction authorization request including transaction authorization data associated with an attempted purchase made using a transaction card; determining, based on the transaction authorization data, purchase data; receiving a user profile corresponding to a user, associated with the transaction card, and past purchasing behavior data of the user; responsive to determining, based a comparison of the purchasing policy, the purchase data and the user profile, that the attempted purchase is suspicious, generating an attestation request; transmitting, to a user device associated with the user, the attestation request; receiving, from the user device, attestation data; and responsive to determining that the attestation data indicates that the attempted purchase comports with the purchasing policy, transmitting, to the transaction terminal, a transaction authorization approval to allow the attempted purchase.

A system and method processes a transaction between a merchant and a consumer. Data indicate of the security of a digital processing device being used by the consumer to carry out the transaction with the merchant is received. A determination as to whether the digital processing device is secure is made using the received data. In response to determining the digital processing device is insecure, the transaction is aborted. In response to determining the digital processing device is in secure, the transaction is processed by at least one of authenticating the consumer, authorizing the transaction using a payment processing supply chain, and capturing funds for the transaction using a payment processing supply chain.

A method of facilitating the processing of payments in a location-based sales venue such as a restaurant, comprising a plurality of customer locations for service. Each customer location has an identity target device associated therewith and attached in proximity thereto, comprising a network-connected electronic device capable of display or broadcast of a one-time identifier associated with the corresponding customer location to proximate mobile customer devices. On reading of a target by a mobile customer device and a related transmission to the server, the server can associate mobile customer device with its related customer location in the venue-associated POS system, facilitate a payment transaction for the amount owing at the selected customer location through a transaction gateway, and provide a transaction completion indication to the POS system. Following the completion of the payment transaction, the display of the associated identity target device would be updated to remove the expended one-time identifier and a new one-time identifier would be generated and displayed in advance of a new payment transaction in respect of the location. Dynamically generated location one-time identifiers provide maximum flexibility in system configuration, as well as maximized security for users.

Systems, methods, and devices are disclosed which allow a mobile device user to complete financial transactions even when the mobile device is not connected to a wireless network. The systems, methods, and devices of the present disclosure may utilize a combination of an encrypted lockbox containing out of network payment codes on the mobile device and a matching set of out of network payment codes stored on a server of a payment authority.

A computer system receives, from a client device, a virtual bill request including user identification information of a user associated with the client device and then activates a virtual bill and associates the virtual bill with the client device, the virtual bill having a predefined effective time period. After receiving data corresponding to one or more items added to the virtual bill within the predefined effective time period through respective close proximity data communication between the client device and one or more respective terminals, the computer system determines a value based on the data corresponding to the one or more items and sends a verification request to the client device. Upon receipt of verification information responsive to the verification request, the computer system initiates a transfer of the value from an account associated with the user in accordance with a determination that the verification information is valid.

The disclosed embodiments include a mobile client device for automatically performing a mobile financial service function, including a memory storing software instructions, the software instructions including a mobile financial service application configured to perform financial service processes. The system may also include and one or more processors configured to execute the software instructions to detect a physical action performed on the mobile client device, and determine a first financial service function to perform based on the detected physical action, wherein the first financial service function is a function provided by the mobile financial service application. The one or more processors may also determine whether verification of a user is required, verify the user if verification of the user is required, and automatically initiate the first financial service function.