A system and method for implementing a real time credit limit increase process are disclosed. A processor causes a card servicing computing device to receive transaction data originated at a point of sale terminal device when a card user initiates a card transaction. The processor accesses a file from a database in real time to check whether the card user is among the card users who are eligible for a credit limit increase based on the received transaction data; determines whether the transaction data is equal to or above a predetermined threshold data; and transmits an electronic notification to a card user computing device in real time based on a positive determination that the transaction data is equal to or above a predetermined threshold data along with a link to a digital channel where the client can opt in for increase in credit limit.

An automated, dynamic digital financial management tool is described herein. The financial management tool enables a user to access all forms of payments, debt and transactions to be deducted automatically depending on which form of payment is chosen. The financial management tool documents every item/service purchased. The documentation enables a company/manufacturer/store to provide marketing and recall information to the user. The financial management tool is able to include any and/or all financial aspects of a user's life. The financial management tool is able to be implemented using a universal card. The financial management tool is able to include a pay station to receive payments. The financial management tool is able to include automated services. An automated, dynamic health management system is also described herein. The financial management tool enables automatic stock purchases based on product purchases.

Disclosed are various embodiments for improvements in customer relationship management and point of sale payment processing at remote event spaces. The system, apparatuses, and methods disclosed herein facilitate the transaction processing of credit cards and other payment vehicles in often remote locations where network connections may be intermittent and suffer from frequent disconnects or interruptions of service. The embodiments disclosed operate to detect network events, dynamically adjust to the event space, and processes the transactions on demand. The apparatuses are equipped to facilitate the event environment and are adapted to execute instructions to facilitate the financial transactions.

A method, apparatus and computer program, the method comprising: selecting a transaction entity for a mobile entity wherein a digital attribute account is associated with the mobile entity; and assigning one or more items of digital attributes from the digital attribute account associated with the mobile entity to the selected transaction entity such that the assigned items can only be used for transactions between the mobile entity and the selected transaction entity.

Aspects of a storage device include performing offline transactions to access a service without Internet availability. A user may download, from a server onto a wireless device, an application in which a vendor of one or more services holds a vendor account. The user funds an account with the application. Thereupon, the user enters a region without Internet access, the region including one of the vendor services. Upon requesting access to the service using a local network connection, the user requests access and receives a response to tender payment. The payment is deducted locally and recorded, after which the service may be accessed. Upon reestablishing Internet access, officially executing the transaction via the server.

Offline electronic currency payment and collection methods are provided. The payment method includes: establishing, by a first device, a wireless connection with a peer device, acquiring wallet information, and transmitting the wallet information to a first peer device without deleting stored electronic currency; and receiving collection information, verifying that first peer offline account information is not included in an offline transaction blacklist, acquiring first transaction information, digitally signing the first transaction information, transmitting first transaction data including signature data to the first peer device, and storing a first transaction record.

Methods and systems for fault tolerant token based transactions are described. A user may perform a transaction with a mobile device. The mobile device may be in an offline mode or may be lacking a network connection to servers or cloud devices of a mobile payment system. The transaction may be processed through a transaction device, which may aid in the sending and receiving of transaction data while the mobile device is in the offline mode. The transaction device may communicate with the server or cloud device and the server or cloud device may process the transaction and communicate with the transaction device, which may forward data from the server or cloud device to the mobile device.

A payment apparatus (20) of the present invention includes a card-related information acquisition unit (21) which acquires card-related information including an available amount of a credit card by reading a code indicating the card-related information or by performing a short-range wireless communication with a mobile terminal in which the card-related information is stored, a product information acquisition unit (22) which acquires product identification information of one or a plurality of products to be paid for, a determination unit (23) which determines whether or not settlement by a credit card is possible based on the available amount and a payment amount calculated based on the product identification information, an output unit (26) which outputs a determination result of the determination unit (23), and a payment unit (24) which performs a payment process based on the determination result of the determination unit (23).

A method for querying information in a visual smart card, comprising: a micro control unit receiving, by means of an input device, a query request inputted by a user (S1); the micro control unit determining information queried by a user request according to a received query request (S2); if first information, the micro control unit reading a first information record which is stored thereby, and parsing the first information record to obtain the first information, the first information being displayed by means of a display device (S3); if second information, the micro control unit sending an application selection instruction to a smart card chip, receiving an application selection response returned by the smart card chip, then sending an information record reading instruction to the smart card chip, receiving a second information record returned by the smart card chip, and parsing the second information record to obtain the second information, the second information being displayed by means of the display device (S4). A visual smart card applicable to said method overcomes the shortcomings in the existing technology wherein the assistance of other devices is required, while carrying out querying by means of operating a smart card directly facilitates a holder of a smart card understanding information in the smart card, improving the ease of use of smart cards.

A device for performing a transaction at a merchant location during a power-crisis at the merchant location is configured to receive information from a customer for performing a current transaction. The device is configured to compare the information with backup data accessible by the device to authenticate the customer. The backup data includes minimal information regarding customer including (i) customer name and/or contact details, (ii) credit points associated with customer, and (iii) security information associated with customer. Thereafter, the device is configured to retrieve the credit points associated with customer from the backup data. The device is configured to deduct used credit points based on a purchase amount and update the backup data. When there is access to a power source, the device is configured to connect to a server to facilitate initiating a settlement process with a financial institution and/or notifying the customer to clear dues with a merchant.